0001378536 2026-05-01 2026-05-01 0001378536 ck0001378536:C000096294Member 2026-05-01 2026-05-01 pure iso4217:USD N-4 0001378536 N-4 false EAIC VARIABLE CONTRACT ACCOUNT A 2026-10-13 <div style="padding-left:37.05pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:78.198%"><tr><td style="width:1.0%"></td><td style="width:52.933%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.288%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.479%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#d9d9d9;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:2.57pt;padding-right:-2.63pt">Annual Fee</div></td><td colspan="3" style="background-color:#d8d8d8;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:17.54pt;padding-right:17.54pt;text-align:center">Minimum</div></td><td colspan="3" style="background-color:#d8d8d8;border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:23.09pt;padding-right:23.09pt;text-align:center">Maximum</div></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-right:-2.63pt">Base Contract 1</div></td><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:1.5pt 10.01pt;text-align:center;vertical-align:top">1.00%</td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:1.5pt 12.78pt;text-align:center;vertical-align:top">3.25%</td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:2.57pt;padding-right:-2.63pt">Investment Options (Portfolio Fees and Expenses)</div></td><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:1.5pt 10.01pt;text-align:center;vertical-align:top">0.50%</td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:1.5pt 12.78pt;text-align:center;vertical-align:top">0.84%</td></tr><tr><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-right:-2.63pt">Optional Benefits For An Additional Charge 2</div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:17.54pt;padding-right:17.54pt;text-align:center">None</div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:23.07pt;padding-right:23.07pt;text-align:center">None</div></td></tr></table></div><div style="padding-left:46.1pt;text-indent:-6.55pt">1The Base Contract fee includes the fee for the IncomeFlex Target Benefit and the mortality and expense fee.</div><div style="padding-left:46.1pt;text-indent:-6.55pt">2The Optional Benefit is the Optional Spousal Benefit.</div><div> </div><div> </div><div style="padding-left:22.5pt;padding-right:40.5pt">(b) In the “Are There Ongoing Fees and Expenses?” section of the “FEES AND EXPENSES” table, we are replacing the Lowest Annual Cost and Highest Annual Cost chart with the following:</div><div style="margin-top:0.2pt"> </div><div style="padding-left:29.1pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:87.001%"><tr><td style="width:1.0%"></td><td style="width:51.345%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:46.455%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#dadada;border-left:1pt solid #000;border-top:1pt solid #000;padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:69.79pt;padding-right:69.79pt;text-align:center">Lowest Annual Cost</div></td><td colspan="3" style="background-color:#dadada;border-left:1pt solid #000;border-right:1pt solid #000;border-top:1pt solid #000;padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:57.82pt;padding-right:57.82pt;text-align:center">Highest Annual Cost</div></td></tr><tr><td colspan="3" style="background-color:#dadada;border-left:1pt solid #000;padding:1.5pt 36.13pt;text-align:center;vertical-align:top">$1,371</td><td colspan="3" style="background-color:#dadada;border-left:1pt solid #000;border-right:1pt solid #000;padding:1.5pt 30.16pt;text-align:center;vertical-align:top">$3,442</td></tr><tr><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000;padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-right:-2.63pt">Assumes:</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:-2.63pt;text-indent:-18pt">•Investment of $100,000</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:-2.63pt;text-indent:-18pt">•5% annual appreciation</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:4.72pt;text-indent:-18pt">•Least expensive combination of Base Contract fee and portfolio fees and expenses</div><div style="margin-top:0.05pt;padding-left:35.97pt;padding-right:-2.63pt;text-indent:-18pt">•No sales charges</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:7.17pt;text-indent:-18pt">•No additional purchase payments, transfers or withdrawals</div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000;padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-right:-2.63pt">Assumes:</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:-2.63pt;text-indent:-18pt">•Investment of $100,000</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:-2.63pt;text-indent:-18pt">•5% annual appreciation</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:20.92pt;text-indent:-18pt">•Most expensive combination of Base Contract fee and portfolio fees and expenses</div><div style="margin-top:0.1pt;padding-left:35.97pt;padding-right:-2.63pt;text-indent:-18pt">•No sales charges</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:33.17pt;text-indent:-18pt">•No additional purchase payments, transfers or withdrawals</div></td></tr></table></div> <div style="padding-left:37.05pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:78.198%"><tr><td style="width:1.0%"></td><td style="width:52.933%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.288%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.479%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#d9d9d9;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:2.57pt;padding-right:-2.63pt">Annual Fee</div></td><td colspan="3" style="background-color:#d8d8d8;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:17.54pt;padding-right:17.54pt;text-align:center">Minimum</div></td><td