Fees and Expenses [Text Block]

FEES, EXPENSES, AND ADJUSTMENTS		LOCATION IN THE PROSPECTUS
Are There Charges or Adjustments for Early Withdrawals?	Yes. If you withdraw money from your Contract within 6 years following Contract issuance, you may be assessed a surrender charge of up to 8% of the amount withdrawn in excess of the free withdrawal amount. The free withdrawal amount is the greater of (i) 10% of your Contract Value as of the most recent Contract Anniversary (or, in the first Contract Year , 10% of your premium payment) or (ii) your RMD under our automatic RMD program. For example, if you take an early withdrawal, you could pay a surrender charge of up to $7,200 on a $100,000 investment, assuming your Contract Value is $100,000 at the time of the withdrawal. This loss will be greater if there is a negative Interim Value adjustment, taxes, or tax penalties. If all or a portion of your Contract Value is removed from an IPCS prior to the end of the Strategy Term , it will be subject to an adjustment due to the Interim Value , which may be negative. A negative Interim Value adjustment could result in losses as high as 100%. The maximum loss could occur in extreme circumstances due to a negative Interim Value adjustment.. For example, if you allocate $100,000 to an IPCS with a 3 year Strategy Term and later withdraw the entire amount before the 3 years have ended, you could lose up to $100,000 of your investment. This loss will be greater if you also have to pay a surrender charge, taxes, and tax penalties. Transactions that are subject to an Interim Value adjustment include (i) taking a withdrawal or surrendering your Contract, including the deduction of applicable surrender charges and/or premium taxes, (ii) exercising the Performance Lock feature (if available), (iii) annuitization, (iv) the payment of the Standard Death Benefit, and (v) exercising your right to return the Contract (unless the return of premium is greater).	Fee Tables Charges and Adjustments
Are There Transaction Charges?	No. Other than surrender charges and any negative Interim Value adjustments, th ere are no charges for other Contract transactions.
Are There Ongoing Fees and Expenses?	Yes . Although we do not charge you a direct fee to invest in the IPCS optio ns, there is an implicit ongoing fee associated with the IPCS because the amount you can earn on an IPCS will be limited to the extent the Index return exceeds (i) the Cap Rate (if any) under the Cap with Par Crediting Strategy or the Cap with Par & Spread Crediting Strategy , or (ii) the Dual Direction Trigger Rate or the Step-Up Trigger Rate under the Dual Direction Trigger Rate Crediting Strategy or the Step-Up Trigger Rate Crediting Strategy , respectfully. Your returns will also be reduced by the Spread under the Cap with Par & Spread Crediting Strategy . The application of the Crediting Strategy may cause your returns under the IPCS to be lower than the Index’s returns. In return for accepting this limit on Index gains, you receive some protection from Index losses through the Protection Strategy . Your returns could be limited if the Participation Rate is below 100%.	Investment Strategies – Crediting Strategies.

Charges for Early Withdrawals [Text Block]

Yes.

you

withdraw money from

your

Contract within 6 years following Contract

issuance,

you

may be assessed a surrender charge of up to 8% of the amount

withdrawn in excess of the free withdrawal amount. The free withdrawal

amount is the greater of (i) 10% of

your

Contract Value

as of the most recent

Contract Anniversary

(or, in the first

Contract Year

, 10% of

your

premium

payment) or (ii)

your

RMD under our automatic RMD program.

For example, if

you

take an early withdrawal,

you

could pay a surrender charge

of up to $7,200 on a $100,000 investment, assuming

your

Contract Value

$100,000 at the time of the withdrawal. This loss will be greater if there is a

negative

Interim Value

adjustment, taxes, or tax penalties.

If all or a portion of

your

Contract Value

is removed from an

IPCS

prior to the

end of the

Strategy Term

, it will be subject to an adjustment due to the

Interim

Value

, which may be negative.

A negative

Interim Value

adjustment could

result in losses as high as 100%. The maximum loss could occur in extreme

circumstances due to a negative

Interim Value

adjustment..

For example, if

you

allocate $100,000 to an

IPCS

with a 3 year

Strategy Term

and later withdraw

the entire amount before the 3 years have ended,

you

could lose up to $100,000

your

investment. This loss will be greater if

you

also have to pay a surrender

charge, taxes, and tax penalties. Transactions that are subject to an

Interim

Value

adjustment include (i) taking a withdrawal or surrendering

your

Contract,

including the deduction of applicable surrender charges and/or premium taxes,

(ii) exercising the

Performance Lock

feature (if available), (iii) annuitization,

(iv) the payment of the Standard Death Benefit, and (v) exercising

your

right to

return the Contract (unless the return of premium is greater).

Surrender Charge Phaseout Period, Years | yr

Surrender Charge (of Amount Surrendered) Maximum [Percent]

8.00%

Surrender Charge Example Maximum [Dollars]

$ 7,200

Key Information, Contract Adjustments if Amounts are Removed [Text Block]

If all or a portion of

your

Contract Value

is removed from an

IPCS

prior to the

end of the

Strategy Term

, it will be subject to an adjustment due to the

Interim

Valuewhichmaybe negative.

Key Information, Maximum Loss Resulting from Negative Adjustment [Percent]

100.00%

Key Information, Example of Maximum Loss Resulting from Negative Adjustment [Text Block]

For example, if

you

allocate $100,000 to an

IPCS

with a 3 year

Strategy Term

and later withdraw

the entire amount before the 3 years have ended,

you

could lose up to $100,000

ofyourinvestment.

Key Information, Example of Maximum Loss on One Hundred Thousand Dollars Resulting from Negative Adjustment

$ 100,000

Transaction Charges [Text Block]

No.

Other than surrender charges and any negative

Interim Value

adjustments, th

ere

are no charges for other Contract transactions.

Ongoing Fees and Expenses [Table Text Block]

Yes

Although we do not charge

you

a direct fee to invest in the

IPCS

optio

ns,

there is an implicit ongoing fee associated with the

IPCS

because the

amount

you

can earn on an

IPCS

will be limited to the extent the

Index

return exceeds (i) the

Cap Rate

(if any) under the

Cap with Par

Crediting

Strategy

or the

Cap with Par & Spread

Crediting Strategy

, or (ii) the

Dual

Direction Trigger Rate

or the

Step-Up Trigger Rate

under the

Dual

Direction Trigger Rate

Crediting Strategy

or the

Step-Up Trigger Rate

Crediting Strategy

, respectfully.

Your

returns will also be reduced by the

Spread

under the

Cap with Par & Spread

Crediting Strategy

The

application of the

Crediting Strategy

may cause

your

returns under the

IPCS

to be lower than the

Index’s

returns.

In return for accepting this

limit on

Index

gains,

you

receive some protection from

Index

losses

through the

Protection Strategy

Your

returns could be limited if the

Participation Rate

is below 100%.

Index-Linked Option, Implicit Ongoing Fees [Text Block]

Although we do not charge

you

a direct fee to invest in the

IPCS

optio

ns,

there is an implicit ongoing fee associated with the

IPCS

because the

amount

you

can earn on an

IPCS

will be limited to the extent the

Index

return exceeds (i) the

Cap Rate

(if any) under the

Cap with Par

Crediting

Strategy

or the

Cap with Par & Spread

Crediting Strategy

, or (ii) the

Dual

Direction Trigger Rate

or the

Step-Up Trigger Rate

under the

Dual

Direction Trigger Rate

Crediting Strategy

or the

Step-Up Trigger Rate

Crediting Strategy

, respectfully.

Your

returns will also be reduced by the

Spread

under the

Cap with Par & Spread

Crediting Strategy

The

application of the

Crediting Strategy

may cause

your

returns under the

IPCS

to be lower than the

Index’s

returns.

In return for accepting this

limit on

Index

gains,

you

receive some protection from

Index

losses

through the

Protection Strategy

Your

returns could be limited if the

Participation Rate

is below 100%.

Index-Linked Option, Implicit Ongoing Fees Return may be Lower than the Index Return [Text Block]

The

application of the

Crediting Strategy

may cause

your

returns under the

IPCS

to be lower than the

Index’s

returns.

Index-Linked Option, Implicit Ongoing Fees Provide Some Protection from Index Losses [Text Block]

In return for accepting this

limit on

Index

gains,

you

receive some protection from

Index

losses

through the

Protection Strategy

Index-Linked Option Key Information, Limits Positive Index Returns, Risk [Text Block]

This Contract is not a short-term investment and is not appropriate for an

investor who needs ready access to cash. Withdrawals could result in surrender

charges during the first six years

you

own the Contract, and may be subject to

taxes and tax penalties (including a 10% tax penalty before age 59

∕

In addition, amounts removed from an

IPCS

prior to the end of the

Strategy

Term

may be subject to a negative

Interim Value

adjustment, which could result

in a loss that is greater than the level of protection the

Protection Strategy

would provide on the

Term End Date

, or a gain that is lower than the return the

Crediting Strategy

would provide on the

Term End Date

. The calculation of the

Interim Value

in connection with a withdrawal could result in the loss of

principal and previously credited earnings, even if the

Index

is performing

positively, and such losses could be substantial.

Contract Value

that is allocated to an

IPCS

may only be reallocated on the

Term End Date

(which is also a

Contract Anniversary

) unless

you

exercise the

Performance Lock

feature (if available).

Contract Value

that is allocated to the

FRS

and any locked-in

Index Strategy Value

pursuant to the exercise of the

Performance Lock

feature may be reallocated on the next

Contract Anniversary

If we do not receive

your

reallocation instructions at our

Customer Service

Office

by the close of business on the date the reallocation will be effected,

your

Contract Value

will be automatically reinvested in the same Investment

Strategies, if available (i.e., the

Fixed Rate Strategy Value

will be reinvested in

the

FRS

, the

Index Strategy Value

will be reinvested in the same

IPCS

), subject

to the new crediting rates. If the same

IPCS

is not available, the amount will be

automatically reallocated to an

IPCS

with the same

Strategy Term

Index

Protection Strategy

, and

Crediting Strategy

, if available (i.e., only the

availability of the

Performance Lock

feature is different). If such an

IPCS

not available, the amount will be automatically reallocated to the 1-Year

Strategy Term

/ -10%

Buffer

/ S&P 500

Index

Cap with Par

/ with or without

Performance Lock

(depending on availability). Any reallocation absent

your

instruction may not be satisfactory to

you

Investment Restrictions [Text Block]

Yes

Contract Value

that is allocated to an

IPCS

may only be reallocated on the

Term End Date

(which is also a

Contract Anniversary

), unless

you

exercise the

Performance Lock

feature (if available).

Contract Value

that is allocated to the

FRS

and any locked-in

Index Strategy Value

pursuant to the exercise of the

Performance Lock

feature may be reallocated on the next

Contract Anniversary

●

Currently all

IPCS

options and Contract features are available through

financial professionals selling the Contract.

Your

financial professional

may not recommend certain

IPCS

options.

You

may obtain information

about the

IPCS

options that are available to

you

by contacting

your

financial professional or our

Customer Service Office

●

Certain

IPCS

or Contract features may not be available in

your

state. See

Appendix B for state variations that may apply.

