Fees and Expenses [Text Block]

FEES AND EXPENSES

Location in

Prospectus

Are There

Charges or

Adjustments for

Early

Withdrawals?

Yes.

•For Contracts without Early Access Feature. If you withdraw money from your

contract within 7 years following each Purchase Payment, you may be assessed a

withdrawal charge of up to 8% (for contracts issued on or after July 18, 2011) or 7%

(for contracts issued prior to July 18, 2011), as a percentage of each Purchase Payment

withdrawn.

•For Contracts with Early Access Feature. If you withdraw money from your contract

within 4 years following your purchase of the contract or your last Purchase Payment, you

may be assessed a withdrawal charge of up to 8%, as a percentage of each Purchase

Payment withdrawn.

For example, if you were to withdraw $100,000 during a withdrawal charge period, you

could be assessed a withdrawal charge of up to $8,000 if your maximum withdrawal

charge is 8% or $7,000 if your maximum withdrawal charge is 7%. This loss will be

greater if there are federal and state income taxes or tax-penalties.

Withdrawal Charges do not apply to certain withdrawals including the withdrawal up to

the annual penalty-free withdrawal amount which equals 10% of your Purchase Payments

not yet withdrawn.

Expenses –

Withdrawal

Charges

Are There

Transaction

Charges?

Yes, in addition to withdrawal charges, you may be charged for other transactions. You will

be charged for each transfer after 15 transfers in any contract year during the Accumulation

Phase. There may also be taxes on Purchase Payments.

Expenses

Are There Ongoing Fees and Expenses?	Yes. The table below describes the current fees and expenses of the contract that you may pay each year, depending on the investment options and optional benefits you choose. Please refer to your contract data page for information about the specific fees you will pay each year based on the options you have elected.			Expenses
	Annual Fee	Minimum	Maximum
	Base Contract1	1.16%	1.31%
	Investment Options2 (Underlying Fund fees and expenses)	0.46%	1.85%
	Optional Benefits Available for an Additional Charge (For a single optional benefit, if elected)	0.15%3	1.45%4
	1 As a percentage of the value in the Separate Account (includes a percentage attributable to the contract maintenance fee). 2 As a percentage of Underlying Fund net assets. 3 As a percentage of the average daily ending net asset value allocated to the Variable Portfolios. 4As a percentage of the Income Base used to calculate the guaranteed benefit. This represents the maximum initial rate for the most expensive optional benefit currently available. Because your contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the contract, which could add withdrawal charges that substantially increase costs.
	Lowest Annual Cost: $1,454	Highest Annual Cost: $4,460
	Assumes: •Investment of $100,000 •5% annual appreciation •Least expensive Underlying Fund fees and expenses •No optional benefits •No withdrawal charges •No additional Purchase Payments, transfers, or withdrawals	Assumes: •Investment of $100,000 •5% annual appreciation •Most expensive combination of optional benefits and Underlying Fund fees and expenses •No withdrawal charges •No additional Purchase Payments, transfers, or withdrawals

Charges for Early Withdrawals [Text Block]

Are There

Charges or

Adjustments for

Early

Withdrawals?

Yes.

•For Contracts without Early Access Feature. If you withdraw money from your

contract within 7 years following each Purchase Payment, you may be assessed a

withdrawal charge of up to 8% (for contracts issued on or after July 18, 2011) or 7%

(for contracts issued prior to July 18, 2011), as a percentage of each Purchase Payment

withdrawn.

•For Contracts with Early Access Feature. If you withdraw money from your contract

within 4 years following your purchase of the contract or your last Purchase Payment, you

may be assessed a withdrawal charge of up to 8%, as a percentage of each Purchase

Payment withdrawn.

For example, if you were to withdraw $100,000 during a withdrawal charge period, you

could be assessed a withdrawal charge of up to $8,000 if your maximum withdrawal

charge is 8% or $7,000 if your maximum withdrawal charge is 7%. This loss will be

greater if there are federal and state income taxes or tax-penalties.

Withdrawal Charges do not apply to certain withdrawals including the withdrawal up to

the annual penalty-free withdrawal amount which equals 10% of your Purchase Payments

not yet withdrawn.

Expenses –

Withdrawal

Charges

Surrender Charge Phaseout Period, Years | yr

Surrender Charge (of Purchase Payments) Maximum [Percent]

8.00%

Surrender Charge Example Maximum [Dollars]

$ 8,000

Transaction Charges [Text Block]

Are There

Transaction

Charges?

Yes, in addition to withdrawal charges, you may be charged for other transactions. You will

be charged for each transfer after 15 transfers in any contract year during the Accumulation

Phase. There may also be taxes on Purchase Payments.

Expenses

Ongoing Fees and Expenses [Table Text Block]

Are There Ongoing Fees and Expenses?	Yes. The table below describes the current fees and expenses of the contract that you may pay each year, depending on the investment options and optional benefits you choose. Please refer to your contract data page for information about the specific fees you will pay each year based on the options you have elected.			Expenses
	Annual Fee	Minimum	Maximum
	Base Contract1	1.16%	1.31%
	Investment Options2 (Underlying Fund fees and expenses)	0.46%	1.85%
	Optional Benefits Available for an Additional Charge (For a single optional benefit, if elected)	0.15%3	1.45%4
	1 As a percentage of the value in the Separate Account (includes a percentage attributable to the contract maintenance fee). 2 As a percentage of Underlying Fund net assets. 3 As a percentage of the average daily ending net asset value allocated to the Variable Portfolios. 4As a percentage of the Income Base used to calculate the guaranteed benefit. This represents the maximum initial rate for the most expensive optional benefit currently available. Because your contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the contract, which could add withdrawal charges that substantially increase costs.
	Lowest Annual Cost: $1,454	Highest Annual Cost: $4,460
	Assumes: •Investment of $100,000 •5% annual appreciation •Least expensive Underlying Fund fees and expenses •No optional benefits •No withdrawal charges •No additional Purchase Payments, transfers, or withdrawals	Assumes: •Investment of $100,000 •5% annual appreciation •Most expensive combination of optional benefits and Underlying Fund fees and expenses •No withdrawal charges •No additional Purchase Payments, transfers, or withdrawals

Base Contract (of Other Amount) (N-4) Minimum [Percent]

1.16%

Base Contract (of Other Amount) (N-4) Maximum [Percent]

1.31%

Investment Options (of Average Annual Net Assets) Minimum [Percent]

0.46%

Investment Options (of Average Annual Net Assets) Maximum [Percent]

1.85%

Optional Benefits Minimum [Percent]

0.15%

Optional Benefits Maximum [Percent]

1.45%

Base Contract (N-4) Footnotes [Text Block]

As a percentage of the value in the Separate Account (includes a percentage attributable to the contract maintenance fee).

Optional Benefits Footnotes [Text Block]

As a percentage of the average daily ending net asset value allocated to the Variable Portfolios.4As a percentage of the Income Base used to calculate the guaranteed benefit. This represents the maximum initial rate for the most expensive optional benefit currently available.

Investment Options Footnotes [Text Block]

As a percentage of Underlying Fund net assets.

Lowest Annual Cost [Dollars]

$ 1,454

Highest Annual Cost [Dollars]

$ 4,460

Risks [Table Text Block]

	RISKS			Location in Prospectus
Is There a Risk of Loss from Poor Performance?	Yes. You can lose money by investing in this contract, including possible loss of your principal investment.			Principal Risks of Investing in the Contract

Investment Restrictions [Text Block]

Yes.Transfer Restrictions.•During the Accumulation Phase, you must transfer at least $100 per transfer between any of the Variable Portfolios and/or any available Fixed Accounts. If less than $100 remains in any Variable Portfolio or Fixed Account after a transfer, that amount must be transferred as well. Funds already in your contract cannot be transferred to the DCA Fixed Account, if available. A transfer request will be priced as of the day it is received before Market Close. If the transfer request is received after Market Close, the request will be priced as of the next NYSE business day.•During the Income Phase, only one transfer per month is permitted between the Variable Portfolios. No other transfers are allowed during the Income Phase. Transfers will be effected for the last NYSE business day of the month in which we receive your request for the transfer. You may not use the DCA Programor the Automatic Asset Rebalancing Program during the Income Phase.•Your transfers between the Variable Portfolios are subject to policies designed to deter frequent and short-term trading.Investment Restrictions. If you elect an optional Living Benefit, not all investment options may be available and you must invest in accordance with the applicable investment requirements. You may be required to invest a certain percentage of your contract value in a certain investment option, including the Secure Value Account which is only available with certain option Living Benefits. We reserve the right to modify the investment requirements in the future. If you do not elect any optional benefit, or if the only optional benefit you elect is a death benefit, your contract is not subject to investment requirements.Availability of Variable Portfolios. We may, subject to any applicable law, make certain changes to the Variable Portfolios offered in your contract. We may offer new Variable Portfolios or stop offering existing Variable Portfolios. New Variable Portfolios may be made available to existing contract Owners, and Variable Portfolios may be closed to new or subsequent Purchase Payments, transfers or allocations. In addition, we may also liquidate the shares of any Variable Portfolio, substitute the shares of one Underlying Fund held by a Variable Portfolio for another and/or merge Variable Portfolios or cooperate in a merger of Underlying Funds. To the extent required by the Investment Company Act of 1940, as amended, we may be required to obtain SEC approval or your approval.The availability of investment options may vary depending on the broker-dealer through which the contract is sold. See APPENDIX M - BROKER-DEALER VARIATIONS.

Key Information, Benefit Restrictions [Text Block]

Yes.•There are restrictions and limitations relating to the benefits offered under the contract (e.g., death benefits, Living Benefits, DCA Fixed Account, DCA Program, Automatic Asset Rebalancing Program, Systematic Withdrawal Program, Automatic Payment Plan).•We reserve the right to modify or terminate the DCA Program, Automatic Asset Rebalancing Program, Systematic Withdrawal Program, and Automatic Payment Plan.•Withdrawals that exceed limits specified by the terms of a benefit may reduce the value of the benefit by an amount greater than the value withdrawn and could terminate the benefit.•The availability of contract benefits may vary depending on the broker-dealer through which the contract is sold. See APPENDIX M - BROKER-DEALER VARIATIONS.

Tax Implications [Text Block]

You should consult with a tax professional to determine the tax implications of an investment in and payments received under the contract.•If you purchase the contract through a tax-qualified plan or individual retirement account (IRA), there is no additional tax benefit under the contract.•Earnings under your contract are taxed at ordinary income tax rates when withdrawn. You may have to pay a tax penalty if you take a withdrawal before age 59½.

Investment Professional Compensation [Text Block]

Your financial representative may receive compensation for selling this contract to you in the form of commissions, additional cash compensation, and/or non-cash compensation. We may share the revenue we earn on this contract with your financial representative’s firm. Revenue sharing arrangements and commissions may provide selling firms and/or their registered representatives with an incentive to favor sales of our contracts over other variable annuity contracts (or other investments) with respect to which a selling firm does not receive the same level of additional compensation. You should ask your financial representative about how they are compensated.

Exchanges [Text Block]

Some financial representatives may have a financial incentive to offer you a new contract in place of the one you already own. You should exchange a contract you already own only if you determine, after comparing the features, fees, and risks of both contracts, that it is better for you to purchase the new contract rather than continue to own your existing contract.

Item 4. Fee Table [Text Block]

Fee Table FOR CONTRACTS ISSUED ON OR AFTER OCTOBER 13, 2020

The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from an investment option or from the contract. Please refer to your contract data page for information about the specific fees you will pay each year based on the options you have elected. The first table describes the fees and expenses that you pay at the time you surrender the contract, make withdrawals from an investment option or from the contract, or make transfers between investment options. State premium taxes may also be deducted.Contract Owner Transaction Expenses

Maximum Withdrawal Charges (as a percentage of each Purchase Payment withdrawn)	8%
Transfer Fee1 (Per transfer after 15 transfers in any contract year)	$25

Withdrawal Charge Schedule (as a percentage of each Purchase Payment withdrawn) declines over 7 years as follows:

Years Since Receipt of Purchase Payments	1	2	3	4	5	6	7	8+
	8%	7%	6%	5%	4%	3%	2%	0%

Your contract provides for a penalty-free withdrawal amount each year. Please see PENALTY-FREE WITHDRAWAL AMOUNT below.The following tables describe the fees and expenses you will pay each year during the time that you own the contract, not including Underlying Fund fees and expenses. If you chose to purchase an optional benefit, you will pay additional charges, as shown below. Contract Owner Annual Expenses

Contract Maintenance Fee

(assessed annually and may be waived if

contract value is $75,000 or more)

$50

Base Contract Expenses2

(deducted from the average daily ending net

asset value allocated to the Variable Portfolios)

1.15%

Optional Death Benefits (deducted from the average daily ending net asset value allocated to the Variable Portfolios) You may only elect one of the optional death benefits.

Return of Purchase Payment	0.15%
Maximum Anniversary Value	0.40%

Optional Living Benefits3 (calculated as percentage of the Income Base and deducted from the contract value) You may only elect one of the optional Living Benefits. Polaris Income Max
Polaris Income Plus Daily Flex

	Maximum Fee4
One Covered Person	2.50%
Two Covered Persons	2.50%

Lifetime Income Option Change Fee5

0.25%

Annual Underlying Fund Expenses

The following shows the minimum and maximum total operating expenses charged by the Underlying Funds of the Trusts, before any waivers or reimbursements, that you may pay periodically during the time that you own the contract. Expenses shown may change over time and may be higher or lower in the future. These amounts also include applicable fees and expenses if you choose to invest in certain Underlying Funds. A complete list of Underlying Funds available under the contract, including their annual expenses, may be found in Appendix A.

	Minimum	Maximum
Expenses deducted from Underlying Fund assets, including management fees, distribution and/or service (12b-1) fees, if applicable, and other expenses.	0.46%	1.85%

Footnotes to the Fee Table:1 In Pennsylvania and Texas, any transfer over the limit of 15 will incur a $10 transfer fee.2 Base Contract Expenses: If you do not elect any optional features, your total Base Contract Expense would be 1.15% annually. Beneficiary Expenses if Extended Legacy is Elected

If your Beneficiary elects to take the death benefit amount under the Extended Legacy Program, we will deduct an annual Base Contract Expense of 1.15% which is deducted daily from the average daily ending net asset value allocated to the Variable Portfolios. Please see Extended Legacy Program under DEATH BENEFITS.3 The fee is calculated as a percentage of the Income Base which determines the basis of the guaranteed benefit. The annual fee is deducted from your contract value at the end of the first quarter following election and quarterly thereafter. For a complete description of how the Income Base is calculated, please see OPTIONAL LIVING BENEFITS.4 The current initial annual fee rate is set forth in the Rate Sheet Supplement and is guaranteed not to change for the first Benefit Year. Subsequently, the fee rate may change quarterly subject to the parameters identified in the table below. Any fee adjustment is based on a non-discretionary formula tied to the change in the Volatility Index (“VIX®”), an index of market volatility reported by the Chicago Board Options Exchange. In general, as the average value of the VIX decreases or increases, your fee rate will decrease or increase accordingly, subject to the maximums identified in the Fee Table and the minimums described below. Please see APPENDIX C — FORMULA AND EXAMPLES OF CALCULATIONS OF THE POLARIS INCOME MAX AND POLARIS INCOME PLUS DAILY FLEX FEE. If you purchased your contract prior to May 1, 2023, please see APPENDIX F — LIVING BENEFITS FOR CONTRACTS ISSUED PRIOR TO MAY 1, 2023 for the initial annual fee rate applicable to your contract. If your contract was purchased on or after May 1, 2023, please see APPENDIX L - LIVING BENEFIT RATES FOR CONTRACTS ISSUED ON OR AFTER MAY 1, 2023 (EXCEPT IN NEW YORK).

Number of Covered Persons	Minimum Annual Fee Rate	Maximum Annualized Fee Rate Decrease or Increase Each Benefit Quarter*
One Covered Person	0.60%	±0.40%
Two Covered Persons	0.60%	±0.40%

*The fee rate can increase or decrease no more than 0.10% each quarter (0.40%/ 4). If you change your Income Option election on the Activation Date, the quarterly fee rate can increase no more than 0.1625% [(0.40% + 0.25%)/ 4] for the first Benefit Quarter immediately following the Activation Date.5 If you elect Polaris Income Max or Polaris Income Plus Daily Flex and you change your Income Option on the Activation Date, the Lifetime Income Option Change Fee will be assessed and deducted from your contract value starting on the first Benefit Quarter Anniversary following the Activation Date and quarterly thereafter. The fee is calculated as a percentage of the Income Base. The sum of the Living Benefit fee and Lifetime Income Option Change fee cannot exceed the Maximum Annual Fee shown in the Optional Living Benefits fee table.

Fee Table FOR CONTRACTS ISSUED PRIOR TO OCTOBER 13, 2020

The following tables describe the fees and expenses that you will pay when owning, and surrendering or making withdrawals from an investment option or from the contract. Please refer to your contract data page for information about the specific fees you will pay each year based on the options you have elected. The first table describes the fees and expenses that you pay at the time you surrender the contract, make withdrawals from an investment option or from the contract, or make transfers between investment options. State premium taxes may also be deducted. Contract Owner Transaction Expenses

Maximum Withdrawal Charges (as a percentage of each Purchase Payment withdrawn)	8%
Transfer Fee1 (Per transfer after 15 transfers in any contract year)	$25

Withdrawal Charge Schedule (as a percentage of each Purchase Payment withdrawn) declines over 7 or 4 years as follows:

Years Since Receipt of Purchase Payments	1	2	3	4	5	6	7	8+
Without Early Access feature	8%	7%	6%	5%	4%	3%	2%	0%
With Early Access feature (Contracts issued between May 1, 2016 and April 30, 2019)	8%	7%	6%	5%	0%	0%	0%	0%
Without Early Access feature (Contracts issued prior to July 18, 2011)	7%	6%	6%	5%	4%	3%	2%	0%

Contract Maintenance Fee (Contracts purchased on or after July 18, 2011) (assessed annually and may be waived if contract value is $75,000 or more)	$50
Contract Maintenance Fee (Contracts purchased prior to July 18, 2011) (assessed annually and may be waived if contract value is $50,000 or more)	$35

Base Contract Expenses2 (Contracts issued on or after May 1, 2017) (deducted from the average daily ending net asset value allocated to the Variable Portfolios)	1.15%
Base Contract Expenses2 (Contracts issued prior to May 1, 2017) (deducted from the average daily ending net asset value allocated to the Variable Portfolios)	1.30%

Optional Death Benefits (deducted from the average daily ending net asset value allocated to the Variable Portfolios)

Return of Purchase Payment	0.15%
Maximum Anniversary Value (Contracts issued on or after May 1, 2017)	0.40%
Maximum Anniversary Value (Contracts issued prior to May 1, 2017)	0.25%
Combination HV & Roll-Up (Contracts issued prior to January 23, 2012)	0.65%

Other Optional Feature (deducted from the average daily ending net asset value allocated to the Variable Portfolios)

Early Access Fee3

(Contracts issued between May 1, 2016 and

April 30, 2019)

0.40%

Optional Living Benefits4 (calculated as percentage of the Income Base and deducted from the contract value) Polaris Income Plus Flex
Polaris Income Plus Daily Flex (Contracts issued prior to October 13, 2020)

	Initial Fee5	Maximum Fee5
One Covered Person	1.25%	2.50%
Two Covered Persons	1.25%	2.50%

Lifetime Income Option Change Fee6

0.25%

Polaris Income Plus Daily (Polaris Income Plus Daily is not available for election after September 8, 2019) (Contracts issued on or after October 9, 2017)

	Initial Fee5	Maximum Fee5
One Covered Person	1.15%	2.50%
Two Covered Persons	1.35%	2.50%

(Contracts issued between May 1, 2017 and October 8, 2017)

	Initial Fee5	Maximum Fee5
One Covered Person	1.25%	2.20%
Two Covered Persons	1.45%	2.70%

(Contracts issued prior to May 1, 2017)

	Initial Fee5	Maximum Fee5
One Covered Person	1.10%	2.20%
Two Covered Persons	1.35%	2.70%

Polaris Income Plus
Polaris Income Builder (Polaris Income Plus is not available for election after September 8, 2019. Polaris Income Builder is not available for election after May 1, 2018) (Contracts issued on or after October 9, 2017)

	Initial Fee5	Maximum Fee5
One Covered Person	1.00%	2.50%
Two Covered Persons	1.25%	2.50%

(Contracts issued prior to October 9, 2017)

	Initial Fee5	Maximum Fee5
One Covered Person	1.10%	2.20%
Two Covered Persons	1.35%	2.70%

SunAmerica Income Plus
SunAmerica Income Builder

	Initial Fee5	Maximum Fee5
One Covered Person	1.10%	2.20%
Two Covered Persons	1.35%	2.70%

MarketLock For Life

	Annualized fee
One Covered Person	0.70%
Two Covered Persons	0.95%

MarketLock Income Plus

	Annualized fee
One Covered Person	1.10%
Two Covered Persons	1.35%

MarketLock For Life Plus

	Annualized fee
One Covered Person	0.95%
Two Covered Persons	1.25%

Annual Underlying Fund Expenses

	Minimum	Maximum
Expenses deducted from Underlying Fund assets, including management fees, distribution and/or service (12b-1) fees, if applicable, and other expenses.	0.46%	1.85%

Footnotes to the Fee Table: 1 In Pennsylvania and Texas, any transfer over the limit of 15 will incur a $10 transfer fee. Base Contract Expenses: If you do not elect any optional features, your total Base Contract Expense would be 1.15% annually for contracts issued on or after May 1, 2017 and 1.30% for contracts issued prior to May 1, 2017. Beneficiary Expenses if Extended Legacy is Elected

Contract Year
1-4	0.40%
5+	none

3 The fee is calculated as a percentage of the Income Base which determines the basis of the guaranteed benefit. The annual fee is deducted from your contract value at the end of the first quarter following election and quarterly thereafter. For a complete description of how the Income Base is calculated, please see OPTIONAL LIVING BENEFITS below. If you purchased your contract prior to May 1, 2023, please see APPENDIX F — LIVING BENEFITS FOR CONTRACTS ISSUED PRIOR TO May 1, 2023, for a description of the Living Benefit you may have elected. 4 The Initial Annual Fee Rate is guaranteed not to change for the first Benefit Year. Subsequently, the fee rate may change quarterly subject to the parameters identified in the table below. Any fee adjustment is based on a non-discretionary formula tied to the change in the Volatility Index (“VIX®”), an index of market volatility reported by the Chicago Board Options Exchange. In general, as the average value of the VIX decreases or increases, your fee rate will decrease or increase accordingly, subject to the maximums identified in the Fee Table and the minimums described below. If you purchased your contract prior to October 9, 2017, please see APPENDIX F — LIVING BENEFITS FOR CONTRACTS ISSUED PRIOR TO May 1, 2023 for applicable formula. (Contracts issued on or after October 9, 2017)

	Minimum Annual Fee Rate	Maximum Annualized Fee Rate Decrease or Increase Each Benefit Quarter*
One Covered Person	0.60%	±0.40%
Two Covered Persons	0.60%	±0.40%

*The fee rate can increase or decrease no more than 0.10% each quarter (0.40%/ 4). For Polaris Income Plus Flex and Polaris Income Plus Daily Flex only, if you change your Income Option election on the Activation Date, the quarterly fee rate can increase no more than 0.1625% [(0.40% + 0.25%)/4] for the first Benefit Quarter immediately following the Activation Date. (Contracts issued prior to October 9, 2017)

Number of Covered Persons	Minimum Annual Fee Rate	Maximum Annualized Fee Rate Decrease or Increase Each Benefit Quarter*
One Covered Person	0.60%	±0.25%
Two Covered Persons	0.60%	±0.25%

*The fee rate can increase or decrease no more than 0.0625% each quarter (0.25%/ 4). 5 If you elect Polaris Income Plus Flex or Polaris Income Plus Daily Flex and you change your Income Option on the Activation Date, the Lifetime Income Option Change Fee will be assessed and deducted from your contract value starting on the first Benefit Quarter Anniversary following the Activation Date and quarterly thereafter. The fee is calculated as a percentage of the Income Base. The sum of the Living Benefit fee and Lifetime Income Option Change fee cannot exceed the Maximum Annual Fee shown in the Optional Living Benefits fee table.

Transaction Expenses [Table Text Block]

Contract Owner Transaction Expenses

Maximum Withdrawal Charges (as a percentage of each Purchase Payment withdrawn)	8%
Transfer Fee1 (Per transfer after 15 transfers in any contract year)	$25

Withdrawal Charge Schedule (as a percentage of each Purchase Payment withdrawn) declines over 7 years as follows:

Years Since Receipt of Purchase Payments	1	2	3	4	5	6	7	8+
	8%	7%	6%	5%	4%	3%	2%	0%

Your contract provides for a penalty-free withdrawal amount each year. Please see PENALTY-FREE WITHDRAWAL AMOUNT below.

Deferred Sales Load (of Purchase Payments), Maximum [Percent]

8.00%

Transfer Fee, Maximum [Dollars]

$ 25

Transfer Fee, Footnotes [Text Block]

1 In Pennsylvania and Texas, any transfer over the limit of 15 will incur a $10 transfer fee.

Annual Contract Expenses [Table Text Block]

The following tables describe the fees and expenses you will pay each year during the time that you own the contract, not including Underlying Fund fees and expenses. If you chose to purchase an optional benefit, you will pay additional charges, as shown below. Contract Owner Annual Expenses

Contract Maintenance Fee

(assessed annually and may be waived if

contract value is $75,000 or more)

$50

Base Contract Expenses2

(deducted from the average daily ending net

asset value allocated to the Variable Portfolios)

1.15%

Optional Death Benefits (deducted from the average daily ending net asset value allocated to the Variable Portfolios) You may only elect one of the optional death benefits.

Return of Purchase Payment	0.15%
Maximum Anniversary Value	0.40%

	Maximum Fee4
One Covered Person	2.50%
Two Covered Persons	2.50%

Lifetime Income Option Change Fee5

0.25%

Administrative Expense, Maximum [Dollars]

$ 50

Base Contract Expense (of Average Account Value), Maximum [Percent]

1.15%

Base Contract Expense, Footnotes [Text Block]

2 Base Contract Expenses: If you do not elect any optional features, your total Base Contract Expense would be 1.15% annually. Beneficiary Expenses if Extended Legacy is Elected

Annual Portfolio Company Expenses [Table Text Block]

Annual Underlying Fund Expenses

	Minimum	Maximum
Expenses deducted from Underlying Fund assets, including management fees, distribution and/or service (12b-1) fees, if applicable, and other expenses.	0.46%	1.85%

Portfolio Company Expenses [Text Block]

Expenses deducted from Underlying Fund assets, including management fees, distribution and/or service (12b-1) fees, if applicable, and other expenses.

Portfolio Company Expenses Minimum [Percent]

0.46%

Portfolio Company Expenses Maximum [Percent]

1.85%

Surrender Example [Table Text Block]

1 year	3 years	5 years	10 years
$12,560	$23,424	$29,535	$57,706

1 year	3 years	5 years	10 years
$9,607	$11,051	$12,732	$19,085

1 year	3 years	5 years	10 years
$12,168	$21,961	$31,543	$55,599

1 year	3 years	5 years	10 years
$9,607	$11,051	$12,732	$19,085

Annuitize Example [Table Text Block]

1 year	3 years	5 years	10 years
$4,560	$17,424	$29,535	$57,706

1 year	3 years	5 years	10 years
$1,607	$5,051	$8,732	$19,085

1 year	3 years	5 years	10 years
$4,168	$15,961	$27,543	$55,599

1 year	3 years	5 years	10 years
$1,607	$5,051	$8,732	$19,085

No Surrender Example [Table Text Block]

1 year	3 years	5 years	10 years
$4,560	$17,424	$29,535	$57,706

1 year	3 years	5 years	10 years
$1,607	$5,051	$8,732	$19,085

1 year	3 years	5 years	10 years
$4,168	$15,961	$27,543	$55,599

1 year	3 years	5 years	10 years
$1,607	$5,051	$8,732	$19,085

Item 5. Principal Risks [Table Text Block]

Principal Risks Of Investing In The Contract

Market Risk. Variable annuities involve risks, including possible loss of principal. An investment in the Variable Portfolios available under the contract is subject to the risk of negative investment performance. You can lose money by investing in this contract, including loss of principal and/or prior earnings. Your losses could be significant. This contract is not a deposit or obligation of, or guaranteed or endorsed by, any bank. This contract is not federally insured by the Federal Deposit Insurance Corporation, the Federal Reserve Board, or any other agency.Short-Term Investment Risk. This contract is not designed for short-term investing and may not be appropriate for an investor who needs ready access to cash. The benefits of tax deferral, long-term income, and Living Benefit protections mean that this contract is more beneficial to investors with a long investment time horizon.Early Withdrawal Risk. This contract is not designed for short-term investing and may not be appropriate for an investor who needs ready access to cash. You should carefully consider the risks associated with withdrawals under the contract. Withdrawals may be subject to significant withdrawal charges. If you make a withdrawal prior to age 59½, there may be adverse tax consequences, including a 10% IRS penalty tax. A withdrawal may reduce the value of your standard and optional benefits. For instance, a withdrawal will reduce the value of the death benefit. In addition, a withdrawal could reduce the value of an optional Living Benefit by an amount greater than the amount withdrawn and could result in termination of the benefit. A total withdrawal (surrender) will result in the termination of your contract. We may defer payment of withdrawals from a Fixed Account option (including the Secure Value Account) for up to six months when permitted by law. If you make a withdrawal within the first seven years (or the first four years for contracts with Early Access Feature), you may be assessed a Withdrawal Charge of up to 8% as a percentage of the payment amount withdrawn.Variable Portfolio Risk. Amounts that you invest in the Variable Portfolios are subject to the risk of poor investment performance. You assume the investment risk. You can gain or lose money if you invest in these Variable Portfolios. Each Variable Portfolio’s performance depends on the performance of its Underlying Fund. Each Underlying Fund has its own investment risks, and you are exposed to the Underlying Fund’s investment risks when you invest in a Variable Portfolio. You are responsible for allocating Purchase Payments to the Variable Portfolios that are appropriate for you based on your own individual circumstances, investment goals, financial situation, and risk tolerance. You bear the risk of any decline in contract value resulting from the performance of the Variable Portfolio you have selected. In making your investment selections, you should investigate all information available to you including the Underlying Fund’s prospectus, statement of additional information and annual and semi-annual reports. We do not provide investment advice, nor do we recommend or endorse any particular Underlying Fund.Selection Risk. The optional benefits under the contract were designed for different financial goals and to protect against different financial risks. There is a risk that you may not choose, or may not have chosen, the benefit or benefits (if any) that are best suited for you based on your present or future needs and circumstances, and the benefits that are more suited for you (if any) may no longer be available. In addition, if you elected an optional benefit and do not use it, or if the contingencies upon which the benefit depend never occur, you will have paid for a benefit that you may not use or benefit from.Investment Requirements Risk. If you elect an optional Living Benefit, you will be subject to investment requirements that limit the investment options that are available to you and limit your ability to take certain actions under the contract. These investment requirements are designed to reduce our risk that we will have to make payments to you from our own assets. In turn, they may also limit the potential growth of your contract value and the potential growth of your guaranteed benefits.Availability of Variable Portfolios Risk. We may, subject to any applicable law, make certain changes to the Variable Portfolios offered in your contract. We may offer new Variable Portfolios or stop offering existing Variable Portfolios. Variable Portfolios may be closed to new or subsequent Purchase Payments, transfers, or allocations. In addition, we may also liquidate shares of one Underlying Fund held by a Variable Portfolio for another and/or merge Variable Portfolios or cooperate in a merger of Underlying Funds. New Variable Portfolios may have different performance characteristics. There is no guarantee that a particular Variable Portfolio will always be available as an investment option under the contract.Managed Volatility Fund Risk. Certain Underlying Funds, including some Underlying Funds that are available under certain optional Living Benefits’ investment requirements, utilize managed volatility strategies. These risk management techniques help us manage our financial risks associated with the contract’s guarantees, like living and death benefits, because they reduce the incidence of extreme outcomes including the probability of large gains or losses. However, these strategies can also limit your participation in rising equity markets, which may limit the potential growth of your contract value and the potential growth of your guaranteed benefits.Purchase Payment Risk. Your ability to make subsequent Purchase Payments is subject to certain restrictions. We reserve the right to refuse any Purchase Payment(s), limit the amount of subsequent Purchase Payment(s) with advance notice based on age as shown below and election of optional benefit(s), and may require our prior approval before accepting Purchase Payments greater than the Purchase Payments Limit as defined in the Glossary. There is no guarantee that you will always be permitted to make Purchase Payments.Minimum Contract Value Risk. Where permitted by state law, we may terminate your contract if your contract value is less than $2,500 as a result of withdrawals and/or fees and charges. We will provide you with 60 days written notice that your contract is being terminated. At the end of the notice period, we will distribute the contract’s remaining value to you.Financial Strength and Claims-Paying Ability Risk. All guarantees under the contract that are paid from our general account (including under any Fixed Account option) are subject to our financial strength and claims-paying ability.Business Disruption. Our business is vulnerable to disruptions from natural and man-made disasters and catastrophes, such as, but not limited to, hurricanes, windstorms, flooding, earthquakes, wildfires, solar storms, war or other military action, acts of terrorism, explosions and fires, pandemics (such as COVID-19) and other highly contagious diseases, mass torts, failure of telecommunications or other critical infrastructure and other catastrophes. A natural or man-made disaster or catastrophe may negatively affect the computer and other systems on which we rely, including service outages or other unavailability, may interfere with our ability to receive, pickup and process mail, to calculate Accumulation Unit Values (“AUVs”), process other contract-related transactions, or to otherwise provide our services, or may have other possible negative impacts. While we have developed and put in place what we believe to be appropriate business continuity and disaster recovery plans and procedures to mitigate operational risks and potential losses related to business disruptions resulting from natural and man-made disasters and catastrophes, there can be no assurance that we, our agents, the Underlying Funds or our service providers will be able to successfully avoid negative impacts resulting from such disasters and catastrophes. Cybersecurity Risk. We rely heavily on interconnected computer systems and digital data to conduct our variable product business activities. Because our variable product business is highly dependent upon the effective operation of our computer systems and those of our business partners and service providers, our business is vulnerable to physical disruptions and utility outages, and susceptible to operational and information security risks resulting from information systems failure (e.g., hardware and software malfunctions), cyber-attacks, and user errors or other disruptions that may compromise the confidentiality, integrity, or availability of such systems and data. These risks include, among other things, the theft, misuse, corruption, disclosure and destruction of sensitive business data, including personal information, maintained on our or our business partners’ or service providers’ systems, interference with our websites (such as via denial of service attacks), other operational disruptions, and unauthorized release of confidential customer information. Such systems failures, cyber-attacks, or other disruptions affecting us, any third-party administrator, the Underlying Funds, intermediaries and other affiliated or third-party service providers, as well as our distribution partners, may adversely affect us and your contract value. For instance, systems failures and cyber-attacks may interfere with our processing of contract transactions, including the processing of orders from our website, our distribution partners, or with the Underlying Funds, impact our ability to calculate AUVs, cause the release and possible destruction of confidential customer or business information, including personal information, impede order processing, or subject us and/or our service providers, distribution partners and other intermediaries to regulatory fines and enforcement action, litigation risks and financial losses and/or cause reputational damage. Cybersecurity risks may also impact the issuers of securities in which the Underlying Funds invest, which may cause the affected Underlying Funds to lose value. There may be an increased risk of cyber-attacks during periods of geo-political or military conflict. Further, the widespread development, implementation, and use of AI, machine learning, data analytics and similar tools that collect, aggregate and analyze data or inputs (collectively, “AI Tools”) may increase our exposure to, or exacerbate the risks of, cyber-attacks or other security incidents, particularly where such technologies are exploited by third parties to attempt to breach our or our business partners’ and service providers’ systems. Despite our implementation of policies and procedures, which we believe to be reasonable, that address physical, administrative and technical safeguards and controls and other preventative actions to protect our systems and sensitive business and customer information, including personal information, and reduce the risk of cyber-incidents, there can be no assurance that we or our distribution partners, the Underlying Funds or our business partners and service providers will avoid cyber-attacks or information security breaches in the future that may affect your contract and/or personal information.

