Commission File Nos. 2-72671

811-3199

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Form N-4

REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933	☐
Pre-Effective Amendment No.	☐
Post-Effective Amendment No. 55	☒
and
REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940	☐
Amendment No. 136	☒

ZALICO Variable Annuity Separate Account

(Exact Name of Registrant)

Zurich American Life Insurance Company

(Name of Insurance Company)

1299 Zurich Way, Schaumburg, Illinois	60196
(Address of Insurance Company’s Principal Executive Offices)	(Zip Code)

Insurance Company’s Telephone Number, including Area Code: (425) 577-5100

Juanita M. Thomas, Esq.

Zurich American Life Insurance Company

4962 Cross Pointe Drive

Oldsmar, FL 34677

(Name and Address of Agent for Service)

Approximate Date of Proposed Public Offering: Continuous

It is proposed that this filing will become effective (check appropriate box)

☐ immediately upon filing pursuant to paragraph (b) of Rule 485

☒ on May 1, 2019 pursuant to paragraph (b) of Rule 485

☐ 60 days after filing pursuant to paragraph (a) of Rule 485

☐ on                      pursuant to paragraph (a) of Rule 485

If appropriate, check the following box:

☐ This post-effective amendment designates a new effective date for a previously filed post-effective amendment.

Title of Securities being Registered:

Units of interest in Separate Account under the Contracts

No filing fee is due because an indefinite number of shares is deemed to have been registered in reliance on Section 24(f) of the Investment Company Act of 1940.

PROSPECTUS FOR

ZURICH AMERICAN LIFE INSURANCE COMPANY

PERIODIC PAYMENT VARIABLE

ANNUITY CONTRACTS

ZURICH ADVANTAGE III

Issued By

ZALICO VARIABLE ANNUITY SEPARATE ACCOUNT

(formerly KILICO Variable Annuity Separate Account)

of

ZURICH AMERICAN LIFE INSURANCE COMPANY

(formerly Kemper Investors Life Insurance Company)

This Prospectus describes Periodic Payment Deferred Variable Annuity Contracts (the “Contract”) offered by Zurich American Life Insurance Company (formerly known as Kemper Investors Life Insurance Company) (“we” or “ZALICO”). These Contracts are designed to provide annuity benefits for retirement which may or may not qualify for certain federal tax advantages. The Contract is no longer issued, however, you may make additional purchase payments as permitted under your Contract.

You may allocate purchase payments to the General Account or to one or more of the variable options. The Contract currently offers 51 variable investment options, each being a Subaccount of the ZALICO Variable Annuity Separate Account. All Subaccount options are not available to all Contract Owners (See “7. Death Benefit” page 65.) Currently, Subaccounts that invest in the following Portfolios or Funds (certain funds may not be available in all States) are offered under the Contract:

• AIM Variable Insurance Funds (Invesco Variable Insurance Funds) (Series I Shares)

• Invesco V.I. Diversified Dividend Fund

• Invesco V.I. Health Care Fund

• Invesco V.I. Global Real Estate Fund

• Invesco V.I. Managed Volatility Fund

• The Alger Portfolios (Class I-2 Shares)

• Alger Large Cap Growth Portfolio

• Alger Mid Cap Growth Portfolio

• Alger Small Cap Growth Portfolio

• American Century Variable Portfolios, Inc. (“VP”) (Class I Shares)

• American Century VP Income & Growth Fund

• American Century VP Value Fund

• Dreyfus Investment Portfolios (“Dreyfus IP”) (Service Shares)⁽¹⁾

• Dreyfus MidCap Stock Portfolio⁽²⁾

• The Dreyfus Sustainable U.S. Equity Portfolio, Inc. (Initial Share Class)⁽³⁾

• The Dreyfus Sustainable U.S. Equity Portfolio, Inc.⁽⁴⁾

• Deutsche DWS Variable Series I (Class A Shares)

• DWS Bond VIP⁽⁵⁾

• DWS Capital Growth VIP⁽⁶⁾

• DWS Core Equity VIP⁽⁷⁾

• DWS CROCI^® International VIP⁽⁸⁾

• Deutsche DWS Variable Series II (Class A Shares)

• DWS Global Income Builder VIP⁽⁹⁾

• DWS Global Equity VIP⁽¹⁰⁾

• DWS Small Mid Cap Value VIP⁽¹¹⁾

• DWS Government & Agency Securities VIP⁽¹²⁾

• DWS High Income VIP⁽¹³⁾

• DWS CROCI^® U.S. VIP⁽¹⁴⁾

• DWS Government Money Market VIP⁽¹⁵⁾

• DWS Small Mid Cap Growth VIP⁽¹⁶⁾

• Fidelity Variable Insurance Products Funds (“VIP”) (Initial Class Shares)

• Fidelity VIP Asset Manager^SM Portfolio

• Fidelity VIP Contrafund^® Portfolio

• Fidelity VIP Equity-Income Portfolio

• Fidelity VIP Growth Portfolio

• Fidelity VIP Index 500 Portfolio

• Franklin Templeton Variable Insurance Products Trust (Class 2 Shares)

• Franklin Rising Dividends VIP Fund

• Franklin Small Cap Value VIP Fund

• Franklin Strategic Income VIP Fund

• Franklin U.S. Government Securities VIP Fund

• Franklin Mutual Global Discovery VIP Fund

• Franklin Mutual Shares VIP Fund

• Templeton Developing Markets VIP Fund

• JPMorgan Insurance Trust (Class I)

• JPMorgan Insurance Trust Mid Cap Value Portfolio

• JPMorgan Insurance Trust Small Cap Core Portfolio

• JPMorgan Insurance Trust U.S. Equity Portfolio

• Janus Aspen Series (Institutional Shares)

• Janus Henderson Balanced Portfolio

• Janus Henderson Enterprise Portfolio

• Janus Henderson Research Portfolio

• Janus Henderson Global Research Portfolio

• Janus Aspen Series (Service Shares)

• Janus Henderson Mid Cap Value Portfolio

• Oppenheimer Variable Account Funds (Service Shares)

• Oppenheimer Capital Appreciation Fund/VA⁽¹⁷⁾

• Oppenheimer Global Fund/VA⁽¹⁸⁾

• Oppenheimer Global Strategic Income Fund/VA⁽¹⁹⁾

• Oppenheimer Main Street Fund^®/VA⁽²⁰⁾

• Oppenheimer Main Street Small Cap Fund^®/VA⁽²¹⁾

• Oppenheimer Discovery Mid Cap Growth Fund/VA⁽²²⁾

• Voya Investors Trust (Institutional Class)

• VY^® JPMorgan Emerging Markets Equity Portfolio

• Voya Variable Portfolios, Inc. (Class S)

• Voya Global Equity Portfolio

⁽¹⁾  Effective on or about June 3, 2019, Dreyfus Investment Portfolios will be renamed BNY Mellon Investment Portfolios

⁽²⁾  Effective on or about June 3, 2019, Dreyfus MidCap Stock Portfolio will be renamed BNY Mellon Investment Portfolios, MidCap Stock Portfolio

⁽³⁾  Effective on or about June 3, 2019, The Dreyfus Sustainable U.S. Equity Portfolio, Inc. will be renamed BNY Mellon Sustainable U.S. Equity Portfolio, Inc.

⁽⁴⁾  Effective on or about June 3, 2019, The Dreyfus Sustainable U.S. Equity Portfolio, Inc. fund will be renamed BNY Mellon Sustainable U.S. Equity Portfolio, Inc.

⁽⁵⁾  Name change effective July 2, 2018. Formerly known as Deutsche Bond VIP.

⁽⁶⁾  Name change effective July 2, 2018. Formerly known as Deutsche Capital Growth VIP.

⁽⁷⁾  Name change effective July 2, 2018. Formerly known as Deutsche Core Equity VIP.

⁽⁸⁾  Name change effective July 2, 2018. Formerly known as Deutsche CROCI^® International VIP.

⁽⁹⁾  Name change effective July 2, 2018. Formerly known as Deutsche Global Income Builder VIP.

⁽¹⁰⁾  Name change effective July 2, 2018. Formerly known as Deutsche Global Equity VIP.

⁽¹¹⁾  Name change effective July 2, 2018. Formerly known as Deutsche Small Mid Cap Value VIP.

⁽¹²⁾  Name change effective July 2, 2018. Formerly known as Deutsche Government & Agency Securities VIP.

⁽¹³⁾  Name change effective July 2, 2018. Formerly known as Deutsche High Income VIP.

⁽¹⁴⁾  Name change effective July 2, 2018. Formerly known as Deutsche CROCI^® U.S. VIP.

⁽¹⁵⁾  Name change effective July 2, 2018. Formerly known as Deutsche Government Money Market VIP.

⁽¹⁶⁾  Name change effective July 2, 2018. Formerly known as Deutsche Small Mid Cap Growth VIP.

⁽¹⁷⁾  If approved by shareholders, on or about the close of business on May 24, 2019, the Oppenheimer Capital Appreciation Fund/VA will be renamed Invesco Oppenheimer V.I. Capital Appreciation Fund.

⁽¹⁸⁾  If approved by shareholders, on or about the close of business on May 24, 2019, the Oppenheimer Global Fund/VA will be renamed Invesco Oppenheimer V.I. Global Fund.

⁽¹⁹⁾  If approved by shareholders, on or about the close of business on May 24, 2019, the Oppenheimer Global Strategic Income Fund/VA will be renamed Invesco Oppenheimer V.I. Global Strategic Income Fund.

⁽²⁰⁾  If approved by shareholders, on or about the close of business on May 24, 2019, the Oppenheimer Main Street Fund/VA will be renamed Invesco Oppenheimer V.I. Oppenheimer Main Street Fund.

⁽²¹⁾  If approved by shareholders, on or about the close of business on May 24, 2019, the Oppenheimer Main Street Small Cap Fund/VA will be renamed Invesco Oppenheimer V.I. Oppenheimer Main Street Small Cap Fund/VA.

⁽²²⁾  If approved by shareholders, on or about the close of business on May 24, 2019, the Oppenheimer Discovery Mid Cap Growth Fund/VA will be renamed Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund.

The Contracts are not insured by the FDIC. They are obligations of the issuing insurance company and not a deposit of, or guaranteed by, any bank or savings institution and are subject to risks, including possible loss of principal.

This Prospectus contains important information about the Contracts that you should know before investing. You should read it before investing and keep it for reference. We have filed a Statement of Additional Information (“SAI”) with the Securities and Exchange Commission. The current SAI has the same date as this Prospectus and is incorporated by reference. You may obtain a free copy by writing us or calling (888) 477-9700. A table of contents for the SAI appears on page 86. You may also find this Prospectus and other required information about the Separate Account at the SEC’s web site at http://www.sec.gov.

The Securities and Exchange Commission has not approved or disapproved these securities or determined if this Prospectus is truthful or complete. Any representation to the contrary is a criminal offense.

The date of this Prospectus is May 1, 2019.

TABLE OF CONTENTS

	Page
DEFINITIONS		4
SUMMARY		6
SUMMARY OF EXPENSES		8
CONDENSED FINANCIAL INFORMATION		11
ZALICO, THE SEPARATE ACCOUNT AND THE FUNDS		53
FIXED ACCOUNT OPTION		58
THE CONTRACTS		60
CONTRACT CHARGES AND EXPENSES		68
THE ANNUITY PERIOD		71
FEDERAL TAX MATTERS		75
DISTRIBUTION OF CONTRACTS		83
VOTING RIGHTS		84
REPORTS TO CONTRACT OWNERS AND INQUIRIES		84
DOLLAR COST AVERAGING		84
SYSTEMATIC WITHDRAWAL PLAN		85
DISCONTINUED ASSET ALLOCATION SERVICE		85
PROVISIONS OF PRIOR CONTRACTS		85
LEGAL PROCEEDINGS		86
TABLE OF CONTENTS—STATEMENT OF ADDITIONAL INFORMATION		86
FINANCIAL STATEMENTS		86
CONTRACTS ISSUED MAY 1, 2001 THROUGH FEBRUARY 18, 2002		87
APPENDIX		90

3

DEFINITIONS

The following terms as used in this Prospectus have the indicated meanings:

Accumulation Period—The period between the Date of Issue of a Contract and the Annuity Date.

Accumulation Unit—A unit of measurement used to determine the value of each Subaccount during the Accumulation Period.

Annuitant—The person during whose lifetime the annuity is to be paid.

Annuity Date—The date on which annuity payments are to commence.

Annuity Option—One of several forms in which annuity payments can be made.

Annuity Period—The period starting on the Annuity Date.

Annuity Unit—A unit of measurement used to determine the amount of Variable Annuity payments.

Beneficiary—The person designated to receive any benefits under a Contract upon your death or upon the Annuitant’s death prior to the Annuity Period.

Company (“we”, “us”, “our”, “ZALICO”)—Zurich American Life Insurance Company. Our home office is at 1299 Zurich Way, Schaumburg, Illinois 60196. For Insurance Services, please write us at P.O. Box 758557, Topeka, KS 66675-8557.

Contract—A Variable Annuity Contract offered by this Prospectus.

Contract Value—The sum of the values of your interest in the Subaccount(s) of the Separate Account and the General Account.

Contract Year—The period between anniversaries of the Date of Issue of a Contract.

Contract Quarter—The periods between quarterly anniversaries of the Date of Issue of a Contract.

Contribution Year—Each Contract Year in which a Purchase Payment is made and each later year measured from the start of the Contract Year when the Purchase Payment was made. For example, if you make an initial payment of $15,000 and then make a later payment of $10,000 during the fourth Contract Year, the fifth Contract Year will be the fifth Contribution Year for the purpose of Accumulation Units attributable to the initial payment and the second Contribution Year with respect to Accumulation Units attributable to the later $10,000 payment.

Date of Issue—The date on which the first Contract Year commences.

Debt—The principal of any outstanding loan from the General Account Contract Value, plus any accrued interest.

Fixed Account—The General Account of ZALICO to which you may allocate all or a portion of Purchase Payments or Contract Value.

Fixed Annuity—An annuity under which we guarantee the amount of each annuity payment; it does not vary with the investment experience of a Subaccount.

Fund or Funds—AIM Variable Insurance Funds (Invesco Variable Insurance Funds), The Alger Portfolios, American Century Variable Portfolios, Inc., Dreyfus Investment Portfolios, The Dreyfus Sustainable U.S. Equity Portfolio, Inc., Deutsche DWS Variable Series I, Deutsche DWS Variable Series II, Fidelity Variable Insurance Products Funds (which includes Variable Insurance Products Fund and Variable Insurance Products Fund II), Franklin Templeton Variable Insurance Products Trust, JPMorgan Insurance Trust, Janus Aspen Series, Oppenheimer Variable Account Funds, Voya Investors Trust, and Voya Variable Portfolios, Inc.

4

General Account—All our assets other than those allocated to any legally segregated separate account. We guarantee a minimum rate of interest on Purchase Payments allocated to the General Account under the Fixed Account Option.

General Account Contract Value—The value of your interest in the General Account.

Non-Qualified Contract—A Contract which does not receive favorable tax treatment under Section 401, 403, 408, 408A or 457 of the Internal Revenue Code.

Owner (“you”, “your”, “yours”)—The person designated in the Contract as having the privileges of ownership.

Portfolio—A series of a Fund with its own objective and policies, which represents shares of beneficial interest in a separate portfolio of securities and other assets. Portfolio is sometimes referred to as a Fund.

Purchase Payments—The dollar amount we receive in U.S. currency to buy the benefits this Contract provides.

Qualified Contract—A Contract issued in connection with a retirement plan which receives favorable tax treatment under Section 401, 403, 408, 408A or 457 of the Internal Revenue Code.

Separate Account—The ZALICO Variable Annuity Separate Account.

Separate Account Contract Value—The sum of your interests in the Subaccount(s).

Subaccounts—The subdivisions of the Separate Account, the assets of which consist solely of shares of the corresponding Fund or Portfolio of a Fund.

Subaccount Value—The value of your interest in each Subaccount.

Unitholder—The person holding the voting rights with respect to an Accumulation or Annuity Unit.

Valuation Date—Each day when the New York Stock Exchange is open for trading, as well as each day otherwise required.

Valuation Period—The interval of time between two consecutive Valuation Dates.

Variable Annuity—An annuity with payments varying in amount in accordance with the investment experience of the Subaccount(s) in which you have an interest.

Withdrawal Charge—The “contingent deferred sales charge” assessed against certain withdrawals of Accumulation Units in their first six Contribution Years or against certain annuitizations of Accumulation Units in their first six Contribution Years.

Withdrawal Value—Contract Value minus Debt, any premium tax payable, and any Withdrawal Charge.

5

SUMMARY

The summary does not contain all information that may be important. Read the entire Prospectus and the Contract before deciding to invest.

The Contract provides for tax-deferred investments and annuity benefits. Both Qualified Contracts and Non-Qualified Contracts are described in this Prospectus. The Contract is no longer offered for sale, although we continue to accept additional Purchase Payments under the Contract.

The minimum initial Purchase Payment for a Non-Qualified Contract was $2,500 and the minimum subsequent Purchase Payment is $500. The minimum Purchase Payment for a Qualified Contract is $50. However, if annualized contribution amounts from a payroll or salary deduction are equal to or greater than $600, we accept a periodic payment for a Qualified Contract under $50. For a Non-Qualified Contract, a minimum of $100 in Contract Value must be allocated to an investment option before another investment option can be selected. For a Qualified Contract, as long as contribution amounts to a new investment option from a payroll or salary reduction plan are equal to or greater than $50 per month, you may select another such investment option. The maximum Purchase Payment for a Qualified Contract is the maximum permitted under the qualified plan’s terms. You may make Purchase Payments to Non-Qualified Contracts and Contracts issued as Individual Retirement Annuities (“IRAs”) by authorizing us to draw on your account via check or electronic debit (“Pre-Authorized Checking [PAC] Agreement”). (See “The Contracts.”)

We provide for variable accumulations and benefits by crediting Purchase Payments to one or more Subaccounts of the Separate Account selected by you. Each Subaccount invests in a corresponding Fund or Portfolio of one of the Funds. (See “The Funds,” page 54.) The Contract Values allocated to the Separate Account will vary with the investment performance of the Portfolios and Funds you select. Not all Subaccount options are available to all Contract Owners (See “7. Death Benefit.”)

We also provide for fixed accumulations and benefits in the Fixed Account Option of the General Account. Any portion of the Purchase Payment allocated to the Fixed Account Option is credited with interest daily at a rate periodically declared by us at our discretion, but not less than the minimum guaranteed rate. (See “Fixed Account Option.”)

The investment risk under the Contract is borne by you, except to the extent that Contract Values are allocated to the Fixed Account Option and are guaranteed to earn at least the minimum guaranteed rate.

Transfers between Subaccounts are permitted before and after the Annuity Date, if allowed by the qualified plan and subject to limitations. Restrictions apply to transfers out of the Fixed Account Option. (See “Transfers During the Accumulation Period” and “Transfers During the Annuity Period,” respectively.)

No sales charge is deducted from any Purchase Payment. You may withdraw up to 10% of the Contract Value less Debt in any Contract Year without assessment of any charge. If you withdraw an amount in excess of 10% of the Contract Value less Debt in any Contract Year, the amount withdrawn in excess of 10% is subject to a contingent deferred sales charge (“Withdrawal Charge”). The Withdrawal Charge starts at 6% in the first Contribution Year and reduces by 1% each Contribution Year so that there is no charge in the seventh and later Contribution Years. (See “Withdrawal Charge.”) The Withdrawal Charge also applies at the annuitization of Accumulation Units in their sixth Contribution Year or earlier, except as set forth under “Withdrawal Charge.” However, the aggregate Withdrawal Charges assessed against a Contract will never exceed 7.25% of the aggregate Purchase Payments made under the Contract. Withdrawals will have tax consequences, which may include the amount of the withdrawal being subject to income tax and in some circumstances an additional 10% penalty tax. Withdrawals are permitted from Contracts issued in connection with Section 403(b) qualified plans only under limited circumstances. (See “Federal Tax Matters.”)

We charge for mortality and expense risk and administrative expenses, for records maintenance, and for any applicable premium taxes. (See “Asset-Based Charges Against the Separate Account.”) We also charge for optional death benefits (See “Guaranteed Minimum Death Benefit Rider” and “Earnings Based Death Benefit Rider.”). The Funds will incur certain management fees and other expenses. (See “Summary of Expenses”, “Investment Management Fees and Other Expenses” and the Funds’ prospectuses.)

6

The Contracts were previously available to be purchased in connection with retirement plans qualifying either under Section 401 or 403(b) of the Internal Revenue Code (the “Code”) or as individual retirement annuities including Roth IRAs. The Contracts were also available in connection with state and municipal deferred compensation plans and non-qualified deferred compensation plans. A Contract purchased as a Qualified Contract does not provide any additional tax deferred treatment of earnings beyond the treatment that is already provided by the qualified plan itself. (See “Taxation of Annuities in General” and “Qualified Plans.”)

You have the right within the “free look” period (generally ten days, subject to state variation) after receiving the Contract to cancel the Contract by delivering or mailing it to us. If you decide to return your Contact for a refund during the “free look” period, please also include a letter of instruction. Upon receipt by us, the Contract will be cancelled and amounts refunded. The amount of the refund depends on the state where issued; however, generally the refund is at least the Contract Value. (See “The Contracts.”) In addition, a special “free look” period applies in some circumstances to Contracts issued as Individual Retirement Annuities or as Roth IRAs.

7

SUMMARY OF EXPENSES

The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering the Contract. The first table describes the fees and expenses that you will pay at the time that you buy the Contract, surrender the Contract, or transfer cash value between investment options. State premium taxes may also be deducted.

Contract Owner Transaction Expenses
Sales Load Imposed on Purchases (as a percentage of Purchase Payments)		None
Maximum Withdrawal Charge(1) (as a percentage of amount surrendered):		6%
Contribution Year	Withdrawal Charge
First year		6.00%
Second year		5.00%
Third year		4.00%
Fourth year		3.00%
Fifth year		2.00%
Sixth year		1.00%
Seventh year and following		0.00%
Maximum Transfer Fee:		None

⁽¹⁾  Each Contract Year, a Contract Owner may withdraw up to 10% of Contract Value less debt without incurring a Withdrawal Charge. In certain circumstances we may reduce or waive the Withdrawal Charge. (See “Withdrawal Charge.”)

The next table describes the fees and expenses that you will pay periodically during the time that you own the Contract, not including Fund fees and expenses.

Quarterly Records Maintenance Charge	$	7.50	(2)
Separate Account Annual Expenses (as a percentage of average Separate Account Contract Value)
Mortality and Expense Risk Charge:		1.00%
Administration Charge:		0.30%
Total Separate Account Annual Expenses:		1.30%
Optional Benefits:
Guaranteed Minimum Death Benefit Charge		0.15%
Earnings Based Death Benefit Charge		0.20%
Total Separate Account Annual Expenses including Optional Benefit Charges		1.65%

Qualified Plan Loan Interest Rates⁽³⁾

Loans not subject to ERISA	—	5.50%
Loans subject to ERISA	—	Moody’s Corporate Bond Yield Average—Monthly Average Corporates (rounded to nearest 0.25%)

⁽²⁾ The records maintenance charge is reduced to $3.75 for Contracts with Contract Value between $25,000 and $50,000 on the date of assessment. There is no charge for Contracts with Contract Value of $50,000 or more. In certain circumstances we may reduce or waive the quarterly records maintenance charge. (See “Records Maintenance Charge.”)

⁽³⁾ Loans are only available under certain qualified plans. Interest rate depends on whether plan is subject to the Employee Retirement Income Security Act of 1974 (“ERISA”). The value securing the loan will earn interest at the loan interest rate reduced by not more than 2.5%. (See “Loans”.)

8

The next table shows the minimum and maximum total operating expenses charged by the Funds that you may pay periodically during the time that you own the Contract. More detail concerning each Fund’s fees and expenses is contained in the prospectus for each Fund.

	Minimum		—		Maximum
Total Annual Fund Operating Expenses(4) (expenses that are deducted from Fund assets, including management fees, distribution and/or service (12b-1) fees, and other expenses, prior to any fee waivers or expense reimbursements)		0.10%		—		1.43%

⁽⁴⁾ The expenses shown are for the year ended December 31, 2018, and do not reflect any fee waivers or expense reimbursements.

The advisers and/or other service providers of certain Funds have agreed to reduce their fees and/or reimburse the Funds’ expenses in order to keep the Funds’ expenses below specified limits. Other Funds have voluntary fee reduction and/or expense reimbursement arrangements that may be terminated at any time. The minimum and maximum Total Annual Fund Operating Expenses for all Funds after all fee reductions and expense reimbursements if any, are 0.10% and 1.43%, respectively. Each fee reduction and/or expense reimbursement arrangement is described in the relevant Fund’s prospectus.

THE FUND’S INVESTMENT MANAGER OR ADVISER PROVIDED THE ABOVE EXPENSES FOR THE FUNDS. WE HAVE NOT INDEPENDENTLY VERIFIED THE ACCURACY OF THE INFORMATION.

9

EXAMPLE

This Example is intended to help you compare the cost of investing in the Contract with the cost of investing in other variable annuity contracts. These costs include Contract Owner transaction expenses, Contract fees, Separate Account annual expenses, and Fund fees and expenses.

The Example assumes that you invest $10,000 in the Contract for the time periods indicated and that your Contract includes the Guaranteed Minimum Death Benefit and the Earnings Based Death Benefit. If these features were not elected, the expense figures shown below would be lower. The Example also assumes that your investment has a 5% return each year and assumes the maximum fees and expenses of any of the Funds prior to any fee waivers or expense reimbursements. In addition, this Example assumes no transfers were made and no premium taxes were deducted. If these arrangements were considered, the expenses shown would be higher. This Example also does not take into consideration any fee waiver or expense reimbursement arrangements of the Funds. If these arrangements were taken into consideration, the expenses shown would be lower.

Although your actual costs may be higher or lower, based on these assumptions, your costs would be:

(1) If you surrender your Contract at the end of the applicable time period:

1 year	3 years	5 years	10 years
$968	$1,651	$2,341	$4,390

(2) a. If you annuitize your Contract at the end of the applicable time period under Annuity Option 2, 3, 4, or under Annuity Option 1 for a period of 5 years or more⁽⁵⁾:

1 year	3 years	5 years	10 years
$424	$1,282	$2,154	$4,390

b. If you annuitize your Contract at the end of the applicable time period under Annuity Option 1 for a period of less then 5 years:⁽⁵⁾

1 year	3 years	5 years	10 years
$968	$1,651	$2,341	$4,390

(3) If you do not surrender your Contract at the end of the applicable time period:

1 year	3 years	5 years	10 years
$424	$1,282	$2,154	$4,390

⁽⁵⁾  Withdrawal Charges do not apply if the Contract is annuitized under Annuity Option 2, 3, or 4, or under Annuity Option 1 for a period of five years or more.

The fee table and Example should not be considered a representation of past or future expenses and charges of the Subaccounts. Your actual expenses may be greater or less than those shown. The Example does not include the deduction of state premium taxes, which may be assessed before or upon annuitization or any taxes or penalties you may be required to pay if you surrender the Contract. Similarly, the 5% annual rate of return assumed in the Example is not intended to be representative of past or future performance of any Subaccount.

REDEMPTION FEES

A Fund or Portfolio may assess a redemption fee of up to 2% on Subaccount assets that are redeemed out of the Fund or Portfolio in connection with a withdrawal or transfer. Each Fund or Portfolio determines the amount of the redemption fee and when the fee is imposed. The redemption fee will reduce your Contract Value. For more information, see the Fund or Portfolio prospectus.

10

CONDENSED FINANCIAL INFORMATION

The following tables list the Condensed Financial Information (the Accumulation Unit values for Accumulation Units outstanding) for Contracts without optional benefits yielding the lowest Separate Account charges possible under the Contract (1.30%) and Contracts with optional benefits yielding the highest Separate Account charges possible under the Contract (2.05%) as of December 31, 2018. In the table(s) below, no number is shown when there were no Accumulation Units outstanding at the end of the period. A zero (0) is shown when there were fewer than 1,000 Accumulation Units outstanding at the end of the period. Should the Separate Account charges applicable to your Contract fall between the maximum and minimum charges, and you wish to see a copy of the Condensed Financial Information applicable to your Contract, such information can be obtained in the Statement of Additional Information free of charge.

No Additional Contract Options Elected

(Separate Account Charges of 1.30% of the Daily Net Assets of the Separate Account)

Flexible Payment Contracts

Tax Qualified (1.00%)

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Alger Large Cap Growth Subaccount
Accumulation unit value at beginning of period*	$	114.945	$	90.368	$	92.031	$	91.383	$	83.160	$	62.179	$	57.163	$	57.935	$	51.606	$	35.319
Accumulation unit value at end of period	$	116.312	$	114.945	$	90.368	$	92.031	$	91.383	$	83.160	$	62.179	$	57.163	$	57.935	$	51.606
Number of accumulation units outstanding at end of period (000’s omitted)		4		4		4		4		4		—		—		—		—		—
Alger MidCap Growth Subaccount
Accumulation unit value at beginning of period*	$	68.898	$	53.613	$	53.625	$	55.022	$	51.451	$	38.254	$	33.249	$	36.610	$	30.973	$	20.620
Accumulation unit value at end of period	$	63.133	$	68.898	$	53.613	$	53.625	$	55.022	$	51.451	$	38.254	$	33.249	$	36.610	$	30.973
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		1		1		2		2		3
Alger Small Cap Growth Subaccount
Accumulation unit value at beginning of period*	$	102.297	$	80.258	$	76.298	$	79.706	$	80.153	$	60.296	$	54.134	$	56.472	$	45.522	$	31.598
Accumulation unit value at end of period	$	102.733	$	102.297	$	80.258	$	76.298	$	79.706	$	80.153	$	60.296	$	54.134	$	56.472	$	45.522
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		—		—		—		—		—
American Century VP Income & Growth Subaccount
Accumulation unit value at beginning of period*	$	16.155	$	13.542	$	12.052	$	12.897	$	11.578	$	8.610	$	7.579	$	7.423	$	6.568	$	5.617
Accumulation unit value at end of period	$	14.896	$	16.155	$	13.542	$	12.052	$	12.897	$	11.578	$	8.610	$	7.579	$	7.423	$	6.568
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		2		2		2		1		1		2		2
American Century VP Value Subaccount
Accumulation unit value at beginning of period*	$	21.682	$	20.137	$	16.881	$	17.738	$	15.843	$	12.148	$	10.709	$	10.707	$	9.534	$	8.034
Accumulation unit value at end of period	$	19.502	$	21.682	$	20.137	$	16.881	$	17.738	$	15.843	$	12.148	$	10.709	$	10.707	$	9.534
Number of accumulation units outstanding at end of period (000’s omitted)		3		3		3		3		3		3		3		4		4		4
DWS Bond VIP Subaccount (formerly Deutsche Bond VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	10.827	$	10.332	$	9.851	$	9.979	$	9.452	$	9.845	$	9.226	$	8.817	$	8.339	$	7.652
Accumulation unit value at end of period	$	10.435	$	10.827	$	10.332	$	9.851	$	9.979	$	9.452	$	9.845	$	9.226	$	8.817	$	8.339
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

11

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
DWS Capital Growth VIP Subaccount (formerly Deutsche Capital Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	54.342	$	43.455	$	42.101	$	39.148	$	35.000	$	26.254	$	22.849	$	24.158	$	20.906	$	16.643
Accumulation unit value at end of period	$	52.942	$	54.342	$	43.455	$	42.101	$	39.148	$	35.000	$	26.254	$	22.849	$	24.158	$	20.906
Number of accumulation units outstanding at end of period (000’s omitted)		2		—		—		—		—		—		—		—		—		—
DWS Core Equity VIP Subaccount (formerly Deutsche Core Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	26.990	$	22.525	$	20.591	$	19.760	$	17.847	$	13.126	$	11.447	$	11.578	$	10.223	$	7.697
Accumulation unit value at end of period	$	25.202	$	26.990	$	22.525	$	20.591	$	19.760	$	17.847	$	13.126	$	11.447	$	11.578	$	10.223
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS CROCI® International VIP Subaccount (formerly Deutsche CROCI® International VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	16.210	$	13.424	$	13.458	$	14.381	$	16.462	$	13.829	$	11.577	$	14.032	$	13.946	$	10.550
Accumulation unit value at end of period	$	13.739	$	16.210	$	13.424	$	13.458	$	14.381	$	16.462	$	13.829	$	11.577	$	14.032	$	13.946
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS CROCI® U.S. VIP Subaccount (formerly Deutsche CROCI® U.S. VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	3.967	$	3.260	$	3.444	$	3.735	$	3.407	$	2.629	$	2.419	$	2.444	$	2.229	$	1.796
Accumulation unit value at end of period	$	3.515	$	3.967	$	3.260	$	3.444	$	3.735	$	3.407	$	2.629	$	2.419	$	2.444	$	2.229
Number of accumulation units outstanding at end of period (000’s omitted)		1		2		2		2		4		8		10		20		21		21
DWS Global Equity VIP Subaccount (formerly Deutsche Global Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	3.587	$	2.920	$	2.779	$	2.857	$	2.853	$	2.415	$	2.079	$	2.388	$	2.174	$	1.698
Accumulation unit value at end of period	$	3.156	$	3.587	$	2.920	$	2.779	$	2.857	$	2.853	$	2.415	$	2.079	$	2.388	$	2.174
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		2		3		3		3		4		5		11
DWS Global Income Builder VIP Subaccount (formerly Deutsche Global Income Builder VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	13.691	$	11.865	$	11.219	$	11.497	$	11.184	$	9.685	$	8.659	$	8.871	$	8.056	$	6.592
Accumulation unit value at end of period	$	12.516	$	13.691	$	11.865	$	11.219	$	11.497	$	11.184	$	9.685	$	8.659	$	8.871	$	8.056
Number of accumulation units outstanding at end of period (000’s omitted)		23		65		85		95		110		127		150		175		182		197
DWS Government & Agency Securities VIP Subaccount (formerly Deutsche Government & Agency Securities VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	3.310	$	3.288	$	3.283	$	3.316	$	3.181	$	3.314	$	3.252	$	3.056	$	2.895	$	2.706
Accumulation unit value at end of period	$	3.295	$	3.310	$	3.288	$	3.283	$	3.316	$	3.181	$	3.314	$	3.252	$	3.056	$	2.895
Number of accumulation units outstanding at end of period (000’s omitted)		10		15		15		17		15		20		21		21		23		23

12

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
DWS Government Money Market VIP Subaccount (formerly Deutsche Government Money Market VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	2.870	$	2.886	$	2.913	$	2.942	$	2.971	$	3.000	$	3.030	$	3.060	$	3.090	$	3.111
Accumulation unit value at end of period	$	2.881	$	2.870	$	2.886	$	2.913	$	2.942	$	2.971	$	3.000	$	3.030	$	3.060	$	3.090
Number of accumulation units outstanding at end of period (000’s omitted)		10		15		10		15		25		20		30		45		111		101
DWS High Income VIP Subaccount (formerly Deutsche High Income VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	15.021	$	14.112	$	12.628	$	13.346	$	13.283	$	12.433	$	10.928	$	10.629	$	9.417	$	6.794
Accumulation unit value at end of period	$	14.498	$	15.021	$	14.112	$	12.628	$	13.346	$	13.283	$	12.433	$	10.928	$	10.629	$	9.417
Number of accumulation units outstanding at end of period (000’s omitted)		6		17		18		20		23		26		30		36		48		48
DWS Small Mid Cap Growth VIP Subaccount (formerly Deutsche Small Mid Cap Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	4.396	$	3.636	$	3.367	$	3.431	$	3.278	$	2.319	$	2.048	$	2.153	$	1.680	$	1.207
Accumulation unit value at end of period	$	3.761	$	4.396	$	3.636	$	3.367	$	3.431	$	3.278	$	2.319	$	2.048	$	2.153	$	1.680
Number of accumulation units outstanding at end of period (000’s omitted)		4		4		9		9		9		9		10		10		11		11
DWS Small Mid Cap Value VIP Subaccount (formerly Deutsche Small Mid Cap Value VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	5.169	$	4.724	$	4.082	$	4.203	$	4.023	$	3.004	$	2.667	$	2.868	$	2.354	$	1.833
Accumulation unit value at end of period	$	4.298	$	5.169	$	4.724	$	4.082	$	4.203	$	4.023	$	3.004	$	2.667	$	2.868	$	2.354
Number of accumulation units outstanding at end of period (000’s omitted)		5		1		4		4		8		16		20		35		40		40
Dreyfus MidCap Stock Subaccount
Accumulation unit value at beginning of period*	$	35.541	$	31.203	$	27.356	$	28.342	$	25.613	$	19.205	$	16.254	$	16.384	$	13.035	$	9.729
Accumulation unit value at end of period	$	29.668	$	35.541	$	31.203	$	27.356	$	28.342	$	25.613	$	19.205	$	16.254	$	16.384	$	13.035
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		1		1		1		1		—		—
Dreyfus Sustainable U.S Equity Portfolio
Accumulation unit value at beginning of period*	$	57.321	$	50.196	$	45.932	$	47.922	$	42.662	$	32.073	$	28.930	$	28.958	$	25.473	$	19.235
Accumulation unit value at end of period	$	54.253	$	57.321	$	50.196	$	45.932	$	47.922	$	42.662	$	32.073	$	28.930	$	28.958	$	25.473
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Asset Manager Subaccount
Accumulation unit value at beginning of period*	$	47.209	$	41.786	$	40.946	$	41.297	$	39.411	$	34.401	$	30.890	$	32.019	$	28.301	$	22.139
Accumulation unit value at end of period	$	44.239	$	47.209	$	41.786	$	40.946	$	41.297	$	39.411	$	34.401	$	30.890	$	32.019	$	28.301
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

13

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Fidelity VIP Contrafund® Subaccount
Accumulation unit value at beginning of period*	$	91.559	$	75.873	$	70.950	$	71.182	$	64.223	$	49.407	$	42.865	$	44.415	$	38.270	$	28.482
Accumulation unit value at end of period	$	84.867	$	91.559	$	75.873	$	70.950	$	71.182	$	64.223	$	49.407	$	42.865	$	44.415	$	38.270
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		3		2		3		3		4		4		5		4
Fidelity VIP Equity Income Subaccount
Accumulation unit value at beginning of period*	$	75.204	$	67.279	$	57.576	$	60.552	$	56.253	$	44.336	$	38.173	$	38.183	$	33.491	$	25.978
Accumulation unit value at end of period	$	68.281	$	75.204	$	67.279	$	57.576	$	60.552	$	56.253	$	44.336	$	38.173	$	38.183	$	33.491
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		2		2		2		2		2		2
Fidelity VIP Growth Subaccount
Accumulation unit value at beginning of period*	$	128.587	$	96.104	$	96.291	$	90.743	$	82.347	$	61.004	$	53.724	$	54.150	$	44.044	$	34.676
Accumulation unit value at end of period	$	127.092	$	128.587	$	96.104	$	96.291	$	90.743	$	82.347	$	61.004	$	53.724	$	54.150	$	44.044
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		1		1		1		1		1
Fidelity VIP Index 500 Subaccount
Accumulation unit value at beginning of period*	$	373.330	$	309.787	$	279.705	$	278.782	$	247.924	$	189.349	$	164.989	$	163.306	$	143.395	$	114.393
Accumulation unit value at end of period	$	353.012	$	373.330	$	309.787	$	279.705	$	278.782	$	247.924	$	189.349	$	164.989	$	163.306	$	143.395
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		1		1		1		1		1
Franklin Mutual Global Discovery VIP Subaccount
Accumulation unit value at beginning of period*	$	35.094	$	32.638	$	29.386	$	30.804	$	29.431	$	23.293	$	20.754	$	21.601	$	19.486	$	15.960
Accumulation unit value at end of period	$	30.847	$	35.094	$	32.638	$	29.386	$	30.804	$	29.431	$	23.293	$	20.754	$	21.601	$	19.486
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		1		1		3		4		4
Franklin Mutual Shares VIP Subaccount
Accumulation unit value at beginning of period*	$	26.112	$	24.340	$	21.182	$	22.504	$	21.218	$	16.708	$	14.772	$	15.076	$	13.694	$	10.973
Accumulation unit value at end of period	$	23.508	$	26.112	$	24.340	$	21.182	$	22.504	$	21.218	$	16.708	$	14.772	$	15.076	$	13.694
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Rising Dividends VIP Subaccount
Accumulation unit value at beginning of period*	$	32.339	$	27.092	$	23.579	$	24.717	$	22.961	$	17.882	$	16.131	$	15.370	$	12.867	$	11.075
Accumulation unit value at end of period	$	30.392	$	32.339	$	27.092	$	23.579	$	24.717	$	22.961	$	17.882	$	16.131	$	15.370	$	12.867
Number of accumulation units outstanding at end of period (000’s omitted)		2		2		2		1		1		1		—		1		1		1
Franklin Small Cap Value VIP Subaccount
Accumulation unit value at beginning of period*	$	40.932	$	37.360	$	28.984	$	31.608	$	31.743	$	23.532	$	20.077	$	21.069	$	16.596	$	12.978
Accumulation unit value at end of period	$	35.306	$	40.932	$	37.360	$	28.984	$	31.608	$	31.743	$	23.532	$	20.077	$	21.069	$	16.596
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		1		1		1		1		2		2		2

14

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Franklin Strategic Income VIP Subaccount
Accumulation unit value at beginning of period*	$	19.839	$	19.163	$	17.930	$	18.839	$	18.679	$	18.261	$	16.358	$	16.106	$	14.666	$	11.780
Accumulation unit value at end of period	$	19.222	$	19.839	$	19.163	$	17.930	$	18.839	$	18.679	$	18.261	$	16.358	$	16.106	$	14.666
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		2		2		1		1		—		1		1
Franklin U.S. Government Securities VIP Subaccount
Accumulation unit value at beginning of period*	$	13.342	$	13.297	$	13.341	$	13.411	$	13.102	$	13.536	$	13.418	$	12.824	$	12.302	$	12.052
Accumulation unit value at end of period	$	13.254	$	13.342	$	13.297	$	13.341	$	13.411	$	13.102	$	13.536	$	13.418	$	12.824	$	12.302
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Templeton Developing Markets VIP Subaccount
Accumulation unit value at beginning of period*	$	36.409	$	26.189	$	22.522	$	28.294	$	31.194	$	31.800	$	28.383	$	34.068	$	29.262	$	17.124
Accumulation unit value at end of period	$	30.353	$	36.409	$	26.189	$	22.522	$	28.294	$	31.194	$	31.800	$	28.383	$	34.068	$	29.262
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		1		1		1		1		2		3		3		3
Invesco V.I. Diversified Dividend Subaccount
Accumulation unit value at beginning of period*	$	13.853	$	12.887	$	11.336	$	11.218	$	10.042	$	7.740	$	6.584$		N/A		N/A		N/A
Accumulation unit value at end of period	$	12.677	$	13.853	$	12.887	$	11.336	$	11.218	$	10.042	$	7.740	$	6.584		N/A		N/A
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		1		1		6		N/A		N/A
Invesco V.I. Health Care Fund
Accumulation unit value at beginning of period*	$	30.352	$	26.466	$	30.190	$	29.557	$	24.946	$	17.927	$	14.977	$	14.552	$	13.958	$	11.042
Accumulation unit value at end of period	$	30.322	$	30.352	$	26.466	$	30.190	$	29.557	$	24.946	$	17.927	$	14.977	$	14.552	$	13.958
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Global Real Estate Subaccount
Accumulation unit value at beginning of period*	$	32.880	$	29.374	$	29.074	$	29.806	$	26.264	$	25.826	$	20.360	$	21.995	$	18.904	$	14.516
Accumulation unit value at end of period	$	30.550	$	32.880	$	29.374	$	29.074	$	29.806	$	26.264	$	25.826	$	20.360	$	21.995	$	18.904
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Managed Volatility Subaccount
Accumulation unit value at beginning of period*	$	35.533	$	32.460	$	29.638	$	30.592	$	25.627	$	23.369	$	22.782	$	19.759	$	18.774	$	16.499
Accumulation unit value at end of period	$	31.309	$	35.533	$	32.460	$	29.638	$	30.592	$	25.627	$	23.369	$	22.782	$	19.759	$	18.774
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Balanced Subaccount
Accumulation unit value at beginning of period*	$	78.012	$	66.529	$	64.236	$	64.478	$	60.016	$	50.448	$	44.846	$	44.563	$	41.526	$	33.317
Accumulation unit value at end of period	$	77.762	$	78.012	$	66.529	$	64.236	$	64.478	$	60.016	$	50.448	$	44.846	$	44.563	$	41.526
Number of accumulation units outstanding at end of period (000’s omitted)		2		2		2		3		3		3		4		4		6		6

