Form 497VPU FS VARIABLE SEPARATE

Article

June 1, 2026 4:00 PM EDT

E-mail

issued by

The United States Life Insurance Company in the City of New York

In the state of New York

In connection with

FS VARIABLE SEPARATE ACCOUNT

UPDATING SUMMARY PROSPECTUS FOR EXISTING INVESTORS
May 1, 2026

This updating summary prospectus provides updated information about Polaris Platinum III, a flexible premium deferred variable annuity.

The prospectus for the contract contains more information about the contract, such as the contract’s features, benefits, and risks. You can find the current prospectus and other information about the contract online at www.corebridgefinancial.com/ProductProspectuses. You can also obtain this information at no cost by calling (855) 421-2692 or by writing to our Annuity Service Center (P.O. Box 15570, Amarillo, Texas 79105-5570).

* * * * * * * * * * * *

Additional information about certain investment products, including variable annuities, has been prepared by the SEC’s staff and is available at www.Investor.gov.

Special Terms Used in this Summary Prospectus

Accumulation Phase - The period during which you invest money in your contract.

DCA Fixed Account - A fixed interest investment option under which amounts earn interest before they are systematically transferred from a DCA Fixed Account to one or more investment options over a specified period of time.

DCA Program - An automatic transfer program under which a specified dollar amount or percentage of contract value is systematically transferred from an investment option to one or more eligible investment options on a periodic basis.

Early Access Feature - An optional feature that reduces the length of the withdrawal charge period associated with each Purchase Payment under the contract. (This optional feature is no longer available).

Fixed Account - An account, if available, in which you may invest money and earn a fixed rate of return. Fixed Accounts are obligations of the General Account.

Income Base - For an optional Living Benefit, a value used to determine the fee and the maximum amount that may be withdrawn each Benefit Year after the Activation Date without reducing the Income Base.

Living Benefit - An optional benefit designed to help create a guaranteed income stream for life and provide some protection against certain financial risks. (Living Benefits may only be elected at the time you purchase the contract).

Purchase Payments - The money you give us to buy and invest in the contract.

Secure Value Account - A Fixed Account, available only with election of the living benefit, to which we allocate a percentage of every Purchase Payment and Continuation Contribution.

Underlying Funds - The underlying investment portfolios of the Trusts in which a Variable Portfolio invests.

Variable Portfolio(s) - A variable investment option available under the contract. Each Variable Portfolio, which is a subaccount of the Separate Account, invests in shares of one of the Underlying Funds. Each Underlying Fund has its own investment objective.

Updated Information About Your Contract

The following is a summary of certain contract features that have changed since the Updating Summary Prospectus dated April 28, 2025. This may not reflect all of the changes that have occurred since you purchased your contract. Please see the prospectus available on www.corebridgefinancial.com/ProductProspectuses for more information.

Underlying Fund Changes effective on July 28, 2025

•

The SA Wellington Government and Quality Bond Portfolio was renamed SA Goldman Sachs Government and Quality Bond Portfolio, and Goldman Sachs Asset Management L.P. became its subadvisor.

•

The SA JPMorgan Global Equities Portfolio was renamed SA Fidelity Institutional AM Global Equities Portfolio and FIAM LLC became its subadvisor.

Underlying Fund Changes effective on May 1, 2026

•

The SA Morgan Stanley International Equities Portfolio was renamed SA BlackRock Advantage International Portfolio and BlackRock Investment Management, LLC became its subadvisor.

Important Information You Should Consider About the Contract

	FEES AND EXPENSES			Location in Prospectus
Are There Charges or Adjustments for Early Withdrawals?	Yes. •For Contracts without Early Access Feature. If you withdraw money from your contract within 7 years following each Purchase Payment, you may be assessed a withdrawal charge of up to 8% (for contracts issued on or after July 18, 2011) or 7% (for contracts issued prior to July 18, 2011), as a percentage of each Purchase Payment withdrawn. •For Contracts with Early Access Feature. If you withdraw money from your contract within 4 years following your purchase of the contract or your last Purchase Payment, you may be assessed a withdrawal charge of up to 8%, as a percentage of each Purchase Payment withdrawn. For example, if you were to withdraw $100,000 during a withdrawal charge period, you could be assessed a withdrawal charge of up to $8,000 if your maximum withdrawal charge is 8% or $7,000 if your maximum withdrawal charge is 7%. This loss will be greater if there are federal and state income taxes or tax-penalties. Withdrawal Charges do not apply to certain withdrawals including the withdrawal up to the annual penalty-free withdrawal amount which equals 10% of your Purchase Payments not yet withdrawn.			Expenses – Withdrawal Charges
Are There Transaction Charges?	Yes, in addition to withdrawal charges, you may be charged for other transactions. You will be charged for each transfer after 15 transfers in any contract year during the Accumulation Phase. There may also be taxes on Purchase Payments.			Expenses
Are There Ongoing Fees and Expenses?	Yes. The table below describes the current fees and expenses of the contract that you may pay each year, depending on the investment options and optional benefits you choose. Please refer to your contract data page for information about the specific fees you will pay each year based on the options you have elected.			Expenses
	Annual Fee	Minimum	Maximum
	Base Contract1	1.16%	1.31%
	Investment Options2 (Underlying Fund fees and expenses)	0.46%	1.85%
	Optional Benefits Available for an Additional Charge (For a single optional benefit, if elected)	0.15%3	1.45%4
	1 As a percentage of the value in the Separate Account (includes a percentage attributable to the contract maintenance fee). 2 As a percentage of Underlying Fund net assets. 3 As a percentage of the average daily ending net asset value allocated to the Variable Portfolios. 4As a percentage of the Income Base used to calculate the guaranteed benefit. This represents the maximum rate for the most expensive optional benefit. 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.
	Lowest Annual Cost: $1,454	Highest Annual Cost: $4,460
	Assumes: •Investment of $100,000 •5% annual appreciation •Least expensive Underlying Fund fees and expenses •No optional benefits •No withdrawal charges •No additional Purchase Payments, transfers, or withdrawals	Assumes: •Investment of $100,000 •5% annual appreciation •Most expensive combination of optional benefits and Underlying Fund fees and expenses •No withdrawal charges •No additional Purchase Payments, transfers, or withdrawals

	RISKS	Location in Prospectus
Is There a Risk of Loss from Poor Performance?	Yes. You can lose money by investing in this contract, including possible loss of your principal investment.	Principal Risks of Investing in the Contract
Is this a Short-Term Investment?	No. •This contract is not designed for short-term investing and may not be appropriate for an investor who needs ready access to cash. As such, you should not use the contract as a short-term investment or savings vehicle. •Charges may apply to withdrawals. Withdrawal charges could significantly reduce the value of your investment or the amount that you receive upon taking a withdrawal. Withdrawals may also reduce or terminate contract guarantees and may also be subject to state and federal income taxes and tax-penalties. •The benefits of tax deferral, long-term income, and optional Living Benefit guarantees mean that this contract is generally more beneficial to investors with a long investment time horizon.
What are the Risks Associated with the Investment Options?	•An investment in this 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. •Each investment option (including each Fixed Account option) has its own unique risks. •You should review the available investment options before making an investment decision.
What are the Risks Related to the Insurance Company?	An investment in the contract is subject to the risks related to us, The United States Life Insurance Company in the City of New York. Any obligations (including under a Fixed Account option), guarantees, and benefits of the contract are subject to our claims-paying ability An Owner should look solely to our financial strength for our claims-paying ability. More information about the Company, including our financial strength ratings, may be obtained at https://investors.corebridgefinancial.com/financials/Ratings/default.aspx.

	RESTRICTIONS	Location in Prospectus
Are There Limits on the Investment Options?	Yes. Transfer Restrictions. •During the Accumulation Phase, you must transfer at least $100 per transfer between any of the Variable Portfolios and/or any available Fixed Accounts. If less than $100 remains in any Variable Portfolio or Fixed Account after a transfer, that amount must be transferred as well. Funds already in your contract cannot be transferred to the DCA Fixed Account, if available. A transfer request will be priced as of the day it is received before Market Close. If the transfer request is received after Market Close, the request will be priced as of the next NYSE business day. •During the Income Phase, only one transfer per month is permitted between the Variable Portfolios. No other transfers are allowed during the Income Phase. Transfers will be effected for the last NYSE business day of the month in which we receive your request for the transfer. You may not use the DCA Program or the Automatic Asset Rebalancing Program during the Income Phase. •Your transfers between the Variable Portfolios are subject to policies designed to deter frequent and short-term trading. Investment Restrictions. If you elected an optional Living Benefit, not all investment options may be available and you must invest in accordance with the applicable investment requirements. You may be required to invest a certain percentage of your contract value in a certain investment option, including the Secure Value Account which is only available with certain option Living Benefits. We reserve the right to modify the investment requirements in the future. If you did not elect any optional benefit, or if the only optional benefit you elected was a death benefit, your contract is not subject to investment requirements. Availability of Variable Portfolios. We may, subject to any applicable law, make certain changes to the Variable Portfolios offered in your contract. We may offer new Variable Portfolios or stop offering existing Variable Portfolios. New Variable Portfolios may be made available to existing contract Owners, and Variable Portfolios may be closed to new or subsequent Purchase Payments, transfers or allocations. In addition, we may also liquidate the shares of any Variable Portfolio, substitute the shares of one Underlying Fund held by a Variable Portfolio for another and/or merge Variable Portfolios or cooperate in a merger of Underlying Funds. To the extent required by the Investment Company Act of 1940, as amended, we may be required to obtain SEC approval or your approval.	Investment Options
Are There Any Restrictions on Contract Benefits?	Yes. •There are restrictions and limitations relating to the benefits offered under the contract (e.g., death benefits, Living Benefits, DCA Fixed Account, DCA Program, Automatic Asset Rebalancing Program, Systematic Withdrawal Program, Automatic Payment Plan). •We reserve the right to modify or terminate the DCA Program, Automatic Asset Rebalancing Program, Systematic Withdrawal Program, and Automatic Payment Plan. •Withdrawals that exceed limits specified by the terms of a benefit may reduce the value of the benefit by an amount greater than the value withdrawn and could terminate the benefit.	Optional Living Benefits Death Benefits
	TAXES
What are the Contract’s Tax Implications?	•You should consult with a tax professional to determine the tax implications of an investment in and payments received under the contract. •If you purchase the contract through a tax-qualified plan or individual retirement account (IRA), there is no additional tax benefit under the contract. •Earnings under your contract are taxed at ordinary income tax rates when withdrawn. You may have to pay a tax penalty if you take a withdrawal before age 59½.	Taxes

