Variable Universal Life Defender | Portfolio Risks

Sub-Account Investment Risk. Your Accumulation Value under the Policy, to the extent invested in the Sub-Accounts of the Variable Account, has no guaranteed minimum value. Therefore, you bear the risk that any adverse investment performance in the Sub-Accounts may reduce your Accumulation Value under the Policy. You are also subject to the risk that the investment performance of the Sub-Accounts you select may be less favorable than that of other Sub-Accounts, and in order to keep the Policy in force you may be required to pay more premiums than originally planned. Additionally, you could lose money you have invested in the Policy due to poor investment performance of the Sub-Accounts. The Policy also offers you the opportunity to have your Accumulation Value increase more rapidly than it would under comparable fixed life insurance by virtue of favorable investment performance. The Death Benefit may also increase and decrease with investment experience.

Variable Universal Life Defender | Risks Associated with Certain Funds

Portfolio Risks. There is no assurance that any Portfolio will achieve its stated investment objective. A comprehensive discussion of the risks of each Portfolio may be found in each Portfolio’s prospectus. Please refer to the Portfolios’ prospectuses for more information. The amounts you invest in a particular Portfolio are not guaranteed and, because both principal and any return on the investment are subject to market risk, you can lose money by investing in the Portfolios.

Variable Universal Life Defender | Fixed Indexed Accounts

Risks Associated with Designated Funds. The Designated Funds use managed volatility strategies to help limit the Fund’s overall volatility and reduce the effects of significant market downturns during periods of high equity market volatility. The managed volatility strategy could also limit a Fund’s ability to participate in rising equity markets compared to otherwise similar Funds that do not use a managed volatility strategy. Because the use of a managed volatility strategy may, in some markets, suppress the investment performance of a Designated Fund compared to other similar Funds that do not employ such a strategy, investment in a Designated Fund could limit the growth of Accumulation Value under the Policy. See Appendix A to this Prospectus, “Portfolio Companies Available Under the Contract,” for a table that contains the Designated Funds.

Variable Universal Life Defender | Policy Loan Risks

Fixed Indexed Accounts. The interest credited under the Fixed Indexed Accounts will vary in part depending upon the performance of an underlying Index. For Indexed Account A, Indexed Account B and Indexed Account G, if the underlying Index declines or does not change in a given year, you bear the risk that no Index Credits will be added to your Accumulation Value in an Indexed Account Segment at the end of the Index Credit Term. You also bear the risk that sustained declines in the underlying Index may result in Index Credits not being credited to your Accumulation Value for a prolonged period of time and you may need to increase your premium payments in order to keep the Policy in force. Conversely, if the investment performance of the underlying Index exceeds the Growth Cap for the Segment, the Index Credits credited to your Accumulation Value would be limited to the Growth Cap for that Segment multiplied by the Participation Rate which may be less than the increase in the underlying Index over the Segment Term. In addition, the amount of any partial surrender or deduction of monthly policy charges from a Segment prior to the end of the Index Credit Term will not receive an Index Credit.We manage our obligation to credit Index Credits in part by purchasing call options on the Index and by prospectively adjusting the Growth Cap on Segment Dates to reflect changes in the costs of purchasing such call options (the price of call options vary with market conditions). In certain cases, we may reduce the Growth Cap for a future Index Credit Term for any Indexed Account. If we do so, the amount of the Index Credit which you may have otherwise have received would be reduced. Although the Growth Cap may not be less than the guaranteed minimum Growth Cap, it is within our sole discretion to set the Growth Cap for any indexed Segment.We may, at our sole discretion, change the Participation Rate for future Index Credit Terms on amounts allocated to Indexed Account G. If we do so, the amount of the Index Credit which you may have otherwise have received could be reduced. It is within our sole discretion to change the current Participation Rate for Indexed Account G; however, it will never be less than 30% or greater than 200%.There is no guarantee that the underlying Indices will be available during the entire time you own your Policy. If an Index is discontinued or we are unable to utilize it, we may substitute a successor index of our choosing. If we do so, the performance of the new index may differ from the currently available underlying Indices. This, in turn, may affect the Index Credits you earn.There is no guarantee that we will continue to offer the Fixed Indexed Accounts during the entire time you own your Policy. We may discontinue offering any or all of the Fixed Indexed Accounts at any time. If we discontinue offering any or all of the Fixed Indexed Accounts, you may transfer Accumulation Value from the Fixed Indexed Accounts to any other investment options available under the Policy. If you do not do so, your Accumulation Value in the Fixed Indexed Account will be reallocated to the Guaranteed Interest Account.Allocating Net Premiums or Accumulation Value to one or all of the Fixed Indexed Accounts is not equivalent to investing in the underlying stocks comprising the underlying Indices. You will have no ownership rights in the underlying stocks comprising the Index, such as voting rights, dividend payments, or other distributions. Also, we are not affiliated with the Index or the underlying stocks comprising the Index. Consequently, the Index and the issuers of the underlying stocks comprising the Index have no involvement with the Policy.If you surrender your Policy before the end of an Index Credit Term, no Index Credit will be credited to your Accumulation Value in that Index Credit Term.See also the Fixed Indexed Accounts section of the General Description of the Policy portion of this prospectus for information on Growth Caps and Participation Rates that apply to the Fixed Indexed Accounts.

Variable Universal Life Defender | Policy Termination

Policy Loan Risks. A Policy loan, whether or not repaid, will affect the value of your Policy over time because the amounts borrowed do not participate in the investment performance of the Sub-Accounts. In addition, a charge is deducted from your Accumulation Value each month while there is a Policy loan outstanding. The Death Benefit is reduced by the amount of any outstanding Policy indebtedness. If you surrender the Policy or allow it to lapse while a Policy loan is outstanding, the amount of the Policy loan, to the extent it has not previously been taxed, will be considered as an amount you received and taxed accordingly. Policy indebtedness reduces the Surrender Value and increases the risk that your Policy will lapse.

Variable Universal Life Defender | Fees and Expenses

Policy Termination. There is the risk that the Policy may terminate or lapse. If your Policy terminates or lapses, all of the Agreements added to the Policy will also terminate or lapse. Policy Termination will occur when there is no Accumulation Value, or the Policy loan amount (plus accrued interest) equals the Accumulation Value, and you do not make the required payment during the Grace Period. You may reinstate a terminated or lapsed Policy, subject to certain conditions. Policy loans may increase the risk that the Policy will terminate or lapse. If a Policy terminates or lapses with an outstanding Policy loan, there may be significant adverse tax consequences to the Owner. See “Policy Premiums.”

Variable Universal Life Defender | Risks Associated with the General Account

Fees and Expenses. Certain fees and expenses are currently assessed at less than their maximum levels. We may increase these current charges in the future up to the maximum levels. If fees and expenses are increased, you may need to increase the amount and/or frequency of premiums to keep the Policy in force. The deduction of monthly Policy charges will reduce your Accumulation Value. The Policy may also be unsuitable as a short-term savings vehicle due to the costs of insurance and expenses charged. Furthermore, Sub-Account values could decline depending upon changes in the Underlying Funds. Depending upon the timing of withdrawals, Owners could lose all or part of their premium payments.

Variable Universal Life Defender | Access to Cash Values through Partial Surrenders and Withdrawals

Risks Associated with the General Account. The Guaranteed Interest Account, the Fixed Indexed Accounts and the Fixed Loan Account are part of our General Account. Our General Account consists of all assets owned by us other than those in the Variable Account and any other separate accounts which we may establish. Investors look to the financial strength of Minnesota Life for its insurance guarantees. Guarantees provided by Minnesota Life as to the benefits promised in the contract, such as payment of the Death Benefit, are subject to the claims paying ability of Minnesota Life and are subject to the risk that Minnesota Life may default on its obligations under those guarantees.

Variable Universal Life Defender | Surrender and Partial Surrenders

Access to Cash Values through Partial Surrenders and Withdrawals. You should purchase the Policy only if you have the financial ability to keep it in force for a substantial period of time. You should not purchase the Policy if you intend to surrender all or part of your Policy in the near future. Your ability to access the Policy’s Accumulation Value is subject to limitations on amounts that may be withdrawn.

Variable Universal Life Defender | Qualification as Life Insurance

Surrender and Partial Surrenders. Surrendering your Policy or taking partial surrenders may have significant tax consequences. If you Surrender your Policy, you may be assessed a Surrender Charge, which may be significant. A partial surrender will be subject to a transaction charge equal to the lesser of $25 or 2 percent of the amount of the partial surrender. A partial surrender will reduce the Accumulation Value and will reduce the Death Benefit and increase the risk of Termination. See “Federal Tax Status.”

Variable Universal Life Defender | Modified Endowment Contract Status

Qualification as Life Insurance. We believe that a Policy issued on the basis of a standard Underwriting Class should qualify as life insurance under the Code. However, due to lack of guidance in this area, it is not clear whether a Policy issued on a sub-standard basis would qualify. A Policy may also fail to qualify as life insurance under the Code if too much premium is paid into the Policy or the diversification and investor control requirements are not met for investments in the Variable Account. Failure to qualify would mean that the death proceeds would be included in the Beneficiary’s gross income for federal income tax purposes, and that the Accumulation Value would be constructively received before it is actually received. Depending upon the amount of assets in and the level of estate planning undertaken with regard to the Policy Owner’s estate, there is also a risk that the Death Benefit payable under this Policy may be subject to estate taxation. See the “Policy Premiums” and “Federal Tax Status.”

Variable Universal Life Defender | Cybersecurity Risks

Modified Endowment Contract Status. It is possible that a Policy qualifying as life insurance will be treated as a MEC, depending on how rapidly the Policy is funded. A MEC is treated as life insurance with respect to the tax treatment of death proceeds and the tax-free inside build-up of yearly Accumulation Value increases. However, any amounts you receive, such as loans or amounts received from partial or total surrender of the Policy are includable in gross income on an income-first basis. With certain exceptions, the tax treatment includes a ten percent additional income tax imposed on the portion of any distribution taken before age 59½ that is included in income. See “Federal Tax Status.”

Variable Universal Life Defender | Risk of Loss [Member]

Cybersecurity RisksOur variable insurance product business is highly dependent upon the effective operation of our computer and technology systems and networks and those of our business partners, so our business is potentially susceptible to operational and information security risks resulting from a cyber-attack. These risks include, among other things, the theft, loss, misuse, corruption and destruction of data maintained online or digitally, denial of service on websites and other operational disruption and unauthorized release of confidential customer information. Cyber-attacks affecting us, the Portfolios, or our intermediaries and other affiliated or third-party service providers, administrators, distributors and vendors (“Intermediaries”) may adversely affect our and your product values. For instance, cyber-attacks may interfere with our processing of contract transactions (including the processing of orders through our online service centers or with the Portfolios); impact our ability to calculate values and make payments; cause the unauthorized access and possible destruction of our proprietary information or our clients’ confidential personal information; subject us and/or our Intermediaries to regulatory fines, litigation and financial losses; adversely impact our business operations and financial condition; and/or cause reputational damage. Cybersecurity risks may also impact the issuers of securities in which the Portfolios invest, which may cause the Portfolios to lose value. The constant change in technologies and increased sophistication and activities of hackers and others, including the advances in criminal capabilities and the discovery of new vulnerabilities, continue to pose new and significant cybersecurity threats. These events may be beyond control and cannot be fully mitigated or foreseen. Additionally, cybersecurity threats and incidents have dramatically increased in recent years, financial services companies and their intermediaries are increasingly the targets of cyber-attacks, and it is possible that a cybersecurity incident could persist for an extended period of time without detection. We have implemented and maintain administrative, technical and physical security measures that are reasonably designed to protect against cybersecurity threats, and require our Intermediaries to meet certain information security standards. However, there can be no assurance that that we or the Portfolios or our Intermediaries will avoid adverse impacts or losses affecting your contract due to cyber-attacks or information security breaches in the future.Even if we successfully protect our technology infrastructure and the confidentiality of sensitive data, we may incur significant expenses in responding to any such attacks. Although we maintain cybersecurity insurance coverage against costs resulting from cybersecurity incidents, it is possible losses will exceed the amount available under our coverage. These risks are common to all insurers and financial service providers.

Variable Universal Life Defender | Not Short Term Investment Risk [Member]

You have the risk that you can lose money by investing in the Policy.

Variable Universal Life Defender | Investment Options Risk [Member]

The Policy is not a short-term investment and may not be appropriate for Policy Owners who need ready access to cash. The Policy combines both life insurance protection and the potential for the accumulation of cash values; however, it contains costs, such as cost of insurance, surrender charges, and other expenses that, in the short term, may reduce the amount of Accumulation Value available to the Policy Owner.

Variable Universal Life Defender | Insurance Company Risk [Member]

The Policy Accumulation Value, to the extent invested in a Sub-Account, is subject to the risk of poor investment performance and can vary with the positive or negative investment experience of the corresponding Portfolio. Each investment option, including any of the Variable Account Sub-Accounts, the Guaranteed Interest Account, or the Fixed Indexed Accounts, will each have its own unique risks. The Policy Owner should review these investment options before making an investment in the Policy.

Variable Universal Life Defender | Contract Lapse Risk [Member]

Guarantees provided by Minnesota Life as to the benefits promised in the contract, such as payment of the Death Benefit, are subject to the claims paying ability of Minnesota Life and are subject to the risk that Minnesota Life may default on its obligations under those guarantees. The Guaranteed Interest Account, the Fixed Indexed Accounts and the Fixed Loan Account are part of our General Account. Our General Account consists of all assets owned by us other than those in the Variable Account and any other separate accounts which we may establish. Investors look to the financial strength of Minnesota Life for its insurance guarantees. Information about Minnesota Life, and its financial strength ratings, are available upon request. You may call us at 1-844-208-2412 for additional information or visit our website at www.securian.com/about-us/ratings.

Variable Universal Life Defender | Dynamic Asset Allocation Portfolio - Class B Shares

There is the risk that the Policy may terminate. If your Policy terminates, no Death Benefit will be paid if the insured dies and all the Agreements added to the Policy will also terminate. As described in the “Termination” and “Reinstatement” sections of this prospectus, Termination will only occur when the Accumulation Value under the Policy, less the sum of any outstanding policy loans and unpaid Policy Loan Interest, is insufficient to cover the monthly charges, and the subsequent Grace Period expires without sufficient payment being made to keep the Policy in force. You may reinstate a terminated Policy, subject to certain conditions, which include, providing evidence of insurability satisfactory to us and payment of premiums or repayment of Policy loans. Policy loans may increase the risk that the Policy will terminate. If a Policy terminates with an outstanding Policy loan, there may be significant adverse tax consequences to the Owner.

Dynamic Asset Allocation Portfolio – Class B Shares

Seeks to maximize total return consistent with the Adviser's determination of reasonable risk.

AllianceBernstein L.P.

1.10%

13.21%

4.74%

Variable Universal Life Defender | International Value Portfolio - Class A Shares

5.25%

International Value Portfolio – Class A Shares

The Portfolio’s investment objective is long-term growth of capital.

AllianceBernstein L.P.

0.92%

41.70%

10.47%

Variable Universal Life Defender | Invesco V.I. International Growth Fund - Series I Shares

6.64%

Invesco V.I. International Growth Fund – Series I Shares

Seeks capital appreciation.

Invesco Advisers, Inc.

1.00%

16.32%

2.15%

Variable Universal Life Defender | Invesco V.I. American Value Fund - Series I Shares

5.64%

Invesco V.I. American Value Fund – Series I Shares

Long-term capital appreciation.

Invesco Advisers, Inc.

0.89%

21.00%

17.85%

Variable Universal Life Defender | Invesco V.I. Comstock Fund - Series I Shares

12.29%

Invesco V.I. Comstock Fund – Series I Shares

Seeks capital growth and income through investments in equity securities, including common stocks, preferred stocks and securities convertible into common and preferred stocks.

Invesco Advisers, Inc.

0.75%

17.45%

15.43%

Variable Universal Life Defender | Invesco V.I. Main Street Small Cap Fund® - Series I Shares

11.95%

Invesco V.I. Main Street Small Cap Fund® – Series I Shares

Seeks capital appreciation.

