04/29/2024 | Press release | Distributed by Public on 04/29/2024 13:13
SPECIAL TERMS
|
3
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UPDATED INFORMATION ABOUT THE CONTRACT
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5
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IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT
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6
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APPENDIX A - FUNDS AVAILABLE UNDER THE CONTRACT
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10
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APPENDIX B - LIST OF DESIGNATED FUNDS AND OTHER INVESTMENT RESTRICTIONS
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17
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FEES AND EXPENSES
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Location In The
Prospectus
|
|
Charges for
Early
Withdrawals
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If you withdraw money from your Contract within 7 years following your
last Purchase Payment, you will be assessed a withdrawal charge of up to
8.0% (as a percentage of Purchase Payments withdrawn), declining to 0%
over that time period.
For example, if you make a withdrawal, you could pay a withdrawal charge
of up to $8,000 on a $100,000 investment.
|
Fee Table -
Transaction
Expenses
Withdrawals,
Withdrawal
Charges, and
Market Value
Adjustment
|
Transaction
Charges
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In addition to charges for early withdrawals, you may also be charged for
other transactions. There may be taxes on Purchase Payments and charges
for transfers between investment options. Currently, we do not charge for
transfers. However, we reserve the right to charge $15 per transfer.
|
Fee Table -
Transaction
Expenses
Transfer Privilege
Contract Charges
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Ongoing Fees
and Expenses
(annual charges)
|
The table below describes the fees and expenses that you may pay each
year, depending on the investment options you choose. Please refer to your
Contract specifications page for information about the specific fees you will
pay each year based on the investment options you have elected.
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Fee Table -
Transaction
Expenses
Contract Charges
Benefits Available
Under the
Contract
Appendix A -
Funds Available
Under the
Contract
|
Annual Fee
|
Minimum
|
Maximum
|
Base contract
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1.70%1,2
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1.70%1,2
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Investment Options
(Fund fees and expenses)
|
0.68%3
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2.28%3
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Optional Benefits Available for an
Additional Charge (for a single
optional benefit, if elected)
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0.20%1
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1.30%4
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1
As a percentage of average daily net Variable Account assets.
2
For Contracts purchased prior to March 5, 2007, if you were age 76 or older on the
Contract'sOpen Date, the rate is 1.90%. After you annuitize, the rate is 1.70%.
3
As a percentage of Fund net assets.
4
As a percentage of the highest Withdrawal Benefit Base (for the Income Riser Living
Benefit or highest Fee Base (for the Income ON Demand III Escalator Living Benefit)
during the Account Year.
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||
Because your Contract is customizable, the choices you make affect how
much you will pay. To help you understand the cost of owning your Contract,
the following table shows the lowest and highest cost you could pay each
year, based on current charges. This estimate assumes that you do not take
withdrawals from the Contract, which could add withdrawal charges that
substantially increase costs.
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FEES AND EXPENSES (CONT.)
|
Location In The
Prospectus
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||
Lowest Annual Cost:
$2,260
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Highest Annual Cost:
$4,762
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||
Assumes:
•Investment of $100,000
•5% annual appreciation
•Least expensive Fund fees and
expenses
•No optional benefits
•No sales charges
•No additional Purchase Payments,
transfers or withdrawals
|
Assumes:
•Investment of $100,000
•5% annual appreciation
•Most expensive combination of
optional benefits and Fund fees
and expenses
•No sales charges
•No additional Purchase
Payments, transfers or
withdrawals
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||
RISKS
|
Location In The
Prospectus
|
||
Risk of Loss
|
You can lose money by investing in the Contract.
|
Principal Risks of
Investing in the
Contract
Transfer Privilege
|
|
Not a
Short-Term
Investment
|
•The Contract is not a short-term investment and is not appropriate for an
investor who needs ready access to cash.
•The benefits of tax deferral, long-term income and living benefit
guarantees mean the Contract is generally more beneficial to investors
with a long-term horizon. You should not use the Contract as a short-term
investment.
•Withdrawal charges may apply to withdrawals taken within 7 years after a
Purchase Payment. If you take a withdrawal, a withdrawal charge may
reduce the withdrawal amount that you actually receive and the value of
your investment. Withdrawals may also reduce or terminate Contract
guarantees.
•Withdrawals may be subject to taxes, including a 10% federal tax penalty
if you take a withdrawal before age 59 1∕2.
|
Principal Risks of
Investing in the
Contract
Withdrawals,
Withdrawals
Charges, and
Market Value
Adjustment
Tax Provisions
|
|
Risks Associated
with Investment
Options
|
•An investment in the Contract is subject to the risk of poor investment
performance and can vary depending on the performance of the
investment options available under the Contract (e.g., the Funds).
•Each investment option (including any Fixed Account investment option)
will have its own unique risks.
•You should review the investment options before making an investment
decision.
|
Principal Risks of
Investing in the
Contract
The Variable
Account
The Fixed
Account Options -
The Guarantee
Periods
|
|
Insurance
Company Risks
|
An investment in the Contract is subject to the risks related to the Company.
Any obligations (including under any Fixed Account investment options),
guarantees, or benefits are subject to the claims-paying ability of the
Company. Additional information about the Company, including its
financial strength ratings, is available upon request by calling (877)
253-2323 or visiting https://www.delawarelife.com/contact-us/contact-page.
|
Principal Risks of
Investing in the
Contract
The Variable
Account
The Fixed
Account Options -
The Guarantee
Periods
|
RESTRICTIONS
|
Location In The
Prospectus
|
|
Investments
|
•Certain investment options may not be available under the Contract.
•You are allowed to make 12 transfers between investment options per
Account Year. We reserve the right to charge $15 per transfer. At least 6
days must elapse between transfers. At least 30 days must elapse between
transfers to and from Guarantee Periods. Your transfers between Fund
options are subject to policies designed to deter frequent transfers. These
transfer restrictions do not apply to transfers under the Contract's
automatic programs.
•We reserve the right to remove or substitute Funds as investment options.
|
The Variable
Account
The Fixed
Account Options -
The Guarantee
Periods
Transfer Privilege
Appendix A -
Funds Available
Under the
Contract
|
Optional
Benefits
|
•The Contract contains optional death and living benefits, available for an
additional charge, which must be elected on or before the Issue Date and
are no longer available to be added to your Contract.