	CONFLICTS OF INTEREST	Location in Prospectus
How Are Investment Professionals Compensated?	Your financial representative may receive compensation for selling this contract to you in the form of commissions, additional cash compensation, and/or non-cash compensation. We may share the revenue we earn on this contract with your financial representative’s firm. Revenue sharing arrangements and commissions may provide selling firms and/or their registered representatives with an incentive to favor sales of our contracts over other variable annuity contracts (or other investments) with respect to which a selling firm does not receive the same level of additional compensation. You should ask your financial representative about how they are compensated.	Payments in Connection with Distribution of the Contract
Should I Exchange My Contract?	Some financial representatives may have a financial incentive to offer you a new contract in place of the one you already own. You should exchange a contract you already own only 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.

Appendix A – Investment Options Available Under The Contract

Underlying Funds

The following is a list of Underlying Funds available under the contract. More information about the Underlying Funds is available in the prospectuses for the Underlying Funds, which may be amended from time to time and can be found online at www.corebridgefinancial.com/ProductProspectuses. You can also request this information at no cost by calling (855) 421-2692. Depending on the optional benefits you choose, you may not be able to invest in certain Underlying Funds. See “Investment Requirements For Optional Living Benefits” in this appendix.

The current expenses and performance information below reflect fees and expenses of the Underlying Funds, but do not reflect the other fees and expenses that your contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Underlying Fund’s past performance is not necessarily an indication of future performance.

Type	Underlying Fund – Share Class Advisor Subadvisor (if applicable)	Current Expenses	Average Annual Total Returns (as of 12/31/2025)
Type		Current Expenses	1 Year	5 Year	10 Year
Asset Allocation	Franklin Allocation VIP Fund – Class 2 Franklin Advisers, Inc.	0.82%*	12.60%	5.73%	7.32%
	Franklin Income VIP Fund – Class 2 Franklin Advisers, Inc.	0.72%	12.56%	7.66%	7.30%
	SA Allocation Aggressive Portfolio – Class 3 SunAmerica Asset Management, LLC	1.03%*	15.84%	8.05%	9.34%
	SA Allocation Balanced Portfolio – Class 3 SunAmerica Asset Management, LLC	1.00%*	10.96%	3.91%	5.79%
	SA Allocation Moderate Portfolio – Class 3 SunAmerica Asset Management, LLC	1.01%*	12.52%	5.48%	7.20%
	SA Allocation Moderately Aggressive Portfolio – Class 3 SunAmerica Asset Management, LLC	1.01%*	14.13%	6.52%	8.07%
	SA American Funds Asset Allocation Portfolio1 – Class 3 SunAmerica Asset Management, LLC Capital Research and Management Company	0.80%*	15.57%	8.70%	9.48%
	SA BlackRock Multi-Factor 70/30 Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.76%*	14.00%	6.55%	N/A
	SA Franklin Allocation Moderately Aggressive Portfolio – Class 3 SunAmerica Asset Management, LLC Franklin Advisers, Inc.	1.14%*	17.57%	10.49%	10.11%
	SA Franklin Tactical Opportunities Portfolio – Class 3 SunAmerica Asset Management, LLC Franklin Advisers, Inc.	1.07%*	15.14%	8.17%	N/A
	SA Global Index Allocation 60/40 Portfolio – Class 3 SunAmerica Asset Management, LLC	0.80%*	15.33%	5.96%	N/A
	SA Global Index Allocation 75/25 Portfolio – Class 3 SunAmerica Asset Management, LLC	0.81%*	17.73%	7.35%	N/A
	SA Global Index Allocation 90/10 Portfolio – Class 3 SunAmerica Asset Management, LLC	0.77%	20.04%	8.81%	N/A
	SA Goldman Sachs Multi-Asset Insights Portfolio – Class 3 SunAmerica Asset Management, LLC Goldman Sachs Asset Management, L.P.	1.11%*	18.82%	8.55%	N/A
	SA Index Allocation 60/40 Portfolio – Class 3 SunAmerica Asset Management, LLC	0.71%	13.13%	6.99%	N/A
	SA Index Allocation 80/20 Portfolio – Class 3 SunAmerica Asset Management, LLC	0.69%	15.51%	9.25%	N/A
	SA Index Allocation 90/10 Portfolio – Class 3 SunAmerica Asset Management, LLC	0.69%	17.19%	10.39%	N/A

A-1

Type	Underlying Fund – Share Class Advisor Subadvisor (if applicable)	Current Expenses	Average Annual Total Returns (as of 12/31/2025)
Type		Current Expenses	1 Year	5 Year	10 Year
Asset Allocation (continued)	SA JPMorgan Diversified Balanced Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc.	0.99%*	12.65%	5.80%	7.27%
	SA MFS Total Return Portfolio – Class 3 SunAmerica Asset Management, LLC Massachusetts Financial Services Company	0.96%	10.69%	6.03%	7.26%
	SA T. Rowe Price Allocation Moderately Aggressive Portfolio – Class 3 SunAmerica Asset Management, LLC T. Rowe Price Associates, Inc.	1.00%	15.39%	8.22%	N/A
	SA Wellington Strategic Multi-Asset Portfolio – Class 3 SunAmerica Asset Management, LLC Wellington Management Company LLP	1.06%*	14.09%	5.60%	7.17%
Bond	PIMCO Emerging Markets Bond Portfolio – Advisor Class Pacific Investment Management Company, LLC	1.27%	14.86%	2.34%	4.96%
	PIMCO Total Return Portfolio – Advisor Class Pacific Investment Management Company, LLC	0.83%	8.78%	-0.08%	2.26%
	SA American Century Inflation Managed Portfolio – Class 3 SunAmerica Asset Management, LLC American Century Investment Management, Inc.	0.85%	6.21%	0.63%	2.06%
	SA Federated Hermes Corporate Bond Portfolio – Class 3 SunAmerica Asset Management, LLC Federated Investment Management Company	0.80%	6.78%	0.15%	3.46%
	SA Fixed Income Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.59%*	6.05%	-0.84%	N/A
	SA Fixed Income Intermediate Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.59%*	6.04%	0.72%	N/A
	SA Goldman Sachs Government and Quality Bond Portfolio2 – Class 3 SunAmerica Asset Management, LLC Goldman Sachs Asset Management L.P.2	0.84%	6.31%	-1.02%	1.21%
	SA JPMorgan MFS Core Bond Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc. and Massachusetts Financial Services Company	0.78%*	6.98%	-0.17%	2.19%
	SA JPMorgan Ultra-Short Bond Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc.	0.80%	4.39%	2.20%	1.45%
	SA PIMCO Global Bond Opportunities Portfolio – Class 3 SunAmerica Asset Management, LLC Pacific Investment Management Company, LLC	1.18%*	8.72%	-3.61%	0.35%
	SA PineBridge High-Yield Bond Portfolio – Class 3 SunAmerica Asset Management, LLC PineBridge Investments, LLC	1.01%	8.16%	5.05%	6.94%
Cash	Goldman Sachs VIT Government Money Market Fund – Service Shares Goldman Sachs Asset Management, L.P.	0.43%*	3.94%	2.98%	1.90%
Stock	Invesco V.I. American Franchise Fund – Series II Invesco Advisers, Inc.	1.10%	11.39%	10.08%	14.58%
	Invesco V.I. Comstock Fund – Series II Invesco Advisers, Inc.	1.00%	17.14%	15.14%	11.67%
	Invesco V.I. Growth and Income Fund – Series II Invesco Advisers, Inc.	1.00%	15.30%	12.56%	10.46%