Benefits Available (N-4) [Text Block]

Benefits Available Under the Contract

The following tables summarize information about the benefits available under the contract. This prospectus utilizes a Rate Sheet Prospectus Supplement to provide the current rates and percentages for the available Living Benefit, including the current initial annual fee rate. To obtain a copy, please visit www.corebridgefinancial.com/ProductProspectuses. The availability of contract benefits may vary depending on the broker-dealer firm through which the contract is sold. See APPENDIX M - BROKER-DEALER VARIATIONS in the prospectus for additional information.Standard Benefits (No Additional Charge)

Name of Benefit	Purpose	Brief Description of Restrictions / Limitations
Contract Value Death Benefit	Provides a death benefit equal to the contract value	•Withdrawals may significantly reduce the benefit
Dollar Cost Averaging (DCA) Fixed Accounts	Interest is credited to amounts allocated to a DCA Fixed Account and your money is systematically transferred from the DCA Fixed Account to one or more investment options over a specified period of time	•Must be funded with a Purchase Payment, not transferred contract value •Minimum funding requirements apply •Only 6-Month, 12-Month, and 2-Year DCA Fixed Accounts may be available •Transfers may only occur on a monthly basis •Availability may be restricted based on date of contract issuance and election of optional benefits •Fixed Account options are not eligible to receive DCA transfers •The interest rates applicable to the DCA Fixed Accounts may differ from those applicable to any other Fixed Account but will never be less than the minimum guaranteed interest rate specified in your contract
Dollar Cost Averaging (DCA) Program	Allows you to have systematic transfers of a specified dollar amount or percentage of contract value from an investment option to one or more eligible investment options	•Transfers may only occur on a monthly basis and will not count towards the number of free transfers per contract year •Minimum per transfer is $100 regardless of source account •Fixed Account options are not eligible to receive DCA transfers •Upon notification of your death, we will terminate the DCA Program and transfer the remaining money according to the current allocation instructions on file
Automatic Asset Rebalancing	Allows you to have your investments periodically rebalanced to your pre-selected percentages	•Rebalancing may occur on a quarterly, semi-annual, or annual basis •Updated rebalancing instructions must be provided upon making a non-automatic transfer, otherwise rebalancing instructions will be automatically updated •Upon notification of your death, we will terminate the Automatic Asset Rebalancing Program •If you elect an optional Living Benefit, we will automatically enroll you in the Automatic Asset Rebalancing Program with quarterly rebalancing
Systematic Withdrawal Program	Allows you to receive periodic withdrawals from your contract	•Minimum withdrawal amount is $100 •Withdrawals may occur on a monthly, quarterly, semi-annual, or annual basis •Participation in program may be restricted if optional Living Benefit elected
Automatic Payment Plan	Allows you to make automatic Purchase Payments	•Minimum requirements for the initial and subsequent Purchase Payments and age restrictions apply •May not be available with election of certain Living Benefit features

Optional Benefits Available For Election

Name of Benefit	Purpose	Maximum Fee	Brief Description of Restrictions/ Limitations
Polaris Income Max Living Benefit	A guaranteed minimum withdrawal benefit, designed for individuals who want the guarantee of Income Credits prior to Activation Date	2.50% (as a percentage of Income Base)	•May be elected only at time of contract issue •Covered Person(s) must be age 50-80 at time of election •All withdrawals before guaranteed withdrawals are activated may significantly reduce or terminate the benefit •Withdrawal percentages depend on the Income Option you elect and the number and age of Covered Person(s) when guaranteed withdrawals are activated •Excess withdrawals after guaranteed withdrawals are activated may significantly reduce or terminate the benefit •Income Credits not available after guaranteed withdrawals are activated •Investment requirements limit available investment options •Purchase Payments subject to additional restrictions •May not be cancelled by you prior to the 5th benefit anniversary •Certain events will automatically terminate the benefit •May not be re-elected or reinstated after termination •May not be available for election through the broker-dealer with which your financial representative is affiliated •The broker-dealer with which your financial representative is affiliated may require you to elect an optional Living Benefit at time of contract issue •Fee may be deducted pro rata from variable portfolios only in certain states. Please see APPENDIX E – STATE CONTRACT AVAILABILITY AND/OR VARIABILITY for specific states.
Polaris Income Plus Daily Flex Living Benefit	A guaranteed minimum withdrawal benefit, designed for individuals who want greater investment option flexibility and more frequent step-up opportunities.	2.50% (as a percentage of Income Base)	•May be elected only at time of contract issue •Covered person(s) must be age 45-80 at time of election •Withdrawal percentages depend on the Income Option you elect and the number and age of Covered Person(s) when guaranteed withdrawals are activated •All withdrawals before guaranteed withdrawals are activated may significantly reduce or terminate the benefit •Excess withdrawals after guaranteed withdrawals are activated may significantly reduce or terminate the benefit •Minimum Income Base not available after guaranteed withdrawals are activated •Investment requirements limit available investment options •Purchase Payments subject to additional restrictions •May not be cancelled by you prior to the 5th benefit anniversary •Certain events will automatically terminate the benefit •May not be re-elected or reinstated after termination •May not be available for election through the broker-dealer with which your financial representative is affiliated •The broker-dealer with which your financial representative is affiliated may require you to elect an optional Living Benefit at time of contract issue •Fee may be deducted pro rata from variable portfolios only in certain states. Please see APPENDIX E – STATE CONTRACT AVAILABILITY AND/OR VARIABILITY for specific states.
Return of Purchase Payment Death Benefit	Provides a death benefit based on the greater of contract value or Net Purchase Payments	0.15% (as a percentage of average daily net asset value allocated to the Variable Portfolios)	•May be elected only at time of contract issue •Must be younger than age 86 at time of election •Death benefit calculated differently depending on whether an optional Living Benefit has been elected •Withdrawals may significantly reduce the benefit •May not be available for election through the broker-dealer with which your financial representative is affiliated •The broker-dealer with which your financial representative is affiliated may require you to elect an optional death benefit at time of contract issue

Optional Benefits Available For Election (continued)

Name of Benefit	Purpose	Maximum Fee	Brief Description of Restrictions/ Limitations
Maximum Anniversary Value Death Benefit	Provides a death benefit based on the greatest of contract value, Net Purchase Payments, or highest contract value on an eligible contract anniversary	0.40% (as a percentage of average daily net asset value allocated to the Variable Portfolios)	•May be elected only at time of contract issue •Must be younger than age 81 at time of election •Death benefit calculated differently depending on whether an optional Living Benefit was elected •Withdrawals may significantly reduce the benefit •May not be available for election through the broker-dealer with which your financial representative is affiliated •The broker-dealer with which your financial representative is affiliated may require you to elect an optional death benefit at time of contract issue

Benefits Available [Table Text Block]

Standard Benefits (No Additional Charge)

Name of Benefit	Purpose	Brief Description of Restrictions / Limitations
Contract Value Death Benefit	Provides a death benefit equal to the contract value	•Withdrawals may significantly reduce the benefit
Dollar Cost Averaging (DCA) Fixed Accounts	Interest is credited to amounts allocated to a DCA Fixed Account and your money is systematically transferred from the DCA Fixed Account to one or more investment options over a specified period of time	•Must be funded with a Purchase Payment, not transferred contract value •Minimum funding requirements apply •Only 6-Month, 12-Month, and 2-Year DCA Fixed Accounts may be available •Transfers may only occur on a monthly basis •Availability may be restricted based on date of contract issuance and election of optional benefits •Fixed Account options are not eligible to receive DCA transfers •The interest rates applicable to the DCA Fixed Accounts may differ from those applicable to any other Fixed Account but will never be less than the minimum guaranteed interest rate specified in your contract
Dollar Cost Averaging (DCA) Program	Allows you to have systematic transfers of a specified dollar amount or percentage of contract value from an investment option to one or more eligible investment options	•Transfers may only occur on a monthly basis and will not count towards the number of free transfers per contract year •Minimum per transfer is $100 regardless of source account •Fixed Account options are not eligible to receive DCA transfers •Upon notification of your death, we will terminate the DCA Program and transfer the remaining money according to the current allocation instructions on file
Automatic Asset Rebalancing	Allows you to have your investments periodically rebalanced to your pre-selected percentages	•Rebalancing may occur on a quarterly, semi-annual, or annual basis •Updated rebalancing instructions must be provided upon making a non-automatic transfer, otherwise rebalancing instructions will be automatically updated •Upon notification of your death, we will terminate the Automatic Asset Rebalancing Program •If you elect an optional Living Benefit, we will automatically enroll you in the Automatic Asset Rebalancing Program with quarterly rebalancing
Systematic Withdrawal Program	Allows you to receive periodic withdrawals from your contract	•Minimum withdrawal amount is $100 •Withdrawals may occur on a monthly, quarterly, semi-annual, or annual basis •Participation in program may be restricted if optional Living Benefit elected
Automatic Payment Plan	Allows you to make automatic Purchase Payments	•Minimum requirements for the initial and subsequent Purchase Payments and age restrictions apply •May not be available with election of certain Living Benefit features

Optional Benefits Available For Election

Name of Benefit	Purpose	Maximum Fee	Brief Description of Restrictions/ Limitations
Polaris Income Max Living Benefit	A guaranteed minimum withdrawal benefit, designed for individuals who want the guarantee of Income Credits prior to Activation Date	2.50% (as a percentage of Income Base)	•May be elected only at time of contract issue •Covered Person(s) must be age 50-80 at time of election •All withdrawals before guaranteed withdrawals are activated may significantly reduce or terminate the benefit •Withdrawal percentages depend on the Income Option you elect and the number and age of Covered Person(s) when guaranteed withdrawals are activated •Excess withdrawals after guaranteed withdrawals are activated may significantly reduce or terminate the benefit •Income Credits not available after guaranteed withdrawals are activated •Investment requirements limit available investment options •Purchase Payments subject to additional restrictions •May not be cancelled by you prior to the 5th benefit anniversary •Certain events will automatically terminate the benefit •May not be re-elected or reinstated after termination •May not be available for election through the broker-dealer with which your financial representative is affiliated •The broker-dealer with which your financial representative is affiliated may require you to elect an optional Living Benefit at time of contract issue •Fee may be deducted pro rata from variable portfolios only in certain states. Please see APPENDIX E – STATE CONTRACT AVAILABILITY AND/OR VARIABILITY for specific states.
Polaris Income Plus Daily Flex Living Benefit	A guaranteed minimum withdrawal benefit, designed for individuals who want greater investment option flexibility and more frequent step-up opportunities.	2.50% (as a percentage of Income Base)	•May be elected only at time of contract issue •Covered person(s) must be age 45-80 at time of election •Withdrawal percentages depend on the Income Option you elect and the number and age of Covered Person(s) when guaranteed withdrawals are activated •All withdrawals before guaranteed withdrawals are activated may significantly reduce or terminate the benefit •Excess withdrawals after guaranteed withdrawals are activated may significantly reduce or terminate the benefit •Minimum Income Base not available after guaranteed withdrawals are activated •Investment requirements limit available investment options •Purchase Payments subject to additional restrictions •May not be cancelled by you prior to the 5th benefit anniversary •Certain events will automatically terminate the benefit •May not be re-elected or reinstated after termination •May not be available for election through the broker-dealer with which your financial representative is affiliated •The broker-dealer with which your financial representative is affiliated may require you to elect an optional Living Benefit at time of contract issue •Fee may be deducted pro rata from variable portfolios only in certain states. Please see APPENDIX E – STATE CONTRACT AVAILABILITY AND/OR VARIABILITY for specific states.
Return of Purchase Payment Death Benefit	Provides a death benefit based on the greater of contract value or Net Purchase Payments	0.15% (as a percentage of average daily net asset value allocated to the Variable Portfolios)	•May be elected only at time of contract issue •Must be younger than age 86 at time of election •Death benefit calculated differently depending on whether an optional Living Benefit has been elected •Withdrawals may significantly reduce the benefit •May not be available for election through the broker-dealer with which your financial representative is affiliated •The broker-dealer with which your financial representative is affiliated may require you to elect an optional death benefit at time of contract issue

Optional Benefits Available For Election (continued)

Name of Benefit	Purpose	Maximum Fee	Brief Description of Restrictions/ Limitations
Maximum Anniversary Value Death Benefit	Provides a death benefit based on the greatest of contract value, Net Purchase Payments, or highest contract value on an eligible contract anniversary	0.40% (as a percentage of average daily net asset value allocated to the Variable Portfolios)	•May be elected only at time of contract issue •Must be younger than age 81 at time of election •Death benefit calculated differently depending on whether an optional Living Benefit was elected •Withdrawals may significantly reduce the benefit •May not be available for election through the broker-dealer with which your financial representative is affiliated •The broker-dealer with which your financial representative is affiliated may require you to elect an optional death benefit at time of contract issue

Benefits Description [Table Text Block]

Optional Living Benefits

General Information Applicable to All Living Benefits These optional Living Benefits are designed for individuals and their spouses who are seeking participation in the growth potential of the stock market and desire protection features that provide guaranteed lifetime/retirement income. The Living Benefits are designed to provide the contract owner(s) lifetime income with the flexibility to activate income at any time. Polaris Income Max allows the contract owner guaranteed rising income through Income Credits prior to the Activation Date. Polaris Income Plus Daily Flex allows the contract owner greater flexibility of investment options while providing the ability for the Income Base to step up more frequently to Step-up Values. If a contract is jointly owned by non-spousal joint Owners (which can include Domestic Partners) and either Owner dies, the surviving Owner must make an election in accordance with the death benefit provisions of the contract in compliance with the IRC, which terminates the Living Benefit. Please see DEATH BENEFITS below. Accordingly, the surviving Owner may not receive the full benefit of the Living Benefits. Please note that not all Living Benefits, investment options and/or Income Options may be available through the broker-dealer with which your financial representative is affiliated. Please check with your financial representative for availability and additional restrictions. Any withdrawals taken may be subject to a 10% IRS tax penalty if you are under age 59½ at the time of the withdrawal. For information about how the Living Benefit is treated for income tax purposes, you should consult a qualified tax adviser concerning your particular circumstances. In addition, if you have a Qualified contract, tax law and the terms of the plan may restrict withdrawal amounts.Depending on the broker-dealer with which your financial representative is affiliated, in order to purchase your contract, you may be required to elect a living benefit.Certain Living Benefits are no longer offered or have changed since first being offered. If your contract was issued prior to May 1, 2023, please see Appendix F for details regarding those benefits.Below is a glossary of Living Benefit Terms and a summary of the key features of the optional Living Benefits offered in your contract. Glossary of Living Benefit Terms Activation Date The date on which your Lifetime Income is activated. Upon activation of Lifetime Income, changes cannot be made to the Covered Person(s) or Income Options. Anniversary Value The contract value on any Benefit Year Anniversary. The Continuation Contribution, if applicable, is included in the calculation of Anniversary Values. Please see SPOUSAL CONTINUATION below. Benefit Effective Date The date the Living Benefit is elected. The Benefit Effective Date is the same as the Contract Issue Date. Benefit Quarter Each consecutive 3 month period starting on the Benefit Effective Date. Benefit Quarter Anniversary The date following each consecutive 3 month period starting on the Benefit Effective Date. If the next Benefit Quarter Anniversary has no corresponding date, then the Benefit Quarter Anniversary will be deemed to be the following day. For example, if a Benefit Quarter Anniversary is November 29, the next Benefit Quarter Anniversary would be February 29 of the following year; however, in a non-Leap Year, there is no corresponding date. Therefore, the next Benefit Quarter Anniversary would be March 1. Benefit Year Each consecutive one year period starting on the Benefit Effective Date. Benefit Year Anniversary The date on which each Benefit Year begins. Contract Year Each consecutive one year period starting on the Contract Issue Date. Covered Person(s) The person, or persons, whose lifetime withdrawals are guaranteed under the Living Benefit. Covered Person Changes The Covered Person(s) may be changed in the event of Life Change Event prior to or on the Activation Date. No further changes may be made to the Covered Person(s) after the Activation Date. Excess Withdrawal Any withdrawal, or portion of a withdrawal, that is taken in a Benefit Year after the Activation Date and exceeds the greater of the Maximum Annual Withdrawal Amount or the Required Minimum Distribution amount as calculated by the Annuity Service Center. An Excess Withdrawal will cause the Income Base and the Maximum Annual Withdrawal Amount to be recalculated. Higher Anniversary Value For Polaris Income Max, the current Anniversary Value that is greater than the current Income Base. Income Base The Income Base is a value used to determine the Living Benefit fee and the maximum amount that may be withdrawn each Benefit Year after the Activation Date without reducing the Income Base. The Income Base is also used to determine the amount paid each year over the lifetime of the Covered Person(s), if and when the contract value is reduced to zero, but the Income Base is still greater than zero, or upon the Latest Annuity Date. Income Credit Applicable to Polaris Income Max only, the Income Credit is an amount that may be added to the Income Base prior to the Activation Date as shown in the following table:

Optional Living Benefit	Income Credit (as a percentage of the Income Credit Base)	Income Credit Availability Prior to the Activation Date
Polaris Income Max	The applicable Income Credit Percentage is provided in the Rate Sheet Supplement	The Income Credit Base and Income Base are reduced proportionately for any withdrawals taken prior to the Activation Date
Polaris Income Plus Daily Flex	Not available

Income Credit Base Applicable to Polaris Income Max only, the Income Credit Base is used solely as a basis for calculating the Income Credit prior to the Activation Date. Income Credit Percentage Applicable to Polaris Income Max only, a percentage of the Income Credit Base used to determine the Income Credit amount prior to the Activation Date. The current Income Credit Percentage is provided in the Rate Sheet Supplement that must accompany this prospectus. Income Option The Income Option is elected by You at contract issue. The Maximum Annual Withdrawal Amounts and Protected Income Payments offered in each Income Option vary by age and whether you elect one or two Covered Persons. Income Option Change A one-time opportunity to change the Income Option of your initial Living Benefit election on the Activation Date. Investment Requirements In order to elect the Living Benefit, you must invest your money in accordance with certain requirements outlined under Investment Requirements for Optional Living Benefits in APPENDIX A - INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT. Life Change Event A change to the Covered Person(s) upon marriage, divorce or death if prior to the Activation Date. Lifetime Income Any withdrawal taken on or after the Activation Date that is all or part of the Maximum Annual Withdrawal Amount or Protected Income Payment. Maximum Annual Withdrawal Amount The maximum amount that may be withdrawn each Benefit Year on or after activating Lifetime Income and while the contract value is greater than zero without reducing the Income Base. Maximum Annual Withdrawal Percentage The percentage used to determine the Maximum Annual Withdrawal Amount available for withdrawal each Benefit Year after activating Lifetime Income and while the contract value is greater than zero. The current Maximum Annual Withdrawal Percentages are provided in the Rate Sheet Supplement that must accompany this prospectus. Minimum Income Base Percentage Applicable to Polaris Income Plus Daily Flex only, a percentage by which the Minimum Income Base may increase on each Benefit Year Anniversary until the Activation Date. The current Minimum Income Base Percentage is provided in the Rate Sheet Supplement that must accompany this prospectus. Minimum Income Base Applicable to Polaris Income Plus Daily Flex only, the Minimum Income Base is a guaranteed minimum amount of the Income Base calculated on each Benefit Year Anniversary prior to the Activation Date. An annual Minimum Income Base Percentage will be applied to Purchase Payments received prior to the Activation Date. Any withdrawal taken prior to the Activation Date will proportionately reduce all Purchase Payments used in the calculation of the Minimum Income Base. Protected Income Payment The amount to be paid each year over the lifetime of the Covered Person(s) after the Activation Date, if and when the contract value is reduced to zero, but the Income Base is still greater than zero or if the Latest Annuity Date has been reached. Protected Income Payment Percentage The percentage used to determine the Protected Income Payment. The current Protected Income Payment Percentages are provided in the Rate Sheet Supplement that must accompany this prospectus. Step-up Value If you elect Polaris Income Plus Daily Flex, the Step-Up Value is used to determine the Income Base on a daily basis. The Step-Up Value is equal to the current contract value on any day where the current contract value is greater than the current Income Base due to favorable market performance. Please see the Rate Sheet Supplement that must accompany this prospectus for the applicable Initial Annual Fee Rate, Income Credit Percentage, Minimum Income Base Percentage, Maximum Annual Withdrawal Percentages and Protected Income Payment Percentages. If you need another copy of the prospectus or Rate Sheet Supplement, please call us at the Annuity Service Center at (800) 445-7862 or visit our website at www.corebridgefinancial.com/ProductProspectuses. All Rate Sheet prospectus supplements will be filed with the Securities and Exchange Commission and are available on the EDGAR system at www.sec.gov, file number 333-185762.

Item 17. Investment Options [Line Items]

Investment Options (N-4) [Text Block]

Appendix A – Investment Options Available Under The Contract

Underlying Funds The following is a list of Underlying Funds available under the contract. More information about the Underlying Funds is available in the prospectuses for the Underlying Funds, which may be amended from time to time and can be found online at www.corebridgefinancial.com/ProductProspectuses. You can also request this information at no cost by calling (855) 421-2692. Depending on the optional benefits you choose, you may not be able to invest in certain Underlying Funds. See “Investment Requirements For Optional Living Benefits” in this appendix. The current expenses and performance information below reflect fees and expenses of the Underlying Funds, but do not reflect the other fees and expenses that your contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Underlying Fund’s past performance is not necessarily an indication of future performance. The availability of Underlying Funds may vary depending on the broker-dealer firm through which the contract was sold. See APPENDIX M - BROKER-DEALER VARIATIONS in the prospectus for additional information.

Type	Underlying Fund – Share Class Advisor Subadvisor (if applicable)	Current Expenses	Average Annual Total Returns (as of 12/31/2025)
Type		Current Expenses	1 Year	5 Year	10 Year
Asset Allocation	Franklin Allocation VIP Fund – Class 2 Franklin Advisers, Inc.	0.82%*	12.60%	5.73%	7.32%
	Franklin Income VIP Fund – Class 2 Franklin Advisers, Inc.	0.72%	12.56%	7.66%	7.30%
	SA Allocation Aggressive Portfolio – Class 3 SunAmerica Asset Management, LLC	1.03%*	15.84%	8.05%	9.34%
	SA Allocation Balanced Portfolio – Class 3 SunAmerica Asset Management, LLC	1.00%*	10.96%	3.91%	5.79%
	SA Allocation Moderate Portfolio – Class 3 SunAmerica Asset Management, LLC	1.01%*	12.52%	5.48%	7.20%
	SA Allocation Moderately Aggressive Portfolio – Class 3 SunAmerica Asset Management, LLC	1.01%*	14.13%	6.52%	8.07%
	SA American Funds Asset Allocation Portfolio1 – Class 3 SunAmerica Asset Management, LLC Capital Research and Management Company	0.80%*	15.57%	8.70%	9.48%
	SA BlackRock Multi-Factor 70/30 Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.76%*	14.00%	6.55%	N/A
	SA Franklin Allocation Moderately Aggressive Portfolio – Class 3 SunAmerica Asset Management, LLC Franklin Advisers, Inc.	1.14%*	17.57%	10.49%	10.11%
	SA Franklin Tactical Opportunities Portfolio – Class 3 SunAmerica Asset Management, LLC Franklin Advisers, Inc.	1.07%*	15.14%	8.17%	N/A
	SA Global Index Allocation 60/40 Portfolio – Class 3 SunAmerica Asset Management, LLC	0.80%*	15.33%	5.96%	N/A
	SA Global Index Allocation 75/25 Portfolio – Class 3 SunAmerica Asset Management, LLC	0.81%*	17.73%	7.35%	N/A
	SA Global Index Allocation 90/10 Portfolio – Class 3 SunAmerica Asset Management, LLC	0.77%	20.04%	8.81%	N/A
	SA Goldman Sachs Multi-Asset Insights Portfolio – Class 3 SunAmerica Asset Management, LLC Goldman Sachs Asset Management, L.P.	1.11%*	18.82%	8.55%	N/A
	SA Index Allocation 60/40 Portfolio – Class 3 SunAmerica Asset Management, LLC	0.71%	13.13%	6.99%	N/A
	SA Index Allocation 80/20 Portfolio – Class 3 SunAmerica Asset Management, LLC	0.69%	15.51%	9.25%	N/A

Type	Underlying Fund – Share Class Advisor Subadvisor (if applicable)	Current Expenses	Average Annual Total Returns (as of 12/31/2025)
Type		Current Expenses	1 Year	5 Year	10 Year
Asset Allocation (continued)	SA Index Allocation 90/10 Portfolio – Class 3 SunAmerica Asset Management, LLC	0.69%	17.19%	10.39%	N/A
	SA JPMorgan Diversified Balanced Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc.	0.99%*	12.65%	5.80%	7.27%
	SA MFS Total Return Portfolio – Class 3 SunAmerica Asset Management, LLC Massachusetts Financial Services Company	0.96%	10.69%	6.03%	7.26%
	SA T. Rowe Price Allocation Moderately Aggressive Portfolio – Class 3 SunAmerica Asset Management, LLC T. Rowe Price Associates, Inc.	1.00%	15.39%	8.22%	N/A
	SA Wellington Strategic Multi-Asset Portfolio – Class 3 SunAmerica Asset Management, LLC Wellington Management Company LLP	1.06%*	14.09%	5.60%	7.17%
Bond	PIMCO Emerging Markets Bond Portfolio – Advisor Class Pacific Investment Management Company, LLC	1.27%	14.86%	2.34%	4.96%
	PIMCO Total Return Portfolio – Advisor Class Pacific Investment Management Company, LLC	0.83%	8.78%	-0.08%	2.26%
	SA American Century Inflation Managed Portfolio – Class 3 SunAmerica Asset Management, LLC American Century Investment Management, Inc.	0.85%	6.21%	0.63%	2.06%
	SA Federated Hermes Corporate Bond Portfolio – Class 3 SunAmerica Asset Management, LLC Federated Investment Management Company	0.80%	6.78%	0.15%	3.46%
	SA Fixed Income Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.59%*	6.05%	-0.84%	N/A
	SA Fixed Income Intermediate Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.59%*	6.04%	0.72%	N/A
	SA Goldman Sachs Government and Quality Bond Portfolio2 – Class 3 SunAmerica Asset Management, LLC Goldman Sachs Asset Management L.P.2	0.84%	6.31%	-1.02%	1.21%
	SA JPMorgan MFS Core Bond Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc. and Massachusetts Financial Services Company	0.78%*	6.98%	-0.17%	2.19%
	SA JPMorgan Ultra-Short Bond Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc.	0.80%	4.39%	2.20%	1.45%
	SA PIMCO Global Bond Opportunities Portfolio – Class 3 SunAmerica Asset Management, LLC Pacific Investment Management Company, LLC	1.18%*	8.72%	-3.61%	0.35%
	SA PineBridge High-Yield Bond Portfolio – Class 3 SunAmerica Asset Management, LLC PineBridge Investments, LLC	1.01%	8.16%	5.05%	6.94%
Cash	Goldman Sachs VIT Government Money Market Fund – Service Shares Goldman Sachs Asset Management, L.P.	0.43%*	3.94%	2.98%	1.90%
Stock	Invesco V.I. American Franchise Fund – Series II Invesco Advisers, Inc.	1.10%	11.39%	10.08%	14.58%
	Invesco V.I. Comstock Fund – Series II Invesco Advisers, Inc.	1.00%	17.14%	15.14%	11.67%