15

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Janus Henderson Enterprise Subaccount
Accumulation unit value at beginning of period*	$	100.720	$	79.833	$	71.759	$	69.669	$	62.534	$	47.711	$	41.086	$	42.093	$	33.782	$	23.559
Accumulation unit value at end of period	$	99.303	$	100.720	$	79.833	$	71.759	$	69.669	$	62.534	$	47.711	$	41.086	$	42.093	$	33.782
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		1		1		1		1		3
Janus Henderson Global Research Subaccount
Accumulation unit value at beginning of period*	$	57.068	$	45.373	$	44.899	$	46.409	$	43.625	$	34.309	$	28.858	$	33.789	$	29.461	$	21.609
Accumulation unit value at end of period	$	52.620	$	57.068	$	45.373	$	44.899	$	46.409	$	43.625	$	34.309	$	28.858	$	33.789	$	29.461
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		2		2		2		2		2
Janus Henderson Mid Cap Value Subaccount
Accumulation unit value at beginning of period*	$	39.304	$	34.934	$	29.709	$	31.155	$	29.018	$	23.296	$	21.237	$	22.108	$	19.356	$	14.707
Accumulation unit value at end of period	$	33.535	$	39.304	$	34.934	$	29.709	$	31.155	$	29.018	$	23.296	$	21.237	$	22.108	$	19.356
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Research Subaccount
Accumulation unit value at beginning of period*	$	57.147	$	45.133	$	45.356	$	43.485	$	38.869	$	30.120	$	25.654	$	27.360	$	24.130	$	17.874
Accumulation unit value at end of period	$	55.120	$	57.147	$	45.133	$	45.356	$	43.485	$	38.869	$	30.120	$	25.654	$	27.360	$	24.130
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		0		0		1		1		1		2		2
JPMorgan Insurance Trust MidCap Value Subaccount
Accumulation unit value at beginning of period*	$	31.879	$	28.302	$	24.922	$	25.858	$	22.688	$	17.320	$	14.533	$	14.367	$	11.754	$	9.282
Accumulation unit value at end of period	$	27.826	$	31.879	$	28.302	$	24.922	$	25.858	$	22.688	$	17.320	$	14.533	$	14.367	$	11.754
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust Small Cap Core Subaccount
Accumulation unit value at beginning of period*	$	43.540	$	38.163	$	32.062	$	34.188	$	31.507	$	22.363	$	18.866	$	20.009	$	15.897		N/A
Accumulation unit value at end of period	$	37.964	$	43.540	$	38.163	$	32.062	$	34.188	$	31.507	$	22.363	$	18.866	$	20.009	$	15.897
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust US Equity Subaccount
Accumulation unit value at beginning of period*	$	30.304	$	25.019	$	22.777	$	22.808	$	20.224	$	14.995	$	12.874	$	13.250	$	11.783	$	8.902
Accumulation unit value at end of period	$	28.152	$	30.304	$	25.019	$	22.777	$	22.808	$	20.224	$	14.995	$	12.874	$	13.250	$	11.783
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Capital Appreciation Subaccount
Accumulation unit value at beginning of period*	$	26.836	$	21.425	$	22.178	$	21.691	$	19.029	$	14.849	$	13.179	$	13.496	$	12.489	$	8.750
Accumulation unit value at end of period	$	24.987	$	26.836	$	21.425	$	22.178	$	21.691	$	19.029	$	14.849	$	13.179	$	13.496	$	12.489
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		0		1

16

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Oppenheimer Discovery Mid Cap Subaccount
Accumulation unit value at beginning of period*	$	30.462	$	23.951	$	23.697	$	22.506	$	21.541	$	16.041		N/A		N/A		N/A		N/A
Accumulation unit value at end of period	$	28.258	$	30.462	$	23.951	$	23.697	$	22.506	$	21.541	$	16.041		N/A		N/A		N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		N/A		N/A		N/A
Oppenheimer Global Strategic Income Subaccount
Accumulation unit value at beginning of period*	$	18.285	$	17.416	$	16.553	$	17.146	$	16.896	$	17.128	$	15.289	$	15.342	$	13.501	$	11.516
Accumulation unit value at end of period	$	17.281	$	18.285	$	17.416	$	16.553	$	17.146	$	16.896	$	17.128	$	15.289	$	15.342	$	13.501
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Global Subaccount
Accumulation unit value at beginning of period*	$	40.552	$	30.044	$	30.392	$	29.608	$	29.302	$	23.304	$	19.461	$	21.487	$	18.757	$	13.594
Accumulation unit value at end of period	$	34.771	$	40.552	$	30.044	$	30.392	$	29.608	$	29.302	$	23.304	$	19.461	$	21.487	$	18.757
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		1		1		1		1		1
Oppenheimer Main Street Subaccount
Accumulation unit value at beginning of period*	$	29.907	$	25.897	$	23.500	$	23.020	$	21.060	$	16.183	$	14.017	$	14.201	$	12.383	$	9.772
Accumulation unit value at end of period	$	27.211	$	29.907	$	25.897	$	23.500	$	23.020	$	21.060	$	16.183	$	14.017	$	14.201	$	12.383
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Main Street Small Cap Subaccount
Accumulation unit value at beginning of period*	$	41.929	$	37.176	$	31.908	$	34.319	$	31.044	$	22.296	$	19.138	$	19.801	$	16.252	$	11.992
Accumulation unit value at end of period	$	37.137	$	41.929	$	37.176	$	31.908	$	34.319	$	31.044	$	22.296	$	19.138	$	19.801	$	16.252
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Voya Global Equity Subaccount
Accumulation unit value at beginning of period*	$	13.575	$	11.107	$	10.606	$	11.335		N/A		N/A		N/A		N/A		N/A		N/A
Accumulation unit value at end of period	$	12.215	$	13.575	$	11.107	$	10.606		N/A		N/A		N/A		N/A		N/A		N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		N/A		N/A		N/A		N/A		N/A		N/A
VY JPMorgan Emerging Markets Equity
Accumulation unit value at beginning of period*	$	31.937	$	22.500	$	20.064	$	23.999	$	23.970	$	25.616	$	21.682	$	26.722	$	22.373	$	13.136
Accumulation unit value at end of period	$	26.375	$	31.937	$	22.500	$	20.064	$	23.999	$	23.970	$	25.616	$	21.682	$	26.722	$	22.373
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		1		1		1		1		1

17

No Additional Contract Options Elected

(Separate Account Charges of 1.30% of the Daily Net Assets of the Separate Account)

Qualified Payment Contracts

Tax Qualified (1.30%)

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Alger Large Cap Growth Subaccount
Accumulation unit value at beginning of period*	$	108.752	$	85.752	$	87.590	$	87.231	$	79.618	$	59.707	$	55.054	$	55.963	$	49.997	$	34.320
Accumulation unit value at end of period	$	109.718	$	108.752	$	85.752	$	87.590	$	87.231	$	79.618	$	59.707	$	55.054	$	55.963	$	49.997
Number of accumulation units outstanding at end of period (000’s omitted)		77		78		87		104		112		120		133		158		175		200
Alger MidCap Growth Subaccount
Accumulation unit value at beginning of period*	$	65.511	$	51.129	$	51.292	$	52.785	$	49.505	$	36.917	$	32.182	$	35.540	$	30.157	$	20.137
Accumulation unit value at end of period	$	59.851	$	65.511	$	51.129	$	51.292	$	52.785	$	49.505	$	36.917	$	32.182	$	35.540	$	30.157
Number of accumulation units outstanding at end of period (000’s omitted)		113		124		127		146		165		182		197		250		293		337
Alger Small Cap Growth Subaccount
Accumulation unit value at beginning of period*	$	96.785	$	76.158	$	72.615	$	76.084	$	76.738	$	57.899	$	52.136	$	54.549	$	44.102	$	30.703
Accumulation unit value at end of period	$	96.907	$	96.785	$	76.158	$	72.615	$	76.084	$	76.738	$	57.899	$	52.136	$	54.549	$	44.102
Number of accumulation units outstanding at end of period (000’s omitted)		54		52		60		72		78		86		105		122		125		148
American Century VP Income & Growth Subaccount
Accumulation unit value at beginning of period*	$	15.285	$	12.850	$	11.470	$	12.311	$	11.085	$	8.268	$	7.299	$	7.171	$	6.364	$	5.459
Accumulation unit value at end of period	$	14.051	$	15.285	$	12.850	$	11.470	$	12.311	$	11.085	$	8.268	$	7.299	$	7.171	$	6.364
Number of accumulation units outstanding at end of period (000’s omitted)		528		567		632		654		688		758		829		961		1,129		1,359
American Century VP Value Subaccount
Accumulation unit value at beginning of period*	$	20.514	$	19.109	$	16.066	$	16.933	$	15.169	$	11.665	$	10.314	$	10.342	$	9.237	$	7.806
Accumulation unit value at end of period	$	18.396	$	20.514	$	19.109	$	16.066	$	16.933	$	15.169	$	11.665	$	10.314	$	10.342	$	9.237
Number of accumulation units outstanding at end of period (000’s omitted)		474		552		628		697		745		806		916		1,598		1,635		1,467
DWS Bond VIP Subaccount (formerly Deutsche Bond VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	10.244	$	9.805	$	9.376	$	9.526	$	9.050	$	9.454	$	8.886	$	8.517	$	8.079	$	7.436
Accumulation unit value at end of period	$	9.843	$	10.244	$	9.805	$	9.376	$	9.526	$	9.050	$	9.454	$	8.886	$	8.517	$	8.079
Number of accumulation units outstanding at end of period (000’s omitted)		540		658		748		813		916		1,022		1,307		670		801		939
DWS Capital Growth VIP Subaccount (formerly Deutsche Capital Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	51.415	$	41.236	$	40.070	$	37.370	$	33.509	$	25.210	$	22.006	$	23.335	$	20.254	$	16.172
Accumulation unit value at end of period	$	49.941	$	51.415	$	41.236	$	40.070	$	37.370	$	33.509	$	25.210	$	22.006	$	23.335	$	20.254
Number of accumulation units outstanding at end of period (000’s omitted)		1,052		1,159		1,311		1,449		1,610		1,776		1,981		2,263		2,454		2,735

18

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
DWS Core Equity VIP Subaccount (formerly Deutsche Core Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	25.994	$	21.758	$	19.949	$	19.201	$	17.394	$	12.831	$	11.223	$	11.385	$	10.082	$	7.613
Accumulation unit value at end of period	$	24.200	$	25.994	$	21.758	$	19.949	$	19.201	$	17.394	$	12.831	$	11.223	$	11.385	$	10.082
Number of accumulation units outstanding at end of period (000’s omitted)		122		126		138		159		180		201		219		245		286		332
DWS CROCI® International VIP Subaccount (formerly Deutsche CROCI® International VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	15.337	$	12.738	$	12.809	$	13.728	$	15.760	$	13.279	$	11.150	$	13.555	$	13.512	$	10.251
Accumulation unit value at end of period	$	12.960	$	15.337	$	12.738	$	12.809	$	13.728	$	15.760	$	13.279	$	11.150	$	13.555	$	13.512
Number of accumulation units outstanding at end of period (000’s omitted)		98		110		126		128		140		142		167		186		218		276
DWS CROCI® U.S. VIP Subaccount (formerly Deutsche CROCI® U.S. VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	3.720	$	3.066	$	3.248	$	3.534	$	3.233	$	2.502	$	2.309	$	2.340	$	2.140	$	1.729
Accumulation unit value at end of period	$	3.286	$	3.720	$	3.066	$	3.248	$	3.534	$	3.233	$	2.502	$	2.309	$	2.340	$	2.140
Number of accumulation units outstanding at end of period (000’s omitted)		2,547		2,882		3,388		3,904		4,370		4,906		5,588		6,675		6,476		8,245
DWS Global Equity VIP Subaccount (formerly Deutsche Global Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	3.321	$	2.712	$	2.589	$	2.669	$	2.673	$	2.270	$	1.959	$	2.257	$	2.061	$	1.614
Accumulation unit value at end of period	$	2.913	$	3.321	$	2.712	$	2.589	$	2.669	$	2.673	$	2.270	$	1.959	$	2.257	$	2.061
Number of accumulation units outstanding at end of period (000’s omitted)		3,342		3,685		4,180		4,706		5,382		5,859		6,560		7,400		9,262		9,262
DWS Global Income Builder VIP Subaccount (formerly Deutsche Global Income Builder VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	12.314	$	10.704	$	10.151	$	10.433	$	10.179	$	8.841	$	7.386	$	8.147	$	7.420	$	6.089
Accumulation unit value at end of period	$	11.224	$	12.314	$	10.704	$	10.151	$	10.433	$	10.179	$	8.841	$	7.386	$	8.147	$	7.420
Number of accumulation units outstanding at end of period (000’s omitted)		5,339		5,982		6,676		7,414		8,290		9,350		10,613		12,075		12,400		14,460
DWS Government & Agency Securities VIP Subaccount (formerly Deutsche Government & Agency Securities VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	3.044	$	3.033	$	3.038	$	3.078	$	2.961	$	3.094	$	3.045	$	2.870	$	2.727	$	2.556
Accumulation unit value at end of period	$	3.022	$	3.044	$	3.033	$	3.038	$	3.078	$	2.961	$	3.094	$	3.045	$	2.870	$	2.727
Number of accumulation units outstanding at end of period (000’s omitted)		1,767		2,130		2,504		3,438		3,301		3,864		4,877		5,250		6,270		6,772

19

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
DWS Government Money Market VIP Subaccount (formerly Deutsche Government Money Market VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	2.581	$	2.603	$	2.635	$	2.669	$	2.704	$	2.739	$	2.774	$	2.810	$	2.846	$	2.874
Accumulation unit value at end of period	$	2.584	$	2.581	$	2.603	$	2.635	$	2.669	$	2.704	$	2.739	$	2.774	$	2.810	$	2.846
Number of accumulation units outstanding at end of period (000’s omitted)		4,192		4,010		4,530		5,177		6,375		4,285		4,812		5,962		7,257		7,900
DWS High Income VIP Subaccount (formerly Deutsche High Income VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	13.511	$	12.731	$	11.426	$	12.112	$	12.091	$	11.350	$	9.747	$	9.761	$	8.674	$	6.277
Accumulation unit value at end of period	$	13.002	$	13.511	$	12.731	$	11.426	$	12.112	$	12.091	$	11.350	$	9.747	$	9.761	$	8.674
Number of accumulation units outstanding at end of period (000’s omitted)		1,370		1,555		1,857		1,979		2,200		2,506		2,881		3,170		3,420		3,840
DWS Small Mid Cap Growth VIP Subaccount (formerly Deutsche Small Mid Cap Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	4.098	$	3.399	$	3.157	$	3.227	$	3.093	$	2.194	$	1.944	$	2.049	$	1.603	$	1.155
Accumulation unit value at end of period	$	3.495	$	4.098	$	3.399	$	3.157	$	3.227	$	3.093	$	2.194	$	1.944	$	2.049	$	1.603
Number of accumulation units outstanding at end of period (000’s omitted)		4,518		4,881		5,427		6,033		6,555		7,375		8,070		8,921		9,869		10,865
DWS Small Mid Cap Value VIP Subaccount (formerly Deutsche Small Mid Cap Value VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	4.848	$	4.443	$	3.850	$	3.976	$	3.817	$	2.859	$	2.546	$	2.746	$	2.260	$	1.765
Accumulation unit value at end of period	$	4.019	$	4.848	$	4.443	$	3.850	$	3.976	$	3.817	$	2.859	$	2.546	$	2.746	$	2.260
Number of accumulation units outstanding at end of period (000’s omitted)		3,834		4,224		4,948		5,651		6,290		7,319		8,229		9,577		11,076		12,500
Dreyfus MidCap Stock Subaccount
Accumulation unit value at beginning of period*	$	34.028	$	29.963	$	26.346	$	27.378	$	24.815	$	18.662	$	15.842	$	16.015	$	12.780	$	9.566
Accumulation unit value at end of period	$	28.321	$	34.028	$	29.963	$	26.346	$	27.378	$	24.815	$	18.662	$	15.842	$	16.015	$	12.780
Number of accumulation units outstanding at end of period (000’s omitted)		110		120		120		121		120		108		60		72		80		85
Dreyfus Sustainable U.S Equity Portfolio
Accumulation unit value at beginning of period*	$	54.233	$	47.632	$	43.715	$	45.745	$	40.845	$	30.798	$	27.863	$	27.972	$	24.679	$	18.691
Accumulation unit value at end of period	$	51.177	$	54.233	$	47.632	$	43.715	$	45.745	$	40.845	$	30.798	$	27.863	$	27.972	$	24.679
Number of accumulation units outstanding at end of period (000’s omitted)		40		42		49		55		65		71		74		74		75		90
Fidelity VIP Asset Manager Subaccount
Accumulation unit value at beginning of period*	$	44.271	$	39.301	$	38.625	$	39.071	$	37.398	$	32.741	$	29.487	$	30.655	$	27.177	$	21.322
Accumulation unit value at end of period	$	41.361	$	44.271	$	39.301	$	38.625	$	39.071	$	37.398	$	32.741	$	29.487	$	30.655	$	27.177
Number of accumulation units outstanding at end of period (000’s omitted)		63		76		81		94		99		109		125		135		160		189

20

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Fidelity VIP Contrafund® Subaccount
Accumulation unit value at beginning of period*	$	85.859	$	71.361	$	66.928	$	67.346	$	60.943	$	47.023	$	40.918	$	42.523	$	36.748	$	27.431
Accumulation unit value at end of period	$	79.347	$	85.859	$	71.361	$	66.928	$	67.346	$	60.943	$	47.023	$	40.918	$	42.523	$	36.748
Number of accumulation units outstanding at end of period (000’s omitted)		672		741		811		881		1,008		1,107		1,200		1,352		1,546		1,800
Fidelity VIP Equity Income Subaccount
Accumulation unit value at beginning of period*	$	70.521	$	63.277	$	54.311	$	57.288	$	53.379	$	42.196	$	36.439	$	36.556	$	32.159	$	25.020
Accumulation unit value at end of period	$	63.839	$	70.521	$	63.277	$	54.311	$	57.288	$	53.379	$	42.196	$	36.439	$	36.556	$	32.159
Number of accumulation units outstanding at end of period (000’s omitted)		246		285		322		364		404		454		497		580		670		780
Fidelity VIP Growth Subaccount
Accumulation unit value at beginning of period*	$	120.570	$	90.379	$	90.823	$	85.845	$	78.133	$	58.054	$	51.278	$	51.838	$	42.289	$	33.393
Accumulation unit value at end of period	$	118.813	$	120.570	$	90.379	$	90.823	$	85.845	$	78.133	$	58.054	$	51.278	$	51.838	$	42.289
Number of accumulation units outstanding at end of period (000’s omitted)		206		218		240		268		294		317		350		404		451		561
Fidelity VIP Index 500 Subaccount
Accumulation unit value at beginning of period*	$	350.089	$	291.363	$	263.848	$	263.759	$	235.261	$	180.212	$	157.494	$	156.349	$	137.695	$	110.172
Accumulation unit value at end of period	$	330.050	$	350.089	$	291.363	$	263.848	$	263.759	$	235.261	$	180.212	$	157.494	$	156.349	$	137.695
Number of accumulation units outstanding at end of period (000’s omitted)		175		198		215		228		255		274		322		326		364		420
Franklin Mutual Global Discovery VIP Subaccount
Accumulation unit value at beginning of period*	$	33.600	$	31.341	$	28.301	$	29.756	$	28.514	$	22.634	$	20.227	$	21.115	$	19.105	$	15.694
Accumulation unit value at end of period	$	29.446	$	33.600	$	31.341	$	28.301	$	29.756	$	28.514	$	22.634	$	20.227	$	21.115	$	19.105
Number of accumulation units outstanding at end of period (000’s omitted)		402		456		505		563		614		667		730		813		911		1,007
Franklin Mutual Shares VIP Subaccount
Accumulation unit value at beginning of period*	$	25.000	$	23.373	$	20.400	$	21.739	$	20.557	$	16.236	$	14.397	$	14.737	$	13.425	$	10.790
Accumulation unit value at end of period	$	22.440	$	25.000	$	23.373	$	20.400	$	21.739	$	20.557	$	16.236	$	14.397	$	14.737	$	13.425
Number of accumulation units outstanding at end of period (000’s omitted)		127		136		160		174		192		225		261		309		333		378
Franklin Rising Dividends VIP Subaccount
Accumulation unit value at beginning of period*	$	30.963	$	26.015	$	22.710	$	23.876	$	22.246	$	17.376	$	15.722	$	15.024	$	12.615	$	10.890
Accumulation unit value at end of period	$	29.012	$	30.963	$	26.015	$	22.710	$	23.876	$	22.246	$	17.376	$	15.722	$	15.024	$	12.615
Number of accumulation units outstanding at end of period (000’s omitted)		191		218		261		286		339		340		294		317		360		364

21

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Franklin Small Cap Value VIP Subaccount
Accumulation unit value at beginning of period*	$	39.189	$	35.876	$	27.914	$	30.533	$	30.754	$	22.867	$	19.567	$	20.595	$	16.271	$	12.762
Accumulation unit value at end of period	$	33.702	$	39.189	$	35.876	$	27.914	$	30.533	$	30.754	$	22.867	$	19.567	$	20.595	$	16.271
Number of accumulation units outstanding at end of period (000’s omitted)		95		103		127		144		167		191		203		221		218		221
Franklin Strategic Income VIP Subaccount
Accumulation unit value at beginning of period*	$	18.994	$	18.402	$	17.269	$	18.198	$	18.097	$	17.744	$	15.942	$	15.744	$	14.379	$	11.583
Accumulation unit value at end of period	$	18.349	$	18.994	$	18.402	$	17.269	$	18.198	$	18.097	$	17.744	$	15.942	$	15.744	$	14.379
Number of accumulation units outstanding at end of period (000’s omitted)		188		220		246		386		325		354		425		436		448		457
Franklin U.S. Government Securities VIP Subaccount
Accumulation unit value at beginning of period*	$	12.774	$	12.769	$	12.849	$	12.955	$	12.693	$	13.153	$	13.078	$	12.535	$	12.061	$	11.851
Accumulation unit value at end of period	$	12.652	$	12.774	$	12.769	$	12.849	$	12.955	$	12.693	$	13.153	$	13.078	$	12.535	$	12.061
Number of accumulation units outstanding at end of period (000’s omitted)		81		99		99		150		159		176		270		330		295		320
Templeton Developing Markets VIP Subaccount
Accumulation unit value at beginning of period*	$	34.859	$	25.149	$	21.691	$	27.331	$	30.223	$	30.900	$	27.662	$	33.302	$	28.689	$	16.839
Accumulation unit value at end of period	$	28.974	$	34.859	$	25.149	$	21.691	$	27.331	$	30.223	$	30.900	$	27.662	$	33.302	$	28.689
Number of accumulation units outstanding at end of period (000’s omitted)		69		82		86		87		102		117		136		160		183		206
Invesco V.I. Diversified Dividend Subaccount
Accumulation unit value at beginning of period*	$	13.263	$	12.374	$	10.918	$	10.836	$	10.042	$	7.521	$	6.417		N/A		N/A		N/A
Accumulation unit value at end of period	$	12.101	$	13.263	$	12.374	$	10.918	$	10.836	$	10.042	$	7.521	$	6.417		N/A		N/A
Number of accumulation units outstanding at end of period (000’s omitted)		49		67		91		72		75		85		67		80		N/A		N/A
Invesco V.I. Health Care Fund
Accumulation unit value at beginning of period*	$	29.060	$	25.414	$	29.076	$	28.551	$	24.169	$	17.420	$	14.597	$	14.224	$	13.685	$	10.858
Accumulation unit value at end of period	$	28.944	$	29.060	$	25.414	$	29.076	$	28.551	$	24.169	$	17.420	$	14.597	$	14.224	$	13.685
Number of accumulation units outstanding at end of period (000’s omitted)		58		63		72		110		85		82		64		66		72		69
Invesco V.I. Global Real Estate Subaccount
Accumulation unit value at beginning of period*	$	31.480	$	28.207	$	28.002	$	28.792	$	25.446	$	25.096	$	19.843	$	21.500	$	18.533	$	14.274
Accumulation unit value at end of period	$	29.162	$	31.480	$	28.207	$	28.002	$	28.792	$	25.446	$	25.096	$	19.843	$	21.500	$	18.533
Number of accumulation units outstanding at end of period (000’s omitted)		103		117		123		136		158		175		208		226		265		300
Invesco V.I. Managed Volatility Subaccount
Accumulation unit value at beginning of period*	$	34.020	$	31.170	$	28.544	$	29.551	$	24.828	$	22.709	$	22.204	$	19.315	$	18.406	$	16.224
Accumulation unit value at end of period	$	29.887	$	34.020	$	31.170	$	28.544	$	29.551	$	24.828	$	22.709	$	22.204	$	19.315	$	18.406
Number of accumulation units outstanding at end of period (000’s omitted)		56		72		82		89		101		105		116		130		130		165

22

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Janus Henderson Balanced Subaccount
Accumulation unit value at beginning of period*	$	73.018	$	62.454	$	60.480	$	60.889	$	56.844	$	47.924	$	42.729	$	42.585	$	39.801	$	32.027
Accumulation unit value at end of period	$	72.567	$	73.018	$	62.454	$	60.480	$	60.889	$	56.844	$	47.924	$	42.729	$	42.585	$	39.801
Number of accumulation units outstanding at end of period (000’s omitted)		816		884		965		1,060		1,157		1,248		1,358		1,516		1,685		1,891
Janus Henderson Enterprise Subaccount
Accumulation unit value at beginning of period*	$	94.270	$	74.942	$	67.562	$	65.789	$	59.227	$	45.322	$	39.144	$	40.224	$	32.377	$	22.646
Accumulation unit value at end of period	$	92.667	$	94.270	$	74.942	$	67.562	$	65.789	$	59.227	$	45.322	$	39.144	$	40.224	$	32.377
Number of accumulation units outstanding at end of period (000’s omitted)		496		551		604		658		709		772		849		966		1,100		1,257
Janus Henderson Global Research Subaccount
Accumulation unit value at beginning of period*	$	53.414	$	42.594	$	42.273	$	43.825	$	41.318	$	32.591	$	27.494	$	32.288	$	28.237	$	20.773
Accumulation unit value at end of period	$	49.104	$	53.414	$	42.594	$	42.273	$	43.825	$	41.318	$	32.591	$	27.494	$	32.288	$	28.237
Number of accumulation units outstanding at end of period (000’s omitted)		618		672		761		851		930		1,018		1,146		1,280		1,442		1,605
Janus Henderson Mid Cap Value Subaccount
Accumulation unit value at beginning of period*	$	37.631	$	33.546	$	28.613	$	30.095	$	28.114	$	22.637	$	20.698	$	21.611	$	18.976	$	14.462
Accumulation unit value at end of period	$	32.012	$	37.631	$	33.546	$	28.613	$	30.095	$	28.114	$	22.637	$	20.698	$	21.611	$	18.976
Number of accumulation units outstanding at end of period (000’s omitted)		89		94		98		116		126		138		155		189		206		230
Janus Henderson Research Subaccount
Accumulation unit value at beginning of period*	$	53.488	$	42.368	$	42.704	$	41.064	$	36.814	$	28.612	$	24.442	$	26.145	$	23.127	$	17.182
Accumulation unit value at end of period	$	51.437	$	53.488	$	42.368	$	42.704	$	41.064	$	36.814	$	28.612	$	24.442	$	26.145	$	23.127
Number of accumulation units outstanding at end of period (000’s omitted)		464		506		573		632		687		761		842		933		1,060		1,216
JPMorgan Insurance Trust MidCap Value Subaccount
Accumulation unit value at beginning of period*	$	30.580	$	27.228	$	24.047	$	25.025	$	22.023	$	16.862	$	14.190	$	14.070	$	11.545	$	9.144
Accumulation unit value at end of period	$	26.612	$	30.580	$	27.228	$	24.047	$	25.025	$	22.023	$	16.862	$	14.190	$	14.070	$	11.545
Number of accumulation units outstanding at end of period (000’s omitted)		166		183		237		270		290		349		391		442		507		580
JPMorgan Insurance Trust Small Cap Core Subaccount
Accumulation unit value at beginning of period*	$	41.194	$	36.214	$	30.515	$	32.635	$	30.165	$	21.474	$	18.170	$	19.328	$	15.401		N/A
Accumulation unit value at end of period	$	35.812	$	41.194	$	36.214	$	30.515	$	32.635	$	30.165	$	21.474	$	18.170	$	19.328	$	15.401
Number of accumulation units outstanding at end of period (000’s omitted)		96		101		114		136		159		175		160		193		—		—
JPMorgan Insurance Trust US Equity Subaccount
Accumulation unit value at beginning of period*	$	29.068	$	24.070	$	21.978	$	22.073	$	19.631	$	14.599	$	12.571	$	12.976	$	11.573	$	8.770
Accumulation unit value at end of period	$	26.924	$	29.068	$	24.070	$	21.978	$	22.073	$	19.631	$	14.599	$	12.571	$	12.976	$	11.573
Number of accumulation units outstanding at end of period (000’s omitted)		23		34		31		46		44		46		42		29		33		40

23

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Oppenheimer Capital Appreciation Subaccount
Accumulation unit value at beginning of period*	$	25.694	$	20.574	$	21.360	$	20.953	$	18.436	$	14.429	$	12.844	$	13.192	$	12.244	$	8.604
Accumulation unit value at end of period	$	23.852	$	25.694	$	20.574	$	21.360	$	20.953	$	18.436	$	14.429	$	12.844	$	13.192	$	12.244
Number of accumulation units outstanding at end of period (000’s omitted)		42		54		61		74		103		109		103		136		151		185
Oppenheimer Discovery Mid Cap Subaccount
Accumulation unit value at beginning of period*	$	29.165	$	22.999	$	22.823	$	21.740	$	20.869	$	15.588		N/A		N/A		N/A		N/A
Accumulation unit value at end of period	$	26.974	$	29.165	$	22.999	$	22.823	$	21.740	$	20.869	$	15.588		N/A		N/A		N/A
Number of accumulation units outstanding at end of period (000’s omitted)		31		39		41		51		42		56		—		N/A		N/A		N/A
Oppenheimer Global Subaccount
Accumulation unit value at beginning of period*	$	38.825	$	28.850	$	29.270	$	28.601	$	28.389	$	22.645	$	18.967	$	21.004	$	18.389	$	13.367
Accumulation unit value at end of period	$	33.191	$	38.825	$	28.850	$	29.270	$	28.601	$	28.389	$	22.645	$	18.967	$	21.004	$	18.389
Number of accumulation units outstanding at end of period (000’s omitted)		417		458		514		576		638		690		758		908		1,084		1,270
Oppenheimer Global Strategic Income Subaccount
Accumulation unit value at beginning of period*	$	17.507	$	16.724	$	15.942	$	16.562	$	16.370	$	16.643	$	14.901	$	14.997	$	13.236	$	11.324
Accumulation unit value at end of period	$	16.496	$	17.507	$	16.724	$	15.942	$	16.562	$	16.370	$	16.643	$	14.901	$	14.997	$	13.236
Number of accumulation units outstanding at end of period (000’s omitted)		163		182		208		234		263		292		369		396		460		495
Oppenheimer Main Street Subaccount
Accumulation unit value at beginning of period*	$	28.634	$	24.868	$	22.633	$	22.236	$	20.403	$	15.725	$	13.661	$	13.882	$	12.141	$	9.609
Accumulation unit value at end of period	$	25.975	$	28.634	$	24.868	$	22.633	$	22.236	$	20.403	$	15.725	$	13.661	$	13.882	$	12.141
Number of accumulation units outstanding at end of period (000’s omitted)		106		121		138		159		185		211		227		259		297		367
Oppenheimer Main Street Small Cap Subaccount
Accumulation unit value at beginning of period*	$	40.144	$	35.699	$	30.731	$	33.151	$	30.076	$	21.666	$	18.652	$	19.355	$	15.933	$	11.791
Accumulation unit value at end of period	$	35.450	$	40.144	$	35.699	$	30.731	$	33.151	$	30.076	$	21.666	$	18.652	$	19.355	$	15.933
Number of accumulation units outstanding at end of period (000’s omitted)		150		169		174		187		197		221		226		261		301		358
Voya Global Equity Subaccount
Accumulation unit value at beginning of period*	$	13.140	$	10.783	$	10.328	$	11.064		N/A		N/A		N/A		N/A		N/A		N/A
Accumulation unit value at end of period	$	11.788	$	13.140	$	10.783	$	10.328		N/A		N/A		N/A		N/A		N/A		N/A
Number of accumulation units outstanding at end of period (000’s omitted)		234		277		314		365		N/A		N/A		N/A		N/A		N/A		N/A
VY JPMorgan Emerging Markets Equity
Accumulation unit value at beginning of period*	$	30.813	$	21.772	$	19.472	$	23.361	$	23.402	$	25.083	$	21.294	$	26.322	$	22.104	$	13.017
Accumulation unit value at end of period	$	25.371	$	30.813	$	21.772	$	19.472	$	23.361	$	23.402	$	25.083	$	21.294	$	26.322	$	22.104
Number of accumulation units outstanding at end of period (000’s omitted)		156		163		175		211		237		255		289		333		400		460

24

No Additional Contract Options Elected

(Separate Account Charges of 1.30% of the Daily Net Assets of the Separate Account)

Flexible Payment Contracts

Non-Tax Qualified (1.00%)

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Alger Large Cap Growth Subaccount
Accumulation unit value at beginning of period*	$	114.945	$	90.368	$	92.031	$	91.383	$	83.160	$	62.179	$	57.163	$	57.935	$	51.606	$	35.319
Accumulation unit value at end of period	$	116.312	$	114.945	$	90.368	$	92.031	$	91.383	$	83.160	$	62.179	$	57.163	$	57.935	$	51.606
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		0		0		0		0		1
Alger MidCap Growth Subaccount
Accumulation unit value at beginning of period*	$	68.898	$	53.613	$	53.625	$	55.022	$	51.451	$	38.254	$	33.249	$	36.610	$	30.973	$	20.620
Accumulation unit value at end of period	$	63.133	$	68.898	$	53.613	$	53.625	$	55.022	$	51.451	$	38.254	$	33.249	$	36.610	$	30.973
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Alger Small Cap Growth Subaccount
Accumulation unit value at beginning of period*	$	102.297	$	80.258	$	76.298	$	79.706	$	80.153	$	60.296	$	54.134	$	56.472	$	45.522	$	31.598
Accumulation unit value at end of period	$	102.733	$	102.297	$	80.258	$	76.298	$	79.706	$	80.153	$	60.296	$	54.134	$	56.472	$	45.522
Number of accumulation units outstanding at end of period (000’s omitted)		2		2		2		3		3		9		9		9		9		3
American Century VP Income & Growth Subaccount
Accumulation unit value at beginning of period*	$	16.155	$	13.542	$	12.052	$	12.897	$	11.578	$	8.610	$	7.579	$	7.423	$	6.568	$	5.617
Accumulation unit value at end of period	$	14.896	$	16.155	$	13.542	$	12.052	$	12.897	$	11.578	$	8.610	$	7.579	$	7.423	$	6.568
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
American Century VP Value Subaccount
Accumulation unit value at beginning of period*	$	21.682	$	20.137	$	16.881	$	17.738	$	15.843	$	12.148	$	10.709	$	10.707	$	9.534	$	8.034
Accumulation unit value at end of period	$	19.502	$	21.682	$	20.137	$	16.881	$	17.738	$	15.843	$	12.148	$	10.709	$	10.707	$	9.534
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		1		1		2		2		3
DWS Bond VIP Subaccount (formerly Deutsche Bond VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	10.827	$	10.332	$	9.851	$	9.979	$	9.452	$	9.845	$	9.226	$	8.817	$	8.339	$	7.652
Accumulation unit value at end of period	$	10.435	$	10.827	$	10.332	$	9.851	$	9.979	$	9.452	$	9.845	$	9.226	$	8.817	$	8.339
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		1		1		1		1		1
DWS Capital Growth VIP Subaccount (formerly Deutsche Capital Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	54.342	$	43.455	$	42.101	$	39.148	$	35.000	$	26.254	$	22.849	$	24.158	$	20.906	$	16.643
Accumulation unit value at end of period	$	52.942	$	54.342	$	43.455	$	42.101	$	39.148	$	35.000	$	26.254	$	22.849	$	24.158	$	20.906
Number of accumulation units outstanding at end of period (000’s omitted)		23		23		29		30		37		40		48		53		57		49

25

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
DWS Core Equity VIP Subaccount (formerly Deutsche Core Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	26.990	$	22.525	$	20.591	$	19.760	$	17.847	$	13.126	$	11.447	$	11.578	$	10.223	$	7.697
Accumulation unit value at end of period	$	25.202	$	26.990	$	22.525	$	20.591	$	19.760	$	17.847	$	13.126	$	11.447	$	11.578	$	10.223
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS CROCI® International VIP Subaccount (formerly Deutsche CROCI® International VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	16.210	$	13.424	$	13.458	$	14.381	$	16.462	$	13.829	$	11.577	$	14.032	$	13.946	$	10.550
Accumulation unit value at end of period	$	13.739	$	16.210	$	13.424	$	13.458	$	14.381	$	16.462	$	13.829	$	11.577	$	14.032	$	13.946
Number of accumulation units outstanding at end of period (000’s omitted)		3		4		4		4		5		5		5		5		5		5
DWS CROCI® U.S. VIP Subaccount (formerly Deutsche CROCI® U.S. VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	3.967	$	3.260	$	3.444	$	3.735	$	3.407	$	2.629	$	2.419	$	2.444	$	2.229	$	1.796
Accumulation unit value at end of period	$	3.515	$	3.967	$	3.260	$	3.444	$	3.735	$	3.407	$	2.629	$	2.419	$	2.444	$	2.229
Number of accumulation units outstanding at end of period (000’s omitted)		21		23		24		24		35		70		69		86		56		76
DWS Global Equity VIP Subaccount (formerly Deutsche Global Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	3.587	$	2.920	$	2.779	$	2.857	$	2.853	$	2.415	$	2.079	$	2.388	$	2.174	$	1.698
Accumulation unit value at end of period	$	3.156	$	3.587	$	2.920	$	2.779	$	2.857	$	2.853	$	2.415	$	2.079	$	2.388	$	2.174
Number of accumulation units outstanding at end of period (000’s omitted)		34		34		35		34		39		39		36		51		67		86
DWS Global Income Builder VIP Subaccount (formerly Deutsche Global Income Builder VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	12.677	$	10.986	$	10.388	$	10.645	$	10.355	$	9.685	$	8.659	$	8.871	$	7.459	$	6.103
Accumulation unit value at end of period	$	11.589	$	12.677	$	10.986	$	10.388	$	10.645	$	10.355	$	9.685	$	8.659	$	8.871	$	7.459
Number of accumulation units outstanding at end of period (000’s omitted)		205		229		249		275		312		341		399		488		599		611
DWS Government & Agency Securities VIP Subaccount (formerly Deutsche Government & Agency Securities VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	3.310	$	3.288	$	3.283	$	3.316	$	3.181	$	3.314	$	3.252	$	3.056	$	2.895	$	2.706
Accumulation unit value at end of period	$	3.295	$	3.310	$	3.288	$	3.283	$	3.316	$	3.181	$	3.314	$	3.252	$	3.056	$	2.895
Number of accumulation units outstanding at end of period (000’s omitted)		30		38		38		43		40		45		45		46		46		24

26

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
DWS Government Money Market VIP Subaccount (formerly Deutsche Government Money Market VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	2.870	$	2.886	$	2.913	$	2.942	$	2.971	$	3.000	$	3.030	$	3.060	$	3.090	$	3.111
Accumulation unit value at end of period	$	2.881	$	2.870	$	2.886	$	2.913	$	2.942	$	2.971	$	3.000	$	3.030	$	3.060	$	3.090
Number of accumulation units outstanding at end of period (000’s omitted)		143		159		156		211		283		260		327		385		571		610
DWS High Income VIP Subaccount (formerly Deutsche High Income VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	14.382	$	13.511	$	12.090	$	12.778	$	12.719	$	12.433	$	10.928	$	10.629	$	9.016	$	6.505
Accumulation unit value at end of period	$	13.881	$	14.382	$	13.511	$	12.090	$	12.778	$	12.719	$	12.433	$	10.928	$	10.629	$	9.016
Number of accumulation units outstanding at end of period (000’s omitted)		70		82		102		105		120		125		142		154		176		192
DWS Small Mid Cap Growth VIP Subaccount (formerly Deutsche Small Mid Cap Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	4.396	$	3.636	$	3.367	$	3.431	$	3.278	$	2.319	$	2.048	$	2.153	$	1.680	$	1.207
Accumulation unit value at end of period	$	3.761	$	4.396	$	3.636	$	3.367	$	3.431	$	3.278	$	2.319	$	2.048	$	2.153	$	1.680
Number of accumulation units outstanding at end of period (000’s omitted)		5		5		12		12		12		12		12		13		13		42
DWS Small Mid Cap Value VIP Subaccount (formerly Deutsche Small Mid Cap Value VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	5.169	$	4.724	$	4.082	$	4.203	$	4.023	$	3.004	$	2.667	$	2.868	$	2.354	$	1.833
Accumulation unit value at end of period	$	4.298	$	5.169	$	4.724	$	4.082	$	4.203	$	4.023	$	3.004	$	2.667	$	2.868	$	2.354
Number of accumulation units outstanding at end of period (000’s omitted)		35		19		56		59		73		88		99		107		124		118
Dreyfus MidCap Stock Subaccount
Accumulation unit value at beginning of period*	$	35.541	$	31.203	$	27.356	$	28.342	$	25.613	$	19.205	$	16.254	$	16.384	$	13.035	$	9.729
Accumulation unit value at end of period	$	29.668	$	35.541	$	31.203	$	27.356	$	28.342	$	25.613	$	19.205	$	16.254	$	16.384	$	13.035
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Dreyfus Sustainable U.S Equity Portfolio
Accumulation unit value at beginning of period*	$	57.321	$	50.196	$	45.932	$	47.922	$	42.662	$	32.073	$	28.930	$	28.958	$	25.473	$	19.235
Accumulation unit value at end of period	$	54.253	$	57.321	$	50.196	$	45.932	$	47.922	$	42.662	$	32.073	$	28.930	$	28.958	$	25.473
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Asset Manager Subaccount
Accumulation unit value at beginning of period*	$	47.209	$	41.786	$	40.946	$	41.297	$	39.411	$	34.401	$	30.890	$	32.019	$	28.301	$	22.139
Accumulation unit value at end of period	$	44.239	$	47.209	$	41.786	$	40.946	$	41.297	$	39.411	$	34.401	$	30.890	$	32.019	$	28.301
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		0		0		2		3		4		5		5