A-2

Type	Underlying Fund – Share Class Advisor Subadvisor (if applicable)	Current Expenses	Average Annual Total Returns (as of 12/31/2025)
Type		Current Expenses	1 Year	5 Year	10 Year
Stock (continued)	Lord Abbett Growth and Income Portfolio – Class VC Lord, Abbett & Co. LLC	0.93%	17.29%	13.35%	11.12%
	SA AB Growth Portfolio – Class 3 SunAmerica Asset Management, LLC AllianceBernstein L.P.	0.88%	12.79%	11.67%	15.85%
	SA AB Small & Mid Cap Value Portfolio – Class 3 SunAmerica Asset Management, LLC AllianceBernstein L.P.	1.16%*	2.32%	8.36%	8.27%
	SA American Funds Global Growth Portfolio1 – Class 3 SunAmerica Asset Management, LLC Capital Research and Management Company	0.95%*	21.35%	7.94%	11.86%
	SA American Funds Growth Portfolio1 – Class 3 SunAmerica Asset Management, LLC Capital Research and Management Company	0.85%*	19.91%	13.07%	17.65%
	SA American Funds Growth-Income Portfolio1 – Class 3 SunAmerica Asset Management, LLC Capital Research and Management Company	0.82%*	17.67%	13.57%	13.59%
	SA BlackRock Advantage International Portfolio3 – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC3	1.12%*	20.99%	5.23%	6.11%
	SA Emerging Markets Equity Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.83%*	32.65%	3.13%	N/A
	SA Fidelity Institutional AM Global Equities Portfolio4 – Class 3 SunAmerica Asset Management, LLC FIAM LLC4	1.07%*	21.87%	13.53%	11.10%
	SA Fidelity Institutional AM International Growth Portfolio – Class 3 SunAmerica Asset Management, LLC FIAM LLC	1.14%*	18.00%	5.76%	N/A
	SA Fidelity Institutional AM Real Estate Portfolio – Class 3 SunAmerica Asset Management, LLC FIAM LLC	1.10%	1.25%	4.65%	5.18%
	SA Franklin BW U.S. Large Cap Value Portfolio – Class 3 SunAmerica Asset Management, LLC Brandywine Global Investment Management, LLC	0.95%*	16.83%	13.57%	11.32%
	SA Franklin Small Company Value Portfolio – Class 3 SunAmerica Asset Management, LLC Franklin Mutual Advisers, LLC	1.25%*	6.14%	8.32%	9.41%
	SA Franklin Systematic U.S. Large Cap Core Portfolio – Class 3 SunAmerica Asset Management, LLC Franklin Advisers, Inc.	0.79%	18.02%	15.11%	N/A
	SA Franklin Systematic U.S. Large Cap Value Portfolio – Class 3 SunAmerica Asset Management, LLC Franklin Advisers, Inc.	0.89%	16.68%	11.52%	12.31%
	SA International Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.75%	30.60%	8.18%	N/A
	SA Invesco Growth Opportunities Portfolio – Class 3 SunAmerica Asset Management, LLC Invesco Advisers, Inc.	1.07%	5.92%	-0.96%	8.86%
	SA Janus Focused Growth Portfolio – Class 3 SunAmerica Asset Management, LLC Janus Capital Management, LLC	1.05%*	18.04%	11.40%	15.34%

A-3

Type	Underlying Fund – Share Class Advisor Subadvisor (if applicable)	Current Expenses	Average Annual Total Returns (as of 12/31/2025)
Type		Current Expenses	1 Year	5 Year	10 Year
Stock (continued)	SA JPMorgan Emerging Markets Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc.	1.41%*	36.00%	4.37%	8.15%
	SA JPMorgan Equity-Income Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc.	0.84%	14.31%	10.52%	10.81%
	SA JPMorgan Large Cap Core Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc.	0.94%*	14.15%	12.71%	12.44%
	SA JPMorgan Mid-Cap Growth Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc.	1.02%*	7.86%	3.99%	11.89%
	SA Large Cap Growth Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.60%	21.51%	14.35%	N/A
	SA Large Cap Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.50%*	17.27%	13.83%	14.18%
	SA Large Cap Value Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.60%*	12.57%	12.28%	N/A
	SA MFS Large Cap Growth Portfolio – Class 3 SunAmerica Asset Management, LLC Massachusetts Financial Services Company	0.93%	16.39%	14.85%	15.87%
	SA MFS Massachusetts Investors Trust Portfolio – Class 3 SunAmerica Asset Management, LLC Massachusetts Financial Services Company	0.95%*	13.52%	11.20%	12.37%
	SA Mid Cap Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.62%	6.76%	8.39%	N/A
	SA PIMCO RAE International Value Portfolio – Class 3 SunAmerica Asset Management, LLC Pacific Investment Management Company, LLC	1.09%*	35.91%	10.00%	5.99%
	SA Putnam International Value Portfolio – Class 3 SunAmerica Asset Management, LLC Putnam Investment Management, LLC	1.18%*	34.95%	12.59%	8.79%
	SA Small Cap Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC	0.66%*	12.04%	5.28%	N/A
	SA Wellington Capital Appreciation Portfolio – Class 3 SunAmerica Asset Management, LLC Wellington Management Company LLP	0.98%	14.26%	8.54%	15.75%
Volatility Control	SA American Funds VCP Managed Allocation Portfolio1 – Class 3 SunAmerica Asset Management, LLC Capital Research and Management Company	1.15%*	10.83%	7.40%	7.96%
	SA Schroders VCP Global Allocation Portfolio – Class 3 SunAmerica Asset Management, LLC Schroder Investment Management North America	1.16%*	12.32%	5.73%	N/A
	SA T. Rowe Price VCP Balanced Portfolio – Class 3 SunAmerica Asset Management, LLC T. Rowe Price Associates, Inc.	1.09%	15.97%	6.81%	N/A
	SA VCP Dynamic Allocation Portfolio – Class 3 SunAmerica Asset Management, LLC AllianceBernstein L.P.	1.01%	11.13%	5.34%	7.51%

A-4

Type	Underlying Fund – Share Class Advisor Subadvisor (if applicable)	Current Expenses	Average Annual Total Returns (as of 12/31/2025)
Type		Current Expenses	1 Year	5 Year	10 Year
Volatility Control (continued)	SA VCP Dynamic Strategy Portfolio – Class 3 SunAmerica Asset Management, LLC AllianceBernstein L.P.	1.03%	10.89%	5.66%	7.19%
	SA VCP Index Allocation Portfolio – Class 3 SunAmerica Asset Management, LLC T. Rowe Price Associates, Inc.	0.78%	11.82%	7.29%	N/A

* This Underlying Fund is subject to an expense reimbursement or fee waiver arrangement resulting in a temporary expense reduction. See the Underlying Fund prospectus for additional information.

Capital Research and Management Company is the investment adviser of the master fund in which this Underlying Fund (Master-Feeder Fund) invests. Under a master-feeder fund structure, the feeder fund does not buy individual securities directly. Rather, the feeder fund invests all of its investment assets in a corresponding master fund, which invests directly in individual securities.

On July 28, 2025, SA Wellington Government and Quality Bond Portfolio was renamed SA Goldman Sachs Government and Quality Bond Portfolio and Goldman Sachs Asset Management L.P. became its subadvisor.

On May 1, 2026, SA Morgan Stanley International Equities Portfolio was renamed SA BlackRock Advantage International Portfolio and BlackRock Investment Management, LLC became its subadvisor.

On July 28, 2025, SA JPMorgan Global Equities Portfolio was renamed SA Fidelity Institutional AM Global Equities Portfolio and FIAM LLC became its subadvisor.

Fixed Accounts

The following is a list of Fixed Accounts currently available under the contract. We may change the features of the Fixed Accounts listed below, offer new Fixed Accounts, and terminate existing Fixed Accounts. We will provide you with written notice before doing so.

See INVESTMENT OPTIONS - FIXED ACCOUNTS in the prospectus for a description of the Fixed Accounts' features.

Name	Terms	Minimum Guaranteed Interest Rate
1-Year Fixed Account	1-Year	1%
Dollar Cost Averaging Fixed Account	6-Month, 12-Month, 2-Year*	1%
Secure Value Account**	1-Year	1%

* The 2-Year term for the Dollar Cost Averaging Fixed Account is not available for contracts issued on or after October 1, 2013.

** If you elect a Living Benefit, a certain percentage (either 10% or 20%) of your investment will automatically be allocated to the Secure Value Account. Amounts allocated to the Secure Value Account may not be transferred to any other investment option. You may not transfer into or out of the Secure Value Account.

INVESTMENT REQUIREMENTS FOR OPTIONAL LIVING BENEFITS

If you elected an optional Living Benefit, your contract is subject to investment requirements, as reflected below. Depending on the optional Living Benefit you elected, you may not be able to invest in certain investment options. If you did not elect any optional benefits, or if the only optional benefit you elected is a death benefit, your contract is not subject to investment requirements.

This section contains the investment requirements for the following optional Living Benefits that we are no longer offering to investors:

•

Polaris Income Max

•

Polaris Income Plus Daily Flex

•

Polaris Income Plus Flex

•

Polaris Income Plus Daily

•

Polaris Income Plus (formerly SunAmerica Income Plus)

•

Polaris Income Builder (formerly SunAmerica Income Builder)

•

MarketLock for Life

•

MarketLock Income Plus

•

MarketLock For Life Plus

•

MarketLock Income Plus, MarketLock For Life Plus, or MarketLock for Life Extensions

A-5

Polaris Income Max

If you elect Polaris Income Max, you must allocate your assets in accordance with the following:

20% Secure

Value Account

80% in one or more of the following Variable

Portfolios, except as otherwise noted:

Goldman Sachs VIT Government Money Market

Fund

PIMCO Total Return

SA American Century Inflation Managed

SA American Funds VCP Managed Allocation*

SA Federated Hermes Corporate Bond

SA Fixed Income Index

SA Fixed Income Intermediate Index

SA Goldman Sachs Government and Quality Bond

SA JPMorgan MFS Core Bond

SA JPMorgan Ultra-Short Bond

SA PIMCO Global Bond Opportunities

SA Schroders VCP Global Allocation*

SA T. Rowe Price VCP Balanced*

SA VCP Dynamic Allocation

SA VCP Dynamic Strategy

SA VCP Index Allocation

DCA Fixed Accounts**

6-Month DCA

1-Year DCA

*You may invest up to a maximum of 50% in each of

these Variable Portfolios.

**You may use a DCA Fixed Account to invest your

target allocation in accordance with the investment

requirements.