Type	Underlying Fund – Share Class Advisor Subadvisor (if applicable)	Current Expenses	Average Annual Total Returns (as of 12/31/2025)
Type		Current Expenses	1 Year	5 Year	10 Year
Stock (continued)	Invesco V.I. Growth and Income Fund – Series II Invesco Advisers, Inc.	1.00%	15.30%	12.56%	10.46%
	Lord Abbett Growth and Income Portfolio – Class VC Lord, Abbett & Co. LLC	0.93%	17.29%	13.35%	11.12%
	SA AB Growth Portfolio – Class 3 SunAmerica Asset Management, LLC AllianceBernstein L.P.	0.88%	12.79%	11.67%	15.85%
	SA AB Small & Mid Cap Value Portfolio – Class 3 SunAmerica Asset Management, LLC AllianceBernstein L.P.	1.16%*	2.32%	8.36%	8.27%
	SA American Funds Global Growth Portfolio1 – Class 3 SunAmerica Asset Management, LLC Capital Research and Management Company	0.95%*	21.35%	7.94%	11.86%
	SA American Funds Growth Portfolio1 – Class 3 SunAmerica Asset Management, LLC Capital Research and Management Company	0.85%*	19.91%	13.07%	17.65%
	SA American Funds Growth-Income Portfolio1 – Class 3 SunAmerica Asset Management, LLC Capital Research and Management Company	0.82%*	17.67%	13.57%	13.59%
	SA BlackRock Advantage International Portfolio3 – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC3	1.12%*	20.99%	5.23%	6.11%
	SA Emerging Markets Equity Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.83%*	32.65%	3.13%	N/A
	SA Fidelity Institutional AM Global Equities Portfolio4 – Class 3 SunAmerica Asset Management, LLC FIAM LLC4	1.07%*	21.87%	13.53%	11.10%
	SA Fidelity Institutional AM International Growth Portfolio – Class 3 SunAmerica Asset Management, LLC FIAM LLC	1.14%*	18.00%	5.76%	N/A
	SA Fidelity Institutional AM Real Estate Portfolio – Class 3 SunAmerica Asset Management, LLC FIAM LLC	1.10%	1.25%	4.65%	5.18%
	SA Franklin BW U.S. Large Cap Value Portfolio – Class 3 SunAmerica Asset Management, LLC Brandywine Global Investment Management, LLC	0.95%*	16.83%	13.57%	11.32%
	SA Franklin Small Company Value Portfolio – Class 3 SunAmerica Asset Management, LLC Franklin Mutual Advisers, LLC	1.25%*	6.14%	8.32%	9.41%
	SA Franklin Systematic U.S. Large Cap Core Portfolio – Class 3 SunAmerica Asset Management, LLC Franklin Advisers, Inc.	0.79%	18.02%	15.11%	N/A
	SA Franklin Systematic U.S. Large Cap Value Portfolio – Class 3 SunAmerica Asset Management, LLC Franklin Advisers, Inc.	0.89%	16.68%	11.52%	12.31%
	SA International Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.75%	30.60%	8.18%	N/A
	SA Invesco Growth Opportunities Portfolio – Class 3 SunAmerica Asset Management, LLC Invesco Advisers, Inc.	1.07%	5.92%	-0.96%	8.86%
	SA Janus Focused Growth Portfolio – Class 3 SunAmerica Asset Management, LLC Janus Capital Management, LLC	1.05%*	18.04%	11.40%	15.34%

Type	Underlying Fund – Share Class Advisor Subadvisor (if applicable)	Current Expenses	Average Annual Total Returns (as of 12/31/2025)
Type		Current Expenses	1 Year	5 Year	10 Year
Stock (continued)	SA JPMorgan Emerging Markets Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc.	1.41%*	36.00%	4.37%	8.15%
	SA JPMorgan Equity-Income Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc.	0.84%	14.31%	10.52%	10.81%
	SA JPMorgan Large Cap Core Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc.	0.94%*	14.15%	12.71%	12.44%
	SA JPMorgan Mid-Cap Growth Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc.	1.02%*	7.86%	3.99%	11.89%
	SA Large Cap Growth Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.60%	21.51%	14.35%	N/A
	SA Large Cap Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.50%*	17.27%	13.83%	14.18%
	SA Large Cap Value Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.60%*	12.57%	12.28%	N/A
	SA MFS Large Cap Growth Portfolio – Class 3 SunAmerica Asset Management, LLC Massachusetts Financial Services Company	0.93%	16.39%	14.85%	15.87%
	SA MFS Massachusetts Investors Trust Portfolio – Class 3 SunAmerica Asset Management, LLC Massachusetts Financial Services Company	0.95%*	13.52%	11.20%	12.37%
	SA Mid Cap Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.62%	6.76%	8.39%	N/A
	SA PIMCO RAE International Value Portfolio – Class 3 SunAmerica Asset Management, LLC Pacific Investment Management Company, LLC	1.09%*	35.91%	10.00%	5.99%
	SA Putnam International Value Portfolio – Class 3 SunAmerica Asset Management, LLC Putnam Investment Management, LLC	1.18%*	34.95%	12.59%	8.79%
	SA Small Cap Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.66%*	12.04%	5.28%	N/A
	SA Wellington Capital Appreciation Portfolio – Class 3 SunAmerica Asset Management, LLC Wellington Management Company LLP	0.98%	14.26%	8.54%	15.75%
Volatility Control	SA American Funds VCP Managed Allocation Portfolio1 – Class 3 SunAmerica Asset Management, LLC Capital Research and Management Company	1.15%*	10.83%	7.40%	7.96%
	SA Schroders VCP Global Allocation Portfolio – Class 3 SunAmerica Asset Management, LLC Schroder Investment Management North America	1.16%*	12.32%	5.73%	N/A
	SA T. Rowe Price VCP Balanced Portfolio – Class 3 SunAmerica Asset Management, LLC T. Rowe Price Associates, Inc.	1.09%	15.97%	6.81%	N/A
	SA VCP Dynamic Allocation Portfolio – Class 3 SunAmerica Asset Management, LLC AllianceBernstein L.P.	1.01%	11.13%	5.34%	7.51%

Type	Underlying Fund – Share Class Advisor Subadvisor (if applicable)	Current Expenses	Average Annual Total Returns (as of 12/31/2025)
Type		Current Expenses	1 Year	5 Year	10 Year
Volatility Control (continued)	SA VCP Dynamic Strategy Portfolio – Class 3 SunAmerica Asset Management, LLC AllianceBernstein L.P.	1.03%	10.89%	5.66%	7.19%
	SA VCP Index Allocation Portfolio – Class 3 SunAmerica Asset Management, LLC T. Rowe Price Associates, Inc.	0.78%	11.82%	7.29%	N/A

* This Underlying Fund is subject to an expense reimbursement or fee waiver arrangement resulting in a temporary expense reduction. See the Underlying Fund prospectus for additional information. 1Capital Research and Management Company is the investment adviser of the master fund in which this Underlying Fund (Master-Feeder Fund) invests. Under a master-feeder fund structure, the feeder fund does not buy individual securities directly. Rather, the feeder fund invests all of its investment assets in a corresponding master fund, which invests directly in individual securities. 2On July 28, 2025, SA Wellington Government and Quality Bond Portfolio was renamed SA Goldman Sachs Government and Quality Bond Portfolio and Goldman Sachs Asset Management L.P. became its subadvisor. 3On May 1, 2026, SA Morgan Stanley International Equities Portfolio was renamed SA BlackRock Advantage International Portfolio and BlackRock Investment Management, LLC became its subadvisor. 4On July 28, 2025, SA JPMorgan Global Equities Portfolio was renamed SA Fidelity Institutional AM Global Equities Portfolio and FIAM LLC became its subadvisor.

Prospectuses Available [Text Block]

Maximum Withdrawal Charges (as a percentage of each Purchase Payment withdrawn)	8%
Transfer Fee1 (Per transfer after 15 transfers in any contract year)	$25

The following is a list of Underlying Funds available under the contract. More information about the Underlying Funds is available in the prospectuses for the Underlying Funds, which may be amended from time to time and can be found online at www.corebridgefinancial.com/ProductProspectuses. You can also request this information at no cost by calling (855) 421-2692. Depending on the optional benefits you choose, you may not be able to invest in certain Underlying Funds. See “Investment Requirements For Optional Living Benefits” in this appendix. The current expenses and performance information below reflect fees and expenses of the Underlying Funds, but do not reflect the other fees and expenses that your contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Underlying Fund’s past performance is not necessarily an indication of future performance.

Type	Underlying Fund – Share Class Advisor Subadvisor (if applicable)	Current Expenses	Average Annual Total Returns (as of 12/31/2025)
Type		Current Expenses	1 Year	5 Year	10 Year
Asset Allocation	Franklin Allocation VIP Fund – Class 2 Franklin Advisers, Inc.	0.82%*	12.60%	5.73%	7.32%
	Franklin Income VIP Fund – Class 2 Franklin Advisers, Inc.	0.72%	12.56%	7.66%	7.30%
	SA Allocation Aggressive Portfolio – Class 3 SunAmerica Asset Management, LLC	1.03%*	15.84%	8.05%	9.34%
	SA Allocation Balanced Portfolio – Class 3 SunAmerica Asset Management, LLC	1.00%*	10.96%	3.91%	5.79%
	SA Allocation Moderate Portfolio – Class 3 SunAmerica Asset Management, LLC	1.01%*	12.52%	5.48%	7.20%
	SA Allocation Moderately Aggressive Portfolio – Class 3 SunAmerica Asset Management, LLC	1.01%*	14.13%	6.52%	8.07%
	SA American Funds Asset Allocation Portfolio1 – Class 3 SunAmerica Asset Management, LLC Capital Research and Management Company	0.80%*	15.57%	8.70%	9.48%
	SA BlackRock Multi-Factor 70/30 Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.76%*	14.00%	6.55%	N/A
	SA Franklin Allocation Moderately Aggressive Portfolio – Class 3 SunAmerica Asset Management, LLC Franklin Advisers, Inc.	1.14%*	17.57%	10.49%	10.11%
	SA Franklin Tactical Opportunities Portfolio – Class 3 SunAmerica Asset Management, LLC Franklin Advisers, Inc.	1.07%*	15.14%	8.17%	N/A
	SA Global Index Allocation 60/40 Portfolio – Class 3 SunAmerica Asset Management, LLC	0.80%*	15.33%	5.96%	N/A
	SA Global Index Allocation 75/25 Portfolio – Class 3 SunAmerica Asset Management, LLC	0.81%*	17.73%	7.35%	N/A
	SA Global Index Allocation 90/10 Portfolio – Class 3 SunAmerica Asset Management, LLC	0.77%	20.04%	8.81%	N/A
	SA Goldman Sachs Multi-Asset Insights Portfolio – Class 3 SunAmerica Asset Management, LLC Goldman Sachs Asset Management, L.P.	1.11%*	18.82%	8.55%	N/A
	SA Index Allocation 60/40 Portfolio – Class 3 SunAmerica Asset Management, LLC	0.71%	13.13%	6.99%	N/A
	SA Index Allocation 80/20 Portfolio – Class 3 SunAmerica Asset Management, LLC	0.69%	15.51%	9.25%	N/A

Type	Underlying Fund – Share Class Advisor Subadvisor (if applicable)	Current Expenses	Average Annual Total Returns (as of 12/31/2025)
Type		Current Expenses	1 Year	5 Year	10 Year
Asset Allocation (continued)	SA Index Allocation 90/10 Portfolio – Class 3 SunAmerica Asset Management, LLC	0.69%	17.19%	10.39%	N/A
	SA JPMorgan Diversified Balanced Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc.	0.99%*	12.65%	5.80%	7.27%
	SA MFS Total Return Portfolio – Class 3 SunAmerica Asset Management, LLC Massachusetts Financial Services Company	0.96%	10.69%	6.03%	7.26%
	SA T. Rowe Price Allocation Moderately Aggressive Portfolio – Class 3 SunAmerica Asset Management, LLC T. Rowe Price Associates, Inc.	1.00%	15.39%	8.22%	N/A
	SA Wellington Strategic Multi-Asset Portfolio – Class 3 SunAmerica Asset Management, LLC Wellington Management Company LLP	1.06%*	14.09%	5.60%	7.17%
Bond	PIMCO Emerging Markets Bond Portfolio – Advisor Class Pacific Investment Management Company, LLC	1.27%	14.86%	2.34%	4.96%
	PIMCO Total Return Portfolio – Advisor Class Pacific Investment Management Company, LLC	0.83%	8.78%	-0.08%	2.26%
	SA American Century Inflation Managed Portfolio – Class 3 SunAmerica Asset Management, LLC American Century Investment Management, Inc.	0.85%	6.21%	0.63%	2.06%
	SA Federated Hermes Corporate Bond Portfolio – Class 3 SunAmerica Asset Management, LLC Federated Investment Management Company	0.80%	6.78%	0.15%	3.46%
	SA Fixed Income Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.59%*	6.05%	-0.84%	N/A
	SA Fixed Income Intermediate Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.59%*	6.04%	0.72%	N/A
	SA Goldman Sachs Government and Quality Bond Portfolio2 – Class 3 SunAmerica Asset Management, LLC Goldman Sachs Asset Management L.P.2	0.84%	6.31%	-1.02%	1.21%
	SA JPMorgan MFS Core Bond Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc. and Massachusetts Financial Services Company	0.78%*	6.98%	-0.17%	2.19%
	SA JPMorgan Ultra-Short Bond Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc.	0.80%	4.39%	2.20%	1.45%
	SA PIMCO Global Bond Opportunities Portfolio – Class 3 SunAmerica Asset Management, LLC Pacific Investment Management Company, LLC	1.18%*	8.72%	-3.61%	0.35%
	SA PineBridge High-Yield Bond Portfolio – Class 3 SunAmerica Asset Management, LLC PineBridge Investments, LLC	1.01%	8.16%	5.05%	6.94%
Cash	Goldman Sachs VIT Government Money Market Fund – Service Shares Goldman Sachs Asset Management, L.P.	0.43%*	3.94%	2.98%	1.90%
Stock	Invesco V.I. American Franchise Fund – Series II Invesco Advisers, Inc.	1.10%	11.39%	10.08%	14.58%
	Invesco V.I. Comstock Fund – Series II Invesco Advisers, Inc.	1.00%	17.14%	15.14%	11.67%

Type	Underlying Fund – Share Class Advisor Subadvisor (if applicable)	Current Expenses	Average Annual Total Returns (as of 12/31/2025)
Type		Current Expenses	1 Year	5 Year	10 Year
Stock (continued)	Invesco V.I. Growth and Income Fund – Series II Invesco Advisers, Inc.	1.00%	15.30%	12.56%	10.46%
	Lord Abbett Growth and Income Portfolio – Class VC Lord, Abbett & Co. LLC	0.93%	17.29%	13.35%	11.12%
	SA AB Growth Portfolio – Class 3 SunAmerica Asset Management, LLC AllianceBernstein L.P.	0.88%	12.79%	11.67%	15.85%
	SA AB Small & Mid Cap Value Portfolio – Class 3 SunAmerica Asset Management, LLC AllianceBernstein L.P.	1.16%*	2.32%	8.36%	8.27%
	SA American Funds Global Growth Portfolio1 – Class 3 SunAmerica Asset Management, LLC Capital Research and Management Company	0.95%*	21.35%	7.94%	11.86%
	SA American Funds Growth Portfolio1 – Class 3 SunAmerica Asset Management, LLC Capital Research and Management Company	0.85%*	19.91%	13.07%	17.65%
	SA American Funds Growth-Income Portfolio1 – Class 3 SunAmerica Asset Management, LLC Capital Research and Management Company	0.82%*	17.67%	13.57%	13.59%
	SA BlackRock Advantage International Portfolio3 – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC3	1.12%*	20.99%	5.23%	6.11%
	SA Emerging Markets Equity Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.83%*	32.65%	3.13%	N/A
	SA Fidelity Institutional AM Global Equities Portfolio4 – Class 3 SunAmerica Asset Management, LLC FIAM LLC4	1.07%*	21.87%	13.53%	11.10%
	SA Fidelity Institutional AM International Growth Portfolio – Class 3 SunAmerica Asset Management, LLC FIAM LLC	1.14%*	18.00%	5.76%	N/A
	SA Fidelity Institutional AM Real Estate Portfolio – Class 3 SunAmerica Asset Management, LLC FIAM LLC	1.10%	1.25%	4.65%	5.18%
	SA Franklin BW U.S. Large Cap Value Portfolio – Class 3 SunAmerica Asset Management, LLC Brandywine Global Investment Management, LLC	0.95%*	16.83%	13.57%	11.32%
	SA Franklin Small Company Value Portfolio – Class 3 SunAmerica Asset Management, LLC Franklin Mutual Advisers, LLC	1.25%*	6.14%	8.32%	9.41%
	SA Franklin Systematic U.S. Large Cap Core Portfolio – Class 3 SunAmerica Asset Management, LLC Franklin Advisers, Inc.	0.79%	18.02%	15.11%	N/A
	SA Franklin Systematic U.S. Large Cap Value Portfolio – Class 3 SunAmerica Asset Management, LLC Franklin Advisers, Inc.	0.89%	16.68%	11.52%	12.31%
	SA International Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.75%	30.60%	8.18%	N/A
	SA Invesco Growth Opportunities Portfolio – Class 3 SunAmerica Asset Management, LLC Invesco Advisers, Inc.	1.07%	5.92%	-0.96%	8.86%
	SA Janus Focused Growth Portfolio – Class 3 SunAmerica Asset Management, LLC Janus Capital Management, LLC	1.05%*	18.04%	11.40%	15.34%

Type	Underlying Fund – Share Class Advisor Subadvisor (if applicable)	Current Expenses	Average Annual Total Returns (as of 12/31/2025)
Type		Current Expenses	1 Year	5 Year	10 Year
Stock (continued)	SA JPMorgan Emerging Markets Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc.	1.41%*	36.00%	4.37%	8.15%
	SA JPMorgan Equity-Income Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc.	0.84%	14.31%	10.52%	10.81%
	SA JPMorgan Large Cap Core Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc.	0.94%*	14.15%	12.71%	12.44%
	SA JPMorgan Mid-Cap Growth Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc.	1.02%*	7.86%	3.99%	11.89%
	SA Large Cap Growth Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.60%	21.51%	14.35%	N/A
	SA Large Cap Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.50%*	17.27%	13.83%	14.18%
	SA Large Cap Value Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.60%*	12.57%	12.28%	N/A
	SA MFS Large Cap Growth Portfolio – Class 3 SunAmerica Asset Management, LLC Massachusetts Financial Services Company	0.93%	16.39%	14.85%	15.87%
	SA MFS Massachusetts Investors Trust Portfolio – Class 3 SunAmerica Asset Management, LLC Massachusetts Financial Services Company	0.95%*	13.52%	11.20%	12.37%
	SA Mid Cap Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.62%	6.76%	8.39%	N/A
	SA PIMCO RAE International Value Portfolio – Class 3 SunAmerica Asset Management, LLC Pacific Investment Management Company, LLC	1.09%*	35.91%	10.00%	5.99%
	SA Putnam International Value Portfolio – Class 3 SunAmerica Asset Management, LLC Putnam Investment Management, LLC	1.18%*	34.95%	12.59%	8.79%
	SA Small Cap Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.66%*	12.04%	5.28%	N/A
	SA Wellington Capital Appreciation Portfolio – Class 3 SunAmerica Asset Management, LLC Wellington Management Company LLP	0.98%	14.26%	8.54%	15.75%
Volatility Control	SA American Funds VCP Managed Allocation Portfolio1 – Class 3 SunAmerica Asset Management, LLC Capital Research and Management Company	1.15%*	10.83%	7.40%	7.96%
	SA Schroders VCP Global Allocation Portfolio – Class 3 SunAmerica Asset Management, LLC Schroder Investment Management North America	1.16%*	12.32%	5.73%	N/A
	SA T. Rowe Price VCP Balanced Portfolio – Class 3 SunAmerica Asset Management, LLC T. Rowe Price Associates, Inc.	1.09%	15.97%	6.81%	N/A
	SA VCP Dynamic Allocation Portfolio – Class 3 SunAmerica Asset Management, LLC AllianceBernstein L.P.	1.01%	11.13%	5.34%	7.51%

Type	Underlying Fund – Share Class Advisor Subadvisor (if applicable)	Current Expenses	Average Annual Total Returns (as of 12/31/2025)
Type		Current Expenses	1 Year	5 Year	10 Year
Volatility Control (continued)	SA VCP Dynamic Strategy Portfolio – Class 3 SunAmerica Asset Management, LLC AllianceBernstein L.P.	1.03%	10.89%	5.66%	7.19%
	SA VCP Index Allocation Portfolio – Class 3 SunAmerica Asset Management, LLC T. Rowe Price Associates, Inc.	0.78%	11.82%	7.29%	N/A

Portfolio Companies [Table Text Block]

Type	Underlying Fund – Share Class Advisor Subadvisor (if applicable)	Current Expenses	Average Annual Total Returns (as of 12/31/2025)
Type		Current Expenses	1 Year	5 Year	10 Year
Asset Allocation	Franklin Allocation VIP Fund – Class 2 Franklin Advisers, Inc.	0.82%*	12.60%	5.73%	7.32%
	Franklin Income VIP Fund – Class 2 Franklin Advisers, Inc.	0.72%	12.56%	7.66%	7.30%
	SA Allocation Aggressive Portfolio – Class 3 SunAmerica Asset Management, LLC	1.03%*	15.84%	8.05%	9.34%
	SA Allocation Balanced Portfolio – Class 3 SunAmerica Asset Management, LLC	1.00%*	10.96%	3.91%	5.79%
	SA Allocation Moderate Portfolio – Class 3 SunAmerica Asset Management, LLC	1.01%*	12.52%	5.48%	7.20%
	SA Allocation Moderately Aggressive Portfolio – Class 3 SunAmerica Asset Management, LLC	1.01%*	14.13%	6.52%	8.07%
	SA American Funds Asset Allocation Portfolio1 – Class 3 SunAmerica Asset Management, LLC Capital Research and Management Company	0.80%*	15.57%	8.70%	9.48%
	SA BlackRock Multi-Factor 70/30 Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.76%*	14.00%	6.55%	N/A
	SA Franklin Allocation Moderately Aggressive Portfolio – Class 3 SunAmerica Asset Management, LLC Franklin Advisers, Inc.	1.14%*	17.57%	10.49%	10.11%
	SA Franklin Tactical Opportunities Portfolio – Class 3 SunAmerica Asset Management, LLC Franklin Advisers, Inc.	1.07%*	15.14%	8.17%	N/A
	SA Global Index Allocation 60/40 Portfolio – Class 3 SunAmerica Asset Management, LLC	0.80%*	15.33%	5.96%	N/A
	SA Global Index Allocation 75/25 Portfolio – Class 3 SunAmerica Asset Management, LLC	0.81%*	17.73%	7.35%	N/A
	SA Global Index Allocation 90/10 Portfolio – Class 3 SunAmerica Asset Management, LLC	0.77%	20.04%	8.81%	N/A
	SA Goldman Sachs Multi-Asset Insights Portfolio – Class 3 SunAmerica Asset Management, LLC Goldman Sachs Asset Management, L.P.	1.11%*	18.82%	8.55%	N/A
	SA Index Allocation 60/40 Portfolio – Class 3 SunAmerica Asset Management, LLC	0.71%	13.13%	6.99%	N/A
	SA Index Allocation 80/20 Portfolio – Class 3 SunAmerica Asset Management, LLC	0.69%	15.51%	9.25%	N/A

Type	Underlying Fund – Share Class Advisor Subadvisor (if applicable)	Current Expenses	Average Annual Total Returns (as of 12/31/2025)
Type		Current Expenses	1 Year	5 Year	10 Year
Asset Allocation (continued)	SA Index Allocation 90/10 Portfolio – Class 3 SunAmerica Asset Management, LLC	0.69%	17.19%	10.39%	N/A
	SA JPMorgan Diversified Balanced Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc.	0.99%*	12.65%	5.80%	7.27%
	SA MFS Total Return Portfolio – Class 3 SunAmerica Asset Management, LLC Massachusetts Financial Services Company	0.96%	10.69%	6.03%	7.26%
	SA T. Rowe Price Allocation Moderately Aggressive Portfolio – Class 3 SunAmerica Asset Management, LLC T. Rowe Price Associates, Inc.	1.00%	15.39%	8.22%	N/A
	SA Wellington Strategic Multi-Asset Portfolio – Class 3 SunAmerica Asset Management, LLC Wellington Management Company LLP	1.06%*	14.09%	5.60%	7.17%
Bond	PIMCO Emerging Markets Bond Portfolio – Advisor Class Pacific Investment Management Company, LLC	1.27%	14.86%	2.34%	4.96%
	PIMCO Total Return Portfolio – Advisor Class Pacific Investment Management Company, LLC	0.83%	8.78%	-0.08%	2.26%
	SA American Century Inflation Managed Portfolio – Class 3 SunAmerica Asset Management, LLC American Century Investment Management, Inc.	0.85%	6.21%	0.63%	2.06%
	SA Federated Hermes Corporate Bond Portfolio – Class 3 SunAmerica Asset Management, LLC Federated Investment Management Company	0.80%	6.78%	0.15%	3.46%
	SA Fixed Income Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.59%*	6.05%	-0.84%	N/A
	SA Fixed Income Intermediate Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.59%*	6.04%	0.72%	N/A
	SA Goldman Sachs Government and Quality Bond Portfolio2 – Class 3 SunAmerica Asset Management, LLC Goldman Sachs Asset Management L.P.2	0.84%	6.31%	-1.02%	1.21%
	SA JPMorgan MFS Core Bond Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc. and Massachusetts Financial Services Company	0.78%*	6.98%	-0.17%	2.19%
	SA JPMorgan Ultra-Short Bond Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc.	0.80%	4.39%	2.20%	1.45%
	SA PIMCO Global Bond Opportunities Portfolio – Class 3 SunAmerica Asset Management, LLC Pacific Investment Management Company, LLC	1.18%*	8.72%	-3.61%	0.35%
	SA PineBridge High-Yield Bond Portfolio – Class 3 SunAmerica Asset Management, LLC PineBridge Investments, LLC	1.01%	8.16%	5.05%	6.94%
Cash	Goldman Sachs VIT Government Money Market Fund – Service Shares Goldman Sachs Asset Management, L.P.	0.43%*	3.94%	2.98%	1.90%
Stock	Invesco V.I. American Franchise Fund – Series II Invesco Advisers, Inc.	1.10%	11.39%	10.08%	14.58%
	Invesco V.I. Comstock Fund – Series II Invesco Advisers, Inc.	1.00%	17.14%	15.14%	11.67%

Type	Underlying Fund – Share Class Advisor Subadvisor (if applicable)	Current Expenses	Average Annual Total Returns (as of 12/31/2025)
Type		Current Expenses	1 Year	5 Year	10 Year
Stock (continued)	Invesco V.I. Growth and Income Fund – Series II Invesco Advisers, Inc.	1.00%	15.30%	12.56%	10.46%
	Lord Abbett Growth and Income Portfolio – Class VC Lord, Abbett & Co. LLC	0.93%	17.29%	13.35%	11.12%
	SA AB Growth Portfolio – Class 3 SunAmerica Asset Management, LLC AllianceBernstein L.P.	0.88%	12.79%	11.67%	15.85%
	SA AB Small & Mid Cap Value Portfolio – Class 3 SunAmerica Asset Management, LLC AllianceBernstein L.P.	1.16%*	2.32%	8.36%	8.27%
	SA American Funds Global Growth Portfolio1 – Class 3 SunAmerica Asset Management, LLC Capital Research and Management Company	0.95%*	21.35%	7.94%	11.86%
	SA American Funds Growth Portfolio1 – Class 3 SunAmerica Asset Management, LLC Capital Research and Management Company	0.85%*	19.91%	13.07%	17.65%
	SA American Funds Growth-Income Portfolio1 – Class 3 SunAmerica Asset Management, LLC Capital Research and Management Company	0.82%*	17.67%	13.57%	13.59%
	SA BlackRock Advantage International Portfolio3 – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC3	1.12%*	20.99%	5.23%	6.11%
	SA Emerging Markets Equity Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.83%*	32.65%	3.13%	N/A
	SA Fidelity Institutional AM Global Equities Portfolio4 – Class 3 SunAmerica Asset Management, LLC FIAM LLC4	1.07%*	21.87%	13.53%	11.10%
	SA Fidelity Institutional AM International Growth Portfolio – Class 3 SunAmerica Asset Management, LLC FIAM LLC	1.14%*	18.00%	5.76%	N/A
	SA Fidelity Institutional AM Real Estate Portfolio – Class 3 SunAmerica Asset Management, LLC FIAM LLC	1.10%	1.25%	4.65%	5.18%
	SA Franklin BW U.S. Large Cap Value Portfolio – Class 3 SunAmerica Asset Management, LLC Brandywine Global Investment Management, LLC	0.95%*	16.83%	13.57%	11.32%
	SA Franklin Small Company Value Portfolio – Class 3 SunAmerica Asset Management, LLC Franklin Mutual Advisers, LLC	1.25%*	6.14%	8.32%	9.41%
	SA Franklin Systematic U.S. Large Cap Core Portfolio – Class 3 SunAmerica Asset Management, LLC Franklin Advisers, Inc.	0.79%	18.02%	15.11%	N/A
	SA Franklin Systematic U.S. Large Cap Value Portfolio – Class 3 SunAmerica Asset Management, LLC Franklin Advisers, Inc.	0.89%	16.68%	11.52%	12.31%
	SA International Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.75%	30.60%	8.18%	N/A
	SA Invesco Growth Opportunities Portfolio – Class 3 SunAmerica Asset Management, LLC Invesco Advisers, Inc.	1.07%	5.92%	-0.96%	8.86%
	SA Janus Focused Growth Portfolio – Class 3 SunAmerica Asset Management, LLC Janus Capital Management, LLC	1.05%*	18.04%	11.40%	15.34%

Type	Underlying Fund – Share Class Advisor Subadvisor (if applicable)	Current Expenses	Average Annual Total Returns (as of 12/31/2025)
Type		Current Expenses	1 Year	5 Year	10 Year
Stock (continued)	SA JPMorgan Emerging Markets Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc.	1.41%*	36.00%	4.37%	8.15%
	SA JPMorgan Equity-Income Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc.	0.84%	14.31%	10.52%	10.81%
	SA JPMorgan Large Cap Core Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc.	0.94%*	14.15%	12.71%	12.44%
	SA JPMorgan Mid-Cap Growth Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc.	1.02%*	7.86%	3.99%	11.89%
	SA Large Cap Growth Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.60%	21.51%	14.35%	N/A
	SA Large Cap Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.50%*	17.27%	13.83%	14.18%
	SA Large Cap Value Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.60%*	12.57%	12.28%	N/A
	SA MFS Large Cap Growth Portfolio – Class 3 SunAmerica Asset Management, LLC Massachusetts Financial Services Company	0.93%	16.39%	14.85%	15.87%
	SA MFS Massachusetts Investors Trust Portfolio – Class 3 SunAmerica Asset Management, LLC Massachusetts Financial Services Company	0.95%*	13.52%	11.20%	12.37%
	SA Mid Cap Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.62%	6.76%	8.39%	N/A
	SA PIMCO RAE International Value Portfolio – Class 3 SunAmerica Asset Management, LLC Pacific Investment Management Company, LLC	1.09%*	35.91%	10.00%	5.99%
	SA Putnam International Value Portfolio – Class 3 SunAmerica Asset Management, LLC Putnam Investment Management, LLC	1.18%*	34.95%	12.59%	8.79%
	SA Small Cap Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.66%*	12.04%	5.28%	N/A
	SA Wellington Capital Appreciation Portfolio – Class 3 SunAmerica Asset Management, LLC Wellington Management Company LLP	0.98%	14.26%	8.54%	15.75%
Volatility Control	SA American Funds VCP Managed Allocation Portfolio1 – Class 3 SunAmerica Asset Management, LLC Capital Research and Management Company	1.15%*	10.83%	7.40%	7.96%
	SA Schroders VCP Global Allocation Portfolio – Class 3 SunAmerica Asset Management, LLC Schroder Investment Management North America	1.16%*	12.32%	5.73%	N/A
	SA T. Rowe Price VCP Balanced Portfolio – Class 3 SunAmerica Asset Management, LLC T. Rowe Price Associates, Inc.	1.09%	15.97%	6.81%	N/A
	SA VCP Dynamic Allocation Portfolio – Class 3 SunAmerica Asset Management, LLC AllianceBernstein L.P.	1.01%	11.13%	5.34%	7.51%

Type	Underlying Fund – Share Class Advisor Subadvisor (if applicable)	Current Expenses	Average Annual Total Returns (as of 12/31/2025)
Type		Current Expenses	1 Year	5 Year	10 Year
Volatility Control (continued)	SA VCP Dynamic Strategy Portfolio – Class 3 SunAmerica Asset Management, LLC AllianceBernstein L.P.	1.03%	10.89%	5.66%	7.19%
	SA VCP Index Allocation Portfolio – Class 3 SunAmerica Asset Management, LLC T. Rowe Price Associates, Inc.	0.78%	11.82%	7.29%	N/A

Temporary Fee Reductions, Current Expenses [Text Block]

This Underlying Fund is subject to an expense reimbursement or fee waiver arrangement resulting in a temporary expense reduction. See the Underlying Fund prospectus for additional information.