•If you elected an optional living benefit, all of your Account Value must
be invested in Designated Funds at all times and, if using an asset
allocation model, must comply with minimum and maximum allocation
percentage ranges during the term of your optional living benefit. We
reserve the right to declare that a particular Fund no longer qualifies as a
Designated Fund.
•Failure to comply with the applicable investment restrictions will result in
the termination of your living benefit.
•The amount and frequency of Purchase Payments may be limited
depending on the optional living benefit you have elected, and Purchase
Payments made after the first Account Year may receive a lower benefit.
•Early Withdrawals and withdrawals that exceed specified limits may
affect the availability of your living benefit by reducing the benefit by an
amount greater than the amount withdrawn and could terminate your
living benefit.
|
Designated Funds
Build Your Own
Portfolio
Death Benefit
Appendix B - List
of Designated
Funds and Other
Investment
Restrictions
Appendix E -
Optional Death
Benefits and
Examples
|
TAXES
|
Location In The
Prospectus
|
|
Tax
Implications
|
•You should consult with a tax professional to determine the tax
implications of an investment in and payments received under the
Contract.
•There is no additional tax benefit if you purchase the Contract through a
tax-qualified plan or an individual retirement account (IRA).
•Earnings under your Contract are taxed at ordinary income rates when
withdrawn. You may be subject to a 10% federal tax penalty if you take a
withdrawal before age 59 1∕2.
|
Tax Provisions
|
CONFLICTS OF INTEREST
|
Location In The
Prospectus
|
|
Investment
Professional
Compensation
|
Your investment professional may receive compensation for selling the
Contract to you, including commissions, other cash compensation, and
non-cash compensation. We may share the revenue we earn on this Contract
with your investment professional's firm. As a result of these compensation
arrangements, your investment professional may have a financial incentive
to offer or recommend this Contract to you over another investment for
which the investment professional is not compensated or is compensated
less.
|
Distribution of
the Contract
|
Exchanges
|
Some investment professionals may have a financial incentive to offer you a
new contract in place of the one you already own. You should only exchange
a contract you already own if you determine, after comparing the features,
fees, and risks of both contracts, that it is better for you to purchase the new
contract rather than continue to own your existing contract.
|
Type
|
Fund
|
Adviser/Subadviser
|
Current
Expenses
|
Average Annual Total Returns
(as of 12/31/23)
|
||
1 Year
|
5 Year
|
10 Year
|
||||
Allocation - Moderate
|
AB Variable Products Series Fund, Inc.
Balanced Hedged Allocation Portfolio
Class B8,10
|
AllianceBernstein, L.P.
|
0.98%1
|
12.66%
|
5.92%
|
5.04%
|
Equity - US Mid Cap
|
AB Variable Products Series Fund, Inc.
Discovery Value Portfolio
Class B8
|
AllianceBernstein, L.P.
|
1.06%
|
16.86%
|
10.51%
|
7.29%
|
Allocation - Cautious
|
AB Variable Products Series Fund, Inc.
Dynamic Asset Allocation Portfolio
Class B8,10
|
AllianceBernstein, L.P.
|
1.10%1
|
13.48%
|
4.03%
|
3.22%
|
Equity - Global Large
Cap
|
AB Variable Products Series Fund, Inc.
International Value Portfolio
Class B6,8
|
AllianceBernstein, L.P.
|
1.15%
|
14.83%
|
5.55%
|
1.83%
|
Allocation - Moderate
|
BlackRock Variable Series Funds, Inc.
BlackRock Global Allocation V.I. Fund
Class III8
|
BlackRock Advisors, LLC /
BlackRock (Singapore)
Limited, BlackRock
International Limited
|
1.02%1
|
12.49%
|
7.39%
|
4.63%
|
Equity - US Large Cap
Growth
|
Columbia Funds Variable Series Trust II
Columbia Variable Portfolio - Large Cap
Growth Fund
Class 13,9
|
Columbia Management
Investment Advisers, LLC
|
0.72%
|
43.16%
|
18.29%
|
13.65%
|
Equity - US Large Cap
Growth
|
Columbia Funds Variable Series Trust II
Columbia Variable Portfolio - Large Cap
Growth Fund
Class 2
|
Columbia Management
Investment Advisers, LLC
|
0.97%
|
42.77%
|
17.98%
|
13.37%
|
Equity - Global Large
Cap
|
Columbia Funds Variable Series Trust II
Columbia Variable Portfolio - Overseas
Core Fund
Class 2
|
Columbia Management
Investment Advisers, LLC /
Threadneedle International
Limited
|
1.04%
|
15.32%
|
7.96%
|
3.37%
|
Equity - US Small Cap
|
Columbia Funds Variable Insurance Trust
Columbia Variable Portfolio - Small Cap
Value Fund
Class 24
|
Columbia Management
Investment Advisers, LLC
|
1.11%1
|
21.67%
|
13.39%
|
8.40%
|
Equity - US Large Cap
Growth
|
Columbia Funds Variable Series Trust II
CTIVP® - Principal Blue Chip Growth
Fund
Class 13,9
|
Columbia Management
Investment Advisers, LLC /
Principal Global Investors,
LLC
|
0.70%
|
39.54%
|
15.67%
|
13.48%
|
Equity - US Large Cap
Growth
|
Columbia Funds Variable Series Trust II
CTIVP® - Principal Blue Chip Growth
Fund
Class 2
|
Columbia Management
Investment Advisers, LLC /
Principal Global Investors,
