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0.0800 0.0400 0.0850 0.0100 2026-04-10 N-6 N-6 New York Life Ins & Annuity Corp Var Univ Life Sep Acc I <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:18.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:135.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:-68.5pt;"> </span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:386.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;text-transform:uppercase;">Fees and Expenses</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:155pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;vertical-align:Top;width:135.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges for Early </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawals</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;vertical-align:Top;width:386.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">If you fully surrender your policy for the Cash Surrender Value, partially surrender or </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">withdraw money from your policy within a maximum of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">10</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> years following your </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">purchase of the policy, you may be assessed a maximum surrender charge equal to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the lesser of (a) or (b) where (a) equals </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">50</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">% of the total premiums paid under the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Policy and (b) equals a percentage of the Surrender Charge Premium. Surrender </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">charges are not applicable on full surrenders of the policy for its ACSV.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">For example, if you were to withdraw $100,000 during the first 10 years after your </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy purchase, the ACSV was not available, and your total premiums paid were </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$100,000, then you could be assessed a charge of up to $</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">50,000</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> on the amount </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">withdrawn.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">For more detailed information, see the Prospectus, Table of Fees and Expenses; </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Charges Associated with the Policy – Transaction Charges.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:167pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;vertical-align:Top;width:135.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transaction Charges</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;vertical-align:Top;width:386.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">In addition to </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">surrender charges </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">for early withdrawals, you may be charged for other </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">transactions. These include </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">surrender charges</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> for Face Amount decreases, </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Premium Expense Charges</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> (deducted from each premium payment), and charges if </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">you exercise the Living Benefits Rider or the Overloan Protection Rider. A conditional </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">premium payment may be required if you exercise the Insurance Exchange Rider. A </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">withdrawal fee may apply if you make a withdrawal from the Premium Deposit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Account.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">We reserve the right to impose </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">partial surrender fees</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">transfer charges</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> (when you </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">transfer Cash Value between Investment Options), and a </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">returned payment (bad </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">check) fee</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, but we currently do not impose these charges.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">For more detailed information, see the Prospectus, Table of Fees and Expenses; </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Charges Associated with the Policy – Deductions From Premium Payments; Charges </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Associated with the Policy – Transaction Charges.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:161.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;vertical-align:Top;width:135.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Ongoing Fees and </span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expenses</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(annual charges)</span></div></div></td> <td colspan="3" style="padding-bottom:2.5pt;vertical-align:Top;width:386.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">In addition to surrender charges and transaction charges, an investment in the policy </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">is subject to certain ongoing fees and expenses. Some of these charges, such as the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Cost of Insurance Charge</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">, the </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Administrative Charge</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">, and certain rider charges </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(for optional benefits), are set based on individual characteristics of the insured (e.g., </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">age, gender, and rating classification). Other ongoing charges include the </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charge</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">, the </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Mortality and Expense Risk Charge</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">, loan interest, and certain rider </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">charges. Please refer to your Policy Specifications Page for rates and the specific </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">fees applicable to your policy.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investors will also bear expenses associated with the Eligible Portfolios (portfolio </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">companies), as shown in the following table, which shows the minimum and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">maximum total operating expenses deducted from Fund assets (before any fee </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">waiver or expense reimbursement) during the year ended December 31, 2025 and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">which may change from year to year. </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;vertical-align:Top;width:135.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;vertical-align:Top;width:386.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Portfolios’ Annual Operating Expenses (expenses that are deducted from </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Portfolio assets)</span></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:135.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;margin-top:12pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Annual Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:134pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;margin-top:12pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:135.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;margin-top:12pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Maximum</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:135.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Options </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(Eligible Portfolio fees </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">and expenses)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:134pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">0.12</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:135.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">1.31</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:135.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td colspan="3" style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:386.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">For more detailed information, see the Prospectus, Table of Fees and Expenses; </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Charges Associated with the Policy; and Appendix: Eligible Portfolios Available Under </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Policy for our list of available Eligible Portfolios, the current expenses for these </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolios, and the Average Annual Total Returns.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:155pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;vertical-align:Top;width:135.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges for Early </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawals</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;vertical-align:Top;width:386.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">If you fully surrender your policy for the Cash Surrender Value, partially surrender or </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">withdraw money from your policy within a maximum of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">10</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> years following your </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">purchase of the policy, you may be assessed a maximum surrender charge equal to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the lesser of (a) or (b) where (a) equals </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">50</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">% of the total premiums paid under the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Policy and (b) equals a percentage of the Surrender Charge Premium. Surrender </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">charges are not applicable on full surrenders of the policy for its ACSV.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">For example, if you were to withdraw $100,000 during the first 10 years after your </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy purchase, the ACSV was not available, and your total premiums paid were </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$100,000, then you could be assessed a charge of up to $</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">50,000</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> on the amount </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">withdrawn.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">For more detailed information, see the Prospectus, Table of Fees and Expenses; </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Charges Associated with the Policy – Transaction Charges.</span></div></div></td></tr></table> 10 0.50 50000 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:167pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;vertical-align:Top;width:135.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transaction Charges</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;vertical-align:Top;width:386.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">In addition to </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">surrender charges </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">for early withdrawals, you may be charged for other </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">transactions. These include </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">surrender charges</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> for Face Amount decreases, </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Premium Expense Charges</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> (deducted from each premium payment), and charges if </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">you exercise the Living Benefits Rider or the Overloan Protection Rider. A conditional </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">premium payment may be required if you exercise the Insurance Exchange Rider. A </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">withdrawal fee may apply if you make a withdrawal from the Premium Deposit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Account.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">We reserve the right to impose </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">partial surrender fees</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">transfer charges</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> (when you </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">transfer Cash Value between Investment Options), and a </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">returned payment (bad </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">check) fee</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, but we currently do not impose these charges.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">For more detailed information, see the Prospectus, Table of Fees and Expenses; </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Charges Associated with the Policy – Deductions From Premium Payments; Charges </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Associated with the Policy – Transaction Charges.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:161.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;vertical-align:Top;width:135.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Ongoing Fees and </span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expenses</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(annual charges)</span></div></div></td> <td colspan="3" style="padding-bottom:2.5pt;vertical-align:Top;width:386.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">In addition to surrender charges and transaction charges, an investment in the policy </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">is subject to certain ongoing fees and expenses. Some of these charges, such as the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Cost of Insurance Charge</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">, the </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Administrative Charge</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">, and certain rider charges </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(for optional benefits), are set based on individual characteristics of the insured (e.g., </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">age, gender, and rating classification). Other ongoing charges include the </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charge</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">, the </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Mortality and Expense Risk Charge</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">, loan interest, and certain rider </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">charges. Please refer to your Policy Specifications Page for rates and the specific </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">fees applicable to your policy.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investors will also bear expenses associated with the Eligible Portfolios (portfolio </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">companies), as shown in the following table, which shows the minimum and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">maximum total operating expenses deducted from Fund assets (before any fee </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">waiver or expense reimbursement) during the year ended December 31, 2025 and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">which may change from year to year. </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;vertical-align:Top;width:135.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;vertical-align:Top;width:386.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Portfolios’ Annual Operating Expenses (expenses that are deducted from </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Portfolio assets)</span></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:135.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;margin-top:12pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Annual Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:134pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;margin-top:12pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:135.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;margin-top:12pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Maximum</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:135.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Options </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(Eligible Portfolio fees </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">and expenses)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:134pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">0.12</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:135.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">1.31</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:135.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td colspan="3" style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:386.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">For more detailed information, see the Prospectus, Table of Fees and Expenses; </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Charges Associated with the Policy; and Appendix: Eligible Portfolios Available Under </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Policy for our list of available Eligible Portfolios, the current expenses for these </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolios, and the Average Annual Total Returns.</span></div></div></td></tr></table> 0.0012 0.0131 <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:auto;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Middle;width:135.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:-68.5pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Middle;width:386.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;text-transform:uppercase;">Risks</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:57.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:135.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Risk of Loss</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:386.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">You can lose money by investing in this policy, including loss of your premiums </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(principal).</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">For more detailed information, see the Prospectus, Summary of Principal Risks of </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investing in the Policy; Management and Organization – About the Separate Account.</span></div></div></td></tr> <tr style="height:131pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:135.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Not a Short-Term </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:386.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">This policy is not designed for short-term investing and is not appropriate for an </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">investor who needs ready access to cash.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The policy is designed to provide a Life Insurance Benefit or to help meet other </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">long-term financial objectives. Substantial fees, expenses, and tax implications in the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">early years of the policy make variable life insurance unsuitable as a short-term </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">savings vehicle. Additionally, the policy may limit your ability to withdraw a portion of </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Cash Value through partial surrenders or loans.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">For more detailed information, see the Prospectus, Summary of Principal Risks of </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investing in the Policy; Loans; and Surrenders–Partial Surrenders–Amount Available </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">for a Partial Surrender.</span></div></div></td></tr> <tr style="height:161.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:135.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Risks Associated with </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment Options</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:386.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">An investment in this policy is subject to the risk of poor investment performance of </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the Eligible Portfolios (portfolio companies) you choose, and the value of an </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">investment can vary depending on the performance of the Eligible Portfolios.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Each investment option (the Eligible Portfolios and the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fixed Investment Options) </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">has its own unique risks. The performance of the Eligible Portfolios will vary, and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">some are riskier than others.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">A discussion of the risks of allocating your premiums or Cash Value to one or more </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Eligible Portfolios can be found in the prospectuses for the Eligible Portfolios, which </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">are available at </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">https://dfinview.com/NewYorkLife/TAHD/marketwealthplus. You </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">should review the prospectuses for the Eligible Portfolios before making an </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">investment decision.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">For more detailed information, see the Prospectus, Summary of Principal Risks of </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investing in the Policy; Management and Organization – About the Separate Account.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:168.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:135.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Insurance Company Risks</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:386.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">An investment in the policy is subject to the risks related to New York Life Insurance </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">and Annuity Corporation (NYLIAC), including:</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> ○</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:1.94pt;">Any obligations (including the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fixed Account and the DCA Accounts), </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:20.0pt;">guarantees, and benefits of the policy are subject to the claims-paying ability and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:20.0pt;">financial strength of NYLIAC.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> ○</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:1.94pt;">There are risks relating to NYLIAC’s administration of the policy, including </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:20.0pt;">cybersecurity and infectious disease outbreak risks.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> ○</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:1.94pt;">If NYLIAC experiences financial distress, it may not be able to meet its </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:20.0pt;">obligations to you. More information about NYLIAC, including its financial </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:20.0pt;">strength ratings, is available upon request from NYLIAC at </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">1-800-598-2019.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">For more detailed information, see the Prospectus, Management and Organization; </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Financial Statements; Summary of Principal Risks of Investing in the Policy– </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insurance Company Risks; Risks Affecting Our Administration of the Policy.</span></div></div></td></tr> <tr style="height:275.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:135.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract Lapse</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:386.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Your policy can lapse even if you pay all of the planned premiums on time. When a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy lapses, it has no value, and no benefits are paid upon the death of the insured. </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">You may also lose the principal invested. A policy can lapse if the Cash Surrender </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Value is insufficient to pay the </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Monthly Deduction Charges</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> and other charges. This </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">can happen due to insufficient premium payments, poor investment performance, </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">partial surrenders, unpaid loans or loan interest, and policy charges (including </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">increases in those charges). The larger a policy loan becomes relative to the policy’s </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cash Surrender Value, the greater the risk that the policy’s Cash Surrender Value will </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">not be sufficient to support the policy’s charges and expenses, including any loan </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">interest due, and the greater the risk of the policy lapsing. A policy lapse may have </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">tax consequences.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">A policy that has a Cash Surrender Value just sufficient to cover </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Monthly Deduction </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> and other charges, or that is otherwise minimally funded, is less likely to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">maintain its Cash Surrender Value due to market fluctuation and other performance </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">related risks. To continue to keep your policy in force when the Guarantee Period </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">ends, premium payments significantly higher than the premium necessary to maintain </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the No Lapse Guarantee benefit may be required.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">If the policy lapses, there are costs and premium requirements associated with </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">reinstatement of the policy.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">For more detailed information, see the Prospectus, Summary of Principal Risks of </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investing in the Policy; Termination and Reinstatement; Premiums - Risk of Minimally </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Funded Policies.</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">You can lose money by investing in this policy, including loss of your premiums </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(principal).</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">For more detailed information, see the Prospectus, Summary of Principal Risks of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investing in the Policy; Management and Organization – About the Separate Account.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">This policy is not designed for short-term investing and is not appropriate for an </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">investor who needs ready access to cash.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The policy is designed to provide a Life Insurance Benefit or to help meet other </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">long-term financial objectives. Substantial fees, expenses, and tax implications in the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">early years of the policy make variable life insurance unsuitable as a short-term </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">savings vehicle. Additionally, the policy may limit your ability to withdraw a portion of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Cash Value through partial surrenders or loans.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">For more detailed information, see the Prospectus, Summary of Principal Risks of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investing in the Policy; Loans; and Surrenders–Partial Surrenders–Amount Available </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">for a Partial Surrender.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">An investment in this policy is subject to the risk of poor investment performance of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the Eligible Portfolios (portfolio companies) you choose, and the value of an </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">investment can vary depending on the performance of the Eligible Portfolios.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Each investment option (the Eligible Portfolios and the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fixed Investment Options) </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">has its own unique risks. The performance of the Eligible Portfolios will vary, and </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">some are riskier than others.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">A discussion of the risks of allocating your premiums or Cash Value to one or more </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Eligible Portfolios can be found in the prospectuses for the Eligible Portfolios, which </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">are available at </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">https://dfinview.com/NewYorkLife/TAHD/marketwealthplus. You </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">should review the prospectuses for the Eligible Portfolios before making an </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">investment decision.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">For more detailed information, see the Prospectus, Summary of Principal Risks of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investing in the Policy; Management and Organization – About the Separate Account.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">An investment in the policy is subject to the risks related to New York Life Insurance </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">and Annuity Corporation (NYLIAC), including:</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> ○</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:1.94pt;">Any obligations (including the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fixed Account and the DCA Accounts), </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:20.0pt;">guarantees, and benefits of the policy are subject to the claims-paying ability and </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:20.0pt;">financial strength of NYLIAC.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> ○</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:1.94pt;">There are risks relating to NYLIAC’s administration of the policy, including </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:20.0pt;">cybersecurity and infectious disease outbreak risks.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> ○</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:1.94pt;">If NYLIAC experiences financial distress, it may not be able to meet its </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:20.0pt;">obligations to you. More information about NYLIAC, including its financial </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:20.0pt;">strength ratings, is available upon request from NYLIAC at </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">1-800-598-2019.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">For more detailed information, see the Prospectus, Management and Organization; </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Financial Statements; Summary of Principal Risks of Investing in the Policy– </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insurance Company Risks; Risks Affecting Our Administration of the Policy.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Your policy can lapse even if you pay all of the planned premiums on time. When a </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy lapses, it has no value, and no benefits are paid upon the death of the insured. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">You may also lose the principal invested. A policy can lapse if the Cash Surrender </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Value is insufficient to pay the </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Monthly Deduction Charges</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> and other charges. This </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">can happen due to insufficient premium payments, poor investment performance, </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">partial surrenders, unpaid loans or loan interest, and policy charges (including </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">increases in those charges). The larger a policy loan becomes relative to the policy’s </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cash Surrender Value, the greater the risk that the policy’s Cash Surrender Value will </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">not be sufficient to support the policy’s charges and expenses, including any loan </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">interest due, and the greater the risk of the policy lapsing. A policy lapse may have </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">tax consequences.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">A policy that has a Cash Surrender Value just sufficient to cover </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Monthly Deduction </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> and other charges, or that is otherwise minimally funded, is less likely to </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">maintain its Cash Surrender Value due to market fluctuation and other performance </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">related risks. To continue to keep your policy in force when the Guarantee Period </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">ends, premium payments significantly higher than the premium necessary to maintain </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the No Lapse Guarantee benefit may be required.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">If the policy lapses, there are costs and premium requirements associated with </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">reinstatement of the policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">For more detailed information, see the Prospectus, Summary of Principal Risks of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investing in the Policy; Termination and Reinstatement; Premiums - Risk of Minimally </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Funded Policies.</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">You can select a maximum of 21 Investment Options among the available </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Investment Divisions</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> (that invest in the Eligible Portfolios), the Fixed Account and/or </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">the DCA Accounts.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">The minimum amount that you can transfer is $500. The maximum amount that you </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">can transfer out of the Fixed Account in any </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Policy Year is the greater of (a) 20% of </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">the amount in the Fixed Account at the beginning of the Policy Year, or (b) $5,000.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">NYLIAC reserves the right to remove, substitute or close to investors any Eligible </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Portfolios (portfolio companies) as Investment Options that are available under the </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">policy.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">We set limits on the number of electronic or telephonic transfer requests that can </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">be made in any period. If these limits are exceeded, any subsequent transfer </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">requests must be made by U.S. mail or overnight courier.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">In addition, we may limit your ability to make transfers involving the Investment </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Divisions if a transfer may disadvantage or potentially harm or hurt the rights of </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">other policyowners in order to prevent market timing. We will also reject, reverse, or </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">modify a transfer request if for any reason any of the Eligible Portfolios do not </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">accept the purchase of its shares.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">For more detailed information, see the Prospectus, Descriptions of the Policy - </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Divisions, the Fixed Account and the DCA Accounts; Descriptions of the </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Policy - Transfers Among the Investment Divisions, the Fixed Account and the DCA </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accounts; Description of the Policy – Limits on Transfers; and Appendix: Eligible </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolios Available Under the Policy for our list of available Eligible Portfolios.</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">We may modify or discontinue offering an optional benefit at any time.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">There are limitations on the benefit amounts associated with some optional </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">benefits.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Activation of certain optional benefits may affect the Face Amount, life insurance </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">proceeds or other rights under the policy.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Some optional benefits have Policy Year limitations and/or age requirements.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Some optional benefits may have tax implications.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Some optional benefits may not be used together.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">We may change these restrictions in the future.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">For more detailed information, see the Prospectus, Descriptions of the </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Policy—Additional Benefits Through Riders and Options.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Consult with a tax professional to determine the tax implications of an investment in </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">and payments received under this policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Earnings on your policy (if any) are taxed when you withdraw them (or if a policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">loan is not repaid), at ordinary income tax rates, and may be subject to a tax </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">penalty before age 59 ½.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">For more detailed information, see the Prospectus, Summary of Principal Risks of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investing in the Policy–Tax Risks; Federal Income Tax Considerations.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Your investment professional may receive compensation for selling this policy to you, </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">in the form of commissions, asset-based compensation, allowances for expenses, </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">and other compensation programs, and because NYLIAC may share the revenue it </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">earns on this policy with the professional’s firm. (Your investment professional may be </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">your registered representative, broker, investment adviser, insurance agent, or </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">someone else).</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">These investment professionals may have a financial incentive to recommend this </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy over another policy or investment.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">For more detailed information, see the Prospectus, Distribution and Compensation </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Arrangements.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Some investment professionals may have a financial incentive to offer you a new </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy in place of the one you own. You should only exchange your policy if you </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">determine, after comparing the features, fees, and risks of both policies, that it is </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">preferable for you to purchase the new policy rather than continue to own your </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">existing policy. The ACSV is not available for IRC Section 1035 exchanges to another </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">life insurance policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">For more detailed information, see the Prospectus, Description of the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Policy–Tax-Free “Section 1035” Insurance Policy Exchanges.</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;text-transform:uppercase;">Table of Fees and Expenses</span> <hr style="background-color:#000000;height:2pt;margin-bottom:2pt;margin-left:0%;margin-top:1.0pt;text-align:left;top:12pt;width:522pt;"/><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:12pt;">The following tables describe the fees and expenses that you will pay when buying, owning and </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">surrendering the Policy or making partial surrenders. Please refer to your Policy Specifications Page for information about the guaranteed maximum fees you will pay each year based on the options you have elected. Please refer to “State Variations and Rider Availability” in the Prospectus for any fees that may differ from the general description provided below.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:12pt;">The first table describes the fees and expenses that you will pay when you make a premium payment, </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">surrender the policy, make a partial surrender, transfer Cash Value between Investment Options, or exercise certain rider options.</span><span style="color:#000000;font-family:Arial;font-size:1pt;margin-left:0%;"> </span> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:19.5pt;"> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:522.00pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;text-transform:uppercase;">Transaction Fees</span></div></div></td></tr> <tr style="height:19pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:174.17pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:173.67pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">When charge Is Deducted</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:174.16pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Amount Deducted</span></div></div></td></tr> <tr style="height:46pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Premium Expense Charge</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">When premium payment is applied</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Guaranteed Maximum:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><span style="-sec-ix-hidden:f4ed924d-ebb8-47ea-844a-b7c80de8fa7f">8.0</span></span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">% of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">premiums paid</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Current:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><span style="-sec-ix-hidden:ba328ea0-1ffb-4346-8487-5e3cde7b8ebc">4.0</span></span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">% of premiums paid</span></div></div></td></tr> <tr style="height:19pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Deferred Sales Charge</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:109pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Surrender</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">On Surrender or lapse during the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">applicable Surrender Charge Period;</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">On Face Amount decreases within </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the applicable Surrender Charge </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Period;</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">After a Surrender, Lapse or Face </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Amount decrease during the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">applicable Surrender Charge Period</span></div></div></td> <td style="padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Minimum and Maximum </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Guaranteed Charge</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">: </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">11.57</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">—$</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">42.18</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> per $1000 of Face </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Amount</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Minimum and Maximum Current </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Charge</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">: $11.57—$</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">42.18</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> per $1000 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">of Face Amount</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:55pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Maximum Guaranteed Charge for a </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Representative Investor (Male, Age </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">40, Premier rating) for $250,000 of </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Face Amount</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;margin-top:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$22.17 per $1000 of Face Amount</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Current Charge for a Representative </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Investor (Male, Age 40, Premier </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rating) for $250,000 of Face Amount</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$22.17 per $1000 of Face Amount</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:31pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Partial Surrender Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">At time of partial surrender</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Guaranteed Maximum:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">25</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Current:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">0</span></div></div></td></tr> <tr style="height:55pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Transfer Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">At time of transfer</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Guaranteed Maximum:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">30</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> per </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">transfer in excess of 12 transfers </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">within a Policy Year</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Current:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">0</span></div></div></td></tr> <tr style="height:31pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Returned Payment (Bad Check) Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">At time payment is returned</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Guaranteed Maximum:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">20</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Current:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">0</span></div></div></td></tr> <tr style="height:19pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Living Benefits Rider Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">When you exercise the benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">150</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> (one time)</span></div></div></td></tr> <tr style="height:54.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Overloan Protection Rider Fee</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(4)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">When you exercise the benefit</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Guaranteed Maximum of the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Policy’s </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Cash Value: </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_59d6d468-c36f-41ed-8957-a6a7ce668d17">8.5%</span></span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Minimum Guaranteed of the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Policy’s Cash Value</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">: </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><span style="-sec-ix-hidden:bd616081-894f-47cd-aa89-475eb86764e0">1.0%</span></span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:19.5pt;"> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:522.00pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;text-transform:uppercase;">Transaction Fees</span></div></div></td></tr> <tr style="height:19pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:174.17pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:173.67pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">When charge Is Deducted</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:174.16pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Amount Deducted</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:43pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Maximum Guaranteed Charge for a </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Representative Investor with Attained </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Age 87</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">5.5% of Cash Value</span></div></div></td></tr> <tr style="height:31pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Current Charge for a Representative </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Investor with Attained Age 87</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">5.5% of Cash Value</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:31pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Premium Deposit Account </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Withdrawal Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">At time of withdrawal from the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Premium Deposit Account</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Guaranteed Maximum:</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">10</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">% of the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">withdrawal</span></div></div></td></tr> <tr style="height:99.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insurance Exchange Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">When you exercise the benefit</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">A one-time payment equal to </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">103</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">% </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">of the excess amount of the Cash </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Surrender Value of the new policy </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">over the Cash Surrender Value of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">the existing policy at the time of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">exercise. If there is not excess </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">amount, the one-time fee will not </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">be charged.</span><span style="font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">5</span> <div style="clear:right;"> </div></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:9pt;">1</span><span style="color:#000000;font-family:Arial;font-size:9pt;">The current Premium Expense Charge includes a state premium tax component of 2.00%; a sales expense component of 0.75%; and, as a non-qualified policy, a federal tax component of 1.25% is also included.</span><span style="color:#000000;font-family:Arial;font-size:9pt;">2</span><span style="color:#000000;font-family:Arial;font-size:9pt;">Exceptions to Surrender Charge. We will not deduct a surrender charge if: </span><span style="color:#000000;font-family:Arial;font-size:9pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9pt;">If you fully surrender the Policy for the ACSV while the ACSV is available. </span><span style="color:#000000;font-family:Arial;font-size:9pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9pt;">We cancel the policy (other than policy lapse) pursuant to the Policy’s contestability provisions (See Additional Policy Provisions—Limits on Our Rights to Challenge Your Policy); </span><span style="color:#000000;font-family:Arial;font-size:9pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9pt;">We pay proceeds upon the death of the insured; </span><span style="color:#000000;font-family:Arial;font-size:9pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9pt;">We pay a required Internal Revenue Service minimum distribution; or </span><span style="color:#000000;font-family:Arial;font-size:9pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9pt;">The policy is out of the Surrender Charge Period. </span><span style="color:#000000;font-family:Arial;font-size:9pt;">3</span><span style="color:#000000;font-family:Arial;font-size:9pt;">The Guaranteed Maximum charge illustrated above is for a Male, Age 60, Quality Rating and a $10,000 planned premium. Your surrender charge will be the lesser of 50% of total premiums paid under the policy or a percentage of the Surrender Charge Premium applicable to the Policy Year. The percentage of the Surrender Charge Premium applicable by Policy Year is: 94% for Policy Year 1; 89% for Policy Year 2; 84% for Policy Year 3; 79% for Policy Year 4; 74% for Policy Year 5; 62% for Policy Year 6; 49% for Policy Year 7; 36% for Policy Year 8; 23% for Policy Year 9, 10% for Policy Year 10 and 0% for Policy Year 11 and beyond. See “Charges Associated with the Policy — Transaction Charges — Surrender Charges” in the full prospectus for more information on the calculation of Surrender Charges. The Surrender Charge Premium varies based on individual characteristics, such as gender, Issue Age, and Policy Year. The charge shown may not be representative of what you will pay. To obtain more information about particular changes as they apply to your policy, please contact your registered representative. For a Face Amount decrease, the Surrender Charge is equal to the difference between (1) and (2), where (1) is the Surrender Charge calculated on the original Face Amount, and (2) is the Surrender Charge calculated on the new decreased Face Amount.</span><span style="color:#000000;font-family:Arial;font-size:9pt;">4</span><span style="color:#000000;font-family:Arial;font-size:9pt;">This cost varies based on characteristics of the insured and the charge shown may not be representative of the charge you will pay. To obtain more information about particular cost of insurance and other charges as they apply to your policy, please contact your registered representative. </span><span style="font-family:Arial;font-size:9pt;">5</span><span style="font-family:Arial;font-size:9pt;">If the Cash Surrender Value of the new policy after the exchange is zero or lower, then a payment in an amount sufficient to keep the new policy in effect for two months following the date of exchange will be required. This payment will be treated as a premium payment and will be applied to your policy</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:12pt;">The next table describes the fees and expenses that you will pay periodically during the time that you own </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">the policy, excluding the Eligible Portfolios’ fees and expenses.</span><span style="color:#000000;font-family:Arial;font-size:1pt;margin-left:0%;"> </span> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:19.5pt;"> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:522.00pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;text-transform:uppercase;">Periodic Charges Other Than Portfolios’ Annual Operating Expenses</span></div></div></td></tr> <tr style="height:19pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:174.17pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:173.67pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">When Charge Is Deducted</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:174.16pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Amount Deducted</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Monthly to Age 121</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Guaranteed Maximum:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">15</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> per </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">month</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Current:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">10</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> per month</span></div></div></td></tr> <tr style="height:97pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cost of Insurance Charge</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Monthly to Age 121</span></div></div></td> <td style="padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charge per month per $1000 of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Net Amount at Risk</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Minimum and Maximum </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Guaranteed Charge</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">: </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">0.0067</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">—$</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">83.33</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Minimum and Maximum Current </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Charge</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">: $0.0067—$66.477</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:55pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Maximum Guaranteed Charge for a </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Representative Investor (Male, Age </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">40, Premier Rating) for $250,000 </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Face Amount</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;margin-top:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$0.17186 per month for the first </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Policy Year</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Current Charge for a Representative </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Investor (Male, Age 40, Premier </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rating) for $250,000 Face Amount</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$0.03117 per month for the first </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Policy Year.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:82pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Mortality &amp; Expense</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Risk Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Each Monthly Deduction Day</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Guaranteed Maximum:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">0.75</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">% </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">charged as an annual percentage </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">of the Separate Account Value</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Current:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">0.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">% charged as an </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">annual percentage of the Separate </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Account Value</span></div></div></td></tr> <tr style="height:61pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Administrative</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Each Monthly Deduction Day</span></div></div></td> <td style="padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charge per $1000 of Face Amount</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Guaranteed Maximum:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">0.75</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> per </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">month</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Minimum:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">0.04</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> per month. </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:61pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge for a Representative Investor </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">(Male, Age 40, Premier Rating) for </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">$250,000 of initial Face Amount</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;margin-top:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$0.22275 per month.</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">(Initial Charge is based on the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Issue Age, gender, class of risk </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">and initial Face Amount at issue)</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:57.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Loan Interest</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accrues daily and compounds </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">annually (while loan balance is </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">outstanding)</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div></div></td> <td style="padding-bottom:3pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual charge rate as percentage </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">of the loan</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Guaranteed Maximum:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">6.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">%</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Current:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">3.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">%</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span> <div style="clear:right;"> </div></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:9pt;">1</span><span style="color:#000000;font-family:Arial;font-size:9pt;">This cost varies based on characteristics of the insured and the charge shown may not be representative of the charge you will pay. To obtain more information about particular cost of insurance and other charges as they apply to your policy, please contact your registered representative.</span><span style="color:#000000;font-family:Arial;font-size:9pt;">2</span><span style="color:#000000;font-family:Arial;font-size:9pt;">Loan interest accrues daily but is not deducted from the policy’s Cash Value. Any loan interest not paid when due will become part of the policy loan and will also accrue interest. See “When Loan Interest is Due” for additional information. The interest charged on loaned amounts is partially offset by the interest we credit to the Loan Account, which will always be at a rate at least equal to the Guaranteed Minimum Interest Rate. See “Interest Credited on the Cash Value Held as Collateral for a Policy Loan” for additional information. </span><span style="color:#000000;font-family:Arial;font-size:9pt;">3</span><span style="color:#000000;font-family:Arial;font-size:9pt;">The current loan interest rate is reduced to 2.00% annually in Policy Years 11 and beyond.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Eligible Portfolios’ Annual Operating Expenses</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:12pt;">The next table shows the minimum and maximum total operating expenses deducted from Portfolio assets </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">during the year ended December 31, 2025. Portfolio expenses may change from year to year, and hence may be higher or lower in the future. You may pay these expenses periodically during the time that your Cash Value is invested in the Investment Divisions of the Separate Account. A complete list of the underlying Eligible Portfolios, including information concerning each underlying Portfolio’s annual fees and expenses, is contained in an Appendix at the back of this prospectus.</span><span style="font-family:Arial;font-size:1pt;margin-left:0%;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:30.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;margin-top:12pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Annual Portfolio Expenses</span><span style="font-family:Arial;font-size:6.5pt;font-style:italic;font-weight:bold;position:relative;top:-4.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Maximum</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Total Annual Portfolio Operating Expenses</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> (expenses that are </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">deducted from portfolio assets, including management fees, distribution </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(12b-1) fees, and other expenses)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.12%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.31%</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:340.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Net Annual Portfolio Operating Expenses</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> (expenses that are deducted </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">from portfolio assets, including management fees, distribution (12b-1) fees, </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">and other expenses, after any expense reimbursement or fee waiver </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">arrangements)</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.12%</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.16%</span></div></div></td></tr></table><span style="font-family:Arial;font-size:9pt;">1</span><span style="font-family:Arial;font-size:9pt;">Expressed as a percentage of average net assets for the fiscal year ended December 31, 2025. Portfolio expenses may be higher or lower in the future. This information is provided by the Portfolios and their agents. The information is based on 2025 expenses.</span><span style="font-family:Arial;font-size:9pt;">2</span><span style="font-family:Arial;font-size:9pt;">The range of Net Annual Portfolio Operating Expenses takes into account contractual arrangements for the Portfolios that require a Portfolio’s investment adviser to reimburse or waive portfolio expenses through at least April 30, 2027.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:12pt;">The first table describes the fees and expenses that you will pay when you make a premium payment, </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">surrender the policy, make a partial surrender, transfer Cash Value between Investment Options, or exercise certain rider options.</span><span style="color:#000000;font-family:Arial;font-size:1pt;margin-left:0%;"> </span> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:19.5pt;"> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:522.00pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;text-transform:uppercase;">Transaction Fees</span></div></div></td></tr> <tr style="height:19pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:174.17pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:173.67pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">When charge Is Deducted</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:174.16pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Amount Deducted</span></div></div></td></tr> <tr style="height:46pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Premium Expense Charge</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">When premium payment is applied</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Guaranteed Maximum:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><span style="-sec-ix-hidden:f4ed924d-ebb8-47ea-844a-b7c80de8fa7f">8.0</span></span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">% of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">premiums paid</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Current:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><span style="-sec-ix-hidden:ba328ea0-1ffb-4346-8487-5e3cde7b8ebc">4.0</span></span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">% of premiums paid</span></div></div></td></tr> <tr style="height:19pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Deferred Sales Charge</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:109pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Surrender</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">On Surrender or lapse during the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">applicable Surrender Charge Period;</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">On Face Amount decreases within </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the applicable Surrender Charge </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Period;</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">After a Surrender, Lapse or Face </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Amount decrease during the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">applicable Surrender Charge Period</span></div></div></td> <td style="padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Minimum and Maximum </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Guaranteed Charge</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">: </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">11.57</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">—$</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">42.18</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> per $1000 of Face </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Amount</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Minimum and Maximum Current </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Charge</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">: $11.57—$</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">42.18</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> per $1000 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">of Face Amount</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:55pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Maximum Guaranteed Charge for a </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Representative Investor (Male, Age </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">40, Premier rating) for $250,000 of </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Face Amount</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;margin-top:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$22.17 per $1000 of Face Amount</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Current Charge for a Representative </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Investor (Male, Age 40, Premier </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rating) for $250,000 of Face Amount</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$22.17 per $1000 of Face Amount</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:31pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Partial Surrender Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">At time of partial surrender</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Guaranteed Maximum:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">25</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Current:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">0</span></div></div></td></tr> <tr style="height:55pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Transfer Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">At time of transfer</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Guaranteed Maximum:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">30</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> per </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">transfer in excess of 12 transfers </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">within a Policy Year</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Current:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">0</span></div></div></td></tr> <tr style="height:31pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Returned Payment (Bad Check) Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">At time payment is returned</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Guaranteed Maximum:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">20</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Current:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">0</span></div></div></td></tr> <tr style="height:19pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Living Benefits Rider Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">When you exercise the benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">150</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> (one time)</span></div></div></td></tr> <tr style="height:54.