●

You

may not allocate

Contract Value

to an

IPCS

if the

Term End Date

would occur after the latest

Annuity Commencement Date

(i.e., the

Contract Anniversary

immediately following the

Annuitant’s

100th

birthday).

In addition, we reserve the right to:

●

Add or remove

IPCS

options;

●

Limit the availability of certain

IPCS

options to new Contract purchases;

●

Not include a

Performance Lock

feature in the future on certain or any

IPCS

options;

●

Declare new

Cap Rates

Participation Rates

Dual Direction Trigger Rates

and

Step-Up Trigger Rates

for each new

Strategy Term

, subject to the

stated minimum guaranteed rates for that

IPCS

option;

We may not declare a

Cap Rate

for a particular

Cap with Par and Spread

Strategy Term

. For any such

Strategy Term

which we do declare a

Cap Rate

the

Participation Rate

will always equal 100% (which means it will never be

greater than the minimum guaranteed rate of 100%).

●

Stop offering or replace a reference

Index

(including during a

Strategy

Term

) if it is discontinued, if the

Index

is substantially changed, if the

Index Values

become unavailable, if we no longer have a license

agreement with the publishers of the

Index

, or if hedging instruments

become difficult to acquire or the cost of hedging becomes excessive. If

we replace an

Index

, we will attempt to select a new

Index

that has a

similar investment objective and risk profile to the original

Index

. The

replacement

Index

we select may not be satisfactory to

you

; and

●

Limit the number of

IPCS

options offered to one. We always intend to

offer the 1-Year / -10%

Buffer

/ S&P 500

Index

Cap with Par

IPCS

option, subject to our right to substitute the

Index

with one that is

substantially similar, which means we will always offer a strategy with a

-10%

Buffer

. If we exercise our right to offer only this

IPCS

option and

you

are not satisfied,

you

may invest in the

FRS

or surrender the Contract,

but the surrender may incur surrender charges, may be subject to taxes

(including a 10% tax penalty before age 59

∕

) and, with respect to

amounts surrendered from an

IPCS

that has not been locked in prior to the

Term End Date

, will be subject to an

Interim Value

adjustment.

The availability of

IPCS

may vary depending on the broker-dealer through

which the contract is sold.

Key Information, Benefit Restrictions [Text Block]

Yes

The

Performance Lock

feature may not be available in the future on certain or

any

IPCS

options. The automatic

Performance Lock

is not available with the

Dual Direction Trigger Rate

Crediting Strategy

or the

Step-Up Trigger Rate

Crediting Strategy

The Return of Premium Payment Death Benefit is subject to withdrawal

adjustments (including any applicable surrender charges), which may be more,

even significantly more, then the dollar amount withdrawn.

Although

you

may request a withdrawal at any time, withdrawals will always

be taken first from the

FRS

, then proportionally from locked-in

IPCS

options,

then proportionally from

IPCS

options that are at the

Term End Date

, and

finally proportionally from

IPCS

options that are not at the

Term End Date

You

may not request a partial withdrawal to be withdrawn from a particular

Investment Strategy

. This means that if

you

wish to withdraw money from a

specific

IPCS

without the

Performance Lock

feature before the

Term End Date

your

only option will be to surrender the Contract, which may incur surrender

charges, may be subject to taxes (including a 10% additional tax before age

∕

), and, with respect to amounts surrendered from an

IPCS

prior to the

Term End Date

, will be subject to an

Interim Value

adjustment.

The availability of

IPCS

options may vary depending on the broker-dealer

through which the contract is sold.

Tax Implications [Text Block]

You

should consult with a tax professional to determine the tax implications of

an investment in, withdrawals from, and payments received under the Contract.

There is no tax penalty benefit if

you

purchase the Contract through a

Traditional IRA or Roth IRA. Withdrawals are subject to ordinary income tax,

and

you

may be subject to a 10% tax penalty if

you

withdraw money before

age 59

∕

Investment Professional Compensation [Text Block]

Your

financial professional may receive compensation for selling the Contract

you

in the form of commissions and non-cash compensation. This

compensation may influence

your

financial professional to recommend the

Contract over another investment.

Exchanges [Text Block]

Some financial professionals may have a financial incentive to offer

you

a new

contract in place of the one

you

own.

You

should only exchange

your

contract

you

determine, after comparing the features, fees and risks of both contracts,

and any fees or penalties to terminate the existing contract, that it is better for

you

to purchase the new contract rather than continue to own

your

existing

contract.

Item 4. Fee Table [Line Items]

Item 4. Fee Table [Text Block]

FEE TABLES

The following tables describe the fees, expenses, and adjustments that

you

will pay when buying, owning,

and surrendering or making withdrawals from an

IPCS

or from the Contract. Please refer to

your

Contract specifications page for information about the specific fees

you

will pay each year based on the

options

you

have elected.

The first table describes the fees and expenses that

you

will pay at the time that

you

surrender or make

withdrawals from the Contract. State premium taxes may also be deducted.

Transaction Expenses

Surrender Charge (as a percentage of amount surrendered)

The surrender charge will be imposed when

you

take a partial withdrawal or surrender

your

Contract during the first six

Contract

Years

, unless an exception applies. Each year during the first six

Contract Years

, however,

you

may take withdrawals up to the “free

withdrawal amount” without incurring a surrender charge. The free withdrawal amount is the greater of (i) 10% of

your

Contract Value

as of the most recent

Contract Anniversary

(or, in the first

Contract Year

, 10% of

your

total premiums paid) or (ii)

your

RMD under

our automatic RMD program.

The surrender charge grades to 0% according to the following schedule:

Contract Year	1	2	3	4	5	6	7+
Surrender Charge Percentage	8%	8%	7%	6%	5%	4%	0%

See "Charges and Adjustments" for more information.

The next table describes the adjustments, in addition to any transaction expenses, that apply if all or a

portion of the

Contract Value

is removed from an

IPCS

before the end of the

Strategy Term

Adjustments

Interim Value

Adjustment Maximum Potential Loss (as a

percentage of

Contract Value

)

100%

The maximum loss could occur in extreme circumstances due to a negative

Interim Value

adjustment. Transactions that are subject to

Interim Value

adjustment include (i) taking a withdrawal or surrendering

your

Contract, including the deduction of applicable

surrender charges and/or premium taxes, (ii) exercising the

Performance Lock

feature (if available), (iii) annuitization, (iv) the

payment of the Standard Death Benefit, and (v) exercising

your

right to return the Contract (unless the return of premium is greater).

See “Charges and Adjustments” for more information.

In addition to the fees described above, the amount

you

can earn on an

IPCS

will be limited to the extent

the

Index

return exceeds (i) the

Cap Rate

(if any) under the

Cap with Par

Crediting Strategy

or the

Cap

with Par & Spread

Crediting Strategy

; (ii) the

Dual Direction Trigger Rate

under the

Dual Direction

Trigger Rate

Crediting Strategy

; or (iii) the

Step-Up Trigger Rate

under the

Step-Up Trigger Rate

Crediting Strategy

Your

returns will also be reduced by the

Spread

under the

Cap with Par & Spread

Crediting Strategy

. The application of the

Crediting Strategy

may cause

your

returns under the

IPCS

be lower than the

Index’s

returns. In return for accepting this limit on

Index

gains,

you

will receive some

protection from

Index

losses through the

Protection Strategy

Transaction Expenses [Table Text Block]

Transaction Expenses

Surrender Charge (as a percentage of amount surrendered)

The surrender charge will be imposed when

you

take a partial withdrawal or surrender

your

Contract during the first six

Contract

Years

, unless an exception applies. Each year during the first six

Contract Years

, however,

you

may take withdrawals up to the “free

withdrawal amount” without incurring a surrender charge. The free withdrawal amount is the greater of (i) 10% of

your

Contract Value

as of the most recent

Contract Anniversary

(or, in the first

Contract Year

, 10% of

your

total premiums paid) or (ii)

your

RMD under

our automatic RMD program.

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

^[1]

100.00%

Other Transaction Fee, Footnotes [Text Block]

The maximum loss could occur in extreme circumstances due to a negative

Interim Value

adjustment. Transactions that are subject to

Interim Value

adjustment include (i) taking a withdrawal or surrendering

your

Contract, including the deduction of applicable

surrender charges and/or premium taxes, (ii) exercising the

Performance Lock

feature (if available), (iii) annuitization, (iv) the

payment of the Standard Death Benefit, and (v) exercising

your

right to return the Contract (unless the return of premium is greater).

See “Charges and Adjustments” for more information.

Surrender Example [Table Text Block]

The surrender charge grades to 0% according to the following schedule:

Contract Year	1	2	3	4	5	6	7+
Surrender Charge Percentage	8%	8%	7%	6%	5%	4%	0%

Item 5. Principal Risks [Line Items]

Item 5. Principal Risks [Table Text Block]

PRINCIPAL RISKS

An investment in the Contract involves certain risks that you should consider prior to purchasing the Contract

making investment decisions.

Market Risk

There is a risk of loss of principal and previously-credited earnings due to poor investment performance, and

such losses may be substantial. In recent years, the financial markets have experienced periods of significant

volatility and negative returns, contributing to an uncertain and evolving economic environment. Financial

markets have been impacted by several interrelating factors, including (but not limited to) pandemics,

geopolitical turmoil, rising inflation, economic recessions, interest rate fluctuations, and actions by governmental

authorities. Depending on the Investment Strategies you select and the timing of transactions you request (e.g.,

reallocations, withdrawals, exercise of the Performance Lock feature), you may experience significant negative

returns under the Contract.

Index – Linked Option Risks

Protection Strategies

The Protection Strategies provide downside protection from negative Index performance only on the Term End

Date, so your risk of loss is greater on any other date during the Strategy Term. For multi-year Strategy Terms,

the Protection Strategies are

not

applied on an annual basis; any negative Index Performance is measured from

the Term Start Date to the Term End Date. In other words, the limits on downside loss provided by the Protection

Strategy are applied to the Index Performance at the end of the Strategy Term, not during the Strategy Term or

over the life of the Contract.

If you invest in an IPCS, you will bear the portion of loss that exceeds your

Buffer Rate. If you invest in an IPCS with the lowest level of protection currently offered (the -10%

Buffer), you could experience losses up to 90% at the end of the Strategy Term due to negative Index

Performance. We always intend to offer the 1-Year / -10% Buffer / S&P 500 Index / Cap with Par IPCS

option, subject to our right to substitute the Index with one that is substantially similar, which means we

will always offer a strategy with a -10% Buffer.

If you reinvest your money in the same IPCS over the course

of multiple Strategy Terms, you may incur greater losses than the protection level provided by that IPCS over the

course of a single Strategy Term.