Fixed Options Available Legend [Text Block]

Fixed Accounts The following is a list of Fixed Accounts currently available under the contract. We may change the features of the Fixed Accounts listed below, offer new Fixed Accounts, and terminate existing Fixed Accounts. We will provide you with written notice before doing so. See INVESTMENT OPTIONS - FIXED ACCOUNTS in the prospectus for a description of the Fixed Accounts' features.

Name	Terms	Minimum Guaranteed Interest Rate
1-Year Fixed Account	1-Year	1%
Dollar Cost Averaging Fixed Account	6-Month, 12-Month, 2-Year*	1%
Secure Value Account**	1-Year	1%

* The 2-Year term for the Dollar Cost Averaging Fixed Account is not available for contracts issued on or after October 1, 2013.** If you elect a Living Benefit, a certain percentage (either 10% or 20%) of your investment will automatically be allocated to the Secure Value Account. Amounts allocated to the Secure Value Account may not be transferred to any other investment option. You may not transfer into or out of the Secure Value Account.

Fixed Options Available [Table Text Block]

Name	Terms	Minimum Guaranteed Interest Rate
1-Year Fixed Account	1-Year	1%
Dollar Cost Averaging Fixed Account	6-Month, 12-Month, 2-Year*	1%
Secure Value Account**	1-Year	1%

Investment Option Restrictions [Line Items]

Investment Options Not Always Available for All Benefits [Text Block]

INVESTMENT REQUIREMENTS FOR OPTIONAL LIVING BENEFITS If you elect an optional Living Benefit, your contract is subject to investment requirements, as reflected below. Depending on the optional Living Benefit you choose, you may not be able to invest in certain investment options. If you do not elect any optional benefits, or if the only optional benefit you elect is a death benefit, your contract is not subject to investment requirements. FOR OPTIONAL BENEFITS AVAILABLE FOR ELECTION This section contains the current investment requirements for the optional Living Benefits that we are offering to investors, including: •Polaris Income Max •Polaris Income Plus Daily FlexPolaris Income Max If you elect Polaris Income Max, you must allocate your assets in accordance with the following:

20% Secure

Value Account

80% in one or more of the following Variable

Portfolios, except as otherwise noted:

Goldman Sachs VIT Government Money Market

Fund

PIMCO Total Return

SA American Century Inflation Managed

SA American Funds VCP Managed Allocation*

SA Federated Hermes Corporate Bond

SA Fixed Income Index

SA Fixed Income Intermediate Index

SA Goldman Sachs Government and Quality

Bond

SA JPMorgan MFS Core Bond

SA JPMorgan Ultra-Short Bond

SA PIMCO Global Bond Opportunities

SA Schroders VCP Global Allocation*

SA T. Rowe Price VCP Balanced*

SA VCP Dynamic Allocation

SA VCP Dynamic Strategy

SA VCP Index Allocation

DCA Fixed Accounts**

6-Month DCA

1-Year DCA

*You may invest up to a maximum of 50% in each of

these Variable Portfolios.

**You may use a DCA Fixed Account to invest your

target allocation in accordance with the investment

requirements.

Polaris Income Plus Daily Flex If you elect Polaris Income Plus Daily Flex on or after November 8, 2021, you must allocate your assets in accordance with the option below or Build Your Own Allocation:

10% Secure

Value Account

Asset Allocation Portfolios

90% in one or more of the following Variable

Portfolios:

Individually Managed Asset Allocation

Portfolios:

SA American Funds Asset Allocation

SA BlackRock Multi-Factor 70/30

SA Franklin Allocation Moderately Aggressive

SA Franklin Tactical Opportunities

SA Goldman Sachs Multi-Asset Insights

SA JPMorgan Diversified Balanced

SA MFS Total Return

SA T. Rowe Price Allocation Moderately

Aggressive

SA Wellington Strategic Multi-Asset

Actively Managed Fund-of-Funds:

SA Allocation Aggressive

SA Allocation Balanced

SA Allocation Moderate

SA Allocation Moderately Aggressive

Index Fund-of-Funds Portfolios:

SA Global Index Allocation 90/10

SA Global Index Allocation 75/25

SA Global Index Allocation 60/40

SA Index Allocation 90/10

SA Index Allocation 80/20

SA Index Allocation 60/40

Volatility Control Portfolios:

SA American Funds VCP Managed Allocation

SA Schroders VCP Global Allocation

SA T. Rowe Price VCP Balanced

SA VCP Dynamic Allocation

SA VCP Dynamic Strategy

SA VCP Index Allocation

Fixed Income Portfolios

Goldman Sachs VIT Government Money Market

Fund

PIMCO Total Return

SA American Century Inflation Managed

SA Federated Hermes Corporate Bond

SA Fixed Income Intermediate Index

SA Fixed Income Index

SA Goldman Sachs Government and Quality

Bond

SA JPMorgan MFS Core Bond

SA JPMorgan Ultra-Short Bond

SA PIMCO Global Bond Opportunities

DCA Fixed Accounts*

6-Month DCA

1-Year DCA

*You may use a DCA Fixed Account to invest your

target allocation in accordance with the investment

requirements.

Build Your Own Allocation You must allocate your assets in accordance with the following: 10% of your total Purchase Payments in the Secure Value Account. The remaining 90% of your total Purchase Payments must be allocated in the following Investment Groups:

FIXED INCOME PORTFOLIOS Investment Requirement Minimum 18% Maximum 90%
Money Market Portfolio:
Goldman Sachs VIT Government Money Market Fund
Core Fixed Income Portfolios:
PIMCO Total Return
SA American Century Inflation Managed
SA Federated Hermes Corporate Bond
SA Fixed Income Index
SA Fixed Income Intermediate Index
SA Goldman Sachs Government and Quality Bond
SA JPMorgan MFS Core Bond
SA JPMorgan Ultra-Short Bond
SA PIMCO Global Bond Opportunities
DCA Fixed Accounts*
6-Month DCA
1-Year DCA
Fixed Accounts
1-Year Fixed (if available)

PRIMARY EQUITY AND ASSET ALLOCATION PORTFOLIOS Investment Requirement Minimum 0% Maximum 72%**
Global & International Portfolios:
SA BlackRock Advantage International
SA Emerging Markets Equity Index
SA Fidelity Institutional AM Global Equities
SA International Index
Large Core Portfolios:
SA American Funds Growth-Income
SA Franklin Systematic U.S. Large Cap Core
SA JPMorgan Large Cap Core
SA Large Cap Index
SA MFS Massachusetts Investors Trust
Large Value Portfolios:
Invesco V.I. Comstock
Invesco V.I. Growth and Income
Lord Abbett Growth and Income
SA Franklin BW U.S. Large Cap Value
SA Franklin Systematic U.S. Large Cap Value
SA JPMorgan Equity-Income
SA Large Cap Value Index
Large Growth Portfolios:
Invesco V.I. American Franchise
SA AB Growth
SA American Funds Growth
SA Janus Focused Growth
SA Large Cap Growth Index
SA MFS Large Cap Growth
SA Wellington Capital Appreciation
Small & Mid Cap Portfolios:
SA Mid Cap Index
SA Small Cap Index
Asset Allocation Portfolios:
Franklin Allocation VIP Fund
Franklin Income VIP Fund
SA Allocation Aggressive
SA Allocation Balanced
SA Allocation Moderate
SA Allocation Moderately Aggressive

PRIMARY EQUITY AND ASSET ALLOCATION PORTFOLIOS - CONTINUED Investment Requirement Minimum 0% Maximum 72%**
SA American Funds Asset Allocation
SA BlackRock Multi-Factor 70/30
SA Franklin Allocation Moderately Aggressive
SA Franklin Tactical Opportunities
SA Global Index Allocation 60/40
SA Global Index Allocation 75/25
SA Global Index Allocation 90/10
SA Goldman Sachs Multi-Asset Insights
SA Index Allocation 60/40
SA Index Allocation 80/20
SA Index Allocation 90/10
SA JPMorgan Diversified Balanced
SA MFS Total Return
SA T. Rowe Price Allocation Moderately Aggressive
SA Wellington Strategic Multi-Asset
Asset Allocation (Volatility Control Portfolios):
SA American Funds VCP Managed Allocation
SA Schroders VCP Global Allocation
SA T. Rowe Price VCP Balanced
SA VCP Dynamic Allocation
SA VCP Dynamic Strategy
SA VCP Index Allocation

OTHER EQUITY AND SPECIALTY PORTFOLIOS Investment Requirement Minimum 0% Maximum 27%***
Small & Mid Cap Portfolios:
SA AB Small & Mid Cap Value
SA Franklin Small Company Value
SA Invesco Growth Opportunities
SA JPMorgan Mid-Cap Growth
Global & International Portfolios:
SA American Funds Global Growth
SA Fidelity Institutional AM International Growth
SA JPMorgan Emerging Markets
SA PIMCO RAE International Value
SA Putnam International Value
Specialty Portfolios:
PIMCO Emerging Markets Bond
SA Fidelity Institutional AM Real Estate
SA PineBridge High-Yield Bond

*You may use a DCA Fixed Account to invest your target allocation in accordance with the investment requirements. **You may invest up to a maximum of 36% in an individual Variable Portfolio within this Investment Group. ***You may invest up to a maximum of 9% in an individual Variable Portfolio within this Investment Group. Polaris Income Plus Daily Flex If your contract was purchased between May 1, 2019 and November 7, 2021 and you elected the optional Polaris Income Plus Daily Flex Living Benefit, you must allocate your assets in accordance with the option below or Build Your Own Allocation:

10% Secure

Value Account

Asset Allocation Portfolios

90% in one or more of the following Variable

Portfolios:

Individually Managed Asset Allocation

Portfolios:

SA American Funds Asset Allocation

SA BlackRock Multi-Factor 70/30

SA Franklin Tactical Opportunities

SA Franklin Allocation Moderately Aggressive

SA Goldman Sachs Multi-Asset Insights

SA JPMorgan Diversified Balanced

SA MFS Total Return

SA T. Rowe Price Allocation Moderately

Aggressive

SA Wellington Strategic Multi-Asset

Actively Managed Fund-of-Funds:

SA Allocation Aggressive

SA Allocation Balanced

SA Allocation Moderate

SA Allocation Moderately Aggressive

Index Fund-of-Funds Portfolios:

SA Global Index Allocation 90/10

SA Global Index Allocation 75/25

SA Global Index Allocation 60/40

SA Index Allocation 90/10

SA Index Allocation 80/20

SA Index Allocation 60/40

Volatility Control Portfolios:

SA American Funds VCP Managed Allocation

SA Schroders VCP Global Allocation

SA T. Rowe Price VCP Balanced

SA VCP Dynamic Allocation

SA VCP Dynamic Strategy

SA VCP Index Allocation

Fixed Income Portfolios

Goldman Sachs VIT Government Money Market

Fund

PIMCO Total Return

SA American Century Inflation Managed

SA Federated Hermes Corporate Bond

SA Fixed Income Intermediate Index

SA Fixed Income Index

SA Goldman Sachs Government and Quality

Bond

SA JPMorgan MFS Core Bond

SA JPMorgan Ultra-Short Bond

SA PIMCO Global Bond Opportunities

DCA Fixed Accounts*

6-Month DCA

1-Year DCA

*You may use a DCA Fixed Account to invest your

target allocation in accordance with the investment

requirements.

FIXED INCOME PORTFOLIOS Investment Requirement Minimum 18% Maximum 90%
Money Market Portfolio:
Goldman Sachs VIT Government Money Market Fund
Core Fixed Income Portfolios:
PIMCO Total Return
SA American Century Inflation Managed
SA Federated Hermes Corporate Bond
SA Fixed Income Index
SA Fixed Income Intermediate Index
SA Goldman Sachs Government and Quality Bond
SA JPMorgan MFS Core Bond
SA JPMorgan Ultra-Short Bond
SA PIMCO Global Bond Opportunities
DCA Fixed Accounts*
6-Month DCA
1-Year DCA
Fixed Accounts
1-Year Fixed (if available)

PRIMARY EQUITY AND ASSET ALLOCATION PORTFOLIOS Investment Requirement Minimum 0% Maximum 72%**
Global & International Portfolios:
SA BlackRock Advantage International
SA Emerging Markets Equity Index
SA Fidelity Institutional AM Global Equities
SA International Index
Large Core Portfolios:
SA American Funds Growth-Income
SA Franklin Systematic U.S. Large Cap Core
SA JPMorgan Large Cap Core
SA Large Cap Index
SA MFS Massachusetts Investors Trust
Large Value Portfolios:
Invesco V.I. Comstock
Invesco V.I. Growth and Income
Lord Abbett Growth and Income
SA Franklin BW U.S. Large Cap Value
SA Franklin Systematic U.S. Large Cap Value
SA JPMorgan Equity-Income
SA Large Cap Value Index
Large Growth Portfolios:
Invesco V.I. American Franchise
SA AB Growth
SA American Funds Growth
SA Janus Focused Growth
SA Large Cap Growth Index
SA MFS Large Cap Growth
SA Wellington Capital Appreciation1
Small & Mid Cap Portfolios:
SA Mid Cap Index
SA Small Cap Index
Asset Allocation Portfolios:
Franklin Allocation VIP Fund
Franklin Income VIP Fund
SA Allocation Aggressive
SA Allocation Balanced
SA Allocation Moderate
SA Allocation Moderately Aggressive

PRIMARY EQUITY AND ASSET ALLOCATION PORTFOLIOS - CONTINUED Investment Requirement Minimum 0% Maximum 72%**
SA American Funds Asset Allocation
SA BlackRock Multi-Factor 70/30
SA Franklin Allocation Moderately Aggressive
SA Franklin Tactical Opportunities
SA Global Index Allocation 60/40
SA Global Index Allocation 75/25
SA Global Index Allocation 90/10
SA Goldman Sachs Multi-Asset Insights
SA Index Allocation 60/40
SA Index Allocation 80/20
SA Index Allocation 90/10
SA JPMorgan Diversified Balanced
SA MFS Total Return
SA T. Rowe Price Allocation Moderately Aggressive
SA Wellington Strategic Multi-Asset
Asset Allocation (Volatility Control Portfolios):
SA American Funds VCP Managed Allocation
SA Schroders VCP Global Allocation
SA T. Rowe Price VCP Balanced
SA VCP Dynamic Allocation
SA VCP Dynamic Strategy
SA VCP Index Allocation

OTHER EQUITY AND SPECIALTY PORTFOLIOS Investment Requirement Minimum 0% Maximum 27%***
Small & Mid Cap Portfolios:
SA AB Small & Mid Cap Value
SA Franklin Small Company Value
SA Invesco Growth Opportunities
SA JPMorgan Mid-Cap Growth2
Global & International Portfolios:
SA American Funds Global Growth
SA Fidelity Institutional AM International Growth
SA JPMorgan Emerging Markets
SA PIMCO RAE International Value
SA Putnam International Value
Specialty Portfolios:
PIMCO Emerging Markets Bond
SA Fidelity Institutional AM Real Estate
SA PineBridge High-Yield Bond

*You may use a DCA Fixed Account to invest your target allocation in accordance with the investment requirements. **You may invest up to a maximum of 36% in an individual Variable Portfolio within this Investment Group. ***You may invest up to a maximum of 9% in an individual Variable Portfolio within this Investment Group. 1 You may invest up to a maximum of 45% in SA Wellington Capital Appreciation. 2 You may invest in up to 18% in SA JPMorgan Mid-Cap Growth. Polaris Income PLUS FLEX If your contract was purchased between May 1, 2019 and October 12, 2020 and you elected the optional Polaris Income Plus Flex Living Benefit, you must allocate your assets in accordance with the following:

10% Secure

Value Account

90% in one or more of the following Variable

Portfolios, except as otherwise noted:

Goldman Sachs VIT Government Money Market

Fund

PIMCO Total Return

SA American Century Inflation Managed

SA American Funds VCP Managed Allocation*

SA Federated Hermes Corporate Bond

SA Fixed Income Index

SA Fixed Income Intermediate Index

SA Goldman Sachs Government and Quality

Bond

SA JPMorgan MFS Core Bond

SA JPMorgan Ultra-Short Bond

SA PIMCO Global Bond Opportunities

SA Schroders VCP Global Allocation*

SA T. Rowe Price VCP Balanced*

SA VCP Dynamic Allocation

SA VCP Dynamic Strategy

SA VCP Index Allocation

DCA Fixed Accounts**

6-Month DCA

1-Year DCA

*You may invest up to a maximum of 50% in each of

these Variable Portfolios.

**You may use a DCA Fixed Account to invest your

target allocation in accordance with the investment

requirements.

Polaris Income Plus Daily If your contract was purchased between February 6, 2017 and September 8, 2019 and you elected the optional Polaris Income Plus Daily Living Benefit, you must allocate your assets in accordance with the following:

10% Secure

Value Account

90% in one or more of the following Variable

Portfolios:

Individually Managed Asset Allocation

Portfolios:

SA American Funds Asset Allocation

SA Franklin Allocation Moderately Aggressive

SA Franklin Tactical Opportunities

SA Goldman Sachs Multi-Asset Insights

SA JPMorgan Diversified Balanced

SA MFS Total Return

SA T. Rowe Price Allocation Moderately

Aggressive

SA Wellington Strategic Multi-Asset Income

Actively Managed Fund-of-Funds:

SA Allocation Aggressive

SA Allocation Balanced

SA Allocation Moderate

SA Allocation Moderately Aggressive

Fixed Income and Money Market Portfolios:

Goldman Sachs VIT Government Money

Market Fund

SA American Century Inflation Managed

SA Federated Hermes Corporate Bond

SA Fixed Income Index

SA Fixed Income Intermediate Index

SA Goldman Sachs Government and Quality

Bond

SA JPMorgan MFS Core Bond

SA JPMorgan Ultra-Short Bond

SA PIMCO Global Bond Opportunities

Index Fund-of-Funds Portfolios

SA Global Index Allocation 90/10

SA Global Index Allocation 75/25

SA Global Index Allocation 60/40

SA Index Allocation 90/10

SA Index Allocation 80/20

SA Index Allocation 60/40

Volatility Control Portfolios:

SA American Funds VCP Managed Allocation

SA Schroders VCP Global Allocation

SA T. Rowe Price VCP Balanced

SA VCP Dynamic Allocation

SA VCP Dynamic Strategy

SA VCP Index Allocation

DCA Fixed Accounts*

6-Month DCA

1-Year DCA

*You may use a DCA Fixed Account to invest your

target allocation in accordance with the investment

requirements.

If your contract was purchased between May 1, 2016 and February 5, 2017 and you elected the optional Polaris Income Plus Daily Living Benefit, you must allocate your assets in accordance with A or B:

10% Secure Value Account and 90% in Allocation* 1, 2, 3

or 4

* Please see POLARIS PORTFOLIO ALLOCATOR

PROGRAM and 50%-50% COMBINATION MODEL

PROGRAM FOR CONTRACTS ISSUED PRIOR TO

FEBRUARY 6, 2017 later in this Appendix for the

allocations for the formerly available Polaris Portfolio

Allocator Models.

10% Secure Value Account and select up to 90% in one

or more of the following Variable Portfolios:

Individually Managed Asset Allocation Portfolios:

SA American Funds Asset Allocation

SA Franklin Allocation Moderately Aggressive

SA Franklin Tactical Opportunities

SA Goldman Sachs Government and Quality Bond

SA Goldman Sachs Multi-Asset Insights

SA JPMorgan Diversified Balanced

SA MFS Total Return

SA T. Rowe Price Allocation Moderately Aggressive

Volatility Control Portfolios:

SA American Funds VCP Managed Allocation

SA Schroders VCP Global Allocation

SA T. Rowe Price VCP Balanced

SA VCP Dynamic Allocation

SA VCP Dynamic Strategy

SA VCP Index Allocation

Fixed Income and Money Market Portfolios:

Goldman Sachs VIT Government Money Market Fund

SA American Century Inflation Managed

SA Federated Hermes Corporate Bond

SA Fixed Income Index

SA Fixed Income Intermediate Index

SA Goldman Sachs Government and Quality Bond

SA JPMorgan MFS Core Bond

SA JPMorgan Ultra-Short Bond

SA PIMCO Global Bond Opportunities

Index Fund-of-Funds Portfolios

SA Global Index Allocation 90/10

SA Global Index Allocation 75/25

SA Global Index Allocation 60/40

SA Index Allocation 90/10

SA Index Allocation 80/20

SA Index Allocation 60/40

Actively Managed Fund-of-Funds:

SA Allocation Aggressive

SA Allocation Balanced

SA Allocation Moderate

SA Allocation Moderately Aggressive

DCA Fixed Accounts*

6-Month DCA

1-Year DCA

*You may use a DCA Fixed Account to invest your target

allocation in accordance with the investment requirements.

POLARIS INCOME PLUS If your contract was purchased between May 1, 2015 and September 8, 2019, and you elected the optional Polaris Income Plus Living Benefit, the following Investment Requirements are applicable:

10% Secure

Value Account

90% in one or more of the following Variable

Portfolios, except as otherwise noted:

Goldman Sachs VIT Government Money Market

Fund

SA American Century Inflation Managed

SA American Funds VCP Managed Allocation*

SA Federated Hermes Corporate Bond

SA Fixed Income Index

SA Fixed Income Intermediate Index

SA Goldman Sachs Government and Quality

Bond

SA JPMorgan MFS Core Bond

SA JPMorgan Ultra-Short Bond

SA PIMCO Global Bond Opportunities

SA Schroders VCP Global Allocation*

SA T. Rowe Price VCP Balanced*

SA VCP Dynamic Allocation

SA VCP Dynamic Strategy

SA VCP Index Allocation

* You may invest up to a maximum of 50% in

each of these Variable Portfolios.

If your contract was purchased between January 23, 2012 and April 30, 2015, and you elected the optional Polaris Income Plus Income Option 1, 2 or 3 (formerly called SunAmerica Income Plus) Living Benefit, you must allocate your assets in accordance with the following:

20% Secure

Value Account

80% in one or more of the following Variable

Portfolios, except as otherwise noted:

Goldman Sachs VIT Government Money Market

Fund

SA American Century Inflation Managed

SA American Funds VCP Managed Allocation*

SA Federated Hermes Corporate Bond

SA Fixed Income Index

SA Fixed Income Intermediate Index

SA Goldman Sachs Government and Quality

Bond

SA JPMorgan MFS Core Bond

SA JPMorgan Ultra-Short Bond

SA PIMCO Global Bond Opportunities

SA Schroders VCP Global Allocation*

SA T. Rowe Price VCP Balanced*

SA VCP Dynamic Allocation

SA VCP Dynamic Strategy

SA VCP Index Allocation

* You may invest up to a maximum of 50% in

each of these Variable Portfolios.

If your contract was purchased between January 23, 2012 and September 30, 2013, and you elected the optional Polaris Income Plus Income Option with Custom Allocation Living Benefit, the following investment requirements are applicable:

Option 1	10% Secure Value Account	90% in Allocation* 1, 2 or 3 *Please see POLARIS PORTFOLIO ALLOCATOR PROGRAM and 50%-50% COMBINATION MODEL PROGRAM FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 later in this Appendix for the allocations for the formerly available Polaris Portfolio Allocator Models.
Option 2	10% Secure Value Account	90% in one or more of the following Variable Portfolios: Franklin Income VIP Fund SA Allocation Balanced SA Allocation Moderate SA Allocation Moderately Aggressive SA American Funds Asset Allocation SA JPMorgan Diversified Balanced SA Fixed Income Index SA Fixed Income Intermediate Index SA MFS Total Return SA VCP Dynamic Allocation SA VCP Dynamic Strategy SA VCP Index Allocation
Option 3	10% Secure Value Account	90% SA JPMorgan Ultra-Short Bond

If you choose the Build-Your-Own Option, after investing 10% in the Secure Value Account, the remaining 90% of Purchase Payments must be invested among the Variable Portfolios, as follows:

Investment Group	Flexible Allocation	Variable Portfolios and/or DCA Fixed Accounts
A. Bond, and DCA Fixed Account	Minimum 20% Maximum 90%	SA American Century Inflation Managed SA Federated Hermes Corporate Bond SA Goldman Sachs Government and Quality Bond SA JPMorgan MFS Core Bond SA JPMorgan Ultra-Short Bond SA PIMCO Global Bond Opportunities DCA Fixed Accounts* DCA 6-Month 1-Year DCA 2-Year DCA

Investment Group	Flexible Allocation	Variable Portfolios and/or DCA Fixed Accounts
B. Equity**	Minimum 0% Maximum 70%	Franklin Allocation VIP Fund Franklin Income VIP Fund Invesco V.I. American Franchise Fund Invesco V.I. Comstock Fund Invesco V.I. Growth and Income Fund Lord Abbett Growth and Income SA AB Growth SA AB Small & Mid Cap Value SA Allocation Balanced SA Allocation Aggressive SA Allocation Moderate SA Allocation Moderately Aggressive SA American Funds Asset Allocation SA American Funds Global Growth SA American Funds Growth SA American Funds Growth-Income SA BlackRock Advantage International SA Fidelity Institutional AM Global Equities SA Franklin BW U.S. Large Cap Value SA Franklin Systematic U.S. Large Cap Value SA Janus Focused Growth SA JPMorgan Diversified Balanced SA JPMorgan Equity-Income SA JPMorgan Large Cap Core SA JPMorgan Mid-Cap Growth SA MFS Large Cap Growth SA MFS Massachusetts Investors Trust SA MFS Total Return SA PIMCO RAE International Value SA PineBridge High-Yield Bond SA Putnam International Value SA VCP Dynamic Allocation SA VCP Dynamic Strategy SA Wellington Capital Appreciation
C. Limited Equity	Minimum 0% Maximum 10%	SA American Funds VCP Managed Allocation SA Fidelity Institutional AM Real Estate SA Franklin Small Company Value SA Invesco Growth Opportunities SA JPMorgan Emerging Markets

*You may use a DCA Fixed Account to invest your target allocations in accordance with the investment requirements. **Not all funds listed in the Equity group invest in equity markets. If your contract was purchased prior to January 23, 2012, and you elected the optional SunAmerica Income Plus (renamed Polaris Income Plus) Income Option 1 or 2 or 3 Living Benefit, the following investment requirements are applicable: Flexible Allocation – Options 1-3

Option 1	10% Secure Value Account	90% in Allocation* 1, 2 or 3 *Please see POLARIS PORTFOLIO ALLOCATOR PROGRAM and 50%-50% COMBINATION MODEL PROGRAM FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 later in this Appendix for the allocations for the formerly available Polaris Portfolio Allocator Models.
Option 2	10% Secure Value Account	90% in one or more of the following Variable Portfolios: Franklin Income VIP Fund SA Allocation Balanced SA Allocation Moderate SA Allocation Moderately Aggressive SA American Funds Asset Allocation SA JPMorgan Diversified Balanced SA MFS Total Return SA VCP Dynamic Allocation SA VCP Dynamic Strategy
Option 3	10% Secure Value Account	90% SA JPMorgan Ultra-Short Bond Portfolio

Flexible Allocation – Build-Your-Own Option 4 If you choose the Build-Your-Own Option, after investing 10% in the Secure Value Account, the remaining 90% of Purchase Payments must be invested among the Variable Portfolios, as follows:

Investment Group	Flexible Allocation	Variable Portfolios and/or DCA Fixed Accounts
A. Bond, and DCA Fixed Accounts	Minimum 20% Maximum 90%	SA American Century Inflation Managed SA Federated Hermes Corporate Bond SA Goldman Sachs Government and Quality Bond SA JPMorgan MFS Core Bond SA JPMorgan Ultra-Short Bond SA PIMCO Global Bond Opportunities DCA Fixed Accounts* DCA 6-Month 1-Year DCA 2-Year DCA Fixed Accounts 1-Year Fixed (if available)

Investment Group	Flexible Allocation	Variable Portfolios and/or DCA Fixed Accounts
B. Equity**	Minimum 0% Maximum 70%	Franklin Allocation VIP Fund Franklin Income VIP Fund Invesco V.I. American Franchise Fund Invesco V.I. Comstock Fund Invesco V.I. Growth and Income Fund Lord Abbett Growth and Income SA AB Growth SA AB Small & Mid Cap Value SA Allocation Aggressive SA Allocation Balanced SA Allocation Moderate SA Allocation Moderately Aggressive SA American Funds Asset Allocation SA American Funds Global Growth SA American Funds Growth SA American Funds Growth-Income SA BlackRock Advantage International SA Fidelity Institutional AM Global Equities SA Franklin BW U.S. Large Cap Value SA Franklin Systematic U.S. Large Cap Value SA Janus Focused Growth SA JPMorgan Diversified Balanced SA JPMorgan Equity-Income SA JPMorgan Large Cap Core SA JPMorgan Mid-Cap Growth SA MFS Large Cap Growth SA MFS Massachusetts Investors Trust SA MFS Total Return SA PIMCO RAE International Value SA PineBridge High-Yield Bond SA Putnam International Value SA VCP Dynamic Allocation SA VCP Dynamic Strategy SA Wellington Capital Appreciation
C. Limited Equity	Minimum 0% Maximum 10%	SA American Funds VCP Managed Allocation SA Fidelity Institutional AM Real Estate SA Franklin Small Company Value SA Invesco Growth Opportunities SA JPMorgan Emerging Markets

*You may use a DCA Fixed Account to invest your target allocations in accordance with the investment requirements. **Not all funds listed in the Equity group invest in equity markets.POLARIS INCOME BUILDER If your contract was purchased between May 1, 2015 and April 30, 2018, and you elected the optional Polaris Income Builder Living Benefit, you must allocate your assets in accordance with the following:

10% Secure

Value Account

90% in one or more of the following Variable

Portfolios, except as otherwise noted:

Goldman Sachs VIT Government Money Market

Fund

SA American Century Inflation Managed

SA American Funds VCP Managed Allocation*

SA Federated Hermes Corporate Bond

SA Fixed Income Index

SA Fixed Income Intermediate Index

SA Goldman Sachs Government and Quality

Bond

SA JPMorgan MFS Core Bond

SA JPMorgan Ultra-Short Bond

SA PIMCO Global Bond Opportunities

SA Schroders VCP Global Allocation*

SA T. Rowe Price VCP Balanced*

SA VCP Dynamic Allocation

SA VCP Dynamic Strategy

SA VCP Index Allocation

*You may invest up to a maximum of 50% in each of

these Variable Portfolios.

If your contract was purchased between January 23, 2012 and April 30, 2015, and you elected the optional Polaris Income Builder (formerly called Sunamerica Income Builder) Living Benefit, you must allocate your assets in accordance with the following:

20% Secure

Value Account

80% in one or more of the following Variable

Portfolios, except as otherwise noted:

Goldman Sachs VIT Government Money Market

Fund

SA American Century Inflation Managed

SA American Funds VCP Managed Allocation*

SA Federated Hermes Corporate Bond

SA Fixed Income Index

SA Fixed Income Intermediate Index

SA Goldman Sachs Government and Quality

Bond

SA JPMorgan MFS Core Bond

SA JPMorgan Ultra-Short Bond

SA PIMCO Global Bond Opportunities

SA Schroders VCP Global Allocation*

SA T. Rowe Price VCP Balanced*

SA VCP Dynamic Allocation

SA VCP Dynamic Strategy

SA VCP Index Allocation

*You may invest up to a maximum of 50% in each of

these Variable Portfolios.