Polaris Income Plus Daily Flex

If you elect Polaris Income Plus Daily Flex on or after November 8, 2021, you must allocate your assets in accordance with the option below or Build Your Own Allocation:

10% Secure

Value Account

Asset Allocation Portfolios

90% in one or more of the following Variable

Portfolios:

Individually Managed Asset Allocation

Portfolios:

SA American Funds Asset Allocation

SA BlackRock Multi-Factor 70/30

SA Franklin Allocation Moderately Aggressive

SA Franklin Tactical Opportunities

SA Goldman Sachs Multi-Asset Insights

SA JPMorgan Diversified Balanced

SA MFS Total Return

SA T. Rowe Price Allocation Moderately

Aggressive

SA Wellington Strategic Multi-Asset

Actively Managed Fund-of-Funds:

SA Allocation Aggressive

SA Allocation Balanced

SA Allocation Moderate

SA Allocation Moderately Aggressive

Index Fund-of-Funds Portfolios:

SA Global Index Allocation 90/10

SA Global Index Allocation 75/25

SA Global Index Allocation 60/40

SA Index Allocation 90/10

SA Index Allocation 80/20

SA Index Allocation 60/40

Volatility Control Portfolios:

SA American Funds VCP Managed Allocation

SA Schroders VCP Global Allocation

SA T. Rowe Price VCP Balanced

SA VCP Dynamic Allocation

SA VCP Dynamic Strategy

SA VCP Index Allocation

Fixed Income Portfolios

Goldman Sachs VIT Government Money Market

Fund

PIMCO Total Return

SA American Century Inflation Managed

SA Federated Hermes Corporate Bond

SA Fixed Income Intermediate Index

SA Fixed Income Index

SA Goldman Sachs Government and Quality Bond

SA JPMorgan MFS Core Bond

SA JPMorgan Ultra-Short Bond

SA PIMCO Global Bond Opportunities

DCA Fixed Accounts*

6-Month DCA

1-Year DCA

*You may use a DCA Fixed Account to invest your

target allocation in accordance with the investment

requirements.

A-6

Build Your Own Allocation

You must allocate your assets in accordance with the following: 10% of your total Purchase Payments in the Secure Value Account. The remaining 90% of your total Purchase Payments must be allocated in the following Investment Groups:

FIXED INCOME PORTFOLIOS Investment Requirement Minimum 18% Maximum 90%
Money Market Portfolio:
Goldman Sachs VIT Government Money Market Fund
Core Fixed Income Portfolios:
PIMCO Total Return
SA American Century Inflation Managed
SA Federated Hermes Corporate Bond
SA Fixed Income Index
SA Fixed Income Intermediate Index
SA Goldman Sachs Government and Quality Bond
SA JPMorgan MFS Core Bond
SA JPMorgan Ultra-Short Bond
SA PIMCO Global Bond Opportunities
DCA Fixed Accounts*
6-Month DCA
1-Year DCA
Fixed Accounts
1-Year Fixed (if available)

PRIMARY EQUITY AND ASSET ALLOCATION PORTFOLIOS Investment Requirement Minimum 0% Maximum 72%**
Global & International Portfolios:
SA BlackRock Advantage International
SA Emerging Markets Equity Index
SA Fidelity Institutional AM Global Equities
SA International Index
Large Core Portfolios:
SA American Funds Growth-Income
SA Franklin Systematic U.S. Large Cap Core
SA JPMorgan Large Cap Core
SA Large Cap Index
SA MFS Massachusetts Investors Trust
Large Value Portfolios:
Invesco V.I. Comstock
Invesco V.I. Growth and Income
Lord Abbett Growth and Income
SA Franklin BW U.S. Large Cap Value
SA Franklin Systematic U.S. Large Cap Value
SA JPMorgan Equity-Income
SA Large Cap Value Index
Large Growth Portfolios:
Invesco V.I. American Franchise
SA AB Growth
SA American Funds Growth
SA Janus Focused Growth
SA Large Cap Growth Index
SA MFS Large Cap Growth
SA Wellington Capital Appreciation
Small & Mid Cap Portfolios:
SA Mid Cap Index
SA Small Cap Index
Asset Allocation Portfolios:
Franklin Allocation VIP Fund
Franklin Income VIP Fund
SA Allocation Aggressive
SA Allocation Balanced
SA Allocation Moderate
SA Allocation Moderately Aggressive

PRIMARY EQUITY AND ASSET ALLOCATION PORTFOLIOS - CONTINUED Investment Requirement Minimum 0% Maximum 72%**
SA American Funds Asset Allocation
SA BlackRock Multi-Factor 70/30
SA Franklin Allocation Moderately Aggressive
SA Franklin Tactical Opportunities
SA Global Index Allocation 60/40
SA Global Index Allocation 75/25
SA Global Index Allocation 90/10
SA Goldman Sachs Multi-Asset Insights
SA Index Allocation 60/40
SA Index Allocation 80/20
SA Index Allocation 90/10
SA JPMorgan Diversified Balanced
SA MFS Total Return
SA T. Rowe Price Allocation Moderately Aggressive
SA Wellington Strategic Multi-Asset
Asset Allocation (Volatility Control Portfolios):
SA American Funds VCP Managed Allocation
SA Schroders VCP Global Allocation
SA T. Rowe Price VCP Balanced
SA VCP Dynamic Allocation
SA VCP Dynamic Strategy
SA VCP Index Allocation

OTHER EQUITY AND SPECIALTY PORTFOLIOS Investment Requirement Minimum 0% Maximum 27%***
Small & Mid Cap Portfolios:
SA AB Small & Mid Cap Value
SA Franklin Small Company Value
SA Invesco Growth Opportunities
SA JPMorgan Mid-Cap Growth
Global & International Portfolios:
SA American Funds Global Growth
SA Fidelity Institutional AM International Growth
SA JPMorgan Emerging Markets
SA PIMCO RAE International Value
SA Putnam International Value
Specialty Portfolios:
PIMCO Emerging Markets Bond
SA Fidelity Institutional AM Real Estate
SA PineBridge High-Yield Bond

You may use a DCA Fixed Account to invest your target allocation in accordance with the investment requirements.

You may invest up to a maximum of 36% in an individual Variable Portfolio within this Investment Group.

***

You may invest up to a maximum of 9% in an individual Variable Portfolio within this Investment Group.

A-7

Polaris Income Plus Daily Flex

If your contract was purchased between May 1, 2019 and November 7, 2021 and you elected the optional Polaris Income Plus Daily Flex Living Benefit, you must allocate your assets in accordance with the option below or Build Your Own Allocation:

10% Secure

Value Account

Asset Allocation Portfolios

90% in one or more of the following Variable

Portfolios:

Individually Managed Asset Allocation

Portfolios:

SA American Funds Asset Allocation

SA BlackRock Multi-Factor 70/30

SA Franklin Tactical Opportunities

SA Franklin Allocation Moderately Aggressive

SA Goldman Sachs Multi-Asset Insights

SA JPMorgan Diversified Balanced

SA MFS Total Return

SA T. Rowe Price Allocation Moderately

Aggressive

SA Wellington Strategic Multi-Asset

Actively Managed Fund-of-Funds:

SA Allocation Aggressive

SA Allocation Balanced

SA Allocation Moderate

SA Allocation Moderately Aggressive

Index Fund-of-Funds Portfolios:

SA Global Index Allocation 90/10

SA Global Index Allocation 75/25

SA Global Index Allocation 60/40

SA Index Allocation 90/10

SA Index Allocation 80/20

SA Index Allocation 60/40

Volatility Control Portfolios:

SA American Funds VCP Managed Allocation

SA Schroders VCP Global Allocation

SA T. Rowe Price VCP Balanced

SA VCP Dynamic Allocation

SA VCP Dynamic Strategy

SA VCP Index Allocation

Fixed Income Portfolios

Goldman Sachs VIT Government Money Market

Fund

PIMCO Total Return

SA American Century Inflation Managed

SA Federated Hermes Corporate Bond

SA Fixed Income Intermediate Index

SA Fixed Income Index

SA Goldman Sachs Government and Quality Bond

SA JPMorgan MFS Core Bond

SA JPMorgan Ultra-Short Bond

SA PIMCO Global Bond Opportunities

DCA Fixed Accounts*

6-Month DCA

1-Year DCA

*You may use a DCA Fixed Account to invest your

target allocation in accordance with the investment

requirements.

Build Your Own Allocation

FIXED INCOME PORTFOLIOS Investment Requirement Minimum 18% Maximum 90%
Money Market Portfolio:
Goldman Sachs VIT Government Money Market Fund
Core Fixed Income Portfolios:
PIMCO Total Return
SA American Century Inflation Managed
SA Federated Hermes Corporate Bond
SA Fixed Income Index
SA Fixed Income Intermediate Index
SA Goldman Sachs Government and Quality Bond
SA JPMorgan MFS Core Bond
SA JPMorgan Ultra-Short Bond
SA PIMCO Global Bond Opportunities
DCA Fixed Accounts*
6-Month DCA
1-Year DCA
Fixed Accounts
1-Year Fixed (if available)

PRIMARY EQUITY AND ASSET ALLOCATION PORTFOLIOS Investment Requirement Minimum 0% Maximum 72%**
Global & International Portfolios:
SA BlackRock Advantage International
SA Emerging Markets Equity Index
SA Fidelity Institutional AM Global Equities
SA International Index
Large Core Portfolios:
SA American Funds Growth-Income
SA Franklin Systematic U.S. Large Cap Core
SA JPMorgan Large Cap Core
SA Large Cap Index
SA MFS Massachusetts Investors Trust
Large Value Portfolios:
Invesco V.I. Comstock
Invesco V.I. Growth and Income
Lord Abbett Growth and Income
SA Franklin BW U.S. Large Cap Value
SA Franklin Systematic U.S. Large Cap Value
SA JPMorgan Equity-Income
SA Large Cap Value Index
Large Growth Portfolios:
Invesco V.I. American Franchise
SA AB Growth
SA American Funds Growth
SA Janus Focused Growth
SA Large Cap Growth Index
SA MFS Large Cap Growth
SA Wellington Capital Appreciation1
Small & Mid Cap Portfolios:
SA Mid Cap Index
SA Small Cap Index
Asset Allocation Portfolios:
Franklin Allocation VIP Fund
Franklin Income VIP Fund
SA Allocation Aggressive
SA Allocation Balanced
SA Allocation Moderate
SA Allocation Moderately Aggressive