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Overloan Protection Rider Fee</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(4)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">When you exercise the benefit</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Guaranteed Maximum of the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Policy’s </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Cash Value: </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_59d6d468-c36f-41ed-8957-a6a7ce668d17">8.5%</span></span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Minimum Guaranteed of the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Policy’s Cash Value</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">: </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><span style="-sec-ix-hidden:bd616081-894f-47cd-aa89-475eb86764e0">1.0%</span></span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:19.5pt;"> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:522.00pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;text-transform:uppercase;">Transaction Fees</span></div></div></td></tr> <tr style="height:19pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:174.17pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:173.67pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">When charge Is Deducted</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:174.16pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Amount Deducted</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:43pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Maximum Guaranteed Charge for a </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Representative Investor with Attained </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Age 87</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">5.5% of Cash Value</span></div></div></td></tr> <tr style="height:31pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Current Charge for a Representative </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Investor with Attained Age 87</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">5.5% of Cash Value</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:31pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Premium Deposit Account </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Withdrawal Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">At time of withdrawal from the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Premium Deposit Account</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Guaranteed Maximum:</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">10</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">% of the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">withdrawal</span></div></div></td></tr> <tr style="height:99.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insurance Exchange Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">When you exercise the benefit</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">A one-time payment equal to </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">103</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">% </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">of the excess amount of the Cash </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Surrender Value of the new policy </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">over the Cash Surrender Value of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">the existing policy at the time of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">exercise. If there is not excess </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">amount, the one-time fee will not </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">be charged.</span><span style="font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">5</span> <div style="clear:right;"> </div></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:9pt;">1</span><span style="color:#000000;font-family:Arial;font-size:9pt;">The current Premium Expense Charge includes a state premium tax component of 2.00%; a sales expense component of 0.75%; and, as a non-qualified policy, a federal tax component of 1.25% is also included.</span><span style="color:#000000;font-family:Arial;font-size:9pt;">2</span><span style="color:#000000;font-family:Arial;font-size:9pt;">Exceptions to Surrender Charge. We will not deduct a surrender charge if: </span><span style="color:#000000;font-family:Arial;font-size:9pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9pt;">If you fully surrender the Policy for the ACSV while the ACSV is available. </span><span style="color:#000000;font-family:Arial;font-size:9pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9pt;">We cancel the policy (other than policy lapse) pursuant to the Policy’s contestability provisions (See Additional Policy Provisions—Limits on Our Rights to Challenge Your Policy); </span><span style="color:#000000;font-family:Arial;font-size:9pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9pt;">We pay proceeds upon the death of the insured; </span><span style="color:#000000;font-family:Arial;font-size:9pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9pt;">We pay a required Internal Revenue Service minimum distribution; or </span><span style="color:#000000;font-family:Arial;font-size:9pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9pt;">The policy is out of the Surrender Charge Period. </span><span style="color:#000000;font-family:Arial;font-size:9pt;">3</span><span style="color:#000000;font-family:Arial;font-size:9pt;">The Guaranteed Maximum charge illustrated above is for a Male, Age 60, Quality Rating and a $10,000 planned premium. Your surrender charge will be the lesser of 50% of total premiums paid under the policy or a percentage of the Surrender Charge Premium applicable to the Policy Year. The percentage of the Surrender Charge Premium applicable by Policy Year is: 94% for Policy Year 1; 89% for Policy Year 2; 84% for Policy Year 3; 79% for Policy Year 4; 74% for Policy Year 5; 62% for Policy Year 6; 49% for Policy Year 7; 36% for Policy Year 8; 23% for Policy Year 9, 10% for Policy Year 10 and 0% for Policy Year 11 and beyond. See “Charges Associated with the Policy — Transaction Charges — Surrender Charges” in the full prospectus for more information on the calculation of Surrender Charges. The Surrender Charge Premium varies based on individual characteristics, such as gender, Issue Age, and Policy Year. The charge shown may not be representative of what you will pay. To obtain more information about particular changes as they apply to your policy, please contact your registered representative. For a Face Amount decrease, the Surrender Charge is equal to the difference between (1) and (2), where (1) is the Surrender Charge calculated on the original Face Amount, and (2) is the Surrender Charge calculated on the new decreased Face Amount.</span><span style="color:#000000;font-family:Arial;font-size:9pt;">4</span><span style="color:#000000;font-family:Arial;font-size:9pt;">This cost varies based on characteristics of the insured and the charge shown may not be representative of the charge you will pay. To obtain more information about particular cost of insurance and other charges as they apply to your policy, please contact your registered representative. </span><span style="font-family:Arial;font-size:9pt;">5</span><span style="font-family:Arial;font-size:9pt;">If the Cash Surrender Value of the new policy after the exchange is zero or lower, then a payment in an amount sufficient to keep the new policy in effect for two months following the date of exchange will be required. This payment will be treated as a premium payment and will be applied to your policy</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Premium Expense Charge</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">When premium payment is applied</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Deferred Sales Charge</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">On Surrender or lapse during the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">applicable Surrender Charge Period;</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">On Face Amount decreases within </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the applicable Surrender Charge </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Period;</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">After a Surrender, Lapse or Face </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Amount decrease during the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">applicable Surrender Charge Period</span> 0.1157 0.4218 0.4218 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:55pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Maximum Guaranteed Charge for a </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Representative Investor (Male, Age </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">40, Premier rating) for $250,000 of </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Face Amount</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;margin-top:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$22.17 per $1000 of Face Amount</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Current Charge for a Representative </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Investor (Male, Age 40, Premier </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rating) for $250,000 of Face Amount</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$22.17 per $1000 of Face Amount</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:9pt;">Exceptions to Surrender Charge. We will not deduct a surrender charge if: </span><span style="color:#000000;font-family:Arial;font-size:9pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9pt;">If you fully surrender the Policy for the ACSV while the ACSV is available. </span><span style="color:#000000;font-family:Arial;font-size:9pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9pt;">We cancel the policy (other than policy lapse) pursuant to the Policy’s contestability provisions (See Additional Policy Provisions—Limits on Our Rights to Challenge Your Policy); </span><span style="color:#000000;font-family:Arial;font-size:9pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9pt;">We pay proceeds upon the death of the insured; </span><span style="color:#000000;font-family:Arial;font-size:9pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9pt;">We pay a required Internal Revenue Service minimum distribution; or </span><span style="color:#000000;font-family:Arial;font-size:9pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9pt;">The policy is out of the Surrender Charge Period. </span><span style="color:#000000;font-family:Arial;font-size:9pt;">3</span><span style="color:#000000;font-family:Arial;font-size:9pt;">The Guaranteed Maximum charge illustrated above is for a Male, Age 60, Quality Rating and a $10,000 planned premium. Your surrender charge will be the lesser of 50% of total premiums paid under the policy or a percentage of the Surrender Charge Premium applicable to the Policy Year. The percentage of the Surrender Charge Premium applicable by Policy Year is: 94% for Policy Year 1; 89% for Policy Year 2; 84% for Policy Year 3; 79% for Policy Year 4; 74% for Policy Year 5; 62% for Policy Year 6; 49% for Policy Year 7; 36% for Policy Year 8; 23% for Policy Year 9, 10% for Policy Year 10 and 0% for Policy Year 11 and beyond. See “Charges Associated with the Policy — Transaction Charges — Surrender Charges” in the full prospectus for more information on the calculation of Surrender Charges. The Surrender Charge Premium varies based on individual characteristics, such as gender, Issue Age, and Policy Year. The charge shown may not be representative of what you will pay. To obtain more information about particular changes as they apply to your policy, please contact your registered representative. For a Face Amount decrease, the Surrender Charge is equal to the difference between (1) and (2), where (1) is the Surrender Charge calculated on the original Face Amount, and (2) is the Surrender Charge calculated on the new decreased Face Amount.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Partial Surrender Fee</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">At time of partial surrender</span> 25 0 <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Transfer Charge</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">At time of transfer</span> 30 0 <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Returned Payment (Bad Check) Fee</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">At time payment is returned</span> 20 0 <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Living Benefits Rider Fee</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">When you exercise the benefit</span> 150 <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Overloan Protection Rider Fee</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">When you exercise the benefit</span> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:43pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Maximum Guaranteed Charge for a </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Representative Investor with Attained </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Age 87</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">5.5% of Cash Value</span></div></div></td></tr> <tr style="height:31pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Current Charge for a Representative </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Investor with Attained Age 87</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">5.5% of Cash Value</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:9pt;">This cost varies based on characteristics of the insured and the charge shown may not be representative of the charge you will pay. To obtain more information about particular cost of insurance and other charges as they apply to your policy, please contact your registered representative. </span><span style="font-family:Arial;font-size:9pt;">5</span><span style="font-family:Arial;font-size:9pt;">If the Cash Surrender Value of the new policy after the exchange is zero or lower, then a payment in an amount sufficient to keep the new policy in effect for two months following the date of exchange will be required. This payment will be treated as a premium payment and will be applied to your policy</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Premium Deposit Account </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Withdrawal Fee</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">At time of withdrawal from the </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Premium Deposit Account</span> 0.10 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insurance Exchange Rider</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">When you exercise the benefit</span> 1.03 <span style="color:#000000;font-family:Arial;font-size:9pt;">The current Premium Expense Charge includes a state premium tax component of 2.00%; a sales expense component of 0.75%; and, as a non-qualified policy, a federal tax component of 1.25% is also included.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:12pt;">The next table describes the fees and expenses that you will pay periodically during the time that you own </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">the policy, excluding the Eligible Portfolios’ fees and expenses.</span><span style="color:#000000;font-family:Arial;font-size:1pt;margin-left:0%;"> </span> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:19.5pt;"> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:522.00pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;text-transform:uppercase;">Periodic Charges Other Than Portfolios’ Annual Operating Expenses</span></div></div></td></tr> <tr style="height:19pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:174.17pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:173.67pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">When Charge Is Deducted</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:174.16pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Amount Deducted</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Monthly to Age 121</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Guaranteed Maximum:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">15</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> per </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">month</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Current:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">10</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> per month</span></div></div></td></tr> <tr style="height:97pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cost of Insurance Charge</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Monthly to Age 121</span></div></div></td> <td style="padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charge per month per $1000 of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Net Amount at Risk</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Minimum and Maximum </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Guaranteed Charge</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">: </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">0.0067</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">—$</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">83.33</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Minimum and Maximum Current </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Charge</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">: $0.0067—$66.477</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:55pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Maximum Guaranteed Charge for a </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Representative Investor (Male, Age </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">40, Premier Rating) for $250,000 </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Face Amount</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;margin-top:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$0.17186 per month for the first </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Policy Year</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Current Charge for a Representative </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Investor (Male, Age 40, Premier </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rating) for $250,000 Face Amount</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$0.03117 per month for the first </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Policy Year.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:82pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Mortality &amp; Expense</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Risk Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Each Monthly Deduction Day</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Guaranteed Maximum:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">0.75</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">% </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">charged as an annual percentage </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">of the Separate Account Value</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Current:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">0.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">% charged as an </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">annual percentage of the Separate </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Account Value</span></div></div></td></tr> <tr style="height:61pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Administrative</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Each Monthly Deduction Day</span></div></div></td> <td style="padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charge per $1000 of Face Amount</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Guaranteed Maximum:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">0.75</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> per </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">month</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Minimum:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">0.04</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> per month. </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:61pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge for a Representative Investor </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">(Male, Age 40, Premier Rating) for </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">$250,000 of initial Face Amount</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;margin-top:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$0.22275 per month.</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">(Initial Charge is based on the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Issue Age, gender, class of risk </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">and initial Face Amount at issue)</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:57.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Loan Interest</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accrues daily and compounds </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">annually (while loan balance is </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">outstanding)</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div></div></td> <td style="padding-bottom:3pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual charge rate as percentage </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">of the loan</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Guaranteed Maximum:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">6.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">%</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Current:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">3.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">%</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span> <div style="clear:right;"> </div></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:9pt;">1</span><span style="color:#000000;font-family:Arial;font-size:9pt;">This cost varies based on characteristics of the insured and the charge shown may not be representative of the charge you will pay. To obtain more information about particular cost of insurance and other charges as they apply to your policy, please contact your registered representative.</span><span style="color:#000000;font-family:Arial;font-size:9pt;">2</span><span style="color:#000000;font-family:Arial;font-size:9pt;">Loan interest accrues daily but is not deducted from the policy’s Cash Value. Any loan interest not paid when due will become part of the policy loan and will also accrue interest. See “When Loan Interest is Due” for additional information. The interest charged on loaned amounts is partially offset by the interest we credit to the Loan Account, which will always be at a rate at least equal to the Guaranteed Minimum Interest Rate. See “Interest Credited on the Cash Value Held as Collateral for a Policy Loan” for additional information. </span><span style="color:#000000;font-family:Arial;font-size:9pt;">3</span><span style="color:#000000;font-family:Arial;font-size:9pt;">The current loan interest rate is reduced to 2.00% annually in Policy Years 11 and beyond.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Charge</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Monthly to Age 121</span> 15 10 <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cost of Insurance Charge</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Monthly to Age 121</span> 0.000067 0.8333 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:55pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Maximum Guaranteed Charge for a </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Representative Investor (Male, Age </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">40, Premier Rating) for $250,000 </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Face Amount</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;margin-top:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$0.17186 per month for the first </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Policy Year</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Current Charge for a Representative </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Investor (Male, Age 40, Premier </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rating) for $250,000 Face Amount</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$0.03117 per month for the first </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Policy Year.</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Mortality &amp; Expense</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Risk Charge</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Each Monthly Deduction Day</span> 0.0075 0.0000 <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Administrative</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Charge</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Each Monthly Deduction Day</span> 0.0075 0.0004 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:61pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:174.17pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge for a Representative Investor </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">(Male, Age 40, Premier Rating) for </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">$250,000 of initial Face Amount</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:173.67pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;margin-top:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$0.22275 per month.</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">(Initial Charge is based on the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Issue Age, gender, class of risk </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">and initial Face Amount at issue)</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Loan Interest</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accrues daily and compounds </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">annually (while loan balance is </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">outstanding)</span> 0.0600 0.0300 <span style="color:#000000;font-family:Arial;font-size:9pt;">This cost varies based on characteristics of the insured and the charge shown may not be representative of the charge you will pay. To obtain more information about particular cost of insurance and other charges as they apply to your policy, please contact your registered representative.</span> <span style="color:#000000;font-family:Arial;font-size:9pt;">Loan interest accrues daily but is not deducted from the policy’s Cash Value. Any loan interest not paid when due will become part of the policy loan and will also accrue interest. See “When Loan Interest is Due” for additional information. The interest charged on loaned amounts is partially offset by the interest we credit to the Loan Account, which will always be at a rate at least equal to the Guaranteed Minimum Interest Rate. See “Interest Credited on the Cash Value Held as Collateral for a Policy Loan” for additional information. </span><span style="color:#000000;font-family:Arial;font-size:9pt;">3</span><span style="color:#000000;font-family:Arial;font-size:9pt;">The current loan interest rate is reduced to 2.00% annually in Policy Years 11 and beyond.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Eligible Portfolios’ Annual Operating Expenses</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:12pt;">The next table shows the minimum and maximum total operating expenses deducted from Portfolio assets </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">during the year ended December 31, 2025. Portfolio expenses may change from year to year, and hence may be higher or lower in the future. You may pay these expenses periodically during the time that your Cash Value is invested in the Investment Divisions of the Separate Account. A complete list of the underlying Eligible Portfolios, including information concerning each underlying Portfolio’s annual fees and expenses, is contained in an Appendix at the back of this prospectus.</span><span style="font-family:Arial;font-size:1pt;margin-left:0%;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:30.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;margin-top:12pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Annual Portfolio Expenses</span><span style="font-family:Arial;font-size:6.5pt;font-style:italic;font-weight:bold;position:relative;top:-4.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Maximum</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Total Annual Portfolio Operating Expenses</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> (expenses that are </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">deducted from portfolio assets, including management fees, distribution </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(12b-1) fees, and other expenses)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.12%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.31%</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:340.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Net Annual Portfolio Operating Expenses</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> (expenses that are deducted </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">from portfolio assets, including management fees, distribution (12b-1) fees, </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">and other expenses, after any expense reimbursement or fee waiver </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">arrangements)</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.12%</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.16%</span></div></div></td></tr></table><span style="font-family:Arial;font-size:9pt;">1</span><span style="font-family:Arial;font-size:9pt;">Expressed as a percentage of average net assets for the fiscal year ended December 31, 2025. Portfolio expenses may be higher or lower in the future. This information is provided by the Portfolios and their agents. The information is based on 2025 expenses.</span><span style="font-family:Arial;font-size:9pt;">2</span><span style="font-family:Arial;font-size:9pt;">The range of Net Annual Portfolio Operating Expenses takes into account contractual arrangements for the Portfolios that require a Portfolio’s investment adviser to reimburse or waive portfolio expenses through at least April 30, 2027.</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Total Annual Portfolio Operating Expenses</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> (expenses that are </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">deducted from portfolio assets, including management fees, distribution </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(12b-1) fees, and other expenses)</span> 0.0012 0.0131 <span style="font-family:Arial;font-size:9pt;">Expressed as a percentage of average net assets for the fiscal year ended December 31, 2025. Portfolio expenses may be higher or lower in the future. This information is provided by the Portfolios and their agents. The information is based on 2025 expenses.</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;text-transform:uppercase;">Summary of Principal Risks of Investing in the Policy</span> <hr style="background-color:#000000;height:2pt;margin-bottom:2pt;margin-left:0%;margin-top:1.0pt;text-align:left;top:12pt;width:522pt;"/><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Many benefits of the Market Wealth Plus life insurance policies have a corresponding risk, and both benefits and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">risks should be considered before you purchase the Policy. More complete and detailed information about the features of the Policy is provided in this prospectus and in the SAI. See “Overview of the Policy—3. Summary of Primary Features.” Capitalized terms used in this prospectus have the same meaning as in the “Definitions” section above.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Investment Risk</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">While a variable policy has the potential for a higher rate of return than a fixed rate policy, investment returns on the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">assets in the Separate Account may decline in value, and you can lose principal. Each Investment Division has its own investment objective and investment strategy. The performance of each will vary, and some Investment Divisions are riskier than others. We do not guarantee the investment performance of the Investment Divisions or Eligible Portfolios. You bear the entire investment risk for all amounts allocated to the Separate Account Investment Divisions. Your premium and Cash Value allocation choices should be consistent with your personal investment objective and your risk tolerance.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Not a Short-Term Investment</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">In addition, a variable life insurance policy is designed to provide a Life Insurance Benefit or to help meet other </span><span style="color:#000000;font-family:Arial;font-size:10pt;">long-term financial objectives. Substantial fees, expenses, and tax implications generally make variable life insurance unsuitable as a short-term savings vehicle. Additionally, the policy may limit your ability to withdraw a portion of the Cash Value through partial surrenders. (See “Loans”, and “Surrenders—Partial Surrenders—Amount Available for a Partial Surrender”.)</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Portfolio Risks</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The Investment Divisions involve the risk of poor investment performance. A discussion of the risks of allocating </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Cash Value to each of the Investment Divisions can be found in the corresponding Fund’s prospectus.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Risk of Lapse (especially on minimally-funded policies)</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Your policy can lapse even if you pay all of the planned premiums on time. When a policy lapses, it has no value, </span><span style="color:#000000;font-family:Arial;font-size:10pt;">and no benefits are paid upon the death of the insured. You may also lose the principal invested. Note that termination and lapse have the same meaning and effect throughout this prospectus. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">A policy that has a Cash Surrender Value just sufficient to cover Monthly Deduction Charges and other charges, or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">that is otherwise minimally funded, is less likely to maintain its Cash Surrender Value due to market fluctuation and other performance related risks. To continue to keep your policy in force when the Guarantee Period ends, premium payments significantly higher than the premium necessary to maintain the No Lapse Guarantee benefit may be required. In addition, by paying only the minimum required monthly premium for the No Lapse Guarantee, you may forego the opportunity to build up significant Cash Value in the policy. When initially determining the amount of your planned premium payments, you should consider funding your policy at a level that has the potential to maximize the investment opportunities within your policy and to minimize the risks associated with market fluctuations.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Risk of Lapse from Policy Loans</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The larger a policy loan becomes relative to the policy’s Cash Surrender Value, the greater the risk that the policy’s </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Cash Surrender Value will not be sufficient to support the policy’s charges and expenses, including any loan interest due, and the greater the risk of the policy lapsing. Any loan interest payable on a policy anniversary that you do not pay will become part of the outstanding policy loan principal and will also accrue interest. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">A loan, repaid or not, has a permanent effect on your Cash Value. The effect could be favorable if the Investment </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Divisions earn less than the interest rate credited on the loan amount in the Loan Account, or unfavorable, if the Investment Divisions earn more. The longer a loan is outstanding, the greater the effect on your Cash Value. If it is not repaid, the aggregate amount of the outstanding loan principal and any accrued interest will reduce the Life Insurance Proceeds that might otherwise be paid. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Unless your policy qualifies as a modified endowment contract, policy loans are not taxable. However, if loans </span><span style="color:#000000;font-family:Arial;font-size:10pt;">taken, including unpaid loan interest, exceed the premiums paid, a policy surrender or lapse will result in a taxable event for you. If a policy is a modified endowment contract, a loan may result in taxable income and penalty taxes to you.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Limitations on Access to Cash Value (Liquidity Risk)</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The Policy is generally not a liquid investment. Surrender charges will apply during the Surrender Charge Period. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The policy is designed for long-term life insurance coverage. It is not suitable as a short-term investment vehicle. There are limitations on your ability to access your cash value through full and partial surrenders, including surrender charges, partial surrender fees, possible tax consequences, adverse impacts on policy benefits, increased risk of policy lapse, and administrative requirements. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">A partial surrender will reduce your policy’s Cash Value by the amount withdrawn. If the policy’s Cash Surrender </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Value is reduced to a point where it cannot meet the Monthly Deduction Charges, your policy may lapse and terminate. A partial surrender may also reduce your policy’s Face Amount and may have adverse tax consequences. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Accessing Cash Value through policy loans also has costs, increases the risk of policy lapse, may have adverse tax </span><span style="color:#000000;font-family:Arial;font-size:10pt;">consequences, and may negatively impact your Cash Value and other policy benefits.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Tax Risks</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The section of this prospectus entitled “Federal Income Tax Considerations” describes a number of tax issues that </span><span style="color:#000000;font-family:Arial;font-size:10pt;">may arise in connection with the policy. These risks include: (1) the possibility that the IRS may interpret the rules that apply to variable universal life insurance contracts in a manner that could result in you being treated as the owner of your policy’s pro rata portion of the assets of the Separate Account; (2) the possibility that the IRS may take the position that the policy does not qualify as life insurance for tax purposes; (3) the possibility that, as a result of policy transactions, including the payment of premiums or increases or decreases in policy benefits, the policy may be treated as a modified endowment contract for federal income tax purposes, with special rules that apply to policy distributions, including loans; (4) in general, the possibility that the policy may not qualify as life insurance under the federal tax law after the insured becomes age 100 and that the owner may be subject to adverse tax consequences at that time; (5) whether and to what extent the Life Insurance Benefit may be received on a tax-free basis in the case of employer-owned life insurance contracts; and (6) the possibility that the IRS may treat a loan as a taxable distribution if there is no spread, or a very small spread, between the interest rate charged on the loan and the interest rate credited on the loaned amount. In addition, Congress may change the present federal income tax laws that apply to your policy, or the IRS may change current interpretations thereof, which change may occur without notice, and could have retroactive effects, regardless of the date of enactment or publication, as the case may be.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Potential for Increased Charges</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The actual charges deducted are current charges on your policy. However, we have the right to increase those </span><span style="color:#000000;font-family:Arial;font-size:10pt;">charges at any time up to the guaranteed maximum charges specified in the fee table and as stated in your policy. (See “Table of Fees and Expenses” for more information.)</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Potentially Harmful Transfer Activity</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">This policy is not designed as a vehicle for market timing. Accordingly, your ability to make transfers under the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">policy is subject to limitation if we determine, in our sole opinion, that the exercise of that privilege may disadvantage or potentially hurt the rights or interests of other policyowners. We have limitations and restrictions on transfer activity (see “Description of the Policy—Limits on Transfers” for more information). We cannot guarantee that these limitations and restrictions will be effective in detecting and preventing all transfer activity that could potentially disadvantage or hurt the rights or interests of other policyowners. Potentially harmful transfer activity could result in reduced performance results for one or more Investment Divisions, due to among other things: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">portfolio management decisions driven by the need to maintain higher than normal liquidity or the inability to sustain an investment objective; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">increased administrative and Fund brokerage expenses; and/or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">dilution of the interests of long-term investors. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">An underlying Fund portfolio may reject any order from us if it suspects potentially harmful transfer activity, thereby </span><span style="color:#000000;font-family:Arial;font-size:10pt;">preventing us from implementing your request for a transfer. (See “Description of the Policy—Limits on Transfers” for more information on the risks of frequent trading.)</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Potential for Low Crediting Rates</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The rates we declare on the Fixed Account, DCA Accounts and Loan Account may be lower than what you would </span><span style="color:#000000;font-family:Arial;font-size:10pt;">find acceptable.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Insurance Company Risks; Risks Affecting our Administration of Your Policy</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">NYLIAC’s business activity and operations, and/or the activities and operations of our service providers and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">business partners, are subject to certain risks, including, those resulting from information systems failures, cyber-attack/ransomware, or current or future outbreaks of infectious diseases, viruses (including COVID-19), epidemics or pandemics (“serious infectious disease outbreaks”). These risks are common to all insurers and financial service providers and may materially impact our ability to administer the policy (and to keep policyowner information confidential). (See “Management and Organization—Information Systems Failures and Cybersecurity Risks” for more information on information systems failures and cybersecurity risks and “Management and Organization—Risks from Serious Infectious Disease Outbreaks” for more information on risks from serious infectious disease outbreaks.) </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">NYLIAC’s obligations under the policy are subject to its claims-paying ability and financial strength, and are not </span><span style="color:#000000;font-family:Arial;font-size:10pt;">backed or guaranteed by NYLIC.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Investment Risk</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">While a variable policy has the potential for a higher rate of return than a fixed rate policy, investment returns on the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">assets in the Separate Account may decline in value, and you can lose principal. Each Investment Division has its own investment objective and investment strategy. The performance of each will vary, and some Investment Divisions are riskier than others. We do not guarantee the investment performance of the Investment Divisions or Eligible Portfolios. You bear the entire investment risk for all amounts allocated to the Separate Account Investment Divisions. Your premium and Cash Value allocation choices should be consistent with your personal investment objective and your risk tolerance.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Not a Short-Term Investment</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">In addition, a variable life insurance policy is designed to provide a Life Insurance Benefit or to help meet other </span><span style="color:#000000;font-family:Arial;font-size:10pt;">long-term financial objectives. Substantial fees, expenses, and tax implications generally make variable life insurance unsuitable as a short-term savings vehicle. Additionally, the policy may limit your ability to withdraw a portion of the Cash Value through partial surrenders. (See “Loans”, and “Surrenders—Partial Surrenders—Amount Available for a Partial Surrender”.)</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Portfolio Risks</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The Investment Divisions involve the risk of poor investment performance. A discussion of the risks of allocating </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Cash Value to each of the Investment Divisions can be found in the corresponding Fund’s prospectus.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Risk of Lapse (especially on minimally-funded policies)</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Your policy can lapse even if you pay all of the planned premiums on time. When a policy lapses, it has no value, </span><span style="color:#000000;font-family:Arial;font-size:10pt;">and no benefits are paid upon the death of the insured. You may also lose the principal invested. Note that termination and lapse have the same meaning and effect throughout this prospectus. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">A policy that has a Cash Surrender Value just sufficient to cover Monthly Deduction Charges and other charges, or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">that is otherwise minimally funded, is less likely to maintain its Cash Surrender Value due to market fluctuation and other performance related risks. To continue to keep your policy in force when the Guarantee Period ends, premium payments significantly higher than the premium necessary to maintain the No Lapse Guarantee benefit may be required. In addition, by paying only the minimum required monthly premium for the No Lapse Guarantee, you may forego the opportunity to build up significant Cash Value in the policy. When initially determining the amount of your planned premium payments, you should consider funding your policy at a level that has the potential to maximize the investment opportunities within your policy and to minimize the risks associated with market fluctuations.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Risk of Lapse from Policy Loans</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The larger a policy loan becomes relative to the policy’s Cash Surrender Value, the greater the risk that the policy’s </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Cash Surrender Value will not be sufficient to support the policy’s charges and expenses, including any loan interest due, and the greater the risk of the policy lapsing. Any loan interest payable on a policy anniversary that you do not pay will become part of the outstanding policy loan principal and will also accrue interest. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">A loan, repaid or not, has a permanent effect on your Cash Value. The effect could be favorable if the Investment </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Divisions earn less than the interest rate credited on the loan amount in the Loan Account, or unfavorable, if the Investment Divisions earn more. The longer a loan is outstanding, the greater the effect on your Cash Value. If it is not repaid, the aggregate amount of the outstanding loan principal and any accrued interest will reduce the Life Insurance Proceeds that might otherwise be paid. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Unless your policy qualifies as a modified endowment contract, policy loans are not taxable. However, if loans </span><span style="color:#000000;font-family:Arial;font-size:10pt;">taken, including unpaid loan interest, exceed the premiums paid, a policy surrender or lapse will result in a taxable event for you. If a policy is a modified endowment contract, a loan may result in taxable income and penalty taxes to you.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Limitations on Access to Cash Value (Liquidity Risk)</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The Policy is generally not a liquid investment. Surrender charges will apply during the Surrender Charge Period. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The policy is designed for long-term life insurance coverage. It is not suitable as a short-term investment vehicle. There are limitations on your ability to access your cash value through full and partial surrenders, including surrender charges, partial surrender fees, possible tax consequences, adverse impacts on policy benefits, increased risk of policy lapse, and administrative requirements. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">A partial surrender will reduce your policy’s Cash Value by the amount withdrawn. If the policy’s Cash Surrender </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Value is reduced to a point where it cannot meet the Monthly Deduction Charges, your policy may lapse and terminate. A partial surrender may also reduce your policy’s Face Amount and may have adverse tax consequences. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Accessing Cash Value through policy loans also has costs, increases the risk of policy lapse, may have adverse tax </span><span style="color:#000000;font-family:Arial;font-size:10pt;">consequences, and may negatively impact your Cash Value and other policy benefits.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Tax Risks</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The section of this prospectus entitled “Federal Income Tax Considerations” describes a number of tax issues that </span><span style="color:#000000;font-family:Arial;font-size:10pt;">may arise in connection with the policy. These risks include: (1) the possibility that the IRS may interpret the rules that apply to variable universal life insurance contracts in a manner that could result in you being treated as the owner of your policy’s pro rata portion of the assets of the Separate Account; (2) the possibility that the IRS may take the position that the policy does not qualify as life insurance for tax purposes; (3) the possibility that, as a result of policy transactions, including the payment of premiums or increases or decreases in policy benefits, the policy may be treated as a modified endowment contract for federal income tax purposes, with special rules that apply to policy distributions, including loans; (4) in general, the possibility that the policy may not qualify as life insurance under the federal tax law after the insured becomes age 100 and that the owner may be subject to adverse tax consequences at that time; (5) whether and to what extent the Life Insurance Benefit may be received on a tax-free basis in the case of employer-owned life insurance contracts; and (6) the possibility that the IRS may treat a loan as a taxable distribution if there is no spread, or a very small spread, between the interest rate charged on the loan and the interest rate credited on the loaned amount. In addition, Congress may change the present federal income tax laws that apply to your policy, or the IRS may change current interpretations thereof, which change may occur without notice, and could have retroactive effects, regardless of the date of enactment or publication, as the case may be.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Potential for Increased Charges</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The actual charges deducted are current charges on your policy. However, we have the right to increase those </span><span style="color:#000000;font-family:Arial;font-size:10pt;">charges at any time up to the guaranteed maximum charges specified in the fee table and as stated in your policy. (See “Table of Fees and Expenses” for more information.)</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Potentially Harmful Transfer Activity</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">This policy is not designed as a vehicle for market timing. Accordingly, your ability to make transfers under the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">policy is subject to limitation if we determine, in our sole opinion, that the exercise of that privilege may disadvantage or potentially hurt the rights or interests of other policyowners. We have limitations and restrictions on transfer activity (see “Description of the Policy—Limits on Transfers” for more information). We cannot guarantee that these limitations and restrictions will be effective in detecting and preventing all transfer activity that could potentially disadvantage or hurt the rights or interests of other policyowners. Potentially harmful transfer activity could result in reduced performance results for one or more Investment Divisions, due to among other things: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">portfolio management decisions driven by the need to maintain higher than normal liquidity or the inability to sustain an investment objective; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">increased administrative and Fund brokerage expenses; and/or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">dilution of the interests of long-term investors. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">An underlying Fund portfolio may reject any order from us if it suspects potentially harmful transfer activity, thereby </span><span style="color:#000000;font-family:Arial;font-size:10pt;">preventing us from implementing your request for a transfer. (See “Description of the Policy—Limits on Transfers” for more information on the risks of frequent trading.)</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Potential for Low Crediting Rates</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The rates we declare on the Fixed Account, DCA Accounts and Loan Account may be lower than what you would </span><span style="color:#000000;font-family:Arial;font-size:10pt;">find acceptable.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Insurance Company Risks; Risks Affecting our Administration of Your Policy</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">NYLIAC’s business activity and operations, and/or the activities and operations of our service providers and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">business partners, are subject to certain risks, including, those resulting from information systems failures, cyber-attack/ransomware, or current or future outbreaks of infectious diseases, viruses (including COVID-19), epidemics or pandemics (“serious infectious disease outbreaks”). These risks are common to all insurers and financial service providers and may materially impact our ability to administer the policy (and to keep policyowner information confidential). (See “Management and Organization—Information Systems Failures and Cybersecurity Risks” for more information on information systems failures and cybersecurity risks and “Management and Organization—Risks from Serious Infectious Disease Outbreaks” for more information on risks from serious infectious disease outbreaks.) </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">NYLIAC’s obligations under the policy are subject to its claims-paying ability and financial strength, and are not </span><span style="color:#000000;font-family:Arial;font-size:10pt;">backed or guaranteed by NYLIC.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Additional Benefits Through Riders And Options</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Subject to jurisdictional availability, you can apply for additional benefits by selecting one or more optional riders. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Living Benefits Rider, Insurance Exchange Rider, Overloan Protection Rider and the Spouse’s Paid-Up Insurance </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Purchase Option Rider are available without any additional ongoing periodic charges. However, a one-time charge is assessed if the Living Benefits Rider or Overloan Protection Rider is exercised and a conditional premium payment may be required if the Insurance Exchange Rider is exercised. (See “Table of Fees and Expenses” for more information.) The Insurance Exchange Rider, Spouse’s Paid-Up Insurance Purchase Option Rider and Overloan Protection Rider can be elected only upon the issuance of the policy; the Living Benefits Rider can be elected at any time, subject to age and/or underwriting restrictions, provided they are available in your state of issue. Dollar-Cost Averaging, Dollar-Cost Averaging Plus Account (only available at issuance of the policy), Dollar-Cost Averaging Extension Account, Automatic Asset Rebalancing, Interest Sweep and Expense Allocation are options that are available without any additional ongoing costs. See “State Variations and Rider Availability” for a list of riders or options (if any) that may not be available in your state. Please note that the examples provided below are intended to illustrate the operation of the riders. The rates and values actually applicable to your policy will vary from those presented.</span><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Purpose</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Is this Benefit</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Standard or Optional?</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:341pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Dollar-Cost </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Averaging</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Dollar-Cost Averaging is a </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">systematic method of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">investing that allows you to </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">purchase shares of the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Divisions at </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">regular intervals in fixed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">dollar amounts so that the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">cost of your shares is </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">averaged over time.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Dollar-Cost Averaging does </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">not assure growth or </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">protect against a loss in </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">declining markets.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You may not make </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Dollar-Cost Averaging </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">transfers from the Fixed </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account, but you can make </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Dollar-Cost Averaging </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">transfers into the Fixed </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Your cash value must be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">$2,500 or more to elect </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Dollar-Cost Averaging and </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">it will be automatically </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">suspended if the Cash </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Value is less than $2,000 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">on a transfer date.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You may not elect </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Dollar-Cost Averaging if </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">you have chosen </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Automatic Asset </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Rebalancing.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">This option is not available </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">with the Dollar-Cost </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Averaging Plus Account or </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Dollar-Cost Averaging </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Extension Account.</span></div></div></td></tr> <tr style="height:134.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Dollar-Cost </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Averaging Plus </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Account</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The DCA Plus Program </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">allows you to make regular </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">periodic allocations from the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">DCA Plus Account into the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Divisions and/or </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fixed Account over the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">twelve-month period </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">following the Initial Premium </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Transfer Date. The DCA Plus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Account will credit interest to </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the amount in the account at</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Optional</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Use of the DCA Plus </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account does not assure </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">growth or protect against </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">loss in declining markets.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The DCA Plus Account </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">must be elected at the time </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">your policy is issued.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Because the entire initial </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Premium is not in the DCA </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Plus Account for the full </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">year, the annual effective </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Purpose</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Is this Benefit</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Standard or Optional?</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:269pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">a rate, which we declare </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">periodically, in advance, and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">at our sole discretion, but the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">rate will never be less than </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the GMIR.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">rate will not be achieved.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The entire initial Net </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Premium, which must be a </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">minimum of $1,000, must </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">be allocated to the DCA </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Plus Account.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You cannot use traditional </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Dollar-Cost Averaging or </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Interest Sweep until such </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">time that the DCA Plus </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account is closed.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The DCA Plus Account will </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">close automatically 12 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">months following the Initial </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Premium Transfer Date, or </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">such time that the balance </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">in the DCA Plus Account </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">on a DCA Plus Transfer </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Date falls below $100, </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">whichever is sooner.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You cannot make transfers </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">into the DCA Plus Account.</span></div></div></td></tr> <tr style="height:317pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Dollar-Cost </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Averaging </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Extension Account</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">After the completion of the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">DCA Plus Program, the DCA </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Extension Program allows </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">you to make regular periodic </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">allocations from the DCA </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Extension Account to the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Divisions and/or </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fixed Account when a single </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">premium payment of at least </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$10,000 is made. The DCA </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Extension Account will credit </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">interest to the amount in the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">account at a rate, which we </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">declare periodically, in </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">advance, and at our sole </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">discretion, but the rate will </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">never be less than the GMIR.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Use of the DCA Extension </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Program does not assure </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">growth or protect against </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">loss in declining markets.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Only available after the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">completion of the DCA </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Plus Program and in the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">first 7 Policy Years.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Because the entire initial </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Premium is not in the DCA </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Extension Account for the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">full year, the annual </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">effective rate will not be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">achieved.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You cannot use traditional </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Dollar-Cost Averaging or </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Interest Sweep until such </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">time that the DCA </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Extension Account is </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">closed.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The cash value in the DCA </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Extension Account must be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">at least $100 for the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">program to continue.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You cannot make transfers </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">into this account.</span></div></div></td></tr> <tr style="height:38.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Automatic Asset </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Rebalancing</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Automatically rebalances the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">amount you have in the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Separate Account on a</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Optional</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Your Separate Account </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Value must be at least </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">$2,500 to elect this option. </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Purpose</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Is this Benefit</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Standard or Optional?</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:149pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">schedule you select among </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Investment Divisions to </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">maintain a predetermined </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">percentage invested in the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Division(s) you </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">have selected.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">We will suspend this option </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">automatically if the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Separate Account Value is </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">less than $2,000 on a </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">rebalancing date.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">You may not elect </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Automatic Asset </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Rebalancing if you have </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">chosen Dollar-Cost </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Averaging or any of the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Dollar-Cost Averaging </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Accounts.</span></div></div></td></tr> <tr style="height:401pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Interest Sweep</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Automatically transfers </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">interest earned on the Fixed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Account to one or any </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">combination of Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Divisions.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">The value in the Fixed </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account must be at least </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">$2,500 to elect this option </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">and it will be automatically </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">suspended if the amount in </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">the Fixed Account falls </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">below $2,000.