27

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Fidelity VIP Contrafund® Subaccount
Accumulation unit value at beginning of period*	$	91.559	$	75.873	$	70.950	$	71.182	$	64.223	$	49.407	$	42.865	$	44.415	$	38.270	$	28.482
Accumulation unit value at end of period	$	84.867	$	91.559	$	75.873	$	70.950	$	71.182	$	64.223	$	49.407	$	42.865	$	44.415	$	38.270
Number of accumulation units outstanding at end of period (000’s omitted)		7		7		8		8		9		10		10		12		13		17
Fidelity VIP Equity Income Subaccount
Accumulation unit value at beginning of period*	$	75.204	$	67.279	$	57.576	$	60.552	$	56.253	$	44.336	$	38.173	$	38.183	$	33.491	$	25.978
Accumulation unit value at end of period	$	68.281	$	75.204	$	67.279	$	57.576	$	60.552	$	56.253	$	44.336	$	38.173	$	38.183	$	33.491
Number of accumulation units outstanding at end of period (000’s omitted)		2		2		2		2		2		4		2		3		3		5
Fidelity VIP Growth Subaccount
Accumulation unit value at beginning of period*	$	128.587	$	96.104	$	96.291	$	90.743	$	82.347	$	61.004	$	53.724	$	54.150	$	44.044	$	34.676
Accumulation unit value at end of period	$	127.092	$	128.587	$	96.104	$	96.291	$	90.743	$	82.347	$	61.004	$	53.724	$	54.150	$	44.044
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		2		1		2		2		2		2		1
Fidelity VIP Index 500 Subaccount
Accumulation unit value at beginning of period*	$	373.330	$	309.787	$	279.705	$	278.782	$	247.924	$	189.349	$	164.989	$	163.306	$	143.395	$	114.393
Accumulation unit value at end of period	$	353.012	$	373.330	$	309.787	$	279.705	$	278.782	$	247.924	$	189.349	$	164.989	$	163.306	$	143.395
Number of accumulation units outstanding at end of period (000’s omitted)		2		2		2		3		3		3		3		3		3		4
Franklin Mutual Global Discovery VIP Subaccount
Accumulation unit value at beginning of period*	$	35.094	$	32.638	$	29.386	$	30.804	$	29.431	$	23.293	$	20.754	$	21.601	$	19.486	$	15.960
Accumulation unit value at end of period	$	30.847	$	35.094	$	32.638	$	29.386	$	30.804	$	29.431	$	23.293	$	20.754	$	21.601	$	19.486
Number of accumulation units outstanding at end of period (000’s omitted)		2		2		3		4		5		8		7		15		18		15
Franklin Mutual Shares VIP Subaccount
Accumulation unit value at beginning of period*	$	26.112	$	24.340	$	21.182	$	22.504	$	21.218	$	16.708	$	14.772	$	15.076	$	13.694	$	10.973
Accumulation unit value at end of period	$	23.508	$	26.112	$	24.340	$	21.182	$	22.504	$	21.218	$	16.708	$	14.772	$	15.076	$	13.694
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		0		0		1		2		3		5		5
Franklin Rising Dividends VIP Subaccount
Accumulation unit value at beginning of period*	$	32.339	$	27.092	$	23.579	$	24.717	$	22.961	$	17.882	$	16.131	$	15.370	$	12.867	$	11.075
Accumulation unit value at end of period	$	30.392	$	32.339	$	27.092	$	23.579	$	24.717	$	22.961	$	17.882	$	16.131	$	15.370	$	12.867
Number of accumulation units outstanding at end of period (000’s omitted)		3		3		3		1		1		1		1		1		2		2

28

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Franklin Small Cap Value VIP Subaccount
Accumulation unit value at beginning of period*	$	40.932	$	37.360	$	28.984	$	31.608	$	31.743	$	23.532	$	20.077	$	21.069	$	16.596	$	12.978
Accumulation unit value at end of period	$	35.306	$	40.932	$	37.360	$	28.984	$	31.608	$	31.743	$	23.532	$	20.077	$	21.069	$	16.596
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		0		0		1		1		2		2		2
Franklin Strategic Income VIP Subaccount
Accumulation unit value at beginning of period*	$	19.839	$	19.163	$	17.930	$	18.839	$	18.679	$	18.261	$	16.358	$	16.106	$	14.666	$	11.780
Accumulation unit value at end of period	$	19.222	$	19.839	$	19.163	$	17.930	$	18.839	$	18.679	$	18.261	$	16.358	$	16.106	$	14.666
Number of accumulation units outstanding at end of period (000’s omitted)		4		4		4		5		4		2		2		1		1		2
Franklin U.S. Government Securities VIP Subaccount
Accumulation unit value at beginning of period*	$	13.342	$	13.297	$	13.341	$	13.411	$	13.102	$	13.536	$	13.418	$	12.824	$	12.302	$	12.052
Accumulation unit value at end of period	$	13.254	$	13.342	$	13.297	$	13.341	$	13.411	$	13.102	$	13.536	$	13.418	$	12.824	$	12.302
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		6		6		1		1		2		2		—
Templeton Developing Markets VIP Subaccount
Accumulation unit value at beginning of period*	$	36.409	$	26.189	$	22.522	$	28.294	$	31.194	$	31.800	$	28.383	$	34.068	$	29.262	$	17.124
Accumulation unit value at end of period	$	30.353	$	36.409	$	26.189	$	22.522	$	28.294	$	31.194	$	31.800	$	28.383	$	34.068	$	29.262
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		2		2		3		4		4		5		8		6
Invesco V.I. Diversified Dividend Subaccount
Accumulation unit value at beginning of period*	$	13.853	$	12.887	$	11.336	$	11.218	$	10.042	$	7.740	$	6.584		N/A		N/A		N/A
Accumulation unit value at end of period	$	12.677	$	13.853	$	12.887	$	11.336	$	11.218	$	10.042	$	7.740	$	6.584		N/A		N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		N/A		N/A
Invesco V.I. Health Care Fund
Accumulation unit value at beginning of period*	$	30.352	$	26.466	$	30.190	$	29.557	$	24.946	$	17.927	$	14.977	$	14.552	$	13.958	$	11.042
Accumulation unit value at end of period	$	30.322	$	30.352	$	26.466	$	30.190	$	29.557	$	24.946	$	17.927	$	14.977	$	14.552	$	13.958
Number of accumulation units outstanding at end of period (000’s omitted)		2		2		2		3		3		2		4		4		4		4
Invesco V.I. Global Real Estate Subaccount
Accumulation unit value at beginning of period*	$	32.880	$	29.374	$	29.074	$	29.806	$	26.264	$	25.826	$	20.360	$	21.995	$	18.904	$	14.516
Accumulation unit value at end of period	$	30.550	$	32.880	$	29.374	$	29.074	$	29.806	$	26.264	$	25.826	$	20.360	$	21.995	$	18.904
Number of accumulation units outstanding at end of period (000’s omitted)		0		2		2		2		2		2		2		1		1		2
Invesco V.I. Managed Volatility Subaccount
Accumulation unit value at beginning of period*	$	35.533	$	32.460	$	29.638	$	30.592	$	25.627	$	23.369	$	22.782	$	19.759	$	18.774	$	16.499
Accumulation unit value at end of period	$	31.309	$	35.533	$	32.460	$	29.638	$	30.592	$	25.627	$	23.369	$	22.782	$	19.759	$	18.774
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		1		1		1		1		2

29

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Janus Henderson Balanced Subaccount
Accumulation unit value at beginning of period*	$	78.012	$	66.529	$	64.236	$	64.478	$	60.016	$	50.448	$	44.846	$	44.563	$	41.526	$	33.317
Accumulation unit value at end of period	$	77.762	$	78.012	$	66.529	$	64.236	$	64.478	$	60.016	$	50.448	$	44.846	$	44.563	$	41.526
Number of accumulation units outstanding at end of period (000’s omitted)		8		8		8		7		7		7		7		8		8		8
Janus Henderson Enterprise Subaccount
Accumulation unit value at beginning of period*	$	100.720	$	79.833	$	71.759	$	69.669	$	62.534	$	47.711	$	41.086	$	42.093	$	33.782	$	23.559
Accumulation unit value at end of period	$	99.303	$	100.720	$	79.833	$	71.759	$	69.669	$	62.534	$	47.711	$	41.086	$	42.093	$	33.782
Number of accumulation units outstanding at end of period (000’s omitted)		10		10		9		10		9		10		10		12		13		10
Janus Henderson Global Research Subaccount
Accumulation unit value at beginning of period*	$	57.068	$	45.373	$	44.899	$	46.409	$	43.625	$	34.309	$	28.858	$	33.789	$	29.461	$	21.609
Accumulation unit value at end of period	$	52.620	$	57.068	$	45.373	$	44.899	$	46.409	$	43.625	$	34.309	$	28.858	$	33.789	$	29.461
Number of accumulation units outstanding at end of period (000’s omitted)		0		1		1		1		1		2		2		2		2		3
Janus Henderson Mid Cap Value Subaccount
Accumulation unit value at beginning of period*	$	39.304	$	34.934	$	29.709	$	31.155	$	29.018	$	23.296	$	21.237	$	22.108	$	19.356	$	14.707
Accumulation unit value at end of period	$	33.535	$	39.304	$	34.934	$	29.709	$	31.155	$	29.018	$	23.296	$	21.237	$	22.108	$	19.356
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		1		1		1		1		1
Janus Henderson Research Subaccount
Accumulation unit value at beginning of period*	$	57.147	$	45.133	$	45.356	$	43.485	$	38.869	$	30.120	$	25.654	$	27.360	$	24.130	$	17.874
Accumulation unit value at end of period	$	55.120	$	57.147	$	45.133	$	45.356	$	43.485	$	38.869	$	30.120	$	25.654	$	27.360	$	24.130
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		1		2		2		2		2
JPMorgan Insurance Trust MidCap Value Subaccount
Accumulation unit value at beginning of period*	$	31.879	$	28.302	$	24.922	$	25.858	$	22.688	$	17.320	$	14.533	$	14.367	$	11.754	$	9.282
Accumulation unit value at end of period	$	27.826	$	31.879	$	28.302	$	24.922	$	25.858	$	22.688	$	17.320	$	14.533	$	14.367	$	11.754
Number of accumulation units outstanding at end of period (000’s omitted)		2		2		4		3		3		5		3		3		6		6
JPMorgan Insurance Trust Small Cap Core Subaccount
Accumulation unit value at beginning of period*	$	43.540	$	38.163	$	32.062	$	34.188	$	31.507	$	22.363	$	18.866	$	20.009	$	15.897		N/A
Accumulation unit value at end of period	$	37.964	$	43.540	$	38.163	$	32.062	$	34.188	$	31.507	$	22.363	$	18.866	$	20.009	$	15.897
Number of accumulation units outstanding at end of period (000’s omitted)		0		1		1		1		1		1		1		1		1		1
JPMorgan Insurance Trust US Equity Subaccount
Accumulation unit value at beginning of period*	$	30.304	$	25.019	$	22.777	$	22.808	$	20.224	$	14.995	$	12.874	$	13.250	$	11.783	$	8.902
Accumulation unit value at end of period	$	28.152	$	30.304	$	25.019	$	22.777	$	22.808	$	20.224	$	14.995	$	12.874	$	13.250	$	11.783
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

30

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Oppenheimer Capital Appreciation Subaccount
Accumulation unit value at beginning of period*	$	26.836	$	21.425	$	22.178	$	21.691	$	19.029	$	14.849	$	13.179	$	13.496	$	12.489	$	8.750
Accumulation unit value at end of period	$	24.987	$	26.836	$	21.425	$	22.178	$	21.691	$	19.029	$	14.849	$	13.179	$	13.496	$	12.489
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		0		1
Oppenheimer Discovery Mid Cap Subaccount
Accumulation unit value at beginning of period*	$	30.462	$	23.951	$	23.697	$	22.506	$	21.541	$	16.041		N/A		N/A		N/A		N/A
Accumulation unit value at end of period	$	28.258	$	30.462	$	23.951	$	23.697	$	22.506	$	21.541	$	16.041		N/A		N/A		N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		N/A		N/A		N/A
Oppenheimer Global Subaccount
Accumulation unit value at beginning of period*	$	40.552	$	30.044	$	30.392	$	29.608	$	29.302	$	23.304	$	19.461	$	21.487	$	18.757	$	13.594
Accumulation unit value at end of period	$	34.771	$	40.552	$	30.044	$	30.392	$	29.608	$	29.302	$	23.304	$	19.461	$	21.487	$	18.757
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		1		2		2		2		2
Oppenheimer Global Strategic Income Subaccount
Accumulation unit value at beginning of period*	$	18.285	$	17.416	$	16.553	$	17.146	$	16.896	$	17.128	$	15.289	$	15.342	$	13.501	$	11.516
Accumulation unit value at end of period	$	17.281	$	18.285	$	17.416	$	16.553	$	17.146	$	16.896	$	17.128	$	15.289	$	15.342	$	13.501
Number of accumulation units outstanding at end of period (000’s omitted)		0		1		1		1		3		3		—		—		—		—
Oppenheimer Main Street Subaccount
Accumulation unit value at beginning of period*	$	29.907	$	25.897	$	23.500	$	23.020	$	21.060	$	16.183	$	14.017	$	14.201	$	12.383	$	9.772
Accumulation unit value at end of period	$	27.211	$	29.907	$	25.897	$	23.500	$	23.020	$	21.060	$	16.183	$	14.017	$	14.201	$	12.383
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		1		1
Oppenheimer Main Street Small Cap Subaccount
Accumulation unit value at beginning of period*	$	41.929	$	37.176	$	31.908	$	34.319	$	31.044	$	22.296	$	19.138	$	19.801	$	16.252	$	11.992
Accumulation unit value at end of period	$	37.137	$	41.929	$	37.176	$	31.908	$	34.319	$	31.044	$	22.296	$	19.138	$	19.801	$	16.252
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		1		3		1
Voya Global Equity Subaccount
Accumulation unit value at beginning of period*	$	11.335	$	11.335	$	11.335	$	11.335		N/A		N/A		N/A		N/A		N/A		N/A
Accumulation unit value at end of period	$	12.215	$	13.575	$	11.107	$	10.606		N/A		N/A		N/A		N/A		N/A		N/A
Number of accumulation units outstanding at end of period (000’s omitted)		2		2		2		—		N/A		N/A		N/A		N/A		N/A		N/A
VY JPMorgan Emerging Markets Equity
Accumulation unit value at beginning of period*	$	31.937	$	22.500	$	20.064	$	23.999	$	23.970	$	25.616	$	21.682	$	26.722	$	22.373	$	13.136
Accumulation unit value at end of period	$	26.375	$	31.937	$	22.500	$	20.064	$	23.999	$	23.970	$	25.616	$	21.682	$	26.722	$	22.373
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		3		3		3		3		3		3

31

No Additional Contract Options Elected

(Separate Account Charges of 1.30% of the Daily Net Assets of the Separate Account)

Periodic Payment Contracts

Non-Tax Qualified (1.30%)

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Alger Large Cap Growth Subaccount
Accumulation unit value at beginning of period*	$	108.752	$	85.752	$	87.590	$	87.231	$	79.618	$	59.707	$	55.054	$	55.963	$	49.997	$	34.320
Accumulation unit value at end of period	$	109.718	$	108.752	$	85.752	$	87.590	$	87.231	$	79.618	$	59.707	$	55.054	$	55.963	$	49.997
Number of accumulation units outstanding at end of period (000’s omitted)		2		2		2		2		2		3		3		3		4		5
Alger MidCap Growth Subaccount
Accumulation unit value at beginning of period*	$	65.511	$	51.129	$	51.292	$	52.785	$	49.505	$	36.917	$	32.182	$	35.540	$	30.157	$	20.137
Accumulation unit value at end of period	$	59.851	$	65.511	$	51.129	$	51.292	$	52.785	$	49.505	$	36.917	$	32.182	$	35.540	$	30.157
Number of accumulation units outstanding at end of period (000’s omitted)		—		1		1		1		1		2		2		3		3		2
Alger Small Cap Growth Subaccount
Accumulation unit value at beginning of period*	$	96.785	$	76.158	$	72.615	$	76.084	$	76.738	$	57.899	$	52.136	$	54.549	$	44.102	$	30.703
Accumulation unit value at end of period	$	96.907	$	96.785	$	76.158	$	72.615	$	76.084	$	76.738	$	57.899	$	52.136	$	54.549	$	44.102
Number of accumulation units outstanding at end of period (000’s omitted)		2		2		2		2		2		4		4		4		6		2
American Century VP Income & Growth Subaccount
Accumulation unit value at beginning of period*	$	15.285	$	12.850	$	11.470	$	12.311	$	11.085	$	8.268	$	7.299	$	7.171	$	6.364	$	5.459
Accumulation unit value at end of period	$	14.051	$	15.285	$	12.850	$	11.470	$	12.311	$	11.085	$	8.268	$	7.299	$	7.171	$	6.364
Number of accumulation units outstanding at end of period (000’s omitted)		1		2		2		2		2		2		2		1		2		1
American Century VP Value Subaccount
Accumulation unit value at beginning of period*	$	20.514	$	19.109	$	16.066	$	16.933	$	15.169	$	11.665	$	10.314	$	10.342	$	9.237	$	7.806
Accumulation unit value at end of period	$	18.396	$	20.514	$	19.109	$	16.066	$	16.933	$	15.169	$	11.665	$	10.314	$	10.342	$	9.237
Number of accumulation units outstanding at end of period (000’s omitted)		1		2		3		3		4		4		4		3		2		3
DWS Bond VIP Subaccount (formerly Deutsche Bond VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	10.244	$	9.805	$	9.376	$	9.526	$	9.050	$	9.454	$	8.886	$	8.517	$	8.079	$	7.436
Accumulation unit value at end of period	$	9.843	$	10.244	$	9.805	$	9.376	$	9.526	$	9.050	$	9.454	$	8.886	$	8.517	$	8.079
Number of accumulation units outstanding at end of period (000’s omitted)		3		6		8		10		12		15		17		9		16		10
DWS Capital Growth VIP Subaccount (formerly Deutsche Capital Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	51.415	$	41.236	$	40.070	$	37.370	$	33.509	$	25.210	$	22.006	$	23.335	$	20.254	$	16.172
Accumulation unit value at end of period	$	49.941	$	51.415	$	41.236	$	40.070	$	37.370	$	33.509	$	25.210	$	22.006	$	23.335	$	20.254
Number of accumulation units outstanding at end of period (000’s omitted)		2		2		2		2		3		6		8		6		5		5

32

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
DWS Core Equity VIP Subaccount (formerly Deutsche Core Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	25.994	$	21.758	$	19.949	$	19.201	$	17.394	$	12.831	$	11.223	$	11.385	$	10.082	$	7.613
Accumulation unit value at end of period	$	24.200	$	25.994	$	21.758	$	19.949	$	19.201	$	17.394	$	12.831	$	11.223	$	11.385	$	10.082
Number of accumulation units outstanding at end of period (000’s omitted)		2		2		2		2		3		4		4		5		9		6
DWS CROCI® International VIP Subaccount (formerly Deutsche CROCI® International VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	15.337	$	12.738	$	12.809	$	13.728	$	15.760	$	13.279	$	11.150	$	13.555	$	13.512	$	10.251
Accumulation unit value at end of period	$	12.960	$	15.337	$	12.738	$	12.809	$	13.728	$	15.760	$	13.279	$	11.150	$	13.555	$	13.512
Number of accumulation units outstanding at end of period (000’s omitted)		2		2		2		2		2		4		5		6		7		6
DWS CROCI® U.S. VIP Subaccount (formerly Deutsche CROCI® U.S. VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	3.720	$	3.066	$	3.248	$	3.534	$	3.233	$	2.502	$	2.309	$	2.340	$	2.140	$	1.729
Accumulation unit value at end of period	$	3.286	$	3.720	$	3.066	$	3.248	$	3.534	$	3.233	$	2.502	$	2.309	$	2.340	$	2.140
Number of accumulation units outstanding at end of period (000’s omitted)		2		3		4		4		7		15		17		20		33		20
DWS Global Equity VIP Subaccount (formerly Deutsche Global Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	3.321	$	2.712	$	2.589	$	2.669	$	2.673	$	2.270	$	1.959	$	2.257	$	2.061	$	1.614
Accumulation unit value at end of period	$	2.913	$	3.321	$	2.712	$	2.589	$	2.669	$	2.673	$	2.270	$	1.959	$	2.257	$	2.061
Number of accumulation units outstanding at end of period (000’s omitted)		38		47		67		72		80		95		99		93		100		100
DWS Global Income Builder VIP Subaccount (formerly Deutsche Global Income Builder VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	11.474	$	9.973	$	9.458	$	9.721	$	9.484	$	8.841	$	8.017	$	7.902	$	6.913	$	5.673
Accumulation unit value at end of period	$	10.458	$	11.474	$	9.973	$	9.458	$	9.721	$	9.484	$	8.841	$	8.017	$	7.902	$	6.913
Number of accumulation units outstanding at end of period (000’s omitted)		450		525		745		800		830		917		950		1,006		2,640		1,705
DWS Government & Agency Securities VIP Subaccount (formerly Deutsche Government & Agency Securities VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	3.044	$	3.033	$	3.038	$	3.078	$	2.961	$	3.094	$	3.045	$	2.870	$	2.727	$	2.556
Accumulation unit value at end of period	$	3.022	$	3.044	$	3.033	$	3.038	$	3.078	$	2.961	$	3.094	$	3.045	$	2.870	$	2.727
Number of accumulation units outstanding at end of period (000’s omitted)		35		40		65		80		85		110		112		117		120		100

33

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
DWS Government Money Market VIP Subaccount (formerly Deutsche Government Money Market VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	2.581	$	2.603	$	2.635	$	2.669	$	2.704	$	2.739	$	2.774	$	2.810	$	2.846	$	2.874
Accumulation unit value at end of period	$	2.584	$	2.581	$	2.603	$	2.635	$	2.669	$	2.704	$	2.739	$	2.774	$	2.810	$	2.846
Number of accumulation units outstanding at end of period (000’s omitted)		10		9		10		10		15		8		9		10		24		16
DWS High Income VIP Subaccount (formerly Deutsche High Income VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	13.162	$	12.402	$	11.131	$	11.799	$	11.779	$	11.350	$	10.463	$	9.843	$	8.450	$	6.114
Accumulation unit value at end of period	$	12.666	$	13.162	$	12.402	$	11.131	$	11.799	$	11.779	$	11.350	$	10.463	$	9.843	$	8.450
Number of accumulation units outstanding at end of period (000’s omitted)		225		249		299		365		464		500		500		608		815		900
DWS Small Mid Cap Growth VIP Subaccount (formerly Deutsche Small Mid Cap Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	4.098	$	3.399	$	3.157	$	3.227	$	3.093	$	2.194	$	1.944	$	2.049	$	1.603	$	1.155
Accumulation unit value at end of period	$	3.495	$	4.098	$	3.399	$	3.157	$	3.227	$	3.093	$	2.194	$	1.944	$	2.049	$	1.603
Number of accumulation units outstanding at end of period (000’s omitted)		2		2		3		5		10		15		18		20		24		20
DWS Small Mid Cap Value VIP Subaccount (formerly Deutsche Small Mid Cap Value VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	4.848	$	4.443	$	3.850	$	3.976	$	3.817	$	2.859	$	2.546	$	2.746	$	2.260	$	1.765
Accumulation unit value at end of period	$	4.019	$	4.848	$	4.443	$	3.850	$	3.976	$	3.817	$	2.859	$	2.546	$	2.746	$	2.260
Number of accumulation units outstanding at end of period (000’s omitted)		2		2		3		3		5		10		10		7		5		2
Dreyfus MidCap Stock Subaccount
Accumulation unit value at beginning of period*	$	34.028	$	29.963	$	26.346	$	27.378	$	24.815	$	18.662	$	15.842	$	16.015	$	12.780	$	9.566
Accumulation unit value at end of period	$	28.321	$	34.028	$	29.963	$	26.346	$	27.378	$	24.815	$	18.662	$	15.842	$	16.015	$	12.780
Number of accumulation units outstanding at end of period (000’s omitted)		2		3		3		3		3		2		2		2		9		3
Dreyfus Sustainable U.S Equity Portfolio
Accumulation unit value at beginning of period*	$	54.233	$	47.632	$	43.715	$	45.745	$	40.845	$	30.798	$	27.863	$	27.972	$	24.679	$	18.691
Accumulation unit value at end of period	$	51.177	$	54.233	$	47.632	$	43.715	$	45.745	$	40.845	$	30.798	$	27.863	$	27.972	$	24.679
Number of accumulation units outstanding at end of period (000’s omitted)		2		2		2		2		2		2		2		2		6		4
Fidelity VIP Asset Manager Subaccount
Accumulation unit value at beginning of period*	$	44.271	$	39.301	$	38.625	$	39.071	$	37.398	$	32.741	$	29.487	$	30.655	$	27.177	$	21.322
Accumulation unit value at end of period	$	41.361	$	44.271	$	39.301	$	38.625	$	39.071	$	37.398	$	32.741	$	29.487	$	30.655	$	27.177
Number of accumulation units outstanding at end of period (000’s omitted)		2		2		2		2		2		2		2		3		5		4

34

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Fidelity VIP Contrafund® Subaccount
Accumulation unit value at beginning of period*	$	85.859	$	71.361	$	66.928	$	67.346	$	60.943	$	47.023	$	40.918	$	42.523	$	36.748	$	27.431
Accumulation unit value at end of period	$	79.347	$	85.859	$	71.361	$	66.928	$	67.346	$	60.943	$	47.023	$	40.918	$	42.523	$	36.748
Number of accumulation units outstanding at end of period (000’s omitted)		2		2		3		4		4		5		7		8		6		3
Fidelity VIP Equity Income Subaccount
Accumulation unit value at beginning of period*	$	70.521	$	63.277	$	54.311	$	57.288	$	53.379	$	42.196	$	36.439	$	36.556	$	32.159	$	25.020
Accumulation unit value at end of period	$	63.839	$	70.521	$	63.277	$	54.311	$	57.288	$	53.379	$	42.196	$	36.439	$	36.556	$	32.159
Number of accumulation units outstanding at end of period (000’s omitted)		2		3		3		3		3		5		5		6		9		5
Fidelity VIP Growth Subaccount
Accumulation unit value at beginning of period*	$	120.570	$	90.379	$	90.823	$	85.845	$	78.133	$	58.054	$	51.278	$	51.838	$	42.289	$	33.393
Accumulation unit value at end of period	$	118.813	$	120.570	$	90.379	$	90.823	$	85.845	$	78.133	$	58.054	$	51.278	$	51.838	$	42.289
Number of accumulation units outstanding at end of period (000’s omitted)		2		3		3		3		3		3		3		4		6		5
Fidelity VIP Index 500 Subaccount
Accumulation unit value at beginning of period*	$	350.089	$	291.363	$	263.848	$	263.759	$	235.261	$	180.212	$	157.494	$	156.349	$	137.695	$	110.172
Accumulation unit value at end of period	$	330.050	$	350.089	$	291.363	$	263.848	$	263.759	$	235.261	$	180.212	$	157.494	$	156.349	$	137.695
Number of accumulation units outstanding at end of period (000’s omitted)		2		2		2		2		2		2		3		4		7		4
Franklin Mutual Global Discovery VIP Subaccount
Accumulation unit value at beginning of period*	$	33.600	$	31.341	$	28.301	$	29.756	$	28.514	$	22.634	$	20.227	$	21.115	$	19.105	$	15.694
Accumulation unit value at end of period	$	29.446	$	33.600	$	31.341	$	28.301	$	29.756	$	28.514	$	22.634	$	20.227	$	21.115	$	19.105
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		1		1		1		1		1
Franklin Mutual Shares VIP Subaccount
Accumulation unit value at beginning of period*	$	25.000	$	23.373	$	20.400	$	21.739	$	20.557	$	16.236	$	14.397	$	14.737	$	13.425	$	10.790
Accumulation unit value at end of period	$	22.440	$	25.000	$	23.373	$	20.400	$	21.739	$	20.557	$	16.236	$	14.397	$	14.737	$	13.425
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		2		2		2		3		4		3
Franklin Rising Dividends VIP Subaccount
Accumulation unit value at beginning of period*	$	30.963	$	26.015	$	22.710	$	23.876	$	22.246	$	17.376	$	15.722	$	15.024	$	12.615	$	10.890
Accumulation unit value at end of period	$	29.012	$	30.963	$	26.015	$	22.710	$	23.876	$	22.246	$	17.376	$	15.722	$	15.024	$	12.615
Number of accumulation units outstanding at end of period (000’s omitted)		3		3		3		3		5		5		3		3		3		3

35

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Franklin Small Cap Value VIP Subaccount
Accumulation unit value at beginning of period*	$	39.189	$	35.876	$	27.914	$	30.533	$	30.754	$	22.867	$	19.567	$	20.595	$	16.271	$	12.762
Accumulation unit value at end of period	$	33.702	$	39.189	$	35.876	$	27.914	$	30.533	$	30.754	$	22.867	$	19.567	$	20.595	$	16.271
Number of accumulation units outstanding at end of period (000’s omitted)		3		4		5		5		6		6		6		8		16		7
Franklin Strategic Income VIP Subaccount
Accumulation unit value at beginning of period*	$	18.994	$	18.402	$	17.269	$	18.198	$	18.097	$	17.744	$	15.942	$	15.744	$	14.379	$	11.583
Accumulation unit value at end of period	$	18.349	$	18.994	$	18.402	$	17.269	$	18.198	$	18.097	$	17.744	$	15.942	$	15.744	$	14.379
Number of accumulation units outstanding at end of period (000’s omitted)		10		12		13		15		12		15		17		19		21		20
Franklin U.S. Government Securities VIP Subaccount
Accumulation unit value at beginning of period*	$	12.774	$	12.769	$	12.849	$	12.955	$	12.693	$	13.153	$	13.078	$	12.535	$	12.061	$	11.851
Accumulation unit value at end of period	$	12.652	$	12.774	$	12.769	$	12.849	$	12.955	$	12.693	$	13.153	$	13.078	$	12.535	$	12.061
Number of accumulation units outstanding at end of period (000’s omitted)		2		2		2		2		2		2		2		3		3		4
Templeton Developing Markets VIP Subaccount
Accumulation unit value at beginning of period*	$	34.859	$	25.149	$	21.691	$	27.331	$	30.223	$	30.900	$	27.662	$	33.302	$	28.689	$	16.839
Accumulation unit value at end of period	$	28.974	$	34.859	$	25.149	$	21.691	$	27.331	$	30.223	$	30.900	$	27.662	$	33.302	$	28.689
Number of accumulation units outstanding at end of period (000’s omitted)		3		3		3		3		3		3		3		3		3		2
Invesco V.I. Diversified Dividend Subaccount
Accumulation unit value at beginning of period*	$	13.263	$	12.374	$	10.918	$	10.836	$	10.042	$	7.521	$	6.417		N/A		N/A		N/A
Accumulation unit value at end of period	$	12.101	$	13.263	$	12.374	$	10.918	$	10.836	$	10.042	$	7.521	$	6.417		N/A		N/A
Number of accumulation units outstanding at end of period (000’s omitted)		3		3		4		3		3		3		3		3		N/A		N/A
Invesco V.I. Health Care Fund
Accumulation unit value at beginning of period*	$	29.060	$	25.414	$	29.076	$	28.551	$	24.169	$	17.420	$	14.597	$	14.224	$	13.685	$	10.858
Accumulation unit value at end of period	$	28.944	$	29.060	$	25.414	$	29.076	$	28.551	$	24.169	$	17.420	$	14.597	$	14.224	$	13.685
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		2		2		2		—		—		—		9
Invesco V.I. Global Real Estate Subaccount
Accumulation unit value at beginning of period*	$	31.480	$	28.207	$	28.002	$	28.792	$	25.446	$	25.096	$	19.843	$	21.500	$	18.533	$	14.274
Accumulation unit value at end of period	$	29.162	$	31.480	$	28.207	$	28.002	$	28.792	$	25.446	$	25.096	$	19.843	$	21.500	$	18.533
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		—		—		—		—		—		4
Invesco V.I. Managed Volatility Subaccount
Accumulation unit value at beginning of period*	$	34.020	$	31.170	$	28.544	$	29.551	$	24.828	$	22.709	$	22.204	$	19.315	$	18.406	$	16.224
Accumulation unit value at end of period	$	29.887	$	34.020	$	31.170	$	28.544	$	29.551	$	24.828	$	22.709	$	22.204	$	19.315	$	18.406
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		3		3		4		5		5

36

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Janus Henderson Balanced Subaccount
Accumulation unit value at beginning of period*	$	73.018	$	62.454	$	60.480	$	60.889	$	56.844	$	47.924	$	42.729	$	42.585	$	39.801	$	32.027
Accumulation unit value at end of period	$	72.567	$	73.018	$	62.454	$	60.480	$	60.889	$	56.844	$	47.924	$	42.729	$	42.585	$	39.801
Number of accumulation units outstanding at end of period (000’s omitted)		2		2		2		3		1		2		2		2		8		2
Janus Henderson Enterprise Subaccount
Accumulation unit value at beginning of period*	$	94.270	$	74.942	$	67.562	$	65.789	$	59.227	$	45.322	$	39.144	$	40.224	$	32.377	$	22.646
Accumulation unit value at end of period	$	92.667	$	94.270	$	74.942	$	67.562	$	65.789	$	59.227	$	45.322	$	39.144	$	40.224	$	32.377
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		1		1		2		2		2
Janus Henderson Global Research Subaccount
Accumulation unit value at beginning of period*	$	53.414	$	42.594	$	42.273	$	43.825	$	41.318	$	32.591	$	27.494	$	32.288	$	28.237	$	20.773
Accumulation unit value at end of period	$	49.104	$	53.414	$	42.594	$	42.273	$	43.825	$	41.318	$	32.591	$	27.494	$	32.288	$	28.237
Number of accumulation units outstanding at end of period (000’s omitted)		2		2		2		2		2		4		3		5		6		2
Janus Henderson Mid Cap Value Subaccount
Accumulation unit value at beginning of period*	$	37.631	$	33.546	$	28.613	$	30.095	$	28.114	$	22.637	$	20.698	$	21.611	$	18.976	$	14.462
Accumulation unit value at end of period	$	32.012	$	37.631	$	33.546	$	28.613	$	30.095	$	28.114	$	22.637	$	20.698	$	21.611	$	18.976
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		1		1		2		2		1
Janus Henderson Research Subaccount
Accumulation unit value at beginning of period*	$	53.488	$	42.368	$	42.704	$	41.064	$	36.814	$	28.612	$	24.442	$	26.145	$	23.127	$	17.182
Accumulation unit value at end of period	$	51.437	$	53.488	$	42.368	$	42.704	$	41.064	$	36.814	$	28.612	$	24.442	$	26.145	$	23.127
Number of accumulation units outstanding at end of period (000’s omitted)		2		2		2		2		2		3		3		3		5		2
JPMorgan Insurance Trust MidCap Value Subaccount
Accumulation unit value at beginning of period*	$	30.580	$	27.228	$	24.047	$	25.025	$	22.023	$	16.862	$	14.190	$	14.070	$	11.545	$	9.144
Accumulation unit value at end of period	$	26.612	$	30.580	$	27.228	$	24.047	$	25.025	$	22.023	$	16.862	$	14.190	$	14.070	$	11.545
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		2		2		2		2		1
JPMorgan Insurance Trust Small Cap Core Subaccount
Accumulation unit value at beginning of period*	$	41.194	$	36.214	$	30.515	$	32.635	$	30.165	$	21.474	$	18.170	$	19.328	$	15.401		N/A
Accumulation unit value at end of period	$	35.812	$	41.194	$	36.214	$	30.515	$	32.635	$	30.165	$	21.474	$	18.170	$	19.328	$	15.401
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust US Equity Subaccount
Accumulation unit value at beginning of period*	$	29.068	$	24.070	$	21.978	$	22.073	$	19.631	$	14.599	$	12.571	$	12.976	$	11.573	$	8.770
Accumulation unit value at end of period	$	26.924	$	29.068	$	24.070	$	21.978	$	22.073	$	19.631	$	14.599	$	12.571	$	12.976	$	11.573
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

37

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Oppenheimer Capital Appreciation Subaccount
Accumulation unit value at beginning of period*	$	25.694	$	20.574	$	21.360	$	20.953	$	18.436	$	14.429	$	12.844	$	13.192	$	12.244	$	8.604
Accumulation unit value at end of period	$	23.852	$	25.694	$	20.574	$	21.360	$	20.953	$	18.436	$	14.429	$	12.844	$	13.192	$	12.244
Number of accumulation units outstanding at end of period (000’s omitted)		3		3		3		3		3		4		3		3		3		1
Oppenheimer Discovery Mid Cap Subaccount
Accumulation unit value at beginning of period*	$	29.165	$	22.999	$	22.823	$	21.740	$	20.869	$	15.588		N/A		N/A		N/A		N/A
Accumulation unit value at end of period	$	26.974	$	29.165	$	22.999	$	22.823	$	21.740	$	20.869	$	15.588		N/A		N/A		N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		N/A		N/A		N/A
Oppenheimer Global Subaccount
Accumulation unit value at beginning of period*	$	38.825	$	28.850	$	29.270	$	28.601	$	28.389	$	22.645	$	18.967	$	21.004	$	18.389	$	13.367
Accumulation unit value at end of period	$	33.191	$	38.825	$	28.850	$	29.270	$	28.601	$	28.389	$	22.645	$	18.967	$	21.004	$	18.389
Number of accumulation units outstanding at end of period (000’s omitted)		2		2		2		2		2		2		1		2		3		2
Oppenheimer Global Strategic Income Subaccount
Accumulation unit value at beginning of period*	$	17.507	$	16.724	$	15.942	$	16.562	$	16.370	$	16.643	$	14.901	$	14.997	$	13.236	$	11.324
Accumulation unit value at end of period	$	16.496	$	17.507	$	16.724	$	15.942	$	16.562	$	16.370	$	16.643	$	14.901	$	14.997	$	13.236
Number of accumulation units outstanding at end of period (000’s omitted)		2		2		2		2		2		2		3		3		3		3
Oppenheimer Main Street Subaccount
Accumulation unit value at beginning of period*	$	28.634	$	24.868	$	22.633	$	22.236	$	20.403	$	15.725	$	13.661	$	13.882	$	12.141	$	9.609
Accumulation unit value at end of period	$	25.975	$	28.634	$	24.868	$	22.633	$	22.236	$	20.403	$	15.725	$	13.661	$	13.882	$	12.141
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		2		2		2		3		1
Oppenheimer Main Street Small Cap Subaccount
Accumulation unit value at beginning of period*	$	40.144	$	35.699	$	30.731	$	33.151	$	30.076	$	21.666	$	18.652	$	19.355	$	15.933	$	11.791
Accumulation unit value at end of period	$	35.450	$	40.144	$	35.699	$	30.731	$	33.151	$	30.076	$	21.666	$	18.652	$	19.355	$	15.933
Number of accumulation units outstanding at end of period (000’s omitted)		5		5		5		5		5		7		5		6		5		3
Voya Global Equity Subaccount
Accumulation unit value at beginning of period*	$	13.140	$	10.783	$	10.328	$	11.064		N/A		N/A		N/A		N/A		N/A		N/A
Accumulation unit value at end of period	$	11.788	$	13.140	$	10.783	$	10.328		N/A		N/A		N/A		N/A		N/A		N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		N/A		N/A		N/A		N/A		N/A		N/A
VY JPMorgan Emerging Markets Equity
Accumulation unit value at beginning of period*	$	30.813	$	21.772	$	19.472	$	23.361	$	23.402	$	25.083	$	21.294	$	26.322	$	22.104	$	13.017
Accumulation unit value at end of period	$	25.371	$	30.813	$	21.772	$	19.472	$	23.361	$	23.402	$	25.083	$	21.294	$	26.322	$	22.104
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		1		2		3		6		3

38

Additional Contract Options Elected (0.75%)

(Separate Account Charges of 2.05% of the Daily Net Assets of the Separate Account)

Periodic Payment Contracts

Tax Qualified (2.05%)

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Alger Large Cap Growth Subaccount
Accumulation unit value at beginning of period*	$	96.463	$	76.623	$	78.843	$	79.101	$	72.732	$	54.947	$	51.041	$	52.267	$	47.040	$	32.529
Accumulation unit value at end of period	$	96.599	$	96.463	$	76.623	$	78.843	$	79.101	$	72.732	$	54.947	$	51.041	$	52.267	$	47.040
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Alger MidCap Growth Subaccount
Accumulation unit value at beginning of period*	$	58.107	$	45.685	$	46.169	$	47.864	$	45.223	$	33.973	$	29.835	$	33.193	$	28.373	$	19.086
Accumulation unit value at end of period	$	52.694	$	58.107	$	45.685	$	46.169	$	47.864	$	45.223	$	33.973	$	29.835	$	33.193	$	28.373
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Alger Small Cap Growth Subaccount
Accumulation unit value at beginning of period*	$	85.847	$	68.050	$	65.363	$	68.993	$	70.101	$	52.283	$	48.336	$	50.946	$	41.494	$	29.102
Accumulation unit value at end of period	$	85.320	$	85.847	$	68.050	$	65.363	$	68.993	$	70.101	$	52.283	$	48.336	$	50.946	$	41.494
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
American Century VP Income & Growth Subaccount
Accumulation unit value at beginning of period*	$	13.558	$	11.482	$	10.325	$	11.164	$	10.127	$	7.609	$	6.767	$	6.697	$	5.987	$	5.174
Accumulation unit value at end of period	$	12.371	$	13.558	$	11.482	$	10.325	$	11.164	$	10.127	$	7.609	$	6.767	$	6.697	$	5.987
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
American Century VP Value Subaccount
Accumulation unit value at beginning of period*	$	18.196	$	17.074	$	14.462	$	15.355	$	13.857	$	10.735	$	9.562	$	9.660	$	8.691	$	7.399
Accumulation unit value at end of period	$	16.197	$	18.196	$	17.074	$	14.462	$	15.355	$	13.857	$	10.735	$	9.562	$	9.660	$	8.691
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Bond VIP Subaccount (formerly Deutsche Bond VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	9.086	$	8.761	$	8.440	$	8.638	$	8.267	$	8.700	$	8.239	$	7.955	$	7.602	$	7.048
Accumulation unit value at end of period	$	8.666	$	9.086	$	8.761	$	8.440	$	8.638	$	8.267	$	8.700	$	8.239	$	7.955	$	7.602
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Capital Growth VIP Subaccount (formerly Deutsche Capital Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	45.605	$	36.847	$	36.069	$	33.887	$	30.611	$	23.201	$	20.402	$	21.794	$	19.057	$	15.329
Accumulation unit value at end of period	$	43.970	$	45.605	$	36.847	$	36.069	$	33.887	$	30.611	$	23.201	$	20.402	$	21.794	$	19.057
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

39

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
DWS Core Equity VIP Subaccount (formerly Deutsche Core Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	23.674	$	19.962	$	18.438	$	17.878	$	16.315	$	12.124	$	10.684	$	10.918	$	9.740	$	7.409
Accumulation unit value at end of period	$	21.877	$	23.674	$	19.962	$	18.438	$	17.878	$	16.315	$	12.124	$	10.684	$	10.918	$	9.740
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS CROCI® International VIP Subaccount (formerly Deutsche CROCI® International VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	13.603	$	11.382	$	11.529	$	12.448	$	14.397	$	12.220	$	10.337	$	12.660	$	12.712	$	9.716
Accumulation unit value at end of period	$	11.410	$	13.603	$	11.382	$	11.529	$	12.448	$	14.397	$	12.220	$	10.337	$	12.660	$	12.712
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS CROCI® U.S. VIP Subaccount (formerly Deutsche CROCI® U.S. VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	3.299	$	2.740	$	2.924	$	3.204	$	2.953	$	2.303	$	2.140	$	2.186	$	2.014	$	1.639
Accumulation unit value at end of period	$	2.893	$	3.299	$	2.740	$	2.924	$	3.204	$	2.953	$	2.303	$	2.140	$	2.186	$	2.014
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Global Equity VIP Subaccount (formerly Deutsche Global Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	2.945	$	2.423	$	2.330	$	2.420	$	2.442	$	2.089	$	1.816	$	2.108	$	1.939	$	1.530
Accumulation unit value at end of period	$	2.565	$	2.945	$	2.423	$	2.330	$	2.420	$	2.442	$	2.089	$	1.816	$	2.108	$	1.939
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Global Income Builder VIP Subaccount (formerly Deutsche Global Income Builder VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	10.923	$	9.564	$	9.137	$	9.461	$	9.299	$	8.137	$	7.350	$	7.609	$	6.981	$	5.772
Accumulation unit value at end of period	$	9.882	$	10.923	$	9.564	$	9.137	$	9.461	$	9.299	$	8.137	$	7.350	$	7.609	$	6.981
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Government & Agency Securities VIP Subaccount (formerly Deutsche Government & Agency Securities VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	2.700	$	2.710	$	2.734	$	2.791	$	2.705	$	2.847	$	2.823	$	2.681	$	2.566	$	2.423
Accumulation unit value at end of period	$	2.660	$	2.700	$	2.710	$	2.734	$	2.791	$	2.705	$	2.847	$	2.823	$	2.681	$	2.566
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