A-8

PRIMARY EQUITY AND ASSET ALLOCATION PORTFOLIOS - CONTINUED Investment Requirement Minimum 0% Maximum 72%**
SA American Funds Asset Allocation
SA BlackRock Multi-Factor 70/30
SA Franklin Allocation Moderately Aggressive
SA Franklin Tactical Opportunities
SA Global Index Allocation 60/40
SA Global Index Allocation 75/25
SA Global Index Allocation 90/10
SA Goldman Sachs Multi-Asset Insights
SA Index Allocation 60/40
SA Index Allocation 80/20
SA Index Allocation 90/10
SA JPMorgan Diversified Balanced
SA MFS Total Return
SA T. Rowe Price Allocation Moderately Aggressive
SA Wellington Strategic Multi-Asset
Asset Allocation (Volatility Control Portfolios):
SA American Funds VCP Managed Allocation
SA Schroders VCP Global Allocation
SA T. Rowe Price VCP Balanced
SA VCP Dynamic Allocation
SA VCP Dynamic Strategy
SA VCP Index Allocation

OTHER EQUITY AND SPECIALTY PORTFOLIOS Investment Requirement Minimum 0% Maximum 27%***
Small & Mid Cap Portfolios:
SA AB Small & Mid Cap Value
SA Franklin Small Company Value
SA Invesco Growth Opportunities
SA JPMorgan Mid-Cap Growth2
Global & International Portfolios:
SA American Funds Global Growth
SA Fidelity Institutional AM International Growth
SA JPMorgan Emerging Markets
SA PIMCO RAE International Value
SA Putnam International Value
Specialty Portfolios:
PIMCO Emerging Markets Bond
SA Fidelity Institutional AM Real Estate
SA PineBridge High-Yield Bond

You may use a DCA Fixed Account to invest your target allocation in accordance with the investment requirements.

You may invest up to a maximum of 36% in an individual Variable Portfolio within this Investment Group.

***

You may invest up to a maximum of 9% in an individual Variable Portfolio within this Investment Group.

1 You may invest up to a maximum of 45% in SA Wellington Capital Appreciation.

2 You may invest in up to 18% in SA JPMorgan Mid-Cap Growth.

Polaris Income PLUS FLEX

If your contract was purchased between May 1, 2019 and October 12, 2020 and you elected the optional Polaris Income Plus Flex Living Benefit, you must allocate your assets in accordance with the following:

10% Secure

Value Account

90% in one or more of the following Variable

Portfolios, except as otherwise noted:

Goldman Sachs VIT Government Money Market

Fund

PIMCO Total Return

SA American Century Inflation Managed

SA American Funds VCP Managed Allocation*

SA Federated Hermes Corporate Bond

SA Fixed Income Index

SA Fixed Income Intermediate Index

SA Goldman Sachs Government and Quality Bond

SA JPMorgan MFS Core Bond

SA JPMorgan Ultra-Short Bond

SA PIMCO Global Bond Opportunities

SA Schroders VCP Global Allocation*

SA T. Rowe Price VCP Balanced*

SA VCP Dynamic Allocation

SA VCP Dynamic Strategy

SA VCP Index Allocation

DCA Fixed Accounts**

6-Month DCA

1-Year DCA

*You may invest up to a maximum of 50% in each of

these Variable Portfolios.

**You may use a DCA Fixed Account to invest your

target allocation in accordance with the investment

requirements.

A-9

Polaris Income Plus Daily

If your contract was purchased between February 6, 2017 and September 8, 2019 and you elected the optional Polaris Income Plus Daily Living Benefit, you must allocate your assets in accordance with the following:

10% Secure

Value Account

90% in one or more of the following Variable

Portfolios:

Individually Managed Asset Allocation

Portfolios:

SA American Funds Asset Allocation

SA Franklin Allocation Moderately Aggressive

SA Franklin Tactical Opportunities

SA Goldman Sachs Multi-Asset Insights

SA JPMorgan Diversified Balanced

SA MFS Total Return

SA T. Rowe Price Allocation Moderately

Aggressive

SA Wellington Strategic Multi-Asset Income

Actively Managed Fund-of-Funds:

SA Allocation Aggressive

SA Allocation Balanced

SA Allocation Moderate

SA Allocation Moderately Aggressive

Fixed Income and Money Market Portfolios:

Goldman Sachs VIT Government Money Market

Fund

SA American Century Inflation Managed

SA Federated Hermes Corporate Bond

SA Fixed Income Index

SA Fixed Income Intermediate Index

SA Goldman Sachs Government and Quality

Bond

SA JPMorgan MFS Core Bond

SA JPMorgan Ultra-Short Bond

SA PIMCO Global Bond Opportunities

Index Fund-of-Funds Portfolios

SA Global Index Allocation 90/10

SA Global Index Allocation 75/25

SA Global Index Allocation 60/40

SA Index Allocation 90/10

SA Index Allocation 80/20

SA Index Allocation 60/40

Volatility Control Portfolios:

SA American Funds VCP Managed Allocation

SA Schroders VCP Global Allocation

SA T. Rowe Price VCP Balanced

SA VCP Dynamic Allocation

SA VCP Dynamic Strategy

SA VCP Index Allocation

DCA Fixed Accounts*

6-Month DCA

1-Year DCA

*You may use a DCA Fixed Account to invest your

target allocation in accordance with the investment

requirements.

If your contract was purchased between May 1, 2016 and February 5, 2017 and you elected the optional Polaris Income Plus Daily Living Benefit, you must allocate your assets in accordance with A or B:

10% Secure Value Account and 90% in Allocation* 1, 2, 3

or 4

* Please see POLARIS PORTFOLIO ALLOCATOR

PROGRAM and 50%-50% COMBINATION MODEL

PROGRAM FOR CONTRACTS ISSUED PRIOR TO

FEBRUARY 6, 2017 later in this Appendix for the

allocations for the formerly available Polaris Portfolio

Allocator Models.

10% Secure Value Account and select up to 90% in one

or more of the following Variable Portfolios:

Individually Managed Asset Allocation Portfolios:

SA American Funds Asset Allocation

SA Franklin Allocation Moderately Aggressive

SA Franklin Tactical Opportunities

SA Goldman Sachs Government and Quality Bond

SA Goldman Sachs Multi-Asset Insights

SA JPMorgan Diversified Balanced

SA MFS Total Return

SA T. Rowe Price Allocation Moderately Aggressive

Volatility Control Portfolios:

SA American Funds VCP Managed Allocation

SA Schroders VCP Global Allocation

SA T. Rowe Price VCP Balanced

SA VCP Dynamic Allocation

SA VCP Dynamic Strategy

SA VCP Index Allocation

Fixed Income and Money Market Portfolios:

Goldman Sachs VIT Government Money Market Fund

SA American Century Inflation Managed

SA Federated Hermes Corporate Bond

SA Fixed Income Index

SA Fixed Income Intermediate Index

SA Goldman Sachs Government and Quality Bond

SA JPMorgan MFS Core Bond

SA JPMorgan Ultra-Short Bond

SA PIMCO Global Bond Opportunities

Index Fund-of-Funds Portfolios

SA Global Index Allocation 90/10

SA Global Index Allocation 75/25

SA Global Index Allocation 60/40

SA Index Allocation 90/10

SA Index Allocation 80/20

SA Index Allocation 60/40

Actively Managed Fund-of-Funds:

SA Allocation Aggressive

SA Allocation Balanced

SA Allocation Moderate

SA Allocation Moderately Aggressive

DCA Fixed Accounts*

6-Month DCA

1-Year DCA

*You may use a DCA Fixed Account to invest your target

allocation in accordance with the investment requirements.

A-10

POLARIS INCOME PLUS

If your contract was purchased between May 1, 2015 and September 8, 2019, and you elected the optional Polaris Income Plus Living Benefit, the following Investment Requirements are applicable:

10% Secure

Value Account

90% in one or more of the following Variable

Portfolios, except as otherwise noted:

Goldman Sachs VIT Government Money Market

Fund

SA American Century Inflation Managed

SA American Funds VCP Managed Allocation*

SA Federated Hermes Corporate Bond

SA Fixed Income Index

SA Fixed Income Intermediate Index

SA Goldman Sachs Government and Quality Bond

SA JPMorgan MFS Core Bond

SA JPMorgan Ultra-Short Bond

SA PIMCO Global Bond Opportunities

SA Schroders VCP Global Allocation*

SA T. Rowe Price VCP Balanced*

SA VCP Dynamic Allocation

SA VCP Dynamic Strategy

SA VCP Index Allocation

* You may invest up to a maximum of 50% in

each of these Variable Portfolios.

If your contract was purchased between January 23, 2012 and April 30, 2015, and you elected the optional Polaris Income Plus Income Option 1, 2 or 3 (formerly called SunAmerica Income Plus) Living Benefit, you must allocate your assets in accordance with the following:

20% Secure

Value Account

80% in one or more of the following Variable

Portfolios, except as otherwise noted:

Goldman Sachs VIT Government Money Market

Fund

SA American Century Inflation Managed

SA American Funds VCP Managed Allocation*

SA Federated Hermes Corporate Bond

SA Fixed Income Index

SA Fixed Income Intermediate Index

SA Goldman Sachs Government and Quality Bond

SA JPMorgan MFS Core Bond

SA JPMorgan Ultra-Short Bond

SA PIMCO Global Bond Opportunities

SA Schroders VCP Global Allocation*

SA T. Rowe Price VCP Balanced*

SA VCP Dynamic Allocation

SA VCP Dynamic Strategy

SA VCP Index Allocation

* You may invest up to a maximum of 50% in

each of these Variable Portfolios.