Crediting Strategies

The Crediting Strategies determine how positive Index performance is credited on the Term End Date, and may

limit or enhance your returns under the IPCS. The amount you can earn on an IPCS will be limited to the extent

the Index return exceeds (i) the Cap Rate (if any) under the Cap with Par Crediting Strategy or the Cap with Par

& and Spread Crediting Strategy, (ii) the Dual Direction Trigger Rate under the Dual Direction Trigger Rate

Crediting Strategy, or (iii) the Step-Up Trigger Rate under the Step-Up Trigger Rate Crediting Strategy. Your

returns will also be reduced by the Spread under the Cap with Par & Spread Crediting Strategy. The application

of the Crediting Strategy may cause your returns under the IPCS to be lower than the Index’s returns. For

multi-year Strategy Terms, the Crediting Strategies are

not

applied on an annual basis; any positive Index

Performance is measured from the Term Start Date to the Term End Date. In other words, the Crediting Strategy

will be applied to the Index Performance at the end of the Strategy Term, not during the Strategy Term or over

the life of the Contract. Your investment in an IPCS is not an investment in the Index or the securities tracked by

the Index.

Liquidity and Early Withdrawal Risk

The Contract is not designed to be a short-term investment, and it is not appropriate for an investor who intends

to take early or frequent withdrawals.

●

Surrender Charges.

If you take withdrawals or surrender your Contract during the first six Contract

Years, a surrender charge will apply to amounts that exceed the free withdrawal amount, unless an

exception applies

●

Negative Interim Value Adjustments.

If you withdraw money from an IPCS prior to the Term E

Date,

the amount available for withdrawal from that IPCS is the Interim Value.

●

We calculate the Interim Value based on the value of a hypothetical portfolio of financial

instruments designed to replicate the Maturity Value (which is the Index Strategy Value on the

Term End Date). The Interim Value could be less than your investment even if the Index is

performing positively.

●

If you take a withdrawal, the calculation of the Interim Value could result in the loss of principal

and previously-credited earnings, and such losses could be substantial. A negative Interim Value

adjustment could result in losses as high as 100%. The maximum loss could occur in extreme

circumstances due to a negative Interim Value adjustment. Extreme circumstances causing a

negative Interim Value Adjustment can be connected to several factors, including but not limited to

trading costs and market price changes.

●

Partial withdrawals (including systematic withdrawals, RMDs, and any associated charges

deducted) from an IPCS that has not been locked in pursuant to exercise of the Performance Lock

feature on any day during the Strategy Term other than the Term Start Date and the Term End Date

will reduce the Strategy Value Base for the IPCS (which is the base amount that is used to

calculate the Interim Value prior to the Term End Date and the Maturity Value on the Term End

Date) by the same percentage that the withdrawal reduced the Index Strategy Value for that IPCS,

which may be more, even significantly more, than the dollar amount withdrawn. This means that if

you take a withdrawal at a time when the Interim Value is less than the Strategy Value Base, the

Strategy Value Base will be reduced by more than the amount withdrawn.

●

Because surrender charges are imposed when withdrawals are taken during the surrender charge

period and adjustments associated with the Interim Value calculation are applied when withdrawals

are taken prior to the Term End Date, these withdrawals can result in a loss of principal and

previously-credited earnings even if the Index has been performing positively.

●

In addition, the Interim Value calculation could result in a loss that is greater than the level of

protection the Protection Strategy would provide on the Term End Date, or a gain that is lower

than the return the Crediting Strategy would provide on the Term End Date.

●

The Interim Value is also the amount available from an IPCS if you surrender or annuitize the

Contract, exercise of the Performance Lock feature (if available) or your right to return the

Contract (unless the return of premium is greater), or if a Standard Death Benefit is paid prior to

the Term End Date.

●

Strategy Value Base.

●

Partial withdrawals (including systematic withdrawals, RMDs, and any associated charges deducted)

from an IPCS that has not been locked in pursuant to exercise of the Performance Lock feature on any

day during the Strategy Term other than the Term Start Date and the Term End Date will reduce the

Strategy Value Base for the IPCS by the same percentage that the withdrawal reduced the Index

Strategy Value for that IPCS. Such a reduction could be more, even significantly more, than the dollar

amount withdrawn.

●

The proportional reduction in your Strategy Value Base could be greater than the dollar amount of the

withdrawal depending on whether the Interim Value of the IPCS is higher or lower than the Strategy

Value Base of that IPCS at the time of the withdrawal. When the Interim Value is less than the Strategy

Value Base at the time of the withdrawal, the proportional reduction will always be greater than the

dollar amount withdrawn.

●

Withdrawals may have more of an adverse impact on the remaining Interim Value the earlier in the

Strategy Term a withdrawal is taken.

●

A lower Strategy Value Base will reduce any credit amount that may be applied on the Term End Date.

●

You cannot reallocate Contract Value into the IPCS to increase your Strategy Value Base during the

Strategy Term.

●

Death Benefit.

●

Withdrawals will reduce the Standard Death Benefit on a dollar-for-dollar basis.

●

The Return of Premium Payment Death Benefit is subject to withdrawal adjustments (including any

applicable surrender charges), which may be more, even significantly more, than the dollar amount

withdrawn. (See “Benefits Available Under the Contract – Death Benefit.”)

●

Withdrawal Limitation.

Amounts are withdrawn from the Investment Strategies in the order described in the

“Reallocations and Withdrawals” section. You may not request a partial withdrawal be withdrawn from a

particular Investment Strategy. This means that if you wish to withdraw money from a specific IPCS without

the Performance Lock feature before the Term End Date, your only option will be to surrender the Contract,

which may incur surrender charges, may be subject to taxes (including a 10% tax penalty before age 59

∕

and, with respect to any amounts surrendered from an IPCS prior to the Term End Date, will be based on the

Interim Value. The Interim Value could be less than your investment in the IPCS even if the Index is

performing positively. See “Charges and Adjustments – Interim Value Adjustment” for more information

about the calculation of the Interim Value.

●

Taxes.

Withdrawals and surrenders may result in adverse tax consequences, including a 10% tax penalty

before age 59

∕

●

Minimum Account Value.

If you take a withdrawal that would cause your Contract Value to fall below

$2,000, we may terminate your Contract.

Reallocation Restrictions

Contract Value that is allocated to an IPCS may only be reallocated on the Term End Date, unless (1) you

exercise the Performance Lock feature (if available) or (2) the IPCS is matured early and its value reallocated to

the FRS due to discontinuation of an Index. Contract Value that is allocated to the FRS and any locked-in Index

Strategy Value pursuant to the exercise of the Performance Lock feature may only be reallocated on the next

Contract Anniversary. Because of these restrictions, you may not be able to change your investment selections in

response to changes in market conditions during the investment term.

If you do not want to remain invested in

your current allocations until these dates, you may surrender the Contract, which may incur surrender charges,

may be subject to taxes (including a 10% tax penalty before age 59

∕

), and, with respect to any amounts

surrendered from an IPCS prior to the Term End Date, will be based on the Interim Value. The Interim Value

could be less than your investment in the IPCS even if the Index is performing positively. See “Charges and

Adjustments – Interim Value Adjustment” for more information about the calculation of the Interim Value.

If we do not receive reallocation instructions in Good Order by the close of business on the Term End Date, your

current allocations will be reinvested for a new term (in the same IPCS, if available) using the new crediting

rates. If the Term End Date is a non-Business Day, reallocation instructions must be received in Good Order no

later than the close of business on the Business Day prior to the Term End Date. If the same IPCS is not

available, the amount will be automatically reallocated to an IPCS with the same Strategy Term, Index,

Protection Strategy, and Crediting Strategy, if available (i.e., only the availability of the Performance Lock

feature will differ). If such an IPCS is not available, the amount will be automatically reallocated to the 1-Year

Strategy Term / -10% Buffer / S&P 500 Index / Cap with Par / with or without the Performance Lock feature

(depending on availability). This reallocation may not be satisfactory to you.

Availability of IPCS Options

We reserve the right to add or remove IPCS investment options. We also reserve the right to limit the availability

of certain IPCS to new Contract purchases. An IPCS that is currently available may not be available for

reallocations or reinvestment at the end of the Strategy Term (or the next Contract Anniversary after you exercise

the Performance Lock feature, if applicable). Certain IPCS may not be available through your financial

professional. You may obtain information about the IPCS options that are available to you by contacting your

financial professional or our Customer Service Office.

We may limit the number of IPCS options offered to one. We intend always to offer the 1-Year / -10% Buffer /

S&P 500 Index / Cap with Par / with or without the Performance Lock feature (depending on availability),

subject to our right to substitute the Index, which means we will always offer a strategy with a -10% Buffer. This

means that it is possible that we may not offer IPCS options in the future that are attractive to you based on your

personal preferences, risk tolerances, or time horizon. If there are no investment options you wish to select, you

may surrender the Contract, but the surrender may incur surrender charges, may be subject to taxes (including a

10% tax penalty before age 59

∕

), and, with respect to any amounts surrendered from an IPCS prior to the Term

End Date, will be based on the Interim Value. The Interim Value could be less than your investment in the IPCS

even if the Index is performing positively. See “Charges and Adjustments – Interim Value Adjustment” for more

information about the calculation of the Interim Value.

Crediting Rates

We set crediting rates (including Cap Rates, Participation Rates, Dual Direction Trigger Rates and Step-Up

Trigger Rates, and the FRS interest rate) at our discretion. The crediting rates for new Strategy Terms may be

lower than your initial crediting rates, subject to guaranteed minimums. You assume the risk that the crediting

rates we set will be less favorable than you find acceptable. Crediting rates for new Contract purchases may be

more favorable than the crediting rates for reallocations. We may declare different crediting rates for

reallocations based on your Contract Date.

Performance Lock Risk

You may only exercise the Performance Lock feature once during a Strategy Term for each IPCS. After you

exercise the Performance Lock feature, your locked-in Index Strategy Value will not increase under any

circumstances (even if the Index Performance is positive), and your decision to exercise the Performance Lock

feature cannot be revoked. Withdrawals and charges deducted from a locked-in IPCS will reduce the locked-in

Index Strategy Value by the amount withdrawn or charge assessed, including any applicable surrender charge.

You will not know the Interim Value used to lock in your Index Strategy Value in advance. We use the Interim

Value calculated at the end of the Business Day on which we receive your request. You assume the risk that the

Interim Value that gets locked in will be lower than the Interim Value you last obtained. Reallocations are only

permitted on Contract Anniversaries. Depending on when you exercised the Performance Lock feature, your

investment might not participate in Index Performance for as long as one year. There may not be an optimal time

to exercise the Performance Lock feature. Your Maturity Value may be higher if you do not exercise the

Performance Lock feature. If the Performance Lock feature is exercised for an IPCS, no Crediting or Protection

Strategy is applied to the IPCS

at any time

, including at the time you exercise the Performance Lock feature, on

the next Contract Anniversary when the locked-in value will be reallocated or on its Term End Date.