LLC
|
0.95%
|
39.20%
|
15.38%
|
13.20%
|
Type
|
Fund
|
Adviser/Subadviser
|
Current
Expenses
|
Average Annual Total Returns
(as of 12/31/23)
|
||
1 Year
|
5 Year
|
10 Year
|
||||
Allocation - Moderate
|
Variable Insurance Products Fund III
Fidelity® Variable Insurance Products
Balanced Portfolio
Service Class 2
|
Fidelity Management &
Research Company, LLC /
FMR Investment Management
(UK) Limited, Fidelity
Management & Research
(Hong Kong) Limited,
Fidelity Management &
Research (Japan) Limited
|
0.69%
|
21.29%
|
12.16%
|
8.81%
|
Equity - US Large Cap
Growth
|
Variable Insurance Products Fund II
Fidelity® Variable Insurance Products
Contrafund® Portfolio
Service Class 28
|
Fidelity Management &
Research Company, LLC /
FMR Investment Management
(UK) Limited, Fidelity
Management & Research
(Hong Kong) Limited,
Fidelity Management &
Research (Japan) Limited
|
0.81%
|
33.12%
|
16.36%
|
11.33%
|
Allocation - Target
Date
|
Variable Insurance Products Fund V
Fidelity® Variable Insurance Products
Freedom 2010 Portfolio
Service Class 26
|
Fidelity Management &
Research Company, LLC
|
0.65%
|
9.18%
|
5.28%
|
4.30%
|
Allocation - Target
Date
|
Variable Insurance Products Fund V
Fidelity® Variable Insurance Products
Freedom 2015 Portfolio
Service Class 2
|
Fidelity Management &
Research Company, LLC
|
0.68%
|
10.64%
|
6.29%
|
4.93%
|
Allocation - Target
Date
|
Variable Insurance Products Fund V
Fidelity® Variable Insurance Products
Freedom 2020 Portfolio
Service Class 2
|
Fidelity Management &
Research Company, LLC
|
0.72%
|
12.22%
|
7.22%
|
5.48%
|
Equity - US Mid Cap
|
Variable Insurance Products Fund III
Fidelity® Variable Insurance Products
Mid Cap Portfolio
Service Class 2
|
Fidelity Management &
Research Company, LLC /
FMR Investment Management
(UK) Limited, Fidelity
Management & Research
(Hong Kong) Limited,
Fidelity Management &
Research (Japan) Limited
|
0.82%
|
14.80%
|
12.17%
|
7.85%
|
Equity - International
All Cap
|
First Eagle Variable Funds
First Eagle Overseas Variable Fund
|
First Eagle Investment
Management, LLC
|
1.21%1
|
10.08%
|
5.78%
|
3.68%
|
Allocation - Moderate
|
Franklin Templeton Variable Insurance
Products Trust
Franklin Allocation VIP Fund
Class 27,8
|
Franklin Advisers, Inc. /
Templeton Global Advisors
Limited, Franklin Templeton
Institutional, LLC,
Brandywine Global
Investment Management,
LLC, ClearBridge
Investments, LLC, Western
Asset Management Company,
LLC, Western Asset
Management Company
Limited
|
0.82%1
|
14.61%
|
7.57%
|
4.75%
|
Allocation - Cautious
|
Franklin Templeton Variable Insurance
Products Trust
Franklin Income VIP Fund
Class 2
|
Franklin Advisers, Inc.
|
0.71%1
|
8.62%
|
6.98%
|
5.01%
|
Allocation - Aggressive
|
Franklin Templeton Variable Insurance
Products Trust
Franklin Mutual Shares VIP Fund
Class 2
|
Franklin Mutual Advisers,
LLC
|
0.93%
|
13.46%
|
7.81%
|
5.43%
|
Type
|
Fund
|
Adviser/Subadviser
|
Current
Expenses
|
Average Annual Total Returns
(as of 12/31/23)
|
||
1 Year
|
5 Year
|
10 Year
|
||||
Equity - US Small Cap
|
Franklin Templeton Variable Insurance
Products Trust
Franklin Small Cap Value VIP Fund
Class 2
|
Franklin Mutual Advisers,
LLC
|
0.91%1
|
12.75%
|
11.06%
|
7.04%
|
Fixed Income - US
|
Franklin Templeton Variable Insurance
Products Trust
Franklin Strategic Income VIP Fund
Class 2
|
Franklin Advisers, Inc.
|
1.09%1
|
8.18%
|
1.96%
|
1.77%
|
Equity - US Mid Cap
|
AIM Variable Insurance Funds (Invesco
Variable Insurance Funds)
Invesco V.I. American Value Fund
Series II8
|
Invesco Advisers, Inc.
|
1.14%
|
15.29%
|
12.45%
|
6.98%
|
Equity - US Large Cap
Growth
|
AIM Variable Insurance Funds (Invesco
Variable Insurance Funds)
Invesco V.I. Capital Appreciation Fund
Series II
|
Invesco Advisers, Inc.
|
1.05%1
|
35.03%
|
16.10%
|
11.28%
|
Equity - US Large Cap
Value
|
AIM Variable Insurance Funds (Invesco
Variable Insurance Funds)
Invesco V.I. Comstock Fund
Series II
|
Invesco Advisers, Inc.
|
1.00%
|
12.10%
|
13.20%
|
8.65%
|
Allocation - Moderate
|
AIM Variable Insurance Funds (Invesco
Variable Insurance Funds)
Invesco V.I. Equity and Income Fund
Series II
|
Invesco Advisers, Inc.
|
0.82%
|
10.24%
|
9.64%
|
6.78%
|
Equity - Global Large
Cap
|
AIM Variable Insurance Funds (Invesco
Variable Insurance Funds)
Invesco V.I. EQV International Equity
Fund
Series II8
|
Invesco Advisers, Inc.
|
1.15%
|
17.86%
|
8.15%
|
4.07%
|
Equity - Global Large
Cap
|
AIM Variable Insurance Funds (Invesco
Variable Insurance Funds)
Invesco V.I. Global Fund
Series II
|
Invesco Advisers, Inc.
|
1.07%
|
34.45%
|
12.02%
|
8.21%
|
Equity - US Large Cap
Blend
|
AIM Variable Insurance Funds (Invesco
Variable Insurance Funds)
Invesco V.I. Main Street Fund®
Series II6
|
Invesco Advisers, Inc.
|
1.05%1
|
22.83%
|
13.28%
|
9.74%
|
Equity - US Small Cap
|
AIM Variable Insurance Funds (Invesco
Variable Insurance Funds)
Invesco V.I. Main Street Small Cap Fund®
Series II3
|
Invesco Advisers, Inc.
|
1.13%
|
17.82%
|
12.79%
|
8.66%
|
Equity - Global
Emerging Markets
|
Lazard Retirement Series, Inc.
