Polaris Platinum III (EA) - 333-185762 Contract Value Death Benefit Dollar Cost Averaging DCA Fixed Accounts Dollar Cost Averaging DCA Program Automatic Asset Rebalancing Systematic Withdrawal Program Automatic Payment Plan Polaris Income Max Living Benefit Polaris Income Plus Daily Flex Living Benefit Return of Purchase Payment Death Benefit Maximum Anniversary Value Death Benefit Franklin Allocation VIP Fund Class 2 Franklin Income VIP Fund Class 2 SA Allocation Aggressive Portfolio Class 3 SA Allocation Balanced Portfolio Class 3 SA Allocation Moderate Portfolio Class 3 SA Allocation Moderately Aggressive Portfolio Class 3 SA American Funds Asset Allocation Portfolio Class 3 SA BlackRock Multi Factor 70 30 Portfolio Class 3 SA Franklin Allocation Moderately Aggressive Portfolio Class 3 SA Franklin Tactical Opportunities Portfolio Class 3 SA Global Index Allocation 60 40 Portfolio Class 3 SA Global Index Allocation 75 25 Portfolio Class 3 SA Global Index Allocation 90 10 Portfolio Class 3 SA Goldman Sachs Multi Asset Insights Portfolio Class 3 SA Index Allocation 60 40 Portfolio Class 3 SA Index Allocation 80 20 Portfolio Class 3 SA Index Allocation 90 10 Portfolio Class 3 SA JPMorgan Diversified Balanced Portfolio Class 3 SA MFS Total Return Portfolio Class 3 SA T Rowe Price Allocation Moderately Aggressive Portfolio Class 3 SA Wellington Strategic Multi Asset Portfolio Class 3 PIMCO Emerging Markets Bond Portfolio Advisor Class PIMCO Total Return Portfolio Advisor Class SA American Century Inflation Managed Portfolio Class 3 SA Federated Hermes Corporate Bond Portfolio Class 3 SA Fixed Income Index Portfolio Class 3 SA Fixed Income Intermediate Index Portfolio Class 3 SA Goldman Sachs Government and Quality Bond Portfolio Class 3 SA JPMorgan MFS Core Bond Portfolio Class 3 SA JPMorgan Ultra-Short Bond Portfolio Class 3 SA PIMCO Global Bond Opportunities Portfolio Class 3 SA PineBridge High Yield Bond Portfolio Class 3 Goldman Sachs VIT Government Money Market Fund Service Shares Invesco VI American Franchise Fund Series II Invesco VI Comstock Fund Series II Invesco VI Growth and Income Fund Series II Lord Abbett Growth and Income Portfolio Class VC SA AB Growth Portfolio Class 3 SA AB Small Mid Cap Value Portfolio Class 3 SA American Funds Global Growth Portfolio Class 3 SA American Funds Growth Portfolio Class 3 SA American Funds Growth Income Portfolio Class 3 SA BlackRock Advantage International Portfolio Class 3 SA Emerging Markets Equity Index Portfolio Class 3 SA Fidelity Institutional AM Global Equities Portfolio Class 3 SA Fidelity Institutional AM International Growth Portfolio Class 3 SA Fidelity Institutional AM Real Estate Portfolio Class 3 SA Franklin BW US Large Cap Value Portfolio Class 3 SA Franklin Small Company Value Portfolio Class 3 SA Franklin Systematic US Large Cap Core Portfolio Class 3 SA Franklin Systematic US Large Cap Value Portfolio Class 3 SA International Index Portfolio Class 3 SA Invesco Growth Opportunities Portfolio Class 3 SA Janus Focused Growth Portfolio Class 3 SA JPMorgan Emerging Markets Portfolio Class 3 SA JPMorgan Equity Income Portfolio Class 3 SA JPMorgan Large Cap Core Portfolio Class 3 SA JPMorgan Mid Cap Growth Portfolio Class 3 SA Large Cap Growth Index Portfolio Class 3 SA Large Cap Index Portfolio Class 3 SA Large Cap Value Index Portfolio Class 3 SA MFS Large Cap Growth Portfolio Class 3 SA MFS Massachusetts Investors Trust Portfolio Class 3 SA Mid Cap Index Portfolio Class 3 SA PIMCO RAE International Value Portfolio Class 3 SA Putnam International Value Portfolio Class 3 SA Small Cap Index Portfolio Class 3 SA Wellington Capital Appreciation Portfolio Class 3 SA American Funds VCP Managed Allocation Portfolio Class 3 SA Schroders VCP Global Allocation Portfolio Class 3 SA T Rowe Price VCP Balanced Portfolio Class 3 SA VCP Dynamic Allocation Portfolio Class 3 SA VCP Dynamic Strategy Portfolio Class 3 SA VCP Index Allocation Portfolio Class 3 Fixed Account Option Dollar Cost Averaging Fixed Account Secure Value Account Polaris Income Plus Daily Flex One Covered Person Polaris Income Max One Covered Person Polaris Income Plus Daily Flex Two Covered Persons Polaris Income Max Two Covered Persons Lifetime Income Option optional Polaris Income Plus Daily feature optional Polaris Income Plus Daily Flex feature Beneficiary Continuation Programs Death Benefit Defined Terms Spousal Continuation Point To Point 1 Year Point To Point 2 Year Optional Living Benefits Variable Portfolio Risk Selection Risk Investment Requirements Risk Availability of Variable Portfolios Risk Managed Volatility Fund Risk Purchase Payment Risk Minimum Contract Value Risk Financial Strength and Claims Paying Ability Risk Business Disruption Risk Cybersecurity Risk