The Performance Lock feature may not be available in the future on certain or any IPCS options. There is a risk

that the Performance Lock feature will not be available for a new Strategy Term of the same IPCS option when

your current Strategy Term ends and your money is eligible for reinvestment or reallocation. We will send you a

notice 30 calendar days in advance of your Contract Anniversary that explains the investment options available

to you, including the availability of the Performance Lock feature. You may also contact us at

1-888-GUARDIAN (1-888-482-7342) for information about the investment options available to you. If we do

not receive your reallocation instructions at our Customer Service Office by the close of business on the date

reallocation will be effected, the amount will be automatically reinvested for a new Strategy Term in the same

IPCS, if available, subject to new crediting rates that we declare for the applicable Crediting Strategy. If the

Term End Date is a non-Business Day, reallocation instructions must be received in Good Order no later than the

close of business on the prior Business Day. If the same IPCS is not available, the amount will be automatically

reallocated to an IPCS with the same Strategy Term, Index, Protection Strategy, and Crediting Strategy, if

available (i.e., only the availability of the Performance Lock feature will differ).

This means that if you do not

provide reallocation instructions, your money could be reinvested into a new Strategy Term (up to 6 years,

depending on your investment selections)

without the Performance Lock feature

. Amounts are withdrawn

from the Investment Strategies in the order described in the “Reallocations and Withdrawals” section.

You may not request a partial withdrawal be withdrawn from a particular Investment Strategy. This

means that if you wish to withdraw money from a specific IPCS without the Performance Lock feature

before the Term End Date, your only option will be to surrender the Contract, which may incur surrender

charges, may be subject to taxes (including a 10% tax penalty before age 59

∕

), and, with respect to any

amounts surrendered from an IPCS prior to the Term End Date, will be based on the Interim Value.

Risks Related to the Indices

An investment in the Contract is subject to risks related to the reference Indices, such as:

●

Discontinuation or Substitution.

An Index may not be available the entire time you own your Contract.

If an Index is discontinued or substantially changed, or if the Index Values become unavailable, or if we

no longer have a license agreement with the publishers of the Index, or if hedging instruments become

difficult to acquire or the cost of hedging becomes excessive, we may substitute the Index with a new

Index. If we replace an Index, we will attempt to select a new Index that has a similar investment

objective and risk profile to the original Index. Such replacement Index may not be satisfactory to you.

An Index substitution will not affect the Protection Strategy or Crediting Strategy for the IPCS.

However, the performance of the new Index may differ from the original Index. This may negatively

affect the amount credited to the IPCS at the end of the Strategy Term or the Interim Value available for

Performance Lock. Because reallocations are only permitted at the end of the Strategy Term, if you do

not want to remain invested in the IPCS for the remainder of the Strategy Term or exercise the

Performance Lock feature (if available) after we substitute the Index, you may surrender the Contract,

which may incur surrender charges, may be subject to taxes (including a 10% tax penalty before age

∕

), and, with respect to any amounts surrendered from an IPCS prior to the Term End Date, will be

based on the Interim Value. The Interim Value could be less than your investment in the IPCS even if

the Index is performing positively. See “Charges and Adjustments – Interim Value Adjustment” for

more information about the calculation of the Interim Value.

●

Index Performance.

The value of each IPCS depends, in part, on the performance of a reference Index.

The performance of each Index is based on the value of its component securities, which are subject to a

variety of complex and interrelated investment risks that you are indirectly exposed to. These risks may

impact financial markets generally, specific market segments, or specific issuers. The historical

performance of an Index does not guarantee future results. Because we measure Index Performance

from the Term Start Date to the Term End Date, there is a risk that the Index Performance may be

negative or zero even if the Index performed positively at times during the Strategy Term.

●

S&P 500® Price Return Index.

This Index is comprised of equity securities issued by large-capitalization U.S. companies. In

general, it is more difficult for large-capitalization companies to change their strategies quickly in

response to changes in their industries. Large-capitalization companies are typically more

well-established and have lower growth rates than small-capitalization companies.

●

Nasdaq-100® Price Return Index.

This Index is comprised of equity securities issued by large-capitalization U.S. and non-U.S.

companies, excluding financial companies. In general, it is more difficult for large-capitalization

companies to change their strategies quickly in response to changes in their industries.

Large-capitalization companies are typically more well-established and have lower growth rates

than small-capitalization companies. Political, social and economic developments abroad and

differences between the regulations and reporting standards and practices to which foreign issuers

are subject as compared to U.S. issuers may affect the Index Performance. In addition, to the extent

the component securities are denominated in foreign currencies, their values may be subject to

risks related to changes in currency exchange rates. Finally, companies in a particular sector may

not perform as well as companies in other sectors or the market as a whole.

●

MSCI® EAFE® Price Return Index

This Index is designed to follow the performance of large- and mid-capitalization companies across

21 developed markets around the world but excluding the U.S. and Canada. Political, social and

economic developments abroad and differences between the regulations and reporting standards

and practices to which foreign issuers are subject as compared to U.S. issuers may affect the Index

Performance. In addition, to the extent the component securities are denominated in foreign

currencies, their values may be subject to risks related to changes in currency exchange rates. Risks

of investing in foreign securities are generally increased by investing in emerging market countries.

●

SG Smart Climate Index.

This Index provides investment exposure to the performance of large-capitalization U.S. stocks

through its underlying index, the SG Climate Transition Risk Index (the “Underlying SG Index”).

These stocks are selected based on proprietary climate risk preparedness scores and certain

environmental, social, and governance (“ESG”) filters. In general, it is more difficult for

large-capitalization companies to change their strategies quickly in response to changes in their

industries. Large-capitalization companies are typically more well-established and have lower

growth rates than small-capitalization companies. This Index is also subject to several unique risks,

including:

●

ESG Methodology.

The Underlying SG Index is composed of stocks that are selected based on

an ESG methodology that includes climate risk scores and ESG exclusion filters. Investors’

views about ESG matters vary, and the Underlying SG Index’s ESG methodology may not

reflect your beliefs or values. There is no guarantee that the ESG methodology will ultimately

enhance the performance of the Index. Companies with lower ESG ratings may perform better

than companies with higher ESG ratings over the short or long term. Due to the inherent

difficulty of forecasting within complex systems and the general unpredictability of future

events, there is no guarantee that the predictive climate risk models used by the Underlying

SG Index will identify stocks that will perform well if climate events occur.

●

Performance Drag.

The performance of the Index will always be worse than the performance

of the Underlying SG Index. The Index reflects deductions that reduce performance, including

a 1.50% negative performance adjustment and 0.50% fixed replication costs, each as an

annualized percentage of Index Value. In addition, the performance of the Index is reduced by

assumed costs of borrowing equal to the U.S. Federal Funds Rate. As of October 6, 2025, the

U.S. Federal Funds Rate was 4.09%. The U.S. Federal Funds Rate will fluctuate over time,

and may be higher or lower in the future. Without these deductions, the performance of the

Index over any one year period would be higher. While these deductions are not charges under

the Contract, they result in lower Index Values and may therefore negatively impact the

performance of your investment.

●

Index Disruption.

Disruptive and extraordinary events could impair the operation of the Index

or the Underlying SG Index. For example, these events could relate to the unavailability of

necessary data to apply the ESG methodology, an insufficient number of eligible stocks, or the

termination or breach of a third-party licensing agreement. Should a disruptive or

extraordinary event occur, the Index publisher may take any actions permitted by the Index

rules, such as postponing calculations or rebalances, adjusting the terms of the Index to

preserve its economic characteristics, restating Index Values, or discontinuing the Index.

●

New Index.

The Index and the Underlying SG Index have limited performance histories.

Generally, there is less publicly available information about the Index and the Underlying SG

Index compared to more established market indices.

●

In addition, although the SG Smart Climate seeks to track the performance of companies with

ESG characteristics, amounts invested in an IPCS linked to this Index are not an investment in

the Index, the Underlying SG Index, or the component companies of the Underlying SG

Index. Amounts you invest in the Contract become assets of the Company. The Company’s

assets that support its payment obligations under the Contract are not invested based on ESG

considerations.

●

iShares® Russell 2000 ETF.

This Index references the performance of the iShares® Russell 2000 ETF, which is an ETF that

seeks to track the investment results of the Russell 2000 Index, an index composed of

small-capitalization U.S. equities. The Russell 2000 Index measures the performance of the small

capitalization sector of the U.S. equity market, as defined by FTSE Russell. Compared to mid- and

large-capitalization companies, small-capitalization companies may be less stable and more

susceptible to adverse developments. The securities of small-capitalization companies may be more

volatile and less liquid than those of mid- and large-capitalization companies. As a result, the

Index’s performance may be more volatile than that of an index with greater focus on large- or

mid-capitalization stocks. An ETF is also subject to several unique risks, including:

●

Fees and Expenses.

An ETF is subject to fees and expenses, including management fees and

transaction costs, that reduce the performance of the ETF. These fees and expenses may cause

the Index to underperform a direct investment in the securities in which the ETF invests.

●

Tracking Error Risk.

Tracking Error Risk. An ETF seeks to track the investment results of a

specific market index. There is no guarantee that an ETF’s investment results will have a high

degree of correlation to the index it seeks to track or that an ETF will achieve its investment

objective. An ETF may be subject to tracking error, which is the divergence of an ETF’s

performance from that of the index it seeks to track. This risk may be heightened during times

of increased market volatility or other unusual market conditions. Among other reasons,

tracking error may result because an ETF incurs fees and expenses while the index does not.

●

Market Trading Risk.

An ETF faces numerous market trading risks, including the potential

lack of an active market for fund shares, losses from trading in secondary markets, periods of

high volatility, and disruptions in the creation/redemption process. Any of these factors,

among others, may lead to an ETF’s shares trading at a premium or discount to net asset value.

●

No Dividends.

The Index Value of a price return index generally does not include income from

dividends or other distributions paid by the Index’s component companies, and therefore the Index

Value does not fully reflect the performance of the securities that compose the Index. If dividends

and other distributions were included, the Index Value would be higher. As a result, a price return

Index will underperform similar portfolios from which dividends are reinvested. The SG Smart

Climate Index Value reflects a negative performance adjustment, in the form of a “synthetic

dividend,” intended to replicate the impact that an annual dividend would have on the Index Value.

If this “synthetic dividend” was not applied, the Index Value would be higher. This deduction

results in performance drag that will cause the Index to underperform a direct investment in the

securities that compose the Index. Index Values of the iShares® Russell 2000 ETF do not include

income from dividends or other distributions paid by the ETF’s component companies or any

dividends or distributions paid by the ETF and therefore the Index Value does not fully reflect the

performance of the securities that compose the ETF. If dividends and other distributions were

included, the Index Value would be higher. As a result, The ETF will underperform similar

portfolios from which the ETF’s dividends and other distributions are reinvested.

●

Rights in the Index.

An investment in an IPCS is not an investment in the Index or any of its

component companies. You have no voting, dividend, liquidation, or other rights with respect to

the Index, its publisher, or any of the component companies. When the Index is an ETF, you are

not a shareholder in the ETF and you have no voting, dividend, liquidation, or other rights that

belong to shareholders in the ETF.

For more information about the Indices, see Appendix C.

Risks Related to the Company

An investment in the Contract is subject to risks related to the Company, such as:

●

Financial Strength and Claims-Paying Ability.