Lazard Retirement Emerging Markets
Equity Portfolio
Service Shares8
|
Lazard Asset
Management LLC
|
1.42%
|
22.27%
|
5.01%
|
2.04%
|
Fixed Income - US
|
Lincoln Variable Insurance Products Trust
LVIP JPMorgan Core Bond Fund
Service Class8
|
Lincoln Financial Investments
Corporation / J.P. Morgan
Investment Management, Inc.
|
0.74%
|
5.66%
|
1.04%
|
1.56%
|
Equity - US Large Cap
Blend
|
Lincoln Variable Insurance Products Trust
LVIP JPMorgan U.S. Equity Fund
Service Class8
|
Lincoln Financial Investments
Corporation / J.P. Morgan
Investment Management, Inc.
|
0.94%
|
26.84%
|
16.86%
|
12.15%
|
Equity - US Large Cap
Value
|
Lord Abbett Series Fund, Inc.
Fundamental Equity Portfolio
Class VC
|
Lord, Abbett & Co. LLC
|
1.08%1
|
14.63%
|
9.70%
|
7.00%
|
Equity - US Mid Cap
|
Lord Abbett Series Fund, Inc.
Growth Opportunities Portfolio
Class VC
|
Lord, Abbett & Co. LLC
|
1.16%
|
10.67%
|
8.60%
|
7.12%
|
Type
|
Fund
|
Adviser/Subadviser
|
Current
Expenses
|
Average Annual Total Returns
(as of 12/31/23)
|
||
1 Year
|
5 Year
|
10 Year
|
||||
Equity - US Large Cap
Blend
|
MFS® Variable Insurance Trust II
MFS® Blended Research® Core Equity
Portfolio
Service Class3
|
Massachusetts Financial
Services Company
|
0.68%1
|
28.20%
|
15.53%
|
10.82%
|
Equity - US Small Cap
|
MFS® Variable Insurance Trust III
MFS® Blended Research® Small Cap
Equity Portfolio
Service Class
|
Massachusetts Financial
Services Company
|
0.76%1
|
18.67%
|
10.01%
|
8.00%
|
Allocation - Cautious
|
MFS® Variable Insurance Trust III
MFS® Conservative Allocation Portfolio
Service Class8
|
Massachusetts Financial
Services Company
|
0.93%
|
10.03%
|
5.30%
|
4.28%
|
Equity - US Large Cap
Blend
|
MFS® Variable Insurance Trust II
MFS® Core Equity Portfolio
Service Class
|
Massachusetts Financial
Services Company
|
1.06%1
|
22.79%
|
14.79%
|
11.33%
|
Fixed Income - US
|
MFS® Variable Insurance Trust II
MFS® Corporate Bond Portfolio
Service Class
|
Massachusetts Financial
Services Company
|
0.88%1
|
8.89%
|
2.43%
|
2.56%
|
Equity - Global
Emerging Markets
|
MFS® Variable Insurance Trust II
MFS® Emerging Markets Equity
Portfolio
Service Class
|
Massachusetts Financial
Services Company
|
1.48%1
|
10.71%
|
1.79%
|
1.31%
|
Equity - Global Large
Cap
|
MFS® Variable Insurance Trust II
MFS® Global Growth Portfolio
Service Class2
|
Massachusetts Financial
Services Company
|
1.13%1
|
20.69%
|
13.48%
|
9.79%
|
Equity - Real Estate
Sector
|
MFS® Variable Insurance Trust III
MFS® Global Real Estate Portfolio
Initial Class2
|
Massachusetts Financial
Services Company
|
0.90%1
|
11.46%
|
6.41%
|
6.55%
|
Equity - Real Estate
Sector
|
MFS® Variable Insurance Trust III
MFS® Global Real Estate Portfolio
Service Class
|
Massachusetts Financial
Services Company
|
1.15%1
|
11.20%
|
6.16%
|
6.28%
|
Equity - Global Large
Cap
|
MFS® Variable Insurance Trust II
MFS® Global Research Portfolio
Service Class3
|
Massachusetts Financial
Services Company
|
1.10%1
|
18.97%
|
12.05%
|
7.89%
|
Allocation - Cautious
|
MFS® Variable Insurance Trust II
MFS® Global Tactical Allocation Portfolio
Service Class8
|
Massachusetts Financial
Services Company
|
1.08%1
|
9.35%
|
4.69%
|
3.62%
|
Fixed Income - US
|
MFS® Variable Insurance Trust II
MFS® Government Securities Portfolio
Service Class
|
Massachusetts Financial
Services Company
|
0.83%1
|
3.86%
|
0.08%
|
0.81%
|
Allocation - Aggressive
|
MFS® Variable Insurance Trust III
MFS® Growth Allocation Portfolio
Service Class8
|
Massachusetts Financial
Services Company
|
1.05%
|
15.03%
|
9.64%
|
7.26%
|
Equity - US Large Cap
Growth
|
MFS® Variable Insurance Trust
MFS® Growth Series
Service Class
|
Massachusetts Financial
Services Company
|
0.98%1
|
35.51%
|
15.59%
|
12.69%
|
Fixed Income - US
|
MFS® Variable Insurance Trust II
MFS® High Yield Portfolio
Service Class
|
Massachusetts Financial
Services Company
|
0.97%1
|
12.48%
|
4.42%
|
3.58%
|
Fixed Income - US
|
MFS® Variable Insurance Trust II
MFS® Income Portfolio
Service Class2
|
Massachusetts Financial
Services Company
|
0.92%1
|
7.36%
|
2.37%
|
2.42%
|
Fixed Income - US
|
MFS® Variable Insurance Trust III
MFS® Inflation-Adjusted Bond Portfolio
Service Class8
|
Massachusetts Financial
Services Company
|
0.82%1
|
2.46%
|
-0.11%
|
0.27%
|
Equity - Global Large
Cap
|
MFS® Variable Insurance Trust II
MFS® International Growth Portfolio
Service Class
|
Massachusetts Financial
Services Company
|
1.13%1
|
14.39%
|
9.20%
|
6.09%
|
Type
|
Fund
|
Adviser/Subadviser
|
Current
Expenses
|
Average Annual Total Returns
(as of 12/31/23)
|
||
1 Year
|
5 Year
|
10 Year
|
||||
Equity - Global Large
Cap
|
MFS® Variable Insurance Trust II
MFS® International Intrinsic Value
Portfolio
Service Class
|
Massachusetts Financial
Services Company
|
1.14%1
|
17.37%
|
8.31%
|
6.66%
|
Fixed Income - US
|
MFS® Variable Insurance Trust III
MFS® Limited Maturity Portfolio
Initial Class5
|
Massachusetts Financial
Services Company
|
0.45%1
|
6.08%
|
2.25%
|
1.72%
|
Fixed Income - US
|
MFS® Variable Insurance Trust III
MFS® Limited Maturity Portfolio
Service Class8
|
Massachusetts Financial
Services Company
|
0.70%1
|
5.77%
|
2.01%
|
1.47%
|
Equity - US Large Cap
Growth
|
MFS® Variable Insurance Trust II
MFS® Massachusetts Investors Growth
Stock Portfolio
Service Class3