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">You cannot use this option </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">if you have instructed us to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">pay any part of your policy </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">charges from the Fixed </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">If you want to use this </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">option and allocate your </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">charges, your charges </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">must be allocated to the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">NYLIM VP U.S. </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Government Money Market </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Investment Division.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">An Interest Sweep transfer </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">cannot cause more than </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">the greater of (i) $5,000 or </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">(ii) 20% of the amount you </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">have in the Fixed Account </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">at the beginning of the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Policy Year to be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">transferred from the Fixed </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">This option is not available </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">with the Dollar-Cost </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Averaging Plus Account or </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Dollar-Cost Averaging </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Extension Account.</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expense Allocation </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Option</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">You can choose how to </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">allocate certain Monthly </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Deduction Changes from </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">your Cash Value.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Expense Allocation is only </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">available from the Fixed </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account or the NYLIM VP </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">U.S. Government Money </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Market Investment Division.</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Premium Deposit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Allows you to fund up to 14</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Optional</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Subject to jurisdictional </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Purpose</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Is this Benefit</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Standard or Optional?</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:401pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Account (“PDA”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">annual Planned Premiums or </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">179 monthly Planned </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Premiums through a lump </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">sum deposit into an </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">interest-bearing PDA. The </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">amount in the PDA earns </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">interest at a rate effective on </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the date the PDA is opened </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">and that will not change for </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the duration of the PDA.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">requirements, the PDA may </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">be available to you through </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">an agreement and/or rider. </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">See “State Variations and </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Rider Availability” for more </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">information.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The amount you may fund </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">into the PDA may be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">limited by the terms of the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">PDA Agreement and/or </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Rider.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You may only make one </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">lump sum deposit into the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">PDA.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Use of the PDA does not </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">guarantee that the policy </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">will not lapse.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">There may be limits on </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">withdrawals from the PDA </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">and a withdrawal fee may </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">apply.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Planned Premium mode </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">must be monthly or annual </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">and cannot be changed </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">during the duration of the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">PDA.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The Initial Premium must </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">be paid outside of the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">PDA.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The PDA can only be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">elected within 45 days after </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the Initial Premium is paid </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">into the policy.</span></div></div></td></tr> <tr style="height:185pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No Lapse </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Guarantee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">This ensures that your policy </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">will remain in effect during </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Guarantee Period, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">provided that your policy </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">premium payments satisfy </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the No Lapse Guarantee </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Premium Test on each </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Monthly Deduction Day. This </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">benefit prevents your policy </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">from lapsing during the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Guarantee Period even if the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cash Surrender Value is </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">insufficient to cover the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Monthly Deduction Charges </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">on a Monthly Deduction Day.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The duration of the No </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Lapse Guarantee is 10 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">years.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The No Lapse Guarantee </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">will become inactive before </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the end of the Guarantee </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Period if, on any Monthly </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Deduction Day, your </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">premium payments do not </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">pass the No Lapse </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Guarantee Premium Test.</span></div></div></td></tr> <tr style="height:38.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Living Benefits </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Rider (filed as the </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Accelerated</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Advances a portion of the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Life Insurance Benefit </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Proceeds upon Insured</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Optional</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Minimum accelerated </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">benefit amount is $25,000.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Maximum accelerated </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Purpose</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Is this Benefit</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Standard or Optional?</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:173pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefits Rider)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">having a life expectancy of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">12 months or less.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">benefit amount is $250,000 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">(total for all </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIAC and </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">affiliated companies’ </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">policies).</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">A payment under this rider </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">will reduce your policy’s </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Face Amount</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">, rider death </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">benefits, monthly </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">deductions, </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cash Value, </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">and any unpaid policy loan.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">There is a $150 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">administrative fee to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">exercise the rider.</span></div></div></td></tr> <tr style="height:125pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Spouse’s Paid-Up </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Insurance Purchase </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Option Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Allows a spouse who is the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">beneficiary under the policy </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">to purchase a new paid-up </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">whole life insurance policy on </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">his or her own life without </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">evidence of insurability when </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the insured dies.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">The maximum Face </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Amount of the spouse’s </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">new paid-up whole life </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">policy is the lesser of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">(1) the maximum amount </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">of the Life Insurance </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Benefits Proceeds (before </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">any unpaid loan is </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">deducted), or (2) </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">$5,000,000.</span></div></div></td></tr> <tr style="height:161pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Insurance </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Exchange Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">This rider allows you to </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">exchange the policy for a </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">new NYLIAC variable </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">universal life policy issued on </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">a new insured using the cash </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">values from your original </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">You must provide evidence </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">of insurability on the new </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">insured and have an </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">insurable interest in the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">new insured.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">You may be required to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">make a conditional </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">premium payment to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">exercise this rider.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Exercising this rider will </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">have tax consequences.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">This rider may be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">exercised only once.</span></div></div></td></tr> <tr style="height:170.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Overloan Protection </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">When activated, the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Overloan Protection Rider </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">guarantees that your policy </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">will not lapse even if: (1) the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy’s Cash Surrender </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Value is insufficient to cover </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the current Monthly </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Deduction Charges or (2) the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy’s outstanding loans </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">plus accrued loan interest </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">exceed its Cash Value.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Standard</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">To activate this rider, the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">following conditions must be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">met:</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">The policy must be in effect </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">for at least 15 years.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">The insured must be at </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">least age 75.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Any outstanding loan plus </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">accrued loan interest </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">exceeds the Face Amount </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">of the policy in effect at the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">time of activation.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Any outstanding loan plus </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">accrued loan interest must </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Purpose</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Is this Benefit</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Standard or Optional?</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:350.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;"> </span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">be less than 99% of the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">policy Cash Value after the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">deduction of any surrender </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">charges and the one-time </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">rider charge.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Activation of the rider </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">cannot cause the policy to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">violate IRC Section 7702 at </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">any duration.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Cumulative partial </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">surrenders taken must be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">no less than the total </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">premiums paid under the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">policy.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Activation results in certain </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">changes to your policy, </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">including changes to the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">face amount and a </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">reduction in the </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Life </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Insurance Proceeds</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">. In </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">addition, all other riders will </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">end, with the exception of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">the Spouse’s Paid-Up </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Insurance Purchase Option </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Rider, all Cash Value will </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">be transferred to the </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fixed </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">, and your ability to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">make other policy changes </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">will be limited.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Dollar-Cost Averaging</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Dollar-Cost Averaging is a systematic method of investing which allows you to purchase shares of the Investment Division(s) at regular intervals in fixed dollar amounts so that the cost of your shares is averaged over time. The main objective of Dollar-Cost Averaging is to achieve an average cost per share that is lower than the average price per share in a fluctuating market. Because you transfer the same dollar amount to a given Investment Division with each transfer, you purchase more units in an Investment Division if the value per unit is low, and fewer units if the value per unit is high. Therefore, you may achieve a lower than average cost per unit if prices fluctuate over the long term. Similarly, for each transfer out of an Investment Division, you sell more units in an Investment Division if the value is low and fewer units if the value per unit is high. Dollar-Cost Averaging does not assure growth or protect against a loss in declining markets. Because it involves continuous investing regardless of price levels, you should consider your financial ability to continue investing during periods of low price levels. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You may not make Dollar-Cost Averaging transfers from the Fixed Account, but you can make Dollar-Cost Averaging transfers into the Fixed Account. In addition, you cannot make transfers into the DCA Accounts. Transfers out of the DCA Plus Account are subject to the DCA Plus Program and transfers out of the DCA Extension Account are subject to the DCA Extension Program (see below). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You can elect this option if your Cash Value is $2,500 or more. We will suspend this option automatically if the Cash Value is less than $2,000 on a transfer date. Once the Cash Value equals or exceeds $2,000, the Dollar-Cost Averaging transfers will resume automatically as last requested. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">To set up Dollar-Cost Averaging, you may contact us by phone on our toll-free number (1-800-598-2019) or send a completed Dollar-Cost Averaging form in Good Order to the VPSC at one of the addresses listed on the first page of the prospectus or by any other method we make available. We will make Dollar-Cost Averaging transfers on the date you specify, or if the date you specify is not a Business Day, on the next Business Day. You can specify any day of the month other than the 29th, 30th, or 31st of a month. NYLIAC must receive your Request no later than five (5) Business Days prior to the date the transfer(s) are scheduled to begin. If your Request for this option is received less than five (5) Business Days prior to the date you request it to begin, the transfer(s) will begin on the date you have specified in the month following receipt of your request in Good Order. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You may cancel the Dollar-Cost Averaging option at any time. To cancel the Dollar-Cost Averaging option, you may call us toll-free at 1-800-598-2019, or send a Request (or by any other method we make available). You may not elect Dollar-Cost Averaging if you have chosen Automatic Asset Rebalancing . However, you have the option of alternating between Dollar-Cost Averaging and Automatic Asset Rebalancing. Dollar-Cost Averaging is not available when the DCA Plus Program or DCA Extension Program is in place.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Dollar-Cost Averaging Plus Account</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The DCA Plus Program allows you to make regular periodic allocations from the DCA Plus Account into the Investment Divisions and/or Fixed Account over the twelve-month period following the Initial Premium Transfer Date. The DCA Plus Account must be elected at the time your policy is issued. It involves the automatic transfer of a specified amount from the DCA Plus Account into the Investment Divisions and/or Fixed Account according to the allocation instructions provided by you. Subsequent premium payments received during the DCA Plus Transfer Period will be allocated similarly unless you direct us otherwise. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The DCA Plus Account will credit interest at a rate, which we declare periodically, in advance, and at our sole discretion. The rate may fluctuate throughout the DCA Plus Transfer Period, but it will never be less than the GMIR. We may credit different interest rates to the DCA Accounts, the Fixed Account, and to the Loan Account. Net Premium payments to the DCA Plus Account will receive the applicable interest rate in effect on the Business Day we receive that premium payment. Interest rates for subsequent premium payments into the DCA Plus Account may be different from the rate applied to prior premium payments made into the DCA Plus Account. Interest accrues and is credited daily. Contact your registered representative for the current rate. Amounts in the DCA Plus Account only earn the DCA Plus Account interest rate while they are in the DCA Plus Account waiting to be transferred to the Investment Divisions and/or Fixed Account. Because the entire Initial Premium is not in the DCA Plus Account for the full year, the annual effective rate will not be achieved. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If you elect to participate in this program, the entire initial Net Premium, which must be a minimum of $1,000, must be allocated to the DCA Plus Account. Subsequent premiums received within 12 months following the Initial Premium Transfer Date will also be allocated to the DCA Plus Account unless you direct us otherwise. If you participate in the DCA Plus Account program, you cannot use traditional Dollar-Cost Averaging or Interest Sweep until such time that the DCA Plus Account is closed. The DCA Plus Account will close automatically 12 months following the Initial Premium Transfer Date, or such time that the balance in the DCA Plus Account on a DCA Plus Transfer Date falls below $100, whichever is sooner. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Amounts in the DCA Plus Account will be transferred to the Investment Divisions and/or Fixed Account on the monthly anniversary following the Initial Premium Transfer Date. The amount of each transfer will be calculated at the time of the transfer based on the number of remaining monthly transfers and the remaining value in the DCA Plus Account as of the date of the transfer. Transfers from the DCA Plus Account occur automatically and are based on the following formula:</span><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:66.08pt;width:389.84pt;"> <tr style="height:40.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:149.38pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Monthly Anniversary of the</span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Initial Premium Transfer Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:240.46pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Amount Transferred from the DCA Plus Account</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(as a percentage of the DCA Plus Account Value</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">as of the applicable Month)</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:149.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:240.46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">8.33%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:149.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:240.46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">9.09%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:149.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">3</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:240.46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">10.00%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:149.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">4</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:240.46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">11.11%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:149.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">5</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:240.46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">12.50%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:149.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">6</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:240.46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">14.29%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:149.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">7</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:240.46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">16.67%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:149.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">8</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:240.46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">20.00%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:149.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">9</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:240.46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">25.00%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:149.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">10</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:240.46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">33.33%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:149.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">11</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:240.46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">50.00%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:149.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">12</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:240.46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">100.00%</span></div></div></td></tr></table><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;">The entire value of the DCA Plus Account will be completely transferred to the Investment Divisions and/or Fixed Account within 12 months of the Initial Premium Transfer Date. For example, if you allocate an Initial Premium payment to the DCA Plus Account under which the 12-month term will end on December 31, 2026 and we receive a subsequent premium payment for the DCA Plus Account before December 31, 2026, we will allocate the subsequent premium payment to the same DCA Plus Account and transfer the entire value of the DCA Plus Account to the Investment Divisions and/or Fixed Account by December 31, 2026 based on the schedule shown above, even though a portion of the money was not in the DCA Plus Account for the entire 12-month period. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">You cannot make transfers into the DCA Plus Account. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Use of the DCA Plus Account does not assure growth or protect against loss in declining markets. Assets in our General Account support the DCA Plus Account. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You can cancel the DCA Plus Account at any time. To cancel the DCA Plus Account, you must send a Request. Upon receiving your cancellation Request we will transfer the entire DCA Plus Account balance to the Investment Divisions and/or Fixed Account according to the allocation instructions provided by you. DCA Plus may not be available in all jurisdictions.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Dollar-Cost Averaging Extension Account</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The DCA Extension Program is another optional feature that allows you to make regular periodic allocations from the DCA Extension Account to the Investment Divisions and/or Fixed Account. This program, however, is only available after issue and completion of the DCA Plus Program (if applicable), and only for the first 7 Policy Years (the “DCA Extension Availability Period”). If you select this feature, any single premium payment that we receive during the DCA Extension Availability Period that is a minimum of $10,000 (the “DCA Extension Eligible Premium”) will be applied to the DCA Extension Account. Beginning on the monthly anniversary of the date we receive a DCA Extension Eligible Premium, and continuing for a period of 12 months after we receive that premium, NYLIAC will make periodic transfers on your behalf from the DCA Extension Account into the Investment Divisions and/or Fixed Account in accordance with your premium allocation instructions. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The DCA Extension Account will credit interest at a rate which we declare periodically, in advance, and at our sole discretion. The rate may fluctuate throughout the DCA Extension Transfer Period, but it will never be less than the GMIR. We may credit different interest rates to the DCA Extension Account, the Fixed Account, and the Loan Account. Net Premium payments to the DCA Accounts will receive the applicable interest rate in effect on the Business Day we receive that DCA Extension Eligible Premium payment. Interest rates for </span><span style="color:#000000;font-family:Arial;font-size:10pt;">subsequent DCA Extension Eligible Premium payments may be different from the rate applied to prior DCA Extension Eligible Premium payments. Interest accrues and is credited daily. Contact your registered representative for the current rate. Amounts in the DCA Extension Account only earn the DCA Accounts interest rate while they are in the DCA Extension Account waiting to be transferred to the Investment Divisions and/or Fixed Account. Because the entire DCA Extension Eligible Premium is not in the DCA Extension Account for the full year, the annual effective rate will not be achieved. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If you elect to participate in this program, you cannot use traditional Dollar-Cost Averaging or Interest Sweep until such time that the DCA Extension Account is closed. For DCA Extension to continue as scheduled, the Cash Value in the DCA Extension Account must be at least $100. If the Cash Value falls below this minimum on a DCA Extension transfer date during the 12 month DCA Extension Transfer Period, the DCA Extension Account will close and any remaining balance will be transferred in accordance with your DCA Extension allocation instructions. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You may make a maximum of 12 DCA Extension Eligible Premium payments in a given calendar year. Each DCA Extension Eligible Premium received by us during DCA Extension Availability Period will have its own 12 month transfer schedule, based on the following formula:</span><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:83.53pt;width:354.95pt;"> <tr style="height:73.75pt;"> <td style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:173.03pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:6.94%;padding-bottom:1pt;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">The Monthly Anniversary</span></div> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">after each DCA Extension</span></div> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">Eligible Premium is received</span></div></div></div></td> <td style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:181.92pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:6.60%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">Amount Transferred from</span></div> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">the DCA Extension Account</span></div> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">per Eligible Premium Payment</span></div> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">(as a percentage of the DCA </span></div> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">Extension Account Value)</span></div></div></div></td></tr> <tr style="height:22.75pt;"> <td style="padding-bottom:3pt;padding-top:1.75pt;vertical-align:Bottom;width:173.03pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">1</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.75pt;vertical-align:Bottom;width:181.92pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">8.33%</span></div></div></td></tr> <tr style="height:21pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:173.03pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">2</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:181.92pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">9.09%</span></div></div></td></tr> <tr style="height:21pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:173.03pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">3</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:181.92pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">10.00%</span></div></div></td></tr> <tr style="height:21pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:173.03pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">4</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:181.92pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">11.11%</span></div></div></td></tr> <tr style="height:21pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:173.03pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">5</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:181.92pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">12.50%</span></div></div></td></tr> <tr style="height:21pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:173.03pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">6</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:181.92pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">14.29%</span></div></div></td></tr> <tr style="height:21pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:173.03pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">7</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:181.92pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">16.67%</span></div></div></td></tr> <tr style="height:21pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:173.03pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">8</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:181.92pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">20.00%</span></div></div></td></tr> <tr style="height:21pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:173.03pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">9</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:181.92pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">25.00%</span></div></div></td></tr> <tr style="height:21pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:173.03pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">10</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:181.92pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">33.33%</span></div></div></td></tr> <tr style="height:21pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:173.03pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">11</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:181.92pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">50.00%</span></div></div></td></tr> <tr style="height:20pt;"> <td style="padding-bottom:2.5pt;padding-top:3pt;vertical-align:Bottom;width:173.03pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">12</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:3pt;vertical-align:Bottom;width:181.92pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">100.00%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">Use of the DCA Extension Account does not assure growth or protect against loss in declining markets. Assets in our General Account support the DCA Extension Account. </span><span style="font-family:Arial;font-size:10pt;">You can cancel the DCA Extension Account at any time. To cancel the DCA Extension Account, you must send a written cancellation Request or call us toll-free at 1-800-598-2019. Upon receiving your cancellation request we will transfer the entire DCA Extension Account balance to the Investment Divisions and/or Fixed Account according to the allocation instructions provided by you. The DCA Extension Program may not be available in all jurisdictions. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The DCA Extension Program is not available while the DCA Plus Program is in effect.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Automatic Asset Rebalancing (AAR) </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If you choose this option, we will rebalance your assets automatically on a schedule you select among the Investment Divisions to maintain a predetermined percentage invested in the Investment Division(s) you have selected. For example, you could specify that 50% of the amount you have in the Investment Divisions of the Separate Account be allocated to one Investment Division, while the other 50% be allocated to another Investment Division. Over time, however, performance variations in each of these Investment Divisions would cause this balance to shift. With the Automatic Asset Rebalancing (AAR) option, we will rebalance the amount you have in the Separate Account among the Investment Divisions you have selected so that they are invested in the percentages you specify. Values in the Fixed Investment Options are excluded from AAR.  </span><span style="color:#000000;font-family:Arial;font-size:10pt;">We will make AAR transfers either quarterly, semi-annually or annually (but not monthly), based on your Policy Anniversary Date. If your Policy Anniversary Date is on the 29th, 30th or 31st of a month, the rebalancing transfer will occur on the 28th of the month. Your AAR will be cancelled if a premium allocation change or fund transfer is submitted on your behalf and the AAR is not also modified at the time to be consistent with your fund transfer and premium allocation changes. To process AAR transfers, or to modify an existing AAR, you may call us toll-free at 1-800-598-2019, or send a completed AAR form in Good Order to the VPSC at one of the addresses listed on the first page of the prospectus (or by any other method we make available). NYLIAC must receive the request in writing no later than five (5) Business Days prior to the date the transfer(s) are scheduled to begin. If your request for this option is received less than five (5) Business Days prior to the date you request it to begin, the transfer(s) will begin on the date you have specified in the month following receipt of your request. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You can elect this option if your Separate Account Value is $2,500 or more. We will suspend this option automatically if the Separate Account Value is less than $2,000 on a rebalancing date. Once the Separate Account Value equals or exceeds this amount, AAR will resume automatically as scheduled. There is no minimum amount that you must allocate among Investment Divisions for this option. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You can cancel or modify the AAR option at any time. To cancel the AAR option, you may call us at 1-800-598-2019 or send a cancellation Request. You cannot elect AAR if you have chosen Dollar-Cost Averaging. However, you have the option of alternating between the two options. AAR is available when the DCA Plus and DCA Extension Programs are in place but funds in the DCA Accounts are not eligible for AAR.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Interest Sweep</span><span style="color:#000000;font-family:Arial;font-size:10pt;">You can instruct us to periodically transfer the interest credited to the Fixed Account to the Investment Division(s) you specify. You can elect this option as long as the amount in the Fixed Account is at least $2,500. We will make all Interest Sweep transfers on the date you specify or, if the date you specify is not a Business Day, on the next Business Day. You can specify any day of the month to make these automatic transfers, other than the 29th, 30th, or 31st of the month. We will not process an Interest Sweep transfer unless you contact us on our toll-free number (1-800-598-2019) or send a Request. NYLIAC must receive the request no later than five (5) Business Days prior to the date the transfer(s) are scheduled to begin. If your request for this option is received less than five (5) Business Days prior to the date you request it to begin, the transfer(s) will begin on the date you have specified in the month following receipt of your request. </span><span style="font-family:Arial;font-size:10pt;">You cannot choose the Interest Sweep option if you have instructed us to pay any part of your policy charges from the Fixed Account. If you want to elect the Interest Sweep option and you want to allocate your charges, you must allocate your charges to the NYLIM VP U.S. Government Money Market Investment Division. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You can request Interest Sweep in addition to either the Dollar-Cost Averaging or Automatic Asset Rebalancing option. If an Interest Sweep transfer is scheduled for the same day as a Dollar-Cost Averaging or Automatic Asset Rebalancing transfer, we will process the Interest Sweep transfer first. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If an Interest Sweep transfer would cause more than the greater of (i) $5,000 or (ii) 20% of the amount you have in the Fixed Account at the beginning of the Policy Year to be transferred from the Fixed Account, we will not process the transfer and we will suspend the Interest Sweep option. If the amount you have in the Fixed Account is less than $2,000, we will automatically suspend this option. Once the amount you have in the Fixed Account equals or exceeds $2,000, the Interest Sweep option will resume automatically as scheduled. You can cancel the Interest Sweep option at any time. To cancel the Interest Sweep option, you may contact us at our toll-free number (1-800-598-2019) or send a cancellation Request. Interest Sweep is not available when the DCA Plus or DCA Extension Program is in place. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Expense Allocation Option</span><span style="font-family:Arial;font-size:10pt;">At any time, you can choose how to allocate certain Monthly Deduction Charges from your Cash Value. (See “Charges Associated with the Policy—Deductions from Cash Value” for details.) Expense Allocation is only available from the Fixed Account or the NYLIM VP U.S. Government Money Market Investment Division.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Premium Deposit Account (“PDA</span><span style="color:#000000;font-family:Arial;font-size:10pt;">”) </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A Premium Deposit Account (“PDA”) is an optional feature you can use to fund planned premiums into your policy. You may fund from 1 to 14 years of annual planned premiums or 11 to 179 monthly planned premiums through the PDA. You may elect this option by entering into a PDA Agreement with NYLIAC and/or through the election of a PDA Rider, subject to jurisdictional requirements. See “State Variations and Rider Availability” for information on how the PDA is available and other state specific variations. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Under the PDA Agreement, after paying your Initial Premium Payment directly into the policy, you can make a lump sum deposit into an interest-bearing PDA. The deposit and interest earned on the amount in the PDA will be used to automatically pay subsequent planned premiums into your policy, either on a monthly or annual basis. Once the annual or monthly mode is selected it cannot be changed for the term of the PDA. Interest will be credited daily on the funds remaining in the PDA at an annual rate(s)-effective on the date of the PDA and will not change for the term of the PDA. If you lower your planned premiums, we will pay the new lowered planned premiums from the PDA and return the difference remaining in the PDA to you (subject to any applicable withdrawal fee). There may be tax withholding amounts that may also reduce the amount remaining the PDA. If you increase your planned premiums, we will pay the new increased planned premium from the PDA and we will notify you of any shortfall. Upon election of the PDA, you will receive a notice with the planned premium schedule and the interest rate applicable to your PDA. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Withdrawals are permitted from the PDA and may be subject to a withdrawal fee. The withdrawal fee may change but will never exceed 10% of the withdrawal. Generally, there are two types of withdrawals permitted from the PDA (see “State Variations and Rider Availability” for state specific variations): </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">One-Time Withdrawal - During the first 3 Policy Years after you make the deposit to the PDA, you may make a one-time withdrawal that is equal to the lesser of: (a) 10% of the amount in the PDA; or (b) $25,000. We must receive a signed notice from you electing to make this one-time withdrawal no later than 31 days before the policy’s third policy anniversary. A withdrawal fee will not be deducted from a One-Time Withdrawal. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">A Full Cash Withdrawal - In most jurisdictions, a full cash withdrawal of the remaining PDA balance is permitted at any time and is generally subject to a withdrawal fee that will never exceed 10%. However, a full cash withdrawal will not incur a withdrawal fee in the following cases: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The policy is canceled in accordance with the Free Look provision. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The date the policy ends due to death of the Insured. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">When benefits are paid under the Living Benefits Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The PDA Agreement and/or Rider will end, and we will pay you the entire amount in the PDA, if any, on the earliest of the following to occur: the date the policy ends, the date of a full cash withdrawal of the PDA (less any applicable withdrawal fee) or when there are no funds remaining in the PDA. After the PDA ends, any additional premium payments must be made by another method for paying premiums discussed in this prospectus. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The deposit into the PDA is not a premium payment and the PDA has no cash value or loan value under the policy. The PDA is not registered under the 1933 Act or as an investment company under the 1940 Act and is part of our General Account. As such, amounts allocated to the PDA do not have the benefits and protections of these statutes and are subject to our financial strength and claims paying ability and the claims of our general creditors. Use of the PDA does not guarantee the policy will not lapse and even if you pay all your planned premiums, additional premiums may be needed to keep the policy in force. The deposit into the PDA does not affect the Surrender Charge Schedule. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any interest earned on the PDA will be taxable and, subject to applicable requirements, will be reported to you and the IRS on a Form 1099-INT. As the deposit into the PDA is not a premium payment, it will not be used in determining whether the policy is a Modified Endowment Contract, but planned premiums paid out of the PDA will be used for this purpose.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;">Example:</span><span style="font-family:Arial;font-size:10pt;"> The following illustrates how the PDA can be used with the policy. A policyowner makes an Initial Premium payment of $10,000 into the policy and wants to open a PDA to fund 6 future annual Planned Premium payments of $10,000 each. Assuming a hypothetical interest rate of 5.25%, the policyowner would make a lump sum deposit of $50,353.64 to fund the PDA. The following chart depicts the planned premiums made into the policy and how the interest earned on the PDA contributes to those premium payments.</span><span style="font-family:Arial;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:62.28pt;width:397.44pt;"> <tr style="height:29.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:58.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:102pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">PDA</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Beginning Balance</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:60pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Interest</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Earned</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.44pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Annual Premium</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">paid from PDA</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">PDA</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Ending Balance</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:58.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:102pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$50,353.64</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:60pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$2,643.57</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.44pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">-$10,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:85.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$42,997.21</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:58.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:102pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$42,997.21</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:60pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$2,257.35</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.44pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">-$10,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:85.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$35,254.56</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:58.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">3</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:102pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$35,254.56</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:60pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$1,850.86</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.44pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">-$10,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:85.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$27,105.42</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:58.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">4</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:102pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$27,105.42</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:60pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$1,423.03</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.44pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">-$10,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:85.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$18,528.45</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:58.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">5</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:102pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$18,528.45</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:60pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$972.74</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.44pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">-$10,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:85.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$9,501.19</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:58.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">6</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:102pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$9,501.19</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:60pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$498.81</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:91.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">-$10,000</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:85.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$0</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Living Benefits Rider (filed as Accelerated Benefits Rider):</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> Under this rider, if the insured has a life expectancy of twelve months or less, you may request a portion or all of the Life Insurance Benefit Proceeds as an accelerated death benefit. You must elect this rider to have it included in your policy. This election can be made at any time. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You can cancel this rider at any time by sending us a Request. This rider will end on the date we receive your Request. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You may elect to receive an accelerated death benefit of 25%, 50%, 75%, or 100% of certain eligible proceeds from your Life Insurance Benefit Proceeds. We will pay you an amount equal to:</span><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:2.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;vertical-align:Middle;width:69.89pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;vertical-align:Middle;width:22.97pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;vertical-align:Middle;width:60.75pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;vertical-align:Middle;width:22.97pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;vertical-align:Middle;width:82.86pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;vertical-align:Middle;width:26.3pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;vertical-align:Middle;width:89.53pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;vertical-align:Middle;width:26.3pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;vertical-align:Middle;width:120.44pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:8pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span></div></div></td></tr> <tr style="height:28.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:2.75pt;vertical-align:Middle;width:69.89pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Elected</span></div> <div style="margin-left:8pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">percentage</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.75pt;vertical-align:Middle;width:22.97pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">X</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:2.75pt;vertical-align:Middle;width:60.75pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Eligible</span></div> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">proceeds</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.75pt;vertical-align:Middle;width:22.97pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">X</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:2.75pt;vertical-align:Middle;width:82.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Interest factor</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.75pt;vertical-align:Middle;width:26.3pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">—</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:2.75pt;vertical-align:Middle;width:89.53pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Administrative</span></div> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">fee (up to $150)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.75pt;vertical-align:Middle;width:26.3pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">—</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:2.75pt;vertical-align:Middle;width:120.44pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:8pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Elected percentage of</span></div> <div style="margin-left:7.9pt;margin-right:8pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">an unpaid policy loan</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">Minimum accelerated benefit amount: $25,000. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Maximum accelerated benefit amount: $250,000 (total for all of your NYLIAC and affiliated companies’ policies). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If you accelerate less than 100% of the eligible proceeds, the remaining Face Amount of your policy after we pay this benefit must be at least $50,000. We do not permit any subsequent acceleration. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">When we make a payment under this rider, we will reduce your policy’s Face Amount, applicable rider death benefits, monthly deductions, Cash Value, and any unpaid policy loan based on the percentage you elected. We will deduct an administrative fee of $150 at the time you exercise the rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Amounts received under this rider generally will be excludable from your gross income under IRC Section 101 (g). The exclusion from gross income will not apply, however, if you are not the insured and if you do not have an insurable interest in the life of the insured either because the insured is your director, officer, or employee, or because the insured has a financial interest in a business of yours. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">In some cases, there may be a question as to whether a life insurance policy that has an accelerated living benefit rider can meet certain technical aspects of the definition of a “life insurance contract” under the IRC. We reserve the right (but we are not obligated) to modify the rider to conform to any requirements the IRS may enact.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Example:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> The following illustrates the benefit available under the Living Benefits Rider, assuming: (1) an Elected Accelerated Benefit of 100% and 50%, respectively; (2) Eligible Proceeds and Face Amount of $250,000; (3) an Interest Factor of 0.9434; (4) an Administrative Fee of $150; and an (5) Outstanding Loan of $5,000:</span><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:51.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:70.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Elected </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Percentage</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Eligible Proceeds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Interest Factor</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Administrative </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Elected </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Percentage x </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Outstanding </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Loan</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Total Accelerated </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Benefit Available</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">((1)x(2)x(3)) - (4) - </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">((1)x(5))</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:70.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">100%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$250,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">0.9434</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$150</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$5,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$230,700</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:70.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">50%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$250,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">0.9434</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$150</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$2,500</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$115,275</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Spouse’s Paid-Up Insurance Purchase Option Rider:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> This rider allows a spouse who is the beneficiary under the policy to purchase a new paid-up whole life insurance policy on his or her own life without evidence of insurability when the insured dies. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The maximum Face Amount of the spouse’s new paid-up whole life policy is the lesser of: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the maximum amount of the Life Insurance Benefit Proceeds payable under this policy (before any unpaid loan is deducted); or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">$5,000,000. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the insured’s spouse dies at the same time as the insured or within 30 days after the insured’s death and does not exercise the option under this rider, we will pay a benefit to the spouse’s estate equal to the maximum amount of insurance coverage that could have been purchased under this rider, minus the premium payment that would have been required for that insurance (cannot exceed a maximum of $2,500,000). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If a third party (including a trust) is the policyowner and beneficiary under the policy, that third party can also exercise the option and purchase a paid-up whole life policy on the life of the spouse. The policyowner must have an insurable interest in the life of the spouse and the spouse must consent to the issuance of the new insurance in writing.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Example:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> The following illustrates the benefit available under the Spouse’s Paid-Up Insurance Purchase Option Rider, assuming Policy Proceeds and Face Amount of $1,000,000 and a request by a Representative Spouse (Male, Age 70, Standard rating) for a new paid-up whole life insurance policy of $100,000 and $500,000 with a Net Single Premium per thousand (NSP) of $772.86:</span><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:40.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:160.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Policy Proceeds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Requested </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Paid-Up </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Insurance Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">NSP for Paid-Up </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Insurance</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Policy Premium </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">for Paid-Up </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Insurance</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Net Policy </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Proceeds</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:160.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,000,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$100,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$772.86</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$77,286</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$1,000,000 - </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$77,286 = </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$922,714</span></div></div></td></tr> <tr style="height:38.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:160.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,000,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$500,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$772.86</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$386,430</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$1,000,000 - </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$386,430 = </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$613,570</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Insurance Exchange Rider: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This rider allows you to exchange the policy for a new NYLIAC variable universal life policy issued on a new insured using the cash values from your original policy. This rider is included in the policy at no additional cost. This rider may only be exercised once under the Policy. To exercise this rider, you must send a completed Insurance Exchange Rider form in Good Order to the VPSC at one of the addresses listed on the first page of this prospectus (or any other address we indicate to you in writing). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">When an exchange is made to a new policy the Cash Value of your policy will be transferred to the new policy and become the Cash Value for the new policy. However, the Cash Surrender Value under the new policy may be different since surrender charges will be based on the new insured’s age and gender. The maximum Face </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Amount of the new policy is the lesser of the Face Amount of the original policy on the Policy Date or the Face Amount of the original policy on the date of the exchange. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Before we can issue the new policy, you must provide us with evidence of insurability on the new insured (which may require full medical underwriting) and have an insurable interest in the new insured. The Policy Date and the Issue Date of the new policy will be the date on which the policy is exchanged. The new cost of insurance rates, premium payments and charges will be based on the new insured’s age, gender, and class of risk at the time the exchange occurs. However, surrender charges on the new policy will be measured from the Policy Date of the original policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Under certain circumstances, you may be required to make a conditional premium payment into the new policy to exercise the exchange rider: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Cash Surrender Value of the new policy will exceed the Cash Surrender Value of the original policy, then a payment equal to 103% of the difference between these two values will be required.</span><span style="font-family:Arial;font-size:10pt;">(2)</span><span style="font-family:Arial;font-size:10pt;">If the Cash Surrender Value of the new policy after the exchange would be zero or less than zero, then a payment in an amount sufficient to keep the new policy in effect for two months following the date of exchange will be required. This payments will be treated as a premium payment into the new policy and will be subject to the charges and conditions applicable to premiums in the new policy. If the conditions specified above are not present at the time the rider is exercised the conditional premium payment will not be required. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The IRS has ruled that an exchange of policies pursuant to this type of rider does not qualify as a tax-deferred exchange under IRC Section 1035. Accordingly, the exercise of your rights under this rider will result in a taxable event. You will be required to include in gross income an amount equal to the gain in the policy. The exercise of your rights under this rider also may result in the new policy’s classification as a modified endowment contract, as discussed in the prospectus. You should consult your tax adviser about the potential adverse tax consequences of exercising your rights under this rider.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Example:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> If an original policy, purchased on a Representative Insured (Male, 40, Premier issue) with a Cash Value of $157,431.84 and Face Amount of $250,000, is exchanged at Policy Year 11 (outside the Surrender Charge Period) for a Policy with the same Cash Value and Face Amount on an Insured (Female 50, Quality), the exchange would result in a decrease in Monthly Deduction Charges. As with the original policy, the policy resulting from the exchange would not be subject to surrender charges.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Overloan Protection Rider:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> Subject to state availability, your policy will include the Overloan Protection Rider. When activated, the Overloan Protection Rider guarantees that your policy will not lapse even if: (1) the policy’s Cash Surrender Value is insufficient to cover the current Monthly Deduction Charges or (2) the policy’s outstanding loans plus accrued loan interest exceed its Cash Value. To activate the Overloan Protection Rider you must provide us with a Request. A one-time charge will be deducted from the policy’s Cash Value on the activation date. There is no charge if the Rider is never activated. In addition, the following conditions must be met upon receipt of your Request: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The policy must be in effect for at least 15 years. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The insured must be at least age 75. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any outstanding loan plus accrued loan interest exceeds the Face Amount of the policy in effect at the time of activation. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any outstanding loan plus accrued loan interest must be less than 99% of the policy Cash Value after the deduction of any surrender charges and the one-time rider charge. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Activation of the rider cannot cause the policy to violate IRC Section 7702 at any duration. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Cumulative partial surrenders taken must be no less than the total premiums paid under the policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The policy is not a modified endowment contract (MEC) and would not become a MEC upon activation of the rider. (For a discussion of these rules, see “Federal Income Tax Considerations—Modified Endowment Contract Status”). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">For purposes of this rider, the Life Insurance Benefit under the Policy is referred to as Life Insurance Benefit Option 1. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Once the policy meets the conditions outlined above, we will mail a notice to you at your last known address to notify you that the Overloan Protection Rider can be activated. The Overloan Protection Rider will be effective on the Monthly Deduction Day following the day we receive your Request to activate, provided that the policy still meets the conditions for rider activation. Once in effect, the Overloan Protection Rider will prevent your policy from ending. The following changes to your policy will take effect. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Face Amount of the policy will be changed to 101% of the policy’s Cash Value (the “OLP Face Amount”). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The policy’s Life Insurance Proceeds will be the greater of: A or (B x C) where: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A =The OLP Face Amount calculated at rider activation; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">B =the greater of: (i) the policy’s Cash Value, or (ii) any outstanding loans plus accrued loan interest; and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">C = the greater of 101% or the minimum percentage necessary for the policy to qualify as life insurance under IRC Section 7702. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any Cash Value under the policy that is not invested in the Fixed Account will be transferred to the Fixed Account. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any riders, except the Overloan Protection Rider and the Spouse’s Paid-Up Insurance Purchase Option Rider, will end. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No further policy changes, premium payments, transfers, partial surrenders, or full surrenders will be allowed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No additional loans (except those resulting from unpaid loan interest) or loan repayments will be permitted. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Loan interest will continue to accrue. If not paid when due, the interest will become part of any outstanding loan and will also accrue interest. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No further Monthly Deduction Charges will be taken. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This policy may be purchased with the intention of accumulating cash value on a tax-free basis over some period (such as retirement) and relying on the Overloan Protection Rider to periodically borrow from the Policy without allowing the Policy to lapse. Anyone contemplating the purchase of the Policy with the intention of pursuing this strategy or otherwise exercising the “overloan protection” provided under the Overloan Protection Rider should be aware that, among other risks, it has not been ruled on by the IRS or the courts and it may be subject to challenge by the IRS, since it is possible that the loans will be treated as taxable distributions when the Overloan Protection Rider is activated. For this reason, you should consider very carefully, after consultation with your tax advisor, whether to exercise the Overloan Protection Rider.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Example</span><span style="color:#000000;font-family:Arial;font-size:10pt;">:For a Policy with the following policy values at Attained Age 90:</span><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:74.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:146.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Face Amount (FA)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:71pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Life </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Insurance</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:56pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Separate </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Account </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(SAV)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:56pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Fixed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Account </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(FAV)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:56pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Cash </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(CV)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(SAV + </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">FAV)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:68pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Outstanding </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Loans (plus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Accrued </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Loan </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Interest)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(L)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:68.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Cash </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Surrender </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value (CV - </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">L)*</span></div></div></td></tr> <tr style="height:15.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:146.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$1,000,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:71pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,378,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:56pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,200,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:56pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$100,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:56pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,300,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:68pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,000,500</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:68.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$299,500 </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The activation of the rider will result in: (1) the assessment of a one-time Overloan Protection Rider Fee of $45,500 </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3.5% of the Cash Value of $1,300,000)—a fee that will vary based on Attained Age and deducted from the Cash Value and (2) the following changes to the policy:</span><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:63.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:146.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Face Amount</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:71pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Life </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Insurance </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:56pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Separate </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Account </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(SAV)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:56pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Fixed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Account </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(FAV)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:56pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Cash </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(CV)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(SAV + </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">FAV)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:68pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Outstanding </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Loans (plus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Accrued </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Loan </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Interest) (L)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:68.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Cash </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Surrender </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value (CV - </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">L)*</span></div></div></td></tr> <tr style="height:15.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:146.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$1,267,045</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:71pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,329,770</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:56pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$0</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:56pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,254,500</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:56pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,254,500</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:68pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,000,500</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:68.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$254,000</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The activation of the rider increases the Face Amount by making it 101% of the Cash Value –calculated as the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">greater of the Face Amount ($1,267,045) or the policy’s Cash Value, multiplied by the minimum percentage necessary for the policy to qualify as life insurance under IRC Section 7702 ($1,254,500 x 1.06) or $1,329,770. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">*No surrender charges apply.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Age 121 Policy Anniversary</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Beginning on the policy anniversary on which the insured is age 121, the Life Insurance Benefit will remain in force </span><span style="color:#000000;font-family:Arial;font-size:10pt;">for all subsequent years, but the following limitations will apply: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No further Planned or Unplanned Premiums will be allowed, except as needed to keep your policy from lapsing. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No Face Amount decreases will be permitted. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(c)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Other than the Mortality and Expense Risk Charge, no further monthly deductions will be made from your Cash Value. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(d)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Your Cash Value will continue to be invested in the Investment Options chosen by the policyowner. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(e)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Transfers among the Investment Options will continue to be allowed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(f)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Partial surrenders and loan repayments will continue to be allowed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(g)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">New policy loans may be requested and loan interest will continue to accrue on any new and existing loans at the current Loan Interest Rate. However, if the amount of any unpaid loans (including any accrued loan interest) is greater than the Cash Value of your policy minus surrender charges, your policy could lapse. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(h)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any other riders attached to your policy will end, unless stated otherwise in the rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Please consult your tax advisor regarding the tax implications of these options. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If your policy is still in effect when the insured dies, we will pay the Life Insurance Proceeds to the beneficiary.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Tax-Free “Section 1035” Insurance Policy Exchanges</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Generally, you can exchange one life insurance policy for another in a “tax-free exchange” under IRC Section 1035. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Before making an exchange, you should compare both policies carefully. Remember that if you exchange another policy for the one described in this prospectus, you might have to pay a surrender charge on your old policy. Also, some charges may be higher (or lower), and the benefits may be different. If the exchange does not qualify for IRC Section 1035 treatment, you may have to pay federal income and penalty taxes on the exchange. You should not exchange another policy for this one unless you determine, after knowing all of the facts, that the exchange is in your best interest. New York Life may accept standard electronic instructions from another insurance carrier for the purposes of effecting an IRC Section 1035 exchange. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Because the final surrender value of your existing policy will be calculated once the new life insurance policy has </span><span style="color:#000000;font-family:Arial;font-size:10pt;">been approved for issuance, this final surrender value may be impacted by increases or decreases in policy values that result from market fluctuations during the period between submission of the exchange request and actual processing. The final surrender value may be calculated several Business Days after we receive your exchange </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Request. Please consult your current insurer for options to potentially mitigate market exposure during this period. In addition, as we will not issue the new policy until we have received an Initial Premium from your existing insurance company, the issuance of the policy in an exchange could be delayed. The ACSV is not available for IRC Section 1035 exchanges to another life insurance policy. If you chose to exchange another life insurance policy for this one in a "tax-free exchange" under IRC Section 1035, funds resulting from the exchange will not count toward the Initial Premium required under this policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">24-Month Exchange Privilege</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Within the first 24 months after the Issue Date of your policy, if you decide that you do not want to own a variable </span><span style="color:#000000;font-family:Arial;font-size:10pt;">policy, you may exchange it for a new policy on the life of the Insured without evidence of insurability and without a Surrender Charge deduction. </span><span style="font-family:Arial;font-size:10pt;margin-left:12pt;">The new policy will be on a permanent plan of life insurance, which we were offering for this purpose on the Issue </span><span style="font-family:Arial;font-size:10pt;">Date of this VUL Policy. The new policy will have a face amount equal to the initial Face Amount of this Policy. It will be based on the same Policy Date, Insured's class of risk, gender, and Issue Age as this Policy, but will not offer variable investment options such as the Investment Divisions. The new policy will have the same provisions and be subject to the same limitations as are in the series of permanent plan life insurance policies being issued by us on that date. All riders attached to this Policy will end on the date of exchange, unless we agree otherwise. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">To exchange your policy: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">your policy must be in force on the date of the exchange; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">you must repay any unpaid loan (including any accrued loan interest); and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">you must submit a Request. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">We will process your request for an exchange on the later of: (1) the Business Day on which we receive your </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Request along with your policy, or (2) the Business Day on which we receive the necessary loan payment for your exchange in Good Order at the VPSC at one of the addresses listed on the first page of this prospectus (or any other address we indicate to you in writing). The policy exchange will be effective on the later of these two dates. The amount applied to your new policy will be the policy’s Cash Value plus a refund of all Cost of Insurance Charges, Administrative  Charges, Premium Expense Charges and any rider charges taken as of the date of the exchange. We will not refund Mortality and Expense Risk Charges, or Contract Charges. Because policy values may increase or decrease due to market fluctuations during the period between submission of the exchange request and actual processing, the Cash Value applied to your new policy may be impacted. Please consult your registered representative for options to potentially mitigate market exposure during the time it will take to process the exchange. We will require you to make any adjustment to the premiums and Cash Value of your variable policy and the new policy, if necessary. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">When you exchange your policy, all riders and benefits for that policy will end, unless otherwise required by law. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Requests received after 4:00 pm (Eastern Time) on a Business Day, or on a non-Business Day, will be processed as of the next Business Day.</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Purpose</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Is this Benefit</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Standard or Optional?</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:341pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Dollar-Cost </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Averaging</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Dollar-Cost Averaging is a </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">systematic method of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">investing that allows you to </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">purchase shares of the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Divisions at </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">regular intervals in fixed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">dollar amounts so that the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">cost of your shares is </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">averaged over time.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Dollar-Cost Averaging does </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">not assure growth or </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">protect against a loss in </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">declining markets.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You may not make </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Dollar-Cost Averaging </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">transfers from the Fixed </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account, but you can make </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Dollar-Cost Averaging </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">transfers into the Fixed </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Your cash value must be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">$2,500 or more to elect </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Dollar-Cost Averaging and </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">it will be automatically </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">suspended if the Cash </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Value is less than $2,000 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">on a transfer date.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You may not elect </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Dollar-Cost Averaging if </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">you have chosen </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Automatic Asset </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Rebalancing.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">This option is not available </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">with the Dollar-Cost </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Averaging Plus Account or </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Dollar-Cost Averaging </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Extension Account.</span></div></div></td></tr> <tr style="height:134.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Dollar-Cost </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Averaging Plus </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Account</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The DCA Plus Program </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">allows you to make regular </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">periodic allocations from the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">DCA Plus Account into the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Divisions and/or </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fixed Account over the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">twelve-month period </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">following the Initial Premium </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Transfer Date. The DCA Plus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Account will credit interest to </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the amount in the account at</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Optional</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Use of the DCA Plus </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account does not assure </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">growth or protect against </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">loss in declining markets.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The DCA Plus Account </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">must be elected at the time </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">your policy is issued.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Because the entire initial </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Premium is not in the DCA </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Plus Account for the full </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">year, the annual effective </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Purpose</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Is this Benefit</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Standard or Optional?</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:269pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">a rate, which we declare </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">periodically, in advance, and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">at our sole discretion, but the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">rate will never be less than </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the GMIR.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">rate will not be achieved.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The entire initial Net </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Premium, which must be a </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">minimum of $1,000, must </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">be allocated to the DCA </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Plus Account.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You cannot use traditional </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Dollar-Cost Averaging or </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Interest Sweep until such </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">time that the DCA Plus </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account is closed.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The DCA Plus Account will </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">close automatically 12 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">months following the Initial </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Premium Transfer Date, or </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">such time that the balance </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">in the DCA Plus Account </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">on a DCA Plus Transfer </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Date falls below $100, </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">whichever is sooner.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You cannot make transfers </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">into the DCA Plus Account.</span></div></div></td></tr> <tr style="height:317pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Dollar-Cost </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Averaging </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Extension Account</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">After the completion of the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">DCA Plus Program, the DCA </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Extension Program allows </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">you to make regular periodic </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">allocations from the DCA </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Extension Account to the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Divisions and/or </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fixed Account when a single </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">premium payment of at least </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$10,000 is made. The DCA </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Extension Account will credit </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">interest to the amount in the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">account at a rate, which we </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">declare periodically, in </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">advance, and at our sole </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">discretion, but the rate will </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">never be less than the GMIR.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Use of the DCA Extension </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Program does not assure </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">growth or protect against </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">loss in declining markets.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Only available after the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">completion of the DCA </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Plus Program and in the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">first 7 Policy Years.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Because the entire initial </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Premium is not in the DCA </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Extension Account for the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">full year, the annual </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">effective rate will not be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">achieved.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You cannot use traditional </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Dollar-Cost Averaging or </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Interest Sweep until such </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">time that the DCA </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Extension Account is </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">closed.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The cash value in the DCA </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Extension Account must be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">at least $100 for the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">program to continue.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You cannot make transfers </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">into this account.</span></div></div></td></tr> <tr style="height:38.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Automatic Asset </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Rebalancing</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Automatically rebalances the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">amount you have in the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Separate Account on a</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Optional</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Your Separate Account </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Value must be at least </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">$2,500 to elect this option. </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Purpose</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Is this Benefit</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Standard or Optional?</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:149pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">schedule you select among </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Investment Divisions to </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">maintain a predetermined </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">percentage invested in the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Division(s) you </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">have selected.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">We will suspend this option </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">automatically if the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Separate Account Value is </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">less than $2,000 on a </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">rebalancing date.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">You may not elect </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Automatic Asset </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Rebalancing if you have </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">chosen Dollar-Cost </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Averaging or any of the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Dollar-Cost Averaging </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Accounts.</span></div></div></td></tr> <tr style="height:401pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Interest Sweep</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Automatically transfers </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">interest earned on the Fixed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Account to one or any </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">combination of Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Divisions.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">The value in the Fixed </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account must be at least </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">$2,500 to elect this option </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">and it will be automatically </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">suspended if the amount in </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">the Fixed Account falls </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">below $2,000.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">You cannot use this option </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">if you have instructed us to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">pay any part of your policy </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">charges from the Fixed </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">If you want to use this </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">option and allocate your </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">charges, your charges </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">must be allocated to the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">NYLIM VP U.S. </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Government Money Market </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Investment Division.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">An Interest Sweep transfer </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">cannot cause more than </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">the greater of (i) $5,000 or </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">(ii) 20% of the amount you </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">have in the Fixed Account </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">at the beginning of the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Policy Year to be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">transferred from the Fixed </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">This option is not available </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">with the Dollar-Cost </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Averaging Plus Account or </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Dollar-Cost Averaging </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Extension Account.</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expense Allocation </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Option</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">You can choose how to </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">allocate certain Monthly </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Deduction Changes from </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">your Cash Value.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Expense Allocation is only </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">available from the Fixed </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account or the NYLIM VP </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">U.S. Government Money </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Market Investment Division.</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Premium Deposit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Allows you to fund up to 14</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Optional</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Subject to jurisdictional </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Purpose</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Is this Benefit</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Standard or Optional?</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:401pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Account (“PDA”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">annual Planned Premiums or </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">179 monthly Planned </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Premiums through a lump </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">sum deposit into an </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">interest-bearing PDA. The </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">amount in the PDA earns </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">interest at a rate effective on </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the date the PDA is opened </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">and that will not change for </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the duration of the PDA.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">requirements, the PDA may </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">be available to you through </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">an agreement and/or rider. </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">See “State Variations and </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Rider Availability” for more </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">information.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The amount you may fund </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">into the PDA may be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">limited by the terms of the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">PDA Agreement and/or </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Rider.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You may only make one </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">lump sum deposit into the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">PDA.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Use of the PDA does not </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">guarantee that the policy </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">will not lapse.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">There may be limits on </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">withdrawals from the PDA </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">and a withdrawal fee may </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">apply.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Planned Premium mode </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">must be monthly or annual </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">and cannot be changed </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">during the duration of the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">PDA.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The Initial Premium must </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">be paid outside of the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">PDA.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The PDA can only be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">elected within 45 days after </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the Initial Premium is paid </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">into the policy.</span></div></div></td></tr> <tr style="height:185pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No Lapse </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Guarantee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">This ensures that your policy </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">will remain in effect during </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Guarantee Period, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">provided that your policy </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">premium payments satisfy </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the No Lapse Guarantee </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Premium Test on each </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Monthly Deduction Day. This </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">benefit prevents your policy </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">from lapsing during the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Guarantee Period even if the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cash Surrender Value is </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">insufficient to cover the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Monthly Deduction Charges </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">on a Monthly Deduction Day.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The duration of the No </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Lapse Guarantee is 10 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">years.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The No Lapse Guarantee </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">will become inactive before </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the end of the Guarantee </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Period if, on any Monthly </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Deduction Day, your </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">premium payments do not </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">pass the No Lapse </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Guarantee Premium Test.</span></div></div></td></tr> <tr style="height:38.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Living Benefits </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Rider (filed as the </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Accelerated</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Advances a portion of the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Life Insurance Benefit </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Proceeds upon Insured</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Optional</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Minimum accelerated </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">benefit amount is $25,000.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Maximum accelerated </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Purpose</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Is this Benefit</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Standard or Optional?</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:173pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefits Rider)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">having a life expectancy of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">12 months or less.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">benefit amount is $250,000 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">(total for all </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIAC and </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">affiliated companies’ </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">policies).</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">A payment under this rider </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">will reduce your policy’s </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Face Amount</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">, rider death </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">benefits, monthly </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">deductions, </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cash Value, </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">and any unpaid policy loan.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">There is a $150 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">administrative fee to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">exercise the rider.</span></div></div></td></tr> <tr style="height:125pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Spouse’s Paid-Up </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Insurance Purchase </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Option Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Allows a spouse who is the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">beneficiary under the policy </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">to purchase a new paid-up </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">whole life insurance policy on </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">his or her own life without </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">evidence of insurability when </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the insured dies.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">The maximum Face </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Amount of the spouse’s </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">new paid-up whole life </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">policy is the lesser of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">(1) the maximum amount </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">of the Life Insurance </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Benefits Proceeds (before </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">any unpaid loan is </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">deducted), or (2) </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">$5,000,000.</span></div></div></td></tr> <tr style="height:161pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Insurance </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Exchange Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">This rider allows you to </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">exchange the policy for a </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">new NYLIAC variable </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">universal life policy issued on </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">a new insured using the cash </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">values from your original </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">You must provide evidence </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">of insurability on the new </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">insured and have an </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">insurable interest in the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">new insured.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">You may be required to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">make a conditional </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">premium payment to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">exercise this rider.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Exercising this rider will </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">have tax consequences.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">This rider may be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">exercised only once.</span></div></div></td></tr> <tr style="height:170.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Overloan Protection </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">When activated, the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Overloan Protection Rider </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">guarantees that your policy </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">will not lapse even if: (1) the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy’s Cash Surrender </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Value is insufficient to cover </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the current Monthly </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Deduction Charges or (2) the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy’s outstanding loans </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">plus accrued loan interest </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">exceed its Cash Value.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Standard</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">To activate this rider, the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">following conditions must be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">met:</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">The policy must be in effect </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">for at least 15 years.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">The insured must be at </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">least age 75.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Any outstanding loan plus </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">accrued loan interest </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">exceeds the Face Amount </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">of the policy in effect at the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">time of activation.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Any outstanding loan plus </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">accrued loan interest must </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Purpose</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Is this Benefit</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Standard or Optional?</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:350.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;"> </span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">be less than 99% of the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">policy Cash Value after the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">deduction of any surrender </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">charges and the one-time </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">rider charge.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Activation of the rider </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">cannot cause the policy to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">violate IRC Section 7702 at </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">any duration.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Cumulative partial </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">surrenders taken must be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">no less than the total </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">premiums paid under the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">policy.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Activation results in certain </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">changes to your policy, </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">including changes to the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">face amount and a </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">reduction in the </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Life </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Insurance Proceeds</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">. In </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">addition, all other riders will </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">end, with the exception of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">the Spouse’s Paid-Up </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Insurance Purchase Option </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Rider, all Cash Value will </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">be transferred to the </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fixed </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">, and your ability to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">make other policy changes </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">will be limited.</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Dollar-Cost </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Averaging</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Dollar-Cost Averaging is a </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">systematic method of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">investing that allows you to </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">purchase shares of the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Divisions at </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">regular intervals in fixed </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">dollar amounts so that the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">cost of your shares is </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">averaged over time.</span> true <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Dollar-Cost Averaging does </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">not assure growth or </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">protect against a loss in </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">declining markets.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You may not make </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Dollar-Cost Averaging </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">transfers from the Fixed </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account, but you can make </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Dollar-Cost Averaging </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">transfers into the Fixed </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Your cash value must be </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">$2,500 or more to elect </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Dollar-Cost Averaging and </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">it will be automatically </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">suspended if the Cash </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Value is less than $2,000 </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">on a transfer date.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You may not elect </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Dollar-Cost Averaging if </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">you have chosen </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Automatic Asset </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Rebalancing.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">This option is not available </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">with the Dollar-Cost </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Averaging Plus Account or </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Dollar-Cost Averaging </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Extension Account.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Dollar-Cost </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Averaging Plus </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Account</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The DCA Plus Program </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">allows you to make regular </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">periodic allocations from the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">DCA Plus Account into the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Divisions and/or </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fixed Account over the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">twelve-month period </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">following the Initial Premium </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Transfer Date. The DCA Plus </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Account will credit interest to </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the amount in the account at</span> true <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Use of the DCA Plus </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account does not assure </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">growth or protect against </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">loss in declining markets.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The DCA Plus Account </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">must be elected at the time </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">your policy is issued.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Because the entire initial </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Premium is not in the DCA </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Plus Account for the full </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">year, the annual effective </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">a rate, which we declare </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">periodically, in advance, and </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">at our sole discretion, but the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">rate will never be less than </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the GMIR.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">rate will not be achieved.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The entire initial Net </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Premium, which must be a </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">minimum of $1,000, must </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">be allocated to the DCA </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Plus Account.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You cannot use traditional </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Dollar-Cost Averaging or </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Interest Sweep until such </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">time that the DCA Plus </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account is closed.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The DCA Plus Account will </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">close automatically 12 </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">months following the Initial </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Premium Transfer Date, or </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">such time that the balance </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">in the DCA Plus Account </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">on a DCA Plus Transfer </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Date falls below $100, </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">whichever is sooner.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You cannot make transfers </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">into the DCA Plus Account.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Dollar-Cost </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Averaging </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Extension Account</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">After the completion of the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">DCA Plus Program, the DCA </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Extension Program allows </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">you to make regular periodic </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">allocations from the DCA </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Extension Account to the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Divisions and/or </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fixed Account when a single </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">premium payment of at least </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$10,000 is made. The DCA </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Extension Account will credit </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">interest to the amount in the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">account at a rate, which we </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">declare periodically, in </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">advance, and at our sole </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">discretion, but the rate will </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">never be less than the GMIR.</span> true <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Use of the DCA Extension </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Program does not assure </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">growth or protect against </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">loss in declining markets.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Only available after the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">completion of the DCA </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Plus Program and in the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">first 7 Policy Years.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Because the entire initial </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Premium is not in the DCA </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Extension Account for the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">full year, the annual </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">effective rate will not be </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">achieved.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You cannot use traditional </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Dollar-Cost Averaging or </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Interest Sweep until such </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">time that the DCA </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Extension Account is </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">closed.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The cash value in the DCA </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Extension Account must be </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">at least $100 for the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">program to continue.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You cannot make transfers </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">into this account.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Automatic Asset </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Rebalancing</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Automatically rebalances the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">amount you have in the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Separate Account on a</span> true <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Your Separate Account </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Value must be at least </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">$2,500 to elect this option. </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">schedule you select among </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Investment Divisions to </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">maintain a predetermined </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">percentage invested in the </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Division(s) you </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">have selected.</span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">We will suspend this option </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">automatically if the </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Separate Account Value is </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">less than $2,000 on a </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">rebalancing date.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">You may not elect </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Automatic Asset </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Rebalancing if you have </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">chosen Dollar-Cost </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Averaging or any of the </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Dollar-Cost Averaging </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Accounts.</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Interest Sweep</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Automatically transfers </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">interest earned on the Fixed </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Account to one or any </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">combination of Investment </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Divisions.</span> true <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">The value in the Fixed </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account must be at least </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">$2,500 to elect this option </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">and it will be automatically </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">suspended if the amount in </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">the Fixed Account falls </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">below $2,000.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">You cannot use this option </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">if you have instructed us to </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">pay any part of your policy </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">charges from the Fixed </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">If you want to use this </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">option and allocate your </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">charges, your charges </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">must be allocated to the </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">NYLIM VP U.S. </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Government Money Market </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Investment Division.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">An Interest Sweep transfer </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">cannot cause more than </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">the greater of (i) $5,000 or </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">(ii) 20% of the amount you </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">have in the Fixed Account </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">at the beginning of the </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Policy Year to be </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">transferred from the Fixed </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">This option is not available </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">with the Dollar-Cost </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Averaging Plus Account or </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Dollar-Cost Averaging </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Extension Account.</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expense Allocation </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Option</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">You can choose how to </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">allocate certain Monthly </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Deduction Changes from </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">your Cash Value.</span> true <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Expense Allocation is only </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">available from the Fixed </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account or the NYLIM VP </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">U.S. Government Money </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Market Investment Division.</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Premium Deposit</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Allows you to fund up to 14</span> true <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Subject to jurisdictional </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Account (“PDA”)</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">annual Planned Premiums or </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">179 monthly Planned </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Premiums through a lump </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">sum deposit into an </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">interest-bearing PDA. The </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">amount in the PDA earns </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">interest at a rate effective on </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the date the PDA is opened </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">and that will not change for </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the duration of the PDA.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">requirements, the PDA may </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">be available to you through </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">an agreement and/or rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">See “State Variations and </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Rider Availability” for more </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">information.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The amount you may fund </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">into the PDA may be </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">limited by the terms of the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">PDA Agreement and/or </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Rider.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You may only make one </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">lump sum deposit into the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">PDA.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Use of the PDA does not </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">guarantee that the policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">will not lapse.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">There may be limits on </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">withdrawals from the PDA </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">and a withdrawal fee may </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">apply.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Planned Premium mode </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">must be monthly or annual </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">and cannot be changed </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">during the duration of the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">PDA.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The Initial Premium must </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">be paid outside of the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">PDA.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The PDA can only be </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">elected within 45 days after </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the Initial Premium is paid </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">into the policy.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No Lapse </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Guarantee</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">This ensures that your policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">will remain in effect during </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Guarantee Period, </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">provided that your policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">premium payments satisfy </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the No Lapse Guarantee </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Premium Test on each </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Monthly Deduction Day. This </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">benefit prevents your policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">from lapsing during the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Guarantee Period even if the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cash Surrender Value is </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">insufficient to cover the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Monthly Deduction Charges </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">on a Monthly Deduction Day.</span> true <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The duration of the No </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Lapse Guarantee is 10 </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">years.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The No Lapse Guarantee </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">will become inactive before </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the end of the Guarantee </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Period if, on any Monthly </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Deduction Day, your </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">premium payments do not </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">pass the No Lapse </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Guarantee Premium Test.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Living Benefits </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Rider (filed as the </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Accelerated</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefits Rider)</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Advances a portion of the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Life Insurance Benefit </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Proceeds upon Insured</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">having a life expectancy of </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">12 months or less.</span> true <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Minimum accelerated </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">benefit amount is $25,000.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Maximum accelerated </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">benefit amount is $250,000 </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">(total for all </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIAC and </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">affiliated companies’ </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">policies).</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">A payment under this rider </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">will reduce your policy’s </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Face Amount</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">, rider death </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">benefits, monthly </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">deductions, </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cash Value, </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">and any unpaid policy loan.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">There is a $150 </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">administrative fee to </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">exercise the rider.</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Spouse’s Paid-Up </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Insurance Purchase </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Option Rider</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Allows a spouse who is the </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">beneficiary under the policy </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">to purchase a new paid-up </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">whole life insurance policy on </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">his or her own life without </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">evidence of insurability when </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the insured dies.</span> true <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">The maximum Face </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Amount of the spouse’s </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">new paid-up whole life </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">policy is the lesser of </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">(1) the maximum amount </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">of the Life Insurance </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Benefits Proceeds (before </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">any unpaid loan is </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">deducted), or (2) </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">$5,000,000.</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Insurance </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Exchange Rider</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">This rider allows you to </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">exchange the policy for a </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">new NYLIAC variable </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">universal life policy issued on </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">a new insured using the cash </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">values from your original </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy.</span> true <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">You must provide evidence </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">of insurability on the new </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">insured and have an </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">insurable interest in the </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">new insured.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">You may be required to </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">make a conditional </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">premium payment to </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">exercise this rider.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Exercising this rider will </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">have tax consequences.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">This rider may be </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">exercised only once.</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Overloan Protection </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Rider</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">When activated, the </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Overloan Protection Rider </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">guarantees that your policy </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">will not lapse even if: (1) the </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy’s Cash Surrender </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Value is insufficient to cover </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the current Monthly </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Deduction Charges or (2) the </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy’s outstanding loans </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">plus accrued loan interest </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">exceed its Cash Value.</span> true <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">To activate this rider, the </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">following conditions must be </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">met:</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">The policy must be in effect </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">for at least 15 years.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">The insured must be at </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">least age 75.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Any outstanding loan plus </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">accrued loan interest </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">exceeds the Face Amount </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">of the policy in effect at the </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">time of activation.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Any outstanding loan plus </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">accrued loan interest must </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">be less than 99% of the </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">policy Cash Value after the </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">deduction of any surrender </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">charges and the one-time </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">rider charge.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Activation of the rider </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">cannot cause the policy to </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">violate IRC Section 7702 at </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">any duration.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Cumulative partial </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">surrenders taken must be </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">no less than the total </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">premiums paid under the </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">policy.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Activation results in certain </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">changes to your policy, </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">including changes to the </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">face amount and a </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">reduction in the </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Life </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Insurance Proceeds</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">. In </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">addition, all other riders will </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">end, with the exception of </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">the Spouse’s Paid-Up </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Insurance Purchase Option </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Rider, all Cash Value will </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">be transferred to the </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fixed </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">, and your ability to </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">make other policy changes </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">will be limited.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Dollar-Cost Averaging</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Dollar-Cost Averaging is a systematic method of investing which allows you to purchase shares of the Investment Division(s) at regular intervals in fixed dollar amounts so that the cost of your shares is averaged over time. The main objective of Dollar-Cost Averaging is to achieve an average cost per share that is lower than the average price per share in a fluctuating market. Because you transfer the same dollar amount to a given Investment Division with each transfer, you purchase more units in an Investment Division if the value per unit is low, and fewer units if the value per unit is high. Therefore, you may achieve a lower than average cost per unit if prices fluctuate over the long term. Similarly, for each transfer out of an Investment Division, you sell more units in an Investment Division if the value is low and fewer units if the value per unit is high. Dollar-Cost Averaging does not assure growth or protect against a loss in declining markets. Because it involves continuous investing regardless of price levels, you should consider your financial ability to continue investing during periods of low price levels. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You may not make Dollar-Cost Averaging transfers from the Fixed Account, but you can make Dollar-Cost Averaging transfers into the Fixed Account. In addition, you cannot make transfers into the DCA Accounts. Transfers out of the DCA Plus Account are subject to the DCA Plus Program and transfers out of the DCA Extension Account are subject to the DCA Extension Program (see below). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You can elect this option if your Cash Value is $2,500 or more. We will suspend this option automatically if the Cash Value is less than $2,000 on a transfer date. Once the Cash Value equals or exceeds $2,000, the Dollar-Cost Averaging transfers will resume automatically as last requested. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">To set up Dollar-Cost Averaging, you may contact us by phone on our toll-free number (1-800-598-2019) or send a completed Dollar-Cost Averaging form in Good Order to the VPSC at one of the addresses listed on the first page of the prospectus or by any other method we make available. We will make Dollar-Cost Averaging transfers on the date you specify, or if the date you specify is not a Business Day, on the next Business Day. You can specify any day of the month other than the 29th, 30th, or 31st of a month. NYLIAC must receive your Request no later than five (5) Business Days prior to the date the transfer(s) are scheduled to begin. If your Request for this option is received less than five (5) Business Days prior to the date you request it to begin, the transfer(s) will begin on the date you have specified in the month following receipt of your request in Good Order. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You may cancel the Dollar-Cost Averaging option at any time. To cancel the Dollar-Cost Averaging option, you may call us toll-free at 1-800-598-2019, or send a Request (or by any other method we make available). You may not elect Dollar-Cost Averaging if you have chosen Automatic Asset Rebalancing . However, you have the option of alternating between Dollar-Cost Averaging and Automatic Asset Rebalancing. Dollar-Cost Averaging is not available when the DCA Plus Program or DCA Extension Program is in place.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Dollar-Cost Averaging Plus Account</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The DCA Plus Program allows you to make regular periodic allocations from the DCA Plus Account into the Investment Divisions and/or Fixed Account over the twelve-month period following the Initial Premium Transfer Date. The DCA Plus Account must be elected at the time your policy is issued. It involves the automatic transfer of a specified amount from the DCA Plus Account into the Investment Divisions and/or Fixed Account according to the allocation instructions provided by you. Subsequent premium payments received during the DCA Plus Transfer Period will be allocated similarly unless you direct us otherwise. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The DCA Plus Account will credit interest at a rate, which we declare periodically, in advance, and at our sole discretion. The rate may fluctuate throughout the DCA Plus Transfer Period, but it will never be less than the GMIR. We may credit different interest rates to the DCA Accounts, the Fixed Account, and to the Loan Account. Net Premium payments to the DCA Plus Account will receive the applicable interest rate in effect on the Business Day we receive that premium payment. Interest rates for subsequent premium payments into the DCA Plus Account may be different from the rate applied to prior premium payments made into the DCA Plus Account. Interest accrues and is credited daily. Contact your registered representative for the current rate. Amounts in the DCA Plus Account only earn the DCA Plus Account interest rate while they are in the DCA Plus Account waiting to be transferred to the Investment Divisions and/or Fixed Account. Because the entire Initial Premium is not in the DCA Plus Account for the full year, the annual effective rate will not be achieved. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If you elect to participate in this program, the entire initial Net Premium, which must be a minimum of $1,000, must be allocated to the DCA Plus Account. Subsequent premiums received within 12 months following the Initial Premium Transfer Date will also be allocated to the DCA Plus Account unless you direct us otherwise. If you participate in the DCA Plus Account program, you cannot use traditional Dollar-Cost Averaging or Interest Sweep until such time that the DCA Plus Account is closed. The DCA Plus Account will close automatically 12 months following the Initial Premium Transfer Date, or such time that the balance in the DCA Plus Account on a DCA Plus Transfer Date falls below $100, whichever is sooner. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Amounts in the DCA Plus Account will be transferred to the Investment Divisions and/or Fixed Account on the monthly anniversary following the Initial Premium Transfer Date. The amount of each transfer will be calculated at the time of the transfer based on the number of remaining monthly transfers and the remaining value in the DCA Plus Account as of the date of the transfer. Transfers from the DCA Plus Account occur automatically and are based on the following formula:</span><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:66.08pt;width:389.84pt;"> <tr style="height:40.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:149.38pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Monthly Anniversary of the</span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Initial Premium Transfer Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:240.46pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Amount Transferred from the DCA Plus Account</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(as a percentage of the DCA Plus Account Value</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">as of the applicable Month)</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:149.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:240.46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">8.33%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:149.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:240.46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">9.09%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:149.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">3</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:240.46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">10.00%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:149.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">4</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:240.46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">11.11%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:149.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">5</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:240.46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">12.50%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:149.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">6</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:240.46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">14.29%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:149.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">7</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:240.46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">16.67%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:149.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">8</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:240.46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">20.00%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:149.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">9</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:240.46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">25.00%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:149.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">10</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:240.46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">33.33%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:149.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">11</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:240.46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">50.00%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:149.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">12</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:240.46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">100.00%</span></div></div></td></tr></table><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;">The entire value of the DCA Plus Account will be completely transferred to the Investment Divisions and/or Fixed Account within 12 months of the Initial Premium Transfer Date. For example, if you allocate an Initial Premium payment to the DCA Plus Account under which the 12-month term will end on December 31, 2026 and we receive a subsequent premium payment for the DCA Plus Account before December 31, 2026, we will allocate the subsequent premium payment to the same DCA Plus Account and transfer the entire value of the DCA Plus Account to the Investment Divisions and/or Fixed Account by December 31, 2026 based on the schedule shown above, even though a portion of the money was not in the DCA Plus Account for the entire 12-month period. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">You cannot make transfers into the DCA Plus Account. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Use of the DCA Plus Account does not assure growth or protect against loss in declining markets. Assets in our General Account support the DCA Plus Account. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You can cancel the DCA Plus Account at any time. To cancel the DCA Plus Account, you must send a Request. Upon receiving your cancellation Request we will transfer the entire DCA Plus Account balance to the Investment Divisions and/or Fixed Account according to the allocation instructions provided by you. DCA Plus may not be available in all jurisdictions.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Dollar-Cost Averaging Extension Account</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The DCA Extension Program is another optional feature that allows you to make regular periodic allocations from the DCA Extension Account to the Investment Divisions and/or Fixed Account. This program, however, is only available after issue and completion of the DCA Plus Program (if applicable), and only for the first 7 Policy Years (the “DCA Extension Availability Period”). If you select this feature, any single premium payment that we receive during the DCA Extension Availability Period that is a minimum of $10,000 (the “DCA Extension Eligible Premium”) will be applied to the DCA Extension Account. Beginning on the monthly anniversary of the date we receive a DCA Extension Eligible Premium, and continuing for a period of 12 months after we receive that premium, NYLIAC will make periodic transfers on your behalf from the DCA Extension Account into the Investment Divisions and/or Fixed Account in accordance with your premium allocation instructions. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The DCA Extension Account will credit interest at a rate which we declare periodically, in advance, and at our sole discretion. The rate may fluctuate throughout the DCA Extension Transfer Period, but it will never be less than the GMIR. We may credit different interest rates to the DCA Extension Account, the Fixed Account, and the Loan Account. Net Premium payments to the DCA Accounts will receive the applicable interest rate in effect on the Business Day we receive that DCA Extension Eligible Premium payment. Interest rates for </span><span style="color:#000000;font-family:Arial;font-size:10pt;">subsequent DCA Extension Eligible Premium payments may be different from the rate applied to prior DCA Extension Eligible Premium payments. Interest accrues and is credited daily. Contact your registered representative for the current rate. Amounts in the DCA Extension Account only earn the DCA Accounts interest rate while they are in the DCA Extension Account waiting to be transferred to the Investment Divisions and/or Fixed Account. Because the entire DCA Extension Eligible Premium is not in the DCA Extension Account for the full year, the annual effective rate will not be achieved. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If you elect to participate in this program, you cannot use traditional Dollar-Cost Averaging or Interest Sweep until such time that the DCA Extension Account is closed. For DCA Extension to continue as scheduled, the Cash Value in the DCA Extension Account must be at least $100. If the Cash Value falls below this minimum on a DCA Extension transfer date during the 12 month DCA Extension Transfer Period, the DCA Extension Account will close and any remaining balance will be transferred in accordance with your DCA Extension allocation instructions. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You may make a maximum of 12 DCA Extension Eligible Premium payments in a given calendar year. Each DCA Extension Eligible Premium received by us during DCA Extension Availability Period will have its own 12 month transfer schedule, based on the following formula:</span><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:83.53pt;width:354.95pt;"> <tr style="height:73.75pt;"> <td style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:173.03pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:6.94%;padding-bottom:1pt;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">The Monthly Anniversary</span></div> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">after each DCA Extension</span></div> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">Eligible Premium is received</span></div></div></div></td> <td style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:181.92pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:6.60%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">Amount Transferred from</span></div> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">the DCA Extension Account</span></div> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">per Eligible Premium Payment</span></div> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">(as a percentage of the DCA </span></div> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">Extension Account Value)</span></div></div></div></td></tr> <tr style="height:22.75pt;"> <td style="padding-bottom:3pt;padding-top:1.75pt;vertical-align:Bottom;width:173.03pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">1</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.75pt;vertical-align:Bottom;width:181.92pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">8.33%</span></div></div></td></tr> <tr style="height:21pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:173.03pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">2</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:181.92pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">9.09%</span></div></div></td></tr> <tr style="height:21pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:173.03pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">3</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:181.92pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">10.00%</span></div></div></td></tr> <tr style="height:21pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:173.03pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">4</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:181.92pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">11.11%</span></div></div></td></tr> <tr style="height:21pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:173.03pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">5</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:181.92pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">12.50%</span></div></div></td></tr> <tr style="height:21pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:173.03pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">6</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:181.92pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">14.29%</span></div></div></td></tr> <tr style="height:21pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:173.03pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">7</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:181.92pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">16.67%</span></div></div></td></tr> <tr style="height:21pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:173.03pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">8</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:181.92pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">20.00%</span></div></div></td></tr> <tr style="height:21pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:173.03pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">9</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:181.92pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">25.00%</span></div></div></td></tr> <tr style="height:21pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:173.03pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">10</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:181.92pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">33.33%</span></div></div></td></tr> <tr style="height:21pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:173.03pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">11</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:181.92pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">50.00%</span></div></div></td></tr> <tr style="height:20pt;"> <td style="padding-bottom:2.5pt;padding-top:3pt;vertical-align:Bottom;width:173.03pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">12</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:3pt;vertical-align:Bottom;width:181.92pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:36.00pt;">100.00%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">Use of the DCA Extension Account does not assure growth or protect against loss in declining markets. Assets in our General Account support the DCA Extension Account. </span><span style="font-family:Arial;font-size:10pt;">You can cancel the DCA Extension Account at any time. To cancel the DCA Extension Account, you must send a written cancellation Request or call us toll-free at 1-800-598-2019. Upon receiving your cancellation request we will transfer the entire DCA Extension Account balance to the Investment Divisions and/or Fixed Account according to the allocation instructions provided by you. The DCA Extension Program may not be available in all jurisdictions. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The DCA Extension Program is not available while the DCA Plus Program is in effect.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Automatic Asset Rebalancing (AAR) </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If you choose this option, we will rebalance your assets automatically on a schedule you select among the Investment Divisions to maintain a predetermined percentage invested in the Investment Division(s) you have selected. For example, you could specify that 50% of the amount you have in the Investment Divisions of the Separate Account be allocated to one Investment Division, while the other 50% be allocated to another Investment Division. Over time, however, performance variations in each of these Investment Divisions would cause this balance to shift. With the Automatic Asset Rebalancing (AAR) option, we will rebalance the amount you have in the Separate Account among the Investment Divisions you have selected so that they are invested in the percentages you specify. Values in the Fixed Investment Options are excluded from AAR.  </span><span style="color:#000000;font-family:Arial;font-size:10pt;">We will make AAR transfers either quarterly, semi-annually or annually (but not monthly), based on your Policy Anniversary Date. If your Policy Anniversary Date is on the 29th, 30th or 31st of a month, the rebalancing transfer will occur on the 28th of the month. Your AAR will be cancelled if a premium allocation change or fund transfer is submitted on your behalf and the AAR is not also modified at the time to be consistent with your fund transfer and premium allocation changes. To process AAR transfers, or to modify an existing AAR, you may call us toll-free at 1-800-598-2019, or send a completed AAR form in Good Order to the VPSC at one of the addresses listed on the first page of the prospectus (or by any other method we make available). NYLIAC must receive the request in writing no later than five (5) Business Days prior to the date the transfer(s) are scheduled to begin. If your request for this option is received less than five (5) Business Days prior to the date you request it to begin, the transfer(s) will begin on the date you have specified in the month following receipt of your request. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You can elect this option if your Separate Account Value is $2,500 or more. We will suspend this option automatically if the Separate Account Value is less than $2,000 on a rebalancing date. Once the Separate Account Value equals or exceeds this amount, AAR will resume automatically as scheduled. There is no minimum amount that you must allocate among Investment Divisions for this option. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You can cancel or modify the AAR option at any time. To cancel the AAR option, you may call us at 1-800-598-2019 or send a cancellation Request. You cannot elect AAR if you have chosen Dollar-Cost Averaging. However, you have the option of alternating between the two options. AAR is available when the DCA Plus and DCA Extension Programs are in place but funds in the DCA Accounts are not eligible for AAR.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Interest Sweep</span><span style="color:#000000;font-family:Arial;font-size:10pt;">You can instruct us to periodically transfer the interest credited to the Fixed Account to the Investment Division(s) you specify. You can elect this option as long as the amount in the Fixed Account is at least $2,500. We will make all Interest Sweep transfers on the date you specify or, if the date you specify is not a Business Day, on the next Business Day. You can specify any day of the month to make these automatic transfers, other than the 29th, 30th, or 31st of the month. We will not process an Interest Sweep transfer unless you contact us on our toll-free number (1-800-598-2019) or send a Request. NYLIAC must receive the request no later than five (5) Business Days prior to the date the transfer(s) are scheduled to begin. If your request for this option is received less than five (5) Business Days prior to the date you request it to begin, the transfer(s) will begin on the date you have specified in the month following receipt of your request. </span><span style="font-family:Arial;font-size:10pt;">You cannot choose the Interest Sweep option if you have instructed us to pay any part of your policy charges from the Fixed Account. If you want to elect the Interest Sweep option and you want to allocate your charges, you must allocate your charges to the NYLIM VP U.S. Government Money Market Investment Division. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You can request Interest Sweep in addition to either the Dollar-Cost Averaging or Automatic Asset Rebalancing option. If an Interest Sweep transfer is scheduled for the same day as a Dollar-Cost Averaging or Automatic Asset Rebalancing transfer, we will process the Interest Sweep transfer first. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If an Interest Sweep transfer would cause more than the greater of (i) $5,000 or (ii) 20% of the amount you have in the Fixed Account at the beginning of the Policy Year to be transferred from the Fixed Account, we will not process the transfer and we will suspend the Interest Sweep option. If the amount you have in the Fixed Account is less than $2,000, we will automatically suspend this option. Once the amount you have in the Fixed Account equals or exceeds $2,000, the Interest Sweep option will resume automatically as scheduled. You can cancel the Interest Sweep option at any time. To cancel the Interest Sweep option, you may contact us at our toll-free number (1-800-598-2019) or send a cancellation Request. Interest Sweep is not available when the DCA Plus or DCA Extension Program is in place. </span> <span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Expense Allocation Option</span><span style="font-family:Arial;font-size:10pt;">At any time, you can choose how to allocate certain Monthly Deduction Charges from your Cash Value. (See “Charges Associated with the Policy—Deductions from Cash Value” for details.) Expense Allocation is only available from the Fixed Account or the NYLIM VP U.S. Government Money Market Investment Division.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Premium Deposit Account (“PDA</span><span style="color:#000000;font-family:Arial;font-size:10pt;">”) </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A Premium Deposit Account (“PDA”) is an optional feature you can use to fund planned premiums into your policy. You may fund from 1 to 14 years of annual planned premiums or 11 to 179 monthly planned premiums through the PDA. You may elect this option by entering into a PDA Agreement with NYLIAC and/or through the election of a PDA Rider, subject to jurisdictional requirements. See “State Variations and Rider Availability” for information on how the PDA is available and other state specific variations. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Under the PDA Agreement, after paying your Initial Premium Payment directly into the policy, you can make a lump sum deposit into an interest-bearing PDA. The deposit and interest earned on the amount in the PDA will be used to automatically pay subsequent planned premiums into your policy, either on a monthly or annual basis. Once the annual or monthly mode is selected it cannot be changed for the term of the PDA. Interest will be credited daily on the funds remaining in the PDA at an annual rate(s)-effective on the date of the PDA and will not change for the term of the PDA. If you lower your planned premiums, we will pay the new lowered planned premiums from the PDA and return the difference remaining in the PDA to you (subject to any applicable withdrawal fee). There may be tax withholding amounts that may also reduce the amount remaining the PDA. If you increase your planned premiums, we will pay the new increased planned premium from the PDA and we will notify you of any shortfall. Upon election of the PDA, you will receive a notice with the planned premium schedule and the interest rate applicable to your PDA. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Withdrawals are permitted from the PDA and may be subject to a withdrawal fee. The withdrawal fee may change but will never exceed 10% of the withdrawal. Generally, there are two types of withdrawals permitted from the PDA (see “State Variations and Rider Availability” for state specific variations): </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">One-Time Withdrawal - During the first 3 Policy Years after you make the deposit to the PDA, you may make a one-time withdrawal that is equal to the lesser of: (a) 10% of the amount in the PDA; or (b) $25,000. We must receive a signed notice from you electing to make this one-time withdrawal no later than 31 days before the policy’s third policy anniversary. A withdrawal fee will not be deducted from a One-Time Withdrawal. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">A Full Cash Withdrawal - In most jurisdictions, a full cash withdrawal of the remaining PDA balance is permitted at any time and is generally subject to a withdrawal fee that will never exceed 10%. However, a full cash withdrawal will not incur a withdrawal fee in the following cases: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The policy is canceled in accordance with the Free Look provision. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The date the policy ends due to death of the Insured. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">When benefits are paid under the Living Benefits Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The PDA Agreement and/or Rider will end, and we will pay you the entire amount in the PDA, if any, on the earliest of the following to occur: the date the policy ends, the date of a full cash withdrawal of the PDA (less any applicable withdrawal fee) or when there are no funds remaining in the PDA. After the PDA ends, any additional premium payments must be made by another method for paying premiums discussed in this prospectus. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The deposit into the PDA is not a premium payment and the PDA has no cash value or loan value under the policy. The PDA is not registered under the 1933 Act or as an investment company under the 1940 Act and is part of our General Account. As such, amounts allocated to the PDA do not have the benefits and protections of these statutes and are subject to our financial strength and claims paying ability and the claims of our general creditors. Use of the PDA does not guarantee the policy will not lapse and even if you pay all your planned premiums, additional premiums may be needed to keep the policy in force. The deposit into the PDA does not affect the Surrender Charge Schedule. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any interest earned on the PDA will be taxable and, subject to applicable requirements, will be reported to you and the IRS on a Form 1099-INT. As the deposit into the PDA is not a premium payment, it will not be used in determining whether the policy is a Modified Endowment Contract, but planned premiums paid out of the PDA will be used for this purpose.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="font-family:Arial;font-size:10pt;font-style:italic;">Example:</span><span style="font-family:Arial;font-size:10pt;"> The following illustrates how the PDA can be used with the policy. A policyowner makes an Initial Premium payment of $10,000 into the policy and wants to open a PDA to fund 6 future annual Planned Premium payments of $10,000 each. Assuming a hypothetical interest rate of 5.25%, the policyowner would make a lump sum deposit of $50,353.64 to fund the PDA. The following chart depicts the planned premiums made into the policy and how the interest earned on the PDA contributes to those premium payments.</span><span style="font-family:Arial;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:62.28pt;width:397.44pt;"> <tr style="height:29.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:58.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:102pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">PDA</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Beginning Balance</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:60pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Interest</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Earned</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.44pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Annual Premium</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">paid from PDA</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">PDA</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Ending Balance</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:58.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:102pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$50,353.64</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:60pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$2,643.57</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.44pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">-$10,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:85.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$42,997.21</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:58.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:102pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$42,997.21</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:60pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$2,257.35</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.44pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">-$10,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:85.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$35,254.56</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:58.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">3</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:102pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$35,254.56</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:60pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$1,850.86</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.44pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">-$10,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:85.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$27,105.42</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:58.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">4</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:102pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$27,105.42</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:60pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$1,423.03</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.44pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">-$10,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:85.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$18,528.45</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:58.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">5</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:102pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$18,528.45</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:60pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$972.74</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.44pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">-$10,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:85.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$9,501.19</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:58.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">6</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:102pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$9,501.19</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:60pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$498.81</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:91.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">-$10,000</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:85.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$0</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Living Benefits Rider (filed as Accelerated Benefits Rider):</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> Under this rider, if the insured has a life expectancy of twelve months or less, you may request a portion or all of the Life Insurance Benefit Proceeds as an accelerated death benefit. You must elect this rider to have it included in your policy. This election can be made at any time. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You can cancel this rider at any time by sending us a Request. This rider will end on the date we receive your Request. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You may elect to receive an accelerated death benefit of 25%, 50%, 75%, or 100% of certain eligible proceeds from your Life Insurance Benefit Proceeds. We will pay you an amount equal to:</span><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:2.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;vertical-align:Middle;width:69.89pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;vertical-align:Middle;width:22.97pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;vertical-align:Middle;width:60.75pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;vertical-align:Middle;width:22.97pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;vertical-align:Middle;width:82.86pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;vertical-align:Middle;width:26.3pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;vertical-align:Middle;width:89.53pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;vertical-align:Middle;width:26.3pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;vertical-align:Middle;width:120.44pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:8pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span></div></div></td></tr> <tr style="height:28.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:2.75pt;vertical-align:Middle;width:69.89pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Elected</span></div> <div style="margin-left:8pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">percentage</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.75pt;vertical-align:Middle;width:22.97pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">X</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:2.75pt;vertical-align:Middle;width:60.75pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Eligible</span></div> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">proceeds</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.75pt;vertical-align:Middle;width:22.97pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">X</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:2.75pt;vertical-align:Middle;width:82.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Interest factor</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.75pt;vertical-align:Middle;width:26.3pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">—</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:2.75pt;vertical-align:Middle;width:89.53pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Administrative</span></div> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">fee (up to $150)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.75pt;vertical-align:Middle;width:26.3pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">—</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:2.75pt;vertical-align:Middle;width:120.44pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:8pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Elected percentage of</span></div> <div style="margin-left:7.9pt;margin-right:8pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">an unpaid policy loan</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">Minimum accelerated benefit amount: $25,000. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Maximum accelerated benefit amount: $250,000 (total for all of your NYLIAC and affiliated companies’ policies). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If you accelerate less than 100% of the eligible proceeds, the remaining Face Amount of your policy after we pay this benefit must be at least $50,000. We do not permit any subsequent acceleration. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">When we make a payment under this rider, we will reduce your policy’s Face Amount, applicable rider death benefits, monthly deductions, Cash Value, and any unpaid policy loan based on the percentage you elected. We will deduct an administrative fee of $150 at the time you exercise the rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Amounts received under this rider generally will be excludable from your gross income under IRC Section 101 (g). The exclusion from gross income will not apply, however, if you are not the insured and if you do not have an insurable interest in the life of the insured either because the insured is your director, officer, or employee, or because the insured has a financial interest in a business of yours. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">In some cases, there may be a question as to whether a life insurance policy that has an accelerated living benefit rider can meet certain technical aspects of the definition of a “life insurance contract” under the IRC. We reserve the right (but we are not obligated) to modify the rider to conform to any requirements the IRS may enact.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Example:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> The following illustrates the benefit available under the Living Benefits Rider, assuming: (1) an Elected Accelerated Benefit of 100% and 50%, respectively; (2) Eligible Proceeds and Face Amount of $250,000; (3) an Interest Factor of 0.9434; (4) an Administrative Fee of $150; and an (5) Outstanding Loan of $5,000:</span><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:51.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:70.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Elected </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Percentage</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Eligible Proceeds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Interest Factor</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Administrative </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Elected </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Percentage x </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Outstanding </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Loan</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Total Accelerated </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Benefit Available</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">((1)x(2)x(3)) - (4) - </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">((1)x(5))</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:70.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">100%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$250,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">0.9434</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$150</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$5,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$230,700</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:70.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">50%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$250,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">0.9434</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$150</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$2,500</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$115,275</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Spouse’s Paid-Up Insurance Purchase Option Rider:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> This rider allows a spouse who is the beneficiary under the policy to purchase a new paid-up whole life insurance policy on his or her own life without evidence of insurability when the insured dies. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The maximum Face Amount of the spouse’s new paid-up whole life policy is the lesser of: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the maximum amount of the Life Insurance Benefit Proceeds payable under this policy (before any unpaid loan is deducted); or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">$5,000,000. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the insured’s spouse dies at the same time as the insured or within 30 days after the insured’s death and does not exercise the option under this rider, we will pay a benefit to the spouse’s estate equal to the maximum amount of insurance coverage that could have been purchased under this rider, minus the premium payment that would have been required for that insurance (cannot exceed a maximum of $2,500,000). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If a third party (including a trust) is the policyowner and beneficiary under the policy, that third party can also exercise the option and purchase a paid-up whole life policy on the life of the spouse. The policyowner must have an insurable interest in the life of the spouse and the spouse must consent to the issuance of the new insurance in writing.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Example:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> The following illustrates the benefit available under the Spouse’s Paid-Up Insurance Purchase Option Rider, assuming Policy Proceeds and Face Amount of $1,000,000 and a request by a Representative Spouse (Male, Age 70, Standard rating) for a new paid-up whole life insurance policy of $100,000 and $500,000 with a Net Single Premium per thousand (NSP) of $772.86:</span><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:40.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:160.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Policy Proceeds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Requested </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Paid-Up </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Insurance Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">NSP for Paid-Up </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Insurance</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Policy Premium </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">for Paid-Up </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Insurance</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Net Policy </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Proceeds</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:160.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,000,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$100,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$772.86</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$77,286</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$1,000,000 - </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$77,286 = </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$922,714</span></div></div></td></tr> <tr style="height:38.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:160.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,000,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$500,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$772.86</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$386,430</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$1,000,000 - </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$386,430 = </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$613,570</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Insurance Exchange Rider: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This rider allows you to exchange the policy for a new NYLIAC variable universal life policy issued on a new insured using the cash values from your original policy. This rider is included in the policy at no additional cost. This rider may only be exercised once under the Policy. To exercise this rider, you must send a completed Insurance Exchange Rider form in Good Order to the VPSC at one of the addresses listed on the first page of this prospectus (or any other address we indicate to you in writing). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">When an exchange is made to a new policy the Cash Value of your policy will be transferred to the new policy and become the Cash Value for the new policy. However, the Cash Surrender Value under the new policy may be different since surrender charges will be based on the new insured’s age and gender. The maximum Face </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Amount of the new policy is the lesser of the Face Amount of the original policy on the Policy Date or the Face Amount of the original policy on the date of the exchange. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Before we can issue the new policy, you must provide us with evidence of insurability on the new insured (which may require full medical underwriting) and have an insurable interest in the new insured. The Policy Date and the Issue Date of the new policy will be the date on which the policy is exchanged. The new cost of insurance rates, premium payments and charges will be based on the new insured’s age, gender, and class of risk at the time the exchange occurs. However, surrender charges on the new policy will be measured from the Policy Date of the original policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Under certain circumstances, you may be required to make a conditional premium payment into the new policy to exercise the exchange rider: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Cash Surrender Value of the new policy will exceed the Cash Surrender Value of the original policy, then a payment equal to 103% of the difference between these two values will be required.</span><span style="font-family:Arial;font-size:10pt;">(2)</span><span style="font-family:Arial;font-size:10pt;">If the Cash Surrender Value of the new policy after the exchange would be zero or less than zero, then a payment in an amount sufficient to keep the new policy in effect for two months following the date of exchange will be required. This payments will be treated as a premium payment into the new policy and will be subject to the charges and conditions applicable to premiums in the new policy. If the conditions specified above are not present at the time the rider is exercised the conditional premium payment will not be required. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The IRS has ruled that an exchange of policies pursuant to this type of rider does not qualify as a tax-deferred exchange under IRC Section 1035. Accordingly, the exercise of your rights under this rider will result in a taxable event. You will be required to include in gross income an amount equal to the gain in the policy. The exercise of your rights under this rider also may result in the new policy’s classification as a modified endowment contract, as discussed in the prospectus. You should consult your tax adviser about the potential adverse tax consequences of exercising your rights under this rider.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Example:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> If an original policy, purchased on a Representative Insured (Male, 40, Premier issue) with a Cash Value of $157,431.84 and Face Amount of $250,000, is exchanged at Policy Year 11 (outside the Surrender Charge Period) for a Policy with the same Cash Value and Face Amount on an Insured (Female 50, Quality), the exchange would result in a decrease in Monthly Deduction Charges. As with the original policy, the policy resulting from the exchange would not be subject to surrender charges.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Overloan Protection Rider:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> Subject to state availability, your policy will include the Overloan Protection Rider. When activated, the Overloan Protection Rider guarantees that your policy will not lapse even if: (1) the policy’s Cash Surrender Value is insufficient to cover the current Monthly Deduction Charges or (2) the policy’s outstanding loans plus accrued loan interest exceed its Cash Value. To activate the Overloan Protection Rider you must provide us with a Request. A one-time charge will be deducted from the policy’s Cash Value on the activation date. There is no charge if the Rider is never activated. In addition, the following conditions must be met upon receipt of your Request: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The policy must be in effect for at least 15 years. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The insured must be at least age 75. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any outstanding loan plus accrued loan interest exceeds the Face Amount of the policy in effect at the time of activation. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any outstanding loan plus accrued loan interest must be less than 99% of the policy Cash Value after the deduction of any surrender charges and the one-time rider charge. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Activation of the rider cannot cause the policy to violate IRC Section 7702 at any duration. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Cumulative partial surrenders taken must be no less than the total premiums paid under the policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The policy is not a modified endowment contract (MEC) and would not become a MEC upon activation of the rider. (For a discussion of these rules, see “Federal Income Tax Considerations—Modified Endowment Contract Status”). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">For purposes of this rider, the Life Insurance Benefit under the Policy is referred to as Life Insurance Benefit Option 1. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Once the policy meets the conditions outlined above, we will mail a notice to you at your last known address to notify you that the Overloan Protection Rider can be activated. The Overloan Protection Rider will be effective on the Monthly Deduction Day following the day we receive your Request to activate, provided that the policy still meets the conditions for rider activation. Once in effect, the Overloan Protection Rider will prevent your policy from ending. The following changes to your policy will take effect. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Face Amount of the policy will be changed to 101% of the policy’s Cash Value (the “OLP Face Amount”). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The policy’s Life Insurance Proceeds will be the greater of: A or (B x C) where: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A =The OLP Face Amount calculated at rider activation; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">B =the greater of: (i) the policy’s Cash Value, or (ii) any outstanding loans plus accrued loan interest; and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">C = the greater of 101% or the minimum percentage necessary for the policy to qualify as life insurance under IRC Section 7702. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any Cash Value under the policy that is not invested in the Fixed Account will be transferred to the Fixed Account. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any riders, except the Overloan Protection Rider and the Spouse’s Paid-Up Insurance Purchase Option Rider, will end. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No further policy changes, premium payments, transfers, partial surrenders, or full surrenders will be allowed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No additional loans (except those resulting from unpaid loan interest) or loan repayments will be permitted. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Loan interest will continue to accrue. If not paid when due, the interest will become part of any outstanding loan and will also accrue interest. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No further Monthly Deduction Charges will be taken. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This policy may be purchased with the intention of accumulating cash value on a tax-free basis over some period (such as retirement) and relying on the Overloan Protection Rider to periodically borrow from the Policy without allowing the Policy to lapse. Anyone contemplating the purchase of the Policy with the intention of pursuing this strategy or otherwise exercising the “overloan protection” provided under the Overloan Protection Rider should be aware that, among other risks, it has not been ruled on by the IRS or the courts and it may be subject to challenge by the IRS, since it is possible that the loans will be treated as taxable distributions when the Overloan Protection Rider is activated. For this reason, you should consider very carefully, after consultation with your tax advisor, whether to exercise the Overloan Protection Rider.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Example</span><span style="color:#000000;font-family:Arial;font-size:10pt;">:For a Policy with the following policy values at Attained Age 90:</span><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:74.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:146.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Face Amount (FA)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:71pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Life </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Insurance</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:56pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Separate </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Account </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(SAV)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:56pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Fixed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Account </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(FAV)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:56pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Cash </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(CV)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(SAV + </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">FAV)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:68pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Outstanding </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Loans (plus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Accrued </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Loan </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Interest)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(L)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:68.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Cash </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Surrender </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value (CV - </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">L)*</span></div></div></td></tr> <tr style="height:15.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:146.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$1,000,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:71pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,378,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:56pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,200,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:56pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$100,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:56pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,300,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:68pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,000,500</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:68.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$299,500 </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The activation of the rider will result in: (1) the assessment of a one-time Overloan Protection Rider Fee of $45,500 </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3.5% of the Cash Value of $1,300,000)—a fee that will vary based on Attained Age and deducted from the Cash Value and (2) the following changes to the policy:</span><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:63.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:146.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Face Amount</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:71pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Life </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Insurance </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:56pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Separate </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Account </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(SAV)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:56pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Fixed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Account </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(FAV)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:56pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Cash </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(CV)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(SAV + </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">FAV)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:68pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Outstanding </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Loans (plus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Accrued </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Loan </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Interest) (L)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:68.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Cash </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Surrender </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value (CV - </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">L)*</span></div></div></td></tr> <tr style="height:15.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:146.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$1,267,045</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:71pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,329,770</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:56pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$0</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:56pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,254,500</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:56pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,254,500</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:68pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,000,500</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:68.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$254,000</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The activation of the rider increases the Face Amount by making it 101% of the Cash Value –calculated as the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">greater of the Face Amount ($1,267,045) or the policy’s Cash Value, multiplied by the minimum percentage necessary for the policy to qualify as life insurance under IRC Section 7702 ($1,254,500 x 1.06) or $1,329,770. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">*No surrender charges apply.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Age 121 Policy Anniversary</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Beginning on the policy anniversary on which the insured is age 121, the Life Insurance Benefit will remain in force </span><span style="color:#000000;font-family:Arial;font-size:10pt;">for all subsequent years, but the following limitations will apply: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No further Planned or Unplanned Premiums will be allowed, except as needed to keep your policy from lapsing. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No Face Amount decreases will be permitted. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(c)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Other than the Mortality and Expense Risk Charge, no further monthly deductions will be made from your Cash Value. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(d)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Your Cash Value will continue to be invested in the Investment Options chosen by the policyowner. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(e)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Transfers among the Investment Options will continue to be allowed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(f)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Partial surrenders and loan repayments will continue to be allowed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(g)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">New policy loans may be requested and loan interest will continue to accrue on any new and existing loans at the current Loan Interest Rate. However, if the amount of any unpaid loans (including any accrued loan interest) is greater than the Cash Value of your policy minus surrender charges, your policy could lapse. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(h)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any other riders attached to your policy will end, unless stated otherwise in the rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Please consult your tax advisor regarding the tax implications of these options. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If your policy is still in effect when the insured dies, we will pay the Life Insurance Proceeds to the beneficiary.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Tax-Free “Section 1035” Insurance Policy Exchanges</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Generally, you can exchange one life insurance policy for another in a “tax-free exchange” under IRC Section 1035. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Before making an exchange, you should compare both policies carefully. Remember that if you exchange another policy for the one described in this prospectus, you might have to pay a surrender charge on your old policy. Also, some charges may be higher (or lower), and the benefits may be different. If the exchange does not qualify for IRC Section 1035 treatment, you may have to pay federal income and penalty taxes on the exchange. You should not exchange another policy for this one unless you determine, after knowing all of the facts, that the exchange is in your best interest. New York Life may accept standard electronic instructions from another insurance carrier for the purposes of effecting an IRC Section 1035 exchange. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Because the final surrender value of your existing policy will be calculated once the new life insurance policy has </span><span style="color:#000000;font-family:Arial;font-size:10pt;">been approved for issuance, this final surrender value may be impacted by increases or decreases in policy values that result from market fluctuations during the period between submission of the exchange request and actual processing. The final surrender value may be calculated several Business Days after we receive your exchange </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Request. Please consult your current insurer for options to potentially mitigate market exposure during this period. In addition, as we will not issue the new policy until we have received an Initial Premium from your existing insurance company, the issuance of the policy in an exchange could be delayed. The ACSV is not available for IRC Section 1035 exchanges to another life insurance policy. If you chose to exchange another life insurance policy for this one in a "tax-free exchange" under IRC Section 1035, funds resulting from the exchange will not count toward the Initial Premium required under this policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">24-Month Exchange Privilege</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Within the first 24 months after the Issue Date of your policy, if you decide that you do not want to own a variable </span><span style="color:#000000;font-family:Arial;font-size:10pt;">policy, you may exchange it for a new policy on the life of the Insured without evidence of insurability and without a Surrender Charge deduction. </span><span style="font-family:Arial;font-size:10pt;margin-left:12pt;">The new policy will be on a permanent plan of life insurance, which we were offering for this purpose on the Issue </span><span style="font-family:Arial;font-size:10pt;">Date of this VUL Policy. The new policy will have a face amount equal to the initial Face Amount of this Policy. It will be based on the same Policy Date, Insured's class of risk, gender, and Issue Age as this Policy, but will not offer variable investment options such as the Investment Divisions. The new policy will have the same provisions and be subject to the same limitations as are in the series of permanent plan life insurance policies being issued by us on that date. All riders attached to this Policy will end on the date of exchange, unless we agree otherwise. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">To exchange your policy: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">your policy must be in force on the date of the exchange; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">you must repay any unpaid loan (including any accrued loan interest); and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">you must submit a Request. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">We will process your request for an exchange on the later of: (1) the Business Day on which we receive your </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Request along with your policy, or (2) the Business Day on which we receive the necessary loan payment for your exchange in Good Order at the VPSC at one of the addresses listed on the first page of this prospectus (or any other address we indicate to you in writing). The policy exchange will be effective on the later of these two dates. The amount applied to your new policy will be the policy’s Cash Value plus a refund of all Cost of Insurance Charges, Administrative  Charges, Premium Expense Charges and any rider charges taken as of the date of the exchange. We will not refund Mortality and Expense Risk Charges, or Contract Charges. Because policy values may increase or decrease due to market fluctuations during the period between submission of the exchange request and actual processing, the Cash Value applied to your new policy may be impacted. Please consult your registered representative for options to potentially mitigate market exposure during the time it will take to process the exchange. We will require you to make any adjustment to the premiums and Cash Value of your variable policy and the new policy, if necessary. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">When you exchange your policy, all riders and benefits for that policy will end, unless otherwise required by law. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Requests received after 4:00 pm (Eastern Time) on a Business Day, or on a non-Business Day, will be processed as of the next Business Day.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Living Benefits Rider (filed as Accelerated Benefits Rider):</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> Under this rider, if the insured has a life expectancy of twelve months or less, you may request a portion or all of the Life Insurance Benefit Proceeds as an accelerated death benefit. You must elect this rider to have it included in your policy. This election can be made at any time. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You can cancel this rider at any time by sending us a Request. This rider will end on the date we receive your Request. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You may elect to receive an accelerated death benefit of 25%, 50%, 75%, or 100% of certain eligible proceeds from your Life Insurance Benefit Proceeds. We will pay you an amount equal to:</span><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:2.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;vertical-align:Middle;width:69.89pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;vertical-align:Middle;width:22.97pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;vertical-align:Middle;width:60.75pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;vertical-align:Middle;width:22.97pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;vertical-align:Middle;width:82.86pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;vertical-align:Middle;width:26.3pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;vertical-align:Middle;width:89.53pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;vertical-align:Middle;width:26.3pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;vertical-align:Middle;width:120.44pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:8pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span></div></div></td></tr> <tr style="height:28.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:2.75pt;vertical-align:Middle;width:69.89pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Elected</span></div> <div style="margin-left:8pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">percentage</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.75pt;vertical-align:Middle;width:22.97pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">X</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:2.75pt;vertical-align:Middle;width:60.75pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Eligible</span></div> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">proceeds</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.75pt;vertical-align:Middle;width:22.97pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">X</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:2.75pt;vertical-align:Middle;width:82.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Interest factor</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.75pt;vertical-align:Middle;width:26.3pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">—</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:2.75pt;vertical-align:Middle;width:89.53pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Administrative</span></div> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">fee (up to $150)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.75pt;vertical-align:Middle;width:26.3pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:7.9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">—</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:2.75pt;vertical-align:Middle;width:120.44pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:7.9pt;margin-right:8pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Elected percentage of</span></div> <div style="margin-left:7.9pt;margin-right:8pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">an unpaid policy loan</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">Minimum accelerated benefit amount: $25,000. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Maximum accelerated benefit amount: $250,000 (total for all of your NYLIAC and affiliated companies’ policies). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If you accelerate less than 100% of the eligible proceeds, the remaining Face Amount of your policy after we pay this benefit must be at least $50,000. We do not permit any subsequent acceleration. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">When we make a payment under this rider, we will reduce your policy’s Face Amount, applicable rider death benefits, monthly deductions, Cash Value, and any unpaid policy loan based on the percentage you elected. We will deduct an administrative fee of $150 at the time you exercise the rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Amounts received under this rider generally will be excludable from your gross income under IRC Section 101 (g). The exclusion from gross income will not apply, however, if you are not the insured and if you do not have an insurable interest in the life of the insured either because the insured is your director, officer, or employee, or because the insured has a financial interest in a business of yours. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">In some cases, there may be a question as to whether a life insurance policy that has an accelerated living benefit rider can meet certain technical aspects of the definition of a “life insurance contract” under the IRC. We reserve the right (but we are not obligated) to modify the rider to conform to any requirements the IRS may enact.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Example:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> The following illustrates the benefit available under the Living Benefits Rider, assuming: (1) an Elected Accelerated Benefit of 100% and 50%, respectively; (2) Eligible Proceeds and Face Amount of $250,000; (3) an Interest Factor of 0.9434; (4) an Administrative Fee of $150; and an (5) Outstanding Loan of $5,000:</span><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:51.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:70.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Elected </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Percentage</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Eligible Proceeds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Interest Factor</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Administrative </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Elected </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Percentage x </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Outstanding </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Loan</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Total Accelerated </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Benefit Available</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">((1)x(2)x(3)) - (4) - </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">((1)x(5))</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:70.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">100%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$250,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">0.9434</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$150</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$5,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$230,700</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:70.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">50%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$250,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">0.9434</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$150</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$2,500</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$115,275</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Spouse’s Paid-Up Insurance Purchase Option Rider:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> This rider allows a spouse who is the beneficiary under the policy to purchase a new paid-up whole life insurance policy on his or her own life without evidence of insurability when the insured dies. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The maximum Face Amount of the spouse’s new paid-up whole life policy is the lesser of: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the maximum amount of the Life Insurance Benefit Proceeds payable under this policy (before any unpaid loan is deducted); or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">$5,000,000. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the insured’s spouse dies at the same time as the insured or within 30 days after the insured’s death and does not exercise the option under this rider, we will pay a benefit to the spouse’s estate equal to the maximum amount of insurance coverage that could have been purchased under this rider, minus the premium payment that would have been required for that insurance (cannot exceed a maximum of $2,500,000). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If a third party (including a trust) is the policyowner and beneficiary under the policy, that third party can also exercise the option and purchase a paid-up whole life policy on the life of the spouse. The policyowner must have an insurable interest in the life of the spouse and the spouse must consent to the issuance of the new insurance in writing.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Example:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> The following illustrates the benefit available under the Spouse’s Paid-Up Insurance Purchase Option Rider, assuming Policy Proceeds and Face Amount of $1,000,000 and a request by a Representative Spouse (Male, Age 70, Standard rating) for a new paid-up whole life insurance policy of $100,000 and $500,000 with a Net Single Premium per thousand (NSP) of $772.86:</span><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:40.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:160.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Policy Proceeds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Requested </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Paid-Up </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Insurance Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">NSP for Paid-Up </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Insurance</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Policy Premium </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">for Paid-Up </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Insurance</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Net Policy </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Proceeds</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:160.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,000,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$100,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$772.86</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$77,286</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$1,000,000 - </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$77,286 = </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$922,714</span></div></div></td></tr> <tr style="height:38.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:160.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,000,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$500,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$772.86</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$386,430</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$1,000,000 - </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$386,430 = </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$613,570</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Insurance Exchange Rider: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This rider allows you to exchange the policy for a new NYLIAC variable universal life policy issued on a new insured using the cash values from your original policy. This rider is included in the policy at no additional cost. This rider may only be exercised once under the Policy. To exercise this rider, you must send a completed Insurance Exchange Rider form in Good Order to the VPSC at one of the addresses listed on the first page of this prospectus (or any other address we indicate to you in writing). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">When an exchange is made to a new policy the Cash Value of your policy will be transferred to the new policy and become the Cash Value for the new policy. However, the Cash Surrender Value under the new policy may be different since surrender charges will be based on the new insured’s age and gender. The maximum Face </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Amount of the new policy is the lesser of the Face Amount of the original policy on the Policy Date or the Face Amount of the original policy on the date of the exchange. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Before we can issue the new policy, you must provide us with evidence of insurability on the new insured (which may require full medical underwriting) and have an insurable interest in the new insured. The Policy Date and the Issue Date of the new policy will be the date on which the policy is exchanged. The new cost of insurance rates, premium payments and charges will be based on the new insured’s age, gender, and class of risk at the time the exchange occurs. However, surrender charges on the new policy will be measured from the Policy Date of the original policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Under certain circumstances, you may be required to make a conditional premium payment into the new policy to exercise the exchange rider: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Cash Surrender Value of the new policy will exceed the Cash Surrender Value of the original policy, then a payment equal to 103% of the difference between these two values will be required.</span><span style="font-family:Arial;font-size:10pt;">(2)</span><span style="font-family:Arial;font-size:10pt;">If the Cash Surrender Value of the new policy after the exchange would be zero or less than zero, then a payment in an amount sufficient to keep the new policy in effect for two months following the date of exchange will be required. This payments will be treated as a premium payment into the new policy and will be subject to the charges and conditions applicable to premiums in the new policy. If the conditions specified above are not present at the time the rider is exercised the conditional premium payment will not be required. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The IRS has ruled that an exchange of policies pursuant to this type of rider does not qualify as a tax-deferred exchange under IRC Section 1035. Accordingly, the exercise of your rights under this rider will result in a taxable event. You will be required to include in gross income an amount equal to the gain in the policy. The exercise of your rights under this rider also may result in the new policy’s classification as a modified endowment contract, as discussed in the prospectus. You should consult your tax adviser about the potential adverse tax consequences of exercising your rights under this rider.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Example:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> If an original policy, purchased on a Representative Insured (Male, 40, Premier issue) with a Cash Value of $157,431.84 and Face Amount of $250,000, is exchanged at Policy Year 11 (outside the Surrender Charge Period) for a Policy with the same Cash Value and Face Amount on an Insured (Female 50, Quality), the exchange would result in a decrease in Monthly Deduction Charges. As with the original policy, the policy resulting from the exchange would not be subject to surrender charges.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Overloan Protection Rider:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> Subject to state availability, your policy will include the Overloan Protection Rider. When activated, the Overloan Protection Rider guarantees that your policy will not lapse even if: (1) the policy’s Cash Surrender Value is insufficient to cover the current Monthly Deduction Charges or (2) the policy’s outstanding loans plus accrued loan interest exceed its Cash Value. To activate the Overloan Protection Rider you must provide us with a Request. A one-time charge will be deducted from the policy’s Cash Value on the activation date. There is no charge if the Rider is never activated. In addition, the following conditions must be met upon receipt of your Request: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The policy must be in effect for at least 15 years. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The insured must be at least age 75. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any outstanding loan plus accrued loan interest exceeds the Face Amount of the policy in effect at the time of activation. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any outstanding loan plus accrued loan interest must be less than 99% of the policy Cash Value after the deduction of any surrender charges and the one-time rider charge. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Activation of the rider cannot cause the policy to violate IRC Section 7702 at any duration. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Cumulative partial surrenders taken must be no less than the total premiums paid under the policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The policy is not a modified endowment contract (MEC) and would not become a MEC upon activation of the rider. (For a discussion of these rules, see “Federal Income Tax Considerations—Modified Endowment Contract Status”). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">For purposes of this rider, the Life Insurance Benefit under the Policy is referred to as Life Insurance Benefit Option 1. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Once the policy meets the conditions outlined above, we will mail a notice to you at your last known address to notify you that the Overloan Protection Rider can be activated. The Overloan Protection Rider will be effective on the Monthly Deduction Day following the day we receive your Request to activate, provided that the policy still meets the conditions for rider activation. Once in effect, the Overloan Protection Rider will prevent your policy from ending. The following changes to your policy will take effect. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Face Amount of the policy will be changed to 101% of the policy’s Cash Value (the “OLP Face Amount”). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The policy’s Life Insurance Proceeds will be the greater of: A or (B x C) where: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A =The OLP Face Amount calculated at rider activation; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">B =the greater of: (i) the policy’s Cash Value, or (ii) any outstanding loans plus accrued loan interest; and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">C = the greater of 101% or the minimum percentage necessary for the policy to qualify as life insurance under IRC Section 7702. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any Cash Value under the policy that is not invested in the Fixed Account will be transferred to the Fixed Account. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any riders, except the Overloan Protection Rider and the Spouse’s Paid-Up Insurance Purchase Option Rider, will end. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No further policy changes, premium payments, transfers, partial surrenders, or full surrenders will be allowed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No additional loans (except those resulting from unpaid loan interest) or loan repayments will be permitted. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Loan interest will continue to accrue. If not paid when due, the interest will become part of any outstanding loan and will also accrue interest. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No further Monthly Deduction Charges will be taken. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This policy may be purchased with the intention of accumulating cash value on a tax-free basis over some period (such as retirement) and relying on the Overloan Protection Rider to periodically borrow from the Policy without allowing the Policy to lapse. Anyone contemplating the purchase of the Policy with the intention of pursuing this strategy or otherwise exercising the “overloan protection” provided under the Overloan Protection Rider should be aware that, among other risks, it has not been ruled on by the IRS or the courts and it may be subject to challenge by the IRS, since it is possible that the loans will be treated as taxable distributions when the Overloan Protection Rider is activated. For this reason, you should consider very carefully, after consultation with your tax advisor, whether to exercise the Overloan Protection Rider.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Example</span><span style="color:#000000;font-family:Arial;font-size:10pt;">:For a Policy with the following policy values at Attained Age 90:</span><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:74.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:146.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Face Amount (FA)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:71pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Life </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Insurance</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:56pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Separate </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Account </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(SAV)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:56pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Fixed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Account </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(FAV)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:56pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Cash </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(CV)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(SAV + </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">FAV)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:68pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Outstanding </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Loans (plus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Accrued </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Loan </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Interest)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(L)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:68.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Cash </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Surrender </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value (CV - </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">L)*</span></div></div></td></tr> <tr style="height:15.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:146.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$1,000,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:71pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,378,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:56pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,200,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:56pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$100,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:56pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,300,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:68pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,000,500</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:68.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$299,500 </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The activation of the rider will result in: (1) the assessment of a one-time Overloan Protection Rider Fee of $45,500 </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3.5% of the Cash Value of $1,300,000)—a fee that will vary based on Attained Age and deducted from the Cash Value and (2) the following changes to the policy:</span><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:63.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:146.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Face Amount</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:71pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Life </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Insurance </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:56pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Separate </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Account </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(SAV)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:56pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Fixed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Account </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(FAV)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:56pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Cash </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(CV)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(SAV + </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">FAV)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:68pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Outstanding </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Loans (plus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Accrued </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Loan </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Interest) (L)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:68.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Cash </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Surrender </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value (CV - </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">L)*</span></div></div></td></tr> <tr style="height:15.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:146.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$1,267,045</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:71pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,329,770</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:56pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$0</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:56pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,254,500</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:56pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,254,500</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:68pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,000,500</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:68.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$254,000</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The activation of the rider increases the Face Amount by making it 101% of the Cash Value –calculated as the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">greater of the Face Amount ($1,267,045) or the policy’s Cash Value, multiplied by the minimum percentage necessary for the policy to qualify as life insurance under IRC Section 7702 ($1,254,500 x 1.06) or $1,329,770. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">*No surrender charges apply.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Age 121 Policy Anniversary</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Beginning on the policy anniversary on which the insured is age 121, the Life Insurance Benefit will remain in force </span><span style="color:#000000;font-family:Arial;font-size:10pt;">for all subsequent years, but the following limitations will apply: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No further Planned or Unplanned Premiums will be allowed, except as needed to keep your policy from lapsing. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No Face Amount decreases will be permitted. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(c)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Other than the Mortality and Expense Risk Charge, no further monthly deductions will be made from your Cash Value. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(d)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Your Cash Value will continue to be invested in the Investment Options chosen by the policyowner. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(e)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Transfers among the Investment Options will continue to be allowed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(f)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Partial surrenders and loan repayments will continue to be allowed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(g)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">New policy loans may be requested and loan interest will continue to accrue on any new and existing loans at the current Loan Interest Rate. However, if the amount of any unpaid loans (including any accrued loan interest) is greater than the Cash Value of your policy minus surrender charges, your policy could lapse. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(h)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any other riders attached to your policy will end, unless stated otherwise in the rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Please consult your tax advisor regarding the tax implications of these options. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If your policy is still in effect when the insured dies, we will pay the Life Insurance Proceeds to the beneficiary.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Tax-Free “Section 1035” Insurance Policy Exchanges</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Generally, you can exchange one life insurance policy for another in a “tax-free exchange” under IRC Section 1035. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Before making an exchange, you should compare both policies carefully. Remember that if you exchange another policy for the one described in this prospectus, you might have to pay a surrender charge on your old policy. Also, some charges may be higher (or lower), and the benefits may be different. If the exchange does not qualify for IRC Section 1035 treatment, you may have to pay federal income and penalty taxes on the exchange. You should not exchange another policy for this one unless you determine, after knowing all of the facts, that the exchange is in your best interest. New York Life may accept standard electronic instructions from another insurance carrier for the purposes of effecting an IRC Section 1035 exchange. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Because the final surrender value of your existing policy will be calculated once the new life insurance policy has </span><span style="color:#000000;font-family:Arial;font-size:10pt;">been approved for issuance, this final surrender value may be impacted by increases or decreases in policy values that result from market fluctuations during the period between submission of the exchange request and actual processing. The final surrender value may be calculated several Business Days after we receive your exchange </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Request. Please consult your current insurer for options to potentially mitigate market exposure during this period. In addition, as we will not issue the new policy until we have received an Initial Premium from your existing insurance company, the issuance of the policy in an exchange could be delayed. The ACSV is not available for IRC Section 1035 exchanges to another life insurance policy. If you chose to exchange another life insurance policy for this one in a "tax-free exchange" under IRC Section 1035, funds resulting from the exchange will not count toward the Initial Premium required under this policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">24-Month Exchange Privilege</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Within the first 24 months after the Issue Date of your policy, if you decide that you do not want to own a variable </span><span style="color:#000000;font-family:Arial;font-size:10pt;">policy, you may exchange it for a new policy on the life of the Insured without evidence of insurability and without a Surrender Charge deduction. </span><span style="font-family:Arial;font-size:10pt;margin-left:12pt;">The new policy will be on a permanent plan of life insurance, which we were offering for this purpose on the Issue </span><span style="font-family:Arial;font-size:10pt;">Date of this VUL Policy. The new policy will have a face amount equal to the initial Face Amount of this Policy. It will be based on the same Policy Date, Insured's class of risk, gender, and Issue Age as this Policy, but will not offer variable investment options such as the Investment Divisions. The new policy will have the same provisions and be subject to the same limitations as are in the series of permanent plan life insurance policies being issued by us on that date. All riders attached to this Policy will end on the date of exchange, unless we agree otherwise. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">To exchange your policy: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">your policy must be in force on the date of the exchange; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">you must repay any unpaid loan (including any accrued loan interest); and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">you must submit a Request. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">We will process your request for an exchange on the later of: (1) the Business Day on which we receive your </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Request along with your policy, or (2) the Business Day on which we receive the necessary loan payment for your exchange in Good Order at the VPSC at one of the addresses listed on the first page of this prospectus (or any other address we indicate to you in writing). The policy exchange will be effective on the later of these two dates. The amount applied to your new policy will be the policy’s Cash Value plus a refund of all Cost of Insurance Charges, Administrative  Charges, Premium Expense Charges and any rider charges taken as of the date of the exchange. We will not refund Mortality and Expense Risk Charges, or Contract Charges. Because policy values may increase or decrease due to market fluctuations during the period between submission of the exchange request and actual processing, the Cash Value applied to your new policy may be impacted. Please consult your registered representative for options to potentially mitigate market exposure during the time it will take to process the exchange. We will require you to make any adjustment to the premiums and Cash Value of your variable policy and the new policy, if necessary. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">When you exchange your policy, all riders and benefits for that policy will end, unless otherwise required by law. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Requests received after 4:00 pm (Eastern Time) on a Business Day, or on a non-Business Day, will be processed as of the next Business Day.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Spouse’s Paid-Up Insurance Purchase Option Rider:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> This rider allows a spouse who is the beneficiary under the policy to purchase a new paid-up whole life insurance policy on his or her own life without evidence of insurability when the insured dies. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The maximum Face Amount of the spouse’s new paid-up whole life policy is the lesser of: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the maximum amount of the Life Insurance Benefit Proceeds payable under this policy (before any unpaid loan is deducted); or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">$5,000,000. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the insured’s spouse dies at the same time as the insured or within 30 days after the insured’s death and does not exercise the option under this rider, we will pay a benefit to the spouse’s estate equal to the maximum amount of insurance coverage that could have been purchased under this rider, minus the premium payment that would have been required for that insurance (cannot exceed a maximum of $2,500,000). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If a third party (including a trust) is the policyowner and beneficiary under the policy, that third party can also exercise the option and purchase a paid-up whole life policy on the life of the spouse. The policyowner must have an insurable interest in the life of the spouse and the spouse must consent to the issuance of the new insurance in writing.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Example:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> The following illustrates the benefit available under the Spouse’s Paid-Up Insurance Purchase Option Rider, assuming Policy Proceeds and Face Amount of $1,000,000 and a request by a Representative Spouse (Male, Age 70, Standard rating) for a new paid-up whole life insurance policy of $100,000 and $500,000 with a Net Single Premium per thousand (NSP) of $772.86:</span><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:40.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:160.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Policy Proceeds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Requested </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Paid-Up </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Insurance Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">NSP for Paid-Up </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Insurance</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Policy Premium </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">for Paid-Up </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Insurance</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Net Policy </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Proceeds</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:160.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,000,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$100,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$772.86</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$77,286</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$1,000,000 - </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$77,286 = </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$922,714</span></div></div></td></tr> <tr style="height:38.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:160.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,000,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$500,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$772.86</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$386,430</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$1,000,000 - </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$386,430 = </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$613,570</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Insurance Exchange Rider: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This rider allows you to exchange the policy for a new NYLIAC variable universal life policy issued on a new insured using the cash values from your original policy. This rider is included in the policy at no additional cost. This rider may only be exercised once under the Policy. To exercise this rider, you must send a completed Insurance Exchange Rider form in Good Order to the VPSC at one of the addresses listed on the first page of this prospectus (or any other address we indicate to you in writing). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">When an exchange is made to a new policy the Cash Value of your policy will be transferred to the new policy and become the Cash Value for the new policy. However, the Cash Surrender Value under the new policy may be different since surrender charges will be based on the new insured’s age and gender. The maximum Face </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Amount of the new policy is the lesser of the Face Amount of the original policy on the Policy Date or the Face Amount of the original policy on the date of the exchange. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Before we can issue the new policy, you must provide us with evidence of insurability on the new insured (which may require full medical underwriting) and have an insurable interest in the new insured. The Policy Date and the Issue Date of the new policy will be the date on which the policy is exchanged. The new cost of insurance rates, premium payments and charges will be based on the new insured’s age, gender, and class of risk at the time the exchange occurs. However, surrender charges on the new policy will be measured from the Policy Date of the original policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Under certain circumstances, you may be required to make a conditional premium payment into the new policy to exercise the exchange rider: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Cash Surrender Value of the new policy will exceed the Cash Surrender Value of the original policy, then a payment equal to 103% of the difference between these two values will be required.</span><span style="font-family:Arial;font-size:10pt;">(2)</span><span style="font-family:Arial;font-size:10pt;">If the Cash Surrender Value of the new policy after the exchange would be zero or less than zero, then a payment in an amount sufficient to keep the new policy in effect for two months following the date of exchange will be required. This payments will be treated as a premium payment into the new policy and will be subject to the charges and conditions applicable to premiums in the new policy. If the conditions specified above are not present at the time the rider is exercised the conditional premium payment will not be required. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The IRS has ruled that an exchange of policies pursuant to this type of rider does not qualify as a tax-deferred exchange under IRC Section 1035. Accordingly, the exercise of your rights under this rider will result in a taxable event. You will be required to include in gross income an amount equal to the gain in the policy. The exercise of your rights under this rider also may result in the new policy’s classification as a modified endowment contract, as discussed in the prospectus. You should consult your tax adviser about the potential adverse tax consequences of exercising your rights under this rider.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Example:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> If an original policy, purchased on a Representative Insured (Male, 40, Premier issue) with a Cash Value of $157,431.84 and Face Amount of $250,000, is exchanged at Policy Year 11 (outside the Surrender Charge Period) for a Policy with the same Cash Value and Face Amount on an Insured (Female 50, Quality), the exchange would result in a decrease in Monthly Deduction Charges. As with the original policy, the policy resulting from the exchange would not be subject to surrender charges.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Overloan Protection Rider:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> Subject to state availability, your policy will include the Overloan Protection Rider. When activated, the Overloan Protection Rider guarantees that your policy will not lapse even if: (1) the policy’s Cash Surrender Value is insufficient to cover the current Monthly Deduction Charges or (2) the policy’s outstanding loans plus accrued loan interest exceed its Cash Value. To activate the Overloan Protection Rider you must provide us with a Request. A one-time charge will be deducted from the policy’s Cash Value on the activation date. There is no charge if the Rider is never activated. In addition, the following conditions must be met upon receipt of your Request: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The policy must be in effect for at least 15 years. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The insured must be at least age 75. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any outstanding loan plus accrued loan interest exceeds the Face Amount of the policy in effect at the time of activation. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any outstanding loan plus accrued loan interest must be less than 99% of the policy Cash Value after the deduction of any surrender charges and the one-time rider charge. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Activation of the rider cannot cause the policy to violate IRC Section 7702 at any duration. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Cumulative partial surrenders taken must be no less than the total premiums paid under the policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The policy is not a modified endowment contract (MEC) and would not become a MEC upon activation of the rider. (For a discussion of these rules, see “Federal Income Tax Considerations—Modified Endowment Contract Status”). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">For purposes of this rider, the Life Insurance Benefit under the Policy is referred to as Life Insurance Benefit Option 1. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Once the policy meets the conditions outlined above, we will mail a notice to you at your last known address to notify you that the Overloan Protection Rider can be activated. The Overloan Protection Rider will be effective on the Monthly Deduction Day following the day we receive your Request to activate, provided that the policy still meets the conditions for rider activation. Once in effect, the Overloan Protection Rider will prevent your policy from ending. The following changes to your policy will take effect. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Face Amount of the policy will be changed to 101% of the policy’s Cash Value (the “OLP Face Amount”). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The policy’s Life Insurance Proceeds will be the greater of: A or (B x C) where: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A =The OLP Face Amount calculated at rider activation; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">B =the greater of: (i) the policy’s Cash Value, or (ii) any outstanding loans plus accrued loan interest; and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">C = the greater of 101% or the minimum percentage necessary for the policy to qualify as life insurance under IRC Section 7702. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any Cash Value under the policy that is not invested in the Fixed Account will be transferred to the Fixed Account. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any riders, except the Overloan Protection Rider and the Spouse’s Paid-Up Insurance Purchase Option Rider, will end. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No further policy changes, premium payments, transfers, partial surrenders, or full surrenders will be allowed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No additional loans (except those resulting from unpaid loan interest) or loan repayments will be permitted. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Loan interest will continue to accrue. If not paid when due, the interest will become part of any outstanding loan and will also accrue interest. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No further Monthly Deduction Charges will be taken. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This policy may be purchased with the intention of accumulating cash value on a tax-free basis over some period (such as retirement) and relying on the Overloan Protection Rider to periodically borrow from the Policy without allowing the Policy to lapse. Anyone contemplating the purchase of the Policy with the intention of pursuing this strategy or otherwise exercising the “overloan protection” provided under the Overloan Protection Rider should be aware that, among other risks, it has not been ruled on by the IRS or the courts and it may be subject to challenge by the IRS, since it is possible that the loans will be treated as taxable distributions when the Overloan Protection Rider is activated. For this reason, you should consider very carefully, after consultation with your tax advisor, whether to exercise the Overloan Protection Rider.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Example</span><span style="color:#000000;font-family:Arial;font-size:10pt;">:For a Policy with the following policy values at Attained Age 90:</span><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:74.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:146.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Face Amount (FA)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:71pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Life </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Insurance</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:56pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Separate </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Account </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(SAV)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:56pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Fixed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Account </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(FAV)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:56pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Cash </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(CV)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(SAV + </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">FAV)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:68pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Outstanding </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Loans (plus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Accrued </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Loan </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Interest)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(L)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:68.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Cash </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Surrender </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value (CV - </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">L)*</span></div></div></td></tr> <tr style="height:15.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:146.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$1,000,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:71pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,378,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:56pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,200,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:56pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$100,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:56pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,300,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:68pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,000,500</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:68.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$299,500 </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The activation of the rider will result in: (1) the assessment of a one-time Overloan Protection Rider Fee of $45,500 </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3.5% of the Cash Value of $1,300,000)—a fee that will vary based on Attained Age and deducted from the Cash Value and (2) the following changes to the policy:</span><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:63.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:146.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Face Amount</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:71pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Life </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Insurance </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:56pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Separate </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Account </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(SAV)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:56pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Fixed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Account </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(FAV)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:56pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Cash </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(CV)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(SAV + </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">FAV)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:68pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Outstanding </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Loans (plus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Accrued </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Loan </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Interest) (L)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:68.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Cash </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Surrender </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value (CV - </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">L)*</span></div></div></td></tr> <tr style="height:15.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:146.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$1,267,045</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:71pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,329,770</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:56pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$0</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:56pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,254,500</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:56pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,254,500</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:68pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,000,500</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:68.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$254,000</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The activation of the rider increases the Face Amount by making it 101% of the Cash Value –calculated as the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">greater of the Face Amount ($1,267,045) or the policy’s Cash Value, multiplied by the minimum percentage necessary for the policy to qualify as life insurance under IRC Section 7702 ($1,254,500 x 1.06) or $1,329,770. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">*No surrender charges apply.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Age 121 Policy Anniversary</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Beginning on the policy anniversary on which the insured is age 121, the Life Insurance Benefit will remain in force </span><span style="color:#000000;font-family:Arial;font-size:10pt;">for all subsequent years, but the following limitations will apply: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No further Planned or Unplanned Premiums will be allowed, except as needed to keep your policy from lapsing. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No Face Amount decreases will be permitted. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(c)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Other than the Mortality and Expense Risk Charge, no further monthly deductions will be made from your Cash Value. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(d)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Your Cash Value will continue to be invested in the Investment Options chosen by the policyowner. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(e)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Transfers among the Investment Options will continue to be allowed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(f)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Partial surrenders and loan repayments will continue to be allowed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(g)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">New policy loans may be requested and loan interest will continue to accrue on any new and existing loans at the current Loan Interest Rate. However, if the amount of any unpaid loans (including any accrued loan interest) is greater than the Cash Value of your policy minus surrender charges, your policy could lapse. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(h)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any other riders attached to your policy will end, unless stated otherwise in the rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Please consult your tax advisor regarding the tax implications of these options. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If your policy is still in effect when the insured dies, we will pay the Life Insurance Proceeds to the beneficiary.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Tax-Free “Section 1035” Insurance Policy Exchanges</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Generally, you can exchange one life insurance policy for another in a “tax-free exchange” under IRC Section 1035. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Before making an exchange, you should compare both policies carefully. Remember that if you exchange another policy for the one described in this prospectus, you might have to pay a surrender charge on your old policy. Also, some charges may be higher (or lower), and the benefits may be different. If the exchange does not qualify for IRC Section 1035 treatment, you may have to pay federal income and penalty taxes on the exchange. You should not exchange another policy for this one unless you determine, after knowing all of the facts, that the exchange is in your best interest. New York Life may accept standard electronic instructions from another insurance carrier for the purposes of effecting an IRC Section 1035 exchange. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Because the final surrender value of your existing policy will be calculated once the new life insurance policy has </span><span style="color:#000000;font-family:Arial;font-size:10pt;">been approved for issuance, this final surrender value may be impacted by increases or decreases in policy values that result from market fluctuations during the period between submission of the exchange request and actual processing. The final surrender value may be calculated several Business Days after we receive your exchange </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Request. Please consult your current insurer for options to potentially mitigate market exposure during this period. In addition, as we will not issue the new policy until we have received an Initial Premium from your existing insurance company, the issuance of the policy in an exchange could be delayed. The ACSV is not available for IRC Section 1035 exchanges to another life insurance policy. If you chose to exchange another life insurance policy for this one in a "tax-free exchange" under IRC Section 1035, funds resulting from the exchange will not count toward the Initial Premium required under this policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">24-Month Exchange Privilege</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Within the first 24 months after the Issue Date of your policy, if you decide that you do not want to own a variable </span><span style="color:#000000;font-family:Arial;font-size:10pt;">policy, you may exchange it for a new policy on the life of the Insured without evidence of insurability and without a Surrender Charge deduction. </span><span style="font-family:Arial;font-size:10pt;margin-left:12pt;">The new policy will be on a permanent plan of life insurance, which we were offering for this purpose on the Issue </span><span style="font-family:Arial;font-size:10pt;">Date of this VUL Policy. The new policy will have a face amount equal to the initial Face Amount of this Policy. It will be based on the same Policy Date, Insured's class of risk, gender, and Issue Age as this Policy, but will not offer variable investment options such as the Investment Divisions. The new policy will have the same provisions and be subject to the same limitations as are in the series of permanent plan life insurance policies being issued by us on that date. All riders attached to this Policy will end on the date of exchange, unless we agree otherwise. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">To exchange your policy: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">your policy must be in force on the date of the exchange; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">you must repay any unpaid loan (including any accrued loan interest); and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">you must submit a Request. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">We will process your request for an exchange on the later of: (1) the Business Day on which we receive your </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Request along with your policy, or (2) the Business Day on which we receive the necessary loan payment for your exchange in Good Order at the VPSC at one of the addresses listed on the first page of this prospectus (or any other address we indicate to you in writing). The policy exchange will be effective on the later of these two dates. The amount applied to your new policy will be the policy’s Cash Value plus a refund of all Cost of Insurance Charges, Administrative  Charges, Premium Expense Charges and any rider charges taken as of the date of the exchange. We will not refund Mortality and Expense Risk Charges, or Contract Charges. Because policy values may increase or decrease due to market fluctuations during the period between submission of the exchange request and actual processing, the Cash Value applied to your new policy may be impacted. Please consult your registered representative for options to potentially mitigate market exposure during the time it will take to process the exchange. We will require you to make any adjustment to the premiums and Cash Value of your variable policy and the new policy, if necessary. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">When you exchange your policy, all riders and benefits for that policy will end, unless otherwise required by law. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Requests received after 4:00 pm (Eastern Time) on a Business Day, or on a non-Business Day, will be processed as of the next Business Day.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Insurance Exchange Rider: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This rider allows you to exchange the policy for a new NYLIAC variable universal life policy issued on a new insured using the cash values from your original policy. This rider is included in the policy at no additional cost. This rider may only be exercised once under the Policy. To exercise this rider, you must send a completed Insurance Exchange Rider form in Good Order to the VPSC at one of the addresses listed on the first page of this prospectus (or any other address we indicate to you in writing). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">When an exchange is made to a new policy the Cash Value of your policy will be transferred to the new policy and become the Cash Value for the new policy. However, the Cash Surrender Value under the new policy may be different since surrender charges will be based on the new insured’s age and gender. The maximum Face </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Amount of the new policy is the lesser of the Face Amount of the original policy on the Policy Date or the Face Amount of the original policy on the date of the exchange. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Before we can issue the new policy, you must provide us with evidence of insurability on the new insured (which may require full medical underwriting) and have an insurable interest in the new insured. The Policy Date and the Issue Date of the new policy will be the date on which the policy is exchanged. The new cost of insurance rates, premium payments and charges will be based on the new insured’s age, gender, and class of risk at the time the exchange occurs. However, surrender charges on the new policy will be measured from the Policy Date of the original policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Under certain circumstances, you may be required to make a conditional premium payment into the new policy to exercise the exchange rider: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Cash Surrender Value of the new policy will exceed the Cash Surrender Value of the original policy, then a payment equal to 103% of the difference between these two values will be required.</span><span style="font-family:Arial;font-size:10pt;">(2)</span><span style="font-family:Arial;font-size:10pt;">If the Cash Surrender Value of the new policy after the exchange would be zero or less than zero, then a payment in an amount sufficient to keep the new policy in effect for two months following the date of exchange will be required. This payments will be treated as a premium payment into the new policy and will be subject to the charges and conditions applicable to premiums in the new policy. If the conditions specified above are not present at the time the rider is exercised the conditional premium payment will not be required. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The IRS has ruled that an exchange of policies pursuant to this type of rider does not qualify as a tax-deferred exchange under IRC Section 1035. Accordingly, the exercise of your rights under this rider will result in a taxable event. You will be required to include in gross income an amount equal to the gain in the policy. The exercise of your rights under this rider also may result in the new policy’s classification as a modified endowment contract, as discussed in the prospectus. You should consult your tax adviser about the potential adverse tax consequences of exercising your rights under this rider.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Example:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> If an original policy, purchased on a Representative Insured (Male, 40, Premier issue) with a Cash Value of $157,431.84 and Face Amount of $250,000, is exchanged at Policy Year 11 (outside the Surrender Charge Period) for a Policy with the same Cash Value and Face Amount on an Insured (Female 50, Quality), the exchange would result in a decrease in Monthly Deduction Charges. As with the original policy, the policy resulting from the exchange would not be subject to surrender charges.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Overloan Protection Rider:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> Subject to state availability, your policy will include the Overloan Protection Rider. When activated, the Overloan Protection Rider guarantees that your policy will not lapse even if: (1) the policy’s Cash Surrender Value is insufficient to cover the current Monthly Deduction Charges or (2) the policy’s outstanding loans plus accrued loan interest exceed its Cash Value. To activate the Overloan Protection Rider you must provide us with a Request. A one-time charge will be deducted from the policy’s Cash Value on the activation date. There is no charge if the Rider is never activated. In addition, the following conditions must be met upon receipt of your Request: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The policy must be in effect for at least 15 years. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The insured must be at least age 75. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any outstanding loan plus accrued loan interest exceeds the Face Amount of the policy in effect at the time of activation. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any outstanding loan plus accrued loan interest must be less than 99% of the policy Cash Value after the deduction of any surrender charges and the one-time rider charge. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Activation of the rider cannot cause the policy to violate IRC Section 7702 at any duration. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Cumulative partial surrenders taken must be no less than the total premiums paid under the policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The policy is not a modified endowment contract (MEC) and would not become a MEC upon activation of the rider. (For a discussion of these rules, see “Federal Income Tax Considerations—Modified Endowment Contract Status”). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">For purposes of this rider, the Life Insurance Benefit under the Policy is referred to as Life Insurance Benefit Option 1. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Once the policy meets the conditions outlined above, we will mail a notice to you at your last known address to notify you that the Overloan Protection Rider can be activated. The Overloan Protection Rider will be effective on the Monthly Deduction Day following the day we receive your Request to activate, provided that the policy still meets the conditions for rider activation. Once in effect, the Overloan Protection Rider will prevent your policy from ending. The following changes to your policy will take effect. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Face Amount of the policy will be changed to 101% of the policy’s Cash Value (the “OLP Face Amount”). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The policy’s Life Insurance Proceeds will be the greater of: A or (B x C) where: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A =The OLP Face Amount calculated at rider activation; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">B =the greater of: (i) the policy’s Cash Value, or (ii) any outstanding loans plus accrued loan interest; and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">C = the greater of 101% or the minimum percentage necessary for the policy to qualify as life insurance under IRC Section 7702. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any Cash Value under the policy that is not invested in the Fixed Account will be transferred to the Fixed Account. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any riders, except the Overloan Protection Rider and the Spouse’s Paid-Up Insurance Purchase Option Rider, will end. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No further policy changes, premium payments, transfers, partial surrenders, or full surrenders will be allowed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No additional loans (except those resulting from unpaid loan interest) or loan repayments will be permitted. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Loan interest will continue to accrue. If not paid when due, the interest will become part of any outstanding loan and will also accrue interest. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No further Monthly Deduction Charges will be taken. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This policy may be purchased with the intention of accumulating cash value on a tax-free basis over some period (such as retirement) and relying on the Overloan Protection Rider to periodically borrow from the Policy without allowing the Policy to lapse. Anyone contemplating the purchase of the Policy with the intention of pursuing this strategy or otherwise exercising the “overloan protection” provided under the Overloan Protection Rider should be aware that, among other risks, it has not been ruled on by the IRS or the courts and it may be subject to challenge by the IRS, since it is possible that the loans will be treated as taxable distributions when the Overloan Protection Rider is activated. For this reason, you should consider very carefully, after consultation with your tax advisor, whether to exercise the Overloan Protection Rider.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Example</span><span style="color:#000000;font-family:Arial;font-size:10pt;">:For a Policy with the following policy values at Attained Age 90:</span><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:74.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:146.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Face Amount (FA)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:71pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Life </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Insurance</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:56pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Separate </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Account </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(SAV)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:56pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Fixed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Account </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(FAV)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:56pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Cash </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(CV)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(SAV + </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">FAV)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:68pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Outstanding </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Loans (plus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Accrued </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Loan </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Interest)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(L)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:68.