Form N-VP/A AMERICAN SEPARATE ACCOUN

We do not impose any transfer or withdrawal charges.

You may withdraw any portion of your Account Value (before the death of the Insured Person). A partial withdrawal must be in an amount of at least $500, may not reduce the Account Value to less than $100, and cannot exceed the Account Value minus any Policy Loans.

You may make partial withdrawals of your Account Balance (minus any Policy Loans) or surrender the Policy and receive the Surrender Proceeds due under the Policy. You may take any of these actions prior to the Maturity Date of the Policy when the Insured Person is still living.

Surrender Proceeds equal your Account Value minus any Policy Loans you have outstanding at the time of surrender and any due and unpaid charges. You may surrender your Policy and obtain the Surrender Proceeds at any time prior to the Maturity Date. To surrender your Policy, you must submit the Policy and a Written Request to our Processing Office, and the Insured Person must be alive on the surrender date. We will calculate the Surrender Proceeds as of the Valid Transaction Date of the surrender, and all insurance benefits, and supplemental benefits you have added, under your Policy will then cease.

Partial Withdrawals and
Surrender of Policy;
Transfers of Account
Balance

There are no charges for other transactions under the Policy, other than certain fees associated with Policy Loans, supplemental insurance benefits, and an Accelerated Benefit.

In addition to transaction charges, an investment in the Policy is subject to certain ongoing fees and expenses, including fees and expenses covering the cost of insurance under the Policy and the cost of optional benefits under the Policy, and such fees and expenses are set based on characteristics of the insured. Please refer to your Policy specifications page for rates applicable to your Policy.

Investors will also bear expenses associated with the Underlying Funds under the Policy, as shown in the table below.

ANNUAL FEE

    MIN.    

     MAX.     

Investment options (Underlying Fund fees and expenses)

Average Annual Total Returns as of
12/31/23

Life of 
Fund 

Equity Fund

Seeks investment results that correspond to the total return of common stocks publicly traded in the United States, as represented by the S&P 500^® Index

Fidelity VIP Index 500 (Initial Class)

Adviser: Fidelity

Management & Research Company LLC (FMR)

Subadvisers: FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited, and Fidelity Management & Research Japan Limited serve as sub-advisers