|
Massachusetts Financial
Services Company
|
0.98%1
|
23.70%
|
16.39%
|
12.44%
|
Equity - US Mid Cap
|
MFS® Variable Insurance Trust
MFS® Mid Cap Growth Series
Service Class8
|
Massachusetts Financial
Services Company
|
1.05%1
|
20.97%
|
13.05%
|
10.85%
|
Equity - US Mid Cap
|
MFS® Variable Insurance Trust III
MFS® Mid Cap Value Portfolio
Initial Class5
|
Massachusetts Financial
Services Company
|
0.79%1
|
12.73%
|
12.90%
|
8.73%
|
Equity - US Mid Cap
|
MFS® Variable Insurance Trust III
MFS® Mid Cap Value Portfolio
Service Class8
|
Massachusetts Financial
Services Company
|
1.04%1
|
12.39%
|
12.60%
|
8.46%
|
Allocation - Moderate
|
MFS® Variable Insurance Trust III
MFS® Moderate Allocation Portfolio
Service Class8
|
Massachusetts Financial
Services Company
|
0.97%
|
12.64%
|
7.68%
|
5.94%
|
Equity - US Small Cap
|
MFS® Variable Insurance Trust
MFS® New Discovery Series
Service Class8
|
Massachusetts Financial
Services Company
|
1.12%1
|
14.25%
|
10.81%
|
7.41%
|
Equity - US Small Cap
|
MFS® Variable Insurance Trust III
MFS® New Discovery Value Portfolio
Service Class8
|
Massachusetts Financial
Services Company
|
1.13%1
|
11.22%
|
12.84%
|
9.05%
|
Equity - Global Large
Cap
|
MFS® Variable Insurance Trust II
MFS® Research International Portfolio
Service Class
|
Massachusetts Financial
Services Company
|
1.14%1
|
12.83%
|
8.23%
|
3.89%
|
Equity - US Large Cap
Blend
|
MFS® Variable Insurance Trust
MFS® Research Series
Service Class
|
Massachusetts Financial
Services Company
|
1.04%1
|
22.12%
|
14.13%
|
10.55%
|
Fixed Income - US
|
MFS® Variable Insurance Trust
MFS® Total Return Bond Series
Service Class8
|
Massachusetts Financial
Services Company
|
0.78%1
|
7.13%
|
1.58%
|
1.96%
|
Allocation - Moderate
|
MFS® Variable Insurance Trust
MFS® Total Return Series
Service Class
|
Massachusetts Financial
Services Company
|
0.86%1
|
10.22%
|
8.27%
|
6.27%
|
US Money Market
|
MFS® Variable Insurance Trust II
MFS® U.S. Government Money Market
Portfolio
Service Class11
|
Massachusetts Financial
Services Company
|
0.44%1
|
4.58%
|
1.51%
|
0.91%
|
Equity - Utilities
Sector
|
MFS® Variable Insurance Trust
MFS® Utilities Series
Service Class
|
Massachusetts Financial
Services Company
|
1.04%1
|
-2.33%
|
8.05%
|
6.13%
|
Equity - US Large Cap
Value
|
MFS® Variable Insurance Trust
MFS® Value Series
Initial Class5
|
Massachusetts Financial
Services Company
|
0.69%1
|
7.93%
|
11.34%
|
8.52%
|
Equity - US Large Cap
Value
|
MFS® Variable Insurance Trust
MFS® Value Series
Service Class
|
Massachusetts Financial
Services Company
|
0.94%1
|
7.63%
|
11.07%
|
8.25%
|
Type
|
Fund
|
Adviser/Subadviser
|
Current
Expenses
|
Average Annual Total Returns
(as of 12/31/23)
|
||
1 Year
|
5 Year
|
10 Year
|
||||
Equity - US Mid Cap
|
Morgan Stanley Variable Insurance Fund,
Inc.
Discovery Portfolio
Class II8
|
Morgan Stanley Investment
Management, Inc.
|
1.05%1
|
44.13%
|
10.83%
|
8.38%
|
Equity - US Large Cap
Growth
|
Morgan Stanley Variable Insurance Fund,
Inc.
Growth Portfolio
Class II8
|
Morgan Stanley Investment
Management, Inc.
|
0.82%1
|
48.32%
|
10.95%
|
11.62%
|
Allocation - Moderate
|
PIMCO Variable Insurance Trust
PIMCO All Asset Portfolio
Administrative Class
|
Pacific Investment
Management Company LLC /
Research Affiliates, LLC
|
2.19%1
|
8.14%
|
6.02%
|
4.04%
|
Commodities Broad
Basket
|
PIMCO Variable Insurance Trust
PIMCO CommodityRealReturn®
Strategy Portfolio
Administrative Class
|
Pacific Investment
Management Company LLC
|
1.48%1
|
-7.85%
|
8.55%
|
-0.80%
|
Fixed Income -
Emerging Markets
|
PIMCO Variable Insurance Trust
PIMCO Emerging Markets Bond
Portfolio
Administrative Class
|
Pacific Investment
Management Company LLC
|
1.27%1
|
11.11%
|
2.25%
|
2.78%
|
Allocation - Moderate
|
PIMCO Variable Insurance Trust
PIMCO Global Managed Asset Allocation
Portfolio
Advisor Class8
|
Pacific Investment
Management Company LLC
|
1.34%1
|
12.85%
|
7.20%
|
5.14%
|
Fixed Income - US
|
PIMCO Variable Insurance Trust
PIMCO Real Return Portfolio
Administrative Class6
|
Pacific Investment
Management Company LLC
|
0.84%1
|
3.67%
|
3.16%
|
2.25%
|
Equity - Global Large
Cap
|
PIMCO Equity Series VIT
PIMCO StocksPLUS® Global Portfolio
Advisor Class8
|
Pacific Investment
Management Company LLC
|
0.91%1
|
22.84%
|
11.41%
|
6.42%
|
Fixed Income - US
|
PIMCO Variable Insurance Trust
PIMCO Total Return Portfolio
Administrative Class6
|
Pacific Investment
Management Company LLC
|
0.75%1
|
5.93%
|
1.08%
|
1.71%
|
Equity - US Large Cap
Value
|
Putnam Variable Trust
Putnam VT Large Cap Value Fund
Class IB8
|
Putnam Investment
Management, LLC / Putnam
Investments Limited
|
0.82%
|
15.67%
|
14.50%
|
10.26%
|
Equity - Global
Emerging Markets
|
Franklin Templeton Variable Insurance
Products Trust
Templeton Developing Markets VIP Fund
Class 25
|
Templeton Asset Management
Ltd. / Franklin Templeton
Investment Management
Limited
|
1.35%1
|
12.62%
|
4.22%
|
2.32%
|
Equity - Global Large
Cap
|
Franklin Templeton Variable Insurance
Products Trust
Templeton Foreign VIP Fund
Class 25
|
Templeton Investment
Counsel, LLC
|
1.07%1
|
20.76%
|
5.27%
|
1.28%
|
Fixed Income - Global
|
Franklin Templeton Variable Insurance
Products Trust
Templeton Global Bond VIP Fund
Class 48
|
Franklin Advisers, Inc.