Any obligations (including under the FRS), guarantees

or benefits of the Contract are subject to our financial strength and claims-paying ability. Our

obligations under the Contract are supported by the assets of our general account and the separate

account, both of which are subject to the claims of our creditors. You may obtain information about our

financial condition by reviewing our financial statements included in the Statement of Additional

Information.

●

Cybersecurity and Business Continuity.

Our business is highly dependent on the effective operation of

our computer systems and those of our service providers and intermediaries. We are vulnerable to

disruptions from utility outages, systems failures (e.g., hardware and software malfunctions) and

cyberattacks (including ransomware and malware attacks). Cyberattacks may be systemic (e.g.,

affecting the internet, cloud services, or other infrastructure) or targeted (e.g., failures in or breach of

our systems or those of third parties on whom we rely). The risk of cyberattacks may be higher during

periods of geopolitical turmoil, and the continuing use of remote or flexible work arrangements, remote

access tools, and mobile technology have expanded potential cyberattack surfaces. Due to the increasing

sophistication of cyberattacks, such cybersecurity incidents could occur and persist for an extended

period of time without detection Cybersecurity incidents may result in the loss, theft, misuse, release,

corruption, and destruction of data (including confidential customer or business information),

interference with or denial of service, interfere with our ability to process Contract-related transactions

(including our ability to calculate Contract Values), and may subject us to regulatory fines, litigation,

and financial losses or cause reputational damage. We have established robust and tested plans,

procedures and controls to identify potential threats and protect our operations. However, there can be

no assurance that we or our service providers and intermediaries will be able to prevent cybersecurity

risks from affecting your Contract.

We are also exposed to the risk of natural or man-made disasters, including (but not limited to) storms, fires,

floods, earthquakes, public health crises, pandemics (e.g., COVID-19), malicious acts, and terrorist acts, any

of which could disrupt our operations and interfere with our ability to administer the Contra

ct.

Index-Linked Option Risk [Line Items]

Index-Linked Option Reallocation Risk [Text Block]

Contract Value that is allocated to an IPCS may only be reallocated on the Term End Date, unless (1) you

exercise the Performance Lock feature (if available) or (2) the IPCS is matured early and its value reallocated to

the FRS due to discontinuation of an Index. Contract Value that is allocated to the FRS and any locked-in Index

Strategy Value pursuant to the exercise of the Performance Lock feature may only be reallocated on the next

Contract Anniversary. Because of these restrictions, you may not be able to change your investment selections in

response to changes in market conditions during the investment term.

Index-Linked Option Risk, Index Risk [Text Block]

The value of each IPCS depends, in part, on the performance of a reference Index.

The performance of each Index is based on the value of its component securities, which are subject to a

variety of complex and interrelated investment risks that you are indirectly exposed to. These risks may

impact financial markets generally, specific market segments, or specific issuers. The historical

performance of an Index does not guarantee future results. Because we measure Index Performance

from the Term Start Date to the Term End Date, there is a risk that the Index Performance may be

negative or zero even if the Index performed positively at times during the Strategy Term.

Benefits Available (N-4) [Text Block]

BENEFITS AVAILABLE UNDER THE CONTRACT

The following table summarizes information about the standard benefits available under the Contract.

The availability of standard benefits may vary depending on the broker-dealer through which the

Contract is sold. See Distributions- Broker-Dealer Contract

Variations

Name of Benefit	Purpose	Maximum Fee	Brief Description of Restrictions/Limitations
Performance Lock	Locks in the Interim Value of an IPCS during the Strategy Term. Locked in value may be reallocated among the available Investment Strategies on the next Contract Anniversary.	No Charge	● May not be available in the future on certain or any IPCS options. ● May not be exercised on the Term Start Date or the Term End Date. ● May only be exercised once during a Strategy Term for each IPCS with the Performance Lock feature, and cannot be revoked once exercised. ● Locked-in Index Strategy Value will no longer participate in any Index Performance (positive or negative). ● No Crediting or Protection Strategy will be applied to the locked-in IPCS at any time. ● Locked-in Index Strategy Value will remain in the locked-in IPCS and may not be reallocated or reinvested until the next Contract Anniversary. ● Locked-in Index Strategy Value is calculated at the end of the Business Day on which we receive your request, and therefore may be higher or lower than the Interim Value you last obtained. You will not know the Interim Value used to lock in your Index Strategy Value in advance. ● Automatic trigger of Performance Lock is not available for IPCS with a Dual Direction Trigger Rate Crediting Strategy and Step-Up Trigger Rate Crediting Strategy.
Standard Death Benefit	Pays a death benefit to your designated Beneficiaries equal to the Contract Value, subject to the FRS Guaranteed Surrender Value.	No Charge	● Owner must be 76 or older on the date the application is signed.
Return of Premium Death Benefit	Pays a death benefit to your designated Beneficiaries equal to the greater of (i) the Standard Death Benefit described above or (ii) the premium payment, subject to withdrawal adjustments.	No Charge	● Owner must be younger than 76 years old on the date the application is signed. ● Withdrawals may reduce the benefit by more, even significantly more, than the dollar amount withdrawn.

Benefits Available [Table Text Block]

The following table summarizes information about the standard benefits available under the Contract.

The availability of standard benefits may vary depending on the broker-dealer through which the

Contract is sold. See Distributions- Broker-Dealer Contract

Variations

Name of Benefit	Purpose	Maximum Fee	Brief Description of Restrictions/Limitations
Performance Lock	Locks in the Interim Value of an IPCS during the Strategy Term. Locked in value may be reallocated among the available Investment Strategies on the next Contract Anniversary.	No Charge	● May not be available in the future on certain or any IPCS options. ● May not be exercised on the Term Start Date or the Term End Date. ● May only be exercised once during a Strategy Term for each IPCS with the Performance Lock feature, and cannot be revoked once exercised. ● Locked-in Index Strategy Value will no longer participate in any Index Performance (positive or negative). ● No Crediting or Protection Strategy will be applied to the locked-in IPCS at any time. ● Locked-in Index Strategy Value will remain in the locked-in IPCS and may not be reallocated or reinvested until the next Contract Anniversary. ● Locked-in Index Strategy Value is calculated at the end of the Business Day on which we receive your request, and therefore may be higher or lower than the Interim Value you last obtained. You will not know the Interim Value used to lock in your Index Strategy Value in advance. ● Automatic trigger of Performance Lock is not available for IPCS with a Dual Direction Trigger Rate Crediting Strategy and Step-Up Trigger Rate Crediting Strategy.
Standard Death Benefit	Pays a death benefit to your designated Beneficiaries equal to the Contract Value, subject to the FRS Guaranteed Surrender Value.	No Charge	● Owner must be 76 or older on the date the application is signed.
Return of Premium Death Benefit	Pays a death benefit to your designated Beneficiaries equal to the greater of (i) the Standard Death Benefit described above or (ii) the premium payment, subject to withdrawal adjustments.	No Charge	● Owner must be younger than 76 years old on the date the application is signed. ● Withdrawals may reduce the benefit by more, even significantly more, than the dollar amount withdrawn.

Index-Linked Option [Line Items]

Index-Linked Options Available, Legend [Text Block]

Index Protection and Crediting Strategies

The following is a list of

IPCS

currently available under the Contract. We may change the features of the

IPCS

listed below (including the

Index

and the current limits on

Index

gains and losses), offer new

IPCS

, and

terminate existing

IPCS

. We will provide you with written notice before making any changes other than changes

to current limits on

Index

gains. Information about current limits on

Index

gains is available at

www.guardianlife.com/annuities/rates. See “Investment Strategies –

Index Protection and Crediting Strategies

(“IPCS”)

” in the prospectus for more information about the features of the

IPCS

The availability of

IPCS

may vary depending on the broker-dealer through which the contract is sold. See

Distributions- Broker-Dealer Contract

Variations

Note: If amounts are removed from an

IPCS

before the end of its

Strategy Term

, we will apply an

Interim

Value

adjustment. This may result in a significant reduction in your

Contract Value

that could exceed any

protection from

Index

loss that would be in place if you held the option until the end of the

Strategy Term

See “Charges and Adjustments –

Interim Value

Adjustment” in the prospectus for more information

about

Interim Value

adjustments.

Index	Type of Index	Strategy Term	Crediting Strategy	Current Protection Strategy Rates (if held until end of Strategy Term )	Minimum Crediting Strategy Rates (for the life of the IPCS )
S&P 500® Price Return Index 1	U.S. Large Cap Equities	One Year	Cap with Par	-10% Buffer	1.50% Cap 100% Participation
S&P 500® Price Return Index 1;3;5	U.S. Large Cap Equities	One Year	Cap with Par & Spread	-10% Buffer	1.50% Cap 100% Participation 1.00% Spread
S&P 500® Price Return Index 1;3;6	U.S. Large Cap Equities	One Year	Dual Direction Trigger Rate	-10% Buffer	0.75%
S&P 500® Price Return Index 1;5	U.S. Large Cap Equities	One Year	Step-Up Trigger Rate	-10% Buffer	1.00% Trigger
S&P 500® Price Return Index 1	U.S. Large Cap Equities	One Year	Cap with Par	-20% Buffer	1.50% Cap 100% Participation
S&P 500® Price Return Index 1;3;5	U.S. Large Cap Equities	One Year	Cap with Par & Spread	-20% Buffer	1.50% Cap 100% Participation 1.00% Spread
S&P 500® Price Return Index 1;3; 6	U.S. Large Cap Equities	One Year	Dual Direction Trigger Rate	-20% Buffer	0.75% Trigger
S&P 500® Price Return Index 1;5	U.S. Large Cap Equities	One Year	Step-Up Trigger Rate	-20% Buffer	1.00% Trigger
S&P 500® Price Return Index 1	U.S. Large Cap Equities	Three Year	Cap with Par	-10% Buffer	5.00% Cap 100% Participation
S&P 500® Price Return Index 1;3;5	U.S. Large Cap Equities	Three Year	Cap with Par & Spread	-10% Buffer	5.00% Cap 100% Participation 3.00% Spread