40

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
DWS Government Money Market VIP Subaccount (formerly Deutsche Government Money Market VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	2.290	$	2.326	$	2.372	$	2.421	$	2.470	$	2.520	$	2.572	$	2.624	$	2.678	$	2.724
Accumulation unit value at end of period	$	2.275	$	2.290	$	2.326	$	2.372	$	2.421	$	2.470	$	2.520	$	2.572	$	2.624	$	2.678
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS High Income VIP Subaccount (formerly Deutsche High Income VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	11.985	$	11.376	$	10.285	$	10.983	$	11.046	$	10.446	$	9.277	$	9.117	$	8.161	$	5.949
Accumulation unit value at end of period	$	11.447	$	11.985	$	11.376	$	10.285	$	10.983	$	11.046	$	10.446	$	9.277	$	9.117	$	8.161
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Small Mid Cap Growth VIP Subaccount (formerly Deutsche Small Mid Cap Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	3.635	$	3.037	$	2.841	$	2.926	$	2.825	$	2.019	$	1.802	$	1.914	$	1.509	$	1.095
Accumulation unit value at end of period	$	3.077	$	3.635	$	3.037	$	2.841	$	2.926	$	2.825	$	2.019	$	1.802	$	1.914	$	1.509
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Small Mid Cap Value VIP Subaccount (formerly Deutsche Small Mid Cap Value VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	4.300	$	3.970	$	3.466	$	3.606	$	3.487	$	2.631	$	2.360	$	2.565	$	2.127	$	1.673
Accumulation unit value at end of period	$	3.538	$	4.300	$	3.970	$	3.466	$	3.606	$	3.487	$	2.631	$	2.360	$	2.565	$	2.127
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Dreyfus MidCap Stock Subaccount
Accumulation unit value at beginning of period*	$	30.539	$	27.089	$	23.995	$	25.119	$	22.937	$	17.377	$	14.860	$	15.134	$	12.166	$	9.174
Accumulation unit value at end of period	$	25.229	$	30.539	$	27.089	$	23.995	$	25.119	$	22.937	$	17.377	$	14.860	$	15.134	$	12.166
Number of accumulation units outstanding at end of period (000’s omitted)		0		—		—		—		—		—		—		—		—		—
Dreyfus Sustainable U.S Equity Portfolio
Accumulation unit value at beginning of period*	$	48.104	$	42.561	$	39.350	$	41.482	$	37.312	$	28.343	$	25.832	$	26.125	$	23.220	$	17.716
Accumulation unit value at end of period	$	45.058	$	48.104	$	42.561	$	39.350	$	41.482	$	37.312	$	28.343	$	25.832	$	26.125	$	23.220
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Asset Manager Subaccount
Accumulation unit value at beginning of period*	$	39.268	$	35.118	$	34.768	$	35.431	$	34.164	$	30.132	$	27.338	$	28.631	$	25.570	$	20.210
Accumulation unit value at end of period	$	36.416	$	39.268	$	35.118	$	34.768	$	35.431	$	34.164	$	30.132	$	27.338	$	28.631	$	25.570
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

41

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Fidelity VIP Contrafund® Subaccount
Accumulation unit value at beginning of period*	$	76.157	$	63.764	$	60.245	$	61.070	$	55.673	$	43.274	$	37.936	$	39.715	$	34.576	$	26.000
Accumulation unit value at end of period	$	69.860	$	76.157	$	63.764	$	60.245	$	61.070	$	55.673	$	43.274	$	37.936	$	39.715	$	34.576
Number of accumulation units outstanding at end of period (000’s omitted)		0		—		—		—		—		—		—		—		—		—
Fidelity VIP Equity Income Subaccount
Accumulation unit value at beginning of period*	$	62.552	$	56.540	$	48.887	$	51.949	$	48.763	$	38.832	$	33.782	$	34.142	$	30.258	$	23.714
Accumulation unit value at end of period	$	56.206	$	62.552	$	56.540	$	48.887	$	51.949	$	48.763	$	38.832	$	33.782	$	34.142	$	30.258
Number of accumulation units outstanding at end of period (000’s omitted)		0		—		—		—		—		—		—		—		—		—
Fidelity VIP Growth Subaccount
Accumulation unit value at beginning of period*	$	106.945	$	80.757	$	81.753	$	77.844	$	71.376	$	53.426	$	47.540	$	48.415	$	39.788	$	31.651
Accumulation unit value at end of period	$	104.608	$	106.945	$	80.757	$	81.753	$	77.844	$	71.376	$	53.426	$	47.540	$	48.415	$	39.788
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Index 500 Subaccount
Accumulation unit value at beginning of period*	$	310.530	$	260.346	$	237.501	$	239.179	$	214.915	$	165.845	$	146.014	$	146.024	$	129.552	$	104.425
Accumulation unit value at end of period	$	290.590	$	310.530	$	260.346	$	237.501	$	239.179	$	214.915	$	165.845	$	146.014	$	146.024	$	129.552
Number of accumulation units outstanding at end of period (000’s omitted)		0		—		—		—		—		—		—		—		—		—
Franklin Mutual Global Discovery VIP Subaccount
Accumulation unit value at beginning of period*	$	30.155	$	28.335	$	25.776	$	27.301	$	26.356	$	21.076	$	18.975	$	19.953	$	18.187	$	15.051
Accumulation unit value at end of period	$	26.231	$	30.155	$	28.335	$	25.776	$	27.301	$	26.356	$	21.076	$	18.975	$	19.953	$	18.187
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		1		1		1		—		—		—		1		1
Franklin Mutual Shares VIP Subaccount
Accumulation unit value at beginning of period*	$	22.436	$	21.131	$	18.580	$	19.945	$	19.001	$	15.118	$	13.505	$	13.926	$	12.781	$	10.347
Accumulation unit value at end of period	$	19.990	$	22.436	$	21.131	$	18.580	$	19.945	$	19.001	$	15.118	$	13.505	$	13.926	$	12.781
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Rising Dividends VIP Subaccount
Accumulation unit value at beginning of period*	$	27.788	$	23.520	$	20.683	$	21.906	$	20.562	$	16.179	$	14.748	$	14.198	$	12.009	$	10.444
Accumulation unit value at end of period	$	25.845	$	27.788	$	23.520	$	20.683	$	21.906	$	20.562	$	16.179	$	14.748	$	14.198	$	12.009
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

42

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Franklin Small Cap Value VIP Subaccount
Accumulation unit value at beginning of period*	$	35.171	$	32.435	$	25.423	$	28.014	$	28.426	$	21.292	$	18.355	$	19.462	$	15.489	$	12.239
Accumulation unit value at end of period	$	30.023	$	35.171	$	32.435	$	25.423	$	28.014	$	28.426	$	21.292	$	18.355	$	19.462	$	15.489
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Strategic Income VIP Subaccount
Accumulation unit value at beginning of period*	$	17.047	$	16.637	$	15.728	$	16.697	$	16.728	$	16.523	$	14.955	$	14.878	$	13.689	$	11.109
Accumulation unit value at end of period	$	16.346	$	17.047	$	16.637	$	15.728	$	16.697	$	16.728	$	16.523	$	14.955	$	14.878	$	13.689
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin U.S. Government Securities VIP Subaccount
Accumulation unit value at beginning of period*	$	11.464	$	11.544	$	11.702	$	11.886	$	11.733	$	12.247	$	12.268	$	11.845	$	11.482	$	11.365
Accumulation unit value at end of period	$	11.271	$	11.464	$	11.544	$	11.702	$	11.886	$	11.733	$	12.247	$	12.268	$	11.845	$	11.482
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Templeton Developing Markets VIP Subaccount
Accumulation unit value at beginning of period*	$	31.285	$	22.736	$	19.755	$	25.077	$	27.935	$	28.773	$	25.949	$	31.470	$	27.312	$	16.149
Accumulation unit value at end of period	$	25.811	$	31.285	$	22.736	$	19.755	$	25.077	$	27.935	$	28.773	$	25.949	$	31.470	$	27.312
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Diversified Dividend Subaccount
Accumulation unit value at beginning of period*	$	11.903	$	11.187	$	9.943	$	9.941	$	8.991	$	7.002	$	6.019		N/A		N/A		N/A
Accumulation unit value at end of period	$	10.779	$	11.903	$	11.187	$	9.943	$	9.941	$	8.991	$	7.002	$	6.019		N/A		N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		N/A		N/A
Invesco V.I. Health Care Fund
Accumulation unit value at beginning of period*	$	26.080	$	22.977	$	26.482	$	26.196	$	22.339	$	16.221	$	13.692	$	13.442	$	13.027	$	10.413
Accumulation unit value at end of period	$	25.784	$	26.080	$	22.977	$	26.482	$	26.196	$	22.339	$	16.221	$	13.692	$	13.442	$	13.027
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Global Real Estate Subaccount
Accumulation unit value at beginning of period*	$	28.252	$	25.502	$	25.503	$	26.417	$	23.519	$	23.367	$	18.613	$	20.317	$	17.643	$	13.689
Accumulation unit value at end of period	$	25.978	$	28.252	$	25.502	$	25.503	$	26.417	$	23.519	$	23.367	$	18.613	$	20.317	$	17.643
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Managed Volatility Subaccount
Accumulation unit value at beginning of period*	$	30.532	$	28.181	$	25.998	$	27.114	$	22.949	$	21.145	$	20.829	$	18.253	$	17.523	$	15.559
Accumulation unit value at end of period	$	26.624	$	30.532	$	28.181	$	25.998	$	27.114	$	22.949	$	21.145	$	20.829	$	18.253	$	17.523
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

43

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Janus Henderson Balanced Subaccount
Accumulation unit value at beginning of period*	$	64.768	$	55.806	$	54.442	$	55.215	$	51.929	$	44.104	$	39.615	$	39.773	$	37.448	$	30.357
Accumulation unit value at end of period	$	63.892	$	64.768	$	55.806	$	54.442	$	55.215	$	51.929	$	44.104	$	39.615	$	39.773	$	37.448
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Enterprise Subaccount
Accumulation unit value at beginning of period*	$	83.617	$	66.964	$	60.815	$	59.658	$	54.105	$	41.709	$	36.291	$	37.567	$	30.462	$	21.465
Accumulation unit value at end of period	$	81.588	$	83.617	$	66.964	$	60.815	$	59.658	$	54.105	$	41.709	$	36.291	$	37.567	$	30.462
Number of accumulation units outstanding at end of period (000’s omitted)		0		—		—		—		—		—		—		—		—		—
Janus Henderson Global Research Subaccount
Accumulation unit value at beginning of period*	$	47.377	$	38.058	$	38.051	$	39.739	$	37.744	$	29.992	$	25.490	$	30.156	$	26.566	$	19.689
Accumulation unit value at end of period	$	43.232	$	47.377	$	38.058	$	38.051	$	39.739	$	37.744	$	29.992	$	25.490	$	30.156	$	26.566
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Mid Cap Value Subaccount
Accumulation unit value at beginning of period*	$	33.773	$	30.329	$	26.059	$	27.613	$	25.986	$	21.078	$	19.416	$	20.422	$	18.065	$	13.870
Accumulation unit value at end of period	$	28.517	$	33.773	$	30.329	$	26.059	$	27.613	$	25.986	$	21.078	$	19.416	$	20.422	$	18.065
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Research Subaccount
Accumulation unit value at beginning of period*	$	47.443	$	37.858	$	38.439	$	37.237	$	33.630	$	26.331	$	22.660	$	24.418	$	21.760	$	16.286
Accumulation unit value at end of period	$	45.287	$	47.443	$	37.858	$	38.439	$	37.237	$	33.630	$	26.331	$	22.660	$	24.418	$	21.760
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust MidCap Value Subaccount
Accumulation unit value at beginning of period*	$	27.573	$	24.732	$	22.004	$	23.068	$	20.451	$	15.775	$	13.374	$	13.359	$	11.042	$	8.811
Accumulation unit value at end of period	$	23.818	$	27.573	$	24.732	$	22.004	$	23.068	$	20.451	$	15.775	$	13.374	$	13.359	$	11.042
Number of accumulation units outstanding at end of period (000’s omitted)		0		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust Small Cap Core Subaccount
Accumulation unit value at beginning of period*	$	36.539	$	32.359	$	27.468	$	29.594	$	27.556	$	19.762	$	16.845	$	18.051	$	14.490		N/A
Accumulation unit value at end of period	$	31.530	$	36.539	$	32.359	$	27.468	$	29.594	$	27.556	$	19.762	$	16.845	$	18.051	$	14.490
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		—		—		—		1		1
JPMorgan Insurance Trust US Equity Subaccount
Accumulation unit value at beginning of period*	$	26.209	$	21.863	$	20.110	$	20.347	$	18.229	$	13.657	$	11.847	$	12.319	$	11.069	$	8.450
Accumulation unit value at end of period	$	24.097	$	26.209	$	21.863	$	20.110	$	20.347	$	18.229	$	13.657	$	11.847	$	12.319	$	11.069
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

44

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Oppenheimer Capital Appreciation Subaccount
Accumulation unit value at beginning of period*	$	23.059	$	18.601	$	19.453	$	19.224	$	17.040	$	13.436	$	12.048	$	12.466	$	11.656	$	8.251
Accumulation unit value at end of period	$	21.248	$	23.059	$	18.601	$	19.453	$	19.224	$	17.040	$	13.436	$	12.048	$	12.466	$	11.656
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Discovery Mid Cap Subaccount
Accumulation unit value at beginning of period*	$	26.175	$	20.793	$	20.786	$	19.946	$	19.289	$	14.514		N/A		N/A		N/A		N/A
Accumulation unit value at end of period	$	24.029	$	26.175	$	20.793	$	20.786	$	19.946	$	19.289	$	14.514		N/A		N/A		N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		N/A		N/A		N/A
Oppenheimer Global Subaccount
Accumulation unit value at beginning of period*	$	34.844	$	26.083	$	26.658	$	26.241	$	26.240	$	21.086	$	17.792	$	19.848	$	17.506	$	12.820
Accumulation unit value at end of period	$	29.568	$	34.844	$	26.083	$	26.658	$	26.241	$	26.240	$	21.086	$	17.792	$	19.848	$	—
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Global Strategic Income Subaccount
Accumulation unit value at beginning of period*	$	15.712	$	15.120	$	14.520	$	15.196	$	15.131	$	15.498	$	13.978	$	14.172	$	12.601	$	10.860
Accumulation unit value at end of period	$	14.696	$	15.712	$	15.120	$	14.520	$	15.196	$	15.131	$	15.498	$	13.978	$	14.172	$	12.601
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Main Street Subaccount
Accumulation unit value at beginning of period*	$	25.698	$	22.483	$	20.613	$	20.402	$	18.859	$	14.642	$	12.814	$	13.118	$	11.558	$	9.215
Accumulation unit value at end of period	$	23.140	$	25.698	$	22.483	$	20.613	$	20.402	$	18.859	$	14.642	$	12.814	$	13.118	$	11.558
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Main Street Small Cap Subaccount
Accumulation unit value at beginning of period*	$	36.028	$	32.275	$	27.989	$	30.416	$	27.799	$	20.174	$	17.497	$	18.291	$	15.168	$	11.308
Accumulation unit value at end of period	$	31.580	$	36.028	$	32.275	$	27.989	$	30.416	$	27.799	$	20.174	$	17.497	$	18.291	$	15.168
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Voya Global Equity Subaccount
Accumulation unit value at beginning of period*	$	12.118	$	10.018	$	9.666	$	10.418		N/A		N/A		N/A		N/A		N/A		N/A
Accumulation unit value at end of period	$	10.792	$	12.118	$	10.018	$	9.666		N/A		N/A		N/A		N/A		N/A		N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		N/A		N/A		N/A		N/A		N/A		N/A
VY JPMorgan Emerging Markets Equity
Accumulation unit value at beginning of period*	$	28.186	$	20.063	$	18.076	$	21.846	$	22.047	$	23.806	$	20.360	$	25.353	$	21.448	$	12.724
Accumulation unit value at end of period	$	23.036	$	28.186	$	20.063	$	18.076	$	21.846	$	22.047	$	23.806	$	20.360	$	25.353	$	21.448
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

45

Additional Contract Options Elected (0.75%)

(Separate Account Charges of 2.05% of the Daily Net Assets of the Separate Account)

Periodic Payment Contracts

Non Tax Qualified (2.05%)

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Alger Large Cap Growth Subaccount
Accumulation unit value at beginning of period*	$	96.463	$	76.623	$	78.843	$	79.101	$	72.732	$	54.947	$	51.041	$	52.267	$	47.040	$	32.529
Accumulation unit value at end of period	$	96.599	$	96.463	$	76.623	$	78.843	$	79.101	$	72.732	$	54.947	$	51.041	$	52.267	$	47.040
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Alger MidCap Growth Subaccount
Accumulation unit value at beginning of period*	$	58.107	$	45.685	$	46.169	$	47.864	$	45.223	$	33.973	$	29.835	$	33.193	$	28.373	$	19.086
Accumulation unit value at end of period	$	52.694	$	58.107	$	45.685	$	46.169	$	47.864	$	45.223	$	33.973	$	29.835	$	33.193	$	28.373
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Alger Small Cap Growth Subaccount
Accumulation unit value at beginning of period*	$	85.847	$	68.050	$	65.363	$	68.993	$	70.101	$	52.283	$	48.336	$	50.946	$	41.494	$	29.102
Accumulation unit value at end of period	$	85.320	$	85.847	$	68.050	$	65.363	$	68.993	$	70.101	$	52.283	$	48.336	$	50.946	$	41.494
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
American Century VP Income & Growth Subaccount
Accumulation unit value at beginning of period*	$	13.558	$	11.482	$	10.325	$	11.164	$	10.127	$	7.609	$	6.767	$	6.697	$	5.987	$	5.174
Accumulation unit value at end of period	$	12.371	$	13.558	$	11.482	$	10.325	$	11.164	$	10.127	$	7.609	$	6.767	$	6.697	$	5.987
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
American Century VP Value Subaccount
Accumulation unit value at beginning of period*	$	18.196	$	17.074	$	14.462	$	15.355	$	13.857	$	10.735	$	9.562	$	9.660	$	8.691	$	7.399
Accumulation unit value at end of period	$	16.197	$	18.196	$	17.074	$	14.462	$	15.355	$	13.857	$	10.735	$	9.562	$	9.660	$	8.691
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Bond VIP Subaccount (formerly Deutsche Bond VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	9.086	$	8.761	$	8.440	$	8.638	$	8.267	$	8.700	$	8.239	$	7.955	$	7.602	$	7.048
Accumulation unit value at end of period	$	8.666	$	9.086	$	8.761	$	8.440	$	8.638	$	8.267	$	8.700	$	8.239	$	7.955	$	7.602
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Capital Growth VIP Subaccount (formerly Deutsche Capital Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	45.605	$	36.847	$	36.069	$	33.887	$	30.611	$	23.201	$	20.402	$	21.794	$	19.057	$	15.329
Accumulation unit value at end of period	$	43.970	$	45.605	$	36.847	$	36.069	$	33.887	$	30.611	$	23.201	$	20.402	$	21.794	$	19.057
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

46

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
DWS Core Equity VIP Subaccount (formerly Deutsche Core Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	23.674	$	19.962	$	18.438	$	17.878	$	16.315	$	12.124	$	10.684	$	10.918	$	9.740	$	7.409
Accumulation unit value at end of period	$	21.877	$	23.674	$	19.962	$	18.438	$	17.878	$	16.315	$	12.124	$	10.684	$	10.918	$	9.740
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS CROCI® International VIP Subaccount (formerly Deutsche CROCI® International VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	13.603	$	11.382	$	11.529	$	12.448	$	14.397	$	12.220	$	10.337	$	12.660	$	12.712	$	9.716
Accumulation unit value at end of period	$	11.410	$	13.603	$	11.382	$	11.529	$	12.448	$	14.397	$	12.220	$	10.337	$	12.660	$	12.712
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS CROCI® U.S. VIP Subaccount (formerly Deutsche CROCI® U.S. VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	3.299	$	2.740	$	2.924	$	3.204	$	2.953	$	2.303	$	2.140	$	2.186	$	2.014	$	1.639
Accumulation unit value at end of period	$	2.893	$	3.299	$	2.740	$	2.924	$	3.204	$	2.953	$	2.303	$	2.140	$	2.186	$	2.014
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Global Equity VIP Subaccount (formerly Deutsche Global Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	2.945	$	2.423	$	2.330	$	2.420	$	2.442	$	2.089	$	1.816	$	2.108	$	1.939	$	1.530
Accumulation unit value at end of period	$	2.565	$	2.945	$	2.423	$	2.330	$	2.420	$	2.442	$	2.089	$	1.816	$	2.108	$	1.939
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Global Income Builder VIP Subaccount (formerly Deutsche Global Income Builder VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	10.177	$	8.911	$	8.513	$	8.815	$	8.664	$	8.137	$	7.350	$	7.089	$	6.504	$	5.772
Accumulation unit value at end of period	$	9.207	$	10.177	$	8.911	$	8.513	$	8.815	$	8.664	$	8.137	$	7.350	$	7.089	$	6.504
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Government & Agency Securities VIP Subaccount (formerly Deutsche Government & Agency Securities VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	2.700	$	2.710	$	2.734	$	2.791	$	2.705	$	2.847	$	2.823	$	2.681	$	2.566	$	2.423
Accumulation unit value at end of period	$	2.660	$	2.700	$	2.710	$	2.734	$	2.791	$	2.705	$	2.847	$	2.823	$	2.681	$	2.566
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

47

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
DWS Government Money Market VIP Subaccount (formerly Deutsche Government Money Market VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	2.290	$	2.326	$	2.372	$	2.421	$	2.470	$	2.520	$	2.572	$	2.624	$	2.678	$	2.724
Accumulation unit value at end of period	$	2.275	$	2.290	$	2.326	$	2.372	$	2.421	$	2.470	$	2.520	$	2.572	$	2.624	$	2.678
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS High Income VIP Subaccount (formerly Deutsche High Income VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	11.675	$	11.082	$	10.019	$	10.700	$	10.760	$	10.446	$	9.277	$	8.881	$	7.950	$	5.949
Accumulation unit value at end of period	$	11.152	$	11.675	$	11.082	$	10.019	$	10.700	$	10.760	$	10.446	$	9.277	$	8.881	$	7.950
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Small Mid Cap Growth VIP Subaccount (formerly Deutsche Small Mid Cap Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	3.635	$	3.037	$	2.841	$	2.926	$	2.825	$	2.019	$	1.802	$	1.914	$	1.509	$	1.095
Accumulation unit value at end of period	$	3.077	$	3.635	$	3.037	$	2.841	$	2.926	$	2.825	$	2.019	$	1.802	$	1.914	$	1.509
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Small Mid Cap Value VIP Subaccount (formerly Deutsche Small Mid Cap Value VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period*	$	4.300	$	3.970	$	3.466	$	3.606	$	3.487	$	2.631	$	2.360	$	2.565	$	2.127	$	1.673
Accumulation unit value at end of period	$	3.538	$	4.300	$	3.970	$	3.466	$	3.606	$	3.487	$	2.631	$	2.360	$	2.565	$	2.127
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Dreyfus MidCap Stock Subaccount
Accumulation unit value at beginning of period*	$	30.539	$	27.089	$	23.995	$	25.119	$	22.937	$	17.377	$	14.860	$	15.134	$	12.166	$	9.174
Accumulation unit value at end of period	$	25.229	$	30.539	$	27.089	$	23.995	$	25.119	$	22.937	$	17.377	$	14.860	$	15.134	$	12.166
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Dreyfus Sustainable U.S Equity Portfolio
Accumulation unit value at beginning of period*	$	48.104	$	42.561	$	39.350	$	41.482	$	37.312	$	28.343	$	25.832	$	26.125	$	23.220	$	17.716
Accumulation unit value at end of period	$	45.058	$	48.104	$	42.561	$	39.350	$	41.482	$	37.312	$	28.343	$	25.832	$	26.125	$	23.220
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Asset Manager Subaccount
Accumulation unit value at beginning of period*	$	39.268	$	35.118	$	34.768	$	35.431	$	34.164	$	30.132	$	27.338	$	28.631	$	25.570	$	20.210
Accumulation unit value at end of period	$	36.416	$	39.268	$	35.118	$	34.768	$	35.431	$	34.164	$	30.132	$	27.338	$	28.631	$	25.570
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

48

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Fidelity VIP Contrafund® Subaccount
Accumulation unit value at beginning of period*	$	76.157	$	63.764	$	60.245	$	61.070	$	55.673	$	43.274	$	37.936	$	39.715	$	34.576	$	26.000
Accumulation unit value at end of period	$	69.860	$	76.157	$	63.764	$	60.245	$	61.070	$	55.673	$	43.274	$	37.936	$	39.715	$	34.576
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Equity Income Subaccount
Accumulation unit value at beginning of period*	$	62.552	$	56.540	$	48.887	$	51.949	$	48.763	$	38.832	$	33.782	$	34.142	$	30.258	$	23.714
Accumulation unit value at end of period	$	56.206	$	62.552	$	56.540	$	48.887	$	51.949	$	48.763	$	38.832	$	33.782	$	34.142	$	30.258
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Growth Subaccount
Accumulation unit value at beginning of period*	$	106.945	$	80.757	$	81.753	$	77.844	$	71.376	$	53.426	$	47.540	$	48.415	$	39.788	$	31.651
Accumulation unit value at end of period	$	104.608	$	106.945	$	80.757	$	81.753	$	77.844	$	71.376	$	53.426	$	47.540	$	48.415	$	39.788
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Index 500 Subaccount
Accumulation unit value at beginning of period*	$	310.530	$	260.346	$	237.501	$	239.179	$	214.915	$	165.845	$	146.014	$	146.024	$	129.552	$	104.425
Accumulation unit value at end of period	$	290.590	$	310.530	$	260.346	$	237.501	$	239.179	$	214.915	$	165.845	$	146.014	$	146.024	$	129.552
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Mutual Global Discovery VIP Subaccount
Accumulation unit value at beginning of period*	$	30.155	$	28.335	$	25.776	$	27.301	$	26.356	$	21.076	$	18.975	$	19.953	$	18.187	$	15.051
Accumulation unit value at end of period	$	26.231	$	30.155	$	28.335	$	25.776	$	27.301	$	26.356	$	21.076	$	18.975	$	19.953	$	18.187
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		1		—
Franklin Mutual Shares VIP Subaccount
Accumulation unit value at beginning of period*	$	22.436	$	21.131	$	18.580	$	19.945	$	19.001	$	15.118	$	13.505	$	13.926	$	12.781	$	10.347
Accumulation unit value at end of period	$	19.990	$	22.436	$	21.131	$	18.580	$	19.945	$	19.001	$	15.118	$	13.505	$	13.926	$	12.781
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Rising Dividends VIP Subaccount
Accumulation unit value at beginning of period*	$	27.788	$	23.520	$	20.683	$	21.906	$	20.562	$	16.179	$	14.748	$	14.198	$	12.009	$	10.444
Accumulation unit value at end of period	$	25.845	$	27.788	$	23.520	$	20.683	$	21.906	$	20.562	$	16.179	$	14.748	$	14.198	$	12.009
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

49

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Franklin Small Cap Value VIP Subaccount
Accumulation unit value at beginning of period*	$	35.171	$	32.435	$	25.423	$	28.014	$	28.426	$	21.292	$	18.355	$	19.462	$	15.489	$	12.239
Accumulation unit value at end of period	$	30.023	$	35.171	$	32.435	$	25.423	$	28.014	$	28.426	$	21.292	$	18.355	$	19.462	$	15.489
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Strategic Income VIP Subaccount
Accumulation unit value at beginning of period*	$	17.047	$	16.637	$	15.728	$	16.697	$	16.728	$	16.523	$	14.955	$	14.878	$	13.689	$	11.109
Accumulation unit value at end of period	$	16.346	$	17.047	$	16.637	$	15.728	$	16.697	$	16.728	$	16.523	$	14.955	$	14.878	$	13.689
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin U.S. Government Securities VIP Subaccount
Accumulation unit value at beginning of period*	$	11.464	$	11.544	$	11.702	$	11.886	$	11.733	$	12.247	$	12.268	$	11.845	$	11.482	$	11.365
Accumulation unit value at end of period	$	11.271	$	11.464	$	11.544	$	11.702	$	11.886	$	11.733	$	12.247	$	12.268	$	11.845	$	11.482
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Templeton Developing Markets VIP Subaccount
Accumulation unit value at beginning of period*	$	31.285	$	22.736	$	19.755	$	25.077	$	27.935	$	28.773	$	25.949	$	31.470	$	27.312	$	16.149
Accumulation unit value at end of period	$	25.811	$	31.285	$	22.736	$	19.755	$	25.077	$	27.935	$	28.773	$	25.949	$	31.470	$	27.312
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Diversified Dividend Subaccount
Accumulation unit value at beginning of period*	$	11.903	$	11.187	$	9.943	$	9.941	$	8.991	$	7.002	$	6.019		N/A		N/A		N/A
Accumulation unit value at end of period	$	10.779	$	11.903	$	11.187	$	9.943	$	9.941	$	8.991	$	7.002	$	6.019		N/A		N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		N/A		N/A
Invesco V.I. Health Care Fund
Accumulation unit value at beginning of period*	$	26.080	$	22.977	$	26.482	$	26.196	$	22.339	$	16.221	$	13.692	$	13.442	$	13.027	$	10.413
Accumulation unit value at end of period	$	25.784	$	26.080	$	22.977	$	26.482	$	26.196	$	22.339	$	16.221	$	13.692	$	13.442	$	13.027
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Global Real Estate Subaccount
Accumulation unit value at beginning of period*	$	28.252	$	25.502	$	25.503	$	26.417	$	23.519	$	23.367	$	18.613	$	20.317	$	17.643	$	13.689
Accumulation unit value at end of period	$	25.978	$	28.252	$	25.502	$	25.503	$	26.417	$	23.519	$	23.367	$	18.613	$	20.317	$	17.643
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Managed Volatility Subaccount
Accumulation unit value at beginning of period*	$	30.532	$	28.181	$	25.998	$	27.114	$	22.949	$	21.145	$	20.829	$	18.253	$	17.523	$	15.559
Accumulation unit value at end of period	$	26.624	$	30.532	$	28.181	$	25.998	$	27.114	$	22.949	$	21.145	$	20.829	$	18.253	$	17.523
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

50

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Janus Henderson Balanced Subaccount
Accumulation unit value at beginning of period*	$	64.768	$	55.806	$	54.442	$	55.215	$	51.929	$	44.104	$	39.615	$	39.773	$	37.448	$	30.357
Accumulation unit value at end of period	$	63.892	$	64.768	$	55.806	$	54.442	$	55.215	$	51.929	$	44.104	$	39.615	$	39.773	$	37.448
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Enterprise Subaccount
Accumulation unit value at beginning of period*	$	83.617	$	66.964	$	60.815	$	59.658	$	54.105	$	41.709	$	36.291	$	37.567	$	30.462	$	21.465
Accumulation unit value at end of period	$	81.588	$	83.617	$	66.964	$	60.815	$	59.658	$	54.105	$	41.709	$	36.291	$	37.567	$	30.462
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Global Research Subaccount
Accumulation unit value at beginning of period*	$	47.377	$	38.058	$	38.051	$	39.739	$	37.744	$	29.992	$	25.490	$	30.156	$	26.566	$	19.689
Accumulation unit value at end of period	$	43.232	$	47.377	$	38.058	$	38.051	$	39.739	$	37.744	$	29.992	$	25.490	$	30.156	$	26.566
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Mid Cap Value Subaccount
Accumulation unit value at beginning of period*	$	33.773	$	30.329	$	26.059	$	27.613	$	25.986	$	21.078	$	19.416	$	20.422	$	18.065	$	13.870
Accumulation unit value at end of period	$	28.517	$	33.773	$	30.329	$	26.059	$	27.613	$	25.986	$	21.078	$	19.416	$	20.422	$	18.065
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Research Subaccount
Accumulation unit value at beginning of period*	$	47.443	$	37.858	$	38.439	$	37.237	$	33.630	$	26.331	$	22.660	$	24.418	$	21.760	$	16.286
Accumulation unit value at end of period	$	45.287	$	47.443	$	37.858	$	38.439	$	37.237	$	33.630	$	26.331	$	22.660	$	24.418	$	21.760
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust MidCap Value Subaccount
Accumulation unit value at beginning of period*	$	27.573	$	24.732	$	22.004	$	23.068	$	20.451	$	15.775	$	13.374	$	16.981	$	16.171	$	8.811
Accumulation unit value at end of period	$	23.818	$	27.573	$	24.732	$	22.004	$	23.068	$	20.451	$	15.775	$	13.374	$	16.981	$	16.171
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust Small Cap Core Subaccount
Accumulation unit value at beginning of period*	$	36.539	$	32.359	$	27.468	$	29.594	$	27.556	$	19.762	$	16.845	$	13.359	$	11.042	$	8.811
Accumulation unit value at end of period	$	31.530	$	36.539	$	32.359	$	27.468	$	29.594	$	27.556	$	19.762	$	16.845	$	13.359	$	11.042
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust US Equity Subaccount
Accumulation unit value at beginning of period*	$	26.209	$	21.863	$	20.110	$	20.347	$	18.229	$	13.657	$	11.847	$	12.319	$	11.069	$	8.450
Accumulation unit value at end of period	$	24.097	$	26.209	$	21.863	$	20.110	$	20.347	$	18.229	$	13.657	$	11.847	$	12.319	$	11.069
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

51

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Oppenheimer Capital Appreciation Subaccount
Accumulation unit value at beginning of period*	$	23.059	$	18.601	$	19.453	$	19.224	$	17.040	$	13.436	$	12.048	$	12.466	$	11.656	$	8.251
Accumulation unit value at end of period	$	21.248	$	23.059	$	18.601	$	19.453	$	19.224	$	17.040	$	13.436	$	12.048	$	12.466	$	11.656
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Discovery Mid Cap Subaccount
Accumulation unit value at beginning of period*	$	26.175	$	20.793	$	20.786	$	19.946	$	19.289	$	14.514		N/A		N/A		N/A		N/A
Accumulation unit value at end of period	$	24.029	$	26.175	$	20.793	$	20.786	$	19.946	$	19.289	$	14.514		N/A		N/A		N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		N/A		N/A		N/A
Oppenheimer Global Subaccount
Accumulation unit value at beginning of period*	$	34.844	$	26.083	$	26.658	$	26.241	$	26.240	$	21.086	$	17.792	$	19.848	$	17.506	$	12.820
Accumulation unit value at end of period	$	29.568	$	34.844	$	26.083	$	26.658	$	26.241	$	26.240	$	21.086	$	17.792	$	19.848	$	17.506
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Global Strategic Income Subaccount
Accumulation unit value at beginning of period*	$	15.712	$	15.120	$	14.520	$	15.196	$	15.131	$	15.498	$	13.978	$	14.172	$	12.601	$	10.860
Accumulation unit value at end of period	$	14.696	$	15.712	$	15.120	$	14.520	$	15.196	$	15.131	$	15.498	$	13.978	$	14.172	$	12.601
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Main Street Subaccount
Accumulation unit value at beginning of period*	$	25.698	$	22.483	$	20.613	$	20.402	$	18.859	$	14.642	$	12.814	$	13.118	$	11.558	$	9.215
Accumulation unit value at end of period	$	23.140	$	25.698	$	22.483	$	20.613	$	20.402	$	18.859	$	14.642	$	12.814	$	13.118	$	11.558
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Main Street Small Cap Subaccount
Accumulation unit value at beginning of period*	$	36.028	$	32.275	$	27.989	$	30.416	$	27.799	$	20.174	$	17.497	$	18.291	$	15.168	$	11.308
Accumulation unit value at end of period	$	31.580	$	36.028	$	32.275	$	27.989	$	30.416	$	27.799	$	20.174	$	17.497	$	18.291	$	15.168
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Voya Global Equity Subaccount
Accumulation unit value at beginning of period*	$	12.118	$	10.018	$	9.666	$	10.418		N/A		N/A		N/A		N/A		N/A		N/A
Accumulation unit value at end of period	$	10.792	$	12.118	$	10.018	$	9.666		N/A		N/A		N/A		N/A		N/A		N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		N/A		N/A		N/A		N/A		N/A		N/A
VY JPMorgan Emerging Markets Equity
Accumulation unit value at beginning of period*	$	28.186	$	20.063	$	18.076	$	21.846	$	22.047	$	23.806	$	20.360	$	25.353	$	21.448	$	12.724
Accumulation unit value at end of period	$	23.036	$	28.186	$	20.063	$	18.076	$	21.846	$	22.047	$	23.806	$	20.360	$	25.353	$	21.448
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

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ZALICO, THE SEPARATE ACCOUNT AND THE FUNDS

Zurich American Life Insurance Company

We were organized in 1947 and are a stock life insurance company organized under the laws of the State of Illinois. Our offices are located at 1299 Zurich Way, Schaumburg, Illinois 60196. For Insurance Services please write us at P.O. Box 758557, Topeka, KS 66675-8557. We offer annuity and life insurance products and are admitted to do business in the District of Columbia and all states except New York. We are a wholly-owned subsidiary of Zurich American Corporation (formerly Kemper Corporation), a non-operating holding company. Zurich American Corporation is an indirect wholly-owned subsidiary of Zurich Insurance Group Ltd. (fomerly known as Zurich Financial Services Ltd.), a Swiss holding company. Effective August 22, 2010, Kemper Investors Life Insurance Company (“KILICO”), the insurance company that issued your Contract, changed its name to Zurich American Life Insurance Company, or ZALICO. The change in the name of the insurance company from KILICO to ZALICO does not change or alter any of the terms or provisions of your Contract. ZALICO will continue to honor all its obligations under your Contract. ZALICO remains organized under the laws of the State of Illinois. ZALICO continues to be a wholly-owned subsidiary of Zurich American Corporation and an indirect wholly-owned subsidiary of Zurich Insurance Group Ltd.

Effective September 3, 2003 (the “Closing Date”), ZALICO transferred certain of its business, as well as the capital stock of its wholly-owned subsidiaries, to its former affiliate, Federal Kemper Life Assurance Company (“FKLA”). In a contemporaneous transaction, FKLA and ZALICO entered into a coinsurance agreement under which FKLA administers the business and the records of, and 100% reinsures, certain lines of business issued by ZALICO, including certain registered variable annuity contracts that are funded through the ZALICO Variable Annuity Separate Account (the “Separate Account”). These transfers were part of a larger transaction under which the capital stock of FKLA was sold to Bank One Insurance Holdings, Inc. (“Bank One”). On July 1, 2004, Bank One merged into JP Morgan Chase & Co., and FKLA changed its name to Chase Insurance Life and Annuity Company (“Chase Insurance”).

On July 3, 2006, Protective Life Insurance Company of Birmingham, Alabama (“Protective Life”), purchased Chase Insurance from JP Morgan Chase & Co. Effective April 1, 2007, Chase Insurance merged with and into Protective Life. Protective Life has reinsured 100% of the variable annuity business of Chase Insurance to Commonwealth Annuity and Life Insurance Company, a subsidiary of Global Atlantic Financial Group Limited.

The issuer, benefits and provisions of the Contracts were not changed by any of the transactions and agreements described above.

The Separate Account

We established the ZALICO Variable Annuity Separate Account (formerly KILICO Variable Annuity Separate Account) on May 29, 1981 under Illinois law as the KILICO Money Market Separate Account. The Separate Account is registered with the SEC as a unit investment trust, however, the SEC does not supervise the management, investment practices or policies of the Separate Account or ZALICO.

Benefits provided under the Contracts are our obligations. Although the assets in the Separate Account are our property, they are held separately from our other assets and are not chargeable with liabilities arising out of any other business we may conduct. Income, capital gains and capital losses, whether or not realized, from the assets allocated to the Separate Account are credited to or charged against the Separate Account without regard to the income, capital gains and capital losses arising out of any other business we may conduct.

Fifty-one Subaccounts of the Separate Account are currently available. Each Subaccount invests exclusively in shares of one of the corresponding Funds or Portfolios. We may add or delete Subaccounts in the future. Not all Subaccounts may be available in all jurisdictions, under all Contracts or in all retirement plans.

The Separate Account purchases and redeems shares from the Funds at net asset value. We redeem shares of the Funds as necessary to provide benefits, to deduct Contract charges and to transfer assets from one Subaccount to another as requested by Owners. All dividends and capital gains distributions received by the

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Separate Account from a Fund or Portfolio are reinvested in that Fund or Portfolio at net asset value and retained as assets of the corresponding Subaccount.

The Separate Account’s financial statements appear in the Statement of Additional Information.

The Funds

The Separate Account invests in shares of the following registered, open-end management investment companies:

• AIM Variable Insurance Funds (Invesco Variable Insurance Funds)

• The Alger Portfolios

• American Century Variable Portfolios, Inc.

• Dreyfus Investment Portfolios

• The Dreyfus Sustainable U.S. Equity Portfolio, Inc.

• Deutsche DWS Variable Series I

• Deutsche DWS Variable Series II

• Fidelity Variable Insurance Products Funds

• Franklin Templeton Variable Insurance Products Trust

• Voya Investors Trust

• JPMorgan Insurance Trust

• Janus Aspen Series

• Oppenheimer Variable Account Funds

• Voya Variable Portfolios, Inc.

SEC registration does not involve SEC supervision of the Funds’ management, investment practices or policies. The Funds provide investment vehicles for variable life insurance and variable annuity contracts and, in some cases certain qualified retirement plans. Shares of the Funds are sold only to insurance company separate accounts and qualified retirement plans. In addition to selling shares to our separate accounts, shares of the Funds may be sold to separate accounts of other insurance companies. It is conceivable that in the future it may be disadvantageous for variable life insurance separate accounts and variable annuity separate accounts of other companies, or for variable life insurance separate accounts, variable annuity separate accounts and qualified retirement plans to invest simultaneously in the Funds. Currently, neither we nor the Funds foresee any such disadvantages to variable life insurance owners, variable annuity owners or qualified retirement plans. The Funds must monitor events to identify material conflicts between such owners and determine what action, if any, should be taken. In addition, if we believe a Fund’s response to any of those events or conflicts insufficiently protects Owners, we will take appropriate action.

A Fund may consist of separate Portfolios. The assets of each Portfolio are held separate from the assets of the other Portfolios, and each Portfolio has its own distinct investment objective and policies. Each Portfolio operates as a separate investment fund, and the investment performance of one Portfolio has no effect on the investment performance of any other Portfolio.

The 51 Portfolios or Funds are summarized below:

AIM Variable Insurance Funds (Invesco Variable Insurance Funds) (Series I Shares)

Invesco V.I. Diversified Dividend Fund—The Fund’s investment objective is to provide reasonable current income and long-term growth of income and capital.

Invesco V.I. Health Care Fund—The Fund’s investment objective is long-term growth of capital.

Invesco V.I. Global Real Estate Fund—The Funds investment objective is total return through growth of capital and current income.

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Invesco V.I. Managed Volatility Fund—The Fund’s investment objective is both capital appreciation and current income while managing portfolio volatility.

The Alger Portfolios (Class I-2 Shares)

Alger Large Cap Growth Portfolio seeks long-term capital appreciation.

Alger Mid Cap Growth Portfolio seeks long-term capital appreciation.

Alger Small Cap Growth Portfolio seeks long-term capital appreciation.

American Century Variable Portfolios, Inc. (Class I Shares)

American Century VP Income & Growth Fund seeks capital growth by investing in common stocks. Income is a secondary objective.

American Century VP Value Fund seeks long-term capital growth. Income is a secondary objective.

Dreyfus Investment Portfolios (Service Shares)

Dreyfus MidCap Stock Portfolio—The fund seeks investment results that are greater than the total return performance of publicly traded common stocks of medium-size domestic companies in the aggregate, as represented by the Standard & Poor’s MidCap 400^® Index (S&P 400).

The Dreyfus Sustainable U.S. Equity Portfolio, Inc. (Initial Share Class)

The Dreyfus Sustainable U.S. Equity Portfolio, Inc. seeks to provide long-term capital appreciation.

Deutsche DWS Variable Series I (Class A Shares)

DWS Bond VIP seeks to maximize total return consistent with preservation of capital and prudent investment management.

DWS Capital Growth VIP seeks to provide long-term growth of capital.

DWS Core Equity VIP seeks long-term growth of capital, current income and growth of income.

DWS CROCI^® International VIP seeks long-term growth of capital.

Deutsche DWS Variable Series II (Class A Shares)

DWS Global Income Builder VIP seeks to maximize income while maintaining prospects for capital appreciation.

DWS Global Equity VIP seeks capital appreciation.

DWS Small Mid Cap Value VIP seeks long-term capital appreciation.

DWS Government & Agency Securities VIP seeks high current income consistent with preservation of capital.