If your contract was purchased prior to January 23, 2012, and you elected the optional SunAmerica Income Builder (renamed Polaris Income Builder) with Flexible Allocation Living Benefit, the following investment requirements are applicable: Flexible Allocation – Options 1-3

Option 1	10% Secure Value Account	90% in Allocation* 1, 2 or 3 *Please see POLARIS PORTFOLIO ALLOCATOR PROGRAM and 50%-50% COMBINATION MODEL PROGRAM FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 later in this Appendix for the allocations for the formerly available Polaris Portfolio Allocator Models.
Option 2	10% Secure Value Account	90% in one or more of the following Variable Portfolios: Franklin Income VIP Fund SA Allocation Balanced SA Allocation Moderate SA Allocation Moderately Aggressive SA American Funds Asset Allocation SA JPMorgan Diversified Balanced SA MFS Total Return SA VCP Dynamic Allocation SA VCP Dynamic Strategy
Option 3	10% Secure Value Account	90% SA JPMorgan Ultra-Short Bond

Flexible Allocation – Build-Your-Own Option 4:

Investment Group	Flexible Allocation	Variable Portfolios and/or DCA Fixed Accounts
A. Bond, and DCA Fixed Account	Minimum 20% Maximum 90%	SA American Century Inflation Managed SA Federated Hermes Corporate Bond SA Goldman Sachs Government and Quality Bond SA JPMorgan MFS Core Bond SA JPMorgan Ultra-Short Bond SA PIMCO Global Bond Opportunities DCA Fixed Accounts* DCA 6-Month 1-Year DCA 2-Year DCA Fixed Accounts 1-Year Fixed (if available)

Investment Group	Flexible Allocation	Variable Portfolios and/or DCA Fixed Accounts
B. Equity	Minimum 0% Maximum 70%	Franklin Allocation VIP Fund Franklin Income VIP Fund Invesco V.I. American Franchise Fund Invesco V.I. Comstock Fund Invesco V.I. Growth and Income Fund Lord Abbett Growth and Income SA AB Growth SA AB Small & Mid Cap Value SA Allocation Aggressive SA Allocation Balanced SA Allocation Moderately Aggressive SA Allocation Moderate SA American Funds Asset Allocation SA American Funds Global Growth SA American Funds Growth SA American Funds Growth-Income SA BlackRock Advantage International SA Fidelity Institutional AM Global Equities SA Franklin BW U.S. Large Cap Value SA Franklin Systematic U.S. Large Cap Value SA Janus Focused Growth SA JPMorgan Diversified Balanced SA JPMorgan Equity-Income SA JPMorgan Large Cap Core SA JPMorgan Mid-Cap Growth SA MFS Large Cap Growth SA MFS Massachusetts Investors Trust SA MFS Total Return SA PineBridge High-Yield Bond SA PIMCO RAE Foreign Value SA Putnam International Value SA VCP Dynamic Allocation SA VCP Dynamic Strategy SA Wellington Capital Appreciation
C. Limited Equity	Minimum 0% Maximum 10%	SA American Funds VCP Managed Allocation SA Fidelity Institutional AM Real Estate SA Franklin Small Company Value SA Invesco Growth Opportunities SA JPMorgan Emerging Markets

*You may use a DCA Fixed Account to invest your target allocations in accordance with the investment requirements.MARKETLOCK FOR LIFE If you elect MarketLock for Life at the time of contract issue, you must comply with investment requirements by allocating your investments in one of four ways or if using a DCA Fixed Account or a DCA Program, by indicating your target allocations, in one of four ways:

1	Invest in one of the three available Allocations: Allocation 1, Allocation 2 or Allocation 3 Please see POLARIS PORTFOLIO ALLOCATOR PROGRAM and 50%-50% COMBINATION MODEL PROGRAM FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 later in this Appendix for the allocations for the formerly available Polaris Portfolio Allocator Models.
2	Invest in one or more of the following Variable Portfolios: Franklin Income VIP Fund SA Allocation Balanced SA Allocation Moderate SA Allocation Moderately Aggressive SA American Funds Asset Allocation SA JPMorgan Diversified Balanced SA MFS Total Return SA VCP Dynamic Allocation SA VCP Dynamic Strategy
3	Invest in the SA JPMorgan Ultra-Short Bond
4	In accordance with the requirements outlined in the table below:

Investment Group	Investment Requirement	Variable Portfolios and/or Fixed Accounts
A. Bond, Cash and Fixed Accounts	Minimum 30% Maximum 100%	SA Federated Hermes Corporate Bond SA Goldman Sachs Government and Quality Bond SA JPMorgan MFS Core Bond SA JPMorgan Ultra-Short Bond SA PIMCO Global Bond Opportunities DCA Fixed Accounts* 6-Month DCA 1-Year DCA 2-Year DCA Fixed Accounts 1-Year Fixed (if available)

Investment Group	Investment Requirement	Variable Portfolios and/or Fixed Accounts
B. Equity	Minimum 0% Maximum 70%	Franklin Allocation VIP Fund Franklin Income VIP Fund Invesco V.I. American Franchise Fund Invesco V.I. Comstock Fund Lord Abbett Growth and Income SA AB Growth SA AB Small & Mid Cap Value SA Allocation Aggressive SA Allocation Balanced SA Allocation Moderate SA Allocation Moderately Aggressive SA American Funds Asset Allocation SA American Funds Global Growth SA American Funds Growth SA American Funds Growth-Income SA BlackRock Advantage International SA Fidelity Institutional AM Global Equities SA Franklin BW U.S. Large Cap Value SA Franklin Systematic U.S. Large Cap Value SA Janus Focused Growth SA JPMorgan Diversified Balanced SA JPMorgan Equity-Income SA JPMorgan Large Cap Core SA JPMorgan Mid-Cap Growth SA MFS Large Cap Growth SA MFS Massachusetts Investors Trust SA MFS Total Return SA PIMCO RAE International Value SA PineBridge High-Yield Bond SA VCP Dynamic Allocation SA VCP Dynamic Strategy SA Wellington Capital Appreciation
C. Limited Equity	Minimum 0% Maximum 10%	SA Fidelity Institutional AM Real Estate SA Franklin Small Company Value SA Invesco Growth Opportunities SA JPMorgan Emerging Markets

MarketLock Income Plus If you elect MarketLock Income Plus at time of contract issue, you must comply with investment requirements by allocating your investments in one of four ways or if using a DCA Fixed Account or a DCA Program, by indicating your target allocations in one of four ways: 1.Invest 100% in the SA JPMorgan Ultra-Short Bond Portfolio; or 2.Invest 100% in either Allocation* 1, 2 or 3: or *Please see POLARIS PORTFOLIO PROGRAM and 50%-50% COMBINATION PORTFOLIO ALLOCATOR MODEL PROGRAM FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 later in this Appendix for the allocations for the formerly available Polaris Portfolio Allocator Models. 3.Invest 100% in one or a combination of the following Variable Portfolios:Franklin Income VIP FundSA Allocation Balanced SA Allocation Moderate SA Allocation Moderately AggressiveSA American Funds Asset Allocation SA JPMorgan Diversified Balanced SA MFS Total Return SA VCP Dynamic Allocation SA VCP Dynamic Strategy 4.In accordance with the requirements outlined in the table below:

Investment Group	Investment Requirement	Variable Portfolios and/or Fixed Accounts
A. Bond, Cash and Fixed Accounts	Minimum 30% Maximum 100%	SA American Century Inflation Managed SA Federated Hermes Corporate Bond SA Goldman Sachs Government and Quality Bond SA JPMorgan MFS Core Bond SA JPMorgan Ultra-Short Bond SA PIMCO Global Bond Opportunities DCA Fixed Accounts 6-Month DCA 1-Year DCA 2-Year DCA Fixed Accounts 1-Year Fixed (if available)

Investment Group	Investment Requirement	Variable Portfolios and/or Fixed Accounts
B. Equity Maximum	Minimum 0% Maximum 70%	Franklin Allocation VIP Fund Franklin Income VIP Fund Invesco V.I. American Franchise Fund Invesco V.I. Comstock Fund Lord Abbett Growth and Income SA AB Growth SA AB Small & Mid Cap Value SA Allocation Aggressive SA Allocation Balanced SA Allocation Moderate SA Allocation Moderately Aggressive SA American Funds Asset Allocation SA American Funds Global Growth SA American Funds Growth SA American Funds Growth-Income SA BlackRock Advantage International SA Fidelity Institutional AM Global Equities SA Franklin BW U.S. Large Cap Value SA Franklin Systematic U.S. Large Cap Value SA Janus Focused Growth SA JPMorgan Diversified Balanced SA JPMorgan Equity-Income SA JPMorgan Large Cap Core Portfolio SA JPMorgan Mid-Cap Growth SA MFS Large Cap Growth SA MFS Massachusetts Investors Trust SA MFS Total Return SA PIMCO RAE International Value SA PineBridge High-Yield Bond SA VCP Dynamic Allocation SA VCP Dynamic Strategy SA Wellington Capital Appreciation
C. Limited Equity	Minimum 0% Maximum 10%	SA Fidelity Institutional AM Real Estate SA Franklin Small Company Value SA Invesco Growth Opportunities SA JPMorgan Emerging Markets

MarketLock For Life Plus If you elected MarketLock For Life Plus at the time of contract issue, you must comply with investment requirements by allocation your investments in one of four ways or if using a DCA Fixed Account or a DCA Program, by indicating your target allocations in one of four ways: 1.Invest 100% in the SA JPMorgan Ultra-Short Bond Portfolio; or 2.Invest 100% in either Allocation* 1, 2 or 3; or *Please see POLARIS PORTFOLIO ALLOCATOR PROGRAM and 50%-50% COMBINATION MODEL PROGRAM FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 later in this Appendix for the allocations for the formerly available Polaris Portfolio Allocator Models. 3.Invest 100% in one or a combination of the following Variable Portfolios: Franklin Income VIP Fund
SA Allocation Balanced
SA Allocation Moderate
SA Allocation Moderately Aggressive
SA American Funds Asset Allocation
SA JPMorgan Diversified Balanced
SA MFS Total Return
SA VCP Dynamic Allocation
SA VCP Dynamic Strategy 4.Invest in accordance with the requirements outlined in the table below:

Investment Group	Investment Requirement	Variable Portfolios and/or Fixed Accounts
A. Bond, Cash and Fixed Accounts	Minimum 30% Maximum 100%	SA American Century Inflation Managed SA Federated Hermes Corporate Bond SA Goldman Sachs Government and Quality Bond SA JPMorgan MFS Core Bond SA JPMorgan Ultra-Short Bond SA PIMCO Global Bond Opportunities DCA Fixed Accounts 6-Month DCA 1-Year DCA 2-Year DCA Fixed Accounts 1-Year Fixed (if available)

Investment Group	Investment Requirement	Variable Portfolios and/or Fixed Accounts
B. Equity Maximum	Minimum 0% Maximum 70%	Franklin Allocation VIP Fund Franklin Income VIP Fund Invesco V.I. American Franchise Fund Invesco V.I. Comstock Fund Lord Abbett Growth and Income SA AB Growth SA AB Small & Mid Cap Value SA Allocation Aggressive SA Allocation Balanced SA Allocation Moderate SA Allocation Moderately Aggressive SA American Funds Asset Allocation SA American Funds Global Growth SA American Funds Growth SA American Funds Growth-Income SA BlackRock Advantage International SA Fidelity Institutional AM Global Equities SA Franklin BW U.S. Large Cap Value SA Franklin Systematic U.S. Large Cap Value SA Janus Focused Growth SA JPMorgan Diversified Balanced SA JPMorgan Equity-Income SA JPMorgan Mid-Cap Growth SA MFS Large Cap Growth SA MFS Massachusetts Investors Trust SA MFS Total Return SA PIMCO Global Bond Opportunities SA PIMCO RAE International Value SA PineBridge High-Yield Bond SA VCP Dynamic Allocation SA VCP Dynamic Strategy SA Wellington Capital Appreciation
C. Limited Equity	Minimum 0% Maximum 10%	SA Fidelity Institutional AM Real Estate SA Franklin Small Company Value SA Invesco Growth Opportunities SA JPMorgan Emerging Markets

MarketLock income plus, MARKETLOCK FOR LIFE PLUS AND MARKETLOCK FOR LIFE extensions If you purchased a contract between May 4, 2009 and January 18, 2010 and you elected the MarketLock Income Plus or MarketLock For Life Plus Living Benefit or if you purchased a contract between May 4, 2009 and January 20, 2012 and you elected the MarketLock For Life Living Benefit and have elected the first, second and third Extensions, you must comply with investment requirements by allocating your investments in accordance with one of the four ways:

Option 1	100% in one or more of the following: SA JPMorgan Ultra-Short Bond SA VCP Dynamic Allocation SA VCP Dynamic Strategy
Option 2	At least 50% and up to 100% in one or more of the following: SA JPMorgan Ultra-Short Bond SA VCP Dynamic Allocation SA VCP Dynamic Strategy Up to 50% in one or more of the following Variable Portfolios: Franklin Income VIP Fund SA Allocation Balanced SA Allocation Moderate SA Allocation Moderately Aggressive SA American Funds Asset Allocation SA JPMorgan Diversified Balanced SA MFS Total Return
Option 3	25% SA VCP Dynamic Allocation and 25% SA VCP Dynamic Strategy and 50% in one of the following Allocations: Allocation 1, Allocation 2 or Allocation 3 Please see POLARIS PORTFOLIO ALLOCATOR PROGRAM and 50%-50% COMBINATION MODEL PROGRAM FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 later in this Appendix for the allocations for the formerly available Polaris Portfolio Allocator Models.
Option 4	At least 50% and up to 100% in one or more of the following: SA JPMorgan Ultra-Short Bond SA VCP Dynamic Allocation SA VCP Dynamic Strategy Up to 50% in accordance with the requirements outlined in the table below:

Investment Group	Investment Requirement	Variable Portfolios and/or Fixed Accounts
A. Bond, Cash and Fixed Accounts	Minimum 15% Maximum 50%	SA American Century Inflation Managed SA Federated Hermes Corporate Bond SA Goldman Sachs Government and Quality Bond SA JPMorgan MFS Core Bond SA PIMCO Global Bond Opportunities Fixed Accounts 1-Year Fixed (if available)

Investment Group	Investment Requirement	Variable Portfolios and/or Fixed Accounts
B. Equity Maximum	Minimum 0% Maximum 35%	Franklin Allocation VIP Fund Franklin Income VIP Fund Invesco V.I. American Franchise Fund Invesco V.I. Comstock Fund Invesco V.I. Growth and Income Fund Lord Abbett Growth and Income SA AB Growth SA AB Small & Mid Cap Value SA Allocation Aggressive SA Allocation Balanced SA Allocation Moderate SA Allocation Moderately Aggressive SA American Funds Asset Allocation SA American Funds Global Growth SA American Funds Growth SA American Funds Growth-Income SA BlackRock Advantage International SA Fidelity Institutional AM Global Equities SA Franklin BW U.S. Large Cap Value SA Franklin Systematic U.S. Large Cap Value SA Janus Focused Growth SA JPMorgan Diversified Balanced SA JPMorgan Equity-Income SA JPMorgan Large Cap Core SA JPMorgan Mid-Cap Growth SA MFS Large Cap Growth SA MFS Massachusetts Investors Trust SA MFS Total Return SA PIMCO RAE International Value SA PineBridge High-Yield Bond SA Putnam International Value SA Wellington Capital Appreciation
C. Limited Equity	Minimum 0% Maximum 5%	SA Fidelity Institutional AM Real Estate SA Franklin Small Company Value SA Invesco Growth Opportunities SA JPMorgan Emerging Markets

Polaris Portfolio Allocator Program and 50%-50% Combination Model Program for Contracts Issued Prior to February 6, 2017 Effective on February 6, 2017, the Polaris Allocator Program is no longer offered. If you invested in a Polaris Portfolio Allocator Model prior to February 6, 2017, you will remain invested in the same Variable Portfolios and in the same amounts and weights as before the Polaris Portfolio Allocator Program was terminated; however, the investment will no longer be considered to be a Polaris Portfolio Allocator Model and you may no longer trade into a Polaris Portfolio Allocator Model. Any active asset rebalancing or dollar cost averaging programs will continue according to your current allocations on file. You should speak with your financial representative about how to keep the Variable Portfolio allocations in each Portfolio Allocator Model in line with your investment goals over time. Additionally, if you elected a living benefit which allowed Polaris Portfolio Allocator Models as part of the investment requirements, you may trade out of your allocation at any time into any investment that meets your living benefit’s investment requirements, including the asset allocation of the Variable Portfolios listed in the following table (“Allocations”). After the termination effective date, only the asset allocation of the Variable Portfolios of your current model or the Allocations below will meet the investment requirements for living benefits which previously allowed Polaris Portfolio Allocator Models. Please see Investment Requirements for Optional Living Benefits above for the investment requirements associated with your Living Benefit. Allocations (effective February 6, 2017)

Variable Portfolios	Allocation 1	Allocation 2	Allocation 3	Allocation 4*
Invesco V.I. Comstock Fund	5.00%	5.00%	6.00%	8.00%
Invesco V.I. Growth and Income Fund	6.00%	7.00%	8.00%	8.00%
SA AB Growth	3.00%	4.00%	4.00%	6.00%
SA AB Small & Mid Cap Value	1.00%	1.00%	1.00%	2.00%
SA American Century Inflation Managed	5.00%	3.00%	2.00%	0.00%
SA American Funds Global Growth	2.00%	3.00%	4.00%	6.00%
SA American Funds Growth-Income	0.00%	0.00%	1.00%	4.00%
SA BlackRock Advantage International	3.00%	3.00%	4.00%	5.00%
SA Federated Hermes Corporate Bond	10.00%	8.00%	7.00%	1.00%
SA Fidelity Institutional AM Real Estate	0.00%	0.00%	0.00%	1.00%
SA Franklin BW U.S. Large Cap Value	4.00%	4.00%	4.00%	5.00%
SA Franklin Small Company Value	0.00%	2.00%	2.00%	1.00%
SA Franklin Systematic U.S. Large Cap Value	3.00%	3.00%	3.00%	5.00%
SA Goldman Sachs Government and Quality Bond	8.00%	8.00%	7.00%	2.00%
SA Janus Focused Growth	0.00%	1.00%	1.00%	2.00%
SA JPMorgan Emerging Markets	0.00%	1.00%	2.00%	2.00%
SA JPMorgan Equity-Income	6.00%	7.00%	8.00%	8.00%
SA JPMorgan Large Cap Core	3.00%	4.00%	4.00%	6.00%
SA JPMorgan MFS Core Bond	17.00%	13.00%	10.00%	5.00%
SA JPMorgan Ultra-Short Bond	2.00%	1.00%	0.00%	0.00%
SA MFS Large Cap Growth	2.00%	3.00%	4.00%	4.00%
SA MFS Massachusetts Investors Trust	6.00%	6.00%	7.00%	8.00%
SA PIMCO Global Bond Opportunities	4.00%	4.00%	2.00%	2.00%
SA PIMCO RAE International Value	3.00%	3.00%	3.00%	4.00%
SA PineBridge High-Yield Bond	4.00%	3.00%	2.00%	0.00%
SA Wellington Capital Appreciation	3.00%	3.00%	4.00%	5.00%
Total	100%	100%	100%	100%

*Allocation 4 above is only available if you elected the Polaris Income Plus Daily Living Benefit prior to February 6, 2017.Effective on February 6, 2017, the Combination Model Program will no longer be offered. If you invested in a Combination Model prior to February 6, 2017, you will remain invested in the same Variable Portfolios and in the same amounts and weights as before the Polaris Portfolio Allocator Program was terminated; however, the investment will no longer be considered to be a 50%-50% Combination Model and you may no longer trade into any other Combination Model. Any active asset rebalancing or dollar cost averaging programs will continue according to your current allocations on file. You should speak with your financial representative about how to keep the Variable Portfolio allocations in each Portfolio Allocator Model in line with your investment goals over time.

Polaris Platinum III (EA) - 333-185762 | Franklin Allocation VIP Fund Class 2

Asset Allocation

Franklin Allocation VIP Fund

Franklin Advisers, Inc.

0.82%

12.60%

5.73%

Polaris Platinum III (EA) - 333-185762 | Franklin Income VIP Fund Class 2

7.32%

Franklin Income VIP Fund

Franklin Advisers, Inc.

0.72%

12.56%

7.66%

Polaris Platinum III (EA) - 333-185762 | SA Allocation Aggressive Portfolio Class 3

7.30%

SA Allocation Aggressive Portfolio

SunAmerica Asset Management, LLC

1.03%

15.84%

8.05%

Polaris Platinum III (EA) - 333-185762 | SA Allocation Balanced Portfolio Class 3

9.34%

SA Allocation Balanced Portfolio

SunAmerica Asset Management, LLC

1.00%

10.96%

3.91%

Polaris Platinum III (EA) - 333-185762 | SA Allocation Moderate Portfolio Class 3

5.79%

SA Allocation Moderate Portfolio

SunAmerica Asset Management, LLC

1.01%

12.52%

5.48%

Polaris Platinum III (EA) - 333-185762 | SA Allocation Moderately Aggressive Portfolio Class 3

7.20%

SA Allocation Moderately Aggressive Portfolio

SunAmerica Asset Management, LLC

1.01%

14.13%

6.52%

Polaris Platinum III (EA) - 333-185762 | SA American Funds Asset Allocation Portfolio Class 3

8.07%

SA American Funds Asset Allocation Portfolio

SunAmerica Asset Management, LLC

Capital Research and Management Company

0.80%

15.57%

8.70%

Polaris Platinum III (EA) - 333-185762 | SA BlackRock Multi Factor 70 30 Portfolio Class 3

9.48%

SA BlackRock Multi-Factor 70/30 Portfolio

SunAmerica Asset Management, LLC

BlackRock Investment Management, LLC

0.76%

14.00%

Polaris Platinum III (EA) - 333-185762 | SA Franklin Allocation Moderately Aggressive Portfolio Class 3

6.55%

SA Franklin Allocation Moderately Aggressive Portfolio

SunAmerica Asset Management, LLC

Franklin Advisers, Inc.

1.14%

17.57%

10.49%

Polaris Platinum III (EA) - 333-185762 | SA Franklin Tactical Opportunities Portfolio Class 3

10.11%

SA Franklin Tactical Opportunities Portfolio

SunAmerica Asset Management, LLC

Franklin Advisers, Inc.

1.07%

15.14%

Polaris Platinum III (EA) - 333-185762 | SA Global Index Allocation 60 40 Portfolio Class 3

8.17%

SA Global Index Allocation 60/40 Portfolio

SunAmerica Asset Management, LLC

0.80%

15.33%

Polaris Platinum III (EA) - 333-185762 | SA Global Index Allocation 75 25 Portfolio Class 3

5.96%

SA Global Index Allocation 75/25 Portfolio

SunAmerica Asset Management, LLC

0.81%

17.73%

Polaris Platinum III (EA) - 333-185762 | SA Global Index Allocation 90 10 Portfolio Class 3

7.35%

SA Global Index Allocation 90/10 Portfolio

SunAmerica Asset Management, LLC

0.77%

20.04%

Polaris Platinum III (EA) - 333-185762 | SA Goldman Sachs Multi Asset Insights Portfolio Class 3

8.81%

SA Goldman Sachs Multi-Asset Insights Portfolio

SunAmerica Asset Management, LLC

Goldman Sachs Asset Management, L.P.

1.11%

18.82%

Polaris Platinum III (EA) - 333-185762 | SA Index Allocation 60 40 Portfolio Class 3

8.55%

SA Index Allocation 60/40 Portfolio

SunAmerica Asset Management, LLC

0.71%

13.13%

Polaris Platinum III (EA) - 333-185762 | SA Index Allocation 80 20 Portfolio Class 3

6.99%

SA Index Allocation 80/20 Portfolio

SunAmerica Asset Management, LLC

0.69%

15.51%

Polaris Platinum III (EA) - 333-185762 | SA Index Allocation 90 10 Portfolio Class 3

9.25%

SA Index Allocation 90/10 Portfolio

SunAmerica Asset Management, LLC

0.69%

17.19%

Polaris Platinum III (EA) - 333-185762 | SA JPMorgan Diversified Balanced Portfolio Class 3

10.39%

SA JPMorgan Diversified Balanced Portfolio

SunAmerica Asset Management, LLC

J.P. Morgan Investment Management Inc.

0.99%

12.65%

5.80%

Polaris Platinum III (EA) - 333-185762 | SA MFS Total Return Portfolio Class 3

7.27%

SA MFS Total Return Portfolio

SunAmerica Asset Management, LLC

Massachusetts Financial Services Company

0.96%

10.69%

6.03%

Polaris Platinum III (EA) - 333-185762 | SA T Rowe Price Allocation Moderately Aggressive Portfolio Class 3

7.26%

SA T. Rowe Price Allocation Moderately Aggressive Portfolio

SunAmerica Asset Management, LLC

T. Rowe Price Associates, Inc.

1.00%

15.39%

Polaris Platinum III (EA) - 333-185762 | SA Wellington Strategic Multi Asset Portfolio Class 3

8.22%

SA Wellington Strategic Multi-Asset Portfolio

SunAmerica Asset Management, LLC

Wellington Management Company LLP

1.06%

14.09%

5.60%

Polaris Platinum III (EA) - 333-185762 | PIMCO Emerging Markets Bond Portfolio Advisor Class

7.17%

Bond

PIMCO Emerging Markets Bond Portfolio

Pacific Investment Management Company, LLC

1.27%

14.86%

2.34%

Polaris Platinum III (EA) - 333-185762 | PIMCO Total Return Portfolio Advisor Class

4.96%

PIMCO Total Return Portfolio

Pacific Investment Management Company, LLC

0.83%

8.78%

(0.08%)

Polaris Platinum III (EA) - 333-185762 | SA American Century Inflation Managed Portfolio Class 3

2.26%

SA American Century Inflation Managed Portfolio

SunAmerica Asset Management, LLC

American Century Investment Management, Inc.

0.85%

6.21%

0.63%

Polaris Platinum III (EA) - 333-185762 | SA Federated Hermes Corporate Bond Portfolio Class 3

2.06%

SA Federated Hermes Corporate Bond Portfolio

SunAmerica Asset Management, LLC

Federated Investment Management Company

0.80%

6.78%

0.15%

Polaris Platinum III (EA) - 333-185762 | SA Fixed Income Index Portfolio Class 3

3.46%

SA Fixed Income Index Portfolio

SunAmerica Asset Management, LLC

BlackRock Investment Management, LLC

0.59%

6.05%

Polaris Platinum III (EA) - 333-185762 | SA Fixed Income Intermediate Index Portfolio Class 3

(0.84%)

SA Fixed Income Intermediate Index Portfolio

SunAmerica Asset Management, LLC

BlackRock Investment Management, LLC

0.59%

6.04%

Polaris Platinum III (EA) - 333-185762 | SA Goldman Sachs Government and Quality Bond Portfolio Class 3

0.72%

SA Goldman Sachs Government and Quality Bond Portfolio

SunAmerica Asset Management, LLC

Goldman Sachs Asset Management L.P.

0.84%

6.31%

(1.02%)

Polaris Platinum III (EA) - 333-185762 | SA JPMorgan MFS Core Bond Portfolio Class 3

1.21%

SA JPMorgan MFS Core Bond Portfolio

SunAmerica Asset Management, LLC

J.P. Morgan Investment Management Inc. and Massachusetts Financial Services Company

0.78%

6.98%

(0.17%)

Polaris Platinum III (EA) - 333-185762 | SA JPMorgan Ultra-Short Bond Portfolio Class 3

2.19%

SA JPMorgan Ultra-Short Bond Portfolio

SunAmerica Asset Management, LLC

J.P. Morgan Investment Management Inc.

0.80%

4.39%

2.20%

Polaris Platinum III (EA) - 333-185762 | SA PIMCO Global Bond Opportunities Portfolio Class 3

1.45%

SA PIMCO Global Bond Opportunities Portfolio

SunAmerica Asset Management, LLC

Pacific Investment Management Company, LLC

1.18%

8.72%

(3.61%)

Polaris Platinum III (EA) - 333-185762 | SA PineBridge High Yield Bond Portfolio Class 3

0.35%

SA PineBridge High-Yield Bond Portfolio

SunAmerica Asset Management, LLC

PineBridge Investments, LLC

1.01%

8.16%

5.05%

Polaris Platinum III (EA) - 333-185762 | Goldman Sachs VIT Government Money Market Fund Service Shares

6.94%

Cash

Goldman Sachs VIT Government Money Market Fund

Goldman Sachs Asset Management, L.P.

0.43%

3.94%

2.98%

Polaris Platinum III (EA) - 333-185762 | Invesco VI American Franchise Fund Series II

1.90%

Stock

Invesco V.I. American Franchise Fund

Invesco Advisers, Inc.

1.10%

11.39%

10.08%

Polaris Platinum III (EA) - 333-185762 | Invesco VI Comstock Fund Series II

14.58%

Invesco V.I. Comstock Fund

Invesco Advisers, Inc.

1.00%

17.14%

15.14%

Polaris Platinum III (EA) - 333-185762 | Invesco VI Growth and Income Fund Series II

11.67%

Invesco V.I. Growth and Income Fund

Invesco Advisers, Inc.

1.00%

15.30%

12.56%

Polaris Platinum III (EA) - 333-185762 | Lord Abbett Growth and Income Portfolio Class VC

10.46%

Lord Abbett Growth and Income Portfolio

Lord, Abbett & Co. LLC

0.93%

17.29%

13.35%

Polaris Platinum III (EA) - 333-185762 | SA AB Growth Portfolio Class 3

11.12%

SA AB Growth Portfolio

SunAmerica Asset Management, LLC

AllianceBernstein L.P.

0.88%

12.79%

11.67%

Polaris Platinum III (EA) - 333-185762 | SA AB Small Mid Cap Value Portfolio Class 3

15.85%

SA AB Small & Mid Cap Value Portfolio

SunAmerica Asset Management, LLC

AllianceBernstein L.P.

1.16%

2.32%

8.36%

Polaris Platinum III (EA) - 333-185762 | SA American Funds Global Growth Portfolio Class 3

8.27%

SA American Funds Global Growth Portfolio

SunAmerica Asset Management, LLC

Capital Research and Management Company

0.95%

21.35%

7.94%

Polaris Platinum III (EA) - 333-185762 | SA American Funds Growth Portfolio Class 3

11.86%

SA American Funds Growth Portfolio

SunAmerica Asset Management, LLC

Capital Research and Management Company

0.85%

19.91%

13.07%

Polaris Platinum III (EA) - 333-185762 | SA American Funds Growth Income Portfolio Class 3

17.65%

SA American Funds Growth-Income Portfolio

SunAmerica Asset Management, LLC

Capital Research and Management Company

0.82%

17.67%

13.57%

Polaris Platinum III (EA) - 333-185762 | SA BlackRock Advantage International Portfolio Class 3

13.59%

SA BlackRock Advantage International Portfolio

SunAmerica Asset Management, LLC

BlackRock Investment Management, LLC

1.12%

20.99%

5.23%

Polaris Platinum III (EA) - 333-185762 | SA Emerging Markets Equity Index Portfolio Class 3

6.11%

SA Emerging Markets Equity Index Portfolio

SunAmerica Asset Management, LLC

BlackRock Investment Management, LLC

0.83%

32.65%

Polaris Platinum III (EA) - 333-185762 | SA Fidelity Institutional AM Global Equities Portfolio Class 3

3.13%

SA Fidelity Institutional AM Global Equities Portfolio

SunAmerica Asset Management, LLC

FIAM LLC

1.07%

21.87%

13.53%

Polaris Platinum III (EA) - 333-185762 | SA Fidelity Institutional AM International Growth Portfolio Class 3

11.10%

SA Fidelity Institutional AM International Growth Portfolio

SunAmerica Asset Management, LLC

FIAM LLC

1.14%

18.00%

Polaris Platinum III (EA) - 333-185762 | SA Fidelity Institutional AM Real Estate Portfolio Class 3

5.76%

SA Fidelity Institutional AM Real Estate Portfolio

SunAmerica Asset Management, LLC

FIAM LLC

1.10%

1.25%

4.65%

Polaris Platinum III (EA) - 333-185762 | SA Franklin BW US Large Cap Value Portfolio Class 3

5.18%

SA Franklin BW U.S. Large Cap Value Portfolio

SunAmerica Asset Management, LLC

Brandywine Global Investment Management, LLC

0.95%

16.83%

13.57%

Polaris Platinum III (EA) - 333-185762 | SA Franklin Small Company Value Portfolio Class 3

11.32%

SA Franklin Small Company Value Portfolio

SunAmerica Asset Management, LLC

Franklin Mutual Advisers, LLC

1.25%

6.14%

8.32%

Polaris Platinum III (EA) - 333-185762 | SA Franklin Systematic US Large Cap Core Portfolio Class 3

9.41%

SA Franklin Systematic U.S. Large Cap Core Portfolio

SunAmerica Asset Management, LLC

Franklin Advisers, Inc.