Invesco Advisers, Inc.

0.84%

8.70%

8.34%

Variable Universal Life Defender | Morningstar Aggressive Growth ETF Asset Allocation Portfolio - Class I Shares

10.59%

Morningstar Aggressive Growth ETF Asset Allocation Portfolio – Class I Shares

Seeks to provide investors with capital appreciation.

ALPS Advisors, Inc.

Morningstar Investment Management LLC

0.60%

20.33%

10.82%

Variable Universal Life Defender | Morningstar Balanced ETF Asset Allocation Portfolio - Class I Shares

10.63%

Morningstar Balanced ETF Asset Allocation Portfolio – Class I Shares

Seeks to provide investors with capital appreciation and some current income.

ALPS Advisors, Inc.

Morningstar Investment Management LLC

0.59%

15.07%

6.89%

Variable Universal Life Defender | Morningstar Conservative ETF Asset Allocation Portfolio - Class I Shares

7.53%

Morningstar Conservative ETF Asset Allocation Portfolio – Class I Shares

Seeks to provide investors with current income and preservation of capital.

ALPS Advisors, Inc.

Morningstar Investment Management LLC

0.58%

9.11%

2.45%

Variable Universal Life Defender | Morningstar Growth ETF Asset Allocation Portfolio - Class I Shares

3.76%

Morningstar Growth ETF Asset Allocation Portfolio – Class I Shares

Seeks to provide investors with capital appreciation.

ALPS Advisors, Inc.

Morningstar Investment Management LLC

0.57%

18.15%

9.08%

Variable Universal Life Defender | Morningstar Income and Growth ETF Asset Allocation Portfolio - Class I Shares

9.32%

Morningstar Income and Growth ETF Asset Allocation Portfolio – Class I Shares

Seeks to provide investors with current income and capital appreciation.

ALPS Advisors, Inc.

Morningstar Investment Management LLC

0.59%

11.94%

4.68%

Variable Universal Life Defender | Capital World Bond Fund - Class 1 Shares

5.73%

Capital World Bond Fund – Class 1 Shares

The fund’s investment objective is to provide you, over the long term, with a high level of total return consistent with prudent investment management. Total return comprises the income generated by the fund and the changes in the market value of the fund’s investments.

Capital Research and Management Company

0.48%

9.55%

(2.27%)

Variable Universal Life Defender | Global Small Capitalization Fund - Class 1 Shares

1.47%

Global Small Capitalization Fund – Class 1 Shares

The fund’s investment objective is to provide long-term growth of capital.

Capital Research and Management Company

0.65%

14.89%

0.73%

Variable Universal Life Defender | Growth Fund - Class 1 Shares

7.50%

Growth Fund – Class 1 Shares

The fund’s investment objective is to provide growth of capital.

Capital Research and Management Company

0.33%

20.54%

13.66%

Variable Universal Life Defender | Growth-Income Fund - Class 1 Shares

18.26%

Growth-Income Fund – Class 1 Shares

The fund’s investment objectives are to achieve long-term growth of capital and income.

Capital Research and Management Company

0.28%

18.37%

14.19%

Variable Universal Life Defender | International Fund - Class 1 Shares

14.20%

International Fund – Class 1 Shares

The fund’s investment objective is to provide long-term growth of capital.

Capital Research and Management Company

0.47%

27.04%

3.66%

Variable Universal Life Defender | New World Fund® - Class 1 Shares

7.26%

New World Fund® – Class 1 Shares

The fund’s investment objective is long-term capital appreciation.

Capital Research and Management Company

0.57%

28.60%

5.59%

Variable Universal Life Defender | U.S. Government Securities Fund - Class 1 Shares

9.53%

U.S. Government Securities Fund – Class 1 Shares

The fund’s investment objective is to provide a high level of current income consistent with prudent investment risk and preservation of capital.

Capital Research and Management Company

0.25%

8.01%

0.01%

Variable Universal Life Defender | BlackRock International Index V.I. Fund - Class I Shares

1.95%

BlackRock International Index V.I. Fund – Class I Shares

Seeks to match the performance of the MSCI EAFE Index (Europe, Australasia, Far East) (the “MSCI EAFE Index” or the “Underlying Index”) in U.S. dollars with net dividends as closely as possible before the deduction of Fund expenses.

BlackRock Advisors, LLC

0.27%

31.37%

8.88%

Variable Universal Life Defender | BlackRock Small Cap Index V.I. Fund - Class I Shares

8.18%

BlackRock Small Cap Index V.I. Fund – Class I Shares

Seeks to match the performance of the Russell 2000® Index (the “Russell 2000” or the “Underlying Index”) as closely as possible before the deduction of Fund expenses.

BlackRock Advisors, LLC

0.22%

12.65%

5.93%

Variable Universal Life Defender | Bond Index Portfolio - Initial Class Shares

9.44%

Bond Index Portfolio – Initial Class Shares

Seeks to provide investment results that correspond to the aggregate price and interest performance of the debt securities in the Bloomberg Barclays U.S. Aggregate Bond Index.

Fidelity Management & Research Company LLC (FMR)

Other investment advisers serve as sub-advisers for the fund.

0.14%

6.98%

(0.57%)

Variable Universal Life Defender | Equity-Income Portfolio - Initial Class Shares

0.00%

Equity-Income Portfolio – Initial Class Shares

Seeks reasonable income and the potential for capital appreciation. The fund’s goal is to achieve a yield which exceeds the composite yield on the securities comprising the Standard & Poor’s 500SM Index (S&P 500®).

Fidelity Management & Research Company LLC (FMR)

Other investment advisers serve as sub-advisers for the fund.

0.46%

19.02%

12.51%

Variable Universal Life Defender | Mid Cap Portfolio - Initial Class Shares

11.60%

Mid Cap Portfolio – Initial Class Shares

Seeks long-term growth of capital.

Fidelity Management & Research Company LLC (FMR)

Other investment advisers serve as sub-advisers for the fund.

0.55%

11.75%

10.10%

Variable Universal Life Defender | Franklin Small Cap Value VIP Fund - Class 1 Shares

10.59%

Franklin Small Cap Value VIP Fund – Class 1 Shares

Seeks long-term total return.

Franklin Mutual Advisers, LLC

0.66%

7.90%

9.13%

Variable Universal Life Defender | Nomura VIP Asset Strategy Series - Service Class Shares

10.09%

Nomura VIP Asset Strategy Series – Service Class Shares

To seek to provide total return.

Nomura Management Company

0.77%

16.66%

7.07%

Variable Universal Life Defender | Nomura VIP Core Equity Series - Service Class Shares

7.84%

Nomura VIP Core Equity Series – Service Class Shares

To seek to provide capital growth and appreciation.

Nomura Management Company

0.95%

15.30%

13.79%

Variable Universal Life Defender | Nomura VIP Global Growth Series - Service Class Shares

13.78%

Nomura VIP Global Growth Series – Service Class Shares

To seek to provide growth of capital.

Nomura Management Company

1.04%

17.93%

9.99%

Variable Universal Life Defender | Nomura VIP International Core Equity Series - Service Class Shares

10.71%

Nomura VIP International Core Equity Series– Service Class Shares

To seek to provide capital growth and appreciation.

Nomura Management Company

1.11%

24.17%

7.83%

Variable Universal Life Defender | Nomura VIP Mid Cap Growth Series - Service Class Shares

6.62%

Nomura VIP Mid Cap Growth Series – Service Class Shares

To seek to provide growth of capital.

Nomura Management Company

1.10%

1.18%

(0.08%)

Variable Universal Life Defender | Nomura VIP Science and Technology Series - Service Class Shares

10.66%

Nomura VIP Science and Technology Series – Service Class Shares

To seek to provide growth of capital.

Nomura Management Company

1.15%

33.36%

13.71%

Variable Universal Life Defender | Nomura VIP Smid Cap Core Series - Service Class Shares

17.20%

Nomura VIP Smid Cap Core Series – Service Class Shares

To seek to provide capital appreciation.

Nomura Management Company

1.19%

8.39%

8.07%

Variable Universal Life Defender | Nomura VIP Pathfinder Moderate - Managed Volatility Series - Service Class Shares

9.91%

Nomura VIP Pathfinder Moderate - Managed Volatility Series – Service Class Shares

To seek to provide total return consistent with a moderate level of risk as compared to the other Ivy VIP Pathfinder Managed Volatility Portfolios, while seeking to manage volatility of investment return.

Nomura Management Company

0.99%

10.72%

5.98%

Variable Universal Life Defender | Janus Henderson Balanced Portfolio - Institutional Shares

6.64%

Janus Henderson Balanced Portfolio – Institutional Shares

Seeks long-term capital growth, consistent with preservation of capital and balanced by current income.

Janus Henderson Investors US LLC

0.62%

15.11%

8.48%

Variable Universal Life Defender | Janus Henderson Flexible Bond Portfolio - Institutional Shares

10.14%

Janus Henderson Flexible Bond Portfolio – Institutional Shares

Seeks to obtain maximum total return, consistent with preservation of capital.

Janus Henderson Investors US LLC

0.57%

7.40%

(0.23%)

Variable Universal Life Defender | Janus Henderson Forty Portfolio - Institutional Shares

2.32%

Janus Henderson Forty Portfolio – Institutional Shares

Seeks long-term growth of capital.

Janus Henderson Investors US LLC

0.62%

18.14%

11.65%

Variable Universal Life Defender | Janus Henderson Mid Cap Value Portfolio - Institutional Shares

16.24%

Janus Henderson Mid Cap Value Portfolio – Institutional Shares

Seeks capital appreciation.

Janus Henderson Investors US LLC

0.83%

6.50%

8.69%

Variable Universal Life Defender | Janus Henderson Overseas Portfolio - Institutional Shares

8.66%

Janus Henderson Overseas Portfolio – Institutional Shares

Seeks long-term growth of capital.

Janus Henderson Investors US LLC

0.72%

28.87%

9.44%

Variable Universal Life Defender | ClearBridge Variable Small Cap Growth Portfolio - Class I Shares

9.24%

ClearBridge Variable Small Cap Growth Portfolio – Class I Shares

Seeks long-term growth of capital.

Legg Mason Partners Fund Advisor, LLC

ClearBridge Investments, LLC

0.81%

9.23%

(0.17%)

Variable Universal Life Defender | LVIP American Century Disciplined Core Value - Standard Class II Shares

9.38%

LVIP American Century Disciplined Core Value - Standard Class II Shares

Seeks capital growth in common stocks. Income is a secondary objective.

Lincoln Financial Investments Corporation

American Century Investment Management, Inc.

0.71%

14.86%

8.78%

Variable Universal Life Defender | LVIP American Century Inflation Protection - Standard Class II Shares

10.39%

LVIP American Century Inflation Protection - Standard Class II Shares

Seeks capital growth.

Lincoln Financial Investments Corporation

American Century Investment Management, Inc.

0.47%

6.60%

0.87%

Variable Universal Life Defender | MFS® Mid Cap Growth Series - Initial Class

2.87%

MFS® Mid Cap Growth Series – Initial Class

To seek capital appreciation.

Massachusetts Financial Services Company

0.81%

3.66%

3.26%

Variable Universal Life Defender | MFS® International Intrinsic Value Portfolio - Initial Class

11.60%

MFS® International Intrinsic Value Portfolio – Initial Class

To seek capital appreciation.

Massachusetts Financial Services Company

0.89%

33.26%

7.28%

Variable Universal Life Defender | Emerging Markets Equity Portfolio - Class II Shares

9.95%

Emerging Markets Equity Portfolio – Class II Shares

Seeks long-term capital appreciation by investing primarily in growth-oriented equity securities of issuers in emerging market countries.

Morgan Stanley Investment Management Inc.

Morgan Stanley Investment Management Company

1.30%

32.90%

4.32%

Variable Universal Life Defender | Neuberger Berman Quality Equity Portfolio - Class I Shares

7.21%

Neuberger Berman Quality Equity Portfolio – Class I Shares

The Fund seeks long-term growth of capital by investing primarily in securities of companies that meet the Fund’s environmental, social and governance (ESG) criteria.

Neuberger Berman Investment Advisers LLC

0.87%

13.74%

12.83%

Variable Universal Life Defender | TOPS® Managed Risk Flex ETF Portfolio

12.94%

TOPS® Managed Risk Flex ETF Portfolio

Seeks to provide income and capital appreciation with less volatility than the fixed income and equity markets as a whole.

Valmark Advisers, Inc.

Milliman Financial Risk Management LLC

0.95%

9.13%

3.90%

Variable Universal Life Defender | PIMCO VIT Global Diversified Allocation Portfolio - Advisor Class Shares

4.81%

PIMCO VIT Global Diversified Allocation Portfolio – Advisor Class Shares

Seeks to maximize risk-adjusted total return relative to a blend of 60% MSCI World Index 40% Bloomberg Barclays U.S. Aggregate Index.

Pacific Investment Management Company LLC (“PIMCO”)

1.22%

15.07%

5.23%

Variable Universal Life Defender | PIMCO VIT International Bond Portfolio (U.S. Dollar-Hedged) - Advisor Class Shares

6.44%

PIMCO VIT International Bond Portfolio (U.S. Dollar-Hedged) – Advisor Class Shares

Seeks maximum total return, consistent with preservation of capital and prudent investment management.

Pacific Investment Management Company LLC (“PIMCO”)

1.19%

3.85%

0.93%

Variable Universal Life Defender | PIMCO VIT Low Duration Portfolio - Institutional Class Shares

2.78%

PIMCO VIT Low Duration Portfolio – Institutional Class Shares

Seeks maximum total return, consistent with preservation of capital and prudent investment management.

Pacific Investment Management Company LLC (“PIMCO”)

0.51%

5.68%

1.72%

Variable Universal Life Defender | PIMCO VIT Total Return Portfolio - Institutional Class Shares

1.94%

PIMCO VIT Total Return Portfolio – Institutional Class Shares

Seeks maximum total return, consistent with preservation of capital and prudent investment management.

Pacific Investment Management Company LLC (“PIMCO”)

0.58%

9.05%

0.16%

Variable Universal Life Defender | Putnam VT International Equity Fund - Class IA Shares

2.51%

Putnam VT International Equity Fund – Class IA Shares

Seeks capital appreciation.

Putnam Investment Management, LLC

Franklin Advisers, Inc.

0.81%

38.00%

9.55%

Variable Universal Life Defender | Putnam VT International Value Fund - Class IA Shares

8.40%

Putnam VT International Value Fund – Class IA Shares

Seeks capital growth. Current income is a secondary objective.

Putnam Investment Management, LLC

Franklin Advisers, Inc.

0.81%

35.07%

12.77%

Variable Universal Life Defender | Putnam VT Large Cap Growth Fund - Class IA Shares

9.13%

Putnam VT Large Cap Growth Fund – Class IA Shares

Seeks capital appreciation.

Putnam Investment Management, LLC

Franklin Advisers, Inc.

0.62%

14.58%

13.71%

Variable Universal Life Defender | Putnam VT Large Cap Value Fund - Class IA Shares

17.95%

Putnam VT Large Cap Value Fund – Class IA Shares

Seeks capital growth and current income.

Putnam Investment Management, LLC

Franklin Advisers, Inc.

0.54%

20.66%

15.68%

Variable Universal Life Defender | SFT Balanced Stabilization Fund

13.58%

SFT Balanced Stabilization Fund

Seeks to maximize risk-adjusted total return relative to its blended benchmark index comprised of 60% S&P 500 Index and 40% Bloomberg Barclays U.S. Aggregate Bond Index (the Benchmark Index).

Securian Asset Management, Inc.

0.98%

10.69%

7.54%

Variable Universal Life Defender | SFT Core Bond Fund - Class 1 Shares

9.13%

SFT Core Bond Fund – Class 1 Shares

Seeks as high a level of a long-term total rate of return as is consistent with prudent investment risk. The Portfolio also seeks preservation of capital as a secondary objective.

Metropolitan West Asset Management, LLC (MetWest)

0.55%

7.67%

(0.22%)

Variable Universal Life Defender | SFT Macquarie Growth Fund (Formerly SFT Delaware IvySM Growth Fund)

2.36%

SFT Macquarie Growth Fund (Formerly SFT Delaware IvySM Growth Fund)

Seeks to provide growth of capital.