If your contract was purchased between January 23, 2012 and September 30, 2013, and you elected the optional Polaris Income Plus Income Option with Custom Allocation Living Benefit, the following investment requirements are applicable:

Option 1	10% Secure Value Account	90% in Allocation* 1, 2 or 3 *Please see POLARIS PORTFOLIO ALLOCATOR PROGRAM and 50%-50% COMBINATION MODEL PROGRAM FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 later in this Appendix for the allocations for the formerly available Polaris Portfolio Allocator Models.
Option 2	10% Secure Value Account	90% in one or more of the following Variable Portfolios: Franklin Income VIP Fund SA Allocation Balanced SA Allocation Moderate SA Allocation Moderately Aggressive SA American Funds Asset Allocation SA JPMorgan Diversified Balanced SA Fixed Income Index SA Fixed Income Intermediate Index SA MFS Total Return SA VCP Dynamic Allocation SA VCP Dynamic Strategy SA VCP Index Allocation
Option 3	10% Secure Value Account	90% SA JPMorgan Ultra-Short Bond

If you choose the Build-Your-Own Option, after investing 10% in the Secure Value Account, the remaining 90% of Purchase Payments must be invested among the Variable Portfolios, as follows:

Investment Group	Flexible Allocation	Variable Portfolios and/or DCA Fixed Accounts
A. Bond, and DCA Fixed Account	Minimum 20% Maximum 90%	SA American Century Inflation Managed SA Federated Hermes Corporate Bond SA Goldman Sachs Government and Quality Bond SA JPMorgan MFS Core Bond SA JPMorgan Ultra-Short Bond SA PIMCO Global Bond Opportunities DCA Fixed Accounts* DCA 6-Month 1-Year DCA 2-Year DCA

A-11

Investment Group	Flexible Allocation	Variable Portfolios and/or DCA Fixed Accounts
B. Equity**	Minimum 0% Maximum 70%	Franklin Allocation VIP Fund Franklin Income VIP Fund Invesco V.I. American Franchise Fund Invesco V.I. Comstock Fund Invesco V.I. Growth and Income Fund Lord Abbett Growth and Income SA AB Growth SA AB Small & Mid Cap Value SA Allocation Balanced SA Allocation Aggressive SA Allocation Moderate SA Allocation Moderately Aggressive SA American Funds Asset Allocation SA American Funds Global Growth SA American Funds Growth SA American Funds Growth-Income SA BlackRock Advantage International SA Fidelity Institutional AM Global Equities SA Franklin BW U.S. Large Cap Value SA Franklin Systematic U.S. Large Cap Value SA Janus Focused Growth SA JPMorgan Diversified Balanced SA JPMorgan Equity-Income SA JPMorgan Large Cap Core SA JPMorgan Mid-Cap Growth SA MFS Large Cap Growth SA MFS Massachusetts Investors Trust SA MFS Total Return SA PIMCO RAE International Value SA PineBridge High-Yield Bond SA Putnam International Value SA VCP Dynamic Allocation SA VCP Dynamic Strategy SA Wellington Capital Appreciation
C. Limited Equity	Minimum 0% Maximum 10%	SA American Funds VCP Managed Allocation SA Fidelity Institutional AM Real Estate SA Franklin Small Company Value SA Invesco Growth Opportunities SA JPMorgan Emerging Markets

You may use a DCA Fixed Account to invest your target allocations in accordance with the investment requirements.

Not all funds listed in the Equity group invest in equity markets.

If your contract was purchased prior to January 23, 2012, and you elected the optional SunAmerica Income Plus (renamed Polaris Income Plus) Income Option 1 or 2 or 3 Living Benefit, the following investment requirements are applicable:

Flexible Allocation – Options 1-3

Option 1	10% Secure Value Account	90% in Allocation* 1, 2 or 3 *Please see POLARIS PORTFOLIO ALLOCATOR PROGRAM and 50%-50% COMBINATION MODEL PROGRAM FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 later in this Appendix for the allocations for the formerly available Polaris Portfolio Allocator Models.
Option 2	10% Secure Value Account	90% in one or more of the following Variable Portfolios: Franklin Income VIP Fund SA Allocation Balanced SA Allocation Moderate SA Allocation Moderately Aggressive SA American Funds Asset Allocation SA JPMorgan Diversified Balanced SA MFS Total Return SA VCP Dynamic Allocation SA VCP Dynamic Strategy
Option 3	10% Secure Value Account	90% SA JPMorgan Ultra-Short Bond Portfolio

Flexible Allocation – Build-Your-Own Option 4

If you choose the Build-Your-Own Option, after investing 10% in the Secure Value Account, the remaining 90% of Purchase Payments must be invested among the Variable Portfolios, as follows:

Investment Group	Flexible Allocation	Variable Portfolios and/or DCA Fixed Accounts
A. Bond, and DCA Fixed Accounts	Minimum 20% Maximum 90%	SA American Century Inflation Managed SA Federated Hermes Corporate Bond SA Goldman Sachs Government and Quality Bond SA JPMorgan MFS Core Bond SA JPMorgan Ultra-Short Bond SA PIMCO Global Bond Opportunities DCA Fixed Accounts* DCA 6-Month 1-Year DCA 2-Year DCA Fixed Accounts 1-Year Fixed (if available)

A-12

Investment Group	Flexible Allocation	Variable Portfolios and/or DCA Fixed Accounts
B. Equity**	Minimum 0% Maximum 70%	Franklin Allocation VIP Fund Franklin Income VIP Fund Invesco V.I. American Franchise Fund Invesco V.I. Comstock Fund Invesco V.I. Growth and Income Fund Lord Abbett Growth and Income SA AB Growth SA AB Small & Mid Cap Value SA Allocation Aggressive SA Allocation Balanced SA Allocation Moderate SA Allocation Moderately Aggressive SA American Funds Asset Allocation SA American Funds Global Growth SA American Funds Growth SA American Funds Growth-Income SA BlackRock Advantage International SA Fidelity Institutional AM Global Equities SA Franklin BW U.S. Large Cap Value SA Franklin Systematic U.S. Large Cap Value SA Janus Focused Growth SA JPMorgan Diversified Balanced SA JPMorgan Equity-Income SA JPMorgan Large Cap Core SA JPMorgan Mid-Cap Growth SA MFS Large Cap Growth SA MFS Massachusetts Investors Trust SA MFS Total Return SA PIMCO RAE International Value SA PineBridge High-Yield Bond SA Putnam International Value SA VCP Dynamic Allocation SA VCP Dynamic Strategy SA Wellington Capital Appreciation
C. Limited Equity	Minimum 0% Maximum 10%	SA American Funds VCP Managed Allocation SA Fidelity Institutional AM Real Estate SA Franklin Small Company Value SA Invesco Growth Opportunities SA JPMorgan Emerging Markets

You may use a DCA Fixed Account to invest your target allocations in accordance with the investment requirements.

Not all funds listed in the Equity group invest in equity markets.

POLARIS INCOME BUILDER

If your contract was purchased between May 1, 2015 and April 30, 2018, and you elected the optional Polaris Income Builder Living Benefit, you must allocate your assets in accordance with the following:

10% Secure

Value Account

90% in one or more of the following Variable

Portfolios, except as otherwise noted:

Goldman Sachs VIT Government Money Market

Fund

SA American Century Inflation Managed

SA American Funds VCP Managed Allocation*

SA Federated Hermes Corporate Bond

SA Fixed Income Index

SA Fixed Income Intermediate Index

SA Goldman Sachs Government and Quality Bond

SA JPMorgan MFS Core Bond

SA JPMorgan Ultra-Short Bond

SA PIMCO Global Bond Opportunities

SA Schroders VCP Global Allocation*

SA T. Rowe Price VCP Balanced*

SA VCP Dynamic Allocation

SA VCP Dynamic Strategy

SA VCP Index Allocation

*You may invest up to a maximum of 50% in each of

these Variable Portfolios.

If your contract was purchased between January 23, 2012 and April 30, 2015, and you elected the optional Polaris Income Builder (formerly called Sunamerica Income Builder) Living Benefit, you must allocate your assets in accordance with the following:

20% Secure

Value Account

80% in one or more of the following Variable

Portfolios, except as otherwise noted:

Goldman Sachs VIT Government Money Market

Fund

SA American Century Inflation Managed

SA American Funds VCP Managed Allocation*

SA Federated Hermes Corporate Bond

SA Fixed Income Index

SA Fixed Income Intermediate Index

SA Goldman Sachs Government and Quality Bond

SA JPMorgan MFS Core Bond

SA JPMorgan Ultra-Short Bond

SA PIMCO Global Bond Opportunities

SA Schroders VCP Global Allocation*

SA T. Rowe Price VCP Balanced*

SA VCP Dynamic Allocation

SA VCP Dynamic Strategy

SA VCP Index Allocation

*You may invest up to a maximum of 50% in each of

these Variable Portfolios.