Index	Type of Index	Strategy Term	Crediting Strategy	Current Protection Strategy Rates (if held until end of Strategy Term)	Minimum Crediting Strategy Rates (for the life of the IPCS)
S&P 500® Price Return Index 1	U.S. Large Cap Equities	Three Year	Cap with Par	-20% Buffer	5.00% Cap 100% Participation
S&P 500® Price Return Index 1;3;5	U.S. Large Cap Equities	Three Year	Cap with Par & Spread	-20% Buffer	5.00% Cap 100% Participation 3.00% Spread
S&P 500® Price Return Index 1	U.S. Large Cap Equities	Six Year	Cap with Par	-10% Buffer	10.00% Cap 100% Participation
S&P 500® Price Return Index 1;3;5	U.S. Large Cap Equities	Six Year	Cap with Par & Spread	-10% Buffer	10.00% Cap 100% Participation 6.00% Spread
S&P 500® Price Return Index 1	U.S. Large Cap Equities	Six Year	Cap with Par	-20% Buffer	10.00% Cap 100% Participation
S&P 500® Price Return Index 1;3;5	U.S. Large Cap Equities	Six Year	Cap with Par & Spread	-20% Buffer	10.00% Cap 100% Participation 6.00% Spread
S&P 500® Price Return Index 1	U.S. Large Cap Equities	Six Year	Cap with Par	-30% Buffer	10.00% Cap 100% Participation
S&P 500® Price Return Index 1;3;5	U.S. Large Cap Equities	Six Year	Cap with Par & Spread	-30% Buffer	10.00% Cap 100% Participation 6.00% Spread
Nasdaq-100® Price Return Index 1	Non-Financial Large Cap Equities	One Year	Cap with Par	-10% Buffer	1.50% Cap 100% Participation
Nasdaq-100® Price Return Index 1;3;5	Non-Financial Large Cap Equities	One Year	Cap with Par & Spread	-10% Buffer	1.50% Cap 100% Participation 1.00% Spread
Nasdaq-100® Price Return Index 1	Non-Financial Large Cap Equities	One Year	Cap with Par	-20% Buffer	1.50% Cap 100% Participation
Nasdaq-100® Price Return Index 1;3;5	Non-Financial Large Cap Equities	One Year	Cap with Par & Spread	-20% Buffer	1.50% Cap 100% Participation 1.00% Spread
Nasdaq-100® Price Return Index 1;4	Non-Financial Large Cap Equities	Three Year	Cap with Par	-10% Buffer	5% Cap 100% Participation
Nasdaq-100® Price Return Index 1;3;5	Non-Financial Large Cap Equities	Three Year	Cap with Par & Spread	-10% Buffer	5% Cap 100% Participation 3.00% Spread
Nasdaq-100® Price Return Index 1;4	Non-Financial Large Cap Equities	Three Year	Cap with Par	-20% Buffer	5% Cap 100% Participation
Nasdaq-100® Price Return Index 1;3;5	Non-Financial Large Cap Equities	Three Year	Cap with Par & Spread	-20% Buffer	5% Cap 100% Participation 3.00% Spread

Index	Type of Index	Strategy Term	Crediting Strategy	Current Protection Strategy Rates (if held until end of Strategy Term)	Minimum Crediting Strategy Rates (for the life of the IPCS)
Nasdaq-100® Price Return Index 1;4	Non-Financial Large Cap Equities	Six Year	Cap with Par	-10% Buffer	10% Cap 100% Participation
Nasdaq-100® Price Return Index 1;3;5	Non-Financial Large Cap Equities	Six Year	Cap with Par & Spread	-10% Buffer	10% Cap 100% Participation 6.00% Spread
Nasdaq-100® Price Return Index 1;4	Non-Financial Large Cap Equities	Six Year	Cap with Par	-20% Buffer	10% Cap 100% Participation
Nasdaq-100® Price Return Index 1;3;5	Non-Financial Large Cap Equities	Six Year	Cap with Par & Spread	-20% Buffer	10% Cap 100% Participation 6.00% Spread
Nasdaq-100® Price Return Index 1;4	Non-Financial Large Cap Equities	Six Year	Cap with Par	-30% Buffer	10% Cap 100% Participation
Nasdaq-100® Price Return Index 1;3;5	Non-Financial Large Cap Equities	Six Year	Cap with Par & Spread	-30% Buffer	10% Cap 100% Participation 6.00% Spread
MSCI EAFE Price Return Index 1	International Equities	One Year	Cap with Par	-10% Buffer	1.50% Cap 100% Participation
MSCI EAFE Price Return Index 1	International Equities	One Year	Cap with Par	-20% Buffer	1.50% Cap 100% Participation
SG Smart Climate Index 2;3;8	U.S. Large Cap Equities with ESG Characteristics	One Year	Cap with Par	-10% Buffer	1.50% Cap 100% Participation
SG Smart Climate Index 2;3;8	U.S. Large Cap Equities with ESG Characteristics	One Year	Cap with Par	-20% Buffer	1.50% Cap 100% Participation
SG Smart Climate Index 2;3;8	U.S. Large Cap Equities with ESG Characteristics	Three Year	Cap with Par	-10% Buffer	5.00% Cap 100% Participation
SG Smart Climate Index 2;3;8	U.S. Large Cap Equities with ESG Characteristics	Three Year	Cap with Par	-20% Buffer	5.00% Cap 100% Participation
SG Smart Climate Index 2;3;8	U.S. Large Cap Equities with ESG Characteristics	Six Year	Cap with Par	-10% Buffer	10.00% Cap 100% Participation
SG Smart Climate Index 2;3;8	U.S. Large Cap Equities with ESG Characteristics	Six Year	Cap with Par	-20% Buffer	10.00% Cap 100% Participation
SG Smart Climate Index 2;3;8	U.S. Large Cap Equities with ESG Characteristics	Six Year	Cap with Par	-30% Buffer	10.00% Cap 100% Participation
iShares Russell 2000 ETF 2;3;6;7	U.S. Small Cap Equities	One Year	Cap with Par	10% Buffer	1.50% Cap 100% Participation

Index	Type of Index	Strategy Term	Crediting Strategy	Current Protection Strategy Rates (if held until end of Strategy Term)	Minimum Crediting Strategy Rates (for the life of the IPCS)
iShares Russell 2000 ETF 2;3;6;7	U.S. Small Cap Equities	One Year	Cap with Par	20% Buffer	1.50% Cap 100% Participation
iShares Russell 2000 ETF 2;3;6;7	U.S. Small Cap Equities	Six Year	Cap with Par	10% Buffer	1.50% Cap 100% Participation
iShares Russell 2000 ETF 2;3;6;7	U.S. Small Cap Equities	Six Year	Cap with Par	20% Buffer	1.50% Cap 100% Participation

The

Index

is a “price return”

index

, not a “total return”

index

, and therefore the performance of the

Index

does not reflect dividends

declared by any of the companies included in the

Index

, reducing the

Index

return. As a result, the

Index

will underperform a direct

investment in the securities composing the

Index

The

Index

deducts fees and costs when calculating the

Index

return, reducing the

Index

return. As a result, the

Index

will

underperform a direct investment in the securities composing the

Index

This

IPCS

is not available under Contracts issued in the state of New York.

This

IPCS

is only available for Contracts issued in conjunction with applications signed on or after May 1, 2025.

This

IPCS

is only available for Contracts issued in conjunction with applications signed on or after December 8, 2025.

This

IPCS

is only available for Contracts issued in conjunction with applications signed on or after

August 10, 2026

This

Index

is an exchange-traded fund (ETF), and performance does not include income from dividends or other distributions paid by

the ETF’s component companies or any dividends or distributions paid by the ETF, reducing the

Index

return. As a result, the

Index

will underperform a direct investment in the securities composing the

Index

This

IPCS

is no longer available for renewal allocations effective

August 1, 2026

and is not available to new Contracts issued on or

after

August 10, 2026

We always intend to offer the 1-Year / -10%

Buffer

/ S&P 500

Index

Cap with Par

IPCS

option, subject

to our right to substitute the

Index

with one that is substantially similar, which means we will always offer

a strategy with a -10%

Buffer

you

invest in an

IPCS

with the

Cap with Par

Crediting Strategy

, we guarantee that the

Participation

Rate

will never be less than 100%, and the

Cap Rate

will never be less than 1.50% for any

IPCS

with a 1

year

Strategy

Term

, 5.00% for any

IPCS

with a 3 year

Strategy

Term

, and 10.00% for any

IPCS

with a 6

year

Strategy

Term

. If

you

invest in an

IPCS

with the

Cap with Par & Spread

Crediting Strategy

, we

guarantee that (i) the

Participation Rate

will never be less than 100%; (ii) the

Cap Rate

will never be less

than 1.50% for any

IPCS

with a 1 year

Strategy

Term

, 5.00% for any

IPCS

with a 3 year

Strategy

Term

and 10.00% for any

IPCS

with a 6 year

Strategy

Term

; and (iii) the

Spread

will never be greater than

1.00% for any

IPCS

with a 1 year

Strategy

Term

. If

you

invest in an

IPCS

with the

Dual Direction Trigger

Rate

Crediting Strategy

or the

Step-Up Trigger Rate

Crediting Strategy

, we guarantee that the

Dual

Direction Trigger Rate

will never be less than 0.75% and the

Step-Up Trigger Rate

will never be less than

1.00% for any

IPCS

with a 1 year

Strategy

Term

See Appendix B for state variations that may apply.

Fixed Rate Strategy

The following describes the

Fixed Rate Strategy

currently available under the Contract. We may change the

features of the

FRS

, offer new

FRS

options, and terminate the existing

FRS

. We will provide

you

with written

notice before doing so.

Name	Term	Minimum Guaranteed Interest Rate
Fixed Rate Strategy	One Year	0.15%

Index-Linked Options Available [Table Text Block]

The following is a list of

IPCS

currently available under the Contract. We may change the features of the

IPCS

listed below (including the

Index

and the current limits on

Index

gains and losses), offer new

IPCS

, and

terminate existing

IPCS

. We will provide you with written notice before making any changes other than changes

to current limits on

Index

gains. Information about current limits on

Index

gains is available at

www.guardianlife.com/annuities/rates. See “Investment Strategies –

Index Protection and Crediting Strategies

(“IPCS”)

” in the prospectus for more information about the features of the

IPCS

The availability of

IPCS

may vary depending on the broker-dealer through which the contract is sold. See

Distributions- Broker-Dealer Contract

Variations

Note: If amounts are removed from an

IPCS

before the end of its

Strategy Term

, we will apply an

Interim

Value

adjustment. This may result in a significant reduction in your

Contract Value

that could exceed any

protection from

Index

loss that would be in place if you held the option until the end of the

Strategy Term

See “Charges and Adjustments –

Interim Value

Adjustment” in the prospectus for more information

about

Interim Value

adjustments.