Securian Asset Management, Inc.

Nomura Management Company

0.96%

8.72%

12.03%

Variable Universal Life Defender | SFT Macquarie Small Cap Growth Fund (Formerly SFT Delaware IvySM Small Cap Growth Fund)

15.42%

SFT Macquarie Small Cap Growth Fund (Formerly SFT Delaware IvySM Small Cap Growth Fund)

Seeks to provide growth of capital.

Securian Asset Management, Inc.

Nomura Management Company

1.34%

13.13%

2.17%

Variable Universal Life Defender | SFT Equity Stabilization Fund

10.58%

SFT Equity Stabilization Fund

Seeks to maximize risk-adjusted total return relative to its blended benchmark index, comprised of 60% S&P 500 Low Volatility Index, 20% S&P BMI International Developed Low Volatility Index and 20% Bloomberg Barclays U.S. 3 Month Treasury Bellwether Index (the Benchmark Index).

Securian Asset Management, Inc.

1.09%

8.16%

5.36%

Variable Universal Life Defender | SFT Government Money Market Fund

5.14%

SFT Government Money Market Fund

Seeks maximum current income to the extent consistent with liquidity and the preservation of capital.+

Securian Asset Management, Inc.

0.66%

3.63%

2.75%

Variable Universal Life Defender | SFT Index 400 Mid-Cap Fund - Class 1 Shares

1.67%

SFT Index 400 Mid-Cap Fund – Class 1 Shares

Seeks investment results generally corresponding to the aggregate price and dividend performance of the publicly traded common stocks that comprise the Standard & Poor’s 400 MidCap Index (the S&P 400).

Securian Asset Management, Inc.

0.32%

7.14%

8.73%

Variable Universal Life Defender | SFT Index 500 Fund - Class 1 Shares

10.36%

SFT Index 500 Fund – Class 1 Shares

Seeks investment results that correspond generally to the price and yield performance of the common stocks included in the Standard & Poor’s 500 Composite Stock Price Index (the S&P 500).

Securian Asset Management, Inc.

0.17%

17.64%

14.17%

Variable Universal Life Defender | SFT Real Estate Securities Fund - Class 1 Shares

14.58%

SFT Real Estate Securities Fund – Class 1 Shares

Seeks above average income and long-term growth of capital.

Cohen & Steers

1.00%

2.42%

5.47%

Variable Universal Life Defender | SFT T. Rowe Price Value Fund

5.23%

SFT T. Rowe Price Value Fund

Seeks to provide long-term capital appreciation by investing in common stocks believed to be undervalued. Income is a secondary objective.

Securian Asset Management, Inc.

T. Rowe Price Associates, Inc.

1.01%

11.80%

10.36%

Variable Universal Life Defender | SFT Wellington Core Equity Fund - Class 1 Shares

10.38%

SFT Wellington Core Equity Fund – Class 1 Shares

Seeks growth of capital.

Securian Asset Management, Inc.

Wellington Management Company LLP

0.78%

14.17%

11.67%

Variable Universal Life Defender | T. Rowe Price Health Sciences Portfolio - II Class

13.15%

T. Rowe Price Health Sciences Portfolio – II Class

Seeks long-term capital appreciation.

T. Rowe Price Associates, Inc.

1.11%

17.80%

3.86%

Variable Universal Life Defender | Balanced Portfolio

8.70%

Balanced Portfolio

Seeks long-term capital appreciation and reasonable current income.

Wellington Management Company LLP

0.20%

16.46%

9.29%

Variable Universal Life Defender | Capital Growth Portfolio

10.03%

Capital Growth Portfolio

Seeks long-term capital appreciation.

PRIMECAP Management Company

0.34%

28.98%

13.97%

Variable Universal Life Defender | Diversified Value Portfolio

14.96%

Diversified Value Portfolio

Seeks long-term capital appreciation and income.

Hotchkis and Wiley Capital Management, LLC and Lazard Asset Management LLC

0.28%

16.83%

13.24%

Variable Universal Life Defender | Equity Income Portfolio

11.76%

Equity Income Portfolio

Seeks above-average level of current income and reasonable long-term capital appreciation.

Wellington Management Company LLP

0.29%

16.80%

12.59%

Variable Universal Life Defender | High Yield Bond Portfolio

11.52%

High Yield Bond Portfolio

Seeks high level of current income.

Wellington Management Company LLP

0.24%

9.18%

4.05%

Variable Universal Life Defender | International Portfolio

5.62%

International Portfolio

Seeks long-term capital appreciation.

Schroder Investment Management North America, Inc. and Baillie Gifford Overseas Ltd

0.32%

19.97%

0.62%

Variable Universal Life Defender | Short-Term Investment-Grade Portfolio

10.48%

Short-Term Investment-Grade Portfolio

Seeks current income while maintaining limited price volatility.

The Vanguard Group, Inc.

0.14%

6.85%

2.23%

Variable Universal Life Defender | Small Company Growth Portfolio

2.81%

Small Company Growth Portfolio

Seeks long-term capital appreciation.

ArrowMark Colorado Holdings, LLC and The Vanguard Group, Inc.

0.29%

6.11%

3.81%

Variable Universal Life Defender | Total Bond Market Index Portfolio

9.61%

Total Bond Market Index Portfolio

Seeks to track the performance of a broad, market-weighted bond index.

The Vanguard Group, Inc.

0.14%

6.94%

(0.51%)

Variable Universal Life Defender | Total Stock Market Index Portfolio

1.90%

Total Stock Market Index Portfolio

Seeks to track the performance of a benchmark index that measures the investment return of the overall stock market.

The Vanguard Group, Inc.

0.13%

16.93%

12.98%

Variable Universal Life Defender | Waiver of Premium Agreement

14.10%

Optional Benefit Charge, When Deducted [Text Block]

Waiver of Premium Agreement(17)

Monthly, expressed as an amount of Face AmountMonthly, expressed as an amount of Face Amount

Optional Benefit Charge, Representative [Text Block]

Charge for Insured Age

50 in Male, Preferred

Select Non-Tobacco

Risk Class, with Level

Option Death Benefit

Monthly, expressed as an

amount of Face Amount

$0.10 per $1,000

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

0.61%

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

0.005%

The maximum Waiver of Premium Charge assumes that the insured has the following characteristics: Female, Standard Tobacco, Age 59, Increasing Death Benefit Option. (3)The minimum Waiver of Premium Charge assumes that the insured has the following characteristics: Female, Preferred Non-Tobacco, Age 0, Level Death Benefit Option.

Waiver of Premium Agreement

Provides monthly premium payments in the event of the insured’s total and permanent disability

true

●Subject to insured providing evidence of insurability●Agreement only available at Policy issue

Waiver of Premium Agreement

Variable Universal Life Defender | Waiver of Charges Agreement

Waiver of Premium Agreement. The Waiver of Premium Agreement is no longer available for purchase for 2001 CSO policies. The Waiver of Premium Agreement provides that in the event of the insured’s total and permanent disability (as defined in the Agreement), we will credit the specified premium payment identified in the Policy to the Policy each month while the insured is disabled, subject to the conditions set forth in the Agreement. This Agreement is subject to underwriting approval. This Agreement is not available if the Waiver of Charges Agreement is elected. We assess a separate monthly charge for this Agreement.

Optional Benefit Charge, When Deducted [Text Block]

Waiver of Charges Agreement**

Monthly, expressed as an amount of Face AmountMonthly, expressed as an amount of Face Amount

Optional Benefit Charge, Representative [Text Block]

Charge for Insured Age

50 in Female, Preferred

Select Non-Tobacco

Risk Class, with Level

Option Death Benefit

Monthly, expressed as an

amount of Face Amount

$0.074 per $1,000

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

0.56%

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

0.003%

The maximum Waiver of Charges Charge assumes that the insured has the following characteristics: Male, Standard Tobacco, Age 59, Increasing Death Benefit Option. (5)The minimum Waiver of Charges Charge assumes that the insured has the following characteristics: Female, Preferred Non-Tobacco, Age 0, Increasing Death Benefit Option.

Waiver of Charges Agreement

Provides for waiver of monthly charges in the event of the insured’s total and permanent disability

true

No longer available for purchase

Waiver of Charges Agreement

Calculation Method of Benefit [Text Block]

Waiver of Charges Agreement. The Waiver of Charges Agreement is no longer available to purchase. The Agreement provides that in the event of the insured’s total and permanent disability (as defined in the Agreement), we will waive the monthly charges under the Policy each month while the insured is disabled, subject to the conditions set forth in the Agreement. This Agreement is subject to underwriting approval. This Agreement is not available if the Waiver of Premium Agreement is elected. We assess a separate monthly charge for this Agreement.

For example, in the event of the insured's total and permanent disability, if monthly charges of $1,000 were due under the Policy, we would waive these $1,000 monthly charges, subject to the terms of this Agreement, for so long as the insured remained disabled.

Variable Universal Life Defender | Childrens Term Agreement

Optional Benefit Charge, When Deducted [Text Block]

Children’s Term Agreement**

Monthly, expressed as an amount of coverage

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

0.195%

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

0.063%

Children's Term Agreement

Provides fixed level term insurance for insured’s children

true

No longer available for purchase

Children's Term Agreement

Variable Universal Life Defender | Accelerated Death Benefit for Terminal Illness Agreement

Children’s Term Agreement. The Children’s Term Agreement is no longer available to purchase. The Children’s Term Agreement provides fixed level term insurance on each of the insured’s children (as defined in the Agreement) up to the first anniversary of the Agreement on or following the child’s 25th birthday, subject to the conditions set forth in the Agreement. This Agreement is subject to underwriting approval. We assess a separate monthly charge for this Agreement.For example, if you purchased this supplemental agreement for a fixed level coverage amount of $10,000 and one of your children named on your Policy or this Agreement were to die while your Policy and this Agreement were still in force, we would pay a $10,000 death benefit to the beneficiary, subject to the age limitations in this Agreement.

Accelerated Death Benefit for Terminal Illness Agreement

Allows the Policy Owner to accelerate the Death Benefit in the event the insured is terminally ill

true

Accelerated Death Benefit for Terminal Illness Agreement

Calculation Method of Benefit [Text Block]

Accelerated Death Benefit for Terminal Illness Agreement. The Accelerated Death Benefit for Terminal Illness Agreement allows you to receive a significant portion of your Policy’s Death Benefit, if the insured develops a terminal condition due to sickness or injury (as defined in the Agreement). This Agreement is available without underwriting approval. There is no separate charge for the Agreement.

For example, if you have a Policy with a $1 million Face Amount and the insured is diagnosed with a terminal illness, you can request to accelerate a portion of your Death Benefit. In this example, if you choose to accelerate $250,000 of the Death Benefit, the Policy’s Face Amount will be decreased by the accelerated amount. After receiving the $250,000 accelerated payment, your remaining Death Benefit would be $750,000, and you would continue to pay premiums and charges based on the new $750,000 Face Value instead of the original $1 million Face Value.

Variable Universal Life Defender | Term Insurance Agreement

Optional Benefit Charge, When Deducted [Text Block]

Level Term Insurance Agreement (issued after May 1, 2019)

Monthly, expressed as an amount of Face AmountMonthly, expressed as an amount of Face Amount

Optional Benefit Charge, Representative [Text Block]

Charge for Insured Age

50 in Male, Standard

Non-Tobacco Risk

Class, with Level

Option Death Benefit

Monthly, expressed as an

amount of Face Amount

$0.28 per $1,000

$0.17 per $1,000

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

37.54%

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

32.97%

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

0.005%

See the Long Term Care Agreement discussion in the section entitled “Supplemental Agreements.”The maximum Long Term Care Agreement Charge assumes that the insured has the following characteristics: Female, Standard Tobacco, Issue Age 80, 24-month benefit period. (17)The minimum Long Term Care Agreement Charge assumes that the insured has the following characteristics: Female, Preferred Non-Tobacco, Issue Age 20, 72-month benefit period.The maximum Level Term Insurance Charge assumes that the insured has the following characteristics: Male, Standard Tobacco, Age 99, Level Death Benefit Option. (31)The minimum Level Term Insurance Charge assumes that the insured has the following characteristics: Female, Preferred Non-Tobacco, Age 10, Level Death Benefit Option.

Level Term Insurance Agreement

Provides additional term insurance on the life of the insured

true

●Subject to insured providing evidence of insurability●Agreement only available at Policy issue

Level Term Insurance Agreement

Variable Universal Life Defender | Term Insurance Agreement | Previously Offered [Member]

Level Term Insurance Agreement. The Level Term Insurance Agreement is no longer available for purchase for 2001 CSO policies. The Level Term Insurance Agreement is subject to underwriting approval and provides additional level term insurance coverage on the life of the insured. For Agreements issued with Defender 2001 CSO, the Level Term Insurance Agreement provides coverage until the anniversary nearest the insured’s Age 90, at which time it will terminate. For Agreements issued with Defender 2017 CSO, the Level Term Insurance Agreement provides coverage until the anniversary nearest the insured’s Age 100, at which time it will terminate. We assess a separate monthly charge for this Agreement.For example, if you were to elect this Agreement to provide an additional $250,000 in Death Benefits, this additional $250,000 would be payable to the beneficiary upon your death if this Agreement is still in force. Note that the Level Term Insurance Agreement has no cash or loan values and does not modify any cash or loan values of this Policy.

Optional Benefit Charge, When Deducted [Text Block]

Level Term Insurance Agreement (issued prior to May 1, 2019)Monthly, expressed as an amount of Face AmountMonthly, expressed as an amount of Face Amount

Optional Benefit Charge, Representative [Text Block]

Charge for Insured Age

50 in Male, Standard

Non-Tobacco Risk

Class, with Level

Option Death Benefit

Monthly, expressed as an

amount of Face Amount

$0.28 per $1,000

$0.17 per $1,000

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

83.33%

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

13.44%

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

0.005%

Variable Universal Life Defender | Overloan Protection Agreement

The maximum Level Term Insurance Charge assumes that the insured has the following characteristics: Male, Standard Tobacco, Age 90, Level Death Benefit Option. (9)The minimum Level Term Insurance Charge assumes that the insured has the following characteristics: Female, Preferred Non-Tobacco, Age 6, Level Death Benefit Option.The maximum Long Term Care Agreement Charge assumes that the insured has the following characteristics: Female, Standard Tobacco, Issue Age 80, 4% monthly benefit.(15)The minimum Long Term Care Agreement Charge assumes that the insured has the following characteristics: Female, Preferred Non-Tobacco, Issue Age 20, 2% monthly benefit.

Overloan Protection Agreement. You may elect the Overloan Protection Agreement to prevent policy Termination in certain circumstances. The tax treatment of the Overloan Protection Agreement is uncertain, and it is not clear whether the Overloan Protection Agreement will be effective to prevent taxation of any outstanding loan balance as a distribution in those situations where Overloan Protection takes effect. Anyone contemplating exercise of the Policy’s Overloan Protection Agreement should consult a tax adviser.

Overloan Protection Agreement

Provides protection against Policy Termination in the event Policy Charges exceed the Policy Accumulation Value

true

●Policy Owner must elect the Guideline Premium Test●Cannot have exercised the Accelerated Death Benefit for Terminal Illness, or have waived charges or Premiums under the Waiver of Premium or Waiver of Charges Agreements

Overloan Protection Agreement

Variable Universal Life Defender | Guaranteed Insurability Option

Overloan Protection Agreement. The Overloan Protection Agreement provides that the Policy will not terminate because of a Policy loan even where the Accumulation Value of the Policy is insufficient to cover Policy charges. The Policy Owner must elect to use the guideline premium test and cannot have elected to use the Accelerated Benefit for Terminal Illness Agreement, or waived charges or premiums under either the Waiver of Premium Agreement or the Waiver of Charges Agreement. Once exercised, the Death Benefit payable under the Policy will be greatly reduced and be the minimum Death Benefit payable as permitted under the Code at the time the Overloan Protection Agreement was exercised. The Agreement may be exercised on non-MECs after the Policy has been in force for at least 15 years and the insured is over 75 years of Age. Once elected, this Agreement will remain in force until the Policy is surrendered or until the insured’s death and will reduce the Policy Death Benefit by the amount of the Fixed Loan Account. We assess a one-time charge when the Agreement is exercised.For example, if your Policy’s Accumulation Value is $500,000 and you exercise this Agreement, a maximum charge of $50,000 (10% of your Accumulation Value) will be deducted from your Policy. Your remaining Accumulation Value allocated to the separate account or indexed accounts will be transferred to the Guaranteed Interest Account. Exercising this Agreement will guarantee that your Policy does not terminate because of a policy loan even if the cash value is insufficient to cover policy charges.The tax treatment of the Overloan Protection Agreement is uncertain and it is not clear whether the Overloan Protection Agreement will be effective to prevent taxation of any outstanding loan balance as a distribution in those situations where Overloan Protection takes effect. Anyone contemplating exercise of the Policy’s Overloan Protection Agreement should consult a tax advisor.