|
0.85%1
|
2.82%
|
-2.23%
|
-0.76%
|
Equity - Global Large
Cap
|
Franklin Templeton Variable Insurance
Products Trust
Templeton Growth VIP Fund
Class 2
|
Templeton Global Advisors
Limited / Templeton Asset
Management Ltd
|
1.12%1
|
21.01%
|
6.47%
|
3.24%
|
Equity - US Small Cap
|
Wanger Advisors Trust
Wanger Acorn4
|
Columbia Wanger Asset
Management, LLC
|
0.95%1
|
21.74%
|
7.51%
|
7.20%
|
30% to 50%
|
40% to 60%
|
10% to 30%
|
0% to 20%
|
0% to 20%
|
0% to 10%
|
MFS® Total Return
Bond Series
|
AB Dynamic Asset
Allocation Portfolio
|
AB Balanced Hedged
Allocation Portfolio
|
Lord Abbett Series
Fund, Inc. -
Fundamental Equity
Portfolio
|
Franklin Small Cap
Value VIP Fund
|
Franklin Strategic
Income VIP Fund
|
MFS® Government
Securities Portfolio
|
PIMCO Global
Managed Asset
Allocation Portfolio
|
Fidelity® Balanced
Portfolio (of Variable
Insurance Products
Fund III)
|
MFS® Value Series
|
MFS® Blended
Research Small Cap
Equity Portfolio
|
PIMCO Emerging
Markets Bond Portfolio
|
MFS® Corporate Bond
Portfolio
|
MFS® Global Tactical
Allocation Portfolio
|
Franklin Income VIP
Fund
|
Invesco V.I. Comstock
Fund
|
Invesco V.I. Capital
Appreciation Fund
|
MFS® Global Real
Estate Portfolio
|
MFS® U.S. Government
Money Market Portfolio
|
MFS® Moderate
Allocation Portfolio
|
MFS® Total Return
Series
|
Franklin Mutual Shares
VIP Fund
|
Lord Abbett Series
Fund, Inc. - Growth
Opportunities Portfolio
|
PIMCO
CommodityRealReturn®
Strategy Portfolio
|
MFS® Limited Maturity
Portfolio
|
MFS® Conservative
Allocation Portfolio
|
Invesco V.I. Equity and
Income Fund
|
MFS® Utilities Series
|
MFS® International
Intrinsic Value Portfolio
|
MFS® Emerging
Markets Equity
Portfolio
|
MFS® Inflation-
Adjusted Bond
Portfolio
|
PIMCO All Asset
Portfolio
|
Fidelity® Freedom 2015
Portfolio (of Variable
Insurance Products
Fund IV)
|
MFS® Core Equity
Portfolio
|
MFS® Research
International Portfolio
|
MFS® High Yield
Portfolio
|
LVIP JPMorgan Core
Bond Portfolio
|
Fidelity® Freedom 2020
Portfolio (of Variable
Insurance Products
Fund IV)
|
MFS® Research Series
|
Templeton Growth VIP
Fund
|
Lazard Retirement
Emerging Markets
Equity Portfolio
|
|
MFS® Growth
Allocation Portfolio
|
MFS® Mid Cap Value
Portfolio
|
First Eagle Overseas
Variable Fund
|
Templeton Global Bond
VIP Fund
|
||
BlackRock Global
Allocation V.I. Fund
|
LVIP JPMorgan
U.S. Equity Portfolio
|
Invesco V.I. Global
Fund
|
|||
Putnam VT Large Cap
Value Fund
|
Columbia Variable
Portfolio - Overseas
Core Fund
|
||||
Fidelity® Mid Cap
Portfolio (of Variable
Insurance Products
Fund III)
|
|||||
MFS® International
Growth Portfolio
|
|||||
MFS® Growth Series
|
|||||
CTIVP® - Principal
Blue Chip Growth Fund
|
|||||
Columbia Variable
Portfolio - Large Cap
Growth Fund
|
|||||
MFS® Mid Cap Growth
Series
|
|||||
Morgan Stanley
Variable Insurance
Fund, Inc. Discovery
Portfolio
|
|||||
Invesco V.I. American
Value Fund
|
|||||
Fidelity® Contrafund®
Portfolio (of Variable
Insurance Products
Fund II)
|
30% to 50%
|
40% to 60%
|
10% to 30%
|
0% to 20%
|
0% to 20%
|
0% to 10%
|
MFS® New Discovery
Value Portfolio
|
|||||
MFS® New Discovery
Series
|
|||||
AB Discovery Value
Portfolio
|
|||||
Invesco V.I. EQV
International Equity
Fund
|
|||||
PIMCO StocksPLUS®
Global Portfolio
|
|||||
Morgan Stanley
Variable Insurance
Fund, Inc. Growth
Portfolio
|
30% to 80%
|
20% to 70%
|
0% to 50%
|
0% to 30%
|
0% to 10%
|
MFS® Total Return Bond
Series
|
AB Balanced Hedged
Allocation Portfolio
|
Lord Abbett Series Fund,
Inc. - Fundamental Equity
Portfolio
|
Franklin Small Cap Value
VIP Fund
|
Franklin Strategic Income
VIP Fund
|
MFS® Government
Securities Portfolio
|
Fidelity® Balanced Portfolio
(of Variable Insurance
Products Fund III)
|
MFS® Value Series
|
MFS® Blended Research
Small Cap Equity Portfolio
|
PIMCO Emerging Markets
Bond Portfolio
|
MFS® Corporate Bond
Portfolio
|
Franklin Income VIP Fund
|
Invesco V.I. Comstock Fund
|
Invesco V.I. Capital
Appreciation Fund
|
MFS® Global Real Estate
Portfolio
|
MFS® U.S. Government
Money Market Portfolio
|
MFS® Total Return Series
|
Franklin Mutual Shares VIP
Fund
|
Lord Abbett Series Fund,
Inc. - Growth Opportunities
Portfolio
|
PIMCO Commodity
RealReturn® Strategy
Portfolio
|
MFS® Limited Maturity
Portfolio
|
Invesco V.I. Equity and
Income Fund
|
MFS® Utilities Series