DWS High Income VIP seeks to provide a high level of current income.

DWS CROCI^® U.S. VIP seeks to achieve a high rate of total return.

DWS Government Money Market VIP seeks maximum current income to the extent consistent with stability of principal.

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DWS Small Mid Cap Growth VIP seeks long-term capital appreciation.

Fidelity Variable Insurance Products Funds (Initial Class Shares)

Fidelity VIP Asset Manager^SM Portfolio seeks to obtain high total return with reduced risk over the long term by allocating its assets among stocks, bonds, and short-term instruments.

Fidelity VIP Contrafund^® Portfolio seeks long-term capital appreciation.

Fidelity VIP Equity-Income Portfolio seeks reasonable income.

Fidelity VIP Growth Portfolio seeks to achieve capital appreciation.

Fidelity VIP Index 500 Portfolio The 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.

Franklin Templeton Variable Insurance Products Trust (Class 2 Shares)

Franklin Rising Dividends VIP Fund seeks long-term capital appreciation, with preservation of capital as an important consideration.

Franklin Small Cap Value VIP Fund seeks long-term total return.

Franklin Strategic Income VIP Fund seeks a high level of current income, with capital appreciation over the long term as a secondary goal.

Franklin U.S. Government Securities VIP Fund seeks income.

Franklin Mutual Global Discovery VIP Fund seeks capital appreciation.

Franklin Mutual Shares VIP Fund seeks capital appreciation, with income as a secondary goal.

Templeton Developing Markets VIP Fund seeks long-term capital appreciation.

JPMorgan Insurance Trust (Class 1 Shares)

JPMorgan Insurance Trust Mid Cap Value Portfolio seeks capital appreciation with the secondary goal of achieving current income by investing primarily in equity securities.

JPMorgan Insurance Trust Small Cap Core Portfolio seeks capital growth over the long term.

JPMorgan Insurance Trust U.S. Equity Portfolio seeks to provide high total return from a portfolio of selected equity securities.

Janus Aspen Series

Janus Henderson Balanced Portfolio (Institutional Shares) seeks long-term capital growth, consistent with preservation of capital and balanced by current income.

Janus Henderson Enterprise Portfolio (Institutional Shares) seeks long-term growth of capital.

Janus Henderson Research Portfolio (Institutional Shares) seeks long-term growth of capital.

Janus Henderson Mid Cap Value Portfolio (Service Shares) seeks capital appreciation.

Janus Henderson Global Research Portfolio (Institutional Shares) seeks long-term growth of capital.

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Oppenheimer Variable Account Funds (Service Shares)

Oppenheimer Capital Appreciation Fund/VA seeks capital appreciation.

Oppenheimer Global Fund/VA seeks capital appreciation.

Oppenheimer Main Street Fund^®/VA seeks capital appreciation.

Oppenheimer Main Street Small Cap Fund^®/VA seeks capital appreciation.

Oppenheimer Discovery Mid Cap Growth Fund/VA seeks capital appreciation.

Oppenheimer Global Strategic Income Fund/VA seeks total return.

Voya Investors Trust

VY^® JPMorgan Emerging Markets Equity Portfolio (Institutional Class Shares) seeks capital appreciation.

Voya Variable Portfolios, Inc.

Voya Global Equity Portfolio (Class S Shares) seeks long-term capital growth and current income.

The Funds and Portfolios may not achieve their stated objectives. More detailed information, including a description of risks involved in investing in the Portfolios is found in the Funds’ prospectuses accompanying this Prospectus and statements of additional information available from us upon request.

Invesco Advisors, Inc. is the investment adviser for the available Portfolios of AIM Variable Insurance Funds (Invesco Variable Insurance Funds). Invesco Asset Management Limited is the sub-adviser for Invesco V.I. Global Real Estate Fund.

Fred Alger Management, Inc. serves as the investment adviser for the available Portfolios of The Alger Portfolios.

American Century Investment Management, Inc. is the investment adviser for the available Portfolios of the American Century Variable Portfolios, Inc.

DWS Investment Management Americas Inc. is the investment advisor for the available funds of Deutsche DWS Variable Series I and II. DWS Alternative Global Limited serves as the sub-adviser for the DWS Global Income Builder VIP Portfolio.

The Dreyfus Corporation serves as the investment adviser for the Dreyfus MidCap Stock Portfolio and The Dreyfus Sustainable U.S. Equity Portfolio, Inc. Newton Investment Management (North America) Limited (Newton) serves as the sub-adviser for The Dreyfus Sustainable U.S. Equity Portfolio, Inc.

Fidelity Management & Research Company (“FMR”) is the investment adviser for the available Portfolios of the Fidelity Variable Insurance Products Funds. FMR Co., Inc. (FMRC) and other investment advisers serve as the sub-advisers for the Fidelity VIP Contrafund^® Portfolio, Fidelity VIP Equity-Income Portfolio and Fidelity VIP Growth Portfolio.

Fidelity Investments Money Management, Inc. (FIMM), FMR Co., Inc. (FMRC), and other investment advisers serve as sub-advisers for the Fidelity VIP Asset Manager^SM Portfolio. Geode Capital Management, LLC (Geode^®) and FMR Co., Inc. (FMRC) serve as sub-advisers for the Fidelity VIP Index 500 Fund.

Franklin Advisers, Inc. is the investment adviser for the Franklin Rising Dividends VIP Fund, Franklin Strategic Income VIP Fund and the Franklin U.S. Government Securities VIP Fund. Franklin Mutual Advisers, LLC is the investment adviser for the Mutual Global Discovery VIP Fund, Mutual Shares VIP Fund and Franklin Small Cap Value VIP Fund. Templeton Asset Management Ltd. is the investment adviser for the Templeton Developing Markets VIP Fund.

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Voya Investments, LLC serves as the investment adviser and J. P. Morgan Investment Management Inc. serves as the sub-adviser for the VY^® JPMorgan Emerging Markets Equity Portfolio. Voya Investments, LLC serves as the investment adviser and Voya Investment Management Co. LLC serves as the sub-adviser for the Voya Global Equity Portfolio.

J.P. Morgan Investment Management Inc. is the investment adviser for the available Portfolios of the JPMorgan Insurance Trust.

Janus Capital Management LLC is the investment adviser for the available Portfolios of the Janus Aspen Series. Perkins Investment Management LLC is the sub-adviser for Janus Henderson Mid Cap Value Portfolio.

OFI Global Asset Management, Inc. is the investment advisor for the Oppenheimer/VA funds. OppenheimerFunds, Inc., is the sub-adviser for the Oppenheimer/VA funds.

The investment advisers are paid fees for their services by the Funds they manage. We may receive compensation from the investment advisers of the Funds for services related to the Funds. Such compensation will be consistent with the services rendered or the cost savings resulting from the arrangements. Such compensation typically is a percentage of Separate Account assets invested in the relevant Fund and generally may range up to 0.30% annually of net assets. We may also receive 12b-1 fees directly from certain Funds for providing services related to shares of Portfolios offered in connection with a Rule 12b-1 plan.

Change of Investments

We reserve the right to make additions to, deletions from, or substitutions for the shares held by the Separate Account or that the Separate Account may purchase. We reserve the right to eliminate the shares of any of the Funds or Portfolios and to substitute shares of another Portfolio or of another investment company, if the shares of a Fund or Portfolio are no longer available for investment, or if in our judgment further investment in any Fund or Portfolio becomes inappropriate. We will not substitute any shares attributable to your interest in a Subaccount without prior notice and the SEC’s prior approval, if required. The Separate Account may purchase other securities for other series or classes of contracts, or may permit a conversion between series or classes of contracts on the basis of requests made by Owners.

We may establish additional subaccounts of the Separate Account, each of which would invest in a new Portfolio of the Funds, or in shares of another investment company. New subaccounts may be established when, at our discretion, marketing needs or investment conditions warrant. New subaccounts may be made available to existing Owners as we determine. We may also eliminate or combine one or more subaccounts, transfer assets, or substitute one subaccount for another subaccount, if, in our discretion, marketing, tax, or investment conditions warrant. We will notify all Owners of any such changes.

If we deem it to be in the best interests of persons having voting rights under the Contract, the Separate Account may be: (a) operated as a management company under the Investment Company Act of 1940 (“1940 Act”); (b) deregistered under the 1940 Act in the event such registration is no longer required; or (c) combined with our other separate accounts. To the extent permitted by law, we may transfer the assets of the Separate Account to another separate account or to the General Account.

FIXED ACCOUNT OPTION

Amounts allocated or transferred to the Fixed Account are part of our General Account, supporting insurance and annuity obligations. Interests in the Fixed Account are not registered under the Securities Act of 1933 (“1933 Act”), and the Fixed Account is not registered as an investment company under the 1940 Act. Accordingly, neither the Fixed Account nor any interests therein generally are subject to the provisions of the 1933 or 1940 Acts. We have been advised that the staff of the SEC has not reviewed the disclosures in this Prospectus relating to the Fixed Account. Disclosures regarding the Fixed Account, however, may be subject to the general provisions of the federal securities laws relating to the accuracy and completeness of statements made in prospectuses.

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The Fixed Account is part of the Company’s General Account which is made up of all of the general assets of the Company other than those allocated to separate accounts. Allocations to the Fixed Account become part of the assets of the Company and are used to support insurance and annuity obligations. The General Account is not segregated or insulated from the claims of the insurance company’s creditors. Any amounts allocated to the Fixed Account or amounts that we guarantee in excess of your Contract Value are subject to our financial strength and claim’s paying ability, and are subject to the risk that the insurance company may not be able to cover, or may default on, its obligations under those guarantees.

Under the Fixed Account Option, we pay a fixed interest rate for stated periods. This Prospectus describes only the aspects of the Contract involving the Separate Account and the MVA Option, unless we refer to fixed accumulation and annuity elements.

We guarantee that payments allocated to the Fixed Account earn a minimum fixed interest rate not less than the minimum interest rate allowed by state law. At our discretion, we may credit interest in excess of the minimum guaranteed rate. We reserve the right to change the rate of excess interest credited. We also reserve the right to declare different rates of excess interest depending on when amounts are allocated or transferred to the Fixed Account. As a result, amounts at any designated time may be credited with a different rate of excess interest than the rate previously credited to such amounts and to amounts allocated or transferred at any other designated time.

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THE CONTRACTS

A. GENERAL INFORMATION.

This Prospectus describes both Qualified Contracts and Non-Qualified Contracts. The minimum Purchase Payment for a Qualified Contract is $50. However, if annualized contribution amounts from a payroll or salary deduction plan are equal to or greater than $600, we accept a periodic payment under $50. The maximum annual amount of Purchase Payments may be limited by the retirement plan funded by the Contract. For a Non-Qualified Contract the minimum initial Purchase Payment was $2,500 and the minimum subsequent Purchase Payment is $500. An initial allocation of less than $100 may be made to the Fixed Account or to a Subaccount, or to the Fixed Account and one Subaccount. For a Non-Qualified Contract, no subsequent allocations of Purchase Payments may be made to any additional Subaccount until allocations total at least $100 to each Subaccount in which the Contract has an interest. For a Qualified Contract, if annualized contribution amounts to a new Subaccount from a payroll or salary reduction plan are at least $25 per month, allocations to another such Subaccount may be made.

You may make Purchase Payments to Non-Qualified Contracts and Contracts issued as Individual Retirement Annuities (“IRAs”) by authorizing us to draw on your account via check or electronic debit (“Pre-Authorized Checking [PAC] Agreement”). For Purchase Payments made pursuant to a PAC Agreement, the following minimum Purchase Payment provisions apply:

• The minimum initial Purchase Payment to an IRA made pursuant to a PAC Agreement is $100. The minimum initial Purchase Payment to a Non-Qualified Contract made pursuant to a PAC Agreement is $1,000 unless you also own an existing Contract, in which case the minimum is $100.

• The minimum subsequent Purchase Payment made pursuant to a PAC Agreement is $100.

We may amend the Contract in accordance with changes in the law, including tax laws, regulations or rulings, and for other purposes. Certain contracts are no longer offered, although Purchase Payments are still permitted under these previously issued contracts.

You may examine a Contract and return it for a refund during the “free look” period. The length of the free look period depends upon the state in which the Contract is issued. However, it will be at least 10 days from the date you receive the Contract. The amount of the refund depends on the state in which the Contract is issued. Generally, it will be an amount at least equal to the Separate Account Contract Value plus amounts allocated to the General Account on the date we receive the returned Contract, without any deduction for Withdrawal Charges or Records Maintenance Charges. Some states require the return of the Purchase Payment. If you decide to return your Contract for a refund during the “free look” period, please also include a letter of instruction.

You designate the Beneficiary. If the Annuitant or you dies, and no designated Beneficiary or contingent Beneficiary is alive at that time, we will pay the Annuitant’s or your estate.

Under a Qualified Contract, the provisions of the applicable plan may prohibit a change of Beneficiary. Generally, an interest in a Qualified Contract may not be assigned.

During the Accumulation Period, you may assign a Non-Qualified Contract or change a Beneficiary at any time by signing our form. No assignment or Beneficiary change is binding on us until we receive it. We assume no responsibility for the validity of the assignment or Beneficiary change. An assignment may subject you to immediate tax liability and may subject you to a 10% tax penalty. (See “Federal Tax Matters.”)

Amounts payable during the Annuity Period may not be assigned or encumbered. In addition, to the extent permitted by law, annuity payments are not subject to levy, attachment or other judicial process for the payment of the payee’s debts or obligations.

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B. THE ACCUMULATION PERIOD.

1. Application of Purchase Payments.

You select allocation of Purchase Payments to the Subaccount(s) or the Fixed Account. The amount of each Purchase Payment allocated to a Subaccount is based on the value of an Accumulation Unit, as computed after we receive the Purchase Payment. Generally, we determine the value of an Accumulation Unit as of 3:00 p.m. Central time on each day that the New York Stock Exchange is open for trading. Purchase Payments allocated to the Fixed Account begin earning interest one day after we receive them. With respect to initial Purchase Payments, the amount is credited only after we determine to issue the Contract. After the initial purchase, we determine the number of Accumulation Units credited by dividing the Purchase Payment allocated to a Subaccount by the Subaccount’s Accumulation Unit value, as computed after we receive the Purchase Payment. You are limited to allocating Contract Value to a maximum of 18 allocation options over the life of a Contract, plus the Fixed Account.

Some of the Funds reserve the right to delay or refuse purchase requests from the Separate Account, as may be further described in their prospectuses and/or statements of additional information. Therefore, if you request a transaction under the Contract that is part of a purchase request delayed or refused by a Fund, we will be unable to process your request. In that event, we will notify you promptly in writing or by telephone.

The number of Accumulation Units will not change due to investment experience. Accumulation Unit value varies to reflect the investment experience of the Subaccount and the assessment of charges against the Subaccount other than the Records Maintenance Charge. The number of Accumulation Units is reduced when the Records Maintenance Charge is assessed.

If we are not provided with information sufficient to establish a Contract or to properly credit the initial Purchase Payment, we will promptly request the necessary information. If the requested information is not furnished within five business days after we receive the initial Purchase Payment, or if we determine that we cannot otherwise issue the Contract within the five day period, we will return the initial Purchase Payment to you, unless you consent to our retaining the initial Purchase Payment until the application is completed.

We may issue a Contract without a signed application if:

• a dealer provides us with application information, electronically or in writing,

• we receive the initial Purchase Payment, and

• you confirm in writing, after the Contract is delivered, that all information in the Contract is correct.

2. Accumulation Unit Value.

Each Subaccount has Accumulation Unit values for each combination of asset-based charges. When Purchase Payments or other amounts are allocated to a Subaccount, the number of units purchased is based on the Subaccount’s applicable Accumulation Unit value at the end of the current Valuation Period. When amounts are transferred out of or deducted from a Subaccount, units are redeemed in a similar manner.

The Accumulation Unit value for each subsequent Valuation Period is the investment experience factor for that Valuation Period times the Accumulation Unit value for the preceding Valuation Period. Each Valuation Period has a single Accumulation Unit value which applies to each day in the Valuation Period.

Each Subaccount has its own investment experience factor for each combination of charges. The investment experience of the Separate Account is calculated by applying the investment experience factor to the Accumulation Unit value in each Subaccount during a Valuation Period.

The investment experience factor of a Subaccount for any Valuation Period is determined by the following formula:

(1 divided by 2) minus 3, where:

(1) is the net result of:

• the net asset value per share of the investment held in the Subaccount determined at the end of the current Valuation Period; plus

61

• the per share amount of any dividend or capital gain distributions made by the investments held in the Subaccount, if the “ex-dividend” date occurs during the current Valuation Period; plus or minus

• a charge or credit for any taxes reserved for the current Valuation Period which we determine have resulted from the investment operations of the Subaccount;

(2) is the net asset value per share of the investment held in the Subaccount determined at the end of the preceding Valuation Period; and

(3) is the factor representing asset-based charges (the mortality and expense risk and administration charges plus any applicable charges for optional death or income benefits.)

3. Contract Value.

On any Valuation Date, the Contract Value equals the total of:

• the number of Accumulation Units credited to each Subaccount, times

• the value of a corresponding Accumulation Unit for each Subaccount, plus

• your interest in the Fixed Account.

4. Transfers During the Accumulation Period.

During the Accumulation Period, you may transfer Contract Value among the Subaccounts and the Fixed Account subject to the following provisions:

• The General Account Contract Value, minus 125% of Debt, may be transferred two times during the Contract Year to one or more Subaccounts in the thirty days following an anniversary of a Contract Year or the thirty days following the date of the confirmation statement provided for the period through the anniversary date, if later; and

• You are limited to allocating Contract Value to a maximum of 18 allocation options over the life of a Contract, plus the Fixed Account.

If you authorize a third party to transact transfers on your behalf, we will reallocate the Contract Value pursuant to the third party’s instructions. However, we take no responsibility for any third party asset allocation or investment advisory service or program. We may suspend or cancel acceptance of a third party’s instructions at any time and may restrict the investment options available for transfer under third party authorizations.

We will make transfers pursuant to proper written or telephone instructions which specify in detail the requested changes. Before telephone transfer instructions will be honored, you must complete a telephone transfer authorization. The minimum partial transfer amount is $100. No partial transfer may be made if the value of your remaining Contract interest in a Subaccount or the Fixed Account, from which amounts are to be transferred, would be less than $100 after transfer. Transfers involving a Subaccount will be based upon the Accumulation Unit values determined following our receipt of complete transfer instructions. The transfer privilege may be suspended, modified or terminated at any time. We disclaim all liability for following instructions which are given in accordance with our procedures, including requests for personal identifying information, that are designed to limit unauthorized use of the privilege. Therefore, you bear the risk of loss in the event of a fraudulent telephone transfer.

The following transfers must be requested through standard United States mail:

• transfers in excess of $250,000 per Contract, per day, and

• transfers into and out of the VY^® JPMorgan Emerging Markets Equity Portfolio, the Janus Henderson Global Research Portfolio, the Franklin Mutual Global Discovery VIP Fund, the Oppenheimer Global Fund/VA, the DWS CROCI^® International VIP, the DWS Global Equity VIP, and the Templeton Developing Markets VIP Fund subaccounts in excess of $50,000, per Contract, per day.

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These administrative procedures have been adopted under the Contract to protect the interests of Contract Owners from the adverse effects of frequent and large transfers into and out of variable annuity Subaccounts that can adversely affect the investment management of the underlying Portfolios. We reserve the right to further amend the transfer procedures in the interest of protecting Contract Owners.

Some of the Funds reserve the right to delay or refuse transfer requests from the Separate Account, as may be further described in their prospectuses and/or statements of additional information. Therefore, if you request a transaction under the Contract that is part of a purchase request delayed or refused by a Fund, we will be unable to process your request. In that event, we will notify you promptly in writing or by telephone.

5. Market Timing.

The Contract is not designed for organizations or individuals engaged in market timing strategies in response to short-term fluctuations in the market, involving frequent transfers, transfers into and out of a Subaccount over a short period of time, or transfers representing a substantial percentage of the assets of any Subaccount. You should not purchase the Contract if you intend to engage in such market timing strategies. Market timing strategies may be disruptive to the management of the underlying Portfolios in which the Subaccounts invest and therefore, may be detrimental to Contract Owners by increasing costs, reducing performance, and diluting the value of interests in the underlying Portfolio.

We maintain policies and procedures in an effort to control disruptive market timing activity. We do not exempt any persons or class of persons from these policies. We require that transfers in excess of $250,000 per Contract, per day, and transfers into or out of specified Subaccounts in excess of $50,000 per Contract, per day, as described in the Transfers During the Accumulation Period section, above, must be requested through standard United States mail. In addition, we monitor trading activity in order to identify market timing strategies. If we identify suspicious transfer activity, we advise the Contract Owner in writing that we are monitoring their transfer activity and will impose restrictions if we identify a pattern of disruptive transfer activity. If a pattern of disruptive transfer activity is identified as a result of the continued monitoring, we will notify the Contract Owner in writing that all future transfers must be requested through standard United States mail.

If we identify market timing strategies that we believe to be detrimental to Contract Owners that are not addressed by the above procedures, we will take one or more of the following actions against Contract Owners that have been identified as engaging in disruptive transfer activity and we may establish these limitations for all Contract Owners:

• Termination of transfer privileges;

• Universal termination of telephone or electronic transfer privileges (for all Contract Owners);

• Requiring a minimum time between transfers;

• Limiting the total number of transfers;

• Limiting the dollar amount that may be transferred at one time;

• Refusing any transfer request; and

• Not accepting transfer requests of someone acting on behalf of more than one Owner (in which case, we will notify the person making the request by telephone or in writing of our decision not to accept the transfer requests).

We review our policies and procedures from time to time and will change them or explore other actions if we discover that existing procedures fail to adequately curtail market timing activities. The actions we take will be based on our policies and procedures then in effect and will be applied uniformly among Contract Owners.

Although we will monitor transfer activity and as appropriate impose restrictions as described above, there is no assurance that we will be able to identify and curtail all potentially disruptive market timing activity. As a result, to the extent that we do not detect disruptive market timing or the restriction we impose fails to curtail it, it is possible that a market timer may be able to make additional disruptive market timing transactions with the result that the management of the underlying Portfolios in which the Subaccounts invest may be disrupted and Contract Owners may suffer detrimental effects such as increased costs, reduced performance, and dilution of their interests in the affected Portfolio.

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We are legally obligated to provide (at the Portfolios’ request) information about each amount you cause to be deposited into a Portfolio (including by way of premium payments and transfers under your Contract) or removed from the Portfolio (including by way of withdrawals and transfers under your Contract). If a Portfolio identifies you as having violated the Portfolio’s frequent trading policies and procedures, we are obligated, if the Portfolio requests, to restrict or prohibit any further deposits or exchanges by you in respect of that Portfolio. Under rules adopted by the Securities and Exchange Commission, we are required to: (1) enter into a written agreement with each Portfolio or its principal underwriter that will obligate us to provide to the Portfolio promptly upon request certain information about the trading activity of individual Contract Owners, and (2) execute instructions from the Portfolio to restrict or prohibit further purchases or transfers by specific Contract Owners who violate the frequent trading policies established by the Portfolio. Accordingly, if you do not comply with any Portfolio’s frequent trading policies and procedures, you may be prohibited from directing any additional amounts into that Portfolio or directing any transfers or other exchanges involving that Portfolio. You should review and comply with each Portfolio’s frequent trading policies and procedures, which are disclosed in the Portfolios’ current prospectuses.

6. Withdrawals During the Accumulation Period.

You may redeem some or all of the Contract Value minus Debt, charges and previous withdrawals. Withdrawals may be subject to income tax and a 10% penalty tax. (See “Federal Tax Matters.”) A withdrawal of all Contract Value is called a surrender. Your ability to surrender may be limited by the terms of a qualified plan. (See “Federal Income Taxes.”)

You may withdraw up to 10% of the Contract Value minus Debt in any Contract Year without charge. If you withdraw more than 10% of the Contract Value in any Contract Year, the amount withdrawn in excess of 10% is subject to a Withdrawal Charge. (See “Withdrawal Charge.”)

For Contracts in more than one investment option, your partial withdrawal request must specify what portion of your interest is to be redeemed. If you do not specify, we will redeem Accumulation Units from all investment options in which you have an interest on a pro-rata basis. The Accumulation Units attributable to the earliest Contribution Years are redeemed first.

You may request a partial withdrawal subject to the following:

• The amount requested must be at least $500 in each investment option or the Fixed Account from which withdrawal is requested.

• You must leave at least $500 in each investment option from which the withdrawal is requested or withdraw the total value.

Election to withdraw shall be made in writing to us at our administrative office: Insurance Services, P.O. Box 758557, Topeka, KS 66675-8557. and should be accompanied by the Contract if surrender is requested. Withdrawal requests are processed only on days when the New York Stock Exchange is open for trading. The Withdrawal Value attributable to the Subaccounts is determined on the basis of the Accumulation Unit values calculated after we receive the request. The Withdrawal Value attributable to the Subaccounts will be paid within seven days after the date we receive a written request at our administrative office provided, however, that we may suspend withdrawals or delay payment more than seven days:

• during any period when the New York Stock Exchange is closed,

• when trading is restricted or the SEC determines an emergency exists, or

• as the SEC by order may permit.

Withdrawals are permitted from Contracts issued in connection with Section 403(b) Qualified Plans only under limited circumstances. (See “Federal Tax Matters.”)

A participant in the Texas Optional Retirement Program (“ORP”) must obtain a certificate of termination from the participant’s employer before a Contract can be redeemed. The Attorney General of Texas has ruled that participants in the ORP may redeem their interest in a Contract issued pursuant to the ORP only upon termination of employment in Texas public institutions of higher education, or upon retirement, death or total disability. In those states adopting similar requirements for optional retirement programs, we will follow similar procedures.

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7. Death Benefit.

If the Annuitant dies during the Accumulation Period, prior to attaining age 75, we will pay to the designated Beneficiary the Contract Value less Debt as computed at the end of the Valuation Period next following our receipt of proof of death and the return of the Contract, or the total amount of Purchase Payments less Debt, whichever is greater. If a Contract has been subject to any partial withdrawal, the death benefit will be the greater of

• the Contract Value less Debt, or

• the total amount of Purchase Payments, minus both Debt and the aggregate dollar amount of all previous partial withdrawals.

If death occurs at age 75 or later, the death benefit is the Contract Value minus Debt.

You or the Beneficiary, as appropriate, may elect to have all or a part of the death proceeds paid to the Beneficiary under one of the Annuity Options described under “Annuity Options” below.

For Non-Qualified Contracts issued after January 19, 1985, if you are not the Annuitant and you die before the Annuitant, the death benefit will be paid to the designated Beneficiary. The available Annuity Options are limited by the Code, as described under “Annuity Options.” The death benefit is determined as stated above, except that your age at death is used in determining the amount payable. If the Beneficiary is your surviving spouse (under Federal law), the surviving spouse may elect to be treated as the successor Owner of the Contract and is not required to begin death benefit distribution. The issue age of the deceased Owner applies in computing the death benefit, payable at the death of a spouse who has elected to be treated as the successor Owner.

For Contracts issued after March 1, 1997 and before May 1, 2000 as Individual Retirement Annuities, Simplified Employee Pensions or Non-Qualified Contracts, the death benefit will be determined as follows. If death occurs prior to the deceased’s attainment of age 90, the death benefit will be the greater of:

• the total amount of Purchase Payments minus Debt minus the aggregate amount of all previous partial withdrawals,

• the Contract Value minus Debt, or

• the greatest Anniversary Value immediately preceding the date of death, minus Debt. The greatest Anniversary Value is equal to the highest Anniversary Value determined from the following. An Anniversary Value is calculated for each Contract anniversary before the deceased’s 81^st birthday. The Anniversary Value for a particular Contract anniversary is the Contract Value on that anniversary, plus the dollar amount of any Purchase Payments made since that anniversary minus any withdrawals since that anniversary. If death occurs on or after the deceased’s 90^th birthday, the death benefit will be the Contract Value minus Debt and minus previous withdrawals.

If you purchased the Contract between March 1, 1997 and May 1, 2000 as an Individual Retirement Annuity, Simplified Employee Pension or Non-Qualified Contract, the following restrictions on investment options apply. Effective May 1, 2005, the following Subaccounts will no longer be available if you have not previously invested in the Subaccount: Invesco V.I. Diversified Dividend, Invesco V.I. Global Health Care, Franklin U.S. Government Securities VIP, Franklin Mutual Shares VIP, Oppenheimer Capital Appreciation, Oppenheimer Global Strategic Income (acquired Oppenheimer High Income), Oppenheimer Main Street Small Cap Fund^®/VA, Oppenheimer Discovery Mid Cap Growth Fund/VA, Deutsche Technology VIP and Templeton Developing Markets Subaccounts. (See “Change of Investments.”)

Guaranteed Minimum Death Benefit Rider.

The Guaranteed Minimum Death Benefit Rider (“GMDB”) is an optional Contract rider. You must elect GMDB on the initial Contract application. You cannot elect the GMDB rider after the date we issue the Contract. We reserve the right to offer the GMDB rider to outstanding Contracts, and we may discontinue the offering of the GMDB rider at any time. GMDB coverage may not be terminated. The current charge for the GMDB rider is 0.15% of the Contract Value. The GMDB rider may not be available in all states or through all distributors.

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If you elect the GMDB rider, a death benefit will be paid to the designated Beneficiary upon the death of the Owner, or a joint Owner, during the Accumulation Period. If the Owner is not a natural person, we will pay the death benefit upon the death of any Annuitant. We will pay the death benefit to the Beneficiary when we receive due proof of death. We will then have no further obligation under the Contract.

We compute the death benefit at the end of the Valuation Period following our receipt of due proof of death and the return of this Contract. The proof may be a certified death certificate, the written statement of a physician or any other written proof satisfactory to us. The amount of the death benefit will be equal to the greater of items (1), (2) or (3) listed below, less Debt:

(1) the Contract Value or, if greater, the amount that would have been payable in the event of a full surrender on the date of death;

(2) the total amount of Purchase Payments less withdrawals accumulated at 5.00% per year to the earlier of your 85^th birthday or date of death, increased by Purchase Payments made from your 85^th birthday to the date of death and decreased by any adjustments for withdrawals from your 85^th birthday to the date of death; or

(3) the greatest anniversary value immediately preceding the earlier of your 86^th birthday or date of death, increased by Purchase Payments made since the date of the greatest anniversary value and decreased by any adjustments for withdrawals since that date. The anniversary value equals the Contract Value on each Contract anniversary during the Accumulation Period.

An adjustment for a withdrawal is the sum of any amount available as a dollar for dollar reduction, and a proportionate reduction. The maximum dollar for dollar reduction is 5% of the Dollar for Dollar Base, less any prior dollar for dollar withdrawals in the Contract Year. The Dollar for Dollar Base is total premiums less withdrawals assessed a withdrawal charge and less any Withdrawal Charges. A proportionate reduction is applicable when the withdrawal and any Withdrawal Charges exceed the maximum dollar for dollar reduction. The proportionate reduction is the amount in (2) and/or (3), reduced by any dollar for dollar reduction, multiplied by (a) divided by (b), where:

(a) is the withdrawal plus any Withdrawal Charges reduced by any dollar for dollar reduction, and

(b) is the Contract Value reduced by any dollar for dollar reduction.

The death benefit may be paid in a lump sum. This sum may be deferred for up to five years from the date of death. Instead of a lump sum payment, the Beneficiary may elect to have the death benefit distributed as stated in Annuity Option 1 for a period not to exceed the Beneficiary’s life expectancy, or Annuity Option 2 or Annuity Option 3 with the guarantee period based upon the life expectancy of the Beneficiary as prescribed by federal regulations. The Beneficiary must make this choice within 60 days of the time we receive due proof of death, and distribution must commence within one year of the date of death. It may start later if permitted by federal regulations.

If the Beneficiary is not a natural person, the Beneficiary must elect that the entire death benefit be distributed within five years of your death.

If this Contract was issued as a Non-Qualified Plan Contract, an IRA or Roth IRA and your spouse (under Federal law) is the only primary Beneficiary when you die, your surviving spouse may elect to continue the Contract under one of three surviving spouse options.

Earnings Based Death Benefit Rider.

The Earnings Based Death Benefit rider (“EBDB”) is an optional Contract rider. The EBDB rider may be elected if the oldest Owner is 70 years old or younger at the time the Contract is issued. If you elect the EBDB rider, you must also elect the Guaranteed Minimum Death Benefit Rider (See “Guaranteed Minimum Death Benefit Rider.” above). You must elect GMDB on the initial Contract application. You cannot elect the EBDB rider after the date we issue the Contract. We reserve the right to offer the EBDB rider to outstanding Contracts, and we may discontinue the offering of the EBDB rider at any time. EBDB coverage may not be terminated. The current charge for the EBDB rider is 0.20% of the Contract Value. The EBDB rider may not be available in all states or through all distributors.

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If elected, the death benefit will be as follows:

• the Guaranteed Minimum Death Benefit (See “Guaranteed Minimum Death Benefit Rider” above); plus

• the EBDB factor times the lesser of:

a. remaining principal, or

b. Contract Value minus remaining principal, but not less than zero.

The EBDB factor is 0.40 if death occurs prior to the 10^th Contract anniversary, 0.50 if death occurs between the 10^th and 15^th Contract anniversaries and 0.70 if death occurs on or after the 15^th Contract anniversary.

Remaining principal equals total Purchase Payments less the total principal withdrawn. The amount of total principal withdrawn is calculated by totaling the amount of principal withdrawn with each withdrawal. For any withdrawal, the amount of principal withdrawn is the amount by which the withdrawal exceeds the earnings in the Contract at the time of the withdrawal. Earnings, at any given time, is the amount by which the Contract Value exceeds the excess of total Purchase Payments over total withdrawals. Purchase Payments which we receive less than one year prior to death (other than the initial Purchase Payment) are not used in calculating the amount of remaining principal. For purposes of determining EBDB, earnings will not be less than zero.

The EBDB is calculated prior to the application of the Guaranteed Minimum Death Benefit.

8. Loans.

The Owner of a Contract issued as a tax sheltered annuity under Section 403(b) of the Internal Revenue Code (“Code”) or with a qualified plan under Code Section 401, may request a loan (if permitted by the Qualified Plan) any time during the Accumulation Period. The requirements and limitations governing the availability of loans, including the maximum amount that a participant may take as a loan, are subject to the rules in the Code, IRS regulations, and our procedures in effect at the time a loan is made. In the case of loans made under Contracts which are subject to the Employee Retirement Income Security Act of 1974 (“ERISA”), additional requirements and limitations will apply such as those under the terms of the plan, Department of Labor regulations and ERISA. Because the rules governing loans under Code Section 403(b) contracts and ERISA qualified plans are complicated, you should consult your tax adviser before exercising the loan privilege. Failure to meet the requirements for loans may result in adverse income tax consequences to you. The loan agreement you sign will describe the restrictions and limitations applicable to the loan at the time you apply. For loans subject to ERISA, you also may wish to consult your plan administrator.

Federal tax law requires loans to be repaid in a certain manner and over a certain period of time. For example, loans generally are required to be repaid within five years (except in cases where the loan was used to acquire the principal residence of the plan participant), with repayments made at least quarterly and in substantially level amortized payments over the term of the loan. Interest will be charged on your loan amount. Failure to make a loan repayment when due will result in adverse tax income tax consequences to you.

Interest will be charged on your loan amount. If your Contract is not subject to ERISA, the interest rate is 5.50%. If your Contract is subject to ERISA, the interest rate is based on Moody’s Corporate Bond Yield Average-Monthly Average Corporates (rounded to the nearest 0.25%). While a loan is outstanding, the value securing the loan will earn interest at the daily equivalent of the annual loan interest rate reduced by not more than 2.5%.

If there is an outstanding loan balance when the Contract is surrendered or annuitized, or when a death benefit is paid, the amount payable will be reduced by the amount of the loan outstanding plus accrued interest. In addition, loans, whether or not repaid, will have a permanent effect on the Contract Value because the investment results of the investment accounts will apply only to the unborrowed portion of the Contract Value. The longer a loan is unpaid, the greater the effect is likely to be. The effect could be favorable or unfavorable. If investment results are greater than the rate being credited on amounts held in your loan account while your loan is unpaid, your Contract Value will not increase as rapidly as it would have if no loan were unpaid. If investment results are below that rate, your Contract Value will be greater than it would have been had no loan been outstanding.

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CONTRACT CHARGES AND EXPENSES

We deduct the following charges and expenses:

• mortality and expense risk charge,

• administration charge,

• records maintenance charge,

• withdrawal charge,

• premium tax, and

• optional death benefit charges,

We may receive compensation from the investment advisers of the Funds for services related to the Funds. (See “The Funds.”)

Subject to certain expense limitations, investment management fees and other Fund expenses are indirectly borne by you.

We assess each Subaccount a daily asset charge for administration and mortality and expense risks at a rate of 1.30% per annum. Flexible Payment Contracts (no longer offered) have a daily asset charge of 1.0%. We may decrease these charges without notice, but will not exceed these amounts.

A. ASSET-BASED CHARGES AGAINST THE SEPARATE ACCOUNT.

1. Mortality Risk.

Variable Annuity payments reflect the investment experience of each Subaccount but are not affected by changes in actual mortality experience or by actual expenses we incur.

Our mortality risk arises from two obligations. The first obligation we assume is to pay a guaranteed death benefit that may be greater than the Contract Value minus Debt. The second obligation we assume is to continue making annuity payments to each Annuitant for the entire life of the Annuitant under Annuity Options involving life contingencies. This assures each Annuitant that neither the Annuitant’s own longevity nor an improvement in life expectancy generally will have an adverse effect on the annuity payments received under a Contract and relieves the Annuitant from the risk of outliving the amounts accumulated for retirement.

2. Expense Risk.

We also assume the risk that all administrative expenses including Contract maintenance costs, administrative costs, data processing costs and costs of other services may exceed the Records Maintenance Charge or the amount recovered from the administrative cost portion of the daily asset charge.

3. Administration Charge.

The daily administration charge reimburses us for the expenses incurred for administering the Contracts, which include, among other things, responding to Owner inquiries, processing changes in Purchase Payment allocations and providing reports to Owners.

4. Guaranteed Minimum Death Benefit Rider Charge.

The annual charge for the Guaranteed Minimum Death Benefit rider is 0.15% of the Contract Value. For Purchase Payments allocated to the Fixed Account, the applicable credited rates will be reduced to reflect the relevant charge.

5. Earnings Based Death Benefit Rider Charge.

The annual charge for the Earnings Based Death Benefit rider is 0.20% of the Contract Value. For Purchase Payments allocated to the Fixed Account, the applicable credited rates will be reduced to reflect the relevant charge.

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B. RECORDS MAINTENANCE CHARGE.

We assess a quarterly Records Maintenance Charge during the Accumulation Period against each Contract participating in one or more of the Subaccounts during the calendar quarter whether or not any Purchase Payments have been made during the year. The quarterly Records Maintenance Charge is:

• $7.50 quarterly for Contracts with Contract Value under $25,000 on the date of assessment.

• $3.75 quarterly for Contracts with Contract Value between $25,000 and $50,000 on the date of assessment.

• No Records Maintenance Charge for Contracts with Contract Value of $50,000 or more on the date of assessment.

The record maintenance charge is not assessed during the Annuity Period.

The Records Maintenance Charge reimburses us for expenses incurred in establishing and maintaining the records relating to a Contract’s participation in the Separate Account. The Records Maintenance Charge is assessed at the end of each calendar quarter and constitutes a reduction in the net assets of each Subaccount.

At any time the Records Maintenance Charge is assessed, the applicable charge is assessed ratably against each Subaccount in which the Contract is participating and a number of Accumulation Units sufficient to equal the proper portion of the charge is redeemed from such Subaccount, or from the General Account Contract Value if necessary to meet the assessment.

C. WITHDRAWAL CHARGE.

We do not deduct a sales charge from any Purchase Payment. However, a Withdrawal Charge covers Contract sales expenses, including commissions and other distribution, promotion and acquisition expenses.

Each Contract Year, you may withdraw, without Withdrawal Charge, 10% of the Contract Value.

If you withdraw a larger amount, the excess Purchase Payments and interest attributed to the Purchase Payments withdrawn are subject to a Withdrawal Charge. The Withdrawal Charge applies in the first six Contribution Years following each Purchase Payment as follows:

Contribution Year	Withdrawal Charge
First		6	%
Second		5	%
Third		4	%
Fourth		3	%
Fifth		2	%
Sixth		1	%
Seventh and following		0	%

Purchase Payments are deemed surrendered in the order in which they were received.

When a withdrawal is requested, you receive a check in the amount requested. If a Withdrawal Charge applies, Contract Value is reduced by the Withdrawal Charge and the dollar amount sent to you.

Because Contribution Years are based on the date each Purchase Payment is made, you may be subject to a Withdrawal Charge even though the Contract may have been issued many years earlier. (For additional details, see “Withdrawals During the Accumulation Period.”) The aggregate Withdrawal Charges assessed will never exceed 7.25% of the aggregate Purchase Payments.

Currently, we anticipate Withdrawal Charges will not fully cover distribution expenses. Unrecovered distribution expenses may be recovered from our general assets. Those assets may include proceeds from the mortality and expense risk charge.

The Withdrawal Charge also applies at annuitization to amounts attributable to Purchase Payments in their sixth Contribution Year or earlier. No Withdrawal Charge applies upon annuitization if you select

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Annuity Options 2, 3 or 4 or if payments under Annuity Option 1 are scheduled to continue for at least five years. (See “The Annuity Period—Annuity Options” for a discussion of the Annuity Options available.)

We may reduce or eliminate the Withdrawal Charge if we anticipate that we will incur lower sales expenses or perform fewer services because of economies due to the size of a group, the average contribution per participant, or the use of mass enrollment procedures. For Qualified Contracts, Withdrawal Charges will be waived if a Contract is surrendered in the sixth Contract Year or later when the Annuitant is at least 59¹⁄₂ years old at the time of such surrender. No Withdrawal Charge applies to Contracts sold to officers, directors and employees of ZALICO and Deutsche Variable Series II (formerly DWS Variable Series II), Deutsche Variable Series II investment advisers and principal underwriter or certain affiliated companies, or to any trust, pension, profit-sharing or other benefit plan for such persons.

D. INVESTMENT MANAGEMENT FEES AND OTHER EXPENSES.

Each Portfolio’s net asset value reflects the deductions of investment management fees and certain general operating expenses. Subject to limitations, you indirectly bear these fees and expenses. Further detail is provided in the attached prospectuses for the Portfolios and the Funds’ statements of additional information.

E. STATE PREMIUM TAXES.

Certain state and local governments impose a premium tax ranging from 0% to 3.50% of Purchase Payments. If we pay state premium taxes, we may charge the amount paid against Contract Value upon annuitization if not previously assessed. (See “Appendix—State Premium Tax Chart” in the Statement of Additional Information.)

F. REDUCTION OR ELIMINATION OF CERTAIN CHARGES.

Contracts may be available for purchase in certain group or sponsored arrangements that qualify for reductions or eliminations of certain charges, the time periods in which such charges apply, or both. Group arrangements include those in which a trustee, an employer or an association purchases Contracts covering a group of individuals. Sponsored arrangements include those in which an employer or association allows us to offer Contracts to its employees or members on an individual basis.

In certain circumstances, the risk of adverse mortality and expense experience for Contracts purchased in certain group or sponsored arrangements may be reduced. Then, the daily asset charge for mortality and expense costs may likewise be reduced. The daily administration charge and the Records Maintenance Charge may also be reduced or eliminated if we anticipate lower administrative expenses. In certain other circumstances, sales expenses for Contracts purchased in certain group or sponsored arrangements may be reduced or eliminated and the applicable Withdrawal Charges may be reduced or eliminated.

In determining whether a group or sponsored arrangement qualifies for reduced or eliminated charges, we will consider among other factors:

• the size and type of group to which sales are to be made and administrative services provided, and the persistency expected from the group;

• the total amount of Purchase Payments to be received and the method in which they will be remitted;

• any prior or existing relationship with us;

• the level of commission paid to selling broker-dealers;

• the purpose for which the Contract is being purchased, and whether that purchase makes it likely that sales costs and administrative expenses will be reduced; and

• the frequency of projected surrenders or distributions.

We make any reductions or eliminations according to objective guidelines in effect when an application for a Contract is approved. We may change these guidelines from time to time. Any variation in the charges will reflect differences in costs or services and will be offered uniformly to all members of the group or

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sponsored arrangement. In no event will a charge reduction or elimination be permitted if it is unfairly discriminatory to any person or prohibited by law.