Optional Benefit Charge, When Deducted [Text Block]

Guaranteed Insurability Option(10)

Monthly, expressed as an amount of additional insurance coverageMonthly, expressed as an amount of additional insurance coverage

Optional Benefit Charge, Representative [Text Block]

Charge for Insured Age

0 in Male, Preferred

Non-Tobacco Risk

Class

Monthly, expressed as an

amount of additional

insurance coverage

$0.032 per $1,000

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

0.192%

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

0.192%

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

0.032%

The Guaranteed Insurability Option (GIO) Charge varies based upon the insured’s gender, Risk Class, Age and the amount of additional coverage layer that is elected when the GIO is purchased. See the Guaranteed Insurability Option discussion in the section entitled “Supplemental Agreements.” (11)The maximum Guaranteed Insurability Charge assumes that the insured has the following characteristics: Male, Standard Non-Tobacco, Age 37. (12)The minimum Guaranteed Insurability Charge assumes that the insured has the following characteristics: Male, Standard Non-Tobacco, Age 0.

Guaranteed Insurability Option Agreement

Guarantees the Policy Owner the right to purchase additional amounts of insurance on the insured’s life without providing evidence of insurability

true

●Subject to insured providing evidence of insurability●Only available for insureds between the Ages of zero and forty●Agreement only available at Policy issue

Guaranteed Insurability Option Agreement

Variable Universal Life Defender | Long Term Care Agreement

Guaranteed Insurability Option. The Guaranteed Insurability Option (”GIO“) is no longer available for purchase for 2001 CSO policies. The GIO is subject to underwriting approval and guarantees you the ability to purchase additional amounts of insurance coverage, which is also referred to as additional coverage layers, on the insured’s life on specified option dates without additional underwriting. The minimum amount of additional coverage layer available is $10,000 and the maximum amount of additional coverage layer available is the lesser of $100,000 or the Face Amount of the base Policy on which the GIO is added. At the time the GIO is purchased, the Owner specifies the maximum amount of insurance coverage or additional coverage layer that may be added to the Policy on each specified option date. The GIO is only available for insureds between the Ages of zero and forty. The charge shown for the GIO is a monthly charge and will apply from the time the GIO is added to the Policy until the date the GIO terminates, which generally occurs on the last specified option date (which is generally the Policy Anniversary nearest the insured’s fortieth birthday). The charge for the GIO will not be affected by the purchase of an additional coverage layer on a specified option date.The GIO guarantees that the Owner will be able to purchase an additional coverage layer on the specified option dates, which occur on the Policy Anniversary nearest to the insured’s birthday at Ages 22, 25, 28, 31, 34, 37 and 40. You will also be able to purchase an additional coverage layer in the event the insured marries or enters into a legal partnership, experiences the birth of a child or the legal adoption of a child, each known as an alternative option date. If the Owner exercises the GIO on an alternative option date, the next available specified option date will no longer be available. For example, if the insured marries at Age 26, the Owner may purchase an additional coverage layer effective as of the date of the marriage. Since there is no specified option date at Age 26, the next specified option date available at Age 28 will no longer be available. All of the remaining specified option dates (at Ages 31, 34, 37 and 40) will continue to be available. On each available specified or alternative option date, the Owner will be able to purchase an additional coverage layer up to the maximum amount elected under the GIO.For example, if an insured purchases the GIO at age 18 and selects additional coverage layers of $20,000, he or she would be able to purchase an additional $20,000 in insurance coverage upon the Policy Anniversary nearest to the insured’s birthday at Ages 22, 25, 28, 31, 34, 37 and 40 for a total of $140,000 in additional insurance coverage (assuming the insured exercises the option to purchase additional coverage on each available GIO option date).The cost of insurance charge for any additional coverage layer will be calculated using the insured’s Age and the most recent underwritten Risk Class for the Policy at the time the GIO is exercised. The additional cost of insurance charges for any additional coverage layer will be deducted monthly from the Policy’s Accumulation Value. There is no requirement to pay additional premium when adding an additional coverage layer under the GIO. However, adding additional coverage layers will increase the cost of insurance charges under the Policy and it may be necessary to pay additional premium to cover those increased cost of insurance charges. The cost of insurance charge for each new coverage layer is separate from and in addition to the charge you pay for purchasing the GIO. The policy change transaction charge and a new surrender charge and surrender charge period will apply to each new additional coverage layer. The addition of an additional coverage layer under the Policy will not result in any other charges.The GIO and the monthly charge deducted for the GIO will terminate when the GIO terminates at the Policy Anniversary nearest the insured’s fortieth birthday, which will correspond with the last specified option date under the GIO. The GIO and the monthly charge deducted for the GIO may terminate earlier than the Policy Anniversary nearest the insured’s fortieth birthday if an alternative option date occurs after the insured’s thirty-seventh birthday and before the Policy Anniversary nearest the insured’s fortieth birthday and you elect to add an additional coverage layer on that alternative option date. The additional coverage layers purchased prior to Termination of the GIO will continue after the Termination of the GIO, unless such additional coverage layer is subsequently reduced or eliminated at the request of the Owner, subject to any surrender charges. You should purchase the GIO if you believe that future changes in the insured’s life (e.g., marriage, children) will result in your need for additional Death Benefit and you are concerned about the insured’s ability to qualify for additional insurance coverage because of health or lifestyle concerns. If you purchase the GIO and do not exercise the right to purchase additional insurance coverage or Face Amounts on the exercise date, you will still pay a charge for the GIO.

Optional Benefit Charge, When Deducted [Text Block]

Long Term Care Agreement (Issued 2025 or after)(13)

Monthly, expressed as an amount of long term care Net Amount at RiskMonthly, expressed as an amount of long term care Net Amount at Risk

Optional Benefit Charge, Representative [Text Block]

Charge for Insured Age

55 in Male, Standard

Non-Tobacco Risk

Class, 48-month

Benefit Period

Monthly, expressed as an

amount of long term care

Net Amount at Risk

$0.287 per $1,000

$0.110 per $1,000

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

5.429%

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

3.529%

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

0.0042%

Long Term Care Agreement. The Long Term Care (“LTC”) Agreement provides for an acceleration of the Death Benefit in the event the insured meets the Agreement’s eligibility requirements. The tax treatment of long term care benefit payments from life insurance policies is uncertain. All or a portion of such payments could be taxable to the Policy Owner. Anyone contemplating purchasing a Policy with the LTC Agreement should consult a tax advisor.

Long Term Care Agreement (Issued 2025 or after)

Allows the Policy Owner to accelerate the Death Benefit in the event the insured meets the requirements for being chronically ill

true

●Available on or about June 30, 2025●Subject to insured providing evidence of insurability●Agreement only available at Policy issue

Long Term Care Agreement (Issued 2025 or after)

Variable Universal Life Defender | Long Term Care Agreement | Previously Offered [Member]

Long Term Care (“LTC”) Agreement – Before 2017. The LTC Agreement – Before 2017 is no longer available for purchase. The LTC Agreement is subject to underwriting approval and allows you to accelerate Death Benefits by receiving monthly benefit payments upon the insured meeting certain eligibility requirements. We will pay you a monthly benefit to assist with the expenses associated with the insured’s nursing home care or home health care. To be eligible for benefits under this Agreement, the insured must be certified by a licensed health care practitioner to be: (1) cognitively impaired or (2) unable to do at least 2 of the following activities of daily living: bathing, continence, dressing, eating, using the toilet facilities, or transferring (moving into or out of bed, chair, or wheelchair). In addition, you must submit to us a plan for qualified long term care services that is written by a licensed health care practitioner and which is based upon an assessment that the insured requires long-term care services. Finally, the insured must also meet a 90-day waiting period, referred to as an elimination period, in which the insured is receiving long term care services. The elimination period can be satisfied by any combination of days of long-term care facility stay or days of home health care, as those terms are defined in the Agreement. These days of care or services need not be continuous, but must be accumulated within a continuous period of 730 days. The elimination period has to be satisfied only once while this Agreement is in effect.The benefit payments made under this Agreement may not cover all of the Insured’s long term care costs. The long-term care benefits paid under this Agreement are intended to be “qualified long term care insurance” under federal tax law, and may not be taxable to the Owner. See “Tax Treatment of Policy Benefits.” You should consult your tax advisor about the tax impact of purchasing this Agreement. This Agreement will be subject to the incontestability provisions of the Policy, which are described in your Policy and in the Statement of Additional Information. See “Statement of Additional Information.”You will select the maximum amount of long-term care benefit (LTC amount) that you want when you purchase this Agreement. The LTC amount cannot be less than one hundred thousand dollars and cannot exceed the lesser of (i) the Policy Face Amount or (ii) five million dollars. You may also select either a two (2%) or four (4%) percent monthly benefit percentage that will be used to calculate your monthly benefit payment.The monthly charge for the Long Term Care Agreement is calculated by multiplying the monthly rate by the long term care Net Amount at Risk and dividing by one thousand. The long term care Net Amount at Risk is equal to the greater of i) zero or ii) an amount that is calculated monthly using the LTC amount chosen by you when you purchase the Agreement. Long term care Net Amount at Risk is calculated by subtracting a portion of the Accumulation Value from the LTC amount. The portion of Accumulation Value for this calculation is found by multiplying the Accumulation Value, as of the date we take the charge, by a fraction, the numerator of which is the LTC amount and denominator is the Policy Face Amount.If you decrease the Face Amount of the Policy, we may lower the amount of long term care benefit (LTC amount) available under the Agreement. If the Policy’s Face Amount after the decrease is less than the LTC amount before the face decrease, the LTC amount will be equal to the new decreased Face Amount. If you request a partial surrender of your Accumulation Value, the LTC amount is set equal to the LTC amount that was in effect immediately prior to the partial surrender, multiplied by the ratio of the Death Benefit of the Policy (without regard to any Policy loan) after the partial surrender to the Death Benefit of the Policy (without regard to any policy loan) immediately prior to the partial surrender. For example, if the Policy Death Benefit is $1,000,000 and the LTC amount is $500,000, a partial surrender of $100,000 would reduce the LTC amount to $450,000, which is calculated as follows: LTC amount before partial surrender ($500,000) multiplied by the ratio of the Death Benefit after partial surrender ($900,000) to the Death Benefit before partial surrender ($1,000,000) or $500,000 x $900,000/$1,000,000=$500,000 x .90=$450,000.The monthly charge for the LTC Agreement will be affected by changes in the long term care Net Amount at Risk. A decrease in the Policy Face Amount will change the long term care Net Amount at Risk even if the LTC amount does not change because the proportion of the Accumulation Value used to reduce the LTC amount to calculate long term care Net Amount at Risk will change. For example, if the Policy Face Amount is $1,000,000, the LTC amount is $500,000 and the Accumulation Value on the date of the Policy Face Amount reduction is $100,000, the long term care Net Amount at Risk is $450,000, calculated as follows: LTC amount ($500,000) minus $50,000, which is the product of the Accumulation Value ($100,000) and the ratio of the LTC amount to the Policy Face Value ($500,000/$1,000,000) or, $100,000 x .50=$50,000. If the Policy Face Value is reduced to $750,000, the new long term care Net Amount at Risk will be $433,333, calculated as follows: LTC amount ($500,000) minus $66,667, which is the product of the Accumulation Value ($100,000) and the ratio of the LTC amount to the Policy Face Value ($500,000/$750,000), or $100,000 x .66667=$66,667. The long term care Net Amount at Risk will not be impacted upon a partial surrender of the Accumulation Value.When you submit a request for benefits under this Agreement, we will determine the amount of your benefit as a monthly amount. In order to begin receiving monthly benefits after the insured is determined to be eligible, you will need to submit evidence that the insured is continuing to incur monthly long term care costs. We may require you to complete any benefit forms on a monthly basis. Payments will generally be paid within fifteen days of when we receive proof that monthly long term care services have been provided.The maximum monthly benefit will be the lesser of:1.The monthly benefit percentage you chose times the LTC amount in effect; or2.The per diem amount allowed by the Health Insurance Portability and Accountability Act times the number of days in the month.You may request to receive a monthly benefit less than the maximum we determine. Choosing a lesser amount could extend the length of the benefit period. If you request less than the maximum benefit, you may request that benefit amount be changed, however, we will never pay more than the maximum monthly benefit allowed under the Internal Revenue Code. We will continue to make benefit payments to you until: 100% of the LTC amount has been paid, the Insured is no longer eligible for the benefit, the Policy is surrendered, the Policy terminates when the Policy loan plus the unpaid Policy Loan Interest exceed the Accumulation Value, we receive a request to cancel this Agreement or the Insured dies.In order to continue receiving benefits, you must submit to us, on a monthly basis, evidence that the insured is receiving long term care services. This evidence generally includes invoices for long term care services the insured receives. We may also require, no more frequently than annually, a recertification by a licensed health care practitioner, that the insured is either (1) cognitively impaired or (2) unable to do at least two of the following activities of daily living: bathing, continence, dressing, eating, using the toilet facilities, or transferring (moving into or out of bed, chair, or wheelchair).If you do not send us evidence that the insured is receiving long term care services on a monthly basis, we will not send you the monthly benefit. If you do not submit evidence that the insured is receiving long term care services for a period of three consecutive months, you must submit a request to reinstate monthly benefits and provide additional information to us that the insured continues to be eligible for benefits under the Agreement. We will require i) recertification by a licensed health care practitioner that the insured is either (1) cognitively impaired or (2) unable to do at least two of the following activities of daily living: bathing, continence, dressing, eating, using the toilet facilities, or transferring (moving into or out of bed, chair, or wheelchair), ii) resubmission of a plan for qualified long term care services that is written by a licensed health care practitioner and which is based upon an assessment that the insured requires long term care services and iii) evidence that the insured is continuing to incur monthly long term care costs.If you have added the LTC Agreement, when you make a claim and we pay a long-term care benefit, we will automatically transfer all of your Policy’s Accumulation Value that is in the Fixed Indexed Accounts and the Variable Account to the Guaranteed Interest Account. Transfers of Accumulation Value from the Fixed Indexed Accounts will occur at the end of any applicable Segment Term. You will not be allowed to transfer amounts into either of the Fixed Indexed Accounts or the Variable Account when benefits payments are being made under this Agreement.We will waive the LTC Agreement charges while benefits are being paid under the Agreement. However, other Policy charges will continue to be assessed against your Accumulation Value. If your Accumulation Value goes to zero while long term care benefits are being paid under this Agreement, we will waive any additional Policy charges. While receiving LTC Agreement benefits, you may not increase the Policy Death Benefit; request a policy loan, or partial surrenders from the Policy. You may request to decrease the Death Benefit or request a partial surrender to make a Policy loan payment. A request for benefits under the Accelerated Death Benefit for Terminal Illness Agreement may also reduce the amount of benefits you may receive under the LTC Agreement.When we make a monthly benefit payment under this Agreement, we will reduce the amount of the Death Benefit by the monthly payment. We will waive the Policy Transaction Charge for the Death Benefit change made as a result of a benefit payment under this Agreement. We will also reduce the Accumulation Value in proportion to the reduction in the Death Benefit. The Accumulation Value following an LTC benefit payment will equal the Accumulation Value immediately prior to the LTC benefit payment multiplied by a factor. This factor will equal the Policy Death Benefit (without regard to any outstanding Policy loan) following the payment of an LTC benefit divided by the Policy Death Benefit (without regard to any outstanding Policy loan) immediately prior to the LTC benefit payment. If the Policy has an outstanding loan, a proportionate amount of the loan will be repaid with the monthly benefit, which will reduce the amount you receive.This Agreement will terminate when i) we have paid the maximum LTC amount, ii) the insured is no longer eligible for long term care benefits, iii) the Policy terminates due to the loan balance exceeding the Accumulation Value, iv) the Policy terminates due to the death of the Insured, v) the Policy terminates upon a complete surrender of the Policy, vi) you terminate the Agreement by Written Request to our Home Office, vii) or your Policy otherwise terminates because a partial surrender or other reduction in Accumulation Value leaves the Policy with insufficient amounts to cover Policy charges on the next monthly Policy Anniversary. See “Termination” and “Partial Surrender.”The Long Term Care Agreement was not available between 2017 and 2024.Long Term Care (“LTC”) Agreement – On or After 2025. The LTC Agreement is subject to underwriting approval and allows you to accelerate Death Benefits by receiving monthly benefit payments upon the insured meeting certain eligibility requirements. We will pay you a monthly benefit to assist with the expenses associated with the insured’s nursing home care or home health care. To be eligible for benefits under this Agreement, the insured must be certified by a licensed health care practitioner to be: (1) cognitively impaired or (2) unable to do, without substantial assistance, at least 2 of the following activities of daily living: bathing, continence, dressing, eating, using the toilet facilities, or transferring (moving into or out of bed, chair, or wheelchair). In addition, you must submit to us a plan for qualified long term care services that is written by a licensed health care practitioner and which is based upon an assessment that the insured requires long-term care services. Finally, the insured must also meet a 90-day waiting period, referred to as an elimination period, in which the insured is receiving long term care services. The long-term care elimination period begins when the insured is certified as a chronically ill individual. The long-term care elimination period is satisfied when the insured remains a chronically ill individual for 90 calendar days from the date of such certification. The elimination period has to be satisfied only once while this Agreement is in effect. The benefit payments made under this Agreement may not cover all of the Insured’s long term care costs. The long-term care benefits paid under this Agreement are intended to be “qualified long term care insurance” under federal tax law, and may not be taxable to the Owner. See “Tax Treatment of Policy Benefits.” You should consult your tax advisor about the tax impact of purchasing this Agreement.This Agreement will be subject to the incontestability provisions of the Policy, which are described in your Policy and in the Statement of Additional Information. See “Statement of Additional Information.”You will select the maximum amount of long-term care benefit (LTC amount) that you want when you purchase this Agreement. The LTC amount cannot be less than one hundred thousand dollars and cannot exceed the lesser of (i) the Policy Face Amount or (ii) five million dollars. You may also select a 24-month, 48-month, or 72-month benefit period that will be used to calculate your monthly benefit payment.The monthly charge for the Long Term Care Agreement is calculated by multiplying the monthly rate by the long term care Net Amount at Risk and dividing by one thousand. The long term care Net Amount at Risk will equal the greater of zero and the long term care amount less the benefit payments that have already been made minus the accumulation value.If you decrease the Face Amount of the Policy, we may lower the amount of long term care benefit (LTC amount) available under the Agreement. If the Policy’s Face Amount after the decrease is less than the LTC amount before the face decrease, the LTC amount will be equal to the new decreased Face Amount. If you request a partial surrender of your Accumulation Value, the LTC amount will equal the lesser of the long-term care amount that was in effect immediately prior to the partial surrender and the new face amount. The monthly charge for the LTC Agreement will be affected by changes in the long term care Net Amount at Risk, however the long term care Net Amount at Risk will not be impacted upon a partial surrender of the Accumulation Value, as both the LTC Face Amount and the Account Value will reduce by the same amount.When you submit a request for benefits under this Agreement, we will determine the amount of your benefit as a monthly amount. Payments will generally be paid within fifteen days of when we receive proof that monthly long term care services have been provided.The maximum monthly benefit will be the LTC amount in effect divided by the number of months in the benefit period you chose.You may request to receive a monthly benefit less than the maximum we determine. Choosing a lesser amount could extend the length of the benefit period. If you request less than the maximum benefit, you may request that benefit amount be changed, however, we will never pay more than the maximum monthly benefit allowed under the Internal Revenue Code. We will continue to make benefit payments to you until: i) 100% of the LTC amount has been paid, ii) the Insured is no longer eligible for the benefit, iii) the Policy is surrendered, iv) the Policy terminates when the Policy loan plus the unpaid Policy Loan Interest exceed the Accumulation Value, v) we receive a request to cancel this Agreement, vi) or the Insured dies.We will require periodic i) recertification by a licensed health care practitioner that the insured is either (1) cognitively impaired or (2) unable to do, without substantial assistance from another person, at least two of the following activities of daily living: bathing, continence, dressing, eating, using the toilet facilities, or transferring (moving into or out of bed, chair, or wheelchair) and , ii) resubmission of a plan for qualified long term care services that is written by a licensed health care practitioner and which is based upon an assessment that the insured requires long term care services.If you have added the LTC Agreement, when you make a claim and we pay a long-term care benefit, we will automatically transfer all of your Policy’s Accumulation Value that is in the Fixed Indexed Accounts and the Variable Account to the Guaranteed Interest Account. Transfers of Accumulation Value from the Fixed Indexed Accounts will occur at the end of any applicable Segment Term. You will not be allowed to transfer amounts into the Fixed Indexed Accounts or the Variable Account when benefits payments are being made under this Agreement.We will waive the LTC Agreement charges while benefits are being paid under the Agreement. However, other Policy charges will continue to be assessed against your Accumulation Value. If your Accumulation Value goes to zero while long term care benefits are being paid under this Agreement, we will waive any additional Policy charges. While receiving LTC Agreement benefits, you may not increase the Policy Death Benefit, request a policy loan, or request partial surrenders from the Policy. You may request to decrease the Death Benefit or request a partial surrender to make a Policy loan payment. A request for benefits under the Accelerated Death Benefit for Terminal Illness Agreement may also reduce the amount of benefits you may receive under the LTC Agreement.When we make a monthly benefit payment under this Agreement, we will reduce the amount of the death benefit proceeds by the monthly payment. We will also reduce the Accumulation Value in proportion to the portion of the Face Amount that has not yet been accelerated. The Accumulation Value following an LTC benefit payment will equal the Accumulation Value immediately prior to the LTC benefit payment multiplied by a factor. This factor will equal the cash indemnity benefit payment divided by the portion of the Face Amount that has not yet been accelerated. Cash indemnity benefit payments are payments made when the insured becomes chronically ill and has satisfied the elimination period. These payments are an acceleration of the death benefit and reduce the death benefit dollar for dollar of the benefit payment amount. If the Policy has an outstanding loan, a proportionate amount of the loan will be repaid with the monthly benefit, which will reduce the amount you receive. If the Death Benefit is $500,000 and the LTC amount is $500,000 and the Accumulation Value on the date of the Cash Indemnity Benefit Payment is $100,000. If the policy holder receives $10,000 as a Cash Indemnity Benefit payment, reduction to accumulation value will be $100,000 x ($10,000/$500,000) = $2,000 resulting in a new accumulation value of $98,000. The death benefit proceeds would be reduced by the amount of the Cash Indemnity Benefit Payment resulting in $500,000 - $10,000 = $490,000 paid upon death.This Agreement will terminate when i) the insured is no longer eligible for long term care benefits, ii) the Policy terminates due to the loan balance exceeding the Accumulation Value, iii) the Policy terminates due to the death of the Insured, iv) the Policy terminates upon a complete surrender of the Policy, v) you terminate the Agreement by Written Request to our Home Office, vi) or your Policy otherwise terminates because a partial surrender or other reduction in Accumulation Value leaves the Policy with insufficient amounts to cover Policy charges on the next monthly Policy Anniversary. See “Termination” and “Partial Surrender.”