colspan="3" style="background-color:#d8d8d8;border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:23.09pt;padding-right:23.09pt;text-align:center">Maximum</div></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-right:-2.63pt">Base Contract 1</div></td><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:1.5pt 10.01pt;text-align:center;vertical-align:top">1.00%</td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:1.5pt 12.78pt;text-align:center;vertical-align:top">3.25%</td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:2.57pt;padding-right:-2.63pt">Investment Options (Portfolio Fees and Expenses)</div></td><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:1.5pt 10.01pt;text-align:center;vertical-align:top">0.50%</td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:1.5pt 12.78pt;text-align:center;vertical-align:top">0.84%</td></tr><tr><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-right:-2.63pt">Optional Benefits For An Additional Charge 2</div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:17.54pt;padding-right:17.54pt;text-align:center">None</div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:23.07pt;padding-right:23.07pt;text-align:center">None</div></td></tr></table></div><div style="padding-left:46.1pt;text-indent:-6.55pt">1The Base Contract fee includes the fee for the IncomeFlex Target Benefit and the mortality and expense fee.</div><div style="padding-left:46.1pt;text-indent:-6.55pt">2The Optional Benefit is the Optional Spousal Benefit.</div><div> </div><div> </div><div style="padding-left:22.5pt;padding-right:40.5pt">(b) In the “Are There Ongoing Fees and Expenses?” section of the “FEES AND EXPENSES” table, we are replacing the Lowest Annual Cost and Highest Annual Cost chart with the following:</div><div style="margin-top:0.2pt"> </div><div style="padding-left:29.1pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:87.001%"><tr><td style="width:1.0%"></td><td style="width:51.345%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:46.455%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#dadada;border-left:1pt solid #000;border-top:1pt solid #000;padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:69.79pt;padding-right:69.79pt;text-align:center">Lowest Annual Cost</div></td><td colspan="3" style="background-color:#dadada;border-left:1pt solid #000;border-right:1pt solid #000;border-top:1pt solid #000;padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:57.82pt;padding-right:57.82pt;text-align:center">Highest Annual Cost</div></td></tr><tr><td colspan="3" style="background-color:#dadada;border-left:1pt solid #000;padding:1.5pt 36.13pt;text-align:center;vertical-align:top">$1,371</td><td colspan="3" style="background-color:#dadada;border-left:1pt solid #000;border-right:1pt solid #000;padding:1.5pt 30.16pt;text-align:center;vertical-align:top">$3,442</td></tr><tr><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000;padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-right:-2.63pt">Assumes:</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:-2.63pt;text-indent:-18pt">•Investment of $100,000</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:-2.63pt;text-indent:-18pt">•5% annual appreciation</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:4.72pt;text-indent:-18pt">•Least expensive combination of Base Contract fee and portfolio fees and expenses</div><div style="margin-top:0.05pt;padding-left:35.97pt;padding-right:-2.63pt;text-indent:-18pt">•No sales charges</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:7.17pt;text-indent:-18pt">•No additional purchase payments, transfers or withdrawals</div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000;padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-right:-2.63pt">Assumes:</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:-2.63pt;text-indent:-18pt">•Investment of $100,000</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:-2.63pt;text-indent:-18pt">•5% annual appreciation</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:20.92pt;text-indent:-18pt">•Most expensive combination of Base Contract fee and portfolio fees and expenses</div><div style="margin-top:0.1pt;padding-left:35.97pt;padding-right:-2.63pt;text-indent:-18pt">•No sales charges</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:33.17pt;text-indent:-18pt">•No additional purchase payments, transfers or withdrawals</div></td></tr></table></div> 0.0100 0.0325 0.0050 0.0084 0 0 The Base Contract fee includes the fee for the IncomeFlex Target Benefit and the mortality and expense fee. The Optional Benefit is the Optional Spousal Benefit. <div style="padding-left:29.1pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:87.001%"><tr><td style="width:1.0%"></td><td style="width:51.345%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:46.455%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#dadada;border-left:1pt solid #000;border-top:1pt solid #000;padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:69.79pt;padding-right:69.79pt;text-align:center">Lowest Annual Cost</div></td><td colspan="3" style="background-color:#dadada;border-left:1pt solid #000;border-right:1pt solid #000;border-top:1pt solid #000;padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:57.82pt;padding-right:57.82pt;text-align:center">Highest Annual Cost</div></td></tr><tr><td colspan="3" style="background-color:#dadada;border-left:1pt solid #000;padding:1.5pt 36.13pt;text-align:center;vertical-align:top">$1,371</td><td colspan="3" style="background-color:#dadada;border-left:1pt solid #000;border-right:1pt solid #000;padding:1.5pt 30.16pt;text-align:center;vertical-align:top">$3,442</td></tr><tr><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000;padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-right:-2.63pt">Assumes:</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:-2.63pt;text-indent:-18pt">•Investment