Index	Type of Index	Strategy Term	Crediting Strategy	Current Protection Strategy Rates (if held until end of Strategy Term )	Minimum Crediting Strategy Rates (for the life of the IPCS )
S&P 500® Price Return Index 1	U.S. Large Cap Equities	One Year	Cap with Par	-10% Buffer	1.50% Cap 100% Participation
S&P 500® Price Return Index 1;3;5	U.S. Large Cap Equities	One Year	Cap with Par & Spread	-10% Buffer	1.50% Cap 100% Participation 1.00% Spread
S&P 500® Price Return Index 1;3;6	U.S. Large Cap Equities	One Year	Dual Direction Trigger Rate	-10% Buffer	0.75%
S&P 500® Price Return Index 1;5	U.S. Large Cap Equities	One Year	Step-Up Trigger Rate	-10% Buffer	1.00% Trigger
S&P 500® Price Return Index 1	U.S. Large Cap Equities	One Year	Cap with Par	-20% Buffer	1.50% Cap 100% Participation
S&P 500® Price Return Index 1;3;5	U.S. Large Cap Equities	One Year	Cap with Par & Spread	-20% Buffer	1.50% Cap 100% Participation 1.00% Spread
S&P 500® Price Return Index 1;3; 6	U.S. Large Cap Equities	One Year	Dual Direction Trigger Rate	-20% Buffer	0.75% Trigger
S&P 500® Price Return Index 1;5	U.S. Large Cap Equities	One Year	Step-Up Trigger Rate	-20% Buffer	1.00% Trigger
S&P 500® Price Return Index 1	U.S. Large Cap Equities	Three Year	Cap with Par	-10% Buffer	5.00% Cap 100% Participation
S&P 500® Price Return Index 1;3;5	U.S. Large Cap Equities	Three Year	Cap with Par & Spread	-10% Buffer	5.00% Cap 100% Participation 3.00% Spread

Index	Type of Index	Strategy Term	Crediting Strategy	Current Protection Strategy Rates (if held until end of Strategy Term)	Minimum Crediting Strategy Rates (for the life of the IPCS)
S&P 500® Price Return Index 1	U.S. Large Cap Equities	Three Year	Cap with Par	-20% Buffer	5.00% Cap 100% Participation
S&P 500® Price Return Index 1;3;5	U.S. Large Cap Equities	Three Year	Cap with Par & Spread	-20% Buffer	5.00% Cap 100% Participation 3.00% Spread
S&P 500® Price Return Index 1	U.S. Large Cap Equities	Six Year	Cap with Par	-10% Buffer	10.00% Cap 100% Participation
S&P 500® Price Return Index 1;3;5	U.S. Large Cap Equities	Six Year	Cap with Par & Spread	-10% Buffer	10.00% Cap 100% Participation 6.00% Spread
S&P 500® Price Return Index 1	U.S. Large Cap Equities	Six Year	Cap with Par	-20% Buffer	10.00% Cap 100% Participation
S&P 500® Price Return Index 1;3;5	U.S. Large Cap Equities	Six Year	Cap with Par & Spread	-20% Buffer	10.00% Cap 100% Participation 6.00% Spread
S&P 500® Price Return Index 1	U.S. Large Cap Equities	Six Year	Cap with Par	-30% Buffer	10.00% Cap 100% Participation
S&P 500® Price Return Index 1;3;5	U.S. Large Cap Equities	Six Year	Cap with Par & Spread	-30% Buffer	10.00% Cap 100% Participation 6.00% Spread
Nasdaq-100® Price Return Index 1	Non-Financial Large Cap Equities	One Year	Cap with Par	-10% Buffer	1.50% Cap 100% Participation
Nasdaq-100® Price Return Index 1;3;5	Non-Financial Large Cap Equities	One Year	Cap with Par & Spread	-10% Buffer	1.50% Cap 100% Participation 1.00% Spread
Nasdaq-100® Price Return Index 1	Non-Financial Large Cap Equities	One Year	Cap with Par	-20% Buffer	1.50% Cap 100% Participation
Nasdaq-100® Price Return Index 1;3;5	Non-Financial Large Cap Equities	One Year	Cap with Par & Spread	-20% Buffer	1.50% Cap 100% Participation 1.00% Spread
Nasdaq-100® Price Return Index 1;4	Non-Financial Large Cap Equities	Three Year	Cap with Par	-10% Buffer	5% Cap 100% Participation
Nasdaq-100® Price Return Index 1;3;5	Non-Financial Large Cap Equities	Three Year	Cap with Par & Spread	-10% Buffer	5% Cap 100% Participation 3.00% Spread
Nasdaq-100® Price Return Index 1;4	Non-Financial Large Cap Equities	Three Year	Cap with Par	-20% Buffer	5% Cap 100% Participation
Nasdaq-100® Price Return Index 1;3;5	Non-Financial Large Cap Equities	Three Year	Cap with Par & Spread	-20% Buffer	5% Cap 100% Participation 3.00% Spread

Index	Type of Index	Strategy Term	Crediting Strategy	Current Protection Strategy Rates (if held until end of Strategy Term)	Minimum Crediting Strategy Rates (for the life of the IPCS)
Nasdaq-100® Price Return Index 1;4	Non-Financial Large Cap Equities	Six Year	Cap with Par	-10% Buffer	10% Cap 100% Participation
Nasdaq-100® Price Return Index 1;3;5	Non-Financial Large Cap Equities	Six Year	Cap with Par & Spread	-10% Buffer	10% Cap 100% Participation 6.00% Spread
Nasdaq-100® Price Return Index 1;4	Non-Financial Large Cap Equities	Six Year	Cap with Par	-20% Buffer	10% Cap 100% Participation
Nasdaq-100® Price Return Index 1;3;5	Non-Financial Large Cap Equities	Six Year	Cap with Par & Spread	-20% Buffer	10% Cap 100% Participation 6.00% Spread
Nasdaq-100® Price Return Index 1;4	Non-Financial Large Cap Equities	Six Year	Cap with Par	-30% Buffer	10% Cap 100% Participation
Nasdaq-100® Price Return Index 1;3;5	Non-Financial Large Cap Equities	Six Year	Cap with Par & Spread	-30% Buffer	10% Cap 100% Participation 6.00% Spread
MSCI EAFE Price Return Index 1	International Equities	One Year	Cap with Par	-10% Buffer	1.50% Cap 100% Participation
MSCI EAFE Price Return Index 1	International Equities	One Year	Cap with Par	-20% Buffer	1.50% Cap 100% Participation
SG Smart Climate Index 2;3;8	U.S. Large Cap Equities with ESG Characteristics	One Year	Cap with Par	-10% Buffer	1.50% Cap 100% Participation
SG Smart Climate Index 2;3;8	U.S. Large Cap Equities with ESG Characteristics	One Year	Cap with Par	-20% Buffer	1.50% Cap 100% Participation
SG Smart Climate Index 2;3;8	U.S. Large Cap Equities with ESG Characteristics	Three Year	Cap with Par	-10% Buffer	5.00% Cap 100% Participation
SG Smart Climate Index 2;3;8	U.S. Large Cap Equities with ESG Characteristics	Three Year	Cap with Par	-20% Buffer	5.00% Cap 100% Participation
SG Smart Climate Index 2;3;8	U.S. Large Cap Equities with ESG Characteristics	Six Year	Cap with Par	-10% Buffer	10.00% Cap 100% Participation
SG Smart Climate Index 2;3;8	U.S. Large Cap Equities with ESG Characteristics	Six Year	Cap with Par	-20% Buffer	10.00% Cap 100% Participation
SG Smart Climate Index 2;3;8	U.S. Large Cap Equities with ESG Characteristics	Six Year	Cap with Par	-30% Buffer	10.00% Cap 100% Participation
iShares Russell 2000 ETF 2;3;6;7	U.S. Small Cap Equities	One Year	Cap with Par	10% Buffer	1.50% Cap 100% Participation

Index	Type of Index	Strategy Term	Crediting Strategy	Current Protection Strategy Rates (if held until end of Strategy Term)	Minimum Crediting Strategy Rates (for the life of the IPCS)
iShares Russell 2000 ETF 2;3;6;7	U.S. Small Cap Equities	One Year	Cap with Par	20% Buffer	1.50% Cap 100% Participation
iShares Russell 2000 ETF 2;3;6;7	U.S. Small Cap Equities	Six Year	Cap with Par	10% Buffer	1.50% Cap 100% Participation
iShares Russell 2000 ETF 2;3;6;7	U.S. Small Cap Equities	Six Year	Cap with Par	20% Buffer	1.50% Cap 100% Participation

The

Index

is a “price return”

index

, not a “total return”

index

, and therefore the performance of the

Index

does not reflect dividends

declared by any of the companies included in the

Index

, reducing the

Index

return. As a result, the

Index

will underperform a direct

investment in the securities composing the

Index

The

Index

deducts fees and costs when calculating the

Index

return, reducing the

Index

return. As a result, the

Index

will

underperform a direct investment in the securities composing the

Index

This

IPCS

is not available under Contracts issued in the state of New York.

This

IPCS

is only available for Contracts issued in conjunction with applications signed on or after May 1, 2025.

This

IPCS

is only available for Contracts issued in conjunction with applications signed on or after December 8, 2025.

This

IPCS

is only available for Contracts issued in conjunction with applications signed on or after

August 10, 2026

This

Index

is an exchange-traded fund (ETF), and performance does not include income from dividends or other distributions paid by

the ETF’s component companies or any dividends or distributions paid by the ETF, reducing the

Index

return. As a result, the

Index

will underperform a direct investment in the securities composing the

Index

This

IPCS

is no longer available for renewal allocations effective

August 1, 2026

and is not available to new Contracts issued on or

after

August 10, 2026

Index-Linked Option Available, Price Return Index Underperforms [Text Block]

The

Index

is a “price return”

index

, not a “total return”

index

, and therefore the performance of the

Index

does not reflect dividends

declared by any of the companies included in the

Index

, reducing the

Index

return. As a result, the

Index

will underperform a direct

investment in the securities composing the

Index

The

Index

deducts fees and costs when calculating the

Index

return, reducing the

Index

return. As a result, the

Index

will

underperform a direct investment in the securities composing the

Index

This

IPCS

is not available under Contracts issued in the state of New York.

This

IPCS

is only available for Contracts issued in conjunction with applications signed on or after May 1, 2025.

This

IPCS

is only available for Contracts issued in conjunction with applications signed on or after December 8, 2025.

This

IPCS

is only available for Contracts issued in conjunction with applications signed on or after

August 10, 2026

This

Index

is an exchange-traded fund (ETF), and performance does not include income from dividends or other distributions paid by

the ETF’s component companies or any dividends or distributions paid by the ETF, reducing the

Index

return. As a result, the

Index

will underperform a direct investment in the securities composing the

Index

This

IPCS

is no longer available for renewal allocations effective

August 1, 2026

and is not available to new Contracts issued on or

after

August 10, 2026

Standard Death Benefit [Member]

Purpose of Benefit [Text Block]

Standard Death

Benefit

Pays a death benefit to your

designated Beneficiaries

equal to the Contract Value,

subject to the FRS

Guaranteed Surrender Value.

Brief Restrictions / Limitations [Text Block]

●

Owner must be 76 or older on the

date the application is signed.

Performance Lock [Member]

Standard Death

Benefit

Purpose of Benefit [Text Block]

Performance

Lock

Locks in the Interim Value of

an IPCS during the Strategy

Term. Locked in value may

be reallocated among the

available Investment

Strategies on the next

Contract Anniversary.

Brief Restrictions / Limitations [Text Block]

●

May not be available in the future on

certain or any IPCS options.

●

May not be exercised on the Term

Start Date or the Term End Date.

●

May only be exercised once during a

Strategy Term for each IPCS with

the Performance Lock feature, and

cannot be revoked once exercised.

●

Locked-in Index Strategy Value will

no longer participate in any Index

Performance (positive or negative).

●

No Crediting or Protection Strategy

will be applied to the locked-in IPCS

at any time.

●

Locked-in Index Strategy Value will

remain in the locked-in IPCS and

may not be reallocated or reinvested

until the next Contract Anniversary.