Optional Benefit Charge, When Deducted [Text Block]

Long Term Care Agreement (Issued before 2017)(13)

Monthly, expressed as an amount of long term care Net Amount at RiskMonthly, expressed as an amount of long term care Net Amount at Risk

Optional Benefit Charge, Representative [Text Block]

Charge for Insured Age

55 in Male, Standard

Non-Tobacco Risk

Class, 2 Percent

Monthly Benefit

Percentage

Monthly, expressed as an

amount of long term care

Net Amount at Risk

$0.287 per $1,000

$0.110 per $1,000

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

5.429%

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

3.529%

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

0.0048%

Variable Universal Life Defender | Inflation Agreement

Optional Benefit Charge, When Deducted [Text Block]

Inflation Agreement(18)

MonthlyMonthly

Optional Benefit Charge, Representative [Text Block]

Current Charge for all

Insureds

Monthly

$0.83

Optional Benefit Expense, Maximum [Dollars]

$ 5.00

Optional Benefit Expense, Minimum [Dollars]

$ 0.50

The Inflation Agreement Charge is the same for all genders, Risk Classes, and Ages. See the Inflation Agreement discussion in the section entitled “Supplemental Agreements.”

Inflation Agreement

Allows for Cost of Living increases in the Face Amount of the Policy without providing evidence of the insured’s insurability

true

●Subject to insured providing evidence of insurability●Only available for insureds under Age fifty-seven ●Agreement only available at Policy issue

Inflation Agreement

Variable Universal Life Defender | Business Continuation Agreement

Inflation Agreement. The Inflation Agreement is no longer available for purchase for 2001 CSO policies. The Inflation Agreement provides you the ability to increase your Face Amount of insurance without underwriting every three years based upon increases in the cost of living (the “Cost of Living”) as measured by changes in the U.S. Department of Labor Consumer Price Index (“CPI”). On the third anniversary of the issue date of this Agreement, we will calculate a Cost of Living increase and automatically increase the face value of your Policy. We will calculate a Cost of Living Increase on every third Agreement anniversary until the insured reaches the Age of sixty. You may refuse to accept a Cost of Living increase; however, if you do so and the insured is over the Age of twenty-one, no further Cost of Living increases may be made. If the insured is under the Age of twenty-one at the time you refuse a Cost of Living increase, no additional Cost of Living increase offers will be made until after the insured turns Age twenty-one.The amount of the Cost of Living increase will be the lesser of (1) the Policy Face Amount multiplied by two times the increase in the CPI during the previous three years or (2) $100,000. The increase in the CPI is calculated by dividing the CPI on the date five months before the date of the Cost of Living increase by the CPI on the date forty-one months before the Cost of Living increase and subtracting one from that number.For example, if you have a Policy Face Amount of $1 million, and the CPI during the previous three-year period was calculated as 2.5%, you would have the option to increase the Face Amount by $50,000 (2.5% multiplied by 2, multiplied by the initial Face Amount of $1 million). In this hypothetical example, if the CPI was calculated at 5% or above, any increase to the Face Amount would be limited to $100,000 because the Policy Face Amount multiplied by two times the CPI during the previous three-year period would exceed the maximum $100,000 inflation increase.The Inflation Agreement is only available for insureds under the Age of fifty-seven, subject to underwriting approval. The charge shown for the Inflation Agreement is a monthly charge and will apply from the time the Inflation Agreement is added to the Policy until the date the Inflation Agreement terminates. The charge for the Inflation Agreement will not be affected by the purchase of additional insurance.The cost of insurance charge for any additional insurance will be calculated using the insured’s Age and the most recent underwritten Risk Class for the Policy at the time the cost of living increase is accepted. The cost of insurance charges for any additional insurance will be deducted monthly from the Policy’s Accumulation Value. There is no requirement to pay additional premium when adding additional insurance under the Inflation Agreement. However, accepting the additional insurance increases the cost of insurance charge under the Policy and it may be necessary to pay additional premium to cover the increased cost of insurance charge. The cost of insurance charge for the additional insurance is separate from and in addition to the charge you pay for purchasing the Inflation Agreement.The Inflation Agreement and the monthly charge deducted for the Inflation Agreement will terminate when the Inflation Agreement terminates. Additional insurance purchased under this Agreement will remain in force until: the Policy Face Amount is reduced or eliminated at the request of the Owner, the Policy terminates or the insured dies.The Inflation Agreement will terminate on the earliest of: 1) the Policy Anniversary nearest to the insured’s 59th birthday, 2) the date this Policy is terminated or surrendered, 3) the date we receive your Written Request in Good Order to terminate the Agreement, 4) the date you refuse a Cost of Living increase when the insured is over the Age of twenty-one and 5) the insured’s date of death.You should purchase the Inflation Agreement if you believe that the Policy Face Amount needs to keep pace with increases in cost of living as measured by the CPI and you are concerned about the insured’s ability to qualify for additional insurance coverage because of health or lifestyle concerns. If you purchase the Inflation Agreement and do not accept the additional insurance coverage or Face Amounts when offered, you will still pay a charge for the Inflation Agreement.Increasing your Face Amount of insurance may have adverse tax consequences. If you elect the Inflation Agreement, you should consult a tax advisor before increasing your Face Amount of insurance.

Optional Benefit Charge, When Deducted [Text Block]

Business Continuation Agreement(22)**

Monthly, expressed as an amount of additional insurance coverageMonthly, expressed as an amount of additional insurance coverage

Optional Benefit Charge, Representative [Text Block]

Charge for Insured

Male, Standard

Non-Tobacco, Age 40,

Designated Insured

Male Non-Tobacco, Age

Monthly, expressed as an

amount of additional

insurance coverage

$0.013 per $1,000

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

0.328%

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

0.328%

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

0.0083%

The Business Continuation Agreement Charge varies based upon the insured’s Age and tobacco status. See the Business Continuation Agreement discussion in the section entitled “Supplemental Agreements.” (23)The maximum Business Continuation Charge assumes that the insured has the following characteristics: Insured Male, Standard Tobacco, Age 55, Designated Insured Male Standard Tobacco, Age 70. (24)The minimum Business Continuation Charge assumes that the insured has the following characteristics: Insured Male, Standard Non-Tobacco, Age 18, Designated Insured Male Non-Tobacco, Age 18.

Business Continuation Agreement

Guarantees the Policy Owner the right to increase the Face Amount of the Policy upon the death of a designated person

true

No longer available for purchase

Business Continuation Agreement

Variable Universal Life Defender | Guaranteed Insurability Option for Business Agreement

Business Continuation Agreement. The Business Continuation Agreement (”BCA“) is no longer available to purchase. The BCA guarantees you the right to increase the Face Amount of this Policy, referred to as a new coverage layer, without evidence of insurability, at the death of a designated life.You should purchase the BCA if you believe that the future death of a designated life will result in your need for additional Death Benefit and you are concerned about the insured’s ability to qualify for additional insurance coverage because of health or lifestyle concerns. If you purchase the BCA and do not exercise the right to purchase additional coverage layers during an Option Period, you will still pay a charge for the BCA.The applicant will name the person or persons who will serve as the designated life in the Application for this Agreement. There may be as many as five designated lives and the person or persons named as designated lives must also be underwritten and approved for a separate life insurance policy at the time of your Application. A designated life may not be changed after the Policy is issued.The minimum amount of additional coverage layer available for each designated life is $5,000 and the maximum amount of additional coverage layer available is the lesser of $10,000,000 or two times the Face Amount of the base Policy on which the BCA is added. At the time the BCA is purchased, the Policy Owner will specify the amount of additional coverage layer that will be available upon the death of the designated life. In addition, at the time the BCA is issued, both the insured and each designated life will be required to provide us evidence of insurability satisfactory to us.The amount of the coverage layer for each designated life will begin to be phased out at the Policy Anniversary nearest to the insured’s Age 76. The phase out amount is equal to the maximum amount of additional coverage layer chosen for the designated life, multiplied by the percentage corresponding to the anniversary nearest the insured’s Age for each Policy Anniversary as shown in the following table:

Anniversary Nearest Insured’s Age	Percentage
Prior to Age 76	100%
Age 76	80%
Age 77	60%
Age 78	40%
Age 79	20%
Age 80	0%

Optional Benefit Charge, When Deducted [Text Block]

Guaranteed Insurability Option for Business(19)**

Monthly, expressed as an amount of additional insurance coverageMonthly, expressed as an amount of additional insurance coverage

Optional Benefit Charge, Representative [Text Block]

Charge for Insured

Male Standard

Non-Tobacco, Age 45

Monthly, expressed as an

amount of additional

insurance coverage

$0.273 per $1,000

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

0.602%

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

0.602%

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

0.065%

The Guaranteed Insurability Option for Business (GIOB) Charge varies based upon the insured’s Age and tobacco status. See the Guaranteed Insurability Option for Business discussion in the section entitled “Supplemental Agreements.” (20)The maximum Guaranteed Insurability Option for Business Charge assumes that the insured has the following characteristics: Male, Standard Tobacco, Age 54. (21)The minimum Guaranteed Insurability Option for Business Charge assumes that the insured has the following characteristics: Female, Standard Non-Tobacco, Age 18.