THE ANNUITY PERIOD

Contracts may be annuitized under one of several Annuity Options. Annuity payments will begin on the Annuity Date under the Annuity Option you select.

1. Annuity Payments.

Annuity payments are based on:

• the annuity table specified in the Contract,

• the selected Annuity Option, and

• the investment performance of the selected Subaccount(s) (if variable annuitization is elected).

Under variable annuitization, the Annuitant receives the value of a fixed number of Annuity Units each month. An Annuity Unit’s value reflects the investment performance of the Subaccount(s) selected. The amount of each annuity payment varies accordingly. Annuity payments may be subject to a Withdrawal Charge. (For additional details, see “Withdrawal Charge.”)

2. Annuity Options.

You may elect one of the Annuity Options. You may decide at any time (subject to the provisions of any applicable retirement plan) to begin annuity payments. You may change an Annuity Option before the Annuity Date. For a Non-Qualified Contract, if no other Annuity Option is elected, monthly annuity payments will be made in accordance with Option 3 below with a ten (10) year period certain. For a Qualified Contract, if no other Annuity Option is elected, monthly annuity payments will be made in the form of a qualified joint and survivor annuity with a monthly income at two-thirds of the full amount payable during the lifetime of the surviving payee. Generally, annuity payments are made in monthly installments. However, we may make a lump sum payment if the net proceeds available to apply under an Annuity Option are less than $2,000. In addition, if the first monthly payment is less than $25, we may change the frequency of payments to quarterly, semiannual or annual intervals so that the initial payment is at least $25.

The amount of periodic annuity payments may depend upon:

• the Annuity Option selected;

• the age and sex of the payee; and

• the investment performance of the selected Subaccount(s) (if variable annuitization is elected).

For example:

• If Option 1, income for a specified period, is selected, shorter periods result in fewer payments with higher values.

• If Option 2, life income, is selected, it is likely that each payment will be smaller than would result if income for a short period were specified.

• If Option 3, life income with installments guaranteed, is selected, each payment will probably be smaller than would result if the life income Option were selected.

• If Option 4, the joint and survivor annuity, is selected, each payment is smaller than those measured by an individual life income option.

The age of the payee also influences the amount of periodic annuity payments because an older payee is expected to have a shorter life span, resulting in larger payments. The sex of the payee influences the amount of periodic payments. Finally, if you participate in a Subaccount with higher investment performance, it is likely the payee will receive a higher periodic payment.

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If you die before the Annuity Date, available Annuity Options are limited. The Annuity Options available are:

• Option 2, or

• Option 1 or 3 with a specified period or certain period no longer than the life expectancy of the Beneficiary. The life expectancy of the Beneficiary must be at least five years from your death to elect these options.

The death benefit distribution must begin no later than one year from your death, unless a later date is permitted by federal regulation.

If the Beneficiary is not an individual, the entire interest must be distributed within five years of your death.

Option 1—Income for Specified Period.

Option 1 provides an annuity payable monthly for a selected number of years ranging from five to thirty. Upon the payee’s death, if the Beneficiary is an individual, we automatically continue payments to the Beneficiary for the remainder of the period specified. If the Beneficiary is not an individual (e.g., an estate or trust), we pay the discounted value of the remaining payments in the specified period. Although there is no life contingency risk associated with Option 1, we continue to deduct the daily mortality and expense risk and administration charges.

Payees may elect to cancel all or part of the remaining payments due under Option 1. We then pay the discounted value of the remaining payments.

If your Contract is a Qualified Contract, this option may not satisfy minimum required distribution rules. Consult a tax advisor before electing this option.

Option 2—Life Income.

Option 2 provides for an annuity payable monthly over the lifetime of the payee. If Option 2 is elected, annuity payments terminate automatically and immediately on the payee’s death without regard to the number or total amount of payments made. Thus, it is possible for a payee to receive only one payment if death occurred prior to the date the second payment was due.

Option 3—Life Income with Installments Guaranteed.

Option 3 provides an annuity payable monthly during the payee’s lifetime. However, Option 3 also provides for the automatic continuation of payments for the remainder of the specified period if the Beneficiary is an individual and payments have been made for less than the specified period. The period specified may be five, ten, fifteen or twenty years. If the Beneficiary is not an individual, we pay the discounted value of the remaining payments in the specified period.

Option 4—Joint and Survivor Annuity.

Option 4 provides an annuity payable monthly while both payees are living. Upon either payee’s death, the monthly income payable continues over the life of the surviving payee at a percentage specified when Option 4 is elected. Annuity payments terminate automatically and immediately upon the surviving payee’s death without regard to the number or total amount of payments received.

3. Allocation of Annuity.

You may elect to have payments made on a fixed or variable basis, or a combination of both. You may exercise the transfer privilege during the Accumulation Period to arrange for variable or fixed annuitization. Any General Account Contract Value will be annuitized on a fixed basis. Any Separate Account Contract Value will be annuitized on a variable basis. Transfers during the Annuity Period are permitted subject to certain limitations.

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4. Transfers During the Annuity Period.

During the Annuity Period, the payee may, by written request, transfer Subaccount Value from one Subaccount to another Subaccount or to the Fixed Account, subject to the following limitations:

• Transfers among Subaccounts are prohibited during the first year of the Annuity Period; subsequent transfers are limited to one per year.

• All interest in a Subaccount must be transferred.

• If we receive notice of transfer to a Subaccount more than seven days before an annuity payment date, the transfer is effective during the Valuation Period after the date we receive the notice.

• If we receive notice of transfer to a Subaccount less than seven days before an annuity payment date, the transfer is effective during the Valuation Period after the annuity payment date.

• Transfers to the Fixed Account are available only on an anniversary of the first Annuity Date. We must receive notice at least 30 days prior to the anniversary.

A Subaccount’s Annuity Unit value is determined at the end of the Valuation Period preceding the effective date of the transfer. We may suspend, change or terminate the transfer privilege at any time.

5. Annuity Unit Value.

Annuity Unit value is determined independently for each Subaccount.

Annuity Unit value for any Valuation Period is:

• Annuity Unit value for the preceding Valuation Period, times

• the net investment factor for the current Valuation Period, times

• an interest factor which offsets the 2.5% per annum rate of investment earnings assumed by the Contract’s annuity tables.

The net investment factor for a Subaccount for any Valuation Period is:

• the Subaccount’s Accumulation Unit value at the end of the current Valuation Period, plus or minus the per share charge or credit for taxes reserved, divided by

• the Subaccount’s Accumulation Unit value at the end of the preceding Valuation Period, plus or minus the per share charge or credit for taxes reserved.

6. First Periodic Payment Under Variable Annuity.

When annuity payments begin, the value of the Contract interest is:

• Accumulation Unit values at the end of the Valuation Period falling on the 20^th or 7^th day of the month before the first annuity payment is due, times

• the number of Accumulation Units credited at the end of the Valuation Period, minus

• premium taxes and Withdrawal Charges.

The first annuity payment is determined by multiplying the benefit per $1,000 of value shown in the applicable annuity table by the number of thousands of dollars of Contract Value.

A 2.5% per annum rate of investment earnings is assumed by the Contract’s annuity tables. If the actual net investment earnings rate exceeds 2.50% per annum, payments increase accordingly. Conversely, if the actual rate is less than 2.50% per annum, annuity payments decrease.

7. Subsequent Periodic Payments Under a Variable Annuity.

Later annuity payments are determined by multiplying the number of Annuity Units by the Annuity Unit value at the Valuation Period before each annuity payment is due. The first annuity payment is divided by the

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Annuity Unit value as of the Annuity Date to establish the number of Annuity Units representing each annuity payment. This number does not change.

8. Fixed Annuity Payments.

Each Fixed Annuity payment is determined from tables we prepare. These tables show the monthly payment for each $1,000 of Contract Value allocated to a Fixed Annuity. Payment is based on the Contract Value at the date before the annuity payment is due. Fixed Annuity payments do not change regardless of investment, mortality or expense experience.

9. Death Proceeds.

If the payee dies after the Annuity Date while the Contract is in force, the death proceeds, if any, depend upon the form of annuity payment in effect at the time of death. (See “Annuity Options.”)

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FEDERAL TAX MATTERS

A. INTRODUCTION

This discussion is not exhaustive and is not intended as tax advice. A qualified tax adviser should always be consulted with regard to the application of the law to individual circumstances. This discussion is based on the Internal Revenue Code of 1986, as amended (the “Code”), Treasury Department regulations, and interpretations existing on the date of this Prospectus. These authorities, however, are subject to change by Congress, the Treasury Department, and the courts.

This discussion does not address any applicable state or other income tax laws, any state and local estate or inheritance tax, or other tax consequences of ownership or receipt of distribution under a Contract. In addition, we make no guarantee regarding any tax treatment—federal, state, or local—of any Contract or of any transaction involving a Contract.

B. OUR TAX STATUS

We are taxed as a life insurance company and the operations of the Separate Account are treated as a part of our total operations. The Separate Account is not separately taxed as a “regulated investment company”. Investment income and capital gains of the Separate Account are not taxed to the extent they are applied under a Contract. We do not anticipate that we will incur federal income tax liability attributable to the income and gains of the Separate Account, and therefore we do not intend to provide for these taxes. If we are taxed on investment income or capital gains of the Separate Account, then we may charge the Separate Account to pay these taxes.

In calculating our corporate income tax liability, we derive certain corporate income tax benefits associated with the investment of company assets, including separate account assets that are treated as company assets under applicable income tax law. These benefits, which reduce our overall corporate income tax liability may include dividends received deductions and foreign tax credits which can be material. We do not pass these benefits through to the separate accounts, principally because: (i) the great bulk of the benefits results from the dividends received deduction, which involves no reduction in the dollar amount of dividends that the separate account receives; and (ii) under applicable income tax law, contract owners are not the owners of the assets generating the benefits.

C. TAXATION OF ANNUITIES IN GENERAL

1. Tax Deferral During Accumulation Period

Under the Code, except as described below, increases in the Contract Value of a Non-Qualified Contract are generally not taxable to the Owner or Annuitant until received as annuity payments or otherwise distributed. However, certain requirements must be satisfied for this general rule to apply, including:

• the Contract must be owned by an individual,

• Separate Account investments must be “adequately diversified”,

• we, rather than you, must be considered the owner of Separate Account assets for federal tax purposes,

• annuity payments must appropriately amortize Purchase Payments and Contract earnings, and

• required distributions upon death.

Non-Natural Owner. As a general rule, deferred annuity contracts held by “non-natural persons”, such as corporations, trusts or similar entities, are not annuity contracts for federal income tax purposes. The investment income on these contracts is taxed each year as ordinary income received or accrued by the non-natural owner. There are exceptions to this general rule for non-natural owners. Contracts are generally treated as held by a natural person if the nominal owner is a trust or other entity holding the contract as an agent for a natural person. However, this special exception does not apply to an employer who is the nominal owner of a contract under a non-qualified deferred compensation plan for its employees.

Additional exceptions to this rule include:

• certain Contracts acquired by a decedent’s estate due to the death of the decedent,

• certain Qualified Contracts,

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• certain Contracts used with structured settlement agreements, and

• certain Contracts purchased with a single premium when the annuity starting date is no later than one year from Contract purchase and substantially equal periodic payments are made at least annually.

Diversification Requirements. For a contract to be treated as an annuity for federal income tax purposes, separate account investments must be “adequately diversified”. The Treasury Secretary issued regulations prescribing standards for adequately diversifying separate account investments. If the Separate Account failed to comply with these diversification standards, the contract would not be treated as an annuity contract for federal income tax purposes and the owner would generally be taxed on the difference between the contract value and the purchase payments.

Although we do not control Fund investments, we expect that each Fund will comply with these regulations so that each Subaccount of the Separate Account will be considered “adequately diversified.”

Ownership Treatment. In certain circumstances, a variable annuity contract owner may be considered the owner of the assets of the separate account supporting the contract. Then, income and gains from separate account assets are includible in the owner’s gross income. The Internal Revenue Service (“IRS”), in published rulings, stated that a variable contract owner will be considered the owner of separate account assets if the owner possesses the ability to exercise investment control over the assets. There is limited guidance in this area, and some features of our Contracts, such as the flexibility of an owner to allocate premium payments and transfer amounts among the investment divisions of the separate account, have not been explicitly addressed in published rulings.

We do not know what limits may be set forth in any future guidance that the IRS may issue, or whether any such limits will apply to existing Contracts. We therefore reserve the right to modify the Contract as necessary to attempt to prevent you from being considered the owner of the Separate Account assets. However, there is no assurance that such efforts would be successful.

Required Distribution. In order to be treated as an annuity contract for federal income tax purposes, the Contract must provide that:

(a) if an Owner dies on or after the annuity starting date but prior to the time the entire interest in the Contract has been distributed, the remaining portion of such interest will be distributed at least as rapidly as under the method of distribution being used as of the date of that Owner’s death; and

(b) if an Owner dies prior to the annuity starting date, the entire interest in the Contract must be distributed within five years after the date of the Owner’s death.

The requirements of (b) above will be considered satisfied with respect to any portion of the Owner’s interest which is payable to or for the benefit of a “designated beneficiary” who is a natural person, is distributed over the life of that beneficiary or over a period not extending beyond the life expectancy of that beneficiary and such distributions begin within one year of that Owner’s death. If the Owner’s “designated beneficiary” is the surviving spouse of the Owner, however, the contract may be continued with the surviving spouse as the new Owner. The right of a spouse to continue the Contract, and all Contract provisions relating to spousal continuation are available only to a person who meets the definition of “spouse” under Federal law. The U.S. Supreme Court has held that same-sex marriages must be permitted under state law and that marriages recognized under state law will be recognized for federal law purposes. Domestic partnerships and civil unions that are not recognized as legal marriages under state law, however, will not be treated as marriages under federal law. You should consult a tax advisor for more information on this subject.

Nonqualified Contracts issued after January 18, 1985 contain provisions which are intended to comply with these death distribution requirements, although no regulations interpreting these requirements have yet been issued. We intend to review such provisions and modify them if necessary to assure that they comply with these requirements when clarified by regulation or otherwise.

Delayed Annuity Dates. If the Annuity Date occurs (or is scheduled to occur) when the Annuitant has reached an advanced age the Contract might not be treated as an annuity for federal income tax purposes. In that event, the income and gains under the Contract would be currently includible in your income.

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2. Taxation of Partial and Full Withdrawals

Partial withdrawals from a Non-Qualified Contract are includible in income to the extent the Contract Value exceeds the “investment in the contract.” This amount is referred to as the “income on the contract.” Full withdrawals are also includible in income to the extent they exceed the “investment in the contract.” Investment in the contract equals the total of Purchase Payments minus any amounts previously received from the Contract that were not includible in your income. All amounts includible in income with respect to the Contract are taxed as ordinary income.

Any assignment or pledge (or agreement to assign or pledge) of Contract Value is treated as a withdrawal. Investment in the contract is increased by the amount includible in income with respect to such assignment or pledge. If you transfer a contract interest, without adequate consideration, to someone other than your spouse (or to a former spouse incident to divorce), you will be taxed on the income on the contract. In this case, the transferee’s investment in the contract is increased to reflect the increase in your income.

The Contract’s optional death benefits, if elected, may exceed Purchase Payments or Contract Value. As described in the Prospectus, we impose certain charges with respect to these death benefits. It is possible that those charges (or some portion) could be treated as a partial withdrawal.

If the Contract includes the Guaranteed Retirement Income Benefit rider (the “GRIB rider”), and the Guaranteed Retirement Income Benefit Base is greater than the Contract Value, it is possible that the income on the contract could be a greater amount than would otherwise be the case. This could result in a larger amount being included in your income in connection with a partial withdrawal, assignment, pledge or other transfer.

There may be special income tax issues present in situations where the Owner and the Annuitant are not the same person and are not married to one another. A tax adviser should be consulted in those situations.

3. Taxation of Annuity Payments

Normally, the portion of each annuity payment taxable as income equals the payment minus the exclusion amount. The exclusion amount for variable annuity payments is the “investment in the contract” allocated to the variable annuity option and adjusted for any period certain or refund feature, divided by the number of payments expected to be made. The exclusion amount for fixed annuity payments is the payment times the ratio of the investment in the contract allocated to the fixed annuity option and adjusted for any period certain or refund feature, to the expected value of the fixed annuity payments.

Once the total amount of the investment in the contract is excluded using these ratios, annuity payments will be fully taxable. If annuity payments stop because the Annuitant dies before the total amount of the investment in the contract is recovered, the unrecovered amount generally is allowed as a deduction to the annuitant in the last taxable year.

With respect to a Contract issued with the GRIB rider, the Annuitant may elect to receive a lump sum payment after the Annuity Date. In the case of a Non-Qualified Contract, the Company will treat a portion of such lump sum payment as includible in income, and will determine the taxable portion of subsequent annuity payments by applying an exclusion ratio to the periodic payments. However, the federal income tax treatment of such a lump sum payment, and of the periodic payments made thereafter, is uncertain. It is possible that the IRS could take a position that greater amounts are includible in income than the Company currently believes is the case. Prior to electing a lump sum payment after the Annuity Date, you should consult a tax adviser about the tax implications of making such an election.

4. Partial Annuitization

Under a new tax provision enacted in 2010, if part of an annuity contract’s value is applied to an annuity option that provides payments for one or more lives or for a period of at least ten years, those payments may be taxed as annuity payments instead of withdrawals. None of the payment options under the Contract is intended to qualify for this “partial annuitization” treatment and, if you apply only part of the value of the Contract to a payment option, we will treat those payments as withdrawals for tax purposes.

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5. Taxation of Death Benefits

Amounts may be distributed upon your or the Annuitant’s death. Before the Annuity Date, death benefits are includible in income and:

• if distributed in a lump sum are taxed like a full withdrawal, or

• if distributed under an Annuity Option are taxed like annuity payments.

After the Annuity Date, where a guaranteed period exists and the Annuitant dies before the end of that period, payments made to the Beneficiary for the remainder of that period are includible in income as follows:

• if received in a lump sum are includible in income to the extent they exceed the unrecovered investment in the contract, or

• if distributed in accordance with the selected annuity option are fully excludable from income until the remaining investment in the contract is deemed to be recovered.

Thereafter, all annuity payments are fully includible in income.

6. Penalty Tax on Premature Distributions

A 10% penalty tax applies to a taxable payment from a Non-Qualified Contract unless:

• received on or after you reach age 59½,

• received due to your disability,

• made to a Beneficiary after your death or, for non-natural Owners, after the primary Annuitant’s death,

• made as a series of substantially equal periodic payments (at least annually) for your life (or life expectancy) or for the joint lives (or joint life expectancies) of you and a designated beneficiary (within the meaning of the tax law),

• made under a Contract purchased with a single premium when the annuity starting date is no later than one year from Contract purchase and substantially equal periodic payments are made at least annually, or

• made with annuities used with certain structured settlement agreements. Other exceptions may apply.

7. Aggregation of Contracts

The taxable amount of an annuity payment or withdrawal from a Non-Qualified Contract may be determined by combining some or all of the Non-Qualified Contracts you own. For example, if you purchase a Contract and also purchase an immediate annuity at approximately the same time, the IRS may treat the two contracts as one contract. In addition, if you purchase two or more deferred annuity contracts from the same company (or its affiliates) during any calendar year, these contracts are treated as one contract. The effects of this aggregation are not always clear. However, it could affect the taxable amount of an annuity payment or withdrawal and the amount which might be subject to the 10% penalty tax.

8. Assignment or Pledges

A transfer of ownership of a Non-Qualified Contract, a pledge of any interest in a Non-Qualified Contract as security for a loan, the designation of an annuitant or other payee who is not also the contract owner, or the assignment of the Non-Qualified Contract may result in taxable income. If you are contemplating such a transfer, pledge, designation or assignment, you should consult a competent tax adviser about its potential tax effects.

9. Exchange of Annuity Contracts

We may issue the Contract in exchange for all or part of another annuity contract that you own. Such an exchange will be tax free if certain requirements are satisfied. If the exchange is tax free, your investment in the Contract immediately after the exchange will generally be the same as that of the annuity contract exchanged, increased by any additional Purchase Payment made as part of the exchange. Your Contract Value

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immediately after the exchange may exceed your investment in the contract. That excess may be includible in income should amounts subsequently be withdrawn or distributed from the Contract (e.g. as a partial surrender, full surrender, annuity income payment, or death benefit). If you exchange part of an existing annuity contract for the Contract, the IRS might treat the two contracts as one annuity contract in certain circumstances. (See “Aggregation of Contracts.”) You should consult your tax adviser in connection with an exchange of all or part of an annuity contract for the Contract.

10. Loss of Interest Deduction Where Contracts Are Held by or for the Benefit of Certain Non-Natural Persons

For Contracts issued after June 8, 1997 to a non-natural owner, all or some portion of otherwise deductible interest may not be deductible by the owner. However, this interest deduction disallowance does not affect Contracts where the Owner is taxable each year on the investment income under the Contract. Entities considering purchasing the Contract, or entities that will be beneficiaries under a Contract, should consult a tax adviser.

D. QUALIFIED PLANS

The Contracts are also available for use in connection with retirement plans which receive favorable treatment under Sections 401, 403, 408, 408A or 457 of the Code (“Qualified Plans”). Such Contracts are referred to as “Qualified Contracts.” Numerous special tax rules apply to the participants in Qualified Plans and to Qualified Contracts. We make no attempt in this Prospectus to provide more than general information about use of the Contract with the various types of Qualified Plans. Persons intending to use the Contract in connection with qualified plans should consult a tax adviser.

Under the Code, qualified plans generally enjoy tax-deferred accumulation amounts invested in the plan. Therefore, in considering whether or not to purchase a Contract in a qualified plan, you should consider the Contract’s features other than tax deferral, including the availability of lifetime annuity payments and death benefit protection.

The tax rules applicable to Qualified Plans vary according to the type of plan and the terms and conditions of the plan. For example, for both withdrawals and annuity payments under certain Qualified Contracts, there may be no “investment in the contract” and the total amount received may be taxable. Also, loans from Qualified Contracts, where allowed, are subject to a variety of limitations, including restrictions as to the amount that may be borrowed, the duration of the loan, the number of allowable loans and the manner in which the loan must be repaid. (You should always consult your tax adviser and retirement plan fiduciary prior to exercising loan privileges.) Both the amount of the contribution that may be made, and the tax deduction or exclusion that you may claim for such contribution, are limited under Qualified Plans. If this Contract is used with a Qualified Plan, you and the Annuitant must be the same individual. If a joint Annuitant is named, all distributions made while the Annuitant is alive must be made to the Annuitant. Also, if a joint Annuitant is named who is not the Annuitant’s spouse, the annuity options which are available may be limited, depending on the difference in their ages. Furthermore, the length of any guarantee period may be limited in some circumstances to satisfy certain minimum distribution requirements under the Code.

Qualified Contracts are subject to special rules specifying the time at which distributions must begin and the amount that must be distributed each year. In the case of Individual Retirement Annuities, distributions of minimum amounts must generally begin by April 1 of the calendar year following the calendar year in which the owner attains age 70½, and for other Qualified Plans, the later of age 70½ or retirement. Roth IRAs, however, do not require distributions before death. An excise tax is imposed for the failure to comply with the minimum distribution requirements. This excise tax generally equals 50% of the amount by which a minimum required distribution exceeds the actual distribution. The death benefit or other optional benefit under your Contract may affect the amount of the minimum required distribution that must be taken from your Contract.

If you purchased a Qualified Contract with a GRIB rider and elect to receive a lump sum payment of a portion of the annuity income payments, it is possible that the remaining annuity income payments will not satisfy the minimum distribution requirements. You should consult a tax adviser about the implications under the minimum distribution requirements of taking a lump sum payment under the GRIB rider.

A 10% penalty tax may apply to the taxable amount of payments from Qualified Contracts. For Individual Retirement Annuities, the penalty tax does not apply, for example, to a payment:

• received after you reach age 59½,

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• received after your death or because of your disability, or

• made as a series of substantially equal periodic payments (at least annually) for your life (or life expectancy) or for the joint lives (or joint life expectancies) of you and your designated beneficiary.

In addition, the penalty tax does not apply to certain distributions used for qualified first time home purchases or for higher education expenses. Special conditions must be met to qualify for these exceptions. If you wish to take a distribution for these purposes you should consult your tax adviser. Other exceptions may apply.

Qualified Contracts are amended to conform to plan requirements. However, you are cautioned that the rights of any person to any benefits under Qualified Plans may be subject to the terms and conditions of the plans themselves, regardless of the terms and conditions of the Contract. In addition, we are not bound by terms and conditions of Qualified Plans if they are inconsistent with the Contract.

1. Qualified Plan Types

We may issue Contracts for the following types of Qualified Plans.

Individual Retirement Annuities. The Code permits eligible individuals to contribute to an individual retirement annuity known as an “IRA.” IRAs limit the amounts contributed, the persons eligible and the time when distributions start. Also, subject to direct rollover and mandatory withholding requirements, distributions from other types of qualified plans generally may be “rolled over” on a tax-deferred basis into an IRA. The Contract may not fund a “Coverdell Education Savings Account” (formerly known as an “Education IRA”).

Simplified Employee Pensions (SEP IRAs). The Code allows employers to establish simplified employee pension plans, using the employees’ IRAs. Under these plans the employer may make limited deductible contributions on behalf of the employees to IRAs. Employers and employees intending to use the Contract in connection with these plans should consult a tax adviser.

Distributions that are rolled over to an IRA within 60 days are not immediately taxable, however only one such rollover is permitted each year. Beginning in 2015, an individual can make only one rollover from an IRA to another (or the same) IRA in any 12-month period, regardless of the number of IRAs that are owned. The limit will apply by aggregating all of an individual’s IRAs, including SEP and SIMPLE IRAs as well as traditional and Roth IRAs, effectively treating them as one IRA for purposes of the limit. This limit does not apply to direct trustee-to-trustee transfers or conversions to Roth IRAs.

SIMPLE IRAs. The Code permits certain small employers to establish “SIMPLE retirement accounts,” including SIMPLE IRAs, for their employees. Under SIMPLE IRAs, certain deductible contributions are made by both employees and employers. SIMPLE IRAs are subject to various requirements, including limits on the amounts that may be contributed, the persons who may be eligible, and the time when distributions may commence. Employers and employees intending to use the Contract in connection with these plans should consult a tax adviser. Subject to certain exceptions, the 10% penalty tax on premature distributions prior to age 59½ is increased to 25% if the distribution occurs within the first two years after the commencement of the employee’s participation in the plan.

Roth IRAs. The Code permits contributions to an IRA known as a “Roth IRA.” Roth IRAs differ from other IRAs in certain respects, including:

• Roth IRA contributions are never deductible,

• “qualified distributions” from a Roth IRA are excludable from income,

• mandatory distribution rules do not apply before death,

• a rollover to a Roth IRA must be a “qualified rollover contribution,” under the Code,

• special eligibility requirements apply, and

• contributions to a Roth IRA can be made after the Owner has reached age 70½.

All or part of an IRA may be converted into a Roth IRA without taking an actual distribution. You may convert by notifying the IRA issuer or trustee. A conversion typically results in the inclusion of some or all of the IRA value in gross income, except that the 10% penalty tax does not apply on the conversion.

Any “qualified distribution”, as defined in Code Section 408A, from a Roth IRA is excludible from gross income. A qualified distribution includes a distribution made after you reach age 59½, after your death,

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because of your disability, or made to a first-time homebuyer. A qualified distribution can only be made after the first five tax years after the year for which you (or your spouse) made a contribution to any Roth IRA established for your benefit.

Tax-Sheltered Annuities. Code Section 403(b) permits public school employees and employees of certain types of charitable, educational and scientific organizations to have their employers purchase annuity contracts for them and, subject to certain limitations, to exclude the amount of purchase payments from taxable gross income. Purchase payments may be subject to FICA (social security) tax. These annuity contracts are commonly referred to as “tax-sheltered annuities”. If you purchase a Contract for such purposes, you should seek competent advice as to eligibility, limitations on permissible amounts of purchase payments and other tax consequences associated with the Contracts. In particular, you should consider that the Contract provides optional death benefits that in certain circumstances may exceed the greater of the Purchase Payments and the Contract Value (See “Guaranteed Minimum Death Benefit” and “Earnings Based Death Benefit under B. The Accumulation Period—7. Death Benefit”). It is possible that such death benefits could be characterized as incidental death benefits. If the death benefit were so characterized, this could result in currently taxable income to you. In addition, there are limitations on the amount of incidental benefits that may be provided under a tax-sheltered annuity.

Generally, a 10% penalty tax applies to distributions made before age 59½, unless certain exceptions apply. In addition, tax-sheltered annuity contracts must contain restrictions on withdrawals of:

• contributions made pursuant to a salary reduction agreement in years beginning after December 31, 1988,

• earnings on those contributions, and

• earnings after December 31, 1988 on amounts attributable to salary reduction contributions held as of December 31, 1988.

These amounts can be paid only if you have reached age 59½, severed employment, died, or becomes disabled (within the meaning of the tax law), or in the case of hardship (within the meaning of the tax law). Amounts permitted to be distributed in the event of hardship are limited to actual contributions; earnings thereon cannot be distributed on account of hardship. Amounts subject to the withdrawal restrictions applicable to Section 403(b)(7) custodial accounts may be subject to more stringent restrictions. (These limitations on withdrawals generally do not apply to the extent you direct us to transfer some or all of the Contract Value to the issuer of another tax-sheltered annuity or into a Section 403(b)(7) custodial account.)

For Contracts issued after December 31, 2008, amounts attributable to contributions other than salary reduction contributions generally may not be distributed before severance of employment or occurrence of an event specified in the employer’s Section 403(b) plan.

Pursuant to new tax regulations, we generally are required to confirm, with your 403(b) plan sponsor or otherwise, that withdrawals, transfers or surrenders you request from a 403(b) Contract comply with applicable tax requirements before we process your request. We will defer such payments you request until all information required under the tax law has been received. By requesting a surrender or transfer, you consent to the sharing of confidential information about you, the Contract, and transactions under the Contract and any other 403(b) contracts or accounts you have under the 403(b) plan among us, your employer or plan sponsor, any plan administrator or recordkeeper, and other product providers.

In light of the limitations in the new income tax regulations, the Company will require appropriate written documentation (i.e. information sharing agreements) in order to accept rollovers, transfers, or exchanges into a section 403(b) annuity contract. Before making a rollover, transfer, or exchange to another section 403(b) contract, you should consult your tax adviser about the tax consequences to you.

Deferred Compensation Plans of State and Local Governments and Tax-Exempt Organizations. The Code permits employees of state and local governments and tax-exempt organizations to defer a portion of their compensation without paying current taxes. The employees must be participants in an eligible deferred compensation plan. Under such plans, a participant may specify the form of investment in which his or her participation will be made. Under a non-governmental plan, all such investments, however, are owned by and subject to, the claims of the general creditors of the sponsoring employer. Those who intend to use the Contracts in connection with such plans should seek competent advice.

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Corporate Pension and Profit-Sharing Plans. Section 401(a) of the Code allows corporate employers to establish various types of retirement plans for employees, and self-employed individuals to establish qualified plans for themselves and their employees. Adverse tax consequences to the retirement plan, the participant or both may result if the Contract is transferred to any individual as a means to provide benefit payments, unless the plan complies with all the requirements applicable to such benefits prior to transferring the Contract.

The Contract includes optional death benefits that in some cases may exceed the greater of the Purchase Payments or the Contract Value. These death benefits could be characterized as an incidental benefit, the amount of which is limited in any pension or profit-sharing plan. Because the death benefit may exceed this limitation, and its value may need to be considered in calculating minimum required distributions, an employer using the Contract in connection with such a plan should consult its tax adviser.

2. Direct Rollovers

If the Contract is used with a retirement plan that is qualified under Sections 401(a), 403(a), or 403(b) of the Code or with an eligible government deferred compensation plan that is qualified under Section 457(b), any “eligible rollover distribution” from the Contract will be subject to mandatory withholding requirements. An eligible rollover distribution generally is any distribution from such a qualified retirement plan, excluding certain amounts such as:

• hardship distributions

• minimum distributions required under Section 401(a)(9) of the Code, and

• certain distributions for life, life expectancy, or for 10 years or more which are part of a “series of substantially equal periodic payments.”

Under these requirements, federal income tax equal to 20% of the taxable portion of the eligible rollover distribution will be withheld from the amount of the distribution. Unlike withholding on certain other amounts distributed from the Contract, discussed below, you cannot elect out of withholding with respect to an eligible rollover distribution. However, this 20% withholding will not apply if (i) the payee (or the payee’s spouse or former spouse as beneficiary or alternate payee) chooses a “direct rollover” from the plan to a tax qualified plan, IRA, Roth IRA or tax sheltered annuity or to a governmental 457 plan that agrees to separately account for rollover contributions; or (ii) the payee’s non-spouse beneficiary chooses a “direct rollover” from a plan to an IRA established by the direct rollover. Prior to receiving an eligible rollover distribution, a notice will be provided explaining generally the direct rollover and mandatory withholding requirements and how to avoid the 20% withholding by electing a direct rollover.

E. FEDERAL INCOME TAX WITHHOLDING

We withhold and send to the U.S. Government a part of the taxable portion of each distribution unless the payee notifies us before distribution of an available election not to have any amounts withheld. In certain circumstances, we may be required to withhold tax. The withholding rates for the taxable portion of periodic annuity payments are the same as the withholding rates for wage payments. In addition, the withholding rate for the taxable portion of non-periodic payments (including withdrawals prior to the maturity date and conversions of, or rollovers from, non-Roth IRAs to Roth IRAs) is 10%. The withholding rate for eligible rollover distributions is 20%.

F. OTHER TAX ISSUES

Federal Estate Taxes. While no attempt is being made to discuss the Federal estate tax implications of the Contract in detail, a purchaser should keep in mind that the value of an annuity contract owned by a decedent and payable to a beneficiary by virtue of surviving the decedent is included in the decedent’s gross estate. Depending on the terms of the annuity contract, the value of the annuity included in the gross estate may be the value of the lump sum payment payable to the designated beneficiary or the actuarial value of the payments to be received by the beneficiary. Consult an estate planning advisor for more information.

Generation-skipping transfer tax. Under certain circumstances, the Code may impose a “generation skipping transfer tax” when all or part of an annuity contract is transferred to, or a death benefit is paid to, an individual two or more generations younger than the Owner. Regulations issued under the Code may require us to deduct the tax from your Contract, or from any applicable payment, and pay it directly to the IRS.

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The uncertainty as to how the current law might be modified in coming years underscores the importance of seeking guidance from a qualified adviser to help ensure that your estate plan adequately addresses your needs and that of your beneficiaries under all possible scenarios.

Medicare Tax. Beginning in 2013, distributions from non-qualified annuity contracts will be considered “investment income” for purposes of the newly enacted Medicare tax on investment income. Thus, in certain circumstances, a 3.8% tax may be applied to some or all of the taxable portion of distributions (e.g. earnings) to individuals whose income exceeds certain threshold amounts ($200,000 for filing single, $250,000 for married filing jointly and $125,000 for married filing separately.) Please consult a tax advisor for more information.

Definition of “Spouse”. The Contract provides that upon your death, a surviving spouse may have certain continuation rights that he or she may elect to exercise for the Contract’s death benefit and/or for any joint-life coverage under an optional living benefit and all Contract provisions relating to spousal continuation are available only to a person who meets the definition of “spouse” under federal law. The U.S. Supreme Court has held that same-sex marriages must be permitted under state law and that marriages recognized under state law will be recognized for federal law purposes. Domestic partnerships and civil unions that are not recognized as legal marriages under state law, however, will not be treated as marriages under federal law. You should consult a tax advisor for more information on this subject.

Annuity purchases by residents of Puerto Rico. The Internal Revenue Service has announced that income received by residents of Puerto Rico under life insurance or annuity contracts issued by a Puerto Rico branch of a United States life insurance company is U.S.-source income that is generally subject to United States Federal income tax.

Annuity purchases by nonresident aliens and foreign corporations. The discussion above provides general information regarding U.S. federal income tax consequences to annuity purchasers that are U.S. citizens or residents. Purchasers that are not U.S. citizens or residents will generally be subject to U.S. federal withholding tax on taxable distributions from annuity contracts at a 30% rate, unless a lower treaty rate applies. In addition, purchasers may be subject to state and/or municipal taxes and taxes that may be imposed by the purchaser’s country of citizenship or residence. Prospective purchasers are advised to consult with a qualified tax adviser regarding U.S. state, and foreign taxation with respect to an annuity contract purchase.

Foreign Tax Credits. We may benefit from any foreign tax credits attributable to taxes paid by certain Funds to foreign jurisdictions to the extent permitted under Federal tax law.

Possible Tax Law Changes. Although the likelihood of legislative changes is uncertain, there is always the possibility that the tax treatment of the Contract could change by legislation or otherwise. Consult a tax adviser with respect to legislative developments and their effect on the Contract.

We have the right to modify the contract in response to legislative changes that could otherwise diminish the favorable tax treatment that annuity contract owners currently receive. We make no guarantee regarding the tax status of any contact and do not intend the above discussion as tax advice.

DISTRIBUTION OF CONTRACTS

We entered into a principal underwriting agreement with Investment Distributors, Inc. (“IDI”), 2801 Highway 280 South, Birmingham, AL 35223, for sale of the Contracts. IDI is a wholly-owed subsidiary of Protective Life Corporation. IDI is registered as a broker-dealer with the Securities and Exchange Commission and is a member of the Financial Industry Regulatory Authority (“FINRA”).

IDI entered into selling group agreements with affiliated and unaffiliated broker-dealers. All of the investment options may not be available to all Owners. The investment options are available only under Contracts that are sold or serviced by broker-dealers having a selling group agreement with IDI authorizing the sale of Contracts with the investment options specified in this Prospectus. Other distributors may sell and service contracts with different contract features, charges and investment options.

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VOTING RIGHTS

Proxy materials in connection with any Fund shareholder meeting are delivered to each Owner with Subaccount interests invested in the Fund as of the record date. Proxy materials include a voting instruction form. We vote all Fund shares proportionately in accordance with instructions received from Owners. We will also vote any Fund shares attributed to amounts we have accumulated in the Subaccounts in the same proportion that Owners vote. A Fund is not required to hold annual shareholders’ meetings. Funds hold special meetings as required or deemed desirable for such purposes as electing trustees, changing fundamental policies or approving an investment advisory agreement.

Owners have voting rights in a Fund or Portfolio based upon the Owner’s proportionate interest in the corresponding Subaccount as measured by units. Owners have voting rights before surrender, the Annuity Date or the death of the Annuitant. Thereafter, the payee entitled to receive Variable Annuity payments has voting rights. During the Annuity Period, Annuitants’ voting rights decrease as Annuity Units decrease.

REPORTS TO CONTRACT OWNERS AND INQUIRIES

Each calendar quarter we send you a statement showing amounts credited to each Subaccount and to the Fixed Account Option. It also shows the interest rate(s) that we are crediting upon amounts held in the Fixed Account Option. In addition, if you transfer amounts among the investment options or make additional payments, you receive written confirmation of these transactions. We will also send a current statement upon your request. We also send you annual and semi-annual reports for the Funds or Portfolios that underlie the Subaccounts in which you invest and a list of the securities held by that Fund or Portfolio. Read all reports carefully. If you find any errors, please contact us promptly to correct them.

You will have access to Contract information through the Interactive Voice Response System (IVR) at (888) 477-9700. You will also be able to access your account information from the website at www.insuranceserviceonline.com.

You may direct inquiries to the selling agent or may call (800) 457-9047 or write to Insurance Services, P.O. Box 758557, Topeka, KS 66675-8557.

DOLLAR COST AVERAGING

Under our Dollar Cost Averaging program, a predesignated portion of any Subaccount or the Fixed Account is automatically transferred on a monthly, quarterly, semi-annual or annual basis for a specified duration to other Subaccounts and the Fixed Account.

The theory of a DCA program is that by investing at regular and level increments over time, you will be able to purchase more Accumulation Units when the Accumulation Unit value is relatively low and less Accumulation units when the Accumulation Unit value is relatively high. DCA generally helps reduce the risk of purchasing Accumulation Units when market prices are high and selling when market prices are low. However, participation in the DCA program does not assure you of greater profit from your purchases under the program, nor will it prevent or necessarily reduce losses in a declining market. Moreover, while we refer to this program of periodic transfers generally as Dollar Cost Averaging, periodic transfers from a Subaccount (other than a Subaccount which maintains a stable net asset value), are less likely to produce the desired effect of the DCA program and may have the effect of reducing the average price of the Subaccount shares being redeemed.

The Owner may select any day of the month except for the 29^th, 30^th or 31^st for the DCA transfers to occur. The Dollar Cost Averaging program is available only during the Accumulation Period. You may enroll any time by completing our Dollar Cost Averaging form. We must receive the enrollment form at least five business days before the transfer date.

The minimum transfer amount is $100 per Subaccount or Fixed Account. At the time Dollar Cost Averaging is elected, the total Contract Value in the Subaccount or Fixed Account from which transfers will be made must be at least equal to the amount designated to be transferred on each transfer date times the duration selected.

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Dollar Cost Averaging ends if:

• the number of designated monthly transfers has been completed,

• Contract Value in the transferring account is insufficient to complete the next transfer; the remaining amount is transferred,

• we receive your written termination at least five business days before the next transfer date, or

• the Contract is surrendered or annuitized.

If the General Account balance is at least $10,000, you may elect automatic monthly or calendar quarter transfers of interest accrued in the General Account to one or more of the Subaccounts. Transfers are made within five business days of the end of the month or calendar quarter, as applicable. We must receive the enrollment form at least ten days before the end of the month or calendar quarter, as applicable.

SYSTEMATIC WITHDRAWAL PLAN

We offer a Systematic Withdrawal Plan (“SWP”) allowing you to preauthorize periodic withdrawals during the Accumulation Period. You instruct us to withdraw selected amounts from the Fixed Account or from any of the Subaccounts on a monthly, quarterly, semi-annual or annual basis. The SWP is available when you request a minimum $100 periodic payment. If the amounts distributed under the SWP exceed the free withdrawal amount, the Withdrawal Charge is applied on any amounts exceeding the free withdrawal amount. Withdrawals taken under the SWP may be subject to the 10% tax penalty on early withdrawals and to income taxes and withholding. If you are interested in SWP, you may obtain an application and information concerning this program and its restrictions from us or your agent. We give thirty days’ notice if we amend the SWP. The SWP may be terminated at any time by you or us.

DISCONTINUED ASSET ALLOCATION SERVICE

Effective March 31, 2008, the discretionary asset allocation service under the Managed Investment Advisory Account (“MIAA”) program provided by PMG Asset Management, Inc. (“PMG”), a registered investment adviser with the SEC, has been discontinued. After March 31, 2008, the asset allocation models available in the MIAA program are no longer updated and no additional MIAA program fees are deducted from any variable annuity contracts.

PROVISIONS OF PRIOR CONTRACTS

Certain provisions of the Contract became effective upon the later of June 1, 1993 or the date of state approval. Please consult your Contract for its specific provisions. If the provisions are not yet approved in your state, you will receive an earlier version of the Contract and the following provisions will apply:

Fixed Accumulation Options. Fixed accumulations and benefits under the prior contracts are provided in two Fixed Accumulation Options of the General Account. Any portion of the purchase payment allocated to a Fixed Accumulation Option is credited with interest daily at a rate declared by us in our sole discretion, but not less than 4%.

Transfers During The Accumulation Period. During the Accumulation Period, you may transfer the General Account II Contract value minus 125% of Debt twice during the Contract Year to one or more Subaccounts or to General Account I in the thirty day period following the anniversary of a Contract year or the thirty day period following the date of the confirmation statement provided for the period through the anniversary date, if later.

Withdrawals During The Accumulation Period. You may request a partial withdrawal subject to the following conditions:

• The amount requested must be at least $500 or your entire interest in the Subaccount, General Account I or General Account II from which withdrawal is requested.

• Your Contract interest in the Subaccount, General Account I or General Account II from which the withdrawal is requested must be at least $500 after the withdrawal is completed.

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Loans. For non-ERISA loans under Section 403(b), the loan interest rate is 6%. While the loan is outstanding, the portion of the General Account Contract Value that equals the debt will earn interest at a rate 2% less than loan rate.