A-13

If your contract was purchased prior to January 23, 2012, and you elected the optional SunAmerica Income Builder (renamed Polaris Income Builder) with Flexible Allocation Living Benefit, the following investment requirements are applicable:

Flexible Allocation – Options 1-3

Option 1	10% Secure Value Account	90% in Allocation* 1, 2 or 3 *Please see POLARIS PORTFOLIO ALLOCATOR PROGRAM and 50%-50% COMBINATION MODEL PROGRAM FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 later in this Appendix for the allocations for the formerly available Polaris Portfolio Allocator Models.
Option 2	10% Secure Value Account	90% in one or more of the following Variable Portfolios: Franklin Income VIP Fund SA Allocation Balanced SA Allocation Moderate SA Allocation Moderately Aggressive SA American Funds Asset Allocation SA JPMorgan Diversified Balanced SA MFS Total Return SA VCP Dynamic Allocation SA VCP Dynamic Strategy
Option 3	10% Secure Value Account	90% SA JPMorgan Ultra-Short Bond

Flexible Allocation – Build-Your-Own Option 4:

Investment Group	Flexible Allocation	Variable Portfolios and/or DCA Fixed Accounts
A. Bond, and DCA Fixed Account	Minimum 20% Maximum 90%	SA American Century Inflation Managed SA Federated Hermes Corporate Bond SA Goldman Sachs Government and Quality Bond SA JPMorgan MFS Core Bond SA JPMorgan Ultra-Short Bond SA PIMCO Global Bond Opportunities DCA Fixed Accounts* DCA 6-Month 1-Year DCA 2-Year DCA Fixed Accounts 1-Year Fixed (if available)

Investment Group	Flexible Allocation	Variable Portfolios and/or DCA Fixed Accounts
B. Equity	Minimum 0% Maximum 70%	Franklin Allocation VIP Fund Franklin Income VIP Fund Invesco V.I. American Franchise Fund Invesco V.I. Comstock Fund Invesco V.I. Growth and Income Fund Lord Abbett Growth and Income SA AB Growth SA AB Small & Mid Cap Value SA Allocation Aggressive SA Allocation Balanced SA Allocation Moderately Aggressive SA Allocation Moderate SA American Funds Asset Allocation SA American Funds Global Growth SA American Funds Growth SA American Funds Growth-Income SA BlackRock Advantage International SA Fidelity Institutional AM Global Equities SA Franklin BW U.S. Large Cap Value SA Franklin Systematic U.S. Large Cap Value SA Janus Focused Growth SA JPMorgan Diversified Balanced SA JPMorgan Equity-Income SA JPMorgan Large Cap Core SA JPMorgan Mid-Cap Growth SA MFS Large Cap Growth SA MFS Massachusetts Investors Trust SA MFS Total Return SA PineBridge High-Yield Bond SA PIMCO RAE Foreign Value SA Putnam International Value SA VCP Dynamic Allocation SA VCP Dynamic Strategy SA Wellington Capital Appreciation
C. Limited Equity	Minimum 0% Maximum 10%	SA American Funds VCP Managed Allocation SA Fidelity Institutional AM Real Estate SA Franklin Small Company Value SA Invesco Growth Opportunities SA JPMorgan Emerging Markets

You may use a DCA Fixed Account to invest your target allocations in accordance with the investment requirements.

A-14

MARKETLOCK FOR LIFE

If you elect MarketLock for Life at the time of contract issue, you must comply with investment requirements by allocating your investments in one of four ways or if using a DCA Fixed Account or a DCA Program, by indicating your target allocations, in one of four ways:

1	Invest in one of the three available Allocations: Allocation 1, Allocation 2 or Allocation 3 Please see POLARIS PORTFOLIO ALLOCATOR PROGRAM and 50%-50% COMBINATION MODEL PROGRAM FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 later in this Appendix for the allocations for the formerly available Polaris Portfolio Allocator Models.
2	Invest in one or more of the following Variable Portfolios: Franklin Income VIP Fund SA Allocation Balanced SA Allocation Moderate SA Allocation Moderately Aggressive SA American Funds Asset Allocation SA JPMorgan Diversified Balanced SA MFS Total Return SA VCP Dynamic Allocation SA VCP Dynamic Strategy
3	Invest in the SA JPMorgan Ultra-Short Bond
4	In accordance with the requirements outlined in the table below:

Investment Group	Investment Requirement	Variable Portfolios and/or Fixed Accounts
A. Bond, Cash and Fixed Accounts	Minimum 30% Maximum 100%	SA Federated Hermes Corporate Bond SA Goldman Sachs Government and Quality Bond SA JPMorgan MFS Core Bond SA JPMorgan Ultra-Short Bond SA PIMCO Global Bond Opportunities DCA Fixed Accounts* 6-Month DCA 1-Year DCA 2-Year DCA Fixed Accounts 1-Year Fixed (if available)

Investment Group	Investment Requirement	Variable Portfolios and/or Fixed Accounts
B. Equity	Minimum 0% Maximum 70%	Franklin Allocation VIP Fund Franklin Income VIP Fund Invesco V.I. American Franchise Fund Invesco V.I. Comstock Fund Lord Abbett Growth and Income SA AB Growth SA AB Small & Mid Cap Value SA Allocation Aggressive SA Allocation Balanced SA Allocation Moderate SA Allocation Moderately Aggressive SA American Funds Asset Allocation SA American Funds Global Growth SA American Funds Growth SA American Funds Growth-Income SA BlackRock Advantage International SA Fidelity Institutional AM Global Equities SA Franklin BW U.S. Large Cap Value SA Franklin Systematic U.S. Large Cap Value SA Janus Focused Growth SA JPMorgan Diversified Balanced SA JPMorgan Equity-Income SA JPMorgan Large Cap Core SA JPMorgan Mid-Cap Growth SA MFS Large Cap Growth SA MFS Massachusetts Investors Trust SA MFS Total Return SA PIMCO RAE International Value SA PineBridge High-Yield Bond SA VCP Dynamic Allocation SA VCP Dynamic Strategy SA Wellington Capital Appreciation
C. Limited Equity	Minimum 0% Maximum 10%	SA Fidelity Institutional AM Real Estate SA Franklin Small Company Value SA Invesco Growth Opportunities SA JPMorgan Emerging Markets

A-15

MarketLock Income Plus

If you elect MarketLock Income Plus at time of contract issue, you must comply with investment requirements by allocating your investments in one of four ways or if using a DCA Fixed Account or a DCA Program, by indicating your target allocations in one of four ways:

Invest 100% in the SA JPMorgan Ultra-Short Bond Portfolio; or

Invest 100% in either Allocation* 1, 2 or 3: or

Please see POLARIS PORTFOLIO PROGRAM and 50%-50% COMBINATION PORTFOLIO ALLOCATOR MODEL PROGRAM FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 later in this Appendix for the allocations for the formerly available Polaris Portfolio Allocator Models.

Invest 100% in one or a combination of the following Variable Portfolios:
Franklin Income VIP Fund
SA Allocation Balanced
SA Allocation Moderate
SA Allocation Moderately Aggressive
SA American Funds Asset Allocation
SA JPMorgan Diversified Balanced
SA MFS Total Return
SA VCP Dynamic Allocation
SA VCP Dynamic Strategy

In accordance with the requirements outlined in the table below:

Investment Group	Investment Requirement	Variable Portfolios and/or Fixed Accounts
A. Bond, Cash and Fixed Accounts	Minimum 30% Maximum 100%	SA American Century Inflation Managed SA Federated Hermes Corporate Bond SA Goldman Sachs Government and Quality Bond SA JPMorgan MFS Core Bond SA JPMorgan Ultra-Short Bond SA PIMCO Global Bond Opportunities DCA Fixed Accounts 6-Month DCA 1-Year DCA 2-Year DCA Fixed Accounts 1-Year Fixed (if available)

Investment Group	Investment Requirement	Variable Portfolios and/or Fixed Accounts
B. Equity Maximum	Minimum 0% Maximum 70%	Franklin Allocation VIP Fund Franklin Income VIP Fund Invesco V.I. American Franchise Fund Invesco V.I. Comstock Fund Lord Abbett Growth and Income SA AB Growth SA AB Small & Mid Cap Value SA Allocation Aggressive SA Allocation Balanced SA Allocation Moderate SA Allocation Moderately Aggressive SA American Funds Asset Allocation SA American Funds Global Growth SA American Funds Growth SA American Funds Growth-Income SA BlackRock Advantage International SA Fidelity Institutional AM Global Equities SA Franklin BW U.S. Large Cap Value SA Franklin Systematic U.S. Large Cap Value SA Janus Focused Growth SA JPMorgan Diversified Balanced SA JPMorgan Equity-Income SA JPMorgan Large Cap Core Portfolio SA JPMorgan Mid-Cap Growth SA MFS Large Cap Growth SA MFS Massachusetts Investors Trust SA MFS Total Return SA PIMCO RAE International Value SA PineBridge High-Yield Bond SA VCP Dynamic Allocation SA VCP Dynamic Strategy SA Wellington Capital Appreciation
C. Limited Equity	Minimum 0% Maximum 10%	SA Fidelity Institutional AM Real Estate SA Franklin Small Company Value SA Invesco Growth Opportunities SA JPMorgan Emerging Markets

A-16

MarketLock For Life Plus

If you elected MarketLock For Life Plus at the time of contract issue, you must comply with investment requirements by allocation your investments in one of four ways or if using a DCA Fixed Account or a DCA Program, by indicating your target allocations in one of four ways:

Invest 100% in the SA JPMorgan Ultra-Short Bond Portfolio; or

Invest 100% in either Allocation* 1, 2 or 3; or

Please see POLARIS PORTFOLIO ALLOCATOR PROGRAM and 50%-50% COMBINATION MODEL PROGRAM FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 later in this Appendix for the allocations for the formerly available Polaris Portfolio Allocator Models.