|
MFS® International Intrinsic
Value Portfolio
|
MFS® Emerging Markets
Equity Portfolio
|
MFS® Inflation-Adjusted
Bond Portfolio
|
Fidelity® Freedom 2015
Portfolio (of Variable
Insurance Products Fund IV)
|
MFS® Core Equity Portfolio
|
MFS® Research
International Portfolio
|
MFS® High Yield Portfolio
|
LVIP JPMorgan Core Bond
Portfolio
|
Fidelity® Freedom 2020
Portfolio (of Variable
Insurance Products Fund IV)
|
MFS® Research Series
|
Templeton Growth VIP Fund
|
Lazard Retirement Emerging
Markets Equity Portfolio
|
MFS® Moderate Allocation
Portfolio
|
MFS® Mid Cap Value
Portfolio
|
First Eagle Overseas Variable
Fund
|
PIMCO All Asset Portfolio
|
|
MFS® Conservative
Allocation Portfolio
|
LVIP JPMorgan U.S. Equity
Portfolio
|
Invesco V.I. Global Fund
|
Templeton Global Bond VIP
Fund
|
|
MFS® Growth Allocation
Portfolio
|
Putnam VT Large Cap Value
Fund
|
Columbia Variable Portfolio
- Overseas Core Fund
|
||
BlackRock Global
Allocation V.I. Fund
|
Fidelity® Mid Cap Portfolio
(of Variable Insurance
Products Fund III)
|
|||
PIMCO Global Managed
Asset Allocation Portfolio
|
MFS® International Growth
Portfolio
|
|||
MFS® Global Tactical
Allocation Portfolio
|
MFS® Growth Series
|
|||
AB Dynamic Asset
Allocation Portfolio
|
CTIVP® - Principal Blue
Chip Growth Fund
|
|||
Columbia Variable Portfolio
- Large Cap Growth Fund
|
||||
MFS® Mid Cap Growth
Series
|
||||
Morgan Stanley Variable
Insurance Fund, Inc.
Discovery Portfolio
|
||||
Invesco V.I. American Value
Fund
|
||||
Fidelity® Contrafund®
Portfolio (of Variable
Insurance Products Fund II)
|
||||
MFS® New Discovery Value
Portfolio
|
||||
MFS® New Discovery Series
|
||||
AB Discovery Value
Portfolio
|
||||
Invesco V.I. EQV
International Equity Fund
|
30% to 80%
|
20% to 70%
|
0% to 50%
|
0% to 30%
|
0% to 10%
|
PIMCO StocksPLUS®
Global Portfolio
|
||||
Morgan Stanley Variable
Insurance Fund, Inc. Growth
Portfolio
|
30% to 80%
|
0% to 70%
|
0% to 70%
|
0% to 30%
|
0% to 10%
|
MFS® Total Return Bond
Series
|
AB Balanced Hedged
Allocation Portfolio
|
Lord Abbett Series Fund,
Inc. - Fundamental Equity
Portfolio
|
Franklin Small Cap Value
VIP Fund
|
Franklin Strategic Income
VIP Fund
|
MFS® Government
Securities Portfolio
|
Fidelity® Balanced Portfolio
(of Variable Insurance
Products Fund III)
|
MFS® Value Series
|
MFS® Blended Research
Small Cap Equity Portfolio
|
PIMCO Emerging Markets
Bond Portfolio
|
MFS® Corporate Bond
Portfolio
|
Franklin Income VIP Fund
|
Invesco V.I. Comstock Fund
|
Invesco V.I. Capital
Appreciation Fund
|
MFS® Global Real Estate
Portfolio
|
MFS® U.S. Government
Money Market Portfolio
|
MFS® Total Return Series
|
Franklin Mutual Shares VIP
Fund
|
Lord Abbett Series Fund,
Inc. - Growth Opportunities
Portfolio
|
PIMCO Commodity
RealReturn® Strategy
Portfolio
|
MFS® Limited Maturity
Portfolio
|
Invesco V.I. Equity and
Income Fund
|
MFS® Utilities Series
|
MFS® International Intrinsic
Value Portfolio
|
MFS® Emerging Markets
Equity Portfolio
|
MFS® Inflation-Adjusted
Bond Portfolio
|
Fidelity® Freedom 2015
Portfolio (of Variable
Insurance Products Fund IV)
|
MFS® Core Equity Portfolio
|
MFS® Research
International Portfolio
|
MFS® High Yield Portfolio
|
LVIP JPMorgan Core Bond
Portfolio
|
Fidelity® Freedom 2020
Portfolio (of Variable
Insurance Products Fund IV)
|
MFS® Research Series
|
Templeton Growth VIP Fund
|
Lazard Retirement Emerging
Markets Equity Portfolio
|
MFS® Moderate Allocation
Portfolio
|
MFS® Mid Cap Value
Portfolio
|
First Eagle Overseas Variable
Fund
|
PIMCO All Asset Portfolio
|
|
MFS® Conservative
Allocation Portfolio
|
LVIP JPMorgan U.S. Equity
Portfolio
|
Invesco V.I. Global Fund
|
Templeton Global Bond VIP
Fund
|
|
MFS® Growth Allocation
Portfolio
|
Putnam VT Large Cap Value
Fund
|
Columbia Variable Portfolio
- Overseas Core Fund
|
||
BlackRock Global
Allocation V.I. Fund
|
Fidelity® Mid Cap Portfolio
(of Variable Insurance
Products Fund III)
|
|||
PIMCO Global Managed
Asset Allocation Portfolio
|
MFS® International Growth
Portfolio
|
|||
MFS® Global Tactical
Allocation Portfolio
|
MFS® Growth Series
|
|||
AB Dynamic Asset
Allocation Portfolio
|
CTIVP® - Principal Blue
Chip Growth Fund
|
|||
Columbia Variable Portfolio
- Large Cap Growth Fund
|
||||
MFS® Mid Cap Growth
Series
|
||||
Morgan Stanley Variable
Insurance Fund, Inc.