Records Maintenance Charge. We will assess an annual Records Maintenance Charge of $25 during the Accumulation Period against each Contract which has participated in one or more of the Subaccounts during the calendar year whether or not any purchase payments have been made during the year. The imposition of the Records Maintenance Charge will be made on December 31st of each year.

Annuity Unit Value and First Periodic Payment. For purposes of determining the value of an Annuity Unit and the amount of the first annuity payment, the assumed interest rate is 4%, which is also reflected in the annuity tables contained in the Contracts.

LEGAL PROCEEDINGS

From time to time, ZALICO is a party to certain legal and other proceedings incidental to our insurance business. Our management believes that the resolution of these various matters will not result in any material adverse effect on the Separate Account, on our consolidated financial position, or on our ability to meet our obligations under the Contracts. As of the date of this Prospectus, it also appears that there are no pending or threatened lawsuits that are likely to have a material adverse impact on Investment Distributors, Inc.’s (“IDI”) ability to perform its obligations under its principal underwriting agreement. There are no material legal proceedings pending to which IDI is a party.

TABLE OF CONTENTS—STATEMENT OF ADDITIONAL INFORMATION

The Statement of Additional Information, Table of Contents is: Services to the Separate Account; State Regulation; Condensed Financial Information; Experts; Financial Statements; Report of Independent Registered Public Accounting Firm; Financial Statements of Separate Account; Report of Independent Registered Public Accounting Firm; Financial Statements of Zurich American Life Insurance Company; Appendix A State Premium Tax Chart; and Appendix B Condensed Financial Information. The Statement of Additional Information should be read in conjunction with this Prospectus.

EXPERTS

The statutory financial statements and schedules of Zurich American Life Insurance Company as of December 31, 2018 and 2017 and for each of the three years in the period ended December 31, 2018 (prepared in conformity with accounting practices prescribed or permitted by the Illinois Department of Financial and Professional Regulations—Division of Insurance) and the U.S. GAAP statement of assets, liabilities, and contract owners’ equity of ZALICO Variable Annuity Separate Account as of December 31, 2018 and the related statement of operations and statements of changes in contract owners’ equity for each of the periods presented included in the Statement of Additional Information, have been so included in reliance on the reports of PricewaterhouseCoopers LLP, an independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting.

The principal business address of PricewaterhouseCoopers LLP is One North Wacker, Chicago, IL 60606.

FINANCIAL STATEMENTS

This Statement of Additional Information contains financial statements for ZALICO and the Separate Account. The financial statements of ZALICO should be considered primarily as bearing on our ability to meet our obligations under the Contract. The Contracts are not entitled to participate in our earnings, dividends or surplus. The financial statements for the Separate Account reflect assets attributable to the Contracts and also assets attributable to other variable annuity contracts offered by ZALICO through the Separate Account.

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CONTRACTS ISSUED MAY 1, 2001 THROUGH FEBRUARY 18, 2002

Guaranteed Retirement Income Benefit: General

The Guaranteed Retirement Income Benefit (“GRIB”) was an optional Contract benefit available under Contracts issued on or after May 1, 2001 and before February 19, 2002. GRIB is not offered on Contracts issued on or after February 19, 2002. We reserve the right to begin offering GRIB at any time.

GRIB provides a guaranteed amount of annuity payments for the lifetime of the Annuitant or for a period certain upon annuitization as described below. GRIB may be exercised only within thirty days after a Contract anniversary after the end of your seven or ten year waiting period or after any subsequent Contract anniversary date. The waiting period may not extend beyond the Annuity Date.

If you elected the GRIB rider, the charge is 0.40% and 0.30% of the Contract Value, respectively, for the seven and ten year waiting periods. The GRIB rider charge is in addition to the Contract charges and expenses appearing in the “Summary of Expenses”. Within 30 days after the second Contract anniversary or any Contract anniversary thereafter, you are permitted to replace your existing GRIB rider with any GRIB rider, if any, then currently being offered by us. The new GRIB benefit and waiting period will begin on the day you elect to replace the existing GRIB rider. You may cancel the GRIB rider at any time by written notice to us. Once cancelled, GRIB may not be elected again. Since any guaranteed benefits under GRIB will be lost, you should carefully consider your decision to cancel GRIB.

GRIB only applies to the determination of income payments upon annuitization in the circumstances described in this section of the Prospectus. It is not a guarantee of Contract Value or performance. This benefit does not enhance the amounts paid in partial withdrawals, surrenders, or death benefits. If you surrender your Contract, you will not receive any benefit under GRIB.

Annuity Payments with GRIB

Annuity payments are based on the greater of:

(1) the income provided by applying the GRIB base to the guaranteed annuity factors, or

(2) the income provided by applying the Contract Value to the current annuity factors.

The GRIB base is the greater of (1), (2) or (3) listed below, less Debt:

(1) the Contract Value or, if greater, the amount that would have been payable in the event of a full surrender on the date of death;

(2) the total amount of Purchase Payments less adjustments for withdrawals accumulated at 5.00% per year to the earlier of the original Annuitant’s 85th birthday or the GRIB exercise date, increased by Purchase Payments made from the 85th birthday to the GRIB exercise date and decreased by any adjustments for withdrawals from the 85th birthday to the GRIB exercise date; or

(3) the greatest anniversary value immediately preceding the earlier of the original Annuitant’s 86th birthday or the GRIB exercise date, increased by Purchase Payments made since the date of the greatest anniversary value and decreased by any adjustments for withdrawals since that date. The anniversary value equals the Contract Value on each Contract anniversary during the Accumulation Period.

For joint annuitants, the age of the older of the original two Annuitants will be used for purposes of (2) and (3) above.

An adjustment for a withdrawal is the sum of any amount available as a dollar for dollar reduction, and a proportionate reduction. The maximum dollar for dollar reduction is 5% of the Dollar for Dollar Base, less any prior dollar for dollar withdrawals in the Contract Year. The Dollar for Dollar Base is total premiums less withdrawals assessed a Withdrawal Charge and less any Withdrawal Charges. A proportionate reduction is applicable when the withdrawal and any Withdrawal Charges exceed the maximum dollar for dollar reduction. The proportionate reduction is the amount in (2) and/or (3) above, reduced by any dollar for dollar reduction, multiplied by (a) divided by (b), where:

(a) is the withdrawal plus any Withdrawal Charges reduced by any dollar for dollar reduction, and

(b) is the Contract Value, adjusted by any Market Value Adjustment, reduced by any dollar for dollar reduction.

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The guaranteed annuity factors are based on the “1983 Table a” individual Annuity mortality table developed by the Society of Actuaries, projected using Projection Scale G, with interest at 2.5%. However, for GRIB elections, interest at 3.00% is assumed for all years. Contracts issued in the state of Montana or in connection with certain employer sponsored employee benefit plans are required to use unisex annuity factors. In such cases, the guaranteed annuity factors will be based on unisex rates.

Since GRIB is based on conservative actuarial factors, the income guaranteed may often be less than the income provided under the regular provisions of the Contract. If the regular annuitization provisions would provide a greater benefit than GRIB, the greater amount will be paid.

GRIB is paid for the life of a single Annuitant or the lifetimes of two Annuitants. If paid for the life of a single Annuitant, GRIB is paid in the amount determined above. If paid for the lifetimes of two Annuitants, GRIB is paid in the amount determined above, using the joint ages of the Annuitants.

If you elect GRIB payable for the life of a single Annuitant, we will guarantee payment for a period certain of 5, 10, 15, or 20 years. If you elect GRIB payable for the lifetimes of two Annuitants, the period certain is 25 years. The full GRIB is payable as long as at least one of the two Annuitants is alive, but for no less than 25 years.

When the Annuitant dies, (or in the case of joint annuitants, when both, have died) we will automatically continue any unpaid installments for the remainder of the elected period certain. However, if the Beneficiary so elects, we will pay a commuted value of the remaining payments. In determining the commuted value, the present value of the remaining payments in the period certain will be calculated based on the applicable interest rate plus an interest rate adjustment factor. The interest rate adjustment factor is equal to the following:

Number of years remaining in the period certain	Interest rate Adjustment
15 or more years		1.00	%
10 or more but less than 15 years		1.50	%
less than 10 years		2.00	%

The interest rate adjustment factor is a part of the formula we use to determine the present value of the remaining annuity payments under a period certain variable annuity option if you elect to commute such payments under GRIB. 2% is the highest percentage adjustment. The actual rate will depend on the number of years remaining in the period certain.

The amount of each payment for purposes of determining the present value of any variable installments will be determined by applying the Annuity Unit value next determined following our receipt of due proof of death.

GRIB payments are also available on a quarterly, semi-annual or annual basis. We may make other annuity options available.

Commutable Annuity Payments

• If you exercise the GRIB option, you may elect partial lump sum payments during the Annuity Period.

• Lump sum payments are available only during the period certain applicable under the payout option you elected; for example, lump sum payments can be elected only during the 5, 10, 15, 20 or 25 year certain period that applies to the payout.

• Lump sum payments are available once in each Contract Year and may not be elected until one year after you elect to exercise GRIB.

• You may elect to receive a partial lump sum payment of the present value of the remaining payments in the period certain subject to the restrictions described below. If a partial lump sum payment is elected, the remaining payments in the period certain will be reduced based on the ratio of the amount of the partial withdrawal to the amount of the present value of the remaining installments in the period certain prior to the withdrawal. If the Annuitant is still living after the period certain is over, the payee will begin receiving the original annuitization payment amount again.

• Each time that a partial lump sum payment is made, we will determine the percentage that the payment represents of the present value of the remaining installments in the period certain. For Non-Qualified Contracts, the sum of these percentages over the life of the Contract cannot exceed

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75%. For Qualified Contracts, partial lump sum payments of up to 100% of the present value of the remaining installments in the period certain may be made.

• In determining the amount of the lump sum payment that is available, the present value of the remaining installments in the period certain will be calculated based on an interest rate equal to the GRIB annuity factor interest rate of 3% plus an interest rate adjustment. The interest rate adjustment is equal to the following:

Number of years remaining in the period certain	Interest rate Adjustment
15 or more years		1.00	%
10 or more but less than 15 years		1.50	%
Less than 10 years		2.00	%

The interest rate adjustment factor is a part of the formula we use to determine the present value of the remaining annuity payments under a period certain variable annuity option if you elect to commute such payments under GRIB. 2% is the highest percentage adjustment. The actual rate will depend on the number of years remaining in the period certain.

The amount of each payment for purposes of determining the present value of any variable installments will be determined by applying the Annuity Unit value next determined following our receipt of your request for commutation.

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APPENDIX

ZURICH AMERICAN LIFE INSURANCE COMPANY DEFERRED FIXED

AND VARIABLE ANNUITY IRA, ROTH IRA AND SIMPLE IRA

DISCLOSURE STATEMENT

This Disclosure Statement describes the statutory and regulatory provisions applicable to the operation of traditional Individual Retirement Annuities (IRAs), Roth Individual Retirement Annuities (Roth IRAs) and Simple Individual Retirement Annuities (SIMPLE IRAs). Internal Revenue Service regulations require that this be given to each person desiring to establish an IRA, Roth IRA or a SIMPLE IRA. Except where otherwise indicated, IRA discussion includes Simplified Employee Pension IRAs (SEP IRA). Further information can be obtained from Zurich American Life Insurance Company and from any district office of the Internal Revenue Service. Also, see IRS publication 590-A and 590-B (hereinafter referred to as Publication 590), Individual Retirement Arrangements (IRAs) at www.irs.gov.

This Disclosure Statement is for your general information and is not intended to be exhaustive or conclusive, to apply to any particular person or situation, or to be used as a substitute for qualified legal or tax advice.

Please note that the information contained herein is based on current Federal income tax law, income tax regulations, and other guidance provided by the IRS. Hence, this information is subject to change upon an amendment of the law or the issuance of further regulations or other guidance. Information in this section is limited to federal income tax and thus does not address federal gift and estate tax (with the exception of Section R). Also, you should be aware that state tax laws may differ from Federal tax laws governing such arrangements. You should consult your tax adviser about any state tax consequences of your IRA or Roth IRA, whichever is applicable.

A. REVOCATION

Within 7 days of the date you signed your enrollment application, you may revoke the Contract and receive back 100% of your money. To do so, write Insurance Services, P.O. Box 758557, Topeka KS 66675-8557, or call (800) 457-9047. Notice of revocation will be deemed mailed on the date of the postmark (or if sent by certified or registered mail, the date of the certification or registration) if it is deposited in the mail in the United States in an envelope, or other appropriate wrapper, first class postage prepaid, properly addressed.

B. STATUTORY REQUIREMENTS

This Contract is intended to meet the requirements of Section 408(b) of the Internal Revenue Code (Code), Section 408A of the Code for use as a Roth IRA, or of Section 408(p) of the Code for use as a SIMPLE IRA, whichever is applicable. The Contract has not been approved as to form for use as an IRA, Roth IRA or a SIMPLE IRA by the Internal Revenue Service. Such approval by the Internal Revenue Service is a determination only as to form of the Contract, and does not represent a determination on the merits of the Contract.

1. The amount in your IRA, Roth IRA, and SIMPLE IRA, whichever is applicable, must be fully vested at all times and the entire interest of the owner must be nonforfeitable.

2. The Contract must be nontransferable by the owner.

3. The Contract must have flexible premiums.

4. For IRAs and SIMPLE IRAs, you must start receiving distributions on or before April 1 of the year following the year in which you reach age 70¹⁄₂ (the required beginning date) (see “Required Distributions”). However, Section 401(a)(9)(A) of the Code (relating to minimum distributions required to commence at age 70¹⁄₂), and the incidental death benefit requirements of Section 401(a) of the Code, do not apply to Roth IRAs.

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If you die on or after the date required minimum distributions under Section 401(a)(9) of the Code commence, unless otherwise permitted under applicable law, any remaining interest in the Contract must be distributed at least as rapidly as under the method of distribution being used as of the date of death. If you die before required minimum distributions commence, unless otherwise permitted under applicable law, any remaining interest in the Contract must be distributed to your beneficiary by December 31 of the calendar year containing the fifth anniversary of your death; except that: (1) if the interest is payable to an individual who is your designated beneficiary (within the meaning of Section 401(a)(9) of the Code), the designated beneficiary may elect to receive the entire interest over his or her life, or over a period certain not extending beyond his or her life expectancy, commencing on or before December 31 of the calendar year immediately following the calendar year in which you die; and (2) if the sole designated beneficiary is your spouse, the Contract will be treated as his or her own IRA, or, where applicable, Roth IRA.

5. Except in the case of a rollover contribution or a direct transfer (see “Rollovers and Direct Transfers”), or a contribution made in accordance with the terms of a Simplified Employee Pension (SEP), all contributions to an IRA, Roth and SIMPLE IRA must be cash contributions which do not exceed certain limits.

6. The Contract must be for the exclusive benefit of you and your beneficiaries.

C. ROLLOVERS AND DIRECT TRANSFERS FOR IRAs AND SIMPLE IRAs

1. A rollover is a tax-free transfer from one retirement program to another that you cannot deduct on your tax return. There are two kinds of tax-free rollover payments to an IRA. In one, you transfer amounts from another IRA. With the other, you transfer amounts from a qualified plan under Section 401(a) of the Code, a qualified annuity under Section 403(a) of the Code, a tax-sheltered annuity or custodial account under Section 403(b) of the Code, or a governmental plan under Section 457(b) of the Code (collectively referred to as “qualified employee benefit plans”). Tax-free rollovers can be made from a SIMPLE IRA to another SIMPLE IRA under Section 408(p) of the Code. An individual can make a tax-free rollover to an IRA (other than a Roth IRA) from a SIMPLE IRA, or vice-versa, after a two-year period has expired since the individual first participated in a SIMPLE plan. In addition, if you have participated in your SIMPLE IRA for at least two years, certain distributions from retirement plans (pension plan, profit-sharing plan, Keogh, 403(b), 401(k) or governmental 457, but not contributions from Roth 401(k) or Roth 403(b) accounts) are also eligible for rollover to your SIMPLE IRA.

2. You must complete the rollover by the 60^th day after the day you receive the distribution from your IRA or other qualified employee benefit plan or SIMPLE IRA. The failure to satisfy this 60-day requirement may be waived by the Internal Revenue Service in certain circumstances. Distributions that are rolled over to an IRA within 60 days are not immediately taxable, however only one such rollover is permitted each year.

3. A rollover distribution may be made to you only once a year. The one-year period begins on the date you receive the rollover distribution, not on the date you roll it over (reinvest it). Beginning in 2015, an individual can make only one rollover from an IRA to another (or the same) IRA in any 12-month period, regardless of the number of IRAs that are owned. The limit will apply by aggregating all of an individual’s IRAs, including SEP and SIMPLE IRAs as well as traditional and Roth IRAs, effectively treating them as one IRA for purposes of the limit. This limit does not apply to direct trustee-to-trustee transfers or conversions to Roth IRAs.

4. A trustee-to-trustee transfer to an IRA of funds in an IRA from one trustee or insurance company to another is not a rollover. It is a transfer that is not affected by the one-year waiting period.

5. All or a part of the premium for this Contract used as an IRA may be paid from a rollover from an IRA or qualified employee benefit plan or from a trustee-to-trustee transfer from another IRA. All or part of the premium for this Contract used as a SIMPLE IRA may be paid from a rollover or direct transfer from a SIMPLE IRA or, to the extent permitted by law, from another IRA or retirement plan as described above.

6. A distribution that is eligible for rollover treatment from a qualified employee benefit plan will be subject to twenty percent (20%) withholding by the Internal Revenue Service even if you roll the distribution over within the 60-day rollover period. One way to avoid this withholding is to make the distribution as a direct transfer to the IRA trustee or insurance company.

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D. CONTRIBUTION LIMITS AND ALLOWANCE OF DEDUCTION FOR IRAs

1. In general, the amount you can contribute each year to an IRA is the lesser of (1) 100% of your compensation, or (2) the maximum annual contributions under Section 219(b) of the Code, including “catch-up” contributions for certain individuals age 50 and older. The maximum annual contribution limit for IRA contributions is equal to $6,000 for 2019. After 2019, the limit may be indexed annually in $500 increments, as determined by the Secretary of Treasury to reflect cost of living increases. An individual who has attained age 50 may make additional “catch-up” IRA contributions. The maximum annual contribution limit for the individual is increased by $1,000 except as otherwise provided by law. If you have more than one IRA, the limit applies to the total contributions made to your own IRAs for the year. Generally, if you work the amount that you earn is compensation. Wages, salaries, tips, professional fees, bonuses and other amounts you receive for providing personal services are compensation. If you own and operate your own business as a sole proprietor, your net earnings reduced by your deductible contributions on your behalf to self-employed retirement plans are compensation. If you are an active partner in a partnership and provide services to the partnership, your share of partnership income reduced by deductible contributions made on your behalf to qualified retirement plans is compensation. All taxable alimony and separate maintenance payments received under a decree of divorce or separate maintenance is compensation.

2. In the case of a married couple filing a joint return, up to the maximum annual contribution can be contributed to each spouse’s IRA, even if one spouse has little or no compensation. This means that the total combined contributions that can be made to both IRAs can be as much as $14,000 for 2019 ($6,000 annual contribution for each individual, plus $1,000 for each individual who has attained age 50).

3. In the case of a married couple with unequal compensation who file a joint return, the limit on the deductible contributions to the IRA of the spouse with less compensation is the smaller of:

a. The maximum annual contribution, or

b. The total compensation of both spouses, reduced by any deduction allowed for contributions to IRAs of the spouse with more compensation.

The deduction for contributions to both spouses’ IRAs may be further limited if either spouse is covered by an employer retirement plan.

4. If either you or your spouse is an active participant in an employer-sponsored plan and have a certain level of income, the amount of the contribution to your IRA that is deductible is phased out, and in some cases eliminated. If you are an active participant in an employer-sponsored plan, the deductibility of your IRA contribution will be phased out, depending on your adjusted gross income, or combined adjusted gross income in the case of a joint tax return, as follows:

	Phase-Out Range
Joint Returns	$	103,000–$123,000
Single Taxpayers	$	64,000–$  74,000

The phase-out range for married individuals filing separately is $0–$10,000. If you file a joint tax return and are not an active participant in an employer sponsored plan, but your spouse is, in 2019 the amount of the deductible IRA contribution is phased out for adjusted gross income between $193,000 and $203,000. These amounts may be indexed for cost of living increases in future years.

To designate a contribution as nondeductible, you must file IRS Form 8606, Nondeductible IRAs. You may have to pay a penalty if you make nondeductible contributions to an IRA and you do not file Form 8606 with your tax return, or if you overstate the amount of nondeductible contributions on your Form 8606. If you do not report nondeductible contributions, all of the contributions to your traditional IRA will be treated as deductible, and all distributions from your IRA will be taxed, unless you can show, with satisfactory evidence, that nondeductible contributions were made.

5. Contributions to your IRA for a year can be made at any time up to April 15 of the following year. If you make the contribution between January 1 and April 15, however, you may elect to treat the contribution as made either in that year or in the preceding year. You may file a tax return claiming a deduction for your

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IRA contribution before the contribution is actually made. You must, however, make the contribution by the due date of your return not including extensions.

6. You cannot make a contribution other than a rollover or transfer contribution to your IRA for the year in which you reach age 70¹⁄₂ or thereafter.

7. For tax years beginning before January 1, 2007, a taxpayer may qualify for a tax credit for contributions to an IRA, depending on the taxpayer’s adjusted gross income.

E. SEP IRAs

1. SEP IRA rules concerning eligibility and contributions are governed by Code Section 408(k). In 2019, the maximum deductible employer contribution for a SEP IRA is the lesser of $56,000 (may be indexed for cost-of-living increases in future years) or 25% of compensation.

2. A SEP must be established and maintained by an employer (corporation, partnership, sole proprietor).

F. SIMPLE IRAs

1. A SIMPLE IRA must be established with your employer using a qualified salary reduction agreement.

2. You may elect to have your employer contribute to your SIMPLE IRA, under a qualified salary reduction agreement, an amount (expressed as a percentage of your compensation) not to exceed $13,000 for 2019 or $16,000 if you are over age 50. After 2019, the limits may be indexed annually, except as otherwise provided by law. In addition to these employee elective contributions, your employer is required to make each year either (1) a matching contribution equal to up to 3 percent, and not less than 1 percent, of your SIMPLE IRA contribution for the year, or (2) a non-elective contribution equal to 2 percent of your compensation for the year (up to $280,000 of compensation in 2019, as may be adjusted for inflation in future years). No other contributions may be made to a SIMPLE IRA.

3. Employee elective contributions and employer contributions (i.e., matching contributions and nonelective contributions) to your SIMPLE IRA are excluded from your gross income.

4. To the extent an individual with a SIMPLE IRA is no longer participating in a SIMPLE plan (e.g., the individual has terminated employment), and two years have passed since the individual first participated in the plan, the individual may treat the SIMPLE IRA as an IRA.

G. TAX STATUS OF THE CONTRACT AND DISTRIBUTIONS FOR IRAs AND SIMPLE IRAs

1. Earnings of your IRA annuity contract are not taxed until they are distributed to you.

2. In general, taxable distributions are included in your gross income in the year you receive them.

3. Distributions under your IRA are non-taxable to the extent they represent a return of non-deductible contributions (if any). The non-taxable percentage of a distribution is determined generally by dividing your total undistributed, non-deductible IRA contributions by the value of all your IRAs (including SEPs and rollovers).

4. You cannot choose the special five-year or ten-year averaging that may apply to lump sum distributions from qualified employer plans.

H. REQUIRED DISTRIBUTIONS FOR IRAs AND SIMPLE IRAs

You must start receiving minimum distributions required under the Contract and Section 401(a)(9) of the Code from your IRA and SIMPLE IRA starting with the year you reach age 70¹⁄₂ (your 70¹⁄₂ year). Ordinarily, the required minimum distribution for a particular year must be received by December 31 of that year. However, you may delay the required minimum distribution for the year you reach age 70¹⁄₂ until April 1 of the following year (i.e., the required beginning date).

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Annuity payments which begin by April 1 of the year following your 70¹⁄₂ year satisfy the minimum distribution requirement if they provide for non-increasing payments over your life or the lives of you and your designated beneficiary (within the meaning of Section 401(a)(9) of the Code), provided that, if installments are guaranteed, the guaranty period does not exceed the applicable life or joint expectancy.

The applicable life expectancy is your remaining life expectancy or the remaining joint life and last survivor expectancy of you and your designated beneficiary, determined as set forth in applicable federal income tax regulations.

If you have more than one IRA, you must determine the required minimum distribution separately for each IRA; however, you can take the actual distributions of these amounts from any one or more of your IRAs.

In addition, the after-death minimum distribution requirements described generally in section B. STATUTORY REQUIREMENTS apply to IRAs and SIMPLE IRAs.

If the actual distribution from your Contract is less than the minimum amount that should be distributed in accordance with the minimum distribution requirements mentioned above, the difference generally is an excess accumulation. There is a 50% excise tax on any excess accumulations. If the excess accumulation is due to reasonable error, and you have taken (or are taking) steps to remedy the insufficient distribution, you can request that this 50% excise tax be excused by filing with your tax return an IRS Form 5329, together with a letter of explanation and the excise tax payment.

I. ROTH IRAs

1. If your Contract is a special type of individual retirement plan known as a Roth IRA, it will be administered in accordance with the requirements of section 408A of the Code. Roth IRAs are treated the same as other IRAs, except as described here.

2. If your Contract is a Roth IRA, we will send you a Roth IRA endorsement to be attached to, and to amend, your Contract. The Company reserves the right to amend the Contract as necessary or advisable from time to time to comply with future changes in the Internal Revenue Code, regulations or other requirements imposed by the IRS to obtain or maintain its approval of the annuity as a Roth IRA.

3. Earnings in your Roth IRA are not taxed until they are distributed to you, and will not be taxed if they are paid as a “qualified distribution,” as described to you in section L, below.

4. The minimum distribution requirements that apply to IRAs do not apply to Roth IRAs while the owner is alive. However, after the death of a Roth IRA owner, the after-death minimum distribution rules that apply to IRAs also apply to Roth IRAs as though the Roth IRA owner died before his or her required beginning date. You may not use your Roth IRA to satisfy minimum distribution requirements for traditional IRAs. Nor may you use distributions from an IRA for required distributions from a Roth IRA.

J. ELIGIBILITY AND CONTRIBUTIONS FOR ROTH IRAs

1. Generally, you are eligible to establish or make a contribution to your Roth IRA only if you meet certain income limits. No deduction is allowed for contributions to your Roth IRA. Contributions to your Roth IRA may be made even after you attain age 70¹⁄₂.

2. The maximum aggregate amount of contributions for any taxable year to all IRAs, including all Roth IRAs, maintained for your benefit (the “contribution limit”) generally is the lesser of (1) 100% of your compensation, or (2) the maximum annual contributions under Section 219(b) of the Code, including “catch-up” contributions for certain individuals age 50 and older (as discussed in section D, above).

The contribution limit for any taxable year is reduced (but not below zero) by the amount which bears the same ratio to such amount as:

(a) the excess of (i) your adjusted gross income for the taxable year, over (ii) the “applicable dollar amount,” bears to

(b) $15,000 (or $10,000 if you are married).

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For this purpose, “adjusted gross income” is determined under the Code and (1) excludes any amount included in gross income as a result of any rollover from, transfer from, or conversion of an IRA to a Roth IRA, and (2) is reduced by any deductible IRA contribution. In 2019, if you are not covered by a retirement plan at work and you are married filing jointly, your contribution limits begin to phase out at $193,000 of modified adjusted gross income, and no contributions are allowed above $203,000. If you are married filing separately and lived with your partner at least some of the year, your contribution limits begin to phase out at $0, and no contributions are allowed above $10,000. For other filers, contribution limits begin to phase out at $122,000, and no contributions are permitted above $137,000. These amounts may be indexed for cost of living increases in future years.

A “qualified rollover contribution” (discussed in section K, below), and a non-taxable transfer from another Roth IRA, are not taken into account for purposes of determining the contribution limit.

K. ROLLOVERS, TRANSFERS AND CONVERSIONS TO ROTH IRAs

1. Rollovers and Transfers—A rollover may be made to a Roth IRA only if it is a “qualified rollover contribution.” A “qualified rollover contribution” is a rollover to a Roth IRA from another Roth IRA or from an IRA, but only if such rollover contribution also meets the rollover requirements for IRAs under Section 408(d)(3). In addition, a transfer may be made to a Roth IRA directly from another Roth IRA or from an IRA.

You may not make a qualified rollover contribution or transfer in a taxable year from an IRA to a Roth IRA if (a) your adjusted gross income for the taxable year exceeds $100,000 or (b) you are married and file a separate return.

The rollover requirements of Section 408(d)(3) are complex and should be carefully considered before you make a rollover. One of the requirements is that the amount received be paid into another IRA (or Roth IRA) within 60 days after receipt of the distribution. The failure to satisfy this 60-day requirement may be waived by the Internal Revenue Service in certain circumstances. In addition, a rollover contribution from a Roth IRA may be made by you only once a year. The one-year period begins on the date you receive the Roth IRA distribution, not on the date you roll it over (reinvest it) into another Roth IRA. If you withdraw assets from a Roth IRA, you may roll over part of the withdrawal tax free into another Roth IRA and keep the rest of it. A portion of the amount you keep may be included in your gross income.

2. Taxation of Rollovers and Transfers to Roth IRAs—A qualified rollover contribution or transfer from a Roth IRA maintained for your benefit to another Roth IRA maintained for your benefit which meets the rollover requirements for IRAs under Section 408(d)(3) is tax-free.

In the case of a qualified rollover contribution or a transfer from an IRA maintained for your benefit to a Roth IRA maintained for your benefit, any portion of the amount rolled over or transferred which would be includible in your gross income were it not part of a qualified rollover contribution or a nontaxable transfer will be includible in your gross income. However, Code Section 72(t) (relating to the 10 percent penalty tax on premature distributions) will not apply.

3. Transfers of Excess IRA Contributions to Roth IRAs—If, before the due date of your federal income tax return for any taxable year (not including extensions), you transfer, from an IRA, contributions for such taxable year (and earnings thereon) to a Roth IRA, such amounts will not be includible in gross income to the extent that no deduction was allowed with respect to such amount.

4. Taxation of Conversions of IRAs to Roth IRAs—All or part of amounts in an IRA maintained for your benefit may be converted into a Roth IRA maintained for your benefit. The conversion of an IRA to a Roth IRA is treated as special type of qualified rollover contribution. Hence, you must be eligible to make a qualified rollover contribution in order to convert an IRA to a Roth IRA. A conversion typically will result in the inclusion of some or all of your IRA’s value in gross income, as described above.

A conversion of an IRA to a Roth IRA can be made without taking an actual distribution from your IRA. For example, an individual may make a conversion by notifying the IRA issuer or trustee, whichever is applicable.

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UNDER SOME CIRCUMSTANCES, IT MIGHT NOT BE ADVISABLE TO ROLLOVER, TRANSFER, OR CONVERT ALL OR PART OF AN IRA TO A ROTH IRA. WHETHER YOU SHOULD DO SO WILL DEPEND ON YOUR PARTICULAR FACTS AND CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, SUCH FACTORS AS WHETHER YOU QUALIFY TO MAKE SUCH A ROLLOVER, TRANSFER, OR CONVERSION, YOUR FINANCIAL SITUATION, AGE, CURRENT AND FUTURE INCOME NEEDS, YEARS TO RETIREMENT, CURRENT AND FUTURE TAX RATES, YOUR ABILITY AND DESIRE TO PAY CURRENT INCOME TAXES WITH RESPECT TO AMOUNTS ROLLED OVER, TRANSFERRED, OR CONVERTED, AND WHETHER SUCH TAXES MIGHT NEED TO BE PAID WITH WITHDRAWALS FROM YOUR ROTH IRA (SEE DISCUSSION BELOW OF “NONQUALIFIED DISTRIBUTIONS”). YOU SHOULD CONSULT A QUALIFIED TAX ADVISER BEFORE ROLLING OVER, TRANSFERRING, OR CONVERTING ALL OR PART OF AN IRA TO A ROTH IRA.

5. Separate Roth IRAs—Due to the complexity of, and proposed changes to, the tax law, it may be advantageous to maintain amounts rolled over, transferred, or converted from an IRA in separate Roth IRAs from those containing regular Roth IRA contributions. For the same reason, you should consider maintaining a separate Roth IRA for each amount rolled over, transferred, or converted from an IRA. These considerations should be balanced against the additional costs you may incur from maintaining multiple Roth IRAs. You should consult your tax adviser if you intend to contribute rollover, transfer, or conversion amounts to your Contract, or if you intend to roll over or transfer amounts from your Contract to another Roth IRA maintained for your benefit.

L. INCOME TAX CONSEQUENCES OF ROTH IRAs

1. Qualified Distributions—Any “qualified distribution” from a Roth IRA is excludible from gross income. A “qualified distribution” is a payment or distribution which satisfies two requirements. First, the payment or distribution must be (a) made after you attain 59¹⁄₂, (b) made after your death, (c) attributable to your being disabled, or (d) a “qualified special purpose distribution” (i.e., a qualified first-time homebuyer distribution under the Code). Second, the payment or distribution must be made in a taxable year that is at least five years after (1) the first taxable year for which a contribution was made to any Roth IRA established for you, or (2) in the case of a rollover from, or a conversion of, an IRA to a Roth IRA, the taxable year in which the rollover or conversion was made if the payment or distribution is allocable (as determined in the manner set forth in guidance issued by the IRS) to the rollover contribution or conversion (or to income allocable thereto).

2. Nonqualified Distributions—A distribution from a Roth IRA which is not a qualified distribution is taxed under Code Section 72 (relating to annuities), except that such distribution is treated as made first from contributions to the Roth IRA to the extent that such distribution, when added to all previous distributions from the Roth IRA, does not exceed the aggregate amount of contributions to the Roth IRA. For purposes of determining the amount taxed, (a) all Roth IRAs established for you will be treated as one contract, (b) all distributions during any taxable year from Roth IRAs established for you will be treated as one distribution, and (c) the value of the contract, income on the contract, and investment in the contract, if applicable, will be computed as of the close of the calendar year in which the taxable year begins.

An additional tax of 10% is imposed on nonqualified distributions (including amounts deemed distributed as the result of a prohibited loan or use of your Roth IRA as security for a loan) made before the benefited individual has attained age 59¹⁄₂, unless one of the exceptions discussed in Section N applies.

M. TAX ON EXCESS CONTRIBUTIONS

1. You must pay a 6% excise tax each year on excess contributions that remain in your Contract. Generally, an excess contribution is the amount contributed to your Contract that is more than you can contribute. The excess is taxed for the year of the excess contribution and for each year after that until you correct it. If contributions to your IRA for a year are more than the contribution limit, you can apply the excess contribution in one year to a later year if the contributions for that later year are less than the maximum allowed for that year.

2. You will not have to pay the 6% excise tax if you withdraw the excess amount by the date your tax return is due including extensions for the year of the contribution. You do not have to include in your gross income an excess contribution that you withdraw from your Contract before your tax return is due if the

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income earned on the excess was also withdrawn and no deduction was allowed for the excess contribution. You must include in your gross income the income earned on the excess contribution.

N. TAX ON PREMATURE DISTRIBUTIONS

There is an additional tax on premature distributions from your IRA, Roth IRA, or SIMPLE IRA, equal to 10% of the taxable amount. For premature distributions from a SIMPLE IRA made within the first 2 years you participate in a SIMPLE plan, the additional tax is equal to 25% of the amount of the premature distribution that must be included in gross income. Premature distributions are generally amounts you withdraw before you are age 59¹⁄₂. However, the tax on premature distributions does not apply generally:

1. To amounts that are rolled over or transferred tax free;

2. To a distribution which is made on or after your death, or on account of you being disabled within the meaning of Code Section 72(m)(7);

3. To a distribution which is part of a series of substantially equal periodic payments (made at least annually) over your life or your life expectancy or the joint life or joint life expectancy of you and your beneficiary; or

4. To a distribution which is used for qualified first-time homebuyer expenses, qualified higher education expenses, certain medical expenses, or by an unemployed individual to pay health insurance premiums.

O. EXCISE TAX REPORTING

Use Form 5329, Additional Taxes Attributable to Qualified Retirement Plans (Including IRAs), Annuities, and Modified Endowment Contracts, to report the excise taxes on excess contributions, premature distributions, and excess accumulations. If you do not owe any IRA, SIMPLE IRA or Roth IRA excise taxes, you do not need Form 5329. Further information can be obtained from any district office of the Internal Revenue Service.

P. BORROWING

If you borrow money against your Contract or use it as security for a loan, the Contract will lose its classification as an IRA, Roth IRA, or SIMPLE IRA, whichever is applicable, and you must include in gross income the fair market value of the Contract as of the first day of your tax year. In addition, you may be subject to the tax on premature distributions described above. (Note: This Contract does not allow borrowings against it, nor may it be assigned or pledged as collateral for a loan.)

Q. REPORTING

We will provide you with any reports required by the Internal Revenue Service.

R. ESTATE TAX

Generally, the value of your IRA, including your Roth IRA, is included in your gross estate for federal estate tax purposes.

S. FINANCIAL DISCLOSURE

1. If contributions to the Contract are made by other than rollover contributions and direct transfers, the following information based on the charts shown on the next pages, which assumes you were to make a level

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contribution to the fixed account at the beginning of each year of $1,000 must be completed prior to your signing the enrollment application.

End of Year	Lump Sum Termination Value of Contract*	At Age		Lump Sum Termination Value of Contract*
1			60
2			65
3			70
4
5

* Includes applicable withdrawal charges as described in Item T below.

2. If contributions to the Contract are made by rollover contributions and/or direct transfers, the following information, based on the charts shown on the next page, and all of which assumes you make one contribution to the fixed account of $1,000 at the beginning of this year, must be completed prior to your signing the enrollment application.

End of Year	Lump Sum Termination Value of Contract*	At Age		Lump Sum Termination Value of Contract*
1			60
2			65
3			70
4
5

* Includes applicable withdrawal charges as described in Item T below.

T. FINANCIAL DISCLOSURE FOR THE SEPARATE ACCOUNT (VARIABLE ACCOUNT)

1. We deduct a daily charge from your Separate Account Contract Value equal to 1.50%, on an annual basis, of Separate Account Contract Value. May vary if optional riders are elected.

2. A maximum annual records maintenance charge of $30.00 will be assessed ratably each quarter against the Separate Account value, if you have participated in a Subaccount during the year. If insufficient values are in the Subaccounts when the charge is assessed, the charge will be assessed against General Account value.

3. Withdrawal (early annuitization) charges will be assessed based on the years elapsed since the purchase payments (in a given contract year) were received by ZALICO; under one year, 6%; over one to two years, 5%; over two to three years, 4%; over three to four years, 3%; over four to five years, 2%; over five to six years, 1%; sixth year and thereafter, 0%.

4. The method used to compute and allocate the annual earnings is contained in the Prospectus under the heading “Accumulation Unit Value.”

5. The growth in value of your Contract is neither guaranteed nor projected but is based on the investment experience of the Separate Account.

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GUARANTEED LUMP SUM TERMINATION OF DEFERRED FIXED AND VARIABLE ANNUITY COMPLETELY ALLOCATED TO THE GENERAL ACCOUNT WITH 3% GUARANTEED EACH YEAR. (TERMINATION VALUES ARE BASED ON $1,000 ANNUAL CONTRIBUTIONS AT THE BEGINNING OF EACH YEAR.)

End of Year	Termination Values*		End of Year		Termination Values*		End of Year		Termination Values*		End of Year		Termination Values*
1	$	1,000		14	$	17,371		27	$	41,703		40	$	77,436
2		2,000		15		18,929		28		43,991		41		80,796
3		3,038		16		20,534		29		46,348		42		84,256
4		4,130		17		22,187		30		48,775		43		87,821
5		5,264		18		23,889		31		51,275		44		91,492
6		6,442		19		25,643		32		53,850		45		95,274
7		7,665		20		27,449		33		56,503		46		99,169
8		8,932		21		29,309		34		59,235		47		103,181
9		10,236		22		31,225		35		62,048		48		107,313
10		11,580		23		33,199		36		64,947		49		111,569
11		12,965		24		35,232		37		67,932		50		115,953
12		14,390		25		37,326		38		71,007
13		15,859		26		39,482		39		74,174

* Includes applicable withdrawal charges.

GUARANTEED LUMP SUM TERMINATION OF DEFERRED FIXED AND VARIABLE ANNUITY COMPLETELY ALLOCATED TO THE GENERAL ACCOUNT WITH 3% GUARANTEED EACH YEAR. (TERMINATION VALUES ARE BASED ON $1,000 SINGLE PREMIUM.)

End of Year	Termination Values*		End of Year		Termination Values*		End of Year		Termination Values*		End of Year		Termination Values*
1	$	1,000		14	$	1,513		27	$	2,221		40	$	3,262
2		1,013		15		1,558		28		2,288		41		3,360
3		1,053		16		1,605		29		2,357		42		3,461
4		1,095		17		1,653		30		2,427		43		3,565
5		1,138		18		1,702		31		2,500		44		3,671
6		1,183		19		1,754		32		2,575		45		3,782
7		1,230		20		1,806		33		2,652		46		3,895
8		1,267		21		1,860		34		2,732		47		4,012
9		1,305		22		1,916		35		2,814		48		4,132
10		1,344		23		1,974		36		2,898		49		4,256
11		1,384		24		2,033		37		2,985		50		4,384
12		1,426		25		2,094		38		3,075
13		1,469		26		2,157		39		3,167

* Includes applicable withdrawal charges.

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STATEMENT OF ADDITIONAL INFORMATION

May 1, 2019

PERIODIC PAYMENT

VARIABLE ANNUITY CONTRACTS

ZURICH ADVANTAGE III

Issued By

ZURICH AMERICAN LIFE INSURANCE COMPANY

in Connection With

ZALICO VARIABLE ANNUITY SEPARATE ACCOUNT

(formerly KILICO Variable Annuity Separate Account)

HOME OFFICE: 1299 Zurich Way, Schaumburg, Illinois 60196

(847) 605-6120

This Statement of Additional Information is not a prospectus. This Statement of Additional Information should be read in conjunction with the Prospectus of the Separate Account dated May 1, 2019. The Prospectus may be obtained from Zurich American Life Insurance Company by writing to us c/o Protective Life Insurance Company at 1707 North Randall Road, Suite 310, Elgin, Illinois 60123-9409, or calling 1-888-477-9700.

TABLE OF CONTENTS

	Page
SERVICES TO THE SEPARATE ACCOUNT		2
STATE REGULATION		2
CONDENSED FINANCIAL INFORMATION		3
EXPERTS		3
FINANCIAL STATEMENTS		3
APPENDIX A STATE PREMIUM TAX CHART		A-1
APPENDIX B CONDENSED FINANCIAL INFORMATION		B-1

SERVICES TO THE SEPARATE ACCOUNT

Recordkeeper and Independent Registered Public Accounting Firm for the ZALICO Variable Annuity Separate Account

Zurich American Life Insurance Company (“ZALICO”) maintains the books and records of the ZALICO Variable Annuity Separate Account (the “Separate Account”). ZALICO holds the assets of the Separate Account. The assets are kept segregated and held separate and apart from the general funds of ZALICO. ZALICO maintains records of all purchases and redemptions of shares of each Fund by each of the Subaccounts. All expenses incurred in the operations of the Separate Account, except the charge for mortality and expense risk and administrative expenses, and records maintenance charge (as described in the Prospectus) are borne by ZALICO.

Effective September 3, 2003, ZALICO transferred certain of its business, as well as the capital stock of its wholly-owned subsidiaries, to its former affiliate, Chase Insurance Life and Annuity Company (“CILAAC”) (formerly Federal Kemper Life Assurance Company). In a contemporaneous transaction, CILAAC and ZALICO entered into a coinsurance agreement under which CILAAC administers and 100% reinsures certain lines of business currently underwritten by ZALICO, including the Contracts. The coinsurance agreement does not change ZALICO’s obligations to Contractholders under the Contracts and does not create any obligations for CILAAC to Contractholders under the Contracts.