Invest 100% in one or a combination of the following Variable Portfolios:

Franklin Income VIP Fund
SA Allocation Balanced
SA Allocation Moderate
SA Allocation Moderately Aggressive
SA American Funds Asset Allocation
SA JPMorgan Diversified Balanced
SA MFS Total Return
SA VCP Dynamic Allocation
SA VCP Dynamic Strategy

Invest in accordance with the requirements outlined in the table below:

Investment Group	Investment Requirement	Variable Portfolios and/or Fixed Accounts
A. Bond, Cash and Fixed Accounts	Minimum 30% Maximum 100%	SA American Century Inflation Managed SA Federated Hermes Corporate Bond SA Goldman Sachs Government and Quality Bond SA JPMorgan MFS Core Bond SA JPMorgan Ultra-Short Bond SA PIMCO Global Bond Opportunities DCA Fixed Accounts 6-Month DCA 1-Year DCA 2-Year DCA Fixed Accounts 1-Year Fixed (if available)

Investment Group	Investment Requirement	Variable Portfolios and/or Fixed Accounts
B. Equity Maximum	Minimum 0% Maximum 70%	Franklin Allocation VIP Fund Franklin Income VIP Fund Invesco V.I. American Franchise Fund Invesco V.I. Comstock Fund Lord Abbett Growth and Income SA AB Growth SA AB Small & Mid Cap Value SA Allocation Aggressive SA Allocation Balanced SA Allocation Moderate SA Allocation Moderately Aggressive SA American Funds Asset Allocation SA American Funds Global Growth SA American Funds Growth SA American Funds Growth-Income SA BlackRock Advantage International SA Fidelity Institutional AM Global Equities SA Franklin BW U.S. Large Cap Value SA Franklin Systematic U.S. Large Cap Value SA Janus Focused Growth SA JPMorgan Diversified Balanced SA JPMorgan Equity-Income SA JPMorgan Mid-Cap Growth SA MFS Large Cap Growth SA MFS Massachusetts Investors Trust SA MFS Total Return SA PIMCO Global Bond Opportunities SA PIMCO RAE International Value SA PineBridge High-Yield Bond SA VCP Dynamic Allocation SA VCP Dynamic Strategy SA Wellington Capital Appreciation
C. Limited Equity	Minimum 0% Maximum 10%	SA Fidelity Institutional AM Real Estate SA Franklin Small Company Value SA Invesco Growth Opportunities SA JPMorgan Emerging Markets

A-17

MarketLock income plus, MARKETLOCK FOR LIFE PLUS AND MARKETLOCK FOR LIFE extensions

If you purchased a contract between May 4, 2009 and January 18, 2010 and you elected the MarketLock Income Plus or MarketLock For Life Plus Living Benefit or if you purchased a contract between May 4, 2009 and January 20, 2012 and you elected the MarketLock For Life Living Benefit and have elected the first, second and third Extensions, you must comply with investment requirements by allocating your investments in accordance with one of the four ways:

Option 1	100% in one or more of the following: SA JPMorgan Ultra-Short Bond SA VCP Dynamic Allocation SA VCP Dynamic Strategy
Option 2	At least 50% and up to 100% in one or more of the following: SA JPMorgan Ultra-Short Bond SA VCP Dynamic Allocation SA VCP Dynamic Strategy Up to 50% in one or more of the following Variable Portfolios: Franklin Income VIP Fund SA Allocation Balanced SA Allocation Moderate SA Allocation Moderately Aggressive SA American Funds Asset Allocation SA JPMorgan Diversified Balanced SA MFS Total Return
Option 3	25% SA VCP Dynamic Allocation and 25% SA VCP Dynamic Strategy and 50% in one of the following Allocations: Allocation 1, Allocation 2 or Allocation 3 Please see POLARIS PORTFOLIO ALLOCATOR PROGRAM and 50%-50% COMBINATION MODEL PROGRAM FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 later in this Appendix for the allocations for the formerly available Polaris Portfolio Allocator Models.
Option 4	At least 50% and up to 100% in one or more of the following: SA JPMorgan Ultra-Short Bond SA VCP Dynamic Allocation SA VCP Dynamic Strategy Up to 50% in accordance with the requirements outlined in the table below:

Investment Group	Investment Requirement	Variable Portfolios and/or Fixed Accounts
A. Bond, Cash and Fixed Accounts	Minimum 15% Maximum 50%	SA American Century Inflation Managed SA Federated Hermes Corporate Bond SA Goldman Sachs Government and Quality Bond SA JPMorgan MFS Core Bond SA PIMCO Global Bond Opportunities Fixed Accounts 1-Year Fixed (if available)

Investment Group	Investment Requirement	Variable Portfolios and/or Fixed Accounts
B. Equity Maximum	Minimum 0% Maximum 35%	Franklin Allocation VIP Fund Franklin Income VIP Fund Invesco V.I. American Franchise Fund Invesco V.I. Comstock Fund Invesco V.I. Growth and Income Fund Lord Abbett Growth and Income SA AB Growth SA AB Small & Mid Cap Value SA Allocation Aggressive SA Allocation Balanced SA Allocation Moderate SA Allocation Moderately Aggressive SA American Funds Asset Allocation SA American Funds Global Growth SA American Funds Growth SA American Funds Growth-Income SA BlackRock Advantage International SA Fidelity Institutional AM Global Equities SA Franklin BW U.S. Large Cap Value SA Franklin Systematic U.S. Large Cap Value SA Janus Focused Growth SA JPMorgan Diversified Balanced SA JPMorgan Equity-Income SA JPMorgan Large Cap Core SA JPMorgan Mid-Cap Growth SA MFS Large Cap Growth SA MFS Massachusetts Investors Trust SA MFS Total Return SA PIMCO RAE International Value SA PineBridge High-Yield Bond SA Putnam International Value SA Wellington Capital Appreciation
C. Limited Equity	Minimum 0% Maximum 5%	SA Fidelity Institutional AM Real Estate SA Franklin Small Company Value SA Invesco Growth Opportunities SA JPMorgan Emerging Markets

A-18

Polaris Portfolio Allocator Program and 50%-50% Combination Model Program for Contracts Issued Prior to February 6, 2017

Effective on February 6, 2017, the Polaris Allocator Program is no longer offered.

If you invested in a Polaris Portfolio Allocator Model prior to February 6, 2017, you will remain invested in the same Variable Portfolios and in the same amounts and weights as before the Polaris Portfolio Allocator Program was terminated; however, the investment will no longer be considered to be a Polaris Portfolio Allocator Model and you may no longer trade into a Polaris Portfolio Allocator Model. Any active asset rebalancing or dollar cost averaging programs will continue according to your current allocations on file. You should speak with your financial representative about how to keep the Variable Portfolio allocations in each Portfolio Allocator Model in line with your investment goals over time.

Additionally, if you elected a living benefit which allowed Polaris Portfolio Allocator Models as part of the investment requirements, you may trade out of your allocation at any time into any investment that meets your living benefit’s investment requirements, including the asset allocation of the Variable Portfolios listed in the following table (“Allocations”). After the termination effective date, only the asset allocation of the Variable Portfolios of your current model or the Allocations below will meet the investment requirements for living benefits which previously allowed Polaris Portfolio Allocator Models. Please see Investment Requirements for Optional Living Benefits above for the investment requirements associated with your Living Benefit.

Allocations (effective February 6, 2017)

Variable Portfolios	Allocation 1	Allocation 2	Allocation 3	Allocation 4*
Invesco V.I. Comstock Fund	5.00%	5.00%	6.00%	8.00%
Invesco V.I. Growth and Income Fund	6.00%	7.00%	8.00%	8.00%
SA AB Growth	3.00%	4.00%	4.00%	6.00%
SA AB Small & Mid Cap Value	1.00%	1.00%	1.00%	2.00%
SA American Century Inflation Managed	5.00%	3.00%	2.00%	0.00%
SA American Funds Global Growth	2.00%	3.00%	4.00%	6.00%
SA American Funds Growth-Income	0.00%	0.00%	1.00%	4.00%
SA BlackRock Advantage International	3.00%	3.00%	4.00%	5.00%
SA Federated Hermes Corporate Bond	10.00%	8.00%	7.00%	1.00%
SA Fidelity Institutional AM Real Estate	0.00%	0.00%	0.00%	1.00%
SA Franklin BW U.S. Large Cap Value	4.00%	4.00%	4.00%	5.00%
SA Franklin Small Company Value	0.00%	2.00%	2.00%	1.00%
SA Franklin Systematic U.S. Large Cap Value	3.00%	3.00%	3.00%	5.00%
SA Goldman Sachs Government and Quality Bond	8.00%	8.00%	7.00%	2.00%
SA Janus Focused Growth	0.00%	1.00%	1.00%	2.00%
SA JPMorgan Emerging Markets	0.00%	1.00%	2.00%	2.00%
SA JPMorgan Equity-Income	6.00%	7.00%	8.00%	8.00%
SA JPMorgan Large Cap Core	3.00%	4.00%	4.00%	6.00%
SA JPMorgan MFS Core Bond	17.00%	13.00%	10.00%	5.00%
SA JPMorgan Ultra-Short Bond	2.00%	1.00%	0.00%	0.00%
SA MFS Large Cap Growth	2.00%	3.00%	4.00%	4.00%
SA MFS Massachusetts Investors Trust	6.00%	6.00%	7.00%	8.00%
SA PIMCO Global Bond Opportunities	4.00%	4.00%	2.00%	2.00%
SA PIMCO RAE International Value	3.00%	3.00%	3.00%	4.00%
SA PineBridge High-Yield Bond	4.00%	3.00%	2.00%	0.00%
SA Wellington Capital Appreciation	3.00%	3.00%	4.00%	5.00%
Total	100%	100%	100%	100%

Allocation 4 above is only available if you elected the Polaris Income Plus Daily Living Benefit prior to February 6, 2017.

A-19

Effective on February 6, 2017, the Combination Model Program will no longer be offered.

If you invested in a Combination Model prior to February 6, 2017, you will remain invested in the same Variable Portfolios and in the same amounts and weights as before the Polaris Portfolio Allocator Program was terminated; however, the investment will no longer be considered to be a 50%-50% Combination Model and you

may no longer trade into any other Combination Model. Any active asset rebalancing or dollar cost averaging programs will continue according to your current allocations on file. You should speak with your financial representative about how to keep the Variable Portfolio allocations in each Portfolio Allocator Model in line with your investment goals over time.

* * *

This summary prospectus incorporates by reference the prospectus and statement of additional information (SAI) for the contract, both dated May 1, 2026, as may be amended or supplemented from time to time. The SAI may be obtained, free of charge, in the same manner as the prospectus.

EDGAR Contract Identifier: C000111545

A-20

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