●

Locked-in Index Strategy Value is

calculated at the end of the Business

Day on which we receive your

request, and therefore may be higher

or lower than the Interim Value you

last obtained. You will not know the

Interim Value used to lock in your

Index Strategy Value in advance.

●

Automatic trigger of Performance

Lock is not available for IPCS with a

Dual Direction Trigger Rate

Crediting Strategy and Step-Up

Trigger Rate Crediting Strategy.

Return of Premium Death Benefit [Member]

Performance

Lock

Purpose of Benefit [Text Block]

Return of

Premium Death

Benefit

Pays a death benefit to your

designated Beneficiaries

equal to the greater of (i) the

Standard Death Benefit

described above or (ii) the

premium payment, subject to

withdrawal adjustments.

Brief Restrictions / Limitations [Text Block]

●

Owner must be younger than 76

years old on the date the application

is signed.

●

Withdrawals may reduce the benefit

by more, even significantly more,

than the dollar amount withdrawn.

Surrender Charge [Member]

Return of

Premium Death

Benefit

Item 4. Fee Table [Line Items]

Other Transaction Fee, Current [Percent]

^[2]

8.00%

Other Transaction Fee, Footnotes [Text Block]

The surrender charge will be imposed when

you

take a partial withdrawal or surrender

your

Contract during the first six

Contract

Years

, unless an exception applies. Each year during the first six

Contract Years

, however,

you

may take withdrawals up to the “free

withdrawal amount” without incurring a surrender charge. The free withdrawal amount is the greater of (i) 10% of

your

Contract Value

as of the most recent

Contract Anniversary

(or, in the first

Contract Year

, 10% of

your

total premiums paid) or (ii)

your

RMD under

our automatic RMD program.

Risk of Loss [Member]

Not Short Term Investment Risk [Member]

Yes

You

can lose money by investing in the Contract, including the loss of

principal and previously credited earnings.

you

invest in an

IPCS

with the

lowest level of protection currently offered (the -10%

Buffer

you

could

experience losses up to 90% at the end of the

Strategy Term

. We always

intend to offer the 1-Year / -10%

Buffer

/ S&P 500

Index

Cap with Par

IPCS

option, subject to our right to substitute the

Index

with one that is

substantially similar, which means we will always offer a strategy with a

-10%

Buffer

Investment Options Risk [Member]

No.

This Contract is not a short-term investment and is not appropriate for an

investor who needs ready access to cash. Withdrawals could result in surrender

charges during the first six years

you

own the Contract, and may be subject to

taxes and tax penalties (including a 10% tax penalty before age 59

∕

In addition, amounts removed from an

IPCS

prior to the end of the

Strategy

Term

may be subject to a negative

Interim Value

adjustment, which could result

in a loss that is greater than the level of protection the

Protection Strategy

would provide on the

Term End Date

, or a gain that is lower than the return the

Crediting Strategy

would provide on the

Term End Date

. The calculation of the

Interim Value

in connection with a withdrawal could result in the loss of

principal and previously credited earnings, even if the

Index

is performing

positively, and such losses could be substantial.

Contract Value

that is allocated to an

IPCS

may only be reallocated on the

Term End Date

(which is also a

Contract Anniversary

) unless

you

exercise the

Performance Lock

feature (if available).

Contract Value

that is allocated to the

FRS

and any locked-in

Index Strategy Value

pursuant to the exercise of the

Performance Lock

feature may be reallocated on the next

Contract Anniversary

If we do not receive

your

reallocation instructions at our

Customer Service

Office

by the close of business on the date the reallocation will be effected,

your

Contract Value

will be automatically reinvested in the same Investment

Strategies, if available (i.e., the

Fixed Rate Strategy Value

will be reinvested in

the

FRS

, the

Index Strategy Value

will be reinvested in the same

IPCS

), subject

to the new crediting rates. If the same

IPCS

is not available, the amount will be

automatically reallocated to an

IPCS

with the same

Strategy Term

Index

Protection Strategy

, and

Crediting Strategy

, if available (i.e., only the

availability of the

Performance Lock

feature is different). If such an

IPCS

not available, the amount will be automatically reallocated to the 1-Year

Strategy Term

/ -10%

Buffer

/ S&P 500

Index

Cap with Par

/ with or without

Performance Lock

(depending on availability). Any reallocation absent

your

instruction may not be satisfactory to

you

Item 5. Principal Risks [Line Items]

An investment in the Contract is subject to the risk of poor investment

performance and can vary based on the performance of the Investment

Strategies available under the Contract. Each

Investment Strategy

(including

the

FRS

) has its own unique risks.

You

should review each of the available

Investment Strategies before making an investment decision.

The

Crediting Strategy

of an

IPCS

will limit positive

Index

returns on the

Term

End Date

The application of the

Crediting Strategy

may cause

your

returns under the

IPCS

to be lower than the

Index’s

returns.

Under the

Cap with Par

Crediting Strategy

your

return will be limited to the

extent the

Index

return exceeds the

Cap Rate

(if any). For example, if the

Index

return is 25%, the

Cap Rate

is 20%, and the

Participation Rate

is 100%, we

will credit 20% in interest at the end of the

Strategy Term

, meaning the amount

you

invested in the

IPCS

will increase by 20%. If we do not declare a

Cap

Rate

for a particular

Strategy Term

your

return will not be limited. For

example, if the

Index

return is 25%, we do not declare a

Cap Rate

, and the

Participation Rate

is 125%, we will credit 31.25% in interest at the end of the

Strategy Term

, meaning the amount

you

invested in the

IPCS

will increase by

31.25%.

Under the

Cap with Par & Spread

Crediting Strategy

your

return will be

reduced by the

Spread

and will be limited to the extent the

Index

return

exceeds the

Cap Rate

(if any). For example, if the

Index

return is 25%, the

Cap

Rate

is 20%, the

Participation Rate

is 100%, and the

Spread

is 1%, we will

credit 19% in interest at the end of the

Strategy Term

. If we do not declare a

Cap Rate

for a particular

Strategy Term

your

return will not be limited, but

will still be reduced by the

Spread

. For example, if the

Index

return is 25%, we

do not declare a

Cap Rate

, the

Participation Rate

is 125%, and the

Spread

1%, we will credit 30% in interest at the end of the

Strategy Term

Under the

Dual Direction Trigger Rate

Crediting Strategy

your

return will be

limited to the extent the

Index

return exceeds the

Dual Direction Trigger Rate

For example, if the

Index

return is 25% and the

Dual Direction Trigger Rate

10%, we will credit 10% in interest at the end of the

Strategy Term

Under the

Step-Up Trigger Rate

Crediting Strategy

your

return will be limited

to the extent the

Index

return exceeds the

Step-Up Trigger Rate

. For example,

if the

Index

return is 25% and the

Step-Up Trigger Rate

is 12%, we will credit

12% in interest at the end of the

Strategy Term

The

Protection Strategy

of an

IPCS

will limit negative

Index

returns on the

Term End Date

. Under the

Buffer

Protection Strategy

, if the

Index Performance

on the

Term End Date

is negative,

you

will be subject to any loss that exceeds

the

Buffer Rate

. For example, if the

Index

return is -25% and the

Buffer Rate

-10%, we will credit -15% (the amount that exceeds the

Buffer Rate

) at the end

of the

Strategy Term

, meaning the amount

you

invested in the

IPCS

will

decrease by 15%.

The

Indices

, except the SG Smart Climate

Index

, are “price return”

indices

, not

“total return”

indices

, and therefore they do not include income from dividends

or other distributions paid by their component companies. Similarly, the

iShares® Russell 2000 ETF does not include income from dividends or other

distributions paid by the ETF’s component companies or any dividends or

distributions paid by the ETF. If dividends and other distributions were

included, the

Index

returns would be higher. The SG Smart Climate

Index

Value

reflects a negative performance adjustment, in the form of a “synthetic

dividend,” intended to replicate the impact that an annual dividend would have

on the

Index

return. If this “synthetic dividend” was not applied, the

Index

return would be higher. As a result of these calculations, the

Indices

will

underperform a direct investment in the securities that compose them.

Market Risk [Member]

Principal Risk [Text Block]

Market Risk

There is a risk of loss of principal and previously-credited earnings due to poor investment performance, and

such losses may be substantial. In recent years, the financial markets have experienced periods of significant

volatility and negative returns, contributing to an uncertain and evolving economic environment. Financial

markets have been impacted by several interrelating factors, including (but not limited to) pandemics,

geopolitical turmoil, rising inflation, economic recessions, interest rate fluctuations, and actions by governmental

authorities. Depending on the Investment Strategies you select and the timing of transactions you request (e.g.,

reallocations, withdrawals, exercise of the Performance Lock feature), you may experience significant negative

returns under the Contract.

Index-Linked Option Risk [Member]

Item 5. Principal Risks [Line Items]

Principal Risk [Text Block]

Index – Linked Option Risks

Protection Strategies

The Protection Strategies provide downside protection from negative Index performance only on the Term End

Date, so your risk of loss is greater on any other date during the Strategy Term. For multi-year Strategy Terms,

the Protection Strategies are

not

applied on an annual basis; any negative Index Performance is measured from

the Term Start Date to the Term End Date. In other words, the limits on downside loss provided by the Protection

Strategy are applied to the Index Performance at the end of the Strategy Term, not during the Strategy Term or

over the life of the Contract.

If you invest in an IPCS, you will bear the portion of loss that exceeds your

Buffer Rate. If you invest in an IPCS with the lowest level of protection currently offered (the -10%

Buffer), you could experience losses up to 90% at the end of the Strategy Term due to negative Index

Performance. We always intend to offer the 1-Year / -10% Buffer / S&P 500 Index / Cap with Par IPCS

option, subject to our right to substitute the Index with one that is substantially similar, which means we

will always offer a strategy with a -10% Buffer.

If you reinvest your money in the same IPCS over the course

of multiple Strategy Terms, you may incur greater losses than the protection level provided by that IPCS over the

course of a single Strategy Term.

Crediting Strategies

The Crediting Strategies determine how positive Index performance is credited on the Term End Date, and may

limit or enhance your returns under the IPCS. The amount you can earn on an IPCS will be limited to the extent

the Index return exceeds (i) the Cap Rate (if any) under the Cap with Par Crediting Strategy or the Cap with Par

& and Spread Crediting Strategy, (ii) the Dual Direction Trigger Rate under the Dual Direction Trigger Rate

Crediting Strategy, or (iii) the Step-Up Trigger Rate under the Step-Up Trigger Rate Crediting Strategy. Your

returns will also be reduced by the Spread under the Cap with Par & Spread Crediting Strategy. The application

of the Crediting Strategy may cause your returns under the IPCS to be lower than the Index’s returns. For

multi-year Strategy Terms, the Crediting Strategies are

not

applied on an annual basis; any positive Index

Performance is measured from the Term Start Date to the Term End Date. In other words, the Crediting Strategy

will be applied to the Index Performance at the end of the Strategy Term, not during the Strategy Term or over

the life of the Contract. Your investment in an IPCS is not an investment in the Index or the securities tracked by

the Index.

Insurance Company Risk [Member]