0.79%

18.02%

Polaris Platinum III (EA) - 333-185762 | SA Franklin Systematic US Large Cap Value Portfolio Class 3

15.11%

SA Franklin Systematic U.S. Large Cap Value Portfolio

SunAmerica Asset Management, LLC

Franklin Advisers, Inc.

0.89%

16.68%

11.52%

Polaris Platinum III (EA) - 333-185762 | SA International Index Portfolio Class 3

12.31%

SA International Index Portfolio

SunAmerica Asset Management, LLC

BlackRock Investment Management, LLC

0.75%

30.60%

Polaris Platinum III (EA) - 333-185762 | SA Invesco Growth Opportunities Portfolio Class 3

8.18%

SA Invesco Growth Opportunities Portfolio

SunAmerica Asset Management, LLC

Invesco Advisers, Inc.

1.07%

5.92%

(0.96%)

Polaris Platinum III (EA) - 333-185762 | SA Janus Focused Growth Portfolio Class 3

8.86%

SA Janus Focused Growth Portfolio

SunAmerica Asset Management, LLC

Janus Capital Management, LLC

1.05%

18.04%

11.40%

Polaris Platinum III (EA) - 333-185762 | SA JPMorgan Emerging Markets Portfolio Class 3

15.34%

SA JPMorgan Emerging Markets Portfolio

SunAmerica Asset Management, LLC

J.P. Morgan Investment Management Inc.

1.41%

36.00%

4.37%

Polaris Platinum III (EA) - 333-185762 | SA JPMorgan Equity Income Portfolio Class 3

8.15%

SA JPMorgan Equity-Income Portfolio

SunAmerica Asset Management, LLC

J.P. Morgan Investment Management Inc.

0.84%

14.31%

10.52%

Polaris Platinum III (EA) - 333-185762 | SA JPMorgan Large Cap Core Portfolio Class 3

10.81%

SA JPMorgan Large Cap Core Portfolio

SunAmerica Asset Management, LLC

J.P. Morgan Investment Management Inc.

0.94%

14.15%

12.71%

Polaris Platinum III (EA) - 333-185762 | SA JPMorgan Mid Cap Growth Portfolio Class 3

12.44%

SA JPMorgan Mid-Cap Growth Portfolio

SunAmerica Asset Management, LLC

J.P. Morgan Investment Management Inc.

1.02%

7.86%

3.99%

Polaris Platinum III (EA) - 333-185762 | SA Large Cap Growth Index Portfolio Class 3

11.89%

SA Large Cap Growth Index Portfolio

SunAmerica Asset Management, LLC

BlackRock Investment Management, LLC

0.60%

21.51%

Polaris Platinum III (EA) - 333-185762 | SA Large Cap Index Portfolio Class 3

14.35%

SA Large Cap Index Portfolio

SunAmerica Asset Management, LLC

BlackRock Investment Management, LLC

0.50%

17.27%

13.83%

Polaris Platinum III (EA) - 333-185762 | SA Large Cap Value Index Portfolio Class 3

14.18%

SA Large Cap Value Index Portfolio

SunAmerica Asset Management, LLC

BlackRock Investment Management, LLC

0.60%

12.57%

Polaris Platinum III (EA) - 333-185762 | SA MFS Large Cap Growth Portfolio Class 3

12.28%

SA MFS Large Cap Growth Portfolio

SunAmerica Asset Management, LLC

Massachusetts Financial Services Company

0.93%

16.39%

14.85%

Polaris Platinum III (EA) - 333-185762 | SA MFS Massachusetts Investors Trust Portfolio Class 3

15.87%

SA MFS Massachusetts Investors Trust Portfolio

SunAmerica Asset Management, LLC

Massachusetts Financial Services Company

0.95%

13.52%

11.20%

Polaris Platinum III (EA) - 333-185762 | SA Mid Cap Index Portfolio Class 3

12.37%

SA Mid Cap Index Portfolio

SunAmerica Asset Management, LLC

BlackRock Investment Management, LLC

0.62%

6.76%

Polaris Platinum III (EA) - 333-185762 | SA PIMCO RAE International Value Portfolio Class 3

8.39%

SA PIMCO RAE International Value Portfolio

SunAmerica Asset Management, LLC

Pacific Investment Management Company, LLC

1.09%

35.91%

10.00%

Polaris Platinum III (EA) - 333-185762 | SA Putnam International Value Portfolio Class 3

5.99%

SA Putnam International Value Portfolio

SunAmerica Asset Management, LLC

Putnam Investment Management, LLC

1.18%

34.95%

12.59%

Polaris Platinum III (EA) - 333-185762 | SA Small Cap Index Portfolio Class 3

8.79%

SA Small Cap Index Portfolio

SunAmerica Asset Management, LLC

BlackRock Investment Management, LLC

0.66%

12.04%

Polaris Platinum III (EA) - 333-185762 | SA Wellington Capital Appreciation Portfolio Class 3

5.28%

SA Wellington Capital Appreciation Portfolio

SunAmerica Asset Management, LLC

Wellington Management Company LLP

0.98%

14.26%

8.54%

Polaris Platinum III (EA) - 333-185762 | SA American Funds VCP Managed Allocation Portfolio Class 3

15.75%

Volatility Control

SA American Funds VCP Managed Allocation Portfolio

SunAmerica Asset Management, LLC

Capital Research and Management Company

1.15%

10.83%

7.40%

Polaris Platinum III (EA) - 333-185762 | SA Schroders VCP Global Allocation Portfolio Class 3

7.96%

SA Schroders VCP Global Allocation Portfolio

SunAmerica Asset Management, LLC

Schroder Investment Management North America

1.16%

12.32%

Polaris Platinum III (EA) - 333-185762 | SA T Rowe Price VCP Balanced Portfolio Class 3

5.73%

SA T. Rowe Price VCP Balanced Portfolio

SunAmerica Asset Management, LLC

T. Rowe Price Associates, Inc.

1.09%

15.97%

Polaris Platinum III (EA) - 333-185762 | SA VCP Dynamic Allocation Portfolio Class 3

6.81%

SA VCP Dynamic Allocation Portfolio

SunAmerica Asset Management, LLC

AllianceBernstein L.P.

1.01%

11.13%

5.34%

Polaris Platinum III (EA) - 333-185762 | SA VCP Dynamic Strategy Portfolio Class 3

7.51%

SA VCP Dynamic Strategy Portfolio

SunAmerica Asset Management, LLC

AllianceBernstein L.P.

1.03%

10.89%

5.66%

Polaris Platinum III (EA) - 333-185762 | SA VCP Index Allocation Portfolio Class 3

7.19%

SA VCP Index Allocation Portfolio

SunAmerica Asset Management, LLC

T. Rowe Price Associates, Inc.

0.78%

11.82%

Polaris Platinum III (EA) - 333-185762 | Previously Offered [Member]

7.29%

Administrative Expense, Maximum [Dollars]

$ 35

Base Contract Expense (of Average Account Value), Maximum [Percent]

1.30%

Base Contract Expense, Footnotes [Text Block]

Base Contract Expenses: If you do not elect any optional features, your total Base Contract Expense would be 1.15% annually for contracts issued on or after May 1, 2017 and 1.30% for contracts issued prior to May 1, 2017. Beneficiary Expenses if Extended Legacy is Elected

The Initial Annual Fee Rate is guaranteed not to change for the first Benefit Year. Subsequently, the fee rate may change quarterly subject to the parameters identified in the table below. Any fee adjustment is based on a non-discretionary formula tied to the change in the Volatility Index (“VIX®”), an index of market volatility reported by the Chicago Board Options Exchange. In general, as the average value of the VIX decreases or increases, your fee rate will decrease or increase accordingly, subject to the maximums identified in the Fee Table and the minimums described below. If you purchased your contract prior to October 9, 2017, please see APPENDIX F — LIVING BENEFITS FOR CONTRACTS ISSUED PRIOR TO May 1, 2023 for applicable formula. (Contracts issued on or after October 9, 2017)

	Minimum Annual Fee Rate	Maximum Annualized Fee Rate Decrease or Increase Each Benefit Quarter*
One Covered Person	0.60%	±0.40%
Two Covered Persons	0.60%	±0.40%

Number of Covered Persons	Minimum Annual Fee Rate	Maximum Annualized Fee Rate Decrease or Increase Each Benefit Quarter*
One Covered Person	0.60%	±0.25%
Two Covered Persons	0.60%	±0.25%

Polaris Platinum III (EA) - 333-185762 | Standard Death Benefit [Member]

	Minimum Annual Fee Rate	Maximum Annualized Fee Rate Decrease or Increase Each Benefit Quarter*
One Covered Person	0.60%	±0.40%
Two Covered Persons	0.60%	±0.40%

Number of Covered Persons	Minimum Annual Fee Rate	Maximum Annualized Fee Rate Decrease or Increase Each Benefit Quarter*
One Covered Person	0.60%	±0.25%
Two Covered Persons	0.60%	±0.25%

Polaris Platinum III (EA) - 333-185762 | Contract Value Death Benefit

Death Benefits

You must elect one of the death benefit options at the time you purchase your contract. Some options are available for an additional fee, as described later in this section. Once elected, you cannot change your death benefit option. You should discuss the available options with your financial representative to determine which option is best for you. Certain death benefit options are either no longer offered or have changed since first being offered. If your contract was purchased between May 1, 2017 and September 8, 2019, please see APPENDIX K – DEATH BENEFITS FOLLOWING SPOUSAL CONTINUATION BETWEEN MAY 1, 2017 AND SEPTEMBER 8, 2019 for details regarding those death benefit options. If your contract was issued prior to May 1, 2017, please see APPENDIX G – DEATH BENEFITS AND SPOUSAL CONTINUATION DEATH BENEFITS FOR CONTRACTS ISSUED PRIOR TO May 1, 2017 for details regarding those death benefit options. We do not pay a death benefit if: •your contract value is reduced to zero; or •you die after you begin the Income Phase. Your Beneficiary would receive any remaining guaranteed annuity income payments in accordance with the annuity income option you selected. Please see ANNUITY INCOME OPTIONS. We pay a death benefit to your Beneficiary(ies) if you die during the Accumulation Phase. The death benefit will become payable upon death of the following individual.

Owner	Payable Upon Death of
Natural persons	Owner (or first to die, if jointly owned)
Non-natural person (e.g. Trust)	Annuitant

Beneficiary Designation You must notify us in writing of the Beneficiary(ies) who will receive any death benefit payments under your contract. You may change the Beneficiary at any time, unless otherwise specified below. •If your contract is jointly owned, the surviving joint Owner must be the sole primary Beneficiary. Any other individual you designate as Beneficiary will be the contingent Beneficiary. •If the Owner is a non-natural person then joint Annuitants, if any, shall be each other’s sole primary Beneficiary, except when the Owner is a charitable remainder trust. •If the Owner is a trust, whether as an agent for a natural person or otherwise, you should consult with your tax and/or legal adviser to determine whether this contract is an appropriate trust investment.Death Benefit Processing We process death benefit requests when we receive all required documentation, including satisfactory proof of death, in Good Order, at the Annuity Service Center.

Satisfactory proof of death includes, but may not be

limited to:

(1)A certified copy of the death certificate; or

(2)A certified copy of a decree of a court of

competent jurisdiction as to the finding of death;

(3)A written statement by a medical doctor who

attended the deceased at the time of death.

When Death Benefits are Calculated •All death benefit calculations are made as of the day required documentation is received in Good Order at the Annuity Service Center before Market Close. If the death benefit request is received after Market Close, the death benefit calculation will be made as of the next NYSE business day. The contract value will remain invested pursuant to the Owner's latest allocation instructions on file subject to the limitations described in this prospectus, until we receive notification of death and/or death claim paperwork in Good Order. Thereafter, a Beneficiary may elect one of the death settlement options by contacting the Annuity Service Center. If we receive notification of the Owner’s death before any previously requested transaction is completed (including systematic transfer and withdrawal programs), we will cancel the previously requested transaction. For contracts in which the aggregate of all Purchase Payments in contracts issued by AGL, US Life and/or VALIC to the same Owner/Annuitant are in excess of the Purchase Payments Limit, we reserve the right to limit the death benefit amount that is in excess of contract value at the time we receive all paperwork and satisfactory proof of death. Any limit on the maximum death benefit payable would be mutually agreed upon in writing by you and the Company prior to purchasing the contract.Death Benefit Settlement Options Your Beneficiary must elect one of the following settlement options after providing required documentation, including satisfactory proof of death, in Good Order. •Lump sum payment; or •Annuity Income Option; or •Continue the contract as the spousal Beneficiary, or under a Beneficiary continuation option; or •Payment option that is mutually agreeable between you and us In general, the death benefit must be paid within 5 years of the date of death unless the Beneficiary elects to have it payable in the form of an annuity income option. If the Beneficiary elects an annuity income option, it must be paid over the Beneficiary’s life expectancy or a shorter period. Payments associated with such election must begin within one year of death. Federal tax law may limit the Beneficiary’s death benefit and payout options available after your death. Please see ANNUITY INCOME OPTIONS.

Contract Value Death Benefit

Provides a death benefit equal to the contract value

•Withdrawals may significantly reduce the benefit

Contract Value Death Benefit

Polaris Platinum III (EA) - 333-185762 | Dollar Cost Averaging DCA Fixed Accounts

Contract Value Death Benefit The Contract Value death benefit is equal to the contract value on the business day during which we receive all required documentation. The following Return of Purchase Payment death benefit and the Maximum Anniversary Value death benefit are calculated differently depending on whether you have also elected one of the Living Benefits described above. Depending on the broker-dealer with which your financial representative is affiliated, in order to purchase your contract, you may be required to elect the Return of Purchase Payment death benefit or the Maximum Anniversary Value death benefit. Please note that not all Death Benefit options may be available through the broker-dealer with which your financial representative is affiliated. Please check with your financial representative for availability and additional restrictions.

Dollar Cost Averaging (DCA) Fixed Accounts

Interest is credited to amounts allocated to a DCA Fixed Account and your money is systematically transferred from the DCA Fixed Account to one or more investment options over a specified period of time

•Must be funded with a Purchase Payment, not transferred contract value•Minimum funding requirements apply•Only 6-Month, 12-Month, and 2-Year DCA Fixed Accounts may be available•Transfers may only occur on a monthly basis•Availability may be restricted based on date of contract issuance and election of optional benefits•Fixed Account options are not eligible to receive DCA transfers•The interest rates applicable to the DCA Fixed Accounts may differ from those applicable to any other Fixed Account but will never be less than the minimum guaranteed interest rate specified in your contract

Polaris Platinum III (EA) - 333-185762 | Dollar Cost Averaging DCA Program

Dollar Cost Averaging (DCA) Fixed Accounts

Dollar Cost Averaging (DCA) Program

Allows you to have systematic transfers of a specified dollar amount or percentage of contract value from an investment option to one or more eligible investment options

•Transfers may only occur on a monthly basis and will not count towards the number of free transfers per contract year•Minimum per transfer is $100 regardless of source account•Fixed Account options are not eligible to receive DCA transfers•Upon notification of your death, we will terminate the DCA Program and transfer the remaining money according to the current allocation instructions on file

Polaris Platinum III (EA) - 333-185762 | Automatic Asset Rebalancing

Dollar Cost Averaging (DCA) Program

Automatic Asset Rebalancing

Allows you to have your investments periodically rebalanced to your pre-selected percentages

•Rebalancing may occur on a quarterly, semi-annual, or annual basis•Updated rebalancing instructions must be provided upon making a non-automatic transfer, otherwise rebalancing instructions will be automatically updated•Upon notification of your death, we will terminate the Automatic Asset Rebalancing Program•If you elect an optional Living Benefit, we will automatically enroll you in the Automatic Asset Rebalancing Program with quarterly rebalancing

Polaris Platinum III (EA) - 333-185762 | Systematic Withdrawal Program

Automatic Asset Rebalancing

Systematic Withdrawal Program

Allows you to receive periodic withdrawals from your contract

•Minimum withdrawal amount is $100•Withdrawals may occur on a monthly, quarterly, semi-annual, or annual basis•Participation in program may be restricted if optional Living Benefit elected

Systematic Withdrawal Program

Polaris Platinum III (EA) - 333-185762 | Automatic Payment Plan

Systematic Withdrawal Program During the Accumulation Phase, you may elect to receive periodic withdrawals under the Systematic Withdrawal Program for no additional charge. Under the program, you may choose to take monthly, quarterly, semi-annual or annual payments from your contract. Electronic transfer of these periodic withdrawals to your bank account is available. Please contact our Annuity Service Center which can provide the necessary enrollment forms. A withdrawal charge may apply if the amount of the periodic withdrawals in any year exceeds the penalty-free withdrawal amount permitted each year. If you elect a Living Benefit and choose to receive periodic withdrawals under the Systematic Withdrawal Program on or after the Activation Date, you must request withdrawals on the appropriate Living Benefit enrollment form. The Systematic Withdrawal Program may not be established before the Activation Date. If we receive your request on another form, your request will not be processed. The Systematic Withdrawal Program for contracts with a Living Benefit is designed to provide withdrawal amounts within the Maximum Annual Withdrawal Amount. Any amounts taken above your Maximum Annual Withdrawal Amount while enrolled in the Systematic Withdrawal Program will eliminate the remaining systematic withdrawals within the same contract year and may permanently reduce future guaranteed withdrawal amounts. The Systematic Withdrawal Program will be re-established in the following contract year after such withdrawals, and the annualized systematic withdrawals will be adjusted to account for the new Maximum Annual Withdrawal Amount. If you must take Required Minimum Distributions (RMDs) from this contract and want to ensure that these withdrawals will not permanently reduce future guaranteed withdrawal amounts on or after the Activation Date, your total distribution(s) during the current contract year must not exceed the greater of the Maximum Annual Withdrawal Amount under the Living Benefit or the RMD amount as calculated by our Annuity Service Center. You may establish a Systematic Withdrawal Program to take your RMD, which will ensure the amount taken does not exceed either the Maximum Annual Withdrawal Amount under the Living Benefit or RMD amount as calculated by our Annuity Service Center. Upon notification of your death, we will terminate the Systematic Withdrawal Program. We reserve the right to modify, suspend or terminate the Systematic Withdrawal Program at any time and we will notify you prior to exercising that right.

Automatic Payment Plan

Allows you to make automatic Purchase Payments

•Minimum requirements for the initial and subsequent Purchase Payments and age restrictions apply•May not be available with election of certain Living Benefit features

Polaris Platinum III (EA) - 333-185762 | Polaris Income Max Living Benefit

Automatic Payment Plan

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

2.50%

Polaris Income Max Living Benefit

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

A guaranteed minimum withdrawal benefit, designed for individuals who want the guarantee of Income Credits prior to Activation Date

2.50%

•May be elected only at time of contract issue•Covered Person(s) must be age 50-80 at time of election•All withdrawals before guaranteed withdrawals are activated may significantly reduce or terminate the benefit•Withdrawal percentages depend on the Income Option you elect and the number and age of Covered Person(s) when guaranteed withdrawals are activated•Excess withdrawals after guaranteed withdrawals are activated may significantly reduce or terminate the benefit•Income Credits not available after guaranteed withdrawals are activated•Investment requirements limit available investment options•Purchase Payments subject to additional restrictions•May not be cancelled by you prior to the 5th benefit anniversary•Certain events will automatically terminate the benefit•May not be re-elected or reinstated after termination•May not be available for election through the broker-dealer with which your financial representative is affiliated•The broker-dealer with which your financial representative is affiliated may require you to elect an optional Living Benefit at time of contract issue•Fee may be deducted pro rata from variable portfolios only in certain states. Please see APPENDIX E – STATE CONTRACT AVAILABILITY AND/OR VARIABILITY for specific states.

Polaris Income Max Living Benefit

Polaris Platinum III (EA) - 333-185762 | Polaris Income Plus Daily Flex Living Benefit

Overview of Living Benefits The optional Living Benefits are designed to help you create a guaranteed income stream based on a series of withdrawals you may take from your contract that may last as long as you live, or as long as you and your spouse live. As long as you take these withdrawals within the parameters of the Living Benefit, you will receive a guaranteed income stream for life even if the entire contract value has been reduced to zero. Alternatively, you should know that you may also receive annuity income payments for life if you annuitize your contract. Please see ANNUITY INCOME OPTIONS below. You may elect one of the optional Living Benefits, both of which are guaranteed minimum withdrawal benefits, for an additional fee only at the time of contract issue. The Living Benefits may offer protection in the event your contract value declines due to unfavorable investment performance, if you live longer than expected or combination of these factors. You may never need to rely on this protection as the benefit’s value is dependent on your contract’s performance, your withdrawal activity and your longevity. If you do not expect to take any withdrawals, then electing the Living Benefit would not be appropriate. Though the optional Living Benefits offer additional protections, the additional fee associated with the benefits has the impact of reducing the net investment return. If you elect a Living Benefit, prior to activating Lifetime Income, any withdrawal that reduces the contract value to zero will terminate the contract including its optional Living Benefit. However, although market performance and fees can reduce the contract value to zero, they will not result in the termination of your contract and its benefits. Excess Withdrawals may significantly reduce the value of or terminate the Living Benefit; therefore, election of the Living Benefit may not be appropriate for a contract owner who intends to take withdrawals greater than the Maximum Annual Withdrawal Amount allowable under the Living Benefit. Please see POLARIS INCOME MAX and POLARIS INCOME PLUS DAILY FLEX below for a more detailed description of each Living Benefit following the summary for information regarding how the benefit works, its availability, applicable restrictions, fees and additional considerations. You should consider each Living Benefit thoroughly and understand it completely before deciding to elect a Living Benefit. Polaris Income Max and Polaris Income Plus Daily Flex How does Polaris Income Max work? Polaris Income Max® locks in the greater of two values to determine the Income Base. The Income Base is initially equal to the first Purchase Payment. The Income Base is automatically locked in on each Benefit Year Anniversary, as the greater of (1) the Higher Anniversary Value, or (2) the Income Base increased by any available Income Credit. Polaris Income Max offers guaranteed lifetime income plus the opportunity to increase income by locking in the greater of either the contract’s Higher Anniversary Value, or an Income Base with an annual Income Credit, if any. If you elect Polaris Income Max, you may choose from Income Options 1, 2 or 3, but must elect the date on which your Lifetime Income is activated (the “Activation Date”). Polaris Income Max allows you flexibility to make a one-time change to your initial elections of: 1) Covered Person(s) (the “Covered Person Change”) and 2) Income Options (the “Income Option Change”) on the Activation Date. The Covered Person Change is also permitted where there is a marriage, divorce, or death prior to the Activation Date (the “Life Change Event”) of one of the original Covered Person(s). You may take withdrawals prior to the Activation Date and those withdrawals will not lock in the Maximum Annual Withdrawal Percentage and Protected Income Payment Percentage. However withdrawals taken prior to the Activation Date will reduce the Income Base, Income Credit Base, and Purchase Payments in the same proportion by which the contract value is reduced by the withdrawal. The annual Income Credit is an amount we may add to the Income Base each year prior to the Activation Date. The Income Credit is determined by multiplying the Income Credit Percentage by the Income Credit Base. Prior to Activation Date, if withdrawals are taken, the Income Credit amount is reduced because it will be based on the proportionately reduced Income Credit Base. On or after the Activation Date, the Income Credit will no longer be available. Please see “How do increases to the Income Base and Income Credit Base work under Polaris Income Max?” below. How does Polaris Income Plus Daily Flex work? Polaris Income Plus Daily Flex® offers guaranteed lifetime income plus the opportunity to increase income by locking in Step-up Values. If you elect Polaris Income Plus Daily Flex, you may choose from Income Options 1, 2, or 3, but must elect the date on which your Lifetime Income is activated (the “Activation Date”). Polaris Income Plus Daily Flex allows you flexibility to make a one-time change to your initial elections of: 1) Covered Person(s) (the “Covered Person Change”) and 2) Income Option (the “Income Option Change”) on the Activation Date. The Covered Person(s) Change is permitted where there is a marriage, divorce, or death prior to the Activation Date (the “Life Change Event”) of the original Covered Person(s). At least one of the original named Covered Person(s) must remain on the contract. You may take withdrawals prior to the Activation Date and those withdrawals will not lock in the Maximum Annual Withdrawal Percentage and Protected Income Payment Percentage. However, withdrawals taken prior to the Activation date will reduce the Income Base and Purchase Payments in the same proportion by which the contract value is reduced by the withdrawal. Prior to the Activation Date, the Income Base step-ups, if any, occur on a daily basis. The Income Base is the basis for the Covered Person(s)’ Lifetime Income. The Income Base is initially equal to the first Purchase Payment, increased by any subsequent Purchase Payments, if any, and reduced proportionately for any withdrawals made. In addition, you will be eligible for the Minimum Income Base on every Benefit Year Anniversary prior to the Activation Date. The Minimum Income Base is a specified percentage of the Purchase Payment(s). The Purchase Payment(s) used to calculate the Minimum Income Base are reduced for any withdrawals taken prior to the Activation Date. On or after the Activation Date, the Minimum Income Base will no longer increase on future Benefit Anniversaries. Please see “How do increases to the Income Base work under Polaris Income Plus Daily Flex?” below.What are the differences between Polaris Income Max and Polaris Income Plus Daily Flex?

Living Benefit Parameter	Polaris Income Max	Polaris Income Plus Daily Flex
This Living Benefit is suitable for the type of investor	Who wants the guarantee of Income Credits prior to the Activation Date	Who wants the greater flexibility of investment options and wants a Living Benefit that provides the ability for the Income Base to step up more frequently to Step-up Values.
Minimum Income Base	N/A	Minimum Income Base: a Minimum Income Base Percentage is applied annually to Purchase Payments received prior to the Activation Date. Any withdrawals taken prior to the Activation Date will proportionately reduce all Purchase Payments used in the calculation of the Minimum Income Base. No further adjustments are made on or after the Activation Date.
Income Credit – Prior to the Activation Date	Income Credit available – the Income Credit Base and Income Base are reduced proportionately for any withdrawals taken prior to the Activation Date	N/A
Income Credit – On or After the Activation Date	N/A	N/A
Frequency of Step-up Values	Annually	Daily
Investment Requirements	20% in Secure Value Account 80% in Variable Portfolios (total of 18 investment options)	10% in Secure Value Account 90% in Variable Portfolios Asset Allocation Portfolios (37 investment options) or 90% in Build Your Own Allocation (76 investment options that cross 12 asset classes)