Guaranteed Insurability Option for Business Agreement

Guarantees a business Policy Owner the right to purchase additional amounts of insurance on the insured’s life on specified dates without providing evidence of insurability

true

No longer available for purchase

Guaranteed Insurability Option for Business Agreement

Variable Universal Life Defender | Premium Deposit Account Agreement

Guaranteed Insurability Option for Business. The Guaranteed Insurability Option for Business Agreement (”GIOB“) is no longer available to purchase. The GIOB guarantees you the ability to purchase additional amounts of insurance coverage, which is also referred to as additional coverage layers, on the insured’s life on as many as five specified Option Dates without additional underwriting.You should purchase the GIOB if you believe that future changes in the insured’s life (e.g. death of a business partner, increase in business value) will result in your need for additional Death Benefit and you are concerned about the insured’s ability to qualify for additional coverage because of the health or lifestyle concerns. If you purchase the GIOB and do not exercise the right to purchase additional insurance coverage or Face Amounts on the exercise date, you will still pay a charge for the GIOB.The minimum amount of additional coverage layer available is $10,000 and the maximum amount of additional coverage layer available is the lesser of $200,000 or 20% of the Face Amount of the base Policy on which the GIOB is added. At the time the GIOB is purchased, the Policy Owner will specify the maximum amount of insurance coverage or additional coverage layer that may be added to the Policy on each specified Option Date, which must be between $100,000 and $200,000. If premiums or charges are being waived because the insured is totally disabled, the additional coverage layer increase available will be limited to one-half of the maximum you chose when you applied for the Policy. The GIOB is only available for insureds between the Ages of eighteen and fifty-two. The Policy Owner may purchase the GIOB at issue subject to underwriting of the insured. After August 22, 2015, the Policy Owner may also add the GIOB after the Policy is issued, subject to underwriting of the insured. The charge shown for the GIOB is a monthly charge and will apply from the time the GIOB is added to the Policy until the date the GIOB terminates. The GIOB will terminate on;(1)the last available Option Date (described below); or(2)the date the policy is surrendered or terminated; or(3)the date we receive your Written Request to cancel this Agreement; or(4)the date of the insured’s death.For example, you own a business with another individual, Individual A, and your business’ buy-sell agreement provides for the mandatory buyout of an owner’s equity in the business in the event of an owner’s death. Because the value of your business is increasing in value, you decide to purchase a Policy on the life of Individual A with a $500,000 Face Amount along with the GIOB to help fund the buyout in the event of Individual A’s death. At the time you purchase the Policy and GIOB, Individual A is 41 years old. Under the terms of the GIOB, you may purchase additional insurance coverage layers on the Option Dates where Individual A is 43, 46, 49, 52 and 55 years old. When you purchase the GIOB, you must select the amount of the additional coverage layers between $10,000, the minimum additional coverage layer under the GIOB, and $100,000, representing 20% of the $500,000 Face Amount. If you select $20,000 for each additional coverage layer, you will have the option to purchase $20,000 in additional coverage on each of the Option Dates described above for a total of$100,000 in additional coverageThe GIOB charge varies based upon the insured’s Age and tobacco status. The charge for the GIOB will not be affected by the purchase of the additional coverage layer on a specified Option Date.The GIOB guarantees that the Policy Owner will be able to purchase an additional coverage layer on specified Option Dates. The specified Option Dates vary by Issue Age. On each available Option Date, the Policy Owner will be able to purchase an additional coverage layer up to the maximum amount elected under the GIOB. The following table shows the Option Dates available based upon the Age of the insured when the GIOB is issued:

Option Dates

Issue Age

18-21

√

22-24

√

25-27

√

28-30

√

31-33

√

34-36

√

37-39

√

40-42

√

43-45

√

46-48

√

49-51

√

Premium Deposit Account Agreement

Provides the Policy Owner with an option to deposit funds into an account to ensure that planned Premium payments are made on the Policy Anniversary

true

May only have one Premium Deposit Account per Policy

Premium Deposit Account Agreement

Variable Universal Life Defender | Accelerated Death Benefit for Chronic Illness Agreement

Premium Deposit Agreement. The Premium Deposit Agreement allows you to send us up to three payments to pay your annual premium for a period of two to ten years. For each PDA payment you give us, we may require you to pay an initial premium on the date you send us the PDA payment. The initial premium is not part of the PDA account and does not count towards the maximum of three payments into the PDA. The payments will be held in a Premium Deposit Account, a part of our General Account, and interest will be credited on those payments. We will credit an annual rate of interest at least equal to a minimum annual rate of interest of 0.50%, the PDA Minimum Rate, on each payment to the Premium Deposit Account for the duration the payment remains in the Premium Deposit Account. In our sole discretion, we may credit an annual rate of interest higher than the PDA Minimum Rate on payments to the Premium Deposit Account for the duration the payment remains in the Account. We will provide you with the current Premium Deposit Account interest rate upon request.The Premium Deposit Agreement is not subject to underwriting. You should consider adding this Agreement to your Policy if you want to only make three or fewer payments during the life of the Policy and would like us to automatically pay your Policy premiums for the periods you elect. There is no charge for this Agreement.Each year, we will withdraw a portion of the payment(s) held in a Premium Deposit Account and pay from our General Account interest credited on that amount to pay your annual premium. Amounts held in the Premium Deposit Account may only be used to pay Policy premiums.When you add the Premium Deposit Agreement to your Policy, we will send you a confirmation showing the annual withdrawal from the Premium Deposit Agreement account and the interest we will credit on that amount. The following example demonstrates how the Premium Deposit Agreement works:The Policy Owner requests the Premium Deposit Account and wishes to have 10 annual premium payments of $10,000 each. Assuming an interest rate of 2.75%, we would require a deposit into the Premium Deposit Account of $78,776.78. The initial $10,000 premium payment would need to be made in addition to the deposit into the Premium Deposit Account. The following chart depicts the withdrawals and interest earned for each Premium payment made from the Premium Deposit Amount:

Annual Premium Payment Year	Annual Premium to be Paid	Amount Withdrawn from PDA	Taxable Interest Earned
2	$10,000.00	$9,732.36	$267.64
3	$10,000.00	$9,471.88	$528.12
4	$10,000.00	$9,218.38	$781.62
5	$10,000.00	$8,971.66	$1,028.34
6	$10,000.00	$8,731.54	$1,268.46
7	$10,000.00	$8,497.85	$1,502.15
8	$10,000.00	$8,270.41	$1,729.59
9	$10,000.00	$8,049.06	$1,950.94
10	$10,000.00	$7,833.64	$2,166.36

Optional Benefit Charge, When Deducted [Text Block]

Accelerated Death Benefit for Chronic Illness Agreement(27)

Monthly, expressed as an amount of chronic illness Net Amount at RiskMonthly, expressed as an amount of chronic illness Net Amount at Risk

Optional Benefit Charge, Representative [Text Block]

Charge for Insured Age

55 in Male, Standard

Non-Tobacco Risk

Class, 2 Percent

Monthly Benefit

Percentage

Monthly, expressed as an

amount of chronic

illness Net Amount at

Risk

$0.287167 per $1,000

$0.11 per $1,000

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

3.619%

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

2.353%

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

0.00483%

See the Accelerated Death Benefit for Chronic Illness Agreement discussion in the section entitled “Supplemental Agreements.” (28)The maximum Accelerated Death Benefit for Chronic Illness Agreement Charge assumes that the insured has the following characteristics: Female, Standard Tobacco, Issue Age 80, 4% monthly benefit. (29)The minimum Accelerated Death Benefit for Chronic Illness Agreement Charge assumes that the insured has the following characteristics: Female, Preferred Non-Tobacco, Issue Age 20, 2% monthly benefit.

Accelerated Death Benefit for Chronic Illness Agreement. You may add the Accelerated Death Benefit for Chronic Illness Agreement to your Policy to provide for an acceleration of the Death Benefit in the event the insured meets the Agreement’s eligibility requirements. The tax treatment of chronic illness benefit payments from life insurance policies is uncertain. All or a portion of such payments could be taxable to the Policy Owner. Anyone contemplating purchasing a Policy with the Accelerated Death Benefit for Chronic Illness Agreement should consult a tax advisor.

Accelerated Death Benefit for Chronic Illness Agreement

Allows the Policy Owner to accelerate the Death Benefit in the event the insured meets the requirements for being chronically ill

true

●Subject to insured providing evidence of insurability●Agreement only available at Policy issue

Accelerated Death Benefit for Chronic Illness Agreement

Variable Universal Life Defender | Accidental Death Benefit Agreement

Accelerated Death Benefit for Chronic Illness Agreement. The Accelerated Death Benefit for Chronic Illness Agreement is subject to underwriting approval and allows you to accelerate Death Benefits by receiving monthly chronic illness benefit payments upon the insured meeting certain eligibility requirements. To be eligible for benefits under this Agreement, the insured must be chronically ill. A chronically ill individual is one who has been certified by a licensed health care practitioner to be: (1) severely cognitively impaired or (2) unable to perform, without substantial assistance, at least 2 of the following activities of daily living: bathing, continence, dressing, eating, using the toilet facilities, or transferring (moving into or out of bed, chair, or wheelchair) for a period of at least 90 days. Finally, the insured must also meet a 90-day waiting period, referred to as an elimination period, in which the insured is chronically ill during the entire 90-day period. The elimination period has to be satisfied only once while this Agreement is in effect.The benefits paid under this Agreement are not intended to be “qualified long term care insurance” under federal tax law, and may be taxable to the Owner. See “Principal Risks of Investing in the Policy.” You should consult your tax advisor about the tax impact of purchasing this Agreement.We will consider Applications for the Agreement if the insured is chronically ill; however, it is unlikely that the insured’s evidence of insurability will be satisfactory for issuing the Agreement. This Agreement will be subject to the incontestability provisions of the Policy, which are described in your Policy and in the Statement of Additional Information. See “Statement of Additional Information.”You will select the maximum amount of Chronic Illness Death Benefit Amount that you want when you purchase this Agreement. The Chronic Illness Death Benefit Amount cannot be less than one hundred thousand dollars and cannot exceed the lesser of (i) the Policy Face Amount or (ii) five million dollars. You may also select either a two percent (2%) or four percent (4%) monthly benefit percentage that will be used to calculate your monthly benefit payment.For example, if you have a Policy with a $1 million Face Amount and the insured meets the requirements for being chronically ill, you can request to accelerate a portion of your Death Benefit. In this example, if you choose to accelerate $250,000 of the Death Benefit, the Policy’s Face Amount will be decreased by the accelerated amount. After receiving the $250,000 accelerated payment, your remaining Death Benefit would be $750,000, and you would continue to pay premiums and charges based on the new $750,000 Face Value instead of the original $1 million Face Value.The monthly charge for the Agreement is calculated by multiplying the monthly rate by the chronic illness Net Amount at Risk and dividing by one thousand. The chronic illness Net Amount at Risk is equal to the greater of i) zero or ii) an amount that is calculated monthly using the Chronic Illness Death Benefit Amount chosen by you when you purchase the Agreement. Chronic illness Net Amount at Risk is calculated by subtracting a portion of the Accumulation Value from the Chronic Illness Death Benefit Amount. The portion of Accumulation Value for this calculation is found by multiplying the Accumulation Value, as of the date we take the charge, by a fraction, the numerator of which is the Chronic Illness Death Benefit Amount and the denominator is the Policy Face Amount.If you decrease the Face Amount of the Policy, we may lower the amount of Chronic Illness Death Benefit Amount available under the Agreement. If the Policy’s Face Amount after the decrease is less than the Chronic Illness Death Benefit Amount before the face decrease, the Chronic Illness Death Benefit Amount will be equal to the new decreased Face Amount. If you request a partial surrender of your Accumulation Value, the Chronic Illness Death Benefit Amount is set equal to the Chronic Illness Death Benefit Amount that was in effect immediately prior to the partial surrender, multiplied by the ratio of the Death Benefit of the Policy (without regard to any Policy loan) after the partial surrender to the Death Benefit of the Policy (without regard to any policy loan) immediately prior to the partial surrender. For example, if the Policy Death Benefit is $1,000,000 and the Chronic Illness Death Benefit Amount is $500,000, a partial surrender of $100,000 would reduce the Chronic Illness Death Benefit Amount to $450,000, which is calculated as follows: Chronic Illness Death Benefit Amount before partial surrender ($500,000) multiplied by the ratio of the Death Benefit after partial surrender ($900,000) to the Death Benefit before partial surrender ($1,000,000) or $500,000 x $900,000/$1,000,000 = $500,000 x .90 = $450,000.The monthly charge for the Agreement will be affected by changes in the chronic illness Net Amount at Risk. A decrease in the Policy Face Amount will change the chronic illness Net Amount at Risk even if the Chronic Illness Death Benefit Amount does not change because the proportion of the Accumulation Value used to reduce the Chronic Illness Death Benefit Amount to calculate chronic illness Net Amount at Risk will change. For example, if the Policy Face Amount is $1,000,000, the Chronic Illness Death Benefit Amount is $500,000 and the Accumulation Value on the date of the Policy Face Amount reduction is $100,000, the chronic illness Net Amount at Risk is $450,000, calculated as follows: Chronic Illness Death Benefit Amount ($500,000) minus $50,000, which is the product of the Accumulation Value ($100,000) and the ratio of the Chronic Illness Death Benefit Amount to the Policy Face Value ($500,000/$1,000,000) or, $100,000 x .50 = $50,000. If the Policy Face Value is reduced to $750,000, the new chronic illness Net Amount at Risk will be $433,333, calculated as follows: Chronic Illness Death Benefit Amount ($500,000) minus $66,667, which is the product of the Accumulation Value ($100,000) and the ratio of the Chronic Illness Death Benefit Amount to the Policy Face Value ($500,000/$750,000), or $100,000 x .66667 = $66,667. The chronic illness Net Amount at Risk will not be impacted upon a partial surrender of the Accumulation Value.When you submit a request for benefits under this Agreement, we will determine the amount of your benefit as a monthly amount. The monthly chronic illness benefit payments will begin once an insured is determined to be eligible to receive benefits. In order to continue receiving benefits, we may require, no more frequently than annually, a recertification by a licensed health care practitioner, that the insured is either (1) cognitively impaired or (2) unable to do at least two of the following activities of daily living: bathing, continence, dressing, eating, using the toilet facilities, or transferring (moving into or out of bed, chair, or wheelchair). The maximum monthly benefit will be the lesser of:1.The monthly benefit percentage you chose times the Chronic Illness Death Benefit Amount in effect; or2.The per diem amount allowed by the Health Insurance Portability and Accountability Act times the number of days in the month.You may request to receive a monthly benefit less than the maximum we determine. Choosing a lesser amount could extend the length of the benefit period. If you request less than the maximum benefit, you may request that benefit amount be changed; however, we will never pay more than the maximum monthly benefit allowed under the Internal Revenue Code. We will continue to make benefit payments to you until: 100% of the Chronic Illness Death Benefit Amount has been paid, the insured is no longer eligible for the benefit, the Policy is surrendered, the Policy terminates when the Policy loan plus the unpaid Policy Loan Interest exceed the Accumulation Value, we receive a request to cancel this Agreement or the insured dies.If you have added the Agreement, when you make a claim and we make a chronic illness benefit payment, we will automatically transfer all of your Policy’s Accumulation Value that is in the Fixed Indexed Accounts and the Variable Account to the Guaranteed Interest Account. Transfers of Accumulation Value from the Fixed Indexed Accounts will occur at the end of any applicable Segment Term. You will not be allowed to transfer amounts into either of the Fixed Indexed Accounts or the Variable Account when benefits payments are being made under this Agreement.Although the allocation of your Accumulation Value in the Fixed Indexed Accounts or Variable Accounts to the Guaranteed Interest Account may have the effect of mitigating declines in your Policy Accumulation Value in the event of a significant decline in equity market valuations, doing so will also generally result in your Policy Accumulation Value increasing to a lesser degree than the equity markets when the value of equity investments rise. This may deprive you of the benefits of increases in equity market values under your Policy.We will waive the Agreement charges while benefits are being paid under the Agreement. However, other Policy charges will continue to be assessed against your Accumulation Value. If your Accumulation Value goes to zero while chronic illness benefit payments are being made under this Agreement, we will waive any additional Policy charges. While receiving chronic illness benefit payments, you may not increase the Policy Death Benefit, request a policy loan, partial surrenders from the Policy, or make any other transactions.When we make a chronic illness benefit payment under this Agreement, we will reduce the amount of the Death Benefit by the monthly payment. We will waive the Policy Transaction Charge for the Death Benefit change made as a result of a benefit payment under this Agreement. We will also reduce the Accumulation Value in proportion to the reduction in the Death Benefit. The Accumulation Value following a chronic illness benefit payment will equal the Accumulation Value immediately prior to the chronic illness benefit payment multiplied by a factor. This factor will equal the Policy Death Benefit (without regard to any outstanding Policy loan) following the payment of a chronic illness benefit payment divided by the Policy Death Benefit (without regard to any outstanding Policy loan) immediately prior to the chronic illness benefit payment. If the Policy has an outstanding loan, a proportionate amount of the loan will be repaid with the monthly benefit, which will reduce the amount you receive.This Agreement will terminate when i) we have paid the maximum Chronic Illness Death Benefit Amount, ii) the insured is no longer eligible for chronic illness benefit payments, iii) the Policy terminates due to the loan balance exceeding the Accumulation Value, iv) the Policy terminates due to the death of the insured, v) the Policy terminates upon a complete surrender of the Policy, vi) you terminate the Agreement by Written Request to our Home Office, vii) or your Policy otherwise terminates because a partial surrender or other reduction in Accumulation Value leaves the Policy with insufficient amounts to cover Policy charges on the next monthly Policy Anniversary. See “Termination” and “Partial Surrender.”