Discovery Portfolio
|
||||
Invesco V.I. American Value
Fund
|
||||
Fidelity® Contrafund®
Portfolio (of Variable
Insurance Products Fund II)
|
||||
MFS® New Discovery Value
Portfolio
|
||||
MFS® New Discovery Series
|
||||
AB Discovery Value
Portfolio
|
||||
Invesco V.I. EQV
International Equity Fund
|
30% to 80%
|
0% to 70%
|
0% to 70%
|
0% to 30%
|
0% to 10%
|
PIMCO StocksPLUS®
Global Portfolio
|
||||
Morgan Stanley Variable
Insurance Fund, Inc. Growth
Portfolio
|
25% to 80%
|
0% to 75%
|
0% to 75%
|
0% to 30%
|
0% to 10%
|
PIMCO Total Return
Portfolio6
|
AB Balanced Hedged
Allocation Portfolio7
|
Lord Abbett Series Fund,
Inc. - Fundamental Equity
Portfolio
|
Franklin Small Cap Value
VIP Fund
|
Franklin Strategic Income
VIP Fund
|
MFS® Total Return Bond
Series7
|
Fidelity® Balanced Portfolio
(of Variable Insurance
Products Fund III)
|
MFS® Value Series
|
MFS® Blended Research
Small Cap Equity Portfolio
|
MFS® High Yield Portfolio7
|
MFS® Government
Securities Portfolio
|
Franklin Income VIP Fund
|
Invesco V.I. Comstock Fund
|
Invesco V.I. Capital
Appreciation Fund
|
PIMCO Emerging Markets
Bond Portfolio
|
MFS® Corporate Bond
Portfolio
|
Franklin Allocation VIP
Fund7
|
Franklin Mutual Shares VIP
Fund
|
Lord Abbett Series Fund,
Inc. - Growth Opportunities
Portfolio
|
MFS® Global Real Estate
Portfolio
|
PIMCO Real Return
Portfolio6
|
MFS® Total Return Series
|
MFS® Utilities Series
|
Invesco V.I. Main Street
Small Cap Fund®2
|
PIMCO Commodity
RealReturn® Strategy
Portfolio
|
MFS® U.S. Government
Money Market Portfolio
|
Invesco V.I. Equity and
Income Fund
|
MFS® Blended Research®
Core Equity Portfolio2
|
MFS® New Discovery Series
|
Templeton Developing
Markets VIP Fund5
|
MFS® Limited Maturity
Portfolio7
|
Fidelity® Freedom 2010
Portfolio (of Variable
Insurance Products Fund
IV)6
|
MFS® Global Research
Portfolio2
|
MFS® Mass Investors
Growth Stock Portfolio2
|
MFS® Emerging Markets
Equity Portfolio
|
MFS® Inflation-Adjusted
Bond Portfolio7
|
Fidelity® Freedom 2015
Portfolio (of Variable
Insurance Products Fund IV)
|
MFS® Core Equity Portfolio
|
MFS® International Intrinsic
Value Portfolio
|
MFS® Income Portfolio1
|
LVIP JPMorgan Core Bond
Portfolio7
|
Fidelity® Freedom 2020
Portfolio (of Variable
Insurance Products Fund IV)
|
MFS® Research Series
|
Templeton Foreign VIP
Fund5
|
Lazard Retirement Emerging
Markets Equity Portfolio7
|
MFS® Moderate Allocation
Portfolio7
|
Invesco V.I. Main St.Fund®6
|
MFS® Research
International Portfolio
|
PIMCO All Asset Portfolio
|
|
MFS® Conservative
Allocation Portfolio7
|
MFS® Mid Cap Value
Portfolio7
|
Templeton Growth VIP Fund
|
Templeton Global Bond VIP
Fund7
|
|
MFS® Growth Allocation
Portfolio7
|
LVIP JPMorgan U.S. Equity
Portfolio7
|
First Eagle Overseas Variable
Fund
|
||
BlackRock Global
Allocation V.I. Fund7
|
Putnam VT Large Cap Value
Fund7
|
Invesco V.I. Global Fund
|
||
PIMCO Global Managed
Asset Allocation Portfolio7
|
Columbia Variable Portfolio
- Overseas Core Fund
|
|||
MFS® Global Tactical
Allocation Portfolio7
|
Fidelity® Mid Cap Portfolio
(of Variable Insurance
Products Fund III)
|
|||
AB Dynamic Asset
Allocation Portfolio7
|
Wanger Acorn3
|
|||
Columbia Variable Portfolio
- Small Cap Value Fund3
|
||||
MFS® International Growth
Portfolio
|
||||
MFS® Growth Series
|
||||
CTIVP® - Principal Blue
Chip Growth Fund4
|
25% to 80%
|
0% to 75%
|
0% to 75%
|
0% to 30%
|
0% to 10%
|
Columbia Variable Portfolio
- Large Cap Growth Fund4
|
||||
MFS® Global Growth
Portfolio1
|
||||
MFS® Mid Cap Growth
Series7
|
||||
Morgan Stanley Variable
Insurance Fund, Inc.
Discovery
|
||||
Invesco V.I. American Value
Fund7
|
||||
AB International Value
Portfolio6, 7
|
||||
Fidelity® Contrafund®
Portfolio (of Variable
Insurance Products Fund II)7
|
||||
MFS® New Discovery Value
Portfolio7
|
||||
AB Discovery Value
Portfolio7
|
||||
Invesco V.I. EQV
International Equity Fund7
|
||||
PIMCO StocksPLUS®
Global Portfolio7
|
||||
Morgan Stanley Variable
Insurance Fund, Inc. Growth
Portfolio7
|