Please consult with your financial representative regarding which Living Benefit is appropriate for you. The Initial Annual Fee Rate, Minimum Income Base Percentage, Maximum Annual Withdrawal Percentages, Protected Income Payment Percentages, and Income Credit Percentage are set forth in the Rate Sheet Supplement that must accompany this prospectus. If you need another copy of the prospectus or Rate Sheet Supplement, please call us at the Annuity Service Center at (800) 445-7862 or visit our website at www.corebridgefinancial.com/ProductProspectuses. All Rate Sheet prospectus supplements will be filed with the Securities and Exchange Commission and are available on the EDGAR system at www.sec.gov, file number 333-185762.Are there investment requirements if I elect a Living Benefit? Yes, you must allocate your assets, including Purchase Payments and the Continuation Contribution, if any, to a combination of the Secure Value Account and Variable Portfolios as detailed below. With respect to amounts allocated to the Secure Value Account, the crediting interest rate will never be less than the guaranteed minimum interest rate specified in your contract. The crediting interest rate, once established, will not change for each allocation to the Secure Value Account for the duration of the guarantee period. The guarantee period for the Secure Value Account is a one year period that automatically renews every year from the date of each allocation to the Secure Value Account, unless the Living Benefit has been cancelled. Each allocation to the Secure Value Account may have different crediting interest rates. You may not reallocate your money in the Secure Value Account to a DCA Fixed Account or Fixed Account, if available, or to the Variable Portfolios at any time unless the Living Benefit is cancelled. You may use available DCA Fixed Accounts to invest your target allocations in accordance with the investment requirements. Please see Investment Requirements for Optional Living Benefits in APPENDIX A - INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT for specific investment requirements applicable to your Living Benefit. How do my investment requirements impact my feature and contract? Before you elect a Living Benefit, you should carefully consider whether the investment requirements associated with the Living Benefits meet your investment objectives and risk tolerance. The investment requirements may reduce the need to rely on the guarantees provided by these Living Benefits because they allocate your investment across asset classes and potentially limit exposure to market volatility. As a result, you may have better, or worse, investment returns by allocating your investments more aggressively. Therefore, the investment restrictions reduce the Company’s risk that the contract value will be reduced to zero before the Covered Person(s)’ death. Withdrawals taken while the contract value is greater than zero are withdrawals of the contract owner’s own money. Thus, these investment restrictions would reduce the likelihood that the Company would use its own assets to make payments in connection with the Living Benefit guarantee. You may never need to rely on this protection as the benefit’s value is dependent on your contract’s performance, your withdrawal activity and your longevity. Though the optional Living Benefits offer additional protections, the additional fee associated with the benefits has the impact of reducing the net investment return. Please consult your financial representative regarding which Variable Portfolios are appropriate for the Living Benefit you elected. To be considered in Good Order, your allocation instructions for any Purchase Payment as well as your target allocations if you invest in a DCA Fixed Account must comply with the investment requirements, provided under Investment Requirements for Optional Living Benefits in APPENDIX A - INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT, for the amount not invested in the Secure Value Account. You may not transfer any amounts between the Secure Value Account and the Variable Portfolios or DCA Fixed Accounts. The Secure Value Account may not be used as a target account if you are using the DCA Program to comply with investment requirements. You may not request any specific amount of any withdrawal to be deducted solely from the Secure Value Account. Rather, any withdrawal reduces the amount invested in the Secure Value Account in the same proportion that the withdrawal reduces the contract value. We may revise the investment requirements for any existing contract to the extent that Variable Portfolios are added, deleted, substituted, merged or otherwise reorganized. We will promptly notify you in writing of any changes to the investment requirements due to additions, deletions, substitutions, mergers or reorganizations of the investment options. The required allocation percentage to the Secure Value Account will not change for the life of your contract. Rebalancing and Investment Requirements We will automatically enroll you in the Automatic Asset Rebalancing Program with quarterly rebalancing. If rebalancing instructions are not provided, we will align your rebalancing allocations with your Purchase Payment allocation instructions, or if using a DCA Fixed Account, your target DCA instructions. We require quarterly rebalancing because market performance, transfers, and withdrawal activity may result in your contract’s allocations going outside these requirements. Quarterly rebalancing will ensure that your allocation will continue to comply with the investment requirements for this feature. Automatic transfers and/or systematic withdrawals will not result in rebalancing before the next automatic quarterly rebalancing occurs. The day following any transfer or withdrawal you initiate, we will rebalance in accordance with your most current and compliant Automatic Asset Rebalancing instructions on file. If you do not provide new rebalancing instructions at the time you initiate a transfer, we will update your ongoing rebalancing instructions to reflect the percentage allocations resulting from that transfer (“Default Rebalancing Instructions”) which will replace any previous rebalancing instructions you may have provided. If at any point, for any reason, your rebalancing instructions would result in allocations inconsistent with the investment requirements, we will revert to the last compliant instructions on file. You can modify your rebalancing instructions, as long as they are consistent with the investment requirements, at any time by calling the Annuity Service Center. If we cannot complete automatic rebalancing according to your current instructions due to Variable Portfolio changes (including closures, substitutions, or mergers), we reserve the right to allocate the applicable amounts that would have been transferred to the impacted Variable Portfolio(s) to a money market option available under the contract. Please see AUTOMATIC ASSET REBALANCING PROGRAM above.We will not rebalance amounts in the Secure Value Account or DCA Fixed Accounts under the Automatic Asset Rebalancing Program.What are the factors used to calculate Polaris Income Max? The Lifetime Income offered by Polaris Income Max is calculated by considering the factors described below. First,we determine if the Anniversary Value is the Higher Anniversary Value. The Anniversary Value equals your contract value on any Benefit Year Anniversary. Second,we determine the Income Base which initially is equal to the first Purchase Payment. The Income Base is increased by each Purchase Payment received and is reduced proportionately for any withdrawals taken prior to the Activation Date and Excess Withdrawals taken on or after the Activation Date. Third,we determine the Income Credit Base which is used solely as a basis for calculating the Income Credit prior to the Activation Date. The initial Income Credit Base is equal to the first Purchase Payment. The Income Credit Base is increased by each Purchase Payment received and is reduced proportionately for any withdrawals taken prior to the Activation Date. Fourth, we determine the Income Credit. The Income Credit is equal to the applicable Income Credit Percentage multiplied by the Income Credit Base on each Benefit Year Anniversary, prior to the Activation Date. On or after the Activation Date, the Income Credit will no longer be available. Fifth, we determine the Maximum Annual Withdrawal Percentage, which represents the maximum percentage of the Income Base that can be withdrawn each Benefit Year on or after the Activation Date and while the contract value is greater than zero, without reducing the Income Base. If your contract value is reduced to zero after the Activation Date but your Income Base is greater than zero, the Protected Income Payment Percentage represents the percentage of the Income Base you will receive each Benefit Year thereafter until the death of the Covered Person(s). The Maximum Annual Withdrawal Percentage and Protected Income Payment Percentage are determined by three factors upon the Activation Date: 1) whether there is one or two Covered Person(s); 2) the age of the Covered Person(s); and 3) the Income Option elected. Additionally, if applicable to the Income Option you elect, the Protected Income Payment Percentage may differ depending on whether withdrawals are taken before age 65 and if a new Higher Anniversary Value is achieved on or after the Covered Person(s) 65th birthday. Please see the Rate Sheet Supplement that must accompany this prospectus for the applicable Maximum Annual Withdrawal Percentage, Protected Income Payment Percentage, and Income Credit Percentage. If you need another copy of the prospectus or Rate Sheet Supplement, please call us at the Annuity Service Center at (800) 445-7862 or visit our website at www.corebridgefinancial.com/ProductProspectuses. All Rate Sheet Supplements will be filed with the Securities and Exchange Commission and are available on the EDGAR system at www.sec.gov, file number 333-185762. Sixth, we determine the Maximum Annual Withdrawal Amount, which represents the maximum amount that may be withdrawn each Benefit Year on or after the Activation Date, while the contract value is greater than zero, without reducing the Income Base. The Maximum Annual Withdrawal Amount is calculated by multiplying the Income Base by the applicable Maximum Annual Withdrawal Percentage. If your contract value is reduced to zero after activating Lifetime Income, but your Income Base is greater than zero, the Protected Income Payment is determined by multiplying the Income Base when contract value is reduced to zero by the applicable Protected Income Payment Percentage. Finally, we determine the Excess Withdrawals, if any. Excess Withdrawals are withdrawals taken after the Activation Date that exceed the Maximum Annual Withdrawal Amount in any Benefit Year. An Excess Withdrawal reduces your Income Base on the date the Excess Withdrawal occurs. Any Excess Withdrawal reduces the Income Base in the same proportion by which the contract value is reduced by the Excess Withdrawal. Please see “What are the effects of withdrawals on Polaris Income Max?” below. Please see Appendix D for detailed numerical examples of how your Living Benefit is calculated. What are the factors used to calculate Polaris Income Plus Daily Flex? The Lifetime Income offered by Polaris Income Plus Daily Flex is calculated by considering the factors described below. First, we determine the Step-up Values which are values used to determine the Income Base. The initial Step-up Value is equal to the contract value. Then, on any day that the contract value is greater than the Income Base on that day, the Income Base is stepped up to that value. The Step-up Value is determined daily prior to the Activation Date. Second, we determine the Income Base, which initially is equal to the first Purchase Payment. The Income Base is increased by each subsequent Purchase Payment received, and is reduced proportionately for any withdrawals taken prior to the Activation Date and Excess Withdrawals taken on or after the Activation Date. Third, if you do not activate Lifetime Income before each Benefit Year Anniversary up to the Activation Date, an annual Minimum Income Base Percentage will be applied to Purchase Payments received. Further, any withdrawals taken prior to activating Lifetime Income will proportionately reduce the Purchase Payments used in the calculation of the Minimum Income Base. Fourth, we determine the Maximum Annual Withdrawal Percentage, which represents the maximum percentage of the Income Base that can be withdrawn each Benefit Year on or after the Activation Date and while the contract value is greater than zero, without reducing the Income Base. If your contract value is reduced to zero after the Activation Date but your Income Base is greater than zero, the Protected Income Payment Percentage represents the percentage of the Income Base you will receive each Benefit Year thereafter until the death of the Covered Person(s). The Maximum Annual Withdrawal Percentage and Protected Income Payment Percentage are determined by three factors upon the Activation Date: 1) whether there is one or two Covered Person(s); 2) the age of the Covered Person(s); and 3) the Income Option elected. Additionally, if applicable to the Income Option you elect, the Protected Income Payment Percentage may differ depending on whether withdrawals are taken before age 65 and if a new Higher Anniversary Value is achieved on or after the Covered Person(s) 65th birthday. Please see the Rate Sheet Supplement that must accompany this prospectus for the applicable Minimum Income Base Percentage, Maximum Annual Withdrawal Percentage and Protected Income Payment Percentage. If you need another copy of the prospectus, please call us at the Annuity Service Center at (800) 445-7862 or visit our website at www.corebridgefinancial.com/ProductProspectuses. All Rate Sheet prospectus supplements will be filed with the Securities and Exchange Commission and are available on the EDGAR system at www.sec.gov, file number 333-185762. Fifth, we determine the Maximum Annual Withdrawal Amount, which represents the maximum amount that may be withdrawn each Benefit Year on or after the Activation Date, while the contract value is greater than zero, without reducing the Income Base. The Maximum Annual Withdrawal Amount is calculated by multiplying the Income Base by the applicable Maximum Annual Withdrawal Percentage. If your contract value is reduced to zero after activating Lifetime Income, but your Income Base is greater than zero, the Protected Income Payment is determined by multiplying the Income Base when contract value is reduced to zero by the applicable Protected Income Payment Percentage. Finally, we determine the Excess Withdrawals, if any. Excess Withdrawals are withdrawals taken after the Activation Date that exceed the Maximum Annual Withdrawal Amount in any Benefit Year. An Excess Withdrawal reduces your Income Base on the date the Excess Withdrawal occurs. Any Excess Withdrawal reduces the Income Base in the same proportion by which the contract value is reduced by the Excess Withdrawal. Please see “What are the effects of withdrawals on Polaris Income Plus Daily Flex?” below. Please see Appendix D for detailed numerical examples of how your Living Benefit is calculated.How do increases to the Income Base and Income Credit Base work under Polaris Income Max? On each Benefit Year Anniversary, prior to the Activation Date, the Income Base is automatically increased to the greater of (1) the Higher Anniversary Value; or (2) the current Income Base plus the Income Credit, if any. On each Benefit Year Anniversary prior to the Activation Date, if the Income Base is increased to a Higher Anniversary Value, the Income Credit Base is also automatically increased to that Higher Anniversary Value. The Income Credit Base is not increased if an Income Credit is added to the Income Base. Increases to your Income Base occur on Benefit Year Anniversaries while the contract value is greater than zero. However, Purchase Payments increase your Income Base and Income Credit Base at the time they are received. Since Higher Anniversary Values are determined only on the Benefit Year Anniversaries, your Income Base and Income Credit Base will not increase if your contract value is higher on days other than the Benefit Year Anniversaries. On or After Activation Date, the Maximum Annual Withdrawal Amount is recalculated each time there is an increase in the Income Base. Accordingly, if the sum of withdrawals in any Benefit Year does not exceed the Maximum Annual Withdrawal Amount for that year, the Maximum Annual Withdrawal Amount will not change for the next year unless your Income Base is increased. How do increases to the Income Base work under Polaris Income Plus Daily Flex? Prior to the Activation Date, the Income Base is increased daily to the Step-up Value and by subsequent Purchase Payments, if any. Additionally, prior to the Benefit Year Anniversary, the Income Base will be increased to at least the Minimum Income Base on the Benefit Year Anniversary as a specified percentage of the Purchase Payments. On or after the Activation Date, the Income Base is increased only on the Benefit Year Anniversary by looking back to the Higher Step-up Value since the Activation Date (“first look-back”) or, if one or more Excess Withdrawals have been taken in that Benefit Year, to the Higher Step-up Value since the last Excess Withdrawal. The Income Base will no longer be increased to the Minimum Income Base on the Benefit Year Anniversary on or after the Activation Date. After the first look-back, the Income Base is increased only on the Benefit Year Anniversary by looking back to the Higher Step-up Value since the last Benefit Year Anniversary. If one or more Excess Withdrawals have been taken in that Benefit Year, the Income Base is increased on the Benefit Year Anniversary by looking back to the Higher Step-up Value since the last Excess Withdrawal.What are the effects of withdrawals on Polaris Income Max? The Maximum Annual Withdrawal Amount, the Income Base and the Income Credit Base may change over time as a result of the timing and amount of any withdrawals. Prior to the Activation Date Any withdrawal, including penalty-free withdrawals, in a Benefit Year reduces the Income Base and Income Credit Base on the date the withdrawal occurs and in the same proportion by which the contract value is reduced by the withdrawal. This may result in a lower amount of Lifetime Income when Lifetime Income withdrawals are activated. Additionally, any withdrawal taken will reduce the Income Credit. The reduction to the Income Credit Base will result in a lowered Income Credit amount being applied to the Income Base prior to the Activation Date. In addition, these withdrawals will not lock-in your Maximum Annual Withdrawal Percentage or Protected Income Payment Percentage, if applicable because your Lifetime Income withdrawals have not been activated. On or after the Activation Date Lifetime Income withdrawals during a Benefit Year that in total are less than or equal to the Maximum Annual Withdrawal Amount will not reduce the Income Base. However, if you choose to take less than the Maximum Annual Withdrawal Amount in any Benefit Year, you may not carry over the unused amount for withdrawal in subsequent years. Your Maximum Annual Withdrawal Amount in any year will not be recalculated solely as a result of taking less than the entire Maximum Annual Withdrawal Amount in the prior year. Please note that if you delay taking withdrawals for too long, you may limit the number of remaining years (due to your life expectancy) in which you may take withdrawals. Penalty-Free Withdrawal Amount: Your Lifetime Income is free of withdrawal charges. However, if you take a withdrawal after the Activation Date which is greater than your Lifetime Income, that amount is treated as an Excess Withdrawal. Such withdrawal may be subject to charges and could result in your contract value being reduced to zero which would significantly reduce or eliminate the value of electing a Living Benefit. For example, if you elected a Living Benefit and your Maximum Annual Withdrawal Amount (MAWA) on or after the Activation Date is $6,000 (assuming Maximum Annual Withdrawal Percentage of 6%, $100,000 Income Base and $100,000 Contract Value), your penalty-free withdrawal amount would be $10,000. That means that the $6,000 MAWA for that contract year would not be assessed a withdrawal charge because it is within the penalty-free withdrawal amount and was taken on or after the Activation Date. You may also take up to an additional $4,000 that contract year on or after the Activation Date as a penalty-free withdrawal amount; however, this $4,000 would be considered an Excess Withdrawal under the Living Benefit which proportionally reduces the Income Base and future Maximum Annual Withdrawal Amounts. In the event you take Excess Withdrawals on or after the Activation Date that are greater than your Maximum Annual Withdrawal Amount, your contract value could be reduced to zero. Excess Withdrawals may significantly reduce the value of or terminate the Living Benefit. For example, assume that your contract value is $106,000, your Income Base is $120,000, your Maximum Annual Withdrawal Amount is $6,000, and your Maximum Annual Withdrawal Percentage is 5%. Withdrawals greater than $6,000 would be an Excess Withdrawal. You request a withdrawal of $11,000, of which $5,000 is in excess of your Maximum Annual Withdrawal Amount. Your Income Base will be reduced proportionately to $114,000 as follows: $120,000 x {1 – [($11,000 - $6,000)/ ($106,000 - $6,000)]} = $114,000. The new Maximum Annual Withdrawal Amount will now be 5% of the Income Base: 5% x $114,000 which is $5,700. Excess Withdrawals reduce your Income Base on the date the Excess Withdrawal occurs. Any Excess Withdrawal in a Benefit Year reduces the Income Base in the same proportion by which the contract value is reduced by the amount in excess of the Maximum Annual Withdrawal Amount (“Excess Withdrawal”). As a result of a reduction of the Income Base, the new Maximum Annual Withdrawal Amount will be equal to the reduced Income Base multiplied by the applicable Maximum Annual Withdrawal Percentage. The last recalculated Maximum Annual Withdrawal Amount in a given Benefit Year is available for withdrawal at the beginning of the next Benefit Year and may be lower than the previous Benefit Year’s Maximum Annual Withdrawal Amount. When the contract value is less than the Income Base, Excess Withdrawals will reduce the Income Base by an amount which is greater than the amount of the Excess Withdrawal. The impact of withdrawals on specific factors is further explained below: Maximum Annual Withdrawal Amount: If the sum of withdrawals in any Benefit Year does not exceed the Maximum Annual Withdrawal Amount for that year, the Maximum Annual Withdrawal Amount will not change for the next year unless your Income Base is increased. If you take an Excess Withdrawal, the Maximum Annual Withdrawal Amount will be recalculated by multiplying the reduced Income Base by the existing Maximum Annual Withdrawal Percentage. This recalculated Maximum Annual Withdrawal Amount is available for withdrawal at the beginning of the next Benefit Year and may be lower than your previous Maximum Annual Withdrawal Amount. Protected Income Payment: If the Income Base is greater than zero, but the contract value has been reduced to zero due to unfavorable investment performance, deduction of fees, or withdrawals within the Maximum Annual Withdrawal Amount, we will pay any remaining Maximum Annual Withdrawal Amount for the current Benefit Year. Thereafter, you will receive the Protected Income Payment each year over the remaining lifetime of the Covered Person(s) which is calculated by multiplying the Income Base when contract value is reduced to zero by the applicable Protected Income Payment Percentage. The Income Base is no longer increased on Benefit Year Anniversaries after the contract value has been reduced to zero. As a result, the Protected Income Payment is calculated once and will not change. Please see “What happens if the contract value is reduced to zero while the Income Base is greater than zero?” below. All withdrawals from the contract, including Lifetime Income withdrawals, will reduce your contract value and your death benefit and may impact other provisions of your contract. Unfavorable investment experience and/or fees will also reduce your contract value. Lifetime Income withdrawals are deducted proportionately from each Variable Portfolio and Secure Value Account in which you are invested. Please see ACCESS TO YOUR MONEY above and EXPENSES below. What are the effects of withdrawals on Polaris Income Plus Daily Flex? The Maximum Annual Withdrawal Amount, the Income Base and the Purchase Payment(s) used in the calculation of the Minimum Income Base may change over time as a result of the timing and amount of any withdrawals. Prior to the Activation Date Any withdrawal, including penalty-free withdrawals, in a Benefit Year reduces the Income Base on the date the withdrawal occurs and in the same proportion by which the contract value is reduced by the withdrawal. This may result in a lower amount of Lifetime Income when Lifetime Income withdrawals are activated. Additionally, any withdrawal taken will reduce each Purchase Payment included in the calculation of the Minimum Income Base. The reduction to the Purchase Payment(s) will result in a lowered amount being applied to the Income Base. On or after the Activation Date Lifetime Income withdrawals during a Benefit Year that in total are less than or equal to the Maximum Annual Withdrawal Amount will not reduce the Income Base. However, if you choose to take less than the Maximum Annual Withdrawal Amount in any Benefit Year, you may not carry over the unused amount for withdrawal in subsequent years. Your Maximum Annual Withdrawal Amount in any year will not be recalculated solely as a result of taking less than the entire Maximum Annual Withdrawal Amount in the prior year. Please note that if you delay taking withdrawals for too long, you may limit the number of remaining years (due to your life expectancy) in which you may take withdrawals. Penalty-Free Withdrawal Amount: Your Lifetime Income is free of withdrawal charges. However, if you take a withdrawal after the Activation Date which is greater than your Lifetime Income, that amount is treated as an Excess Withdrawal. Such withdrawal may be subject to charges and could result in your contract value being reduced to zero which would significantly reduce or eliminate the value of electing a Living Benefit. For example, if you elected a Living Benefit and your Maximum Annual Withdrawal Amount (MAWA) on or after the Activation Date is $6,000 (assuming Maximum Annual Withdrawal Percentage of 6%, $100,000 Income Base and $100,000 Contract Value), your penalty-free withdrawal amount would be $10,000. That means that the $6,000 MAWA for that contract year would not be assessed a withdrawal charge because it is within the penalty-free withdrawal amount and was taken on or after the Activation Date. You may also take up to an additional $4,000 that contract year on or after the Activation Date as a penalty-free withdrawal amount; however, this $4,000 would be considered an Excess Withdrawal under the Living Benefit which proportionally reduces the Income Base and future Maximum Annual Withdrawal Amounts. In the event you take Excess Withdrawals on or after the Activation Date that are greater than your Maximum Annual Withdrawal Amount, your contract value could be reduced to zero. Excess Withdrawals may significantly reduce the value of or terminate the Living Benefit. For example, assume that your contract value is $106,000, your Income Base is $120,000, your Maximum Annual Withdrawal Amount is $6,000, and your Maximum Annual Withdrawal Percentage is 5%. Withdrawals greater than $6,000 would be an Excess Withdrawal. You request a withdrawal of $11,000, of which $5,000 is in excess of your Maximum Annual Withdrawal Amount. Your Income Base will be reduced proportionately to $114,000 as follows: $120,000 x {1 – [($11,000 - $6,000)/ ($106,000 - $6,000)]} = $114,000. The new Maximum Annual Withdrawal Amount will now be 5% of the Income Base: 5% x $114,000 which is $5,700. Excess Withdrawals reduce your Income Base on the date the Excess Withdrawal occurs. Any Excess Withdrawal in a Benefit Year reduces the Income Base in the same proportion by which the contract value is reduced by the amount in excess of the Maximum Annual Withdrawal Amount (“Excess Withdrawal”). As a result of a reduction of the Income Base, the new Maximum Annual Withdrawal Amount will be equal to the reduced Income Base multiplied by the applicable Maximum Annual Withdrawal Percentage. The last recalculated Maximum Annual Withdrawal Amount in a given Benefit Year is available for withdrawal at the beginning of the next Benefit Year and may be lower than the previous Benefit Year’s Maximum Annual Withdrawal Amount. When the contract value is less than the Income Base, Excess Withdrawals will reduce the Income Base by an amount which is greater than the amount of the Excess Withdrawal. The impact of withdrawals on specific factors is further explained below: Maximum Annual Withdrawal Amount: If the sum of withdrawals in any Benefit Year does not exceed the Maximum Annual Withdrawal Amount for that year, the Maximum Annual Withdrawal Amount will not change for the next year unless your Income Base is increased. If you take an Excess Withdrawal, the Maximum Annual Withdrawal Amount will be recalculated by multiplying the reduced Income Base by the existing Maximum Annual Withdrawal Percentage. This recalculated Maximum Annual Withdrawal Amount is available for withdrawal at the beginning of the next Benefit Year and may be lower than your previous Maximum Annual Withdrawal Amount. Protected Income Payment: If the Income Base is greater than zero, but the contract value has been reduced to zero due to unfavorable investment performance, deduction of fees, or withdrawals within the Maximum Annual Withdrawal Amount, we will pay any remaining Maximum Annual Withdrawal Amount for the current Benefit Year. Thereafter, you will receive the Protected Income Payment each year over the remaining lifetime of the Covered Person(s) which is calculated by multiplying the Income Base when contract value is reduced to zero by the applicable Protected Income Payment Percentage. The Income Base is no longer increased on Benefit Year Anniversaries after the contract value has been reduced to zero. As a result, the Protected Income Payment is calculated once and will not change. Please see “What happens if the contract value is reduced to zero while the Income Base is greater than zero?” below. Minimum Income Base: If you activate Lifetime Income, the Minimum Income Base will no longer increase on future Benefit Anniversaries. Look-back Periods: If you take one or more Excess Withdrawals in a Benefit Year, the Income Base may be increased on the Benefit Year Anniversary by looking back only to the Higher Step-up Value since the last Excess Withdrawal. This means that if you take an Excess Withdrawal, you lose the opportunity to lock in a potentially higher Step-up Value that may have occurred prior to that Excess Withdrawal during that Benefit Year. All withdrawals from the contract, including Lifetime Income withdrawals, will reduce your contract value and your death benefit and may impact other provisions of your contract. Unfavorable investment experience and/or fees will also reduce your contract value. Lifetime Income withdrawals are deducted proportionately from each Variable Portfolio and Secure Value Account in which you are invested. Please see ACCESS TO YOUR MONEY above and EXPENSES below. How can I change my Income Option Election? You may change your Income Option election on the Activation Date. If you change your Income Option election on the Activation Date, an annualized fee applies. Once Lifetime Income begins, you may not change your Income Option election.What is the fee for Polaris Income Max and Polaris Income Plus Daily Flex? The fee for Polaris Income Max and Polaris Income Plus Daily Flex is calculated as a percentage of the Income Base and deducted from the contract value on a quarterly basis beginning on the first Benefit Quarter Anniversary following the Benefit Effective Date. Please see APPENDIX E - STATE CONTRACT AVAILABILITY AND/OR VARIABILITY for state specific information regarding the assessment of the fee. After the first Benefit Year, on each Benefit Quarter Anniversary, we will (1) deduct the fee in effect for the previous Benefit Quarter; and (2) determine the fee rate applicable to the next Benefit Quarter. In addition, if you change your Income Option on the Activation Date, your annual fee will increase on the next Benefit Quarter Anniversary. Please see fee table below: Polaris Income Max Fee
Polaris Income Plus Daily Flex Fee

Number of Covered Persons	Maximum Annual Fee Rate	Minimum Annual Fee Rate	Maximum Annualized Fee Rate Decrease or Increase Each Benefit Quarter*
One Covered Person	2.50%	0.60%	±0.40%
Two Covered Persons	2.50%	0.60%	±0.40%

*The quarterly fee rate can increase or decrease no more than 0.10% each quarter (0.40%/ 4). If you change your Income Option election on the Activation Date, the quarterly fee rate can increase no more than 0.1625% [(0.40% + 0.25%)/ 4] for the first Benefit Quarter immediately following the Activation Date. Please see the Rate Sheet Supplement that must accompany this prospectus for the applicable initial annual fee rate. If you change your Income Option election on the Activation Date, an annualized fee applies. The fee is calculated as a percentage of the Income Base and deducted from the contract value on a quarterly basis beginning on the first Benefit Quarter Anniversary following the Activation Date:

Lifetime Income Option Change Fee*

0.25%

*The fee is deducted quarterly, and the quarterly fee rate is 0.0625% (0.25%/4). The sum of the Living Benefit feature fee rate and Lifetime Income Option Change fee rate cannot exceed the Maximum Annual Fee Rate stated in the table above. The initial annual fee rate is guaranteed not to change for the first Benefit Year. Subsequently, the fee rate may change quarterly subject to the parameters identified in the table above. Any fee adjustment is based on a non-discretionary formula tied to the change in the Volatility Index (“VIX®”), an index of market volatility reported by the Chicago Board Options Exchange. In general, as the average value of the VIX decreases or increases, your fee rate will decrease or increase accordingly, subject to the minimums and maximums identified in the table above. Should the VIX no longer be appropriate or available, we would substitute the VIX with another measure of market volatility for determining the fee. If we substitute the VIX, we will notify you; however, the maximum and minimum annual fee rates described in this prospectus are guaranteed for the life of your contract. Please see APPENDIX C — FORMULA AND EXAMPLES OF CALCULATIONS OF THE POLARIS INCOME MAX AND POLARIS INCOME PLUS DAILY FLEX FEE. For Polaris Income Max, an increase in the Income Base due to an addition of an Income Credit, attaining a new Higher Anniversary Value or an addition of subsequent Purchase Payments will result in an increase to the amount of the fee you pay since the fee rate is assessed against the Income Base, assuming that the annual fee rate has not decreased as described above. Please note that this means the addition of an Income Credit prior to the Activation Date will lead to paying a higher fee in any given period than without the addition of the Income Credit because the Income Credit may increase the Income Base. You will be assessed a non-refundable fee each quarter regardless of whether you activate Lifetime Income. For Polaris Income Plus Daily Flex, an increase in the Income Base due to attaining a new Step-up Value or an addition of subsequent Purchase Payment(s) will result in an increase to the amount of the fee you pay since the fee rate is assessed against the Income Base, assuming that the annual fee rate has not decreased as described above. If your contract value falls to zero, the fee will no longer be deducted. We will not assess the quarterly fee if you annuitize your contract or if a death benefit is paid before the end of a Benefit Quarter. If the Living Benefit is still in effect while your contract value is greater than zero, and you surrender your contract, we will assess a pro-rata charge for the fee applicable to the Benefit Quarter in which the surrender occurs if you surrender your contract before the end of a Benefit Quarter. The pro-rata fee is calculated by multiplying the fee by the number of days between the date when the prior fee was last assessed and the date of surrender, divided by the number of days between the prior and the next Benefit Quarter Anniversaries.What happens if the contract value is reduced to zero while the Income Base is greater than zero? Prior to the Activation Date,
If the contract value is reduced to zero as a result of any withdrawal, but the Income Base is greater than zero, the contract will be terminated including any optional benefits and features. On or after the Activation Date,
If the contract value is reduced to zero, but the Income Base is greater than zero, we will pay the remaining Maximum Annual Withdrawal Amount for that Benefit Year. Thereafter we will pay the Protected Income Payment over the remaining lifetime of the Covered Person(s). If an Excess Withdrawal reduces your contract value to zero, no further benefits are payable under the contract and your contract along with the Living Benefit will terminate. If your contract value is reduced to zero, you may no longer make transfers, and no death benefit is payable. Therefore, you should be aware that, particularly during times of unfavorable investment performance, Excess Withdrawals taken under the Living Benefit may reduce the contract value to zero, thereby terminating any other benefits of the contract. When the contract value equals zero but the Income Base is greater than zero, to receive any remaining Living Benefit, you must select one of the following: 1.The Protected Income Payment divided equally and paid on a monthly, quarterly, semi-annual or annual frequency as selected by you until the date of death of the Covered Person(s); or 2.Any option mutually agreeable between you and us. Once you elect an option above, it cannot be changed. If you do not select an option above, the remaining benefit will be paid as option 1 above. This amount will be divided equally and paid on a quarterly basis until the date of death of the Covered Person(s). No amount is payable thereafter.

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

2.50%

Polaris Income Plus Daily Flex Living Benefit

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

A guaranteed minimum withdrawal benefit, designed for individuals who want greater investment option flexibility and more frequent step-up opportunities.

2.50%

•May be elected only at time of contract issue•Covered person(s) must be age 45-80 at time of election•Withdrawal percentages depend on the Income Option you elect and the number and age of Covered Person(s) when guaranteed withdrawals are activated•All withdrawals before guaranteed withdrawals are activated may significantly reduce or terminate the benefit•Excess withdrawals after guaranteed withdrawals are activated may significantly reduce or terminate the benefit•Minimum Income Base not available after guaranteed withdrawals are activated•Investment requirements limit available investment options•Purchase Payments subject to additional restrictions•May not be cancelled by you prior to the 5th benefit anniversary•Certain events will automatically terminate the benefit•May not be re-elected or reinstated after termination•May not be available for election through the broker-dealer with which your financial representative is affiliated•The broker-dealer with which your financial representative is affiliated may require you to elect an optional Living Benefit at time of contract issue•Fee may be deducted pro rata from variable portfolios only in certain states. Please see APPENDIX E – STATE CONTRACT AVAILABILITY AND/OR VARIABILITY for specific states.

Polaris Income Plus Daily Flex Living Benefit

Polaris Platinum III (EA) - 333-185762 | Polaris Income Plus Daily Flex Living Benefit | Previously Offered [Member]

Living Benefit Parameter	Polaris Income Max	Polaris Income Plus Daily Flex
This Living Benefit is suitable for the type of investor	Who wants the guarantee of Income Credits prior to the Activation Date	Who wants the greater flexibility of investment options and wants a Living Benefit that provides the ability for the Income Base to step up more frequently to Step-up Values.
Minimum Income Base	N/A	Minimum Income Base: a Minimum Income Base Percentage is applied annually to Purchase Payments received prior to the Activation Date. Any withdrawals taken prior to the Activation Date will proportionately reduce all Purchase Payments used in the calculation of the Minimum Income Base. No further adjustments are made on or after the Activation Date.
Income Credit – Prior to the Activation Date	Income Credit available – the Income Credit Base and Income Base are reduced proportionately for any withdrawals taken prior to the Activation Date	N/A
Income Credit – On or After the Activation Date	N/A	N/A
Frequency of Step-up Values	Annually	Daily
Investment Requirements	20% in Secure Value Account 80% in Variable Portfolios (total of 18 investment options)	10% in Secure Value Account 90% in Variable Portfolios Asset Allocation Portfolios (37 investment options) or 90% in Build Your Own Allocation (76 investment options that cross 12 asset classes)

Number of Covered Persons	Maximum Annual Fee Rate	Minimum Annual Fee Rate	Maximum Annualized Fee Rate Decrease or Increase Each Benefit Quarter*
One Covered Person	2.50%	0.60%	±0.40%
Two Covered Persons	2.50%	0.60%	±0.40%

Lifetime Income Option Change Fee*

0.25%

Polaris Platinum III (EA) - 333-185762 | Return of Purchase Payment Death Benefit

Offered Ending [Date]

Oct. 13, 2020

Optional Benefit Expense (of Other Amount), Maximum [Percent]

0.15%

Return of Purchase Payment Death Benefit

Optional Benefit Expense (of Other Amount), Maximum [Percent]

Provides a death benefit based on the greater of contract value or Net Purchase Payments

0.15%

•May be elected only at time of contract issue•Must be younger than age 86 at time of election•Death benefit calculated differently depending on whether an optional Living Benefit has been elected•Withdrawals may significantly reduce the benefit•May not be available for election through the broker-dealer with which your financial representative is affiliated•The broker-dealer with which your financial representative is affiliated may require you to elect an optional death benefit at time of contract issue

Return of Purchase Payment Death Benefit

Polaris Platinum III (EA) - 333-185762 | Maximum Anniversary Value Death Benefit

Return of Purchase Payment Death Benefit For an additional fee, you may elect the Return of Purchase Payment death benefit described below which can provide greater protection for your beneficiaries. You may only elect the Return of Purchase Payment death benefit at the time you purchase your contract and you cannot change your election thereafter at any time. The annualized fee for the Return of Purchase Payment death benefit is 0.15% of the average daily net asset value allocated to the Variable Portfolios. You may pay for the optional death benefit and your Beneficiary may never receive the benefit once you begin the Income Phase. The Return of Purchase Payment death benefit can only be elected prior to your 86th birthday. The following describes the Return of Purchase Payment death benefit without election of a Living Benefit: The death benefit is the greater of: 1.Contract value; or 2.Net Purchase Payments. The following describes the Return of Purchase Payment death benefit with election of a Living Benefit: The death benefit is the greater of: 1.Contract value; or 2.Purchase Payments reduced by: a.any Withdrawal Adjustments, as defined above, if the Living Benefit has not been terminated; or b.any Withdrawal Adjustments, as defined above, prior to the date the Living Benefit is terminated; and reduced for any withdrawals in the same proportion that the withdrawal reduced the contract value on the date of such withdrawal on or after the date the Living Benefit is terminated. Please see Appendix I for examples of how your death benefit is calculated.

