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Investment Options:

A comprehensive lineup of investment options from some of the most recognized money managers in the industry.

Optional Automatic Asset Rebalancing:

Maintains the asset allocation balance selected by automatically transferring money between investment options on a regular basis without generating a taxable event, so the original allocation objectives are maintained. Restrictions apply. Please see prospectus for details.

Dollar Cost Averaging:

Allows for gradual investment over time, systematically buying more units when prices are low and fewer units when prices are high. This can potentially lower the average cost of variable units.

Dollar cost averaging requires regular investing regardless of fluctuating prices and does not guarantee profits or prevent losses in a declining market. Individuals should consider their financial ability to continue transfers through periods of both high- and low-price levels. Amounts allocated to the subaccounts of the separate account are subject to investment risk, including possible loss of principal. Restrictions apply. Please see prospectus for details.

Transfers:

During the accumulation phase, unlimited transfers between subaccounts are allowed each year without a fee. Restrictions apply. Please see prospectus for details.

Annuitization:

The opportunity to receive guaranteed lifetime payments through a variety of payment schedules and options, should the policy be annuitized.

Policy Value:

Our lower cost death benefit option will pay beneficiaries the policy value at the time that we receive due proof of death.

Return of Premium:

Our most popular guaranteed death benefit option will pay beneficiaries the total of all premiums paid, less any adjusted partial withdrawals.

Issue Age:
Policy Value Death Benefit: 0-95
Return of Premium Death Benefit: 0-75

Minimum Initial Premium:
$1,000 (Qualified)
$5,000 (Nonqualified)

Minimum Subsequent Premiums:
$50

Maximum Subsequent Premiums (per policy year after 1st policy anniversary):
$25,000 (Nonqualified), Lesser of $60,000 or IRS contribution limit (Qualified)

Maximum Cumulative Premiums:
Policy Value Death Benefit: $5 million (issue ages 0-95) without prior approval
Return of Premium Death Benefit: $1 million (issue ages 0-75) without prior approval

Annual Mortality and Expense Fee and Administrative Charge (M&E&A):
0.27% (Policy Value Death Benefit)
0.47% (Return of Premium Death Benefit)

Annual Service Charge: $25 (Lesser of current service charge or 2% of policy value)
The service charge will be waived if the Policy Value or Premiums less Withdrawals is equal to or greater than $25,000.

Withdrawal Amount Available Without Surrender Charge:
Unlimited

No Surrender Charges

Investment Option Management Fee:
Please see prospectus for details.