of $100,000</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:-2.63pt;text-indent:-18pt">•5% annual appreciation</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:4.72pt;text-indent:-18pt">•Least expensive combination of Base Contract fee and portfolio fees and expenses</div><div style="margin-top:0.05pt;padding-left:35.97pt;padding-right:-2.63pt;text-indent:-18pt">•No sales charges</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:7.17pt;text-indent:-18pt">•No additional purchase payments, transfers or withdrawals</div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000;padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-right:-2.63pt">Assumes:</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:-2.63pt;text-indent:-18pt">•Investment of $100,000</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:-2.63pt;text-indent:-18pt">•5% annual appreciation</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:20.92pt;text-indent:-18pt">•Most expensive combination of Base Contract fee and portfolio fees and expenses</div><div style="margin-top:0.1pt;padding-left:35.97pt;padding-right:-2.63pt;text-indent:-18pt">•No sales charges</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:33.17pt;text-indent:-18pt">•No additional purchase payments, transfers or withdrawals</div></td></tr></table></div> 1371 3442 <div style="padding-right:-2.63pt">Assumes:</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:-2.63pt;text-indent:-18pt">•Investment of $100,000</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:-2.63pt;text-indent:-18pt">•5% annual appreciation</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:4.72pt;text-indent:-18pt">•Least expensive combination of Base Contract fee and portfolio fees and expenses</div><div style="margin-top:0.05pt;padding-left:35.97pt;padding-right:-2.63pt;text-indent:-18pt">•No sales charges</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:7.17pt;text-indent:-18pt">•No additional purchase payments, transfers or withdrawals</div> <div style="padding-right:-2.63pt">Assumes:</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:-2.63pt;text-indent:-18pt">•Investment of $100,000</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:-2.63pt;text-indent:-18pt">•5% annual appreciation</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:20.92pt;text-indent:-18pt">•Most expensive combination of Base Contract fee and portfolio fees and expenses</div><div style="margin-top:0.1pt;padding-left:35.97pt;padding-right:-2.63pt;text-indent:-18pt">•No sales charges</div><div style="margin-top:0.5pt;padding-left:35.97pt;padding-right:33.17pt;text-indent:-18pt">•No additional purchase payments, transfers or withdrawals</div> <div style="padding-left:26.25pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.321%"><tr><td style="width:1.0%"></td><td style="width:63.684%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.823%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.193%"></td><td style="width:0.1%"></td></tr><tr><td colspan="9" style="background-color:#d9d9d9;border-left:1.5pt solid #000000;border-right:1.5pt solid #000000;border-top:1.5pt solid #000000;padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:110.77pt;padding-right:110.77pt;text-align:center">ANNUAL PORTFOLIO COMPANY EXPENSES</div></td></tr><tr><td colspan="3" style="border-top:1.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1.5pt solid #000000;padding:1.5pt 1pt;text-align:center;vertical-align:top">Minimum</td><td colspan="3" style="border-top:1.5pt solid #000000;padding:1.5pt 1pt;text-align:center;vertical-align:top">Maximum</td></tr><tr><td colspan="3" style="border-top:1.5pt solid #000000;padding:1.5pt 1pt 1.5pt 3.77pt;text-align:left;vertical-align:top">Annual Portfolio Company Expenses</td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1.5pt solid #000000;padding:1.5pt 1pt;text-align:center;vertical-align:top">0.50%</td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1.5pt solid #000000;padding:1.5pt 1pt;text-align:center;vertical-align:top">0.84%</td></tr><tr><td colspan="9" style="border-top:1.5pt solid #000000;padding:1.5pt 1pt 1.5pt 3.77pt;text-align:left;vertical-align:top">(expenses that are deducted from portfolio assets, including management fees, distribution and/or service (12b-1) fees, and other expenses)</td></tr></table></div> 0.0050 0.0084 (expenses that are deducted from portfolio assets, including management fees, distribution and/or service (12b-1) fees, and other expenses) <div style="padding-left:22.5pt;padding-right:15.15pt;text-align:justify">1. The manager has contractually agreed, through November 30, 2027, to limit Current Expenses after fee waivers and/or expense reimbursements to 0.40% of average daily net assets for Class R6 shares. This contractual waiver includes acquired fund fees and expenses, and excludes fund and any acquired fund interest, brokerage, taxes (such as income and foreign withholding taxes, stamp duty and deferred tax expenses), extraordinary expenses, and certain other fund expenses such as dividend and interest expense and broker charges on short sales. Expenses waived or reimbursed by the manager for the purpose of preventing the expenses from exceeding a stated expense ratio limit may be recouped by the manager within the same fiscal year in which such waiver and/or reimbursement is made, Any such recoupment is limited to the lesser of the amounts that would be recoupable under: (i) the expense limitation in effect at the time the waiver and/or reimbursement was made or (ii) the expense limitation in effect at the time of recoupment. This waiver may not be terminated prior to November 30, 2027 without the prior approval of the fund’s Board of Trustees.</div>