Optional Benefit Charge, When Deducted [Text Block]

Accidental Death Benefit Agreement**

Monthly, expressed as an amount of Face AmountMonthly, expressed as an amount of Face Amount

Optional Benefit Charge, Representative [Text Block]

Charge for Insured Age

50 in Male, Standard

Non-Tobacco Risk

Class, with Level

Option Death Benefit

Monthly, expressed as an

amount of Face Amount

$0.08 per $1,000

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

0.14%

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

0.14%

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

0.01%

The maximum Accidental Death Benefit Agreement Charge assumes that the insured has the following characteristics: Male, Standard Tobacco, Issue Age 70. (7)The minimum Accidental Death Benefit Agreement Charge assumes that the insured has the following characteristics: Male, Preferred Non-Tobacco, Issue Age 0.

Accidental Death Benefit Agreement

Provides the Policy Owner with an increased Death Benefit in the event the insured dies by accidental injury

true

No longer available for purchase

Variable Universal Life Defender | Death Benefit Guarantee Flex Agreement

Accidental Death Benefit Agreement

Optional Benefit Charge, When Deducted [Text Block]

Death Benefit Guarantee Flex Agreement**

Monthly, expressed as an amount of Initial Face Amount or Face Amount increase including any Level Term Insurance Face AmountMonthly, expressed as an amount of Initial Face Amount or Face Amount increase including any Level Term Insurance Face Amount

Optional Benefit Charge, Representative [Text Block]

Charge for Insured

Male Standard

Non-Tobacco, Level

Death Benefit Option

Age 55

Monthly, expressed as an

amount of Initial Face

Amount or Face

Amount increase

including any Level

Term Insurance Face

Amount

$0.087 per $1,000

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

0.34%

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

0.34%

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

0.24%

The maximum Death Benefit Guarantee Flex Charge assumes that the insured has the following characteristics: Female, Standard Tobacco, Age 75. (26)The minimum Death Benefit Guarantee Flex Charge assumes that the insured has the following characteristics: Female, Preferred Non-tobacco, Age 0.

Death Benefit Guarantee Flex Agreement. The Agreement guarantees that your policy will remain in force even if your Policy’s Accumulation Value is not sufficient to cover monthly charges when due so long as the DBGA value (as defined under the DBGF Agreement) less any outstanding policy loans and accrued loan interest is sufficient to cover any charges against the DBGA value. Your allocation of Net Premium and Accumulation Value among the Guaranteed Interest Account, Fixed Indexed Accounts and Sub-Accounts of the Variable Account will affect your DBGA value. Each Investment Option is assigned a percentage (“DBGA Account Allocation Factor”) that is multiplied by the amount of Net Premium or Accumulation Value allocated to that Option for purposes of determining the DBGA value attributable to that allocation. Sub-Accounts of the Variable Account that invest in Funds that employ a manage volatility strategy (the “Designated Funds”) have the highest DBGA Account Allocation Factors. As a result of the DBGA Account Allocation Factors attributable to Sub-Accounts that invest in Designated Funds (“Designated Sub-Accounts”) the allocation of Net Premium and Accumulation Value to Designated Sub-Accounts has the potential to result in higher DBGA values when compared to allocations to other Investment Options under the Policy. Currently, eight Designated Funds are available under the Policy. There is a risk that the Net Premium and Accumulation Value allocations you make could result in your DBGA value falling to a level that is insufficient to cover charges against the DBGA value sooner than you anticipated, and in turn, result in termination of the DBGA Agreement. See “Supplemental Agreements — Death Benefit Guarantee Flex Agreement.”

Death Benefit Guarantee Flex Agreement

Provides the Policy will remain in force even if the Accumulation Value is not sufficient to cover monthly charges when due as long as the DBGF value (as defined in the Agreement) less any outstanding policy loans and accrued loan interest is sufficient to cover any charges against the DBGF value

true

No longer available for purchase

Death Benefit Guarantee Flex Agreement

Variable Universal Life Defender | No Lapse Guarantee Agreement

Death Benefit Guarantee Flex Agreement. The Death Benefit Guarantee Flex Agreement (DBGF Agreement) is no longer available for purchase. The DBGF Agreement provides that the Policy will remain in force even if the Accumulation Value is not sufficient to cover monthly charges when due, as long as, the DBGA value (as defined in the Agreement) less any outstanding policy loans and accrued loan interest is sufficient to cover any charges against the DBGA value. For example, if a Policy has an Accumulation Value of $25,000 and an outstanding loan of $25,000, it will not have sufficient Accumulation Value from which we can subtract policy charges. If the DBGA value minus the loan value of $25,000 and any accrued interest is sufficient to cover any charges against the DBGA value, the Policy will not terminate at that time.You should purchase the DBGF Agreement if you are concerned about the policy lapsing due to low Accumulation Value. However, in times of positive market performance your Accumulation Value may never fall to a level insufficient to cover charges, and therefore, the benefit of the DBGF Agreement may not be realized.Your allocation of Net Premium and Accumulation Value among the Guaranteed Interest Account, Fixed Indexed Accounts and the Sub-Accounts of the Variable Account affects your DBGA value. Each Investment Option is assigned a specified percentage, the DBGA Account Allocation Factor, that is multiplied by the amount of any DBGA Net Premium or Accumulation Value allocated to that Option for purposes of determining the DBGA value attributable to that allocation. The current DBGA Account Allocation Factors are as follows:

Investment Option	DBGA Account Allocation Factor
Guaranteed Interest Account	80 %
Fixed Indexed Account	80 %
Designated Sub-Accounts	100 %
Other Sub-Accounts	80 %

Investment Option	DBGA Performance Credit Factor
Guaranteed Interest Account	70 %
Fixed Indexed Account	70 %
Designated Sub-Accounts .	90 %
Other Sub-Accounts	70 %

Optional Benefit Charge, When Deducted [Text Block]

No Lapse Guarantee Agreement

Optional Benefit Charge, Representative [Text Block]

Charge for Insured

Male Standard

Non-Tobacco, Level

Death Benefit Option

Age 55

Monthly, expressed as an

amount of Initial Face

Amount or Face

Amount increase

including any Level

Term Insurance Face

Amount

$0.087 per $1,000

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

0.33%

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

0.33%

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

0.024%

The maximum No Lapse Guarantee Agreement Charge assumes that the insured has the following characteristics: Female, Standard Tobacco, Age 75. (33)The minimum No Lapse Guarantee Agreement Charge assumes that the insured has the following characteristics: Female, Preferred, Non-Tobacco, Age 0.

No Lapse Guarantee Agreement

Provides the Policy will remain in force even if the Accumulation Value is not sufficient to cover monthly charges when due as long as the NLGA value (as defined in the Agreement) less any outstanding policy loans and accrued loan interest is sufficient to cover any charges against the NLGA value

true

●The percentage of any Net Premiums allocated to any variable Sub-Account will be limited to the maximum variable Sub-Account percentage●Agreement only available at Policy issue

No Lapse Guarantee Agreement

Variable Universal Life Defender | Dollar Cost Averaging

No Lapse Guarantee Agreement. The No Lapse Guarantee Agreement (“NLGA”) is no longer available for purchase for 2001 CSO policies. The NLGA provides that the Policy will remain in force even if the Accumulation Value is not sufficient to cover monthly charges when due, as long as, the NLGA value (as defined in the Agreement) less any outstanding policy loans and accrued loan interest is sufficient to cover any charges against the NLGA value. For example, if a Policy has an Accumulation Value of $25,000 and an outstanding loan of $25,000, it will not have sufficient Accumulation Value from which we can subtract policy charges. If the NLGA value minus the loan value of $25,000 and any accrued interest is sufficient to cover any charges against the NLGA value, the Policy will not terminate at that time.You should purchase the NLG Agreement if you are concerned about the policy lapsing due to low Accumulation Value. However, in times of positive market performance your Accumulation Value may never fall to a level insufficient to cover charges, and therefore, the benefit of the NLG Agreement may not be realized. The NLGA Net Premium is the premium payment less the NLGA premium charge assessed against the premium. On the date the initial Net Premium is paid under the Policy, the NLGA value for the Policy is equal to the NLGA Net Premium paid.For any date after the date we receive your initial Net Premium, the NLGA value for the Policy is equal to:1.the prior NLGA value; plus2. interest, using the NLGA interest rate shown on the policy data pages, earned since the prior day; plus3. any NLGA Net Premium applied since the prior day; minus4.any NLGA partial surrender amount (see below); minus5.the deduction of the NLGA Cost of Insurance and NLGA Policy Issue Charges from NLGA value; minus6.Transaction Charges, Cash Extra Charge and any charges for supplemental insurance benefits.The NLGA value is not a value you may take a loan against or access by talking a partial surrender. A partial surrender of Policy Accumulation Value will reduce the NLGA value by the NLGA Partial Surrender Amount which is the greater of i) the amount of the partial surrender or ii) the NLGA value (before the partial surrender) multiplied by a fraction, the numerator of which is the amount of the partial surrender and the denominator of which is the Accumulation Value (before the partial surrender). The NLGA value is used solely to determine whether or not the Policy terminates when the Accumulation Value falls to a level that is insufficient to cover charges against the Accumulation Value. We will provide the policy owner with the amount of the NLGA value upon request. We assess a separate monthly charge for this Agreement.If your Policy’s Accumulation Value is not sufficient to cover monthly charges when due and your NLGA value less any outstanding Policy loans and accrued loan interest is insufficient to cover any charges against the NLGA value, a 61-day Grace Period will begin. See “Termination and Reinstatement — Termination” for information regarding the notice we will provide when a Policy enters the Grace Period and the steps to prevent termination of the Policy.When the NLG Agreement is issued, we will not accept any initial premium or premium for any subsequent Policy Years that exceeds the annual premium limit for the NLGA Agreement. You can obtain the amount of your NLG Agreement annual premium limit by requesting a personalized Policy illustration. We also identify the NLG annual premium limit in the policy data pages. The NLG Agreement annual premium limit also applies where we receive cash value from another policy in an exchange under Section 1035 or otherwise. We will waive the annual premium limit for the NLG Agreement only to the extent that the premium in excess of the annual premium limit is necessary to prevent the policy from terminating prior to the next Policy Anniversary. There are also limitations on Net Premium allocations while the agreement is in force. The percentage of any Net Premiums allocated to any variable Sub-Account will be limited to the maximum variable Sub-Account percentage as defined in the policy. While the Agreement is in force, no requested transfer or systematic transfer may be allocated to a variable Sub-Account where the percentage of the total accumulation value in the Sub-Account prior to the requested transfer or systematic transfer exceeds the maximum variable Sub-Account percentage. These investment restrictions are designed to limit high allocations to any one Sub-Account. These investment restrictions, which are designed to prevent an overconcentration of risk in any single Sub Account, are enforced prior to any investment or investment allocation changes. We reserve the right at a future time to restrict the allocation for transfers, rebalancing, and additional premiums to any one variable Sub-Account by the maximum variable Sub-Account percentage shown on the policy’s data pages. Additionally, for a requested transfer or systematic transfer, the percentage allocated to any one variable Sub-Account must not exceed the maximum variable Sub-Account percentage of the transfer or systematic transfer amount. We reserve the right to waive and/or otherwise change the maximum variable Sub-Account percentage limitations. For the avoidance of doubt, if in the future we reinstate the maximum variable Sub-Account percentage while the limitation is being waived, or increase the maximum variable Sub-Account percentage while the limitation is being reduced, any such change will only apply on prospective transactions, and in any event, the maximum variable Sub-Account percentage will never be greater than that shown on the policy’s data pages. Please contact as us at 1-844-208-2412 to see if the maximum variable Sub-Account percentage limitation is currently being waived.Automatic Rebalancing, as defined in the agreement is required while the agreement is in force. The following automatic rebalancing requirements must be maintained.The frequency of the automatic rebalancing must be at least quarterly. The percentage allocated to any variable Sub-Account may be limited to the maximum variable Sub-Account percentage.

Dollar Cost Averaging

Allows for allocation of money from the General Account to sub-accounts evenly over a period of time

true

Dollar cost averaging transfers will only take place on the Interim Account Transfer Date

Variable Universal Life Defender | Rebalancing

Dollar Cost Averaging

Rebalancing

Automatically reallocates money among each of the chosen Sub-Accounts and/or the Guaranteed Interest Account on set dates throughout the year

true

Rebalancing is subject to our limitations on market-timing and frequent trading activities and Portfolio limitations on the frequent purchase and redemption of shares

Variable Universal Life Defender | Systematic Transfers

Rebalancing

Systematic Transfers

Automatically transfers money from one Sub-Account and/or the Guaranteed Interest Account to one or more other Sub-Accounts, one or more Fixed Indexed Accounts and/or the Guaranteed Interest Account on specified dates

true

Systematic transfers are subject to our limitations on market-timing and frequent trading activities and Portfolio limitations on the frequent purchase and redemption of shares

Variable Universal Life Defender | Policy Change Transaction

Systematic Transfers

Other Transaction Fee, Description [Text Block]

Policy Change Transaction Charge

Other Transaction Fee, When Deducted [Text Block]

Upon change in Face Amount, Death Benefit option, or Risk Class

Other Transaction Fee, Maximum [Dollars]

$ 100

Other Transaction Fee, Current [Dollars]

$ 60

Variable Universal Life Defender | Illustrative Report

Other Transaction Fee, Description [Text Block]

Illustrative Report Charge(2)

Other Transaction Fee, When Deducted [Text Block]

When an additional Illustrative Report is requested

Other Transaction Fee, Maximum [Dollars]

$ 250

Other Transaction Fee, Current [Dollars]

$ 0

Other Transaction Fee (of Other Amount), Footnotes [Text Block]

The charge for Illustrative Reports will apply when the Policy Owner requests more than one Illustrative Report in one year.