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Cash </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Surrender </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value (CV - </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">L)*</span></div></div></td></tr> <tr style="height:15.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:146.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$1,000,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:71pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,378,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:56pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,200,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:56pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$100,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:56pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,300,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:68pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,000,500</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:68.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$299,500 </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The activation of the rider will result in: (1) the assessment of a one-time Overloan Protection Rider Fee of $45,500 </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3.5% of the Cash Value of $1,300,000)—a fee that will vary based on Attained Age and deducted from the Cash Value and (2) the following changes to the policy:</span><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:63.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:146.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Face Amount</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:71pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Life </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Insurance </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:56pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Separate </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Account </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(SAV)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:56pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Fixed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Account </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(FAV)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:56pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Cash </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(CV)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">(SAV + </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">FAV)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:68pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Outstanding </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Loans (plus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Accrued </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Loan </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Interest) (L)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:68.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Cash </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Surrender </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value (CV - </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">L)*</span></div></div></td></tr> <tr style="height:15.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:146.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$1,267,045</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:71pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,329,770</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:56pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$0</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:56pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,254,500</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:56pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,254,500</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:68pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$1,000,500</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:68.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$254,000</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The activation of the rider increases the Face Amount by making it 101% of the Cash Value –calculated as the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">greater of the Face Amount ($1,267,045) or the policy’s Cash Value, multiplied by the minimum percentage necessary for the policy to qualify as life insurance under IRC Section 7702 ($1,254,500 x 1.06) or $1,329,770. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">*No surrender charges apply.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Age 121 Policy Anniversary</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Beginning on the policy anniversary on which the insured is age 121, the Life Insurance Benefit will remain in force </span><span style="color:#000000;font-family:Arial;font-size:10pt;">for all subsequent years, but the following limitations will apply: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No further Planned or Unplanned Premiums will be allowed, except as needed to keep your policy from lapsing. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No Face Amount decreases will be permitted. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(c)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Other than the Mortality and Expense Risk Charge, no further monthly deductions will be made from your Cash Value. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(d)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Your Cash Value will continue to be invested in the Investment Options chosen by the policyowner. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(e)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Transfers among the Investment Options will continue to be allowed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(f)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Partial surrenders and loan repayments will continue to be allowed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(g)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">New policy loans may be requested and loan interest will continue to accrue on any new and existing loans at the current Loan Interest Rate. However, if the amount of any unpaid loans (including any accrued loan interest) is greater than the Cash Value of your policy minus surrender charges, your policy could lapse. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(h)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any other riders attached to your policy will end, unless stated otherwise in the rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Please consult your tax advisor regarding the tax implications of these options. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If your policy is still in effect when the insured dies, we will pay the Life Insurance Proceeds to the beneficiary.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Tax-Free “Section 1035” Insurance Policy Exchanges</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Generally, you can exchange one life insurance policy for another in a “tax-free exchange” under IRC Section 1035. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Before making an exchange, you should compare both policies carefully. Remember that if you exchange another policy for the one described in this prospectus, you might have to pay a surrender charge on your old policy. Also, some charges may be higher (or lower), and the benefits may be different. If the exchange does not qualify for IRC Section 1035 treatment, you may have to pay federal income and penalty taxes on the exchange. You should not exchange another policy for this one unless you determine, after knowing all of the facts, that the exchange is in your best interest. New York Life may accept standard electronic instructions from another insurance carrier for the purposes of effecting an IRC Section 1035 exchange. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Because the final surrender value of your existing policy will be calculated once the new life insurance policy has </span><span style="color:#000000;font-family:Arial;font-size:10pt;">been approved for issuance, this final surrender value may be impacted by increases or decreases in policy values that result from market fluctuations during the period between submission of the exchange request and actual processing. The final surrender value may be calculated several Business Days after we receive your exchange </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Request. Please consult your current insurer for options to potentially mitigate market exposure during this period. In addition, as we will not issue the new policy until we have received an Initial Premium from your existing insurance company, the issuance of the policy in an exchange could be delayed. The ACSV is not available for IRC Section 1035 exchanges to another life insurance policy. If you chose to exchange another life insurance policy for this one in a "tax-free exchange" under IRC Section 1035, funds resulting from the exchange will not count toward the Initial Premium required under this policy.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">24-Month Exchange Privilege</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Within the first 24 months after the Issue Date of your policy, if you decide that you do not want to own a variable </span><span style="color:#000000;font-family:Arial;font-size:10pt;">policy, you may exchange it for a new policy on the life of the Insured without evidence of insurability and without a Surrender Charge deduction. </span><span style="font-family:Arial;font-size:10pt;margin-left:12pt;">The new policy will be on a permanent plan of life insurance, which we were offering for this purpose on the Issue </span><span style="font-family:Arial;font-size:10pt;">Date of this VUL Policy. The new policy will have a face amount equal to the initial Face Amount of this Policy. It will be based on the same Policy Date, Insured's class of risk, gender, and Issue Age as this Policy, but will not offer variable investment options such as the Investment Divisions. The new policy will have the same provisions and be subject to the same limitations as are in the series of permanent plan life insurance policies being issued by us on that date. All riders attached to this Policy will end on the date of exchange, unless we agree otherwise. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">To exchange your policy: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">your policy must be in force on the date of the exchange; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">you must repay any unpaid loan (including any accrued loan interest); and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">you must submit a Request. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">We will process your request for an exchange on the later of: (1) the Business Day on which we receive your </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Request along with your policy, or (2) the Business Day on which we receive the necessary loan payment for your exchange in Good Order at the VPSC at one of the addresses listed on the first page of this prospectus (or any other address we indicate to you in writing). The policy exchange will be effective on the later of these two dates. The amount applied to your new policy will be the policy’s Cash Value plus a refund of all Cost of Insurance Charges, Administrative  Charges, Premium Expense Charges and any rider charges taken as of the date of the exchange. We will not refund Mortality and Expense Risk Charges, or Contract Charges. Because policy values may increase or decrease due to market fluctuations during the period between submission of the exchange request and actual processing, the Cash Value applied to your new policy may be impacted. Please consult your registered representative for options to potentially mitigate market exposure during the time it will take to process the exchange. We will require you to make any adjustment to the premiums and Cash Value of your variable policy and the new policy, if necessary. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">When you exchange your policy, all riders and benefits for that policy will end, unless otherwise required by law. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Requests received after 4:00 pm (Eastern Time) on a Business Day, or on a non-Business Day, will be processed as of the next Business Day.</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;text-transform:uppercase;">Policy Payment Information</span> <hr style="background-color:#000000;height:2pt;margin-bottom:2pt;margin-left:0%;margin-top:1.0pt;text-align:left;top:12pt;width:522pt;"/><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">When Life Insurance Coverage Begins</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If you have coverage under a conditional temporary agreement and if the policy is issued, the policy will replace </span><span style="color:#000000;font-family:Arial;font-size:10pt;">the temporary coverage. Your coverage under the policy will be deemed to have begun on the Policy Date. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">In all other cases, if the policy is issued, coverage under the policy will take effect when we receive the full </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Initial Premium payment in Good Order that you are required to make when the policy is delivered to you. You can call 1-800-598-2019 to determine if we have received your premium payment. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The monthly deduction of charges will begin on the first Monthly Deduction Day, which will be the monthly </span><span style="color:#000000;font-family:Arial;font-size:10pt;">anniversary of the Policy Date on or following the later of the Issue Date or the date we receive the full Initial Premium payment in Good Order. If the Policy Date is prior to the later of the Issue Date or the date we receive the full Initial Premium payment, the deductions made on the first Monthly Deduction Day will cover the period from the Policy Date until the first Monthly Deduction Day.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Changing The Face Amount Of Your Policy</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Under certain circumstances, you may decrease the Face Amount of your Policy subject to the minimum Face </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Amount limitations shown in the Additional Policy Information section of your Policy Specifications Pages. If you decrease the Face Amount, you may be subject to increased Cost of Insurance Rates which in no event will be higher than the Maximum Cost of Insurance Rates in your Policy Specifications Pages. The Face Amount of your policy affects the Life Insurance Benefit to be paid. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">To decrease the Face Amount of your policy, you must send a Request. You should consider the following possible </span><span style="color:#000000;font-family:Arial;font-size:10pt;">consequences when decreasing the Face Amount of your policy: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">a change in the total policy cost of insurance charge; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">a surrender charge applicable to the amount of the decreased Face Amount; and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">adverse tax consequences. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">For more information about changing the Face Amount of your policy, see the SAI.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Life Insurance Proceeds</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">We will pay proceeds to your beneficiary when we receive satisfactory proof that the insured died. These proceeds </span><span style="color:#000000;font-family:Arial;font-size:10pt;">will equal: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Life Insurance Benefit , valued as of the date of death; plus </span><span style="color:#000000;font-family:Arial;font-size:10pt;">2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">any additional death benefits available under the riders you have chosen which have not already been reflected in the Life Insurance Benefit; minus </span><span style="color:#000000;font-family:Arial;font-size:10pt;">3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">any outstanding loans (including any accrued loan interest as of the date of death) on the policy and any unpaid or deferred Monthly Deduction Charges. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">We will pay interest on these proceeds from the date the insured died until the date we pay the proceeds. See </span><span style="color:#000000;font-family:Arial;font-size:10pt;">“Policy Payment Information—Life Insurance Benefit ” for more information. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Every state has unclaimed property laws, which generally declare a life insurance policy to be abandoned after a </span><span style="color:#000000;font-family:Arial;font-size:10pt;">period of inactivity of three to five years from the contract’s maturity date or the date the life insurance benefit is due and payable. For example, if the payment of a life insurance benefit has been triggered, but, if after a thorough search, we are unable to locate the beneficiary of the life insurance benefit, or the beneficiary does not come forward to claim the life insurance benefit in a timely manner, the life insurance benefit may be paid to the abandoned property division or unclaimed property office of the state in which the beneficiary or the insured last resided, as shown on our books and records, or to our state of domicile. This escheatment is revocable, however, and the state is obligated to pay the life insurance benefit (without interest) if your beneficiary steps forward to claim it with the proper </span><span style="color:#000000;font-family:Arial;font-size:10pt;">documentation. To prevent such escheatment, it is important that you update your Beneficiary designation, including addresses, if and as they change. Please contact us at 1-800-598-2019 or send a Request to make such changes.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Payees</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The beneficiary is the person(s) or entity(ies) you have specified on our records to receive the Life Insurance </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Proceeds from your policy. You have certain options regarding the policy’s beneficiary: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">You name the beneficiary when you apply for the policy. The beneficiary will receive the Life Insurance Proceeds after the insured dies. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">You can elect to have different classes of beneficiaries, such as primary and secondary, where these classes determine the order of payment. You may identify more than one beneficiary per class. </span><span style="font-family:Arial;font-size:10pt;">●</span><span style="font-family:Arial;font-size:10pt;">To change a revocable beneficiary while an insured is living, you must either send a Request, or contact us online at www.newyorklife.com or through the mobile application. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">If no beneficiary is living when the insured dies, we will pay the Life Insurance Benefit Proceeds to you (the policyowner), or if you are deceased, to your estate, unless we have other instructions from you to do otherwise. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">You can name only those individuals who are able to receive payments on their own behalf as payees or successor </span><span style="color:#000000;font-family:Arial;font-size:10pt;">payees, unless we agree otherwise. We may require proof of the age of the payee or proof that the payee is living. If we still have an unpaid amount, or there are some payments that still must be made when the last surviving payee dies, we will pay the unpaid amount with interest to the date of payment, or pay the present value of the remaining payments, to that payee’s estate. We will make this payment in one sum. The present value of the remaining payments is based on the interest rate used to compute them, and is always less than their sum.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">How Life Insurance Proceeds Will Be Paid</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The Life Insurance Proceeds will be paid in a lump sum. After the death of the insured, we will pay the beneficiary </span><span style="color:#000000;font-family:Arial;font-size:10pt;">a single check for the amount of the Life Insurance Proceeds. Any Life Insurance Proceeds paid in one sum will include interest compounded each year from the date of the insured’s death to the date of payment. We set the interest rate each year. This rate will be at least the rate required by law.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">When We Pay Life Insurance Proceeds</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If the policy is still in effect, NYLIAC will pay any Cash Surrender Value or ACSV, partial surrenders, loan proceeds, </span><span style="color:#000000;font-family:Arial;font-size:10pt;">or the Life Insurance Proceeds generally within seven days after we receive all of the necessary requirements in Good Order at the VPSC at one of the addresses listed on the first page of this prospectus (or any other address we indicate to you in writing). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Under the following situations, payment of proceeds may be delayed: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">We may delay payment of any loan proceeds attributable to the Separate Account, any partial surrenders from the Separate Account, the policy’s Cash Surrender Value or the ACSV, if applicable, or the Life Insurance Proceeds during any period that: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">we are unable to determine the amount to be paid because the NYSE is closed (other than customary weekend and holiday closings), trading is restricted by the SEC, an emergency exists, or an Eligible Portfolio suspends redemptions pursuant to SEC Rules 2a-7 or 22e-3 under the 1940 Act or otherwise; or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the SEC, by order, permits us to delay payment to protect our policyowners. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">We may delay payment of any portion of any loan or surrender request, including requests for partial surrenders, from the Fixed Account and/or the DCA Accounts for up to six months from the date we receive your request. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">We may delay payment of the entire Life Insurance Proceeds if we contest the payment. We investigate all death claims that occur within the two-year contestable period. Upon receiving information from a completed investigation, we will make a determination, within thirty-one (31) days, as to whether the claim should be authorized for payment. Payments are made promptly after the authorization. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Federal laws made to combat terrorism and prevent money laundering by criminals might, in certain circumstances, require us to reject a premium payment and/or “freeze” a policy. If these laws apply in a particular policy(ies), we would not be allowed to pay any request for transfers, partial surrenders, surrenders, loans, or death benefits. If a policy or an account is frozen, the Cash Value would be moved to a special segregated interest-bearing account and held in that account until instructions are received from the appropriate federal regulator. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">If you have submitted a recent check or draft, we have the right to defer payment of any surrenders, loans, death benefit proceeds, or amounts due pursuant to the free look provision until such check or draft has been honored. It may take up to 15 days for a check to clear through the banking system. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">We add interest at an annual rate at least equal to the minimum amount required by law if we delay payment of a </span><span style="color:#000000;font-family:Arial;font-size:10pt;">partial surrender or Cash Surrender Value  or ACSV for 30 days or more. </span><span style="font-family:Arial;font-size:10pt;margin-left:12pt;">We add interest to Life Insurance Benefit Proceeds from the date of death to the date of </span><span style="font-family:Arial;font-size:10pt;">payment at a rate at least equal to the minimum amount required by law.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Life Insurance Benefit</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Life Insurance Benefit of the Policy is equal to the greater of: </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The initial Face Amount of the Policy, minus any changes to the Face Amount in accordance with the provisions of </span><span style="color:#000000;font-family:Arial;font-size:10pt;">this Policy; or </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">A percentage of the sum of your Cash Value or, if available, the value of the ACSV, that is equal to the minimum </span><span style="color:#000000;font-family:Arial;font-size:10pt;">amount necessary for your Policy to qualify as life insurance under IRC Section 7702 (the “Corridor Death Benefit”), as shown on your Policy Specifications Pages. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">We determine the Life Insurance Benefit as of the date of the insured’s death. Your Life Insurance Benefit may be </span><span style="color:#000000;font-family:Arial;font-size:10pt;">greater if the policy’s Cash Value, multiplied by the Corridor Death Benefit, as described below, is greater than the Face Amount. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Under IRC Section 7702, a policy will generally be treated as life insurance for federal tax purposes if, at all times, it </span><span style="color:#000000;font-family:Arial;font-size:10pt;">meets either the GPT or the CVAT. This Policy is only available with CVAT. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The CVAT does not have a premium limit on the amount of premium that can be paid into a policy, but does have a </span><span style="color:#000000;font-family:Arial;font-size:10pt;">corridor component that requires that the Life Insurance Benefit be at least a certain percentage (varying based on age, gender, and class of risk of the insured) of the Cash Value. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Tax law provisions relating to “employer-owned life insurance contracts” may impact whether and to what extent the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Life Insurance Benefit may be received on a tax-free basis. You may be required to take certain actions before acquiring the Policy to ensure that such Benefit may be received on a tax-free basis. See the discussion under “Federal Income Tax Considerations—IRC Section 101(j)—Impact on Employer-Owned Policies” for more information.</span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;text-transform:uppercase;">Additional Policy Provisions</span> <hr style="background-color:#000000;height:2pt;margin-bottom:2pt;margin-left:0%;margin-top:1.0pt;position:relative;text-align:left;top:-2pt;width:522pt;"/><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Limits On Our Rights To Challenge Your Policy</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Generally, we must bring any legal action contesting the validity of your policy within two years of the Issue Date. If </span><span style="color:#000000;font-family:Arial;font-size:10pt;">this policy ends and is reinstated, we will not contest the policy after it has been in effect during the lifetime of the insured for two years from the date of reinstatement. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Suicide</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If the death of the insured is a result of suicide within two years of the Issue Date, we will pay a limited life </span><span style="color:#000000;font-family:Arial;font-size:10pt;">insurance benefit in one sum to the beneficiary. The limited life insurance benefit is the total amount of premiums, minus any outstanding loans (including accrued loan interest) and/or partial surrender benefits paid.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Misstatement Of Age Or Gender</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If the policy application misstates the insured’s age or gender, we will adjust the Cash Value, the Cash Surrender </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Value and the ACSV, if applicable, and the Life Insurance Benefit to reflect the correct age and gender. We will adjust the Life Insurance Proceeds provided by your policy based on the most recent mortality charge for the correct date of birth and gender.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Assignment</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">While an insured is living, you can assign a policy as collateral for a loan or other obligation. In order for this </span><span style="color:#000000;font-family:Arial;font-size:10pt;">assignment to be binding on us, we must receive a signed copy of such assignment in Good Order at the VPSC at one of the addresses listed on the first page of this prospectus (or any other address we indicate to you in writing). We are not responsible for the validity of any assignment. If your policy is a modified endowment contract, assigning your policy may result in taxable income to you. (See “Federal Income Tax Considerations” for more information.)</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;text-transform:uppercase;">Appendix: Eligible Portfolios Available Under the Policy</span><span style="font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">The Eligible Portfolios </span><span style="font-family:Arial;font-size:10pt;margin-left:12pt;">The following is a list of the Eligible Portfolios currently available under the policy. Before you invest, you should </span><span style="font-family:Arial;font-size:10pt;">review the prospectuses for the Portfolios. These prospectuses contain more information about the Portfolios and their risks and may be amended from time to time. You can find the prospectuses and other information about the Portfolios online at https://dfinview.com/NewYorkLife/TAHD/marketwealthplus.You can also request this information at no cost by calling 1-800-598-2019 or sending an email request to MarketWealthPlusProspectus@newyorklife.com. </span><span style="font-family:Arial;font-size:10pt;margin-left:12pt;">The current expenses and performance information below reflects fees and expenses of the Eligible Portfolios, but </span><span style="font-family:Arial;font-size:10pt;">does not reflect the other fees and expenses that your policy may charge. Expenses would be higher and performance would be lower if these charges were included. Each Portfolio’s past performance is not necessarily an indication of future performance.</span><span style="font-family:Arial;font-size:1pt;margin-left:0%;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:113.37pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:206.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio and Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr> <tr style="height:125pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP American Century Large Cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity (formerly NYLI VP American Century </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sustainable Equity)—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management LLC (“New York Life </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Investments”)</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">American Century Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.68</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.34</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.96</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.86</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Balanced—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NYL Investors LLC (“NYLI”) </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">and Wellington Management LLP </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">(“Wellington”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.72</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.44</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.41</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.30</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Bond—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NYLI</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.55</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.83</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">(0.63) </span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.96</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP CBRE Global </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Infrastructure—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CBRE Investment Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Listed Real Assets LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.95</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.60</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.06</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.64</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Conservative Allocation—Initial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.55</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.56</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.93</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.40</span><span style="font-family:Arial;font-size:10pt;">% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:113.37pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:206.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio and Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Dimensional U.S. Equity—Initial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Dimensional Fund Advisors LP</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.54</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.75</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.39</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.68</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Epoch U.S. Equity Yield—Initial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Epoch Investment Partners, Inc. </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">("Epoch")</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.68</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.24</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.02</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.96</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Equity Allocation—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.69</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.98</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.17</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.34</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Fidelity Institutional AM</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">® </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Utilities—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FIAM LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.68</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.79</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.34</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.97</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment Grade </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Floating Rate—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NYLI</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.64</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.13</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.43</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.01</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Growth Allocation—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.64</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.52</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.33</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.32</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Alternatives</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Hedge Multi-Strategy—Initial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.01</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.05</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.92</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.07</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Income Builder—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Epoch and MacKay Shields </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC (“MacKay”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.63</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">16.99</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.56</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.40</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:86.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Janus Henderson </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Balanced—Initial Class</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Janus Henderson Investors US </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC (“Janus”)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.58</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.05</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.58</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.19</span><span style="font-family:Arial;font-size:10pt;">% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:113.37pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:206.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio and Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment Grade </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP MacKay Convertible—Initial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.59</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">16.40</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.60</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.38</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment Grade </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP MacKay High Yield Corporate </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.59</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.87</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.44</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.14</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment Grade </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP MacKay Strategic Bond—Initial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.65</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.87</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.98</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.40</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP MacKay U.S. Infrastructure </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.57</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.44</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.10</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.38</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP MFS</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Investors Trust—Initial </span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Massachusetts Financial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Services Company (“MFS”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.75</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP MFS</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Research—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.76</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Moderate Allocation—Initial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.58</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.30</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.62</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.88</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:74.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Natural Resources—Initial Class</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Newton Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management North America, LLC (“NIMNA”)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.85</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.20</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.27</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.88</span><span style="font-family:Arial;font-size:10pt;">% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:113.37pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:206.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio and Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Newton Technology </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Growth—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NIMNA</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.78</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP PIMCO Real Return—Initial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Pacific Investment Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company LLC (“PIMCO”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.09</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.16</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.36</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.29</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/Global </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP PineStone International </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PineStone Asset Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.86</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.29</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.20</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.44</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP S&amp;P 500 Index—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.12</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.72</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.28</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.63</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Schroders Mid Cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Opportunities—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Schroder Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management North America</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.83</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.27</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.05</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.39</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Small Cap Growth—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Brown Advisory, LLC and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Segall Bryant &amp; Hamill, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.86</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.89</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.64</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.95</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Money Market</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP U.S. Government Money </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NYLI</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.28</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.05</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.02</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.89</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:74.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Wellington Small Cap—Initial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Wellington</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.75</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.53</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.93</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.41</span><span style="font-family:Arial;font-size:10pt;">% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:113.37pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:206.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio and Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Winslow Large Cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Growth—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Winslow Capital Management, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.75</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.35</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.69</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">16.14</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">AB VPS Discovery Value Portfolio—Class A</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">AllianceBernstein L.P. (“AB”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.82</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.89</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.75</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.55</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">AB VPS Relative Value Portfolio—Class A</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">AB</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.59</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.47</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.42</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.57</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> IS Asset Allocation </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund—Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company</span><span style="font-family:Arial;font-size:4.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-7pt;">SM </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">(“CRMC”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.54</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.85</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.97</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.77</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> IS The Bond Fund of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">America</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">—Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.47</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.26</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(0.14)</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.36</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> IS Capital World Bond </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">—Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.73</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.39</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(2.50)</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.23</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> IS Growth Fund—Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.58</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">20.24</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.37</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.97</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> IS Growth-Income </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund—Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.53</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.06</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.90</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.92</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> IS New World </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">—Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.82</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">28.29</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.33</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.25</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/Global </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> IS SMALLCAP World </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> (formerly American Funds</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> IS Global </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small Capitalization Fund)—Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.90</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.64</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.49</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.23</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> IS U.S. Government </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Securities Fund</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">—Class 2</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.50</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.75</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(0.23)</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.70</span><span style="font-family:Arial;font-size:10pt;">% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:113.37pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:206.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio and Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> IS Washington Mutual </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investors Fund—Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.50</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.21</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.89</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.36</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:101pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">BlackRock</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Global Allocation V.I. </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund—Class I</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock Advisors, LLC </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">(“BlackRock”)</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock (Singapore) Limited </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">and BlackRock International Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.76</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">19.80</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.79</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.59</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment Grade </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">BlackRock</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> High Yield V.I. Fund—Class I</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock International Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.54</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.19</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.79</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.31</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:101pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">BNY Mellon Sustainable U.S. Equity </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Initial Shares</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BNY Mellon Investment Adviser, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Inc.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Newton Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.66</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.97</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.93</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.56</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment Grade </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Columbia Variable Portfolio—Emerging </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Markets Bond Fund—Class 1</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Advisers, LLC ("Columbia")</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.75</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.78</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.70</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.28</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Columbia Variable Portfolio—Intermediate </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond Fund—Class 1</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Columbia</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.52</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.06</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(0.43)</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.77</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Columbia Variable Portfolio—Small </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Company Growth Fund—Class 1</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Columbia</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.87</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">21.69</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.59</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.19</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:86.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Alternatives</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">DWS Alternative Asset Allocation </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">VIP—Class A</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">DWS Investment Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Americas Inc. (“DIMA”)</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">RREEF America LLC</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.93</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.29</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.89</span><span style="font-family:Arial;font-size:10pt;">% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:113.37pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:206.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio and Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">DWS Small Cap Index VIP—Class A</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">DIMA</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Northern Trust Investments, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.37</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.64</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.84</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.33</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">DWS Small Mid Cap Value VIP—Class A</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">DIMA</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.80</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.21</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.66</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.57</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Bond Index Portfolio—Initial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Fidelity Management &amp; Research </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company (“FMR”)</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.14</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.98</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(0.57)</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Contrafund</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Portfolio—Initial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">O</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">ther investment advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.54</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">21.52</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.37</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.78</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/Global </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Emerging Markets </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.87</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">41.20</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.88</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.93</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Equity-Income </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.46</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">19.02</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.51</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.60</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Extended Market Index </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Geode Capital Management, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC (“Geode”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.12</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.32</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.02</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Freedom 2020 </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.44</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.33</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.84</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.38</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Freedom 2030 </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">—Initial Class</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.49</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.52</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.25</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.88</span><span style="font-family:Arial;font-size:10pt;">% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:113.37pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:206.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio and Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Freedom 2040 </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.57</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.79</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.01</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.87</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Growth Opportunities </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.56</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">22.02</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.31</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">19.94</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Health Care Portfolio—Initial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.59</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.39</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.18</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.75</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/Global </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP International Capital </span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Appreciation Portfolio—Initial Class</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FIL Investment Advisors</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.78</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.69</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.26</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.81</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/Global </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP International Index </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Geode</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.16</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">33.15</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.02</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Investment Grade Bond </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.37</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.22</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.06</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.71</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Mid Cap Portfolio—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.55</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.75</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.10</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.59</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Gold and Precious Metals VIP </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund—Class 1</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers, Inc. (“Franklin</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">”)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.70</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:113.37pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:206.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio and Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Aggressive Model </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Class I</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Templeton Fund Adviser, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC (“FTFA”)</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.63</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.30</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.41</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Conservative Model </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Class I</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.60</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.39</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.92</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Moderate Model </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Class I</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.57</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.56</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.76</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Moderately Aggressive </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Model Portfolio—Class I</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.57</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.29</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.12</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Moderately Conservative </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Model Portfolio—Class I</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.57</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.76</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.17</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/Global </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Goldman Sachs VIT International Equity </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insights Fund—Institutional Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Goldman Sachs Asset </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management, L.P.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.80</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.12</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.46</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.88</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/Global </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Invesco V.I. EQV International Equity </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund—Series I Shares</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Invesco Advisers, Inc. (“Invesco”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.90</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">16.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.68</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.22</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Invesco V.I. Main Street Small Cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">—Series I Shares</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Invesco</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.84</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.70</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.34</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.59</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Janus Henderson Enterprise </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Institutional Shares</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Janus</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.72</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.67</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.62</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.79</span><span style="font-family:Arial;font-size:10pt;">% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:113.37pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:206.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio and Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/Global </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Janus Henderson Global Research </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Institutional Shares</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Janus</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.82</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">20.92</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.51</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.93</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Lord Abbett Series Fund, Inc.—Short </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Duration Income Portfolio—Class I</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lord, Abbett &amp; Co. LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.47</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:113pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">LVIP ClearBridge Appreciation </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund—Standard Class (formerly </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">ClearBridge Variable Appreciation </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Class I)</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation (“LFIC”)</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">ClearBridge Investments, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.70</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.72</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.34</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">LVIP SSgA Mid-Cap Index Fund—Standard </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LFIC</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">SSgA Funds Management, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.35</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.55</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.94</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.31</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> International Intrinsic Equity Portfolio </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(formerly MFS</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> International Intrinsic Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio)—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.89</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">33.26</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.28</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.95</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Mid Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Mid Cap Value Portfolio—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.79</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.98</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.18</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.95</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> New Discovery Series—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.87</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.96</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(0.28)</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.74</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Foreign Large Blend</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Research International </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.90</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">22.05</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.51</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.54</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:62.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Neuberger Berman AMT Mid Cap Growth </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Class I</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Neuberger Berman Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Advisers LLC</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.86</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.45</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.47</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.96</span><span style="font-family:Arial;font-size:10pt;">% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:113.37pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:206.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio and Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/Global </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nomura VIP Emerging Markets Series </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(formerly Macquarie VIP Emerging Markets </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Series)—Standard Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Delaware Management Company, a </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">series of Nomura Investment Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Business Trust</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.16</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">81.26</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.81</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.17</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nomura VIP Small Cap Value Series </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(formerly Macquarie VIP Small Cap Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Series)—Standard Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Delaware Management Company, a </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">series of Nomura Investment Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Business Trust</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.74</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.16</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.26</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.15</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT Income Portfolio—Institutional </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.77</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.36</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.57</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT International Bond Portfolio </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(U.S. Dollar-Hedged)—Institutional Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.94</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.10</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.18</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.04</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT Low Duration </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Institutional Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.51</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.68</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.72</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.94</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT Short-Term </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Institutional Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.83</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.40</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.91</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT Total Return </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Institutional Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.58</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.05</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.16</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.51</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:86.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Principal VC Real Estate Securities </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Account—Class 1</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Global Investors, LLC</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Real Estate Investors, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.78</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.24</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.88</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.94</span><span style="font-family:Arial;font-size:10pt;">% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:113.37pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:206.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio and Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr> <tr style="height:113pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/Global </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Putnam VT International Value Fund—Class </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">IA</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Putnam Investment Management, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin, Franklin Templeton </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Investment Management Limited and The </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Putnam Advisory Company, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.81</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">35.07</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.77</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.13</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Voya Growth and Income Portfolio—Class I</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Voya Investments, LLC</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Voya Investment Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Co. LLC (“Voya”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.67</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.21</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.46</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.62</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Voya Intermediate Bond Portfolio — Class I</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Voya</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.55</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.71</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.15</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.66</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:122.