1 year		3 years		5 years		10 years
$17,220		$33,558		$50,441		$89,708

You can lose money by investing in the Contract, including loss of principal. The Contracts are not deposits or obligations of, or guaranteed or endorsed by, any bank, and are not federally insured by the Federal Deposit Insurance Corporation, the Federal Reserve Board, or any other agency.

The Contract is not designed for short-term investing or for an investor who needs ready access to cash. The Contract is designed for an investor with a longer time horizon for investment. The benefits of tax deferral, long-term income, and living benefit protections mean that this Contract is more beneficial to investors with a long-time horizon.

Amounts that you invest in the Fund options (, the Subaccounts or Variable Accounts) are subject to the risk of poor investment performance. You assume all of the investment risk. Generally, if the Subaccounts you select make money, your Contract Value goes up, and if they lose money, your Contract Value goes down. Each Subaccount’s performance depends on the performance of its underlying Fund. Each Fund has its own investment risks, and you are exposed to a Fund’s investment risks when you invest in the corresponding Subaccount. The Company does not guarantee the performance of the Subaccounts or the underlying Funds.

You should carefully consider the risks associated with withdrawals under the Contract (including a full surrender). Withdrawals may be subject to significant Withdrawal Charges. Withdrawals are generally subject to ordinary income taxation on the amount of any investment gain, and if you take a withdrawal prior to age 59⁄, you may also be subject to a 10% additional tax. A full surrender will terminate the Contract and all of its benefits. You should consider the impact that a partial withdrawal may have on the standard and optional benefits under your Contract. Partial withdrawals will reduce the value of the death benefit. In addition, a partial withdrawal may reduce the value of an optional living or death benefit that you have elected by an amount greater than the amount withdrawn and could result in termination of the benefit. Amounts withdrawn from the Fixed Account prior to the end of a multi-year Guarantee Period may be subject to a negative Market Value Adjustment that reduces the value of your investment. If you take systematic withdrawals under your Contract, you may be repeatedly exposed to the risks associated with partial withdrawals. If you have amounts invested in the Fixed Account and need ready access to cash, we may defer payment of any amounts withdrawn from the Fixed Account for up to six months. You cannot make withdrawals from the Contract after it is annuitized.

If you elect certain optional living benefits, you will be subject to investment restrictions. If you elect or have elected any of the Income Control GLWB, Flex Income Control GLWB and the GLWB/GMPB Combo with the Income Control GLWB riders, your optional living benefit may be terminated if you fail to satisfy the applicable investment restrictions. The Funds to which you may be limited are referred to as “Designated Investment Options.” We have selected cautious and moderate asset allocation funds to be Designated Investment Options. Asset allocation funds employ investment strategies that are intended to balance investments among equities, bonds and cash equivalents to reduce the downside exposure of the funds during market downturns. We impose investment restrictions because they reduce the risk of investment losses during down market periods that may require us to use our own assets to make guaranteed payments under the Contract’s optional living benefits. At the same time, the balanced investment strategy of the Designated Investment Options during an upside market period could limit market gains in your Contract. The investment objective and policies of the Designated Investment Options may conflict with your investment objectives by reducing the potential growth of your Contract Value and, in turn, the value of any guaranteed benefit that is tied to investment performance. You should consult with your financial professional to determine whether you have a need for these optional benefits and whether the Designated Investment Options are appropriate investments for you.

There is no guarantee that you will always be permitted to make Purchase Payments. We limit the amount of Purchase Payments that you make to the Contract and other contracts issued by the Company with the same or related Owners and Annuitants on a nondiscriminatory basis. We will not accept, without our prior approval, a Purchase Payment that would cause the total Purchase Payments to exceed $5 million. We will not accept a Purchase Payment after any Owner or Annuitant attains age 93. If you elect an optional benefit rider, Purchase Payments will not be accepted if the total Purchase Payments exceed $3 million, and the optional benefit rider may impose additional restrictions on Purchase Payments. Our restrictions related to Purchase Payments may affect the value of your Contract. If you are not permitted to make additional Purchase Payments, you will lose the ability to increase the value of your Contract and its benefits through Purchase Payments.

If you elect an optional death benefit, a transfer of Contract Value to the Fixed Account may significantly reduce the benefit, including by an amount greater than the amount transferred. If you have amounts invested in the Fixed Account, a transfer from the Fixed Account prior to the end of a multi-year Guarantee Period may be subject to a negative Market Value Adjustment that reduces the value of your investment. Any transfer restrictions under the Contract that are applicable to you may limit your ability to readily change how your Contract Value is invested in response to changing market conditions or changes in your personal circumstances.

The optional benefits under the Contract were designed for different financial goals and to protect against different financial risks. There is a risk that you may not choose the benefit or benefits (if any) that are best suited for you based on your present or future needs and circumstances, and the benefits that are more suited for you may not be available now or in the future. In addition, if you elected an optional benefit and do not use it, or if the contingencies upon which the benefit depend never occur, you will have paid for a benefit that did not provide a financial return. There is also a risk that any financial return of an optional benefit, if any, will be more than offset by the amount you paid for the benefit.

We guarantee that we will credit interest to amounts you allocate to the Fixed Account. Subject to any minimum guaranteed interest rates, we determine interest rates in our sole discretion. We may periodically offer special interest rates for new Purchase Payments, at our discretion. You assume the risk that the interest rate will not exceed the minimum guaranteed interest rate and that we may not offer special interest rates when you purchase the Contract for new Purchase Payments.

Our guarantees and obligations under theContract, including any death benefit, optional living benefit, amounts held in the Fixed Account, interest credited on amounts held in the Fixed Account, and income payments are subject to our financial strength and long-term claims-paying ability. If we experience financial distress, we may not be able to meet our obligations to you.