Variable Universal Life Defender | Overloan Protection Agreement Maximum Charge

Other Transaction Fee, Description [Text Block]

Maximum Charge

Other Transaction Fee, When Deducted [Text Block]

Upon exercise of Agreement, expressed as a percentage of Policy Accumulation Value upon exercise of Agreement

Other Transaction Fee, Current [Percent]

5.00%

Other Transaction Fee (of Other Amount), Maximum [Percent]

7.00%

Other Transaction Fee (of Other Amount), Footnotes [Text Block]

The maximum Overloan Protection Charge assumes that the insured has the following characteristics: Male, Standard Tobacco, Age 70.

Variable Universal Life Defender | Option 1 Death Benefit

Variable Universal Life Defender | Option 2 Death Benefit

Under the Guideline Premium Test (GPT), the Level Option Death Benefit equals the greatest of:1. the Face Amount on the insured’s date of death; or2. a specified “limitation percentage,” called the Guideline Premium Test Death Benefit Percentage Factor (GPT DBPF) on your Policy’s data pages, multiplied by the Accumulation Value on the insured’s date of death.Under the Level Option, your Death Benefit remains level unless the limitation percentage multiplied by the Accumulation Value is greater than the Face Amount; then the Death Benefit will vary as the Accumulation Value varies.The limitation percentage is the minimum percentage of Accumulation Value we must pay as the Death Benefit under federal tax requirements. It is based on the Age of the insured at the beginning of each Policy Year. The following table indicates the limitation percentages for the guideline premium test for different Ages:

Age	Limitation Percentage
40 and under	250%
41 to 45	250% minus 7% for each year over Age 40
46 to 50	215% minus 6% for each year over Age 45
51 to 55	185% minus 7% for each year over Age 50
56 to 60	150% minus 4% for each year over Age 55
61 to 65	130% minus 2% for each year over Age 60
66 to 70	120% minus 1% for each year over Age 65
71 to 75	115% minus 2% for each year over Age 70
76 to 90	105%
91 to 95	105% minus 1% for each year over Age 90
96 to 121	100%

Variable Universal Life Defender | Option 3 Death Benefit

Under the Cash Value Accumulation Test (CVAT), the Level Option Death Benefit equals the greatest of:1.the Face Amount on the date of the insured’s death; or2.the amount required for the Policy to qualify as a life insurance policy under Code Section 7702.Under the Level Option, your Death Benefit remains level unless the Accumulation Value is greater than the net single premium as specified under Code Section 7702, multiplied by the Face Amount. The net single premium is based on the insured's gender, Age, tobacco status, and Risk Class.Under the CVAT, a “limitation percentage” may be defined as the value “1” divided by the net single premium. While the limitation percentages are defined differently for the GPT and the CVAT, they work identically with respect to the relationship between the Accumulation Value and the Death Benefit. Specifically, the Death Benefit is never less than the Accumulation Value multiplied by the applicable limitation percentage, regardless of whether the Policy satisfies the GPT or CVAT.If the Code requires us to determine the Death Benefit by reference to these limitation percentages, the Policy is described as “in the corridor.” An increase in the Accumulation Value will increase our risk, and we will increase the cost of insurance charge we assess from the Accumulation Value.Level Option Cash Value Accumulation Test Example. Assume that the Policy has a Face Amount of $100,000, and the limitation percentage is 225 percent. Under the Level Option, a Policy with a $100,000 Face Amount will generally pay $100,000 in Death Benefits. However, because the Death Benefit for the Policy must be equal to or be greater than 225 percent of the Accumulation Value, any time the Accumulation Value of the Policy exceeds $44,444, the Death Benefit of the Policy will exceed the $100,000 Face Amount. The figure $44,444 is derived because 225 percent of $44,444 equals $100,000. Every additional $100 added to the Accumulation Value above $44,444 will increase the Death Benefit of the Policy by $225.Similarly, so long as the Accumulation Value exceeds $44,444, every $100 taken out of the Accumulation Value will reduce the Death Benefit of the Policy by $225. If at any time the Accumulation Value multiplied by the limitation percentage is less than the Face Amount, the Death Benefit of the Policy will equal the Face Amount of the Policy.

Variable Universal Life Defender | Option 4 Death Benefit

Under the Guideline Premium Test, the Increasing Option Death Benefit equals the greatest of:1. the Face Amount plus the Accumulation Value on the insured’s date of death; or2. the limitation percentage (the GPT DBPF) multiplied by the Accumulation Value on the insured’s date of death.Under the Increasing Option, the Death Benefit always varies as the Accumulation Value varies.Increasing Option Guideline Premium Test Example. Assume that the insured’s Age is under 40. Under the Increasing Option, a Policy with a Face Amount of $100,000 will generally pay a Death Benefit of $100,000 plus the Accumulation Value. Thus, a Policy with an Accumulation Value of $60,000 will generally have a Death Benefit of $160,000 ($100,000 + $60,000). The Death Benefit, however, must be at least 250 percent of the Accumulation Value. As a result, if the Accumulation Value of the Policy exceeds $66,666, the Death Benefit will be greater than the Face Amount plus the Accumulation Value. The figure of $66,666 is derived because 250 percent of $66,666 equals $100,000 + $66,666. Every additional $100 of Accumulation Value above $66,666 will increase the Death Benefit by $250.Similarly, any time the Accumulation Value exceeds $66,666, every $100 taken out of Accumulation Value will reduce the Death Benefit by $250. If at any time the Accumulation Value multiplied by the limitation percentage is less than the Face Amount plus the Accumulation Value, then the Death Benefit will be the Face Amount plus the Accumulation Value of the Policy.

Variable Universal Life Defender | Accelerated Death Benefit

Under the Cash Value Accumulation Test, the Increasing Option Death Benefit equals the greatest of:1. the Face Amount plus the Accumulation Value on the insured’s date of death; or2. the amount required for the Policy to qualify as a life insurance policy under Code Section 7702.Under the Increasing Option, the Death Benefit always varies as the Accumulation Value varies.Increasing Option Cash Value Accumulation Test Example. Assume that the Policy has a Face Amount of $100,000, and the limitation percentage is 225 percent. Under the Increasing Option, a Policy with a Face Amount of $100,000 will generally pay a Death Benefit of $100,000 plus the Accumulation Value. Thus, a Policy with an Accumulation Value of $65,000 will generally have a Death Benefit of $165,000 ($100,000 + $65,000). The Death Benefit for the Policy must be at least 225 percent of the Accumulation Value. As a result, if the Accumulation Value of the Policy exceeds $80,000, the Death Benefit for the Policy will be greater than the Face Amount plus the Accumulation Value. The figure of $80,000 is derived because 225 percent of $80,000 equals $100,000 + $80,000. Every additional $100 of Accumulation Value above $80,000 will increase the Death Benefit of the Policy by $225.Similarly, any time Accumulation Value exceeds $80,000, every $100 taken out of Accumulation Value will reduce the Death Benefit of the Policy by $225. If at any time the Accumulation Value multiplied by the limitation percentage is less than the Face Amount plus the Accumulation Value, then the Death Benefit for the Policy will be the Face Amount plus the Accumulation Value of the Policy.

Variable Universal Life Defender | 2017 CSO Policy

Accidental Death Benefit Agreement. The Accidental Death Benefit Agreement is no longer available for purchase. The Agreement is subject to underwriting approval and pays the stated Death Benefit if the insured dies as a result of an accident. Death by accidental injury is defined in the Agreement to include the insured’s death that results directly and independently from an accidental drowning or from an accidental injury. The insured’s death must occur within 180 days after the date of the injury. If the insured’s death is the result of an accidental injury sustained while the insured was riding as a fare-paying passenger in an aircraft or other public conveyance being commercially operated by a licensed common carrier to transport passengers for hire, we will pay twice the amount of the accidental Death Benefit shown on the policy data pages. For example, if you elect this agreement to provide an additional $50,000 in Death Benefits, this additional $50,000 will be payable to the Beneficiary(ies) upon your death from an accidental drowning or from an accidental injury. In the case of accidental death as a fare-paying passenger in an aircraft or other commercially operated and licensed carrier to transport passengers, the additional Death Benefit will be twice that, or $100,000.We will not pay the benefit if the insured dies as a result of any of the following conditions:1.suicide, whether sane or insane; or2.the insured’s commission of, or attempt to commit, a felony; or3.bodily or mental infirmity, illness or disease; or4.the result of the use of alcohol or drugs and associated mental health issues, medications, poisons, gases, fumes or other substances taken, absorbed, inhaled, ingested or injected, unless taken upon the advice of a licensed physician in a verifiable prescribed manner and dosage; or5.the direct result of a motor vehicle collision or accident where the insured is the operator of the motor vehicle and his or her blood alcohol level meets or exceeds the level at which intoxication is defined in the state where the collision or accident occurred, regardless of the outcome of any legal proceedings connected thereto; or6.bacterial infection, other than infection occurring simultaneously with, and as a result of, the accidental injury; or7.travel or flight in, or descent from or with any aircraft, if the insured is aboard that aircraft for any purpose other than that of being transported as a passenger. Among those not included as “passengers” are pilots, crew members, flight instructors, flight trainees, and persons operating or assisting in the operation of the aircraft; or8.war or any act of war, or service in the military, naval or air forces of any country at war, declared or undeclared, provided the insured’s accidental death occurs while serving in such forces or within six months after termination of service in such forces.There is a monthly charge for this Agreement. You should consider purchasing this Agreement if you want additional insurance coverage in the event the insured dies as a result of an accident.

Insurance Cost, Description [Text Block]

Cost of Insurance Charge(4) (2017 CSO)

Insurance Cost, When Deducted [Text Block]

Monthly, expressed as an amount of Net Amount at RiskMonthly, expressed as an amount of Net Amount at Risk

Insurance Cost, Representative Investor [Text Block]

Charge for Insured Age

50 in Female, Preferred

Select Non-Tobacco

Risk Class

Monthly, expressed as an

amount of Net Amount

at Risk

$0.235 per $1,000

$0.083 per $1,000

Insurance Cost (of Face Amount), Maximum [Percent]

83.33%

Insurance Cost (of Face Amount), Current [Percent]

44.22%

Insurance Cost (of Face Amount), Minimum [Percent]

0.004%

Insurance Cost, Footnotes [Text Block]

The Cost of Insurance Charge will vary based on the insured’s gender, Risk Class, and Age. (5)The Net Amount at Risk is equal to the Death Benefit payable divided by the Net Amount at Risk divisor, as shown on the policy data pages of your Policy, minus Policy Accumulation Value

Annual Maintenance Fee, Description [Text Block]

Policy Issue Charge(1) (2017 CSO)

Annual Maintenance Fee, When Deducted [Text Block]

Monthly, within the first fifteen Policy Years, and within the first fifteen years of an increase in Face Amount, expressed as an amount of Initial Face Amount or Face Amount increaseMonthly, within the first fifteen Policy Years, and within the first fifteen years of an increase in Face Amount, expressed as an amount of Initial Face Amount or Face Amount increase

Annual Maintenance Fee, Representative Investor [Text Block]

Charge for Insured Age

50 in Female, Preferred

Select Non-Tobacco

Risk Class, with Level

Option Death Benefit

Monthly, within the first

fifteen Policy Years, and

within the first fifteen

years of an increase in

Face Amount, expressed

as an amount of Initial

Face Amount or Face

Amount increase

$0.148 per $1,000

Annual Maintenance Fee (of Other Amount), Maximum [Percent]

0.455%

Annual Maintenance Fee (of Other Amount), Current [Percent]

0.455%

Annual Maintenance Fee (of Other Amount), Minimum [Percent]

0.06%

Annual Maintenance Fee, Footnotes [Text Block]

The Policy Issue Charge varies based on the insured’s gender, Risk Class, Age, the Death Benefit Option, and Face Amount chosen. For Polices that are terminated or fully surrendered within the first fifteen years after Policy issue or within fifteen years of an increase in Face Amount, we will assess a surrender charge equal to the sum of any remaining Policy Issue Charges for the Initial Face Amount or Face Amount increase, multiplied by a factor of 3.75, as applicable. (2)The maximum Policy Issue Charge assumes that the insured has the following characteristics: Male, Standard Non-Tobacco Risk Class, Age 75, Level Option Death Benefit, $100,000 Face Amount.(3)The minimum Policy Issue Charge assumes that the insured has the following characteristics: Female, Preferred Non-Tobacco Risk Class, Age 0, Level Option Death Benefit, $100,000 Face Amount.

Expense Risk Fees, Description [Text Block]

Indexed Accounts A, B and G Indexed Account Charge(6)

Expense Risk Fees, When Deducted [Text Block]

Monthly, expressed as a percentage of Accumulation Value in Indexed Accounts A, B and G and in Interim Account

Expense Risk Fees (of Face Amount), Maximum [Percent]

0.60%

Expense Risk Fees (of Face Amount), Current [Percent]

0.00%

Expense Risk Fees, Footnotes [Text Block]

The Indexed Account Charge is assessed to help cover administrative and other expenses, including but not limited to the cost of hedging, associated with making available the Fixed Indexed Accounts.

Mortality and Expense Risk Fees, Description [Text Block]

Mortality and Expense Risk Charge

Mortality and Expense Risk Fees, When Deducted [Text Block]

Monthly, expressed as a percentage of the Policy Accumulation Value

Mortality And Expense Risk Fees (of Face Amount), Maximum [Percent]

0.075%

Mortality And Expense Risk Fees (of Face Amount), Current [Percent]

0.025%

Administrative Expenses, Description [Text Block]

Monthly Policy Charge

Administrative Expenses, When Deducted [Text Block]

Monthly, expressed as an amount of Face Amount

Administrative Expense, Maximum [Dollars]

$ 12

Administrative Expense, Current [Dollars]

$ 8

Administrative Expense (of Face Amount), Maximum [Percent]

0.0125%

Variable Universal Life Defender | 2017 CSO Policy | Cash Extra

Insurance Cost, Description [Text Block]

Cash Extra Charge(7)

Insurance Cost, When Deducted [Text Block]

Monthly, expressed as an amount of Face AmountMonthly

Insurance Cost, Representative Investor [Text Block]

Charge for Insured Age

50 in Female, Preferred

Select Non-Tobacco

Risk Class, Impaired

Driving History

Monthly, expressed as an

amount of Initial Face

Amount

$0.01 per $1,000

Insurance Cost, Maximum [Dollars]

$ 100

Insurance Cost, Current [Dollars]

100

Insurance Cost, Minimum [Dollars]

$ 0

Insurance Cost, Footnotes [Text Block]

The Cash Extra Charge is uniquely determined for each insured and may vary based on such factors as the insured’s gender, Risk Class and Age. See the Cash Extra Charge discussion in the section entitled “Policy Charges — Cash Extra Charge.”

Variable Universal Life Defender | 2017 CSO Policy | Net Fixed Interest Rate Policy Loan

Optional Benefit Charge, When Deducted [Text Block]

Net Fixed Interest Rate Policy Loan Interest Charge(8)

Annually, on each Policy Anniversary, and upon a policy loan transaction, full surrender, policy Termination or death of the Insured, expressed as a percentage of interest on outstanding policy fixed rate loan balance

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

1.00%

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

1.00%

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

0.10%

Variable Universal Life Defender | 2017 CSO Policy | Variable Rate Policy Loan

We charge interest on Policy loans, but we also credit interest on the Fixed Loan Account value we hold as collateral on Policy loans. The Net Policy Loan Interest Charge represents the difference (cost) between the gross loan interest rate charge of five percent (5.0 percent) and the interest credited on the Fixed Loan Account Accumulation Value, which is an annual rate of four percent (4.0 percent) for Policies held less than ten years and an annual rate of four and nine-tenths percent (4.9 percent) for Policies held more than ten years.