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Western Asset Core Plus VIT </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Class I**</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Western Asset Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company, LLC; Western Asset Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company Limited; Western Asset </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company Ltd.; and Western </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Asset Management Company Pte. Ltd.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.54</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.75</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(1.44)</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.11</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr></table><span style="font-family:Arial;font-size:9pt;">*</span><span style="font-family:Arial;font-size:9pt;">Current Expenses take into account expense reimbursement or fee waiver arrangements in place that are generally expected to continue through April 30, 2027 and may be terminated at any time at the option of the Fund. Annual expenses for the Eligible Portfolios for the year ended December 31, 2025, reflect temporary fee reductions under such an arrangement.</span><span style="font-family:Arial;font-size:9pt;">**</span><span style="font-family:Arial;font-size:9pt;">Premiums or transfers will only be accepted into this fund from policyowners already invested in this fund. Policyowners who remove all Cash Value allocations from this fund will not be permitted to reinvest in this fund.</span> <span style="font-family:Arial;font-size:10pt;margin-left:12pt;">The following is a list of the Eligible Portfolios currently available under the policy. Before you invest, you should </span><span style="font-family:Arial;font-size:10pt;">review the prospectuses for the Portfolios. These prospectuses contain more information about the Portfolios and their risks and may be amended from time to time. You can find the prospectuses and other information about the Portfolios online at https://dfinview.com/NewYorkLife/TAHD/marketwealthplus.You can also request this information at no cost by calling 1-800-598-2019 or sending an email request to MarketWealthPlusProspectus@newyorklife.com. </span><span style="font-family:Arial;font-size:10pt;margin-left:12pt;">The current expenses and performance information below reflects fees and expenses of the Eligible Portfolios, but </span><span style="font-family:Arial;font-size:10pt;">does not reflect the other fees and expenses that your policy may charge. Expenses would be higher and performance would be lower if these charges were included. Each Portfolio’s past performance is not necessarily an indication of future performance.</span><span style="font-family:Arial;font-size:1pt;margin-left:0%;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:113.37pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:206.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio and Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr> <tr style="height:125pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP American Century Large Cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity (formerly NYLI VP American Century </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sustainable Equity)—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management LLC (“New York Life </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Investments”)</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">American Century Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.68</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.34</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.96</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.86</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Balanced—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NYL Investors LLC (“NYLI”) </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">and Wellington Management LLP </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">(“Wellington”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.72</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.44</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.41</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.30</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Bond—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NYLI</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.55</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.83</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">(0.63) </span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.96</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP CBRE Global </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Infrastructure—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CBRE Investment Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Listed Real Assets LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.95</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.60</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.06</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.64</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Conservative Allocation—Initial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.55</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.56</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.93</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.40</span><span style="font-family:Arial;font-size:10pt;">% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:113.37pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:206.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio and Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Dimensional U.S. Equity—Initial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Dimensional Fund Advisors LP</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.54</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.75</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.39</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.68</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Epoch U.S. Equity Yield—Initial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Epoch Investment Partners, Inc. </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">("Epoch")</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.68</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.24</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.02</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.96</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Equity Allocation—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.69</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.98</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.17</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.34</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Fidelity Institutional AM</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">® </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Utilities—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FIAM LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.68</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.79</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.34</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.97</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment Grade </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Floating Rate—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NYLI</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.64</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.13</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.43</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.01</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Growth Allocation—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.64</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.52</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.33</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.32</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Alternatives</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Hedge Multi-Strategy—Initial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.01</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.05</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.92</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.07</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Income Builder—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Epoch and MacKay Shields </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC (“MacKay”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.63</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">16.99</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.56</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.40</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:86.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Janus Henderson </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Balanced—Initial Class</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Janus Henderson Investors US </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC (“Janus”)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.58</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.05</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.58</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.19</span><span style="font-family:Arial;font-size:10pt;">% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:113.37pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:206.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio and Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment Grade </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP MacKay Convertible—Initial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.59</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">16.40</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.60</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.38</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment Grade </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP MacKay High Yield Corporate </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.59</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.87</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.44</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.14</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment Grade </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP MacKay Strategic Bond—Initial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.65</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.87</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.98</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.40</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP MacKay U.S. Infrastructure </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.57</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.44</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.10</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.38</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP MFS</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Investors Trust—Initial </span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Massachusetts Financial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Services Company (“MFS”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.75</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP MFS</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Research—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.76</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Moderate Allocation—Initial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.58</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.30</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.62</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.88</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:74.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Natural Resources—Initial Class</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Newton Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management North America, LLC (“NIMNA”)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.85</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.20</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.27</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.88</span><span style="font-family:Arial;font-size:10pt;">% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:113.37pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:206.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio and Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Newton Technology </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Growth—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NIMNA</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.78</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP PIMCO Real Return—Initial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Pacific Investment Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company LLC (“PIMCO”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.09</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.16</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.36</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.29</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/Global </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP PineStone International </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PineStone Asset Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.86</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.29</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.20</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.44</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP S&amp;P 500 Index—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.12</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.72</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.28</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.63</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Schroders Mid Cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Opportunities—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Schroder Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management North America</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.83</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.27</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.05</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.39</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Small Cap Growth—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Brown Advisory, LLC and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Segall Bryant &amp; Hamill, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.86</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.89</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.64</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.95</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Money Market</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP U.S. Government Money </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NYLI</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.28</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.05</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.02</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.89</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:74.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Wellington Small Cap—Initial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Wellington</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.75</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.53</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.93</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.41</span><span style="font-family:Arial;font-size:10pt;">% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:113.37pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:206.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio and Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Winslow Large Cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Growth—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Winslow Capital Management, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.75</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.35</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.69</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">16.14</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">AB VPS Discovery Value Portfolio—Class A</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">AllianceBernstein L.P. (“AB”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.82</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.89</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.75</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.55</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">AB VPS Relative Value Portfolio—Class A</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">AB</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.59</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.47</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.42</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.57</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> IS Asset Allocation </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund—Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company</span><span style="font-family:Arial;font-size:4.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-7pt;">SM </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">(“CRMC”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.54</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.85</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.97</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.77</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> IS The Bond Fund of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">America</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">—Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.47</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.26</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(0.14)</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.36</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> IS Capital World Bond </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">—Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.73</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.39</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(2.50)</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.23</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> IS Growth Fund—Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.58</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">20.24</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.37</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.97</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> IS Growth-Income </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund—Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.53</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.06</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.90</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.92</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> IS New World </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">—Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.82</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">28.29</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.33</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.25</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/Global </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> IS SMALLCAP World </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> (formerly American Funds</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> IS Global </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small Capitalization Fund)—Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.90</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.64</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.49</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.23</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> IS U.S. Government </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Securities Fund</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">—Class 2</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.50</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.75</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(0.23)</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.70</span><span style="font-family:Arial;font-size:10pt;">% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:113.37pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:206.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio and Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> IS Washington Mutual </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investors Fund—Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.50</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.21</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.89</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.36</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:101pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">BlackRock</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Global Allocation V.I. </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund—Class I</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock Advisors, LLC </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">(“BlackRock”)</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock (Singapore) Limited </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">and BlackRock International Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.76</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">19.80</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.79</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.59</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment Grade </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">BlackRock</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> High Yield V.I. Fund—Class I</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock International Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.54</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.19</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.79</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.31</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:101pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">BNY Mellon Sustainable U.S. Equity </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Initial Shares</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BNY Mellon Investment Adviser, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Inc.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Newton Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.66</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.97</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.93</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.56</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment Grade </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Columbia Variable Portfolio—Emerging </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Markets Bond Fund—Class 1</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Advisers, LLC ("Columbia")</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.75</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.78</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.70</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.28</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Columbia Variable Portfolio—Intermediate </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond Fund—Class 1</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Columbia</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.52</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.06</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(0.43)</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.77</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Columbia Variable Portfolio—Small </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Company Growth Fund—Class 1</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Columbia</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.87</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">21.69</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.59</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.19</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:86.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Alternatives</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">DWS Alternative Asset Allocation </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">VIP—Class A</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">DWS Investment Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Americas Inc. (“DIMA”)</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">RREEF America LLC</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.93</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.29</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.89</span><span style="font-family:Arial;font-size:10pt;">% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:113.37pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:206.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio and Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">DWS Small Cap Index VIP—Class A</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">DIMA</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Northern Trust Investments, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.37</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.64</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.84</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.33</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">DWS Small Mid Cap Value VIP—Class A</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">DIMA</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.80</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.21</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.66</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.57</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Bond Index Portfolio—Initial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Fidelity Management &amp; Research </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company (“FMR”)</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.14</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.98</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(0.57)</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Contrafund</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Portfolio—Initial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">O</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">ther investment advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.54</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">21.52</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.37</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.78</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/Global </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Emerging Markets </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.87</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">41.20</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.88</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.93</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Equity-Income </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.46</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">19.02</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.51</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.60</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Extended Market Index </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Geode Capital Management, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC (“Geode”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.12</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.32</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.02</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Freedom 2020 </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.44</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.33</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.84</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.38</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Freedom 2030 </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">—Initial Class</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.49</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.52</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.25</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.88</span><span style="font-family:Arial;font-size:10pt;">% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:113.37pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:206.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio and Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Freedom 2040 </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.57</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.79</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.01</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.87</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Growth Opportunities </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.56</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">22.02</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.31</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">19.94</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Health Care Portfolio—Initial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.59</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.39</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.18</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.75</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/Global </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP International Capital </span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Appreciation Portfolio—Initial Class</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FIL Investment Advisors</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.78</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.69</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.26</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.81</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/Global </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP International Index </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Geode</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.16</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">33.15</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.02</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Investment Grade Bond </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.37</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.22</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.06</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.71</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Mid Cap Portfolio—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.55</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.75</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.10</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.59</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Gold and Precious Metals VIP </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund—Class 1</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers, Inc. (“Franklin</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">”)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.70</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:113.37pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:206.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio and Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Aggressive Model </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Class I</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Templeton Fund Adviser, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC (“FTFA”)</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.63</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.30</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.41</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Conservative Model </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Class I</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.60</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.39</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.92</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Moderate Model </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Class I</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.57</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.56</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.76</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Moderately Aggressive </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Model Portfolio—Class I</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.57</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.29</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.12</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Moderately Conservative </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Model Portfolio—Class I</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.57</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.76</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.17</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/Global </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Goldman Sachs VIT International Equity </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insights Fund—Institutional Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Goldman Sachs Asset </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management, L.P.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.80</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.12</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.46</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.88</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/Global </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Invesco V.I. EQV International Equity </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund—Series I Shares</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Invesco Advisers, Inc. (“Invesco”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.90</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">16.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.68</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.22</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Invesco V.I. Main Street Small Cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">—Series I Shares</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Invesco</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.84</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.70</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.34</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.59</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Janus Henderson Enterprise </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Institutional Shares</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Janus</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.72</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.67</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.62</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.79</span><span style="font-family:Arial;font-size:10pt;">% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:113.37pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:206.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio and Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/Global </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Janus Henderson Global Research </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Institutional Shares</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Janus</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.82</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">20.92</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.51</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.93</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Lord Abbett Series Fund, Inc.—Short </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Duration Income Portfolio—Class I</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lord, Abbett &amp; Co. LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.47</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:113pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">LVIP ClearBridge Appreciation </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund—Standard Class (formerly </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">ClearBridge Variable Appreciation </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Class I)</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation (“LFIC”)</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">ClearBridge Investments, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.70</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.72</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.34</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">LVIP SSgA Mid-Cap Index Fund—Standard </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LFIC</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">SSgA Funds Management, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.35</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.55</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.94</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.31</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> International Intrinsic Equity Portfolio </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(formerly MFS</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> International Intrinsic Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio)—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.89</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">33.26</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.28</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.95</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Mid Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Mid Cap Value Portfolio—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.79</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.98</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.18</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.95</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> New Discovery Series—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.87</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.96</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(0.28)</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.74</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Foreign Large Blend</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Research International </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.90</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">22.05</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.51</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.54</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:62.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Neuberger Berman AMT Mid Cap Growth </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Class I</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Neuberger Berman Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Advisers LLC</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.86</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.45</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.47</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.96</span><span style="font-family:Arial;font-size:10pt;">% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:113.37pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:206.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio and Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/Global </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nomura VIP Emerging Markets Series </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(formerly Macquarie VIP Emerging Markets </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Series)—Standard Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Delaware Management Company, a </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">series of Nomura Investment Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Business Trust</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.16</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">81.26</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.81</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.17</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nomura VIP Small Cap Value Series </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(formerly Macquarie VIP Small Cap Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Series)—Standard Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Delaware Management Company, a </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">series of Nomura Investment Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Business Trust</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.74</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.16</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.26</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.15</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT Income Portfolio—Institutional </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.77</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.36</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.57</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT International Bond Portfolio </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(U.S. Dollar-Hedged)—Institutional Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.94</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.10</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.18</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.04</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT Low Duration </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Institutional Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.51</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.68</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.72</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.94</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT Short-Term </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Institutional Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.83</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.40</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.91</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT Total Return </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Institutional Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.58</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.05</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.16</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.51</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:86.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Principal VC Real Estate Securities </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Account—Class 1</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Global Investors, LLC</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Real Estate Investors, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.78</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.24</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.88</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.94</span><span style="font-family:Arial;font-size:10pt;">% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:113.37pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:206.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio and Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr> <tr style="height:113pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/Global </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Putnam VT International Value Fund—Class </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">IA</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Putnam Investment Management, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin, Franklin Templeton </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Investment Management Limited and The </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Putnam Advisory Company, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.81</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">35.07</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.77</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.13</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Voya Growth and Income Portfolio—Class I</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Voya Investments, LLC</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Voya Investment Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Co. LLC (“Voya”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.67</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.21</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.46</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.62</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Voya Intermediate Bond Portfolio — Class I</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Voya</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.55</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.71</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.15</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.66</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:122.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:113.37pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:206.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Western Asset Core Plus VIT </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Class I**</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Western Asset Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company, LLC; Western Asset Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company Limited; Western Asset </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company Ltd.; and Western </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Asset Management Company Pte. Ltd.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.54</span><span style="font-family:Arial;font-size:10pt;">%*</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.75</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(1.44)</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.11</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr></table><span style="font-family:Arial;font-size:9pt;">*</span><span style="font-family:Arial;font-size:9pt;">Current Expenses take into account expense reimbursement or fee waiver arrangements in place that are generally expected to continue through April 30, 2027 and may be terminated at any time at the option of the Fund. Annual expenses for the Eligible Portfolios for the year ended December 31, 2025, reflect temporary fee reductions under such an arrangement.</span><span style="font-family:Arial;font-size:9pt;">**</span><span style="font-family:Arial;font-size:9pt;">Premiums or transfers will only be accepted into this fund from policyowners already invested in this fund. Policyowners who remove all Cash Value allocations from this fund will not be permitted to reinvest in this fund.</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP American Century Large Cap </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity (formerly NYLI VP American Century </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sustainable Equity)—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investment </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management LLC (“New York Life </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Investments”)</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">American Century Investment </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management, Inc.</span> 0.0068 0.1134 0.1396 0.1186 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Balanced—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NYL Investors LLC (“NYLI”) </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">and Wellington Management LLP </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">(“Wellington”)</span> 0.0072 0.1144 0.0741 0.0730 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Bond—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NYLI</span> 0.0055 0.0683 -0.0063 0.0196 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP CBRE Global </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Infrastructure—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CBRE Investment Management </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Listed Real Assets LLC</span> 0.0095 0.1560 0.0706 0.0264 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Conservative Allocation—Initial </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> 0.0055 0.0956 0.0393 0.0540 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Dimensional U.S. Equity—Initial </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Dimensional Fund Advisors LP</span> 0.0054 0.1375 0.1239 0.1268 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Epoch U.S. Equity Yield—Initial </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Epoch Investment Partners, Inc. </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">("Epoch")</span> 0.0068 0.1424 0.1202 0.0996 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Equity Allocation—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> 0.0069 0.1398 0.0817 0.0934 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Fidelity Institutional AM</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">® </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Utilities—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FIAM LLC</span> 0.0068 0.1379 0.1234 0.1097 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment Grade </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Floating Rate—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NYLI</span> 0.0064 0.0513 0.0543 0.0501 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Growth Allocation—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> 0.0064 0.1252 0.0733 0.0832 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Alternatives</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Hedge Multi-Strategy—Initial </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> 0.0101 0.0805 0.0292 0.0207 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Income Builder—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Epoch and MacKay Shields </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC (“MacKay”)</span> 0.0063 0.1699 0.0656 0.0740 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Janus Henderson </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Balanced—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Janus Henderson Investors US </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC (“Janus”)</span> 0.0058 0.1505 0.0858 0.1019 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment Grade </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP MacKay Convertible—Initial </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span> 0.0059 0.1640 0.0560 0.1038 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment Grade </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP MacKay High Yield Corporate </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span> 0.0059 0.0687 0.0444 0.0614 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment Grade </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP MacKay Strategic Bond—Initial </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span> 0.0065 0.0887 0.0398 0.0440 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP MacKay U.S. Infrastructure </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span> 0.0057 0.0844 0.0010 0.0138 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP MFS</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Investors Trust—Initial </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Massachusetts Financial </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Services Company (“MFS”)</span> 0.0075 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP MFS</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Research—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span> 0.0076 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Moderate Allocation—Initial </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> 0.0058 0.1130 0.0562 0.0688 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Natural Resources—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Newton Investment </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management North America, LLC (“NIMNA”)</span> 0.0085 0.1520 0.1727 0.1088 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Newton Technology </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Growth—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NIMNA</span> 0.0078 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP PIMCO Real Return—Initial </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Pacific Investment Management </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company LLC (“PIMCO”)</span> 0.0109 0.0816 0.0136 0.0329 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/Global </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP PineStone International </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PineStone Asset Management </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Inc.</span> 0.0086 0.1229 0.0020 0.0544 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP S&amp;P 500 Index—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> 0.0012 0.1772 0.1428 0.1463 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Schroders Mid Cap </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Opportunities—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Schroder Investment </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management North America</span> 0.0083 0.0727 0.0505 0.0739 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Small Cap Growth—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Brown Advisory, LLC and </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Segall Bryant &amp; Hamill, LLC</span> 0.0086 0.0489 0.0164 0.0895 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Money Market</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP U.S. Government Money </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market—Initial Class</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NYLI</span> 0.0028 0.0405 0.0302 0.0189 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Wellington Small Cap—Initial </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Wellington</span> 0.0075 0.0953 0.0593 0.0741 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIM VP Winslow Large Cap </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Growth—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Winslow Capital Management, </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Inc.</span> 0.0075 0.1435 0.1269 0.1614 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">AB VPS Discovery Value Portfolio—Class A</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">AllianceBernstein L.P. (“AB”)</span> 0.0082 0.0289 0.0875 0.0855 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Value</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">AB VPS Relative Value Portfolio—Class A</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">AB</span> 0.0059 0.1047 0.1142 0.1057 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> IS Asset Allocation </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund—Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and Management </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company</span><span style="font-family:Arial;font-size:4.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-7pt;">SM </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">(“CRMC”)</span> 0.0054 0.1585 0.0897 0.0977 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> IS The Bond Fund of </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">America</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">—Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span> 0.0047 0.0726 -0.0014 0.0236 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> IS Capital World Bond </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">—Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span> 0.0073 0.0939 -0.0250 0.0123 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> IS Growth Fund—Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span> 0.0058 0.2024 0.1337 0.1797 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> IS Growth-Income </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund—Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span> 0.0053 0.1806 0.1390 0.1392 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> IS New World </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">—Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span> 0.0082 0.2829 0.0533 0.0925 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/Global </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> IS SMALLCAP World </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> (formerly American Funds</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> IS Global </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small Capitalization Fund)—Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span> 0.0090 0.1464 0.0049 0.0723 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> IS U.S. Government </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Securities Fund</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">—Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span> 0.0050 0.0775 -0.0023 0.0170 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> IS Washington Mutual </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investors Fund—Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span> 0.0050 0.1721 0.1389 0.1236 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">BlackRock</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Global Allocation V.I. </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund—Class I</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock Advisors, LLC </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">(“BlackRock”)</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock (Singapore) Limited </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">and BlackRock International Limited</span> 0.0076 0.1980 0.0579 0.0759 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment Grade </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">BlackRock</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> High Yield V.I. Fund—Class I</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock International Limited</span> 0.0054 0.0919 0.0479 0.0631 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">BNY Mellon Sustainable U.S. Equity </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Initial Shares</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BNY Mellon Investment Adviser, </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Inc.</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Newton Investment </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Limited</span> 0.0066 0.1597 0.1193 0.1356 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment Grade </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Columbia Variable Portfolio—Emerging </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Markets Bond Fund—Class 1</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Advisers, LLC ("Columbia")</span> 0.0075 0.1278 0.0170 0.0428 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Columbia Variable Portfolio—Intermediate </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond Fund—Class 1</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Columbia</span> 0.0052 0.0906 -0.0043 0.0277 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Columbia Variable Portfolio—Small </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Company Growth Fund—Class 1</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Columbia</span> 0.0087 0.2169 0.0359 0.1519 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Alternatives</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">DWS Alternative Asset Allocation </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">VIP—Class A</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">DWS Investment Management </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Americas Inc. (“DIMA”)</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">RREEF America LLC</span> 0.0093 0.1050 0.0529 0.0489 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">DWS Small Cap Index VIP—Class A</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">DIMA</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Northern Trust Investments, Inc.</span> 0.0037 0.1264 0.0584 0.0933 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">DWS Small Mid Cap Value VIP—Class A</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">DIMA</span> 0.0080 0.1821 0.0966 0.0757 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Bond Index Portfolio—Initial </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Fidelity Management &amp; Research </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company (“FMR”)</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment advisers</span> 0.0014 0.0698 -0.0057 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Contrafund</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Portfolio—Initial </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">O</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">ther investment advisers</span> 0.0054 0.2152 0.1537 0.1578 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/Global </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Emerging Markets </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment advisers</span> 0.0087 0.4120 0.0588 0.1093 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Equity-Income </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment advisers</span> 0.0046 0.1902 0.1251 0.1160 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Extended Market Index </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Geode Capital Management, </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC (“Geode”)</span> 0.0012 0.1232 0.0802 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Freedom 2020 </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> 0.0044 0.1333 0.0484 0.0738 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Freedom 2030 </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> 0.0049 0.1552 0.0625 0.0888 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Freedom 2040 </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> 0.0057 0.1879 0.0901 0.1087 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Growth Opportunities </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment advisers</span> 0.0056 0.2202 0.1131 0.1994 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Health Care Portfolio—Initial </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment advisers</span> 0.0059 0.1439 0.0418 0.0875 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/Global </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP International Capital </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Appreciation Portfolio—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FIL Investment Advisors</span> 0.0078 0.1869 0.0626 0.0981 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/Global </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP International Index </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Geode</span> 0.0016 0.3315 0.0802 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Investment Grade Bond </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment advisers</span> 0.0037 0.0722 0.0006 0.0271 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Mid Cap Portfolio—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment advisers</span> 0.0055 0.1175 0.1010 0.1059 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Gold and Precious Metals VIP </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund—Class 1</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers, Inc. (“Franklin</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">”)</span> 0.0070 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Aggressive Model </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Class I</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Templeton Fund Adviser, </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC (“FTFA”)</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin</span> 0.0063 0.1730 0.1041 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Conservative Model </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Class I</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin</span> 0.0060 0.0939 0.0292 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Moderate Model </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Class I</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin</span> 0.0057 0.1356 0.0676 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Moderately Aggressive </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Model Portfolio—Class I</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin</span> 0.0057 0.1529 0.0812 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Moderately Conservative </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Model Portfolio—Class I</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin</span> 0.0057 0.1176 0.0517 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/Global </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Goldman Sachs VIT International Equity </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insights Fund—Institutional Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Goldman Sachs Asset </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management, L.P.</span> 0.0080 0.0612 0.0546 0.0488 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/Global </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Invesco V.I. EQV International Equity </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund—Series I Shares</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Invesco Advisers, Inc. (“Invesco”)</span> 0.0090 0.1650 0.0368 0.0622 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Invesco V.I. Main Street Small Cap </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">—Series I Shares</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Invesco</span> 0.0084 0.0870 0.0834 0.1059 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Janus Henderson Enterprise </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Institutional Shares</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Janus</span> 0.0072 0.0767 0.0762 0.1279 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/Global </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Janus Henderson Global Research </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Institutional Shares</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Janus</span> 0.0082 0.2092 0.1251 0.1293 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Lord Abbett Series Fund, Inc.—Short </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Duration Income Portfolio—Class I</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lord, Abbett &amp; Co. LLC</span> 0.0047 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">LVIP ClearBridge Appreciation </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund—Standard Class (formerly </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">ClearBridge Variable Appreciation </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Class I)</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation (“LFIC”)</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">ClearBridge Investments, LLC</span> 0.0070 0.1450 0.1272 0.1334 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">LVIP SSgA Mid-Cap Index Fund—Standard </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LFIC</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">SSgA Funds Management, Inc.</span> 0.0035 0.1355 0.0994 0.0931 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> International Intrinsic Equity Portfolio </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(formerly MFS</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> International Intrinsic Value </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio)—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span> 0.0089 0.3326 0.0728 0.0995 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Mid Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Mid Cap Value Portfolio—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span> 0.0079 0.0598 0.1018 0.0995 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> New Discovery Series—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span> 0.0087 0.1296 -0.0028 0.1074 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Foreign Large Blend</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Research International </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span> 0.0090 0.2205 0.0551 0.0754 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Neuberger Berman AMT Mid Cap Growth </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Class I</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Neuberger Berman Investment </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Advisers LLC</span> 0.0086 0.0545 0.0447 0.1096 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/Global </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nomura VIP Emerging Markets Series </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(formerly Macquarie VIP Emerging Markets </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Series)—Standard Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Delaware Management Company, a </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">series of Nomura Investment Management </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Business Trust</span> 0.0116 0.8126 0.0881 0.1217 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nomura VIP Small Cap Value Series </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(formerly Macquarie VIP Small Cap Value </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Series)—Standard Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Delaware Management Company, a </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">series of Nomura Investment Management </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Business Trust</span> 0.0074 0.0816 0.0926 0.0915 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT Income Portfolio—Institutional </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span> 0.0077 0.1036 0.0357 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT International Bond Portfolio </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(U.S. Dollar-Hedged)—Institutional Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span> 0.0094 0.0410 0.0118 0.0304 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT Low Duration </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Institutional Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span> 0.0051 0.0568 0.0172 0.0194 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT Short-Term </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Institutional Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span> 0.0050 0.0483 0.0340 0.0291 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT Total Return </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Institutional Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span> 0.0058 0.0905 0.0016 0.0251 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Principal VC Real Estate Securities </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Account—Class 1</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Global Investors, LLC</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Real Estate Investors, </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0078 0.0124 0.0488 0.0594 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/Global </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Putnam VT International Value Fund—Class </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">IA</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Putnam Investment Management, </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin, Franklin Templeton </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Investment Management Limited and The </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Putnam Advisory Company, LLC</span> 0.0081 0.3507 0.1277 0.0913 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Voya Growth and Income Portfolio—Class I</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Voya Investments, LLC</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Voya Investment Management </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Co. LLC (“Voya”)</span> 0.0067 0.1821 0.1546 0.1462 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Voya Intermediate Bond Portfolio — Class I</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Voya</span> 0.0055 0.0771 0.0015 0.0266 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Western Asset Core Plus VIT </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio—Class I**</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Western Asset Management </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company, LLC; Western Asset Management </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company Limited; Western Asset </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company Ltd.; and Western </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Asset Management Company Pte. Ltd.</span> 0.0054 0.0775 -0.0144 0.0211 <span style="font-family:Arial;font-size:9pt;">Current Expenses take into account expense reimbursement or fee waiver arrangements in place that are generally expected to continue through April 30, 2027 and may be terminated at any time at the option of the Fund. Annual expenses for the Eligible Portfolios for the year ended December 31, 2025, reflect temporary fee reductions under such an arrangement.</span><span style="font-family:Arial;font-size:9pt;">Premiums or transfers will only be accepted into this fund from policyowners already invested in this fund. Policyowners who remove all Cash Value allocations from this fund will not be permitted to reinvest in this fund.</span>