Optional Benefit Expense (of Other Amount), Maximum [Percent]

0.40%

Maximum Anniversary Value Death Benefit

Optional Benefit Expense (of Other Amount), Maximum [Percent]

Provides a death benefit based on the greatest of contract value, Net Purchase Payments, or highest contract value on an eligible contract anniversary

0.40%

•May be elected only at time of contract issue•Must be younger than age 81 at time of election•Death benefit calculated differently depending on whether an optional Living Benefit was elected•Withdrawals may significantly reduce the benefit•May not be available for election through the broker-dealer with which your financial representative is affiliated•The broker-dealer with which your financial representative is affiliated may require you to elect an optional death benefit at time of contract issue

Maximum Anniversary Value Death Benefit

Polaris Platinum III (EA) - 333-185762 | Maximum Anniversary Value Death Benefit | Previously Offered [Member]

Maximum Anniversary Value Death Benefit For an additional fee, you may elect the Maximum Anniversary Value death benefit described below which can provide greater protection for your Beneficiaries. You may only elect the Maximum Anniversary Value death benefit at the time you purchase your contract and you cannot change your election thereafter at any time. The fee for the Maximum Anniversary Value death benefit is 0.40% of the average daily net asset value allocated to the Variable Portfolios. You may pay for the optional death benefit and your Beneficiary may never receive the benefit once you begin the Income Phase. The Maximum Anniversary Value death benefit can only be elected prior to your 81st birthday. The Maximum Anniversary death benefit may not be available through the broker-dealer with which your financial representative is affiliated. Please check with your financial representative for availability and additional restrictions. The following describes the Maximum Anniversary Value death benefit without election of a Living Benefit: The death benefit is the greatest of: 1.Contract value; or 2.Net Purchase Payments; or 3.Maximum anniversary value on any contract anniversary prior to the earlier of your 83rd birthday or date of death, plus Purchase Payments received since that anniversary; and reduced for any withdrawals since that anniversary in the same proportion that the withdrawal reduced the contract value on the date of such withdrawal. The anniversary value for any year is equal to the contract value on the applicable contract anniversary. The following describes the Maximum Anniversary Value death benefit with election of a Living Benefit: The death benefit is the greatest of: 1.Contract value; or 2.Purchase Payments reduced by: a.any Withdrawal Adjustments, if the Living Benefit has not been terminated; or b.any Withdrawal Adjustments, prior to the date the Living Benefit is terminated; and reduced for any withdrawals in the same proportion that the withdrawal reduced the contract value on the date of such withdrawal on or after the date the Living Benefit is terminated; or 3.Maximum anniversary value on any contract anniversary prior to the earlier of your 83rd birthday or date of death and reduced by: a.any Withdrawal Adjustments since that contract anniversary, if the Living Benefit has not been terminated; or b.any Withdrawal Adjustments since that contract anniversary, prior to the date the Living Benefit is terminated; and reduced for any withdrawals in the same proportion that the withdrawal reduced the contract value on the date of such withdrawal on or after the date the Living Benefit is terminated. The anniversary value for any year is equal to the contract value on the applicable anniversary. Please see Appendix I for examples of how your death benefit is calculated.

Optional Benefit Expense (of Other Amount), Maximum [Percent]

0.25%

Offered Ending [Date]

May 01, 2017

Optional Benefit Expense (of Other Amount), Maximum [Percent]

0.25%

Polaris Platinum III (EA) - 333-185762 | Polaris Income Plus Daily Flex One Covered Person

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

2.50%

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

2.50%

Polaris Platinum III (EA) - 333-185762 | Polaris Income Plus Daily Flex One Covered Person | Previously Offered [Member]

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

2.50%

Optional Benefit Expense (of Benefit Base), Current [Percent]

1.25%

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

2.50%

Optional Benefit Expense (of Benefit Base), Current [Percent]

1.25%

Polaris Platinum III (EA) - 333-185762 | Polaris Income Max One Covered Person

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

2.50%

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

2.50%

Polaris Platinum III (EA) - 333-185762 | Polaris Income Plus Daily Flex Two Covered Persons

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

2.50%

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

2.50%

Polaris Platinum III (EA) - 333-185762 | Polaris Income Plus Daily Flex Two Covered Persons | Previously Offered [Member]

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

2.50%

Optional Benefit Expense (of Benefit Base), Current [Percent]

1.25%

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

2.50%

Optional Benefit Expense (of Benefit Base), Current [Percent]

1.25%

Polaris Platinum III (EA) - 333-185762 | Polaris Income Max Two Covered Persons

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

2.50%

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

2.50%

Polaris Platinum III (EA) - 333-185762 | Lifetime Income Option

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

0.25%

5 If you elect Polaris Income Max or Polaris Income Plus Daily Flex and you change your Income Option on the Activation Date, the Lifetime Income Option Change Fee will be assessed and deducted from your contract value starting on the first Benefit Quarter Anniversary following the Activation Date and quarterly thereafter. The fee is calculated as a percentage of the Income Base. The sum of the Living Benefit fee and Lifetime Income Option Change fee cannot exceed the Maximum Annual Fee shown in the Optional Living Benefits fee table.

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

0.25%

Polaris Platinum III (EA) - 333-185762 | optional Polaris Income Plus Daily feature

Surrender Expense, 1 Year, Maximum [Dollars]

$ 12,560

Surrender Expense, 1 Year, Minimum [Dollars]

9,607

Surrender Expense, 3 Years, Maximum [Dollars]

23,424

Surrender Expense, 3 Years, Minimum [Dollars]

11,051

Surrender Expense, 5 Years, Maximum [Dollars]

29,535

Surrender Expense, 5 Years, Minimum [Dollars]

12,732

Surrender Expense, 10 Years, Maximum [Dollars]

57,706

Surrender Expense, 10 Years, Minimum [Dollars]

19,085

Annuitized Expense, 1 Year, Maximum [Dollars]

4,560

Annuitized Expense, 1 Year, Minimum [Dollars]

1,607

Annuitized Expense, 3 Years, Maximum [Dollars]

17,424

Annuitized Expense, 3 Years, Minimum [Dollars]

5,051

Annuitized Expense, 5 Years, Maximum [Dollars]

29,535

Annuitized Expense, 5 Years, Minimum [Dollars]

8,732

Annuitized Expense, 10 Years, Maximum [Dollars]

57,706

Annuitized Expense, 10 Years, Minimum [Dollars]

19,085

No Surrender Expense, 1 Year, Maximum [Dollars]

4,560

No Surrender Expense, 1 Year, Minimum [Dollars]

1,607

No Surrender Expense, 3 Years, Maximum [Dollars]

17,424

No Surrender Expense, 3 Years, Minimum [Dollars]

5,051

No Surrender Expense, 5 Years, Maximum [Dollars]

29,535

No Surrender Expense, 5 Years, Minimum [Dollars]

8,732

No Surrender Expense, 10 Years, Maximum [Dollars]

57,706

No Surrender Expense, 10 Years, Minimum [Dollars]

19,085

Polaris Platinum III (EA) - 333-185762 | optional Polaris Income Plus Daily Flex feature

Surrender Expense, 1 Year, Maximum [Dollars]

12,168

Surrender Expense, 1 Year, Minimum [Dollars]

9,607

Surrender Expense, 3 Years, Maximum [Dollars]

21,961

Surrender Expense, 3 Years, Minimum [Dollars]

11,051

Surrender Expense, 5 Years, Maximum [Dollars]

31,543

Surrender Expense, 5 Years, Minimum [Dollars]

12,732

Surrender Expense, 10 Years, Maximum [Dollars]

55,599

Surrender Expense, 10 Years, Minimum [Dollars]

19,085

Annuitized Expense, 1 Year, Maximum [Dollars]

4,168

Annuitized Expense, 1 Year, Minimum [Dollars]

1,607

Annuitized Expense, 3 Years, Maximum [Dollars]

15,961

Annuitized Expense, 3 Years, Minimum [Dollars]

5,051

Annuitized Expense, 5 Years, Maximum [Dollars]

27,543

Annuitized Expense, 5 Years, Minimum [Dollars]

8,732

Annuitized Expense, 10 Years, Maximum [Dollars]

55,599

Annuitized Expense, 10 Years, Minimum [Dollars]

19,085

No Surrender Expense, 1 Year, Maximum [Dollars]

4,168

No Surrender Expense, 1 Year, Minimum [Dollars]

1,607

No Surrender Expense, 3 Years, Maximum [Dollars]

15,961

No Surrender Expense, 3 Years, Minimum [Dollars]

5,051

No Surrender Expense, 5 Years, Maximum [Dollars]

27,543

No Surrender Expense, 5 Years, Minimum [Dollars]

8,732

No Surrender Expense, 10 Years, Maximum [Dollars]

55,599

No Surrender Expense, 10 Years, Minimum [Dollars]

$ 19,085

Polaris Platinum III (EA) - 333-185762 | Beneficiary Continuation Programs

Polaris Platinum III (EA) - 333-185762 | Death Benefit Defined Terms

Beneficiary Continuation Programs Please consult a tax adviser regarding tax implications about your particular circumstances if you are considering a Beneficiary Continuation option. Extended Legacy Program The Beneficiary to an existing contract issued by the Company may elect the Extended Legacy Program. The program may not be elected in conjunction with any other settlement option. Upon election of the Extended Legacy Program: •The contract continues in Owner’s name for the benefit of the Beneficiary who elected the Extended Legacy Program. •The Beneficiary may withdraw all or a portion of the contract value at any time and withdrawals are not subject to withdrawal charges. •The Beneficiary may choose to participate in the Systematic Withdrawal Program and the Automatic Asset Rebalancing Program. Upon election of the Extended Legacy Program, the beneficiary may choose to receive the death benefit under (1) a 5-year settlement option or (2) in the form of withdrawals for a longer period of time: Under the 5-year settlement option, the Beneficiary may take withdrawals as desired, but the death benefit proceeds must be distributed no later than five years from the date of death of the Owner of the contract. Note: If an IRA Owner died prior to January 1, 2020, the 5-year settlement option is not available if the date of the Owner's death occurred after the required beginning date for distributions. If the beneficiary elects to take the death benefit in the form of withdrawals over a longer period of time: •Generally, IRS required minimum distributions must be made at least annually over a period not to exceed the Beneficiary’s life expectancy as determined in the calendar year after the Owner’s death, with the flexibility to withdraw more than the IRS required minimum distribution. •Payments must begin no later than the first anniversary of death for Non-Qualified contracts or December 31 of the year following the year of death for IRAs. Note: for IRAs, if the Owner’s death occurred on or after January 1, 2020, choosing to receive the death benefit in the form of withdrawals for a longer period of time is only available for a Spousal Beneficiary or a Non-Spousal Beneficiary who is less than 10 years younger than the IRA Owner. Other Non-Spousal Beneficiaries may instead elect the 5-year settlement option, if available. If the contract value is less than the death benefit amount as of the date we receive satisfactory proof of death and all required documentation in Good Order, we will increase the contract value by the amount which the death benefit exceed contract value.

We will process an Extended Legacy election as of the

date we receive the following in Good Order at the Annuity

Service Center:

•Death Claim form electing Extended Legacy

Program; and

•Satisfactory proof of death of the original Owner.

Upon the Beneficiary’s request to our Annuity Service Center, we will provide a prospectus and Extended Legacy Guide, with important information including expenses, investment options and administrative features. The prospectus that the Beneficiary will receive may be for a different product than the original Owner purchased. The Extended Legacy Guide includes important information regarding the program offered to Beneficiaries on or after September 20, 2010. Restrictions on Extended Legacy Program •The Extended Legacy Program cannot be elected with rollover contracts from other companies. •No Purchase Payments are permitted. •Living Benefits and optional death benefits that may have been elected by the original Owner are not available and any charges associated with these features will no longer be deducted. •In the event of the Beneficiary’s death, any remaining contract value will be paid to the person(s) named by the Beneficiary. •The contract may not be assigned and ownership may not be changed or jointly owned. •Any Fixed Accounts and/or DCA Fixed Accounts that may have been available to the original Owner will no longer be available for investment. Expenses We will charge the Beneficiary an annual Base Contract Expense of 1.15%. This charge is deducted daily from the average daily ending net asset value allocated to the Variable Portfolios. Beneficiaries that elected the Extended Legacy Program prior to September 20, 2010 will continue to be charged the same Base Contract Expense as described below under BASE CONTRACT EXPENSES. Investment Options •The Beneficiary may transfer funds among the available Variable Portfolios; •Variable Portfolios may differ from those available to the original Owner; •Variable Portfolios may be of a different share class subject to higher 12b-1 fees; and •Beneficiaries that elected the Extended Legacy Program prior to September 20, 2010 will continue to be offered the same Variable Portfolios as the original Owner.Inherited Account Program The Inherited Account Program, if available, can allow a Beneficiary of another company’s annuity contract to transfer their inherited Non-Qualified deferred annuity or certain Beneficiaries to transfer their inherited IRA to fund a new contract issued by the Company. •The Beneficiary of the transferred contract becomes the Owner (as the Beneficiary of the deceased) of the contract issued by us. •The Internal Revenue Code requires minimum distributions from inherited IRAs and inherited Non-Qualified deferred annuity contracts. •Once the contract is issued, a Systematic Withdrawal Program must be established and cannot be terminated. •Upon your death, your designated Beneficiary will receive the Contract Value death benefit, unless you elect an optional death benefit at contract issue, for an additional fee.

We will process an Inherited Account election as of the

date we receive the following at the Annuity Service

Center:

•Inherited Account and Required Minimum

Distribution Election Form; and

•New contract application

Restrictions on Inherited Account Program •No Purchase Payments are permitted after the contract has been issued. •Optional Living Benefits cannot be elected under the Inherited Account Program. •The contract may not be assigned and ownership may not be changed or jointly owned. Expenses The contract issued is subject to the same fees and charges applicable to any Owner of the contract, including withdrawal charges if applicable. Investment Options All Variable Portfolios and available Fixed Accounts offered by the contract are available for investment. You may transfer funds among the investment options.

Polaris Platinum III (EA) - 333-185762 | Spousal Continuation

Death Benefit Defined Terms The term “Net Purchase Payment” is used frequently in describing the death benefit payable. Net Purchase Payment is an on-going calculation. It does not represent a contract value. We determine Net Purchase Payments as Purchase Payments less adjustments for withdrawals. Net Purchase Payments are increased by the amount of subsequent Purchase Payments, if any, and reduced for withdrawals, if any, in the same proportion that the contract value was reduced on the date of such withdrawal. The term “Withdrawal Adjustment” is used, if you have elected a Living Benefit, to describe the way in which the amount of the death benefit will be adjusted for withdrawals depending on when you take a withdrawal and the amount of the withdrawal. Prior to the Activation Date: Any withdrawal taken reduces the death benefit proportionately by the percentage by which each withdrawal reduced the contract value. On or after the Activation Date: Any withdrawal taken reduces the death benefit as follows:

Withdrawal taken:	Withdrawal Amount
	Up to MAWA	In Excess of MAWA
Before your 81st birthday	By the dollar amount which equals each withdrawal taken	Proportionately by the percentage by which Excess Withdrawal reduced the contract value
On or after your 81st birthday	Proportionately by the percentage that withdrawals reduced the contract value

•If cumulative Lifetime Income withdrawals for the current contract year are taken prior to your 81st birthday and are less than or equal to the Maximum Annual Withdrawal Amount, the amount of adjustment will equal the amount of each Lifetime Income withdrawal. •If cumulative Lifetime Income withdrawals for the current contract year are taken prior to your 81st birthday and are in excess of the Maximum Annual Withdrawal Amount, the contract value and the death benefit are first reduced by the Maximum Annual Withdrawal Amount. The resulting death benefit is further adjusted by the withdrawal amount in excess of the Maximum Annual Withdrawal Amount (Excess Withdrawal) by the percentage by which the Excess Withdrawal reduced the resulting contract value. •Any Lifetime Income withdrawal taken on or after your 81st birthday, the amount of adjustment is determined by the percentage by which each Lifetime Income withdrawal reduced the contract value.The term “withdrawals” as used in describing the death benefit options is defined as withdrawals and the fees and charges applicable to those withdrawals.The Company does not accept Purchase Payments from anyone age 86 or older. Therefore, the death benefit calculations assume that no Purchase Payments are received on or after your 86th birthday. We will not accept subsequent Purchase Payments on or after the first contract anniversary if you have elected a Living Benefit feature.

Polaris Platinum III (EA) - 333-185762 | Optional Living Benefits

Spousal Continuation The Continuing Spouse may elect to continue the contract after your death. A spousal continuation can only take place once, upon the death of the original Owner of the contract. Upon election of Spousal Continuation: •Generally, the contract, its benefits and elected features, if any, remain the same. •Continuing Spouse is subject to the same fees, charges and expenses applicable to the original Owner of the contract. Please see EXPENSES. •Continuing Spouse may not terminate the Return of Purchase Payment death benefit or the Maximum Anniversary Value death benefit if elected at contract issue. •Continuing Spouse will be subject to the investment risk of Variable Portfolios, as was the original Owner. Non-spousal joint Owners (including Domestic Partners) are not eligible for spousal continuation, under current tax law. Upon a spousal continuation, we will contribute to the contract value an amount by which the death benefit that would have been paid to the Beneficiary upon the death of the original Owner, exceeds the contract value as of the Good Order date (“Continuation Contribution”), if any. The Continuation Contribution is not considered a Purchase Payment for the purposes of any other calculations except the death benefit following the Continuing Spouse’s death.

We will process a spousal continuation as of the date we

receive the following at the Annuity Service Center:

•Death Claim form; and

•Satisfactory proof of death of the original Owner.

We will add any Continuation Contribution as of the date we receive both the Continuing Spouse’s written request to continue the contract and satisfactory proof of death of the original Owner (“Continuation Date”) at the Annuity Service Center. The age of the Continuing Spouse on the Continuation Date will be used to determine any future death benefits under the contract. If you elected the Return of Purchase Payment death benefit or the Maximum Anniversary Value death benefit, the death benefit payable upon the Continuing Spouse’s death would differ depending on the Continuing Spouse’s age on the Continuation Date. Please see APPENDIX B – DEATH BENEFITS FOLLOWING SPOUSAL CONTINUATION for a discussion of the death benefit calculations upon a Continuing Spouse’s death.Please see APPENDIX K – DEATH BENEFITS AND SPOUSAL CONTINUATION FOR CONTRACTS ISSUED BETWEEN MAY 1, 2017 AND APRIL 30, 2019 and APPENDIX G – DEATH BENEFITS AND SPOUSAL CONTINUATION DEATH BENEFITS FOR CONTRACTS ISSUED PRIOR TO MAY 1, 2017 for details regarding those benefits.Please see OPTIONAL LIVING BENEFITS above for information on the effect of Spousal Continuation on these benefits.

3 The fee is calculated as a percentage of the Income Base which determines the basis of the guaranteed benefit. The annual fee is deducted from your contract value at the end of the first quarter following election and quarterly thereafter. For a complete description of how the Income Base is calculated, please see OPTIONAL LIVING BENEFITS.4 The current initial annual fee rate is set forth in the Rate Sheet Supplement and is guaranteed not to change for the first Benefit Year. Subsequently, the fee rate may change quarterly subject to the parameters identified in the table below. Any fee adjustment is based on a non-discretionary formula tied to the change in the Volatility Index (“VIX®”), an index of market volatility reported by the Chicago Board Options Exchange. In general, as the average value of the VIX decreases or increases, your fee rate will decrease or increase accordingly, subject to the maximums identified in the Fee Table and the minimums described below. Please see APPENDIX C — FORMULA AND EXAMPLES OF CALCULATIONS OF THE POLARIS INCOME MAX AND POLARIS INCOME PLUS DAILY FLEX FEE. If you purchased your contract prior to May 1, 2023, please see APPENDIX F — LIVING BENEFITS FOR CONTRACTS ISSUED PRIOR TO MAY 1, 2023 for the initial annual fee rate applicable to your contract. If your contract was purchased on or after May 1, 2023, please see APPENDIX L - LIVING BENEFIT RATES FOR CONTRACTS ISSUED ON OR AFTER MAY 1, 2023 (EXCEPT IN NEW YORK).

Number of Covered Persons	Minimum Annual Fee Rate	Maximum Annualized Fee Rate Decrease or Increase Each Benefit Quarter*
One Covered Person	0.60%	±0.40%
Two Covered Persons	0.60%	±0.40%

Polaris Platinum III (EA) - 333-185762 | Fixed Account Option

3 The fee is calculated as a percentage of the Income Base which determines the basis of the guaranteed benefit. The annual fee is deducted from your contract value at the end of the first quarter following election and quarterly thereafter. For a complete description of how the Income Base is calculated, please see OPTIONAL LIVING BENEFITS.4 The current initial annual fee rate is set forth in the Rate Sheet Supplement and is guaranteed not to change for the first Benefit Year. Subsequently, the fee rate may change quarterly subject to the parameters identified in the table below. Any fee adjustment is based on a non-discretionary formula tied to the change in the Volatility Index (“VIX®”), an index of market volatility reported by the Chicago Board Options Exchange. In general, as the average value of the VIX decreases or increases, your fee rate will decrease or increase accordingly, subject to the maximums identified in the Fee Table and the minimums described below. Please see APPENDIX C — FORMULA AND EXAMPLES OF CALCULATIONS OF THE POLARIS INCOME MAX AND POLARIS INCOME PLUS DAILY FLEX FEE. If you purchased your contract prior to May 1, 2023, please see APPENDIX F — LIVING BENEFITS FOR CONTRACTS ISSUED PRIOR TO MAY 1, 2023 for the initial annual fee rate applicable to your contract. If your contract was purchased on or after May 1, 2023, please see APPENDIX L - LIVING BENEFIT RATES FOR CONTRACTS ISSUED ON OR AFTER MAY 1, 2023 (EXCEPT IN NEW YORK).

Number of Covered Persons	Minimum Annual Fee Rate	Maximum Annualized Fee Rate Decrease or Increase Each Benefit Quarter*
One Covered Person	0.60%	±0.40%
Two Covered Persons	0.60%	±0.40%

Fixed Option Available, Name

1-Year Fixed Account

Fixed Option Available, Minimum Guaranteed Interest Rate [Percent]

1 year

1.00%

Polaris Platinum III (EA) - 333-185762 | Dollar Cost Averaging Fixed Account

Fixed Option Available, Name

Dollar Cost Averaging Fixed Account

Fixed Option Available, Minimum Guaranteed Interest Rate [Percent]

6 months

1.00%

Polaris Platinum III (EA) - 333-185762 | Dollar Cost Averaging Fixed Account | Point To Point 1 Year

Polaris Platinum III (EA) - 333-185762 | Dollar Cost Averaging Fixed Account | Point To Point 2 Year

12 months

Polaris Platinum III (EA) - 333-185762 | Secure Value Account

2 years

Fixed Option Available, Name

Secure Value Account**

Fixed Option Available, Minimum Guaranteed Interest Rate [Percent]

1 year

1.00%

Polaris Platinum III (EA) - 333-185762 | Risk of Loss [Member]

Yes. You can lose money by investing in this contract, including possible loss of your principal investment.

Polaris Platinum III (EA) - 333-185762 | Not Short Term Investment Risk [Member]

No.•This contract is not designed for short-term investing and may not be appropriate for an investor who needs ready access to cash. As such, you should not use the contract as a short-term investment or savings vehicle.•Charges may apply to withdrawals. Withdrawal charges could significantly reduce the value of your investment or the amount that you receive upon taking a withdrawal. Withdrawals may also reduce or terminate contract guarantees and may also be subject to state and federal income taxes and tax-penalties.•The benefits of tax deferral, long-term income, and optional Living Benefit guarantees mean that this contract is generally more beneficial to investors with a long investment time horizon.

Polaris Platinum III (EA) - 333-185762 | Investment Options Risk [Member]

Short-Term Investment Risk. This contract is not designed for short-term investing and may not be appropriate for an investor who needs ready access to cash. The benefits of tax deferral, long-term income, and Living Benefit protections mean that this contract is more beneficial to investors with a long investment time horizon.

Polaris Platinum III (EA) - 333-185762 | Early Withdrawal Risk [Member]

An investment in this contract is subject to the risk of poor investment performance and can vary depending on the performance of the investment options available under the contract.•Each investment option (including each Fixed Account option) has its own unique risks.•You should review the available investment options before making an investment decision.

Polaris Platinum III (EA) - 333-185762 | Insurance Company Risk [Member]

Early Withdrawal Risk. This contract is not designed for short-term investing and may not be appropriate for an investor who needs ready access to cash. You should carefully consider the risks associated with withdrawals under the contract. Withdrawals may be subject to significant withdrawal charges. If you make a withdrawal prior to age 59½, there may be adverse tax consequences, including a 10% IRS penalty tax. A withdrawal may reduce the value of your standard and optional benefits. For instance, a withdrawal will reduce the value of the death benefit. In addition, a withdrawal could reduce the value of an optional Living Benefit by an amount greater than the amount withdrawn and could result in termination of the benefit. A total withdrawal (surrender) will result in the termination of your contract. We may defer payment of withdrawals from a Fixed Account option (including the Secure Value Account) for up to six months when permitted by law. If you make a withdrawal within the first seven years (or the first four years for contracts with Early Access Feature), you may be assessed a Withdrawal Charge of up to 8% as a percentage of the payment amount withdrawn.

Polaris Platinum III (EA) - 333-185762 | Variable Portfolio Risk

An investment in the contract is subject to the risks related to us, American General Life Insurance Company. Any obligations (including under a Fixed Account option), guarantees, and benefits of the contract are subject to our claims-paying ability An Owner should look solely to our financial strength for our claims-paying ability. More information about the Company, including our financial strength ratings, may be obtained at https://investors.corebridgefinancial.com/financials/Ratings/default.aspx.

Polaris Platinum III (EA) - 333-185762 | Selection Risk

Variable Portfolio Risk. Amounts that you invest in the Variable Portfolios are subject to the risk of poor investment performance. You assume the investment risk. You can gain or lose money if you invest in these Variable Portfolios. Each Variable Portfolio’s performance depends on the performance of its Underlying Fund. Each Underlying Fund has its own investment risks, and you are exposed to the Underlying Fund’s investment risks when you invest in a Variable Portfolio. You are responsible for allocating Purchase Payments to the Variable Portfolios that are appropriate for you based on your own individual circumstances, investment goals, financial situation, and risk tolerance. You bear the risk of any decline in contract value resulting from the performance of the Variable Portfolio you have selected. In making your investment selections, you should investigate all information available to you including the Underlying Fund’s prospectus, statement of additional information and annual and semi-annual reports. We do not provide investment advice, nor do we recommend or endorse any particular Underlying Fund.

Polaris Platinum III (EA) - 333-185762 | Investment Requirements Risk

Selection Risk. The optional benefits under the contract were designed for different financial goals and to protect against different financial risks. There is a risk that you may not choose, or may not have chosen, the benefit or benefits (if any) that are best suited for you based on your present or future needs and circumstances, and the benefits that are more suited for you (if any) may no longer be available. In addition, if you elected an optional benefit and do not use it, or if the contingencies upon which the benefit depend never occur, you will have paid for a benefit that you may not use or benefit from.

Polaris Platinum III (EA) - 333-185762 | Availability of Variable Portfolios Risk

Investment Requirements Risk. If you elect an optional Living Benefit, you will be subject to investment requirements that limit the investment options that are available to you and limit your ability to take certain actions under the contract. These investment requirements are designed to reduce our risk that we will have to make payments to you from our own assets. In turn, they may also limit the potential growth of your contract value and the potential growth of your guaranteed benefits.

Polaris Platinum III (EA) - 333-185762 | Managed Volatility Fund Risk

Availability of Variable Portfolios Risk. We may, subject to any applicable law, make certain changes to the Variable Portfolios offered in your contract. We may offer new Variable Portfolios or stop offering existing Variable Portfolios. Variable Portfolios may be closed to new or subsequent Purchase Payments, transfers, or allocations. In addition, we may also liquidate shares of one Underlying Fund held by a Variable Portfolio for another and/or merge Variable Portfolios or cooperate in a merger of Underlying Funds. New Variable Portfolios may have different performance characteristics. There is no guarantee that a particular Variable Portfolio will always be available as an investment option under the contract.

Polaris Platinum III (EA) - 333-185762 | Purchase Payment Risk

Managed Volatility Fund Risk. Certain Underlying Funds, including some Underlying Funds that are available under certain optional Living Benefits’ investment requirements, utilize managed volatility strategies. These risk management techniques help us manage our financial risks associated with the contract’s guarantees, like living and death benefits, because they reduce the incidence of extreme outcomes including the probability of large gains or losses. However, these strategies can also limit your participation in rising equity markets, which may limit the potential growth of your contract value and the potential growth of your guaranteed benefits.

Polaris Platinum III (EA) - 333-185762 | Minimum Contract Value Risk

Purchase Payment Risk. Your ability to make subsequent Purchase Payments is subject to certain restrictions. We reserve the right to refuse any Purchase Payment(s), limit the amount of subsequent Purchase Payment(s) with advance notice based on age as shown below and election of optional benefit(s), and may require our prior approval before accepting Purchase Payments greater than the Purchase Payments Limit as defined in the Glossary. There is no guarantee that you will always be permitted to make Purchase Payments.

Polaris Platinum III (EA) - 333-185762 | Financial Strength and Claims Paying Ability Risk

Minimum Contract Value Risk. Where permitted by state law, we may terminate your contract if your contract value is less than $2,500 as a result of withdrawals and/or fees and charges. We will provide you with 60 days written notice that your contract is being terminated. At the end of the notice period, we will distribute the contract’s remaining value to you.

Polaris Platinum III (EA) - 333-185762 | Business Disruption Risk

Financial Strength and Claims-Paying Ability Risk. All guarantees under the contract that are paid from our general account (including under any Fixed Account option) are subject to our financial strength and claims-paying ability.

Polaris Platinum III (EA) - 333-185762 | Cybersecurity Risk

Business Disruption. Our business is vulnerable to disruptions from natural and man-made disasters and catastrophes, such as, but not limited to, hurricanes, windstorms, flooding, earthquakes, wildfires, solar storms, war or other military action, acts of terrorism, explosions and fires, pandemics (such as COVID-19) and other highly contagious diseases, mass torts, failure of telecommunications or other critical infrastructure and other catastrophes. A natural or man-made disaster or catastrophe may negatively affect the computer and other systems on which we rely, including service outages or other unavailability, may interfere with our ability to receive, pickup and process mail, to calculate Accumulation Unit Values (“AUVs”), process other contract-related transactions, or to otherwise provide our services, or may have other possible negative impacts. While we have developed and put in place what we believe to be appropriate business continuity and disaster recovery plans and procedures to mitigate operational risks and potential losses related to business disruptions resulting from natural and man-made disasters and catastrophes, there can be no assurance that we, our agents, the Underlying Funds or our service providers will be able to successfully avoid negative impacts resulting from such disasters and catastrophes.