On July 3, 2006, Protective Life Insurance Company (“Protective Life”) of Birmingham, Alabama, acquired CILAAC. Protective Life reinsured 100% of the variable annuity business of CILAAC, including the Contract and certain other registered variable annuity contracts that are funded through the Separate Account, to Commonwealth Annuity and Life Insurance Company, a subsidiary of Global Atlantic Financial Group Limited. On April 1, 2007, CILAAC merged into and with Protective Life. On the date of the merger, Protective Life acquired from CILAAC all of CILAAC’s assets and became directly liable for CILAAC’s liabilities and obligations including the Contracts (underwritten by ZALICO) then outstanding. Protective Life is responsible for administration of the Contracts.

The issuer, benefits and provisions of the Contract were not changed by any of the transactions described above.

The independent registered public accounting firm for the Separate Account and ZALICO is PricewaterhouseCoopers LLP, One North Wacker, Chicago, IL 60606 for the years ended December 31, 2018, 2017, and 2016. The firm has performed the annual audit of the financial statements of the Separate Account and ZALICO for the years ended December 31, 2018, 2017 and 2016.

The Contracts are no longer available for sale. The Contracts were sold by licensed insurance agents, where the Contracts could be lawfully sold, who are registered representatives of broker-dealers which are registered under the Securities Exchange Act of 1934 and are members of the Financial Industry Regulatory Authority (“FINRA”). The Contracts are distributed through the principal underwriter for the Separate Account, Investment Distributors, Inc (“IDI”) and formerly by Investors Brokerage Services, Inc. (“IBS”), which entered into selling group agreements with affiliated and unaffiliated broker-dealers. Subject to the provisions of the Contracts, units of the Subaccounts under the Contract are offered on a continuous basis.

ZALICO pays commissions to the selling broker-dealers, respectively, which may vary but are not anticipated to exceed in the aggregate an amount equal to (6.25%) of Purchase Payments. During 2018, 2017 and 2016, ZALICO incurred gross commissions payable of approximately $4.0, $4.2, and $4.6 million, respectively, to licensed insurance agents.

STATE REGULATION

ZALICO is subject to the laws of Illinois governing insurance companies and to regulation by the Illinois Department of Insurance. An annual statement in a prescribed form is filed with the Illinois Department of Insurance each year. ZALICO’s books and accounts are subject to review by the Department of Insurance at all times, and a full examination of its operations is conducted periodically. Such regulation does not, however, involve any supervision of management or investment practices or policies. In addition, ZALICO is subject to regulation under the insurance laws of other jurisdictions in which it may operate.

2

CONDENSED FINANCIAL INFORMATION

The tables in Appendix B list the Condensed Financial Information (the accumulation unit values for accumulation unit outstanding) for Contracts with optional benefits yielding variable account charges that fall between the highest and lowest variable account charges possible under the Contract as of December 31, 2018. Tables that represent the maximum and minimum variable account charges possible under the Contract appear in the Prospectus.

EXPERTS

The statutory financial statements and schedules of Zurich American Life Insurance Company as of December 31, 2018 and 2017 and for each of the three years in the period ended December 31, 2018 (prepared in conformity with accounting practices prescribed or permitted by the Illinois Department of Financial and Professional Regulations—Division of Insurance) and the U.S. GAAP statement of assets, liabilities, and contract owners’ equity of ZALICO Variable Annuity Separate Account as of December 31, 2018 and the related statement of operations and statements of changes in contract owners’ equity for each of the periods presented included in the Statement of Additional Information, have been so included in reliance on the reports of PricewaterhouseCoopers LLP, an independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting.

The principal business address of PricewaterhouseCoopers LLP is One North Wacker, Chicago, IL 60606.

FINANCIAL STATEMENTS

This Statement of Additional Information contains financial statements for ZALICO and the Separate Account. The financial statements of ZALICO should be considered primarily as bearing on our ability to meet our obligations under the Contract. The Contracts are not entitled to participate in our earnings, dividends, or surplus. The financial statements for the Separate Account reflect assets attributable to the Contracts and also reflect assets attributable to other variable annuity contracts offered by ZALICO through the Separate Account.

3

Zurich American Life Insurance Company

Statutory Financial Statements

December 31, 2018 and 2017 and

For the Years Ended December 31, 2018, 2017

and 2016

And Supplemental Schedules

As of and for the Year Ended December 31, 2018

Zurich American Life Insurance Company

Index

December 31, 2018, 2017 and 2016

	Page(s)
Independent Auditor’s Report		1-2
Statutory Financial Statements
Statutory Statements of Admitted Assets, Liabilities and Capital and Surplus		3
Statutory Statements of Operations		4
Statutory Statements of Changes in Capital and Surplus		5
Statutory Statements of Cash Flows		6
Notes to Statutory Financial Statements		7-45
Supplemental Schedules
Supplemental Schedule of Assets and Liabilities		47-48
Supplemental Summary Investment Schedule		49
Supplemental Investment Risks Interrogatories		50-53

Report of Independent Auditors

To the Board of Directors of Zurich American Life Insurance Company

We have audited the accompanying statutory financial statements of Zurich American Life Insurance Company (“the Company”), which comprise the statutory statements of admitted assets, liabilities and capital and surplus as of December 31, 2018 and December 31, 2017 and the related statutory statements of operations and changes in capital and surplus, and of cash flows for each of the three years in the period ended December 31, 2018.

Management’s Responsibility for the Financial Statements

Management is responsible for the preparation and fair presentation of the financial statements in accordance with the accounting practices prescribed or permitted by the Illinois Department of Insurance (“IDOI”). Management is also responsible for the design, implementation, and maintenance of internal control relevant to the preparation and fair presentation of financial statements that are free from material misstatement, whether due to fraud or error.

Auditors’ Responsibility

Our responsibility is to express an opinion on the financial statements based on our audits. We conducted our audits in accordance with auditing standards generally accepted in the United States of America. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free from material misstatement.

An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depend on our judgment, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, we consider internal control relevant to the Company’s preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the Company’s internal control. Accordingly, we express no such opinion. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of significant accounting estimates made by management, as well as evaluating the overall presentation of the financial statements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion.

Basis for Adverse Opinion on U.S. Generally Accepted Accounting Principles

As described in Note 2 to the financial statements, the financial statements are prepared by the Company on the basis of the accounting practices prescribed or permitted by the IDOI, which is a basis of accounting other than accounting principles generally accepted in the United States of America.

The effects on the financial statements of the variances between the statutory basis of accounting described in Note 2 and accounting principles generally accepted in the United States of America, although not reasonably determinable, are presumed to be material.

Adverse Opinion on U.S. Generally Accepted Accounting Principles

In our opinion, because of the significance of the matter discussed in the “Basis for Adverse Opinion on U.S. Generally Accepted Accounting Principles” paragraph, the financial statements referred to above do not present fairly, in accordance with accounting principles generally accepted in the United States of America, the financial position of the Company as of December 31, 2018 and December 31, 2017, or the results of its operations or its cash flows for each of the three years in the period ended December 31, 2018.

Opinion on Statutory Basis of Accounting

In our opinion, the financial statements referred to above present fairly, in all material respects, the admitted assets, liabilities and surplus of the Company as December 31, 2018 and December 31, 2017, and the results of its operations and its cash flows for each of the three years in the period ended December 31, 2018, in accordance with the accounting practices prescribed or permitted by the IDOI described in Note 2.

Emphasis of Matters

As discussed in Note 7 to the financial statements, the Company has entered into significant transactions with its parent company Zurich Insurance Group Ltd and its affiliates, which are related parties. Our opinion is not modified with respect to this matter.

As discussed in Note 3 to the financial statements, the financial statements give retroactive effect to the merger of Universal Underwriters Life Insurance Company into the Company on September 30, 2016 in a transaction accounted for as a statutory merger. Our opinion is not modified with respect to this matter.

Other Matter

Our audit was conducted for the purpose of forming an opinion on the statutory-basis financial statements taken as a whole. The supplemental schedule of assets and liabilities, summary investment schedule and investment risk interrogatories (collectively, the “supplemental schedules”) of the Company as of December 31, 2018 and for the year then ended are presented to comply with the National Association of Insurance Commissioners’ Annual Statement Instructions and Accounting Practices and Procedures Manual and for purposes of additional analysis and are not a required part of the statutory-basis financial statements. The supplemental schedules are the responsibility of management and were derived from and relate directly to the underlying accounting and other records used to prepare the statutory-basis financial statements. The supplemental schedules have been subjected to the auditing procedures applied in the audit of the statutory-basis financial statements and certain additional procedures, including comparing and reconciling such information directly to the underlying accounting and other records used to prepare the statutory-basis financial statements or to the statutory-basis financial statements themselves and other additional procedures, in accordance with auditing standards generally accepted in the United States of America. In our opinion, the supplemental schedules are fairly stated, in all material respects, in relation to the statutory-basis financial statements taken as a whole.

/s/ PricewaterhouseCoopers LLP

Chicago, Illinois

April 30, 2019

2

Zurich American Life Insurance Company

Statutory Statements of Admitted Assets, Liabilities and Capital and Surplus

December 31, 2018 and 2017

(in thousands of dollars)	2018			2017
Admitted assets
Cash and invested assets
Fixed maturities, at amortized cost (fair value of $471,166 and $585,992, respectively)	$	466,016		$	563,027
Investment in subsidiary		20,848			21,820
Contract loans		66,094			64,751
Cash, cash equivalents and short-term investments		75,097			59,189
Total cash and invested assets		628,055			708,787
Federal Income tax receivable		13,238			—
Other amounts receivable under reinsurance contracts		31,509			36,905
Deferred and uncollected premiums		10,982			8,383
Investment income due and accrued		10,473			9,437
Guaranty funds receivable or on deposit		104			104
Receivable from separate accounts		29,607			27,592
Receivables from parent, subsidiaries and affiliates		2,302			1,176
Other assets		3,650			506
Separate account assets		13,318,654			13,432,426
Total admitted assets	$	14,048,574		$	14,225,316
Liabilities and Capital and Surplus
Liabilities
Life and annuity reserves	$	464,349		$	468,014
Accident and health reserves		3,829			1,616
Deposit-type funds
Supplemental contracts without life contingencies		17,947			16,814
Claims and benefits payable to policyholders		4,017			2,295
Total policy liabilities		490,142			488,739
Other amounts payable on reinsurance		63,404			64,324
Interest maintenance reserve		3,583			4,393
General expenses due or accrued		7,338			9,868
Transfers to Separate Accounts due or accrued		3,139			(1,576	)
Taxes, licenses and fees due or accrued		6,938			37,236
Federal Income tax payable		—			50,411
Asset valuation reserve		1,950			2,328
Payable to affiliates		11,963			2,408
Funds held under coinsurance		2,337			5,052
Commission to agents due or accrued		1,318			1,561
Payable for securities		1,483			—
Other liabilities		9,757			8,738
Separate account liabilities		13,318,654			13,432,426
Total liabilities		13,922,006			14,105,908
Capital and surplus
Capital stock ($10 par value – 300,000 authorized shares; 250,000 shares issued and outstanding at 2018 and 2017)		2,500			2,500
Paid-in and contributed surplus		789,970			733,969
Unassigned deficit		(665,902	)		(617,061	)
Total capital and surplus		126,568			119,408
Total liabilities and capital and surplus	$	14,048,574		$	14,225,316

The accompanying notes are an integral part of these statutory financial statements.

3

Zurich American Life Insurance Company

Statutory Statements of Operations

Years Ended December 31, 2018, 2017 and 2016

(in thousands of dollars)	2018			2017			2016
Income
Premium and annuity considerations	$	(88,411	)	$	1,579,396		$	(31,034	)
Considerations for supplemental contracts with life contingencies		7,472			12,154			15,554
Net investment income		20,940			19,858			20,042
Amortization of interest maintenance reserve		557			717			819
Separate accounts fees		359,787			348,882			327,748
Separate accounts-related income (expenses), net		(329	)		88			352
Commissions and expense allowances on reinsurance ceded		43,251			63,071			68,336
Fee income from non-variable separate account funds		3,369			1,704			1,824
Other (expense) income		(44	)		171			(55	)
Total income		346,592			2,026,041			403,586
Benefits and Expenses
Death benefits		66,679			38,739			45,333
Annuity benefits		48,512			345,141			216,820
Disability benefits		1,568			1,648			(49	)
Surrender benefits		11,419			45,261			47,072
Interest and adjustments on policy or deposit-type contracts		4,946			1,153			4,621
Payments on supplementary contracts with life contingencies		19,802			24,907			22,314
(Decrease) Increase in aggregate reserves for life policies and contracts		(1,452	)		(20,309	)		(9,200	)
Commissions		66,955			55,518			57,488
Commissions and expense allowances on reinsurance assumed		4			—			—
General expenses		52,408			70,906			73,336
Insurance taxes, licenses and fees		8,138			41,984			6,744
Increase (Decrease) in loading on deferred and uncollected premiums		117			(59	)		6
Net transfers from separate accounts		11,814			1,271,935			(139,809	)
Reinsured fees associated with separate accounts		31,702			33,818			34,019
Net change in termination value of separate accounts		—			2			—
Ceded fixed/variable expense		91,858			100,165			90,570
Total benefits and expenses		414,470			2,010,809			449,265
Net (loss) gain from operations before federal income tax benefit and realized capital gains (losses)		(67,878	)		15,232			(45,679	)
Federal income tax expense/(benefit)		(13,271	)		49,057			(23,580	)
Net (loss) gain from operations before realized capital gains (losses)		(54,607	)		(33,825	)		(22,099	)
Net realized capital gains (losses)		(399	)		309			984
Related federal income tax expense (benefits)		(56	)		125			(467	)
Realized gains (losses) transferred to the interest maintenance reserve		(252	)		205			640
Total realized capital gains (losses)		(91	)		(21	)		811
Net (loss) income	$	(54,698	)	$	(33,846	)	$	(21,288	)

The accompanying notes are an integral part of these statutory financial statements.

4

Zurich American Life Insurance Company

Statutory Statements of Changes in Capital and Surplus

Years Ended December 31, 2018, 2017 and 2016

			Gross
	Common		Paid-in and					Total
	Capital		Contributed		Unassigned			Capital and
(in thousands of dollars)	Stock		Surplus		Deficit			Surplus
Balances at December 31, 2015		2,500		705,970		(557,439	)		151,031
Net loss		—		—		(21,288	)		(21,288	)
Change in net unrealized capital losses, net of tax		—		—		184			184
Change in nonadmitted assets		—		—		(2,503	)		(2,503	)
Change in net deferred tax asset		—		—		(2,083	)		(2,083	)
Change in liability for reinsurance in unathorized and certified companies						(529	)		(529	)
Change in asset valuation reserve		—		—		65			65
Change in surplus as a result of 2015 Audit Adjustment		—		—		(131	)		(131	)
Change in surplus as a result of reinsurance		—		—		(173	)		(173	)
Interest maintenance reserve generated by transferred coinsurance assets		—		—		(222	)		(222	)
Balances at December 31, 2016		2,500		705,970		(584,119	)		124,351
Net loss		—		—		(33,390	)		(33,390	)
Change in net unrealized capital losses, net of tax		—		—		605			605
Change in nonadmitted assets		—		—		(9,187	)		(9,187	)
Change in net deferred tax asset		—		—		9,157			9,157
Change in liability for reinsurance in unathorized						529			529
Change in asset valuation reserve		—		—		(120	)		(120	)
Change in surplus as a result of paid in capital		—		28,000		—			28,000
Change in surplus as a result of reinsurance		—		—		(161	)		(161	)
Interest maintenance reserve generated by transferred coinsurance assets		—		—		(208	)		(208	)
Balances at December 31, 2017	$	2,500	$	733,970	$	(616,894	)	$	119,576
Net loss		—		—		(54,698	)		(54,698	)
Change in net unrealized capital losses, net of tax		—		—		(972	)		(972	)
Change in nonadmitted assets		—		—		5,413			5,413
Change in net deferred tax asset		—		—		1,379			1,379
Change in liability for reinsurance in unathorized						—			—
Change in asset valuation reserve		—		—		378			378
Change in surplus as a result of paid in capital		—		56,000		—			56,000
Change in surplus as a result of reinsurance		—		—		(149	)		(149	)
Miscellaneous surplus adjustment		—		—		(167	)		(167	)
Interest maintenance reserve generated by transferred coinsurance assets		—		—		(192	)		(192	)
Balances at December 31, 2018	$	2,500	$	789,970	$	(665,902	)	$	126,568

The accompanying notes are an integral part of these statutory financial statements.

5

Zurich American Life Insurance Company

Statutory Statements of Cash Flows

Years Ended December 31, 2018, 2017 and 2016

(in thousands of dollars)	2018			2017			2016
Cash from operations
Premiums collected, net of reinsurance	$	(83,398	)	$	1,589,495		$	(16,758	)
Net investment income		20,265			19,384			19,019
Miscellaneous income		406,033			413,916			398,338
Benefits and loss related payments		(151,015	)		(425,005	)		(332,298	)
Net transfers from separate accounts		(7,099	)		(1,269,961	)		141,381
Commissions, expenses paid and aggregate write-ins for deductions		(279,635	)		(284,309	)		(257,223	)
Dividends paid to policyholders		—			(1	)		(54	)
Federal and foreign income taxes recovered (paid)		(50,322	)		17,814			12,172
Net cash (used in) provided by operations		(145,171	)		61,333			(35,423	)
Cash from investments
Proceeds from investments sold, matured or repaid
Fixed Maturities		198,789			120,319			123,551
Net gains or (losses) on cash, cash equivalents and short-term investments		—			(6	)		3
Miscellaneous proceeds		1,482			72			110
Total investment proceeds		200,271			120,385			123,664
Cost of investments acquired
Fixed Maturities		102,655			175,553			103,799
Miscellaneous applications		—			—			72
Total investments acquired		102,655			175,553			103,871
Net increase (decrease) in contract loans		1,343			2,600			3,599
Net cash provided by (used in) investments		96,273			(57,768	)		16,194
Cash from financing and miscellaneous sources
Capital contribution		56,000			28,000			—
Net deposits on deposit-type funds and other liabilities		1,133			652			4,073
Other cash (applied) provided		7,673			(6,604	)		(5,364	)
Net cash (used in) provided by financing and miscellaneous sources		64,806			22,048			(1,291	)
Net change in cash, cash equivalents and short-term investments		15,908			25,613			(20,520	)
Cash, cash equivalents and short-term investments
Beginning of year		59,189			33,576			54,096
End of year	$	75,097		$	59,189		$	33,576

The accompanying notes are an integral part of these statutory financial statements.

6

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

1. The Company and Nature of Operations

Organization and Description of Business

Zurich American Life Insurance Company (“ZALICO” or the “Company”) is a stock life insurance company founded in 1947. The Company is incorporated under the insurance laws of the State of Illinois and is licensed in the District of Columbia and all states, with the exception of New York.

The Company is a wholly owned subsidiary of Zurich American Corporation (“ZAC”), a non-operating holding company incorporated under the laws of the State of Delaware. ZAC is a wholly-owned subsidiary of Zurich Holding Company of America, Inc., (ZHCA) a Delaware Corporation, which in turn is a wholly-owned subsidiary of Zurich Insurance Group Ltd (the “Parent”), a financial services company domiciled in Switzerland.

Effective September 30, 2016, Universal Underwriters Life Insurance Company (“UULIC”) merged with and into ZALICO resulting from a series of transactions between ZAC and ZHCA, the ultimate parent of the Company, with ZALICO being the surviving legal entity (the “Merger”). Prior to the Merger, UULIC and ZALICO were members of the same holding company system, each being under the common control of ZHCA. After completion of the Merger of UULIC into ZALICO, ZALICO remains under the control of ZHCA.

The Company markets a variety of life insurance products including Fixed UL, Index UL, Level Term, Guaranteed Death Benefit, Life Portability, Conversion, Private Placement Variable Annuity, Private Placement Individual Variable Universal Life, Private Placement Variable Life, Private Placement Variable Universal Life, Group Term Life/ Accidental Death & Dismemberment, Group Long Term Disability and Short Term Disability Insurance, Group Term Life Insurance, and DESTINATIONS Products (registered individual and group variable, fixed and market value adjusted deferred annuity products).

Business Owned Life Insurance

From 1997 to the effective date of the Purchase Agreement (see detail for the Purchase Agreement in footnote 9), the Company marketed business-owned life insurance (“BOLI”) contracts. BOLI is a form of group life insurance which enables clients to buy variable life insurance on key employees. The policies remain in force until the last insured dies or the policy is surrendered or exchanged. The policyholder has flexibility regarding premiums and the right to allocate premiums to various divisions with differing investment objectives. The policyholders may also borrow from the investment value of the policies, surrender the policies for their cash surrender values or in some cases, make partial withdrawals from the cash surrender values. Death benefits on the life of any insured are at least equal to the face amount on the individual insured provided the cash value relating to the insured is greater than zero.

The Company records as fees cost of insurance charges taken from the separate accounts. Costs of insurance amounts ceded to reinsurers are recorded as a reduction of premiums.

An affiliate, Zurich Insurance Company’s Bermuda Branch (“ZIBB”), reinsures 98% of the mortality risk and 98% of the net amount at risk of the BOLI policies. ZIBB offered a stable value protection (“SVP”) option in conjunction with the BOLI policies. The SVP option allows purchasers of the option to make investments into SVP divisions of the Company’s separate accounts. These SVP divisions purchase value protection from a stable value provider which offers smooth or stabilized investment returns over a specified period of time.

7

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

Separate Accounts

The Company maintains separate account assets and liabilities, which are reported at fair value. Separate accounts reflect two categories of risk assumption: non-guaranteed separate accounts, wherein the contract holder assumes the investment risk, and guaranteed separate accounts, wherein the Company contractually guarantees either a minimum return or account value to the contract holder. Non-guaranteed separate account assets are segregated from other investments, and investment income and gains and losses accrue directly to the contract holder. Mortality, policy administration, and surrender charges to all accounts are included in the revenues of the Company. Changes in liabilities for minimum guarantees are included in the increase in aggregate reserves for life policies and contracts line item in the financial statements.

BFP Securities LLC

BFP Securities LLC (“BFPS”) and Investment Distributors, Inc. (“IDI”), an affiliate of Protective Life Insurance Company (“PLICO”), are the principal underwriters for ZALICO’s variable separate accounts. BFPS is also the primary wholesaling distributor of ZALICO’s BOLI and mortality-based funding products. BFPS is a wholly owned subsidiary of Benefit Finance Partners, LLC (“BFP”). BFP is 50% owned by Bancorp Services, L.L.C., an unaffiliated party, and 50% owned by Zurich Benefit Finance LLC, an affiliate of ZALICO.

2. Summary of Significant Accounting Policies

Basis of Presentation

The financial statements have been prepared in conformity with accounting practices prescribed or permitted by the Illinois Department of Insurance (“IDOI”).

The IDOI recognizes only Statements of Statutory Accounting Principles (“SSAP” or “NAIC SAP”) prescribed or permitted by the State of Illinois for determining and reporting the financial condition and results of operations of an insurance company, for determining its solvency under the Illinois Insurance Law. The National Association of Insurance Commissioners’ (“NAIC”) Accounting Practices and Procedures Manual version effective January 1, 2001 (“NAIC AP&P”) has been adopted as a component of prescribed or permitted practices by the State of Illinois.

NAIC SAP and IDOI SAP differ from GAAP in certain respects, which in some cases may be material. The primary differences between SAP and GAAP are noted below:

Cash and Cash Equivalents

Cash and cash equivalents consists of cash on hand, deposits in banks and other investments, with an original maturity of 90 days or less. Cash and cash equivalents are carried at cost, which approximates fair value as required by the NAIC. Investments in money market mutual funds are carried at fair value or net asset value (NAV) as a practical expedient as required by the NAIC. Under US GAAP, cash and cash equivalents are carried at fair value.

Investments

Investments are valued as prescribed by the NAIC and as required by the IDOI. All security transactions are recorded on a trade date basis. Investments are recorded on the following bases:

• Fixed maturities – At cost, adjusted for amortization of premium or discount. Fixed maturities with NAIC designations of 6 are reported at the lower of amortized cost or fair value. Discount or premium on fixed maturities is amortized using the interest method on a prospective basis. A yield to worst amortization method is used to take into consideration any fixed maturity call or sinking fund feature. Under US GAAP, fixed maturities are reported at fair value or amortized cost based upon management’s intent as to whether fixed maturities are available for sale or will be held until maturity.

8

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

• Loan-backed securities – Included within the fixed maturities, loan-backed securities are amortized using the interest method including anticipated prepayments at the date of purchase. Prepayment assumptions for single class and multi-class mortgage-backed/asset-backed securities were obtained from the respective asset managers and the prepayment windows and/or cash flows were obtained from Bloomberg. The Company has elected to use the book value as of January 1, 1994 as the cost for applying the prospective adjustment method to securities purchased prior to that date. Loan-backed securities with evidence of deterioration of credit quality for which it is probable that the Company will be unable to collect all contractually required payments receivable are written down to the present value of expected cash flows to be received. Under US GAAP, fixed maturities are reported at fair value or amortized cost based upon management’s intent as to whether fixed maturities are available for sale or will be held until maturity.

• Investment in subsidiary – The Company’s investment in the common stock of its wholly owned insurance subsidiary is accounted and reported under the equity method as described in SSAP No. 97, “Investments in Subsidiary, Controlled and Affiliated Entities”, and valued in accordance with section 3(ii) (D) of the NAIC Valuations Securities manual. Changes in the carrying value of such investments are reflected as unrealized gains or losses in capital and surplus.

• Short-term investments – The Company records short term investments at cost or amortized cost.

• Contract loans are carried at the aggregate of the unpaid balance provided the unpaid balance does not exceed either cash surrender value of the policy or the policy reserves. The excess of the unpaid loan balance over the cash surrender value is nonadmitted and reflected as an unrealized capital loss.

• Upon default or indication of potential default by an issuer of fixed maturity securities, other than mortgage-backed securities, the issue(s) of such issuer would be analyzed for possible write-down. Any such issue would be written down to its net realizable value (or fair value) during the fiscal year in which the impairment was determined to have become other than temporary. Thereafter, each issue is regularly reviewed and additional write-downs may be taken in light of later developments. Write-downs are included as part of net realized capital gains (losses). The Company recognized $36,651, $0, and $0 capital losses on bonds due to the other-than-temporary declines in fair value for the years ended December 31, 2018, 2017 and 2016. All loan-backed and structured securities were reviewed to determine if there were any indications of potential for other than temporary impairment classification (“OTTI”). Where such an indication existed, cash flow and credit support analyses were performed. If it was determined that the Company was to receive less than 100% of contractual cash flows, the OTTI impact was measured and recorded in accordance with SSAP 43R Loan-Backed and Structured Securities. There were no fixed maturity write-downs on loan-backed and structured securities for the periods ended December 31, 2018, 2017 and 2016.

In determining fair market value, for the majority of securities, quotes were obtained from third party sources. If quotes from these sources were not available, a broker estimate was used. Differences between cost and admitted asset investment carrying amounts are credited and charged directly to unassigned surplus rather than to a separate component of stockholder’s equity and other comprehensive income.

9

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

Investment Income and Realized Gains and Losses

Investment income is recorded when earned. All investment income due and accrued amounts that are over 90 days past due, are excluded from surplus. The Company had $111, $0, $0 investment income due and accrued that was over 90 days past due at December 31, 2018, 2017 and 2016.

Realized gains or losses on sales of investments, determined on the basis of identifiable cost on the disposition of the respective investment, which are not transferred to the IMR and write-downs are credited or charged to income, net of applicable federal income tax. Unrealized gains and losses are credited or charged to surplus, net of deferred tax.

Reserves

Asset Valuation Reserve

The asset valuation reserve (“AVR”) is determined by NAIC prescribed formulas, which establish a provision for the risk of asset defaults, and is reported as a liability with changes recorded directly to unassigned surplus. Under US GAAP, no such liability is established.

Interest Maintenance Reserve

An interest maintenance reserve (“IMR”) is provided as required by the IDOI in order to defer certain realized investment gains and losses, net of tax, related to interest rate fluctuations, and to amortize such gains and losses through operating income over the remaining life of the securities sold. Any net unamortized deferred losses are nonadmitted and charged directly to unassigned surplus. No such reserve is required by US GAAP.

Life Policy and Contract Reserves

Life policy and contract reserves under statutory accounting practices are based on statutory mortality, morbidity, and interest requirements without consideration of withdrawals and Company experience. Under SAP, the NAIC Reserve Valuation Method is used for the majority of individual insurance reserves; under GAAP, individual insurance policyholder liabilities for traditional forms for insurance are generally established using the net premium method. For interest-sensitive policies, a liability for policyholder account balances is established under GAAP based on the contract value that has accrued to the benefit of the policyholder. Policy valuation assumptions used in the estimation of policyholder liabilities are generally prescribed under SAP; under GAAP, policy valuation assumptions are based upon best estimates as the date of the policy is issues, with provisions for the risk of adverse deviation.

Certain contracts, in particular deferred annuities with mortality risk, are considered “Life contracts” under SAP and, accordingly, premiums associated with these contracts are reported as revenues. Under US GAAP, the Company’s deferred annuities are classified as either “insurance contracts” of “investment contracts” and accordingly, for those annuities classified as investment contracts premiums are not reported as revenues under GAAP. Amounts received for investments contracts are not reported as policy liabilities and insurance reserves.

Under SAP, the NAIC Annuity Reserve Valuation Method is used for the majority of individual deferred annuity reserves; under GAAP, individual deferred annuity policyholder liabilities are generally equal to the contract value that has accrued to the benefit of the policyholder, in addition to liabilities for certain guarantees under variable annuity contracts.    

10

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

Policy Liabilities and Other Policyholders’ Funds

Liabilities for policy reserves on annuity contracts are calculated based on the Commissioner’s Annuity Reserve Valuation Method (“CARVM”). Interest crediting rates under the contracts’ accumulation periods range from 2.15% to 7.00%. Guarantee periods range from one to ten years with minimum interest rate guarantees ranging from 2.0% to 4.5%.

Liabilities for life policy reserves and interest-sensitive life insurance contracts are based on statutory mortality and interest requirements without consideration of withdrawals. Liabilities for the majority of these contracts are calculated based on the 1980 Commissioner’s Standard Ordinary (“CSO”) table assuming interest rates ranging from 3.5% to 6.0%.

The Company waives deduction of deferred fractional premiums upon death of the insured and returns the portion of the final premium paid beyond the policy month of death. Surrender values promised in excess of the legally computed reserves, if any, would be included as a component of reserves.

Extra premiums are charged for policies issued on substandard lives according to underwriting classifications. Final reserves are determined by computing the mid-terminal reserve for the plan and holding an additional one half of the net valuation premium for the modal period.

Principles-based Reserving

In June 2016, the NAIC adopted a recommendation that will activate a principles-based reserving approach for life insurance products. Principles-based reserving replaces the reserving methods for life insurance products for which the current formulaic basis for reserves may not accurately reflect the risks or costs of the liability or obligations of the insurer. The principles-based reserving approach has a three-year phase-in period. At the Company’s discretion, it may be applied to new individual life business beginning as early as January 1, 2017, and must be applied for all new individual life business issued January 1, 2020 and later. The Company may select different implementation dates for different products. As of December 31, 2018, the Company has not adopted Principles Based Reserving. Due to reinsurance, the Company expects there will be no impact from its adoption.

Acquisition Costs

Under statutory accounting practices, costs of acquiring new business are charged to operations in the year such costs are incurred. Under US GAAP, such costs are deferred and amortized over the premium-paying period of the policies for traditional products, or as a level percentage of gross profits for interest sensitive products.

Recognition of Revenue and Related Expenses

Under statutory accounting practices, premiums are recognized as revenues when due. For US GAAP purposes, premiums for traditional life insurance products, which include those products with fixed and guaranteed premiums and benefits and consist principally of whole and term life insurance policies, are recognized as revenues when due. Revenues for universal life insurance policies and for investment products consist of policy charges for the cost of insurance, interest earned, policy administration charges, and surrender charges assessed against policyholder account balances during the year. Expenses related to these products include interest credited to policy account balances, benefit claims incurred in excess of policy account balances and commissions and expense allowances on reinsurance assumed. Revenues also include commissions and expense allowances on reinsurance ceded and reserve adjustments on reinsurance ceded. Under statutory accounting practices, deferred premiums, representing gross premiums less loading, are reported as an admitted asset. Under US GAAP, uncollected

11

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

premiums are stated at gross amounts and deferred premiums are reflected as a reduction of the related aggregate reserve. Contracts that contain an embedded derivative are not bifurcated between components and are accounted for as part of the host contract, whereas under GAAP, the embedded derivative would be bifurcated from the host contract and accounted for separately.

Reinsurance

Assets and liabilities are reported gross of reinsurance under GAAP and net of reinsurance under NAIC SAP. Certain reinsurance transactions are accounted for as financing transactions under GAAP and as reinsurance under NAIC SAP purposes. Transactions recorded as financing have no impact on premiums or losses incurred, while under NAIC SAP, premiums paid to the reinsurer are recorded as ceded premiums (a reduction in revenue) and expected reimbursement for losses from the reinsurer are recorded as a reduction in losses. Reserves and reinsurance recoverable on unpaid claims on reinsured business are netted with aggregate reserves and the liability for life policy claims, respectively. Under US GAAP, these reinsured amounts are reflected as an asset.

Federal Income Taxes

Deferred income taxes are provided for temporary differences between the financial statement and tax bases of assets and liabilities at the end of each year based on enacted tax rates. Deferred income tax assets are reduced by a valuation allowance if it is more likely than not that some portion or all of the deferred tax assets will not be realized. Net deferred tax assets are limited to their admissible amount according to a prescribed formula. Changes in deferred income tax assets and liabilities are reported as adjustments to surplus. Under US GAAP, changes in deferred income taxes are included in income tax expense or benefit and are allocated to continuing operations, discontinued operations, extraordinary items and items charged directly to shareholders’ equity.

Nonadmitted Assets

Certain assets are considered nonadmitted assets for statutory purposes and any changes in such assets are credited or charged directly to unassigned surplus. There are no nonadmitted assets for US GAAP purposes.

Statement of Cash Flows

The statutory basis statement of cash flows is presented as required and differs from the US GAAP presentation.

Use of Estimates

The preparation of financial statements in conformity with accounting practices prescribed or permitted by the IDOI requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.

The Company is liable for guaranty fund assessments related to certain unaffiliated life insurance companies that have become insolvent during the years 2018 and prior. The Company’s financial statements include provisions for all known assessments that are expected to be levied against the Company as well as an estimate of amounts (net of expected future premium tax recoveries) that the Company believes will be assessed in the future. According to SSAP No. 35R, “Guaranty Fund and Other Assessments”, guaranty fund assessment (“GFA”) liabilities and estimated premium tax credits as well as the estimated GFA recoverable for the ceded portion of the future liabilities, are to be presented separately in the balance sheet. The majority of the GFA liability is ceded as a result of the Purchase Agreement to Protective Life Insurance Company.

12

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

The Company’s guaranty fund liability is $10,263,000 and $10,298,000 at December 31, 2018 and 2017, respectively. Amounts recoverable from reinsurers related to GFA liabilities are $9,799,000 at December 31, 2018 and $10,276,000 at December 31, 2017. The amount and period over which the GFA liabilities are expected to be paid varies by insolvency. Future premium tax recoveries total $104,000 at December 31, 2018 and 2017. Premium tax recoveries vary by state and generally range between five to twenty years.

Separate Accounts

The assets of the separate accounts represent segregated funds administered and invested by the Company for purposes of funding variable annuity and variable life insurance contracts for the exclusive benefit of variable annuity and variable life insurance contract holders. The Company receives administrative fees from the separate accounts and retains varying amounts of withdrawal charges to cover expenses in the event of early withdrawals by contract holders.

The assets and liabilities of the separate accounts are carried at the fair value of the underlying contracts. The difference between the fair values of the contracts, and their termination value, is recorded as a negative liability for transfers to separate accounts due or accrued. Changes in termination value of the contracts are recognized through the Company’s net loss from operations as a component of net transfers to (from) the separate accounts rather than directly to surplus. The assets are invested primarily in a series of mutual funds managed by DWS Investment Management Americas, Inc., and other unaffiliated mutual fund managers.

Reinsurance

In the ordinary course of business, the Company enters into reinsurance agreements to diversify risk and limit its overall financial exposure to certain blocks of annuities and to individual death claims and other claims. Although these reinsurance agreements contractually obligate the reinsurers to reimburse the Company, they do not discharge the Company from its primary liabilities and obligations to policyholders. An additional protection is the existence of a security trust. Several of the Company’s reinsurance contracts require that the reinsurer fund a trust, with the fair value of the assets at least equal to the book value of the statutory liabilities reinsured.

Federal Income Taxes

The Company has applied the NAIC Statement of Statutory Accounting Principles No. 101, “Income Taxes”. Income tax incurred is recognized by applying the enacted income tax law. Deferred income taxes are provided for temporary differences between the financial statement and tax bases of assets and liabilities at the end of each year based on enacted tax rates. Changes in admitted deferred tax assets (DTA) and liabilities (DTL) are recognized as adjustments to surplus. DTAs are first subjected to a valuation allowance assessment. Net DTAs remaining after the valuation allowance assessment are considered admitted assets based upon specific criteria, which consider the reversal pattern of DTAs and surplus. The reversal pattern and surplus limitation parameters in the admission tests are determined based on the risk-based capital levels.

The Company records interest and penalties related to income tax contingencies as a component of income tax expense.

Nonadmitted Assets

Certain assets, designated as “nonadmitted assets”, such as investment income due and accrued exceeding 90 days, deferred income tax in excess of permitted amounts, EDP, equipment, etc., have been excluded from the statutory statements of admitted assets, liabilities and capital and surplus through a direct charge against unassigned surplus.

13

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

Statement of Cash Flows

The Company defines cash as cash in banks and money market accounts and considers all highly liquid investments, with maturity of one year or less when purchased, to be short-term investments.

Reclassification

Certain prior year amounts have been reclassified to conform to the current year’s presentation. These reclassifications have no effect on net income or capital and surplus as previously reported.

3. Business Combinations and Goodwill

On September 30, 2016, ZALICO received from its parent, Zurich American Corporation (“ZAC”), a capital contribution of $25,680,521 comprised of UULIC common stock and additional paid in capital. The Company then merged with UULIC on the same date with the Company as the surviving entity. The transaction was treated as a non-economic transaction, recorded at the lower of existing book value or fair value at September 30, 2016. ZALICO eliminated the capital common stock of UULIC upon merging of the balance sheets.

Pre-merger separate company revenue, net income, and other surplus adjustments for the nine months ended September 30, 2016 were $298,200,623, $(15,693,887), $110,249,705, respectively for the Company and $8,766,010, $2,305,498, $25,680,521, respectively for UULIC.

4. Investments

The components of investment income by type of investment for the Years Ended December 31, 2018, 2017 and 2016 are as follows:

(in thousands of dollars)	2018			2017			2016
Fixed maturities	$	18,427		$	18,434		$	19,177
Contract loans		3,086			2,886			2,858
Cash, cash equivalents and short-term investments		910			601			188
Other		87			6			9
Gross investment income		22,510			21,927			22,232
Less: Investment expenses		(1,570	)		(2,069	)		(2,190	)
Net investment income	$	20,940		$	19,858		$	20,042

Investment expenses included the following fees paid to the Company’s various affiliated and non-affiliated investment managers:

	2018		2017		2016
Fees paid to Investment Managers:
Affiliated Investment Managers:
Zurich Investment Services Limited	$	228,000	$	287,000	$	442,000
Zurich Global Investment Management		780,000		791,000		650,000
Farmers Group Inc.		121,000		116,000		115,000
Non-Affiliated Investment Managers:
Prudential Private Placement Investors L.P.	$	206,000	$	188,000	$	129,000
DWS Investment Management Americas, Inc.		228,000		240,000		291,000

14

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

Realized Gains and Losses

Realized gains and losses on sales, redemptions and impairments of investments are determined based on the actual cost of the securities based on specific identification.

Realized investment gains and losses for the Years Ended December 31, 2018, 2017 and 2016 are as follows:

(in thousands of dollars)	2018			2017			2016
Fixed maturities	$	(402	)	$	315		$	981
Cash, cash equivalents, and short term		3			(6	)		3
		(399	)		309			984
Less: Capital gains tax		56			(125	)		467
		(343	)		184			1,451
Less: IMR transfers net of tax		252			(205	)		(640	)
	$	(91	)	$	(21	)	$	811

Unrealized Gains and Losses on Fixed Maturities

Amortized cost, gross unrealized gains, gross unrealized losses, and estimated fair value of fixed maturities, as of December 31, 2018 and 2017 are as follows:

	2018
			Gross		Gross			Estimated
	Amortized		Unrealized		Unrealized			Fair
(in thousands of dollars)	Cost		Gains		Losses			Value
Fixed maturities
U.S. government	$	46,485	$	361	$	(384	)	$	46,462
Other governments		261		4		—			265
Political subdivisions		3,716		787		(3	)		4,500
Special revenues		64,168		2,323		(960	)		65,531
Industrial and miscellaneous (unaffiliated)		351,386		9,655		(6,633	)		354,408
Total Fixed maturities	$	466,016	$	13,130	$	(7,980	)	$	471,166

	2017
			Gross		Gross			Estimated
	Amortized		Unrealized		Unrealized			Fair
(in thousands of dollars)	Cost		Gains		Losses			Value
Fixed maturities
U.S. government	$	67,297	$	567	$	(307	)	$	67,557
Political subdivisions		3,717		1,098		—			4,815
Special revenues		61,670		3,118		(537	)		64,251
Industrial and miscellaneous (unaffiliated)		430,343		20,868		(1,842	)		449,369
Total Fixed maturities	$	563,027	$	25,651	$	(2,686	)	$	585,992

15

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

Unrealized Losses on Fixed Maturities

Fair value and gross unrealized losses of fixed maturities as of December 31, 2018 and 2017 for securities that were in an unrealized loss position were as follows:

	2018
	Unrealized Losses					Unrealized Losses
	Less Than 12 Months					Greater Than 12 Months
			Gross			Gross		Estimated
	Estimated		Unrealized			Estimated		Unrealized
(in thousands of dollars)	Fair Value		Losses			Fair Value		Losses
Fixed maturities
U.S. government	$	12,296	$	(17	)	$	25,320	$	(338	)
U.S. Political Subdivision Bonds		—		—			134		(3	)
U.S. Special Revenue Bonds		453		(17	)		—		—
Industrial and miscellaneous (unaffiliated)		45,546		(1,023	)		100,646		(4,282	)
Loan-backed securities		39,972		(343	)		93,342		(1,956	)
Total Fixed maturities	$	98,267	$	(1,400	)	$	219,442	$	(6,579	)

	2017
	Unrealized Losses					Unrealized Losses
	Less Than 12 Months					Greater Than 12 Months
			Gross			Gross		Estimated
	Estimated		Unrealized			Estimated		Unrealized
(in thousands of dollars)	Fair Value		Losses			Fair Value		Losses
Fixed maturities
U.S. government	$	45,640	$	(219	)	$	9,996	$	(80	)
Industrial and miscellaneous (unaffiliated)		75,818		(705	)		20,438		(519	)
Loan-backed securities		96,270		(620	)		30,010		(543	)
Total Fixed maturities	$	217,728	$	(1,544	)	$	60,444	$	(1,142	)

As of December 31, 2018 and 2017, fixed maturities represented 100% of the Company’s total unrealized loss amount for both years, which was comprised of 322 and 225 securities, respectively.

As of December 31, 2018 and 2017, there were no securities with a fair value less than 80% of the securities’ amortized cost for greater than 12 continuous months.

As of December 31, 2018 and 2017, fixed maturities in an unrealized loss position for less than 12 months were comprised of 129 and 176 securities, of which 97% and 100%, of fair value of $95,170,260 and $217,727,000, respectively were comprised of securities with fair value to amortized cost ratios at or greater than 95%. The majority of these securities are investment grade fixed maturities depressed due to changes in interest rates from the date of purchase.

Fixed maturities in an unrealized loss position for greater than 12 months as of December 31, 2018 and 2017 were comprised of 193 and 49 securities with a total fair value of $219,441,483 and $60,444,000, respectively. The unrealized loss of $6,579,628 and $1,141,000 at December 31, 2018 and 2017, respectively relates to industrial and miscellaneous, U.S. Special Revenues, and U.S. Government securities.

16

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

Concentrations of Credit Risk

The Company is not exposed to any significant concentration of credit risk of a single or group non-governmental issuer. Concentration of credit risk could exist when changes in economic, industry or geographic factors similarly affect groups of counter-parties whose aggregate credit exposure is material in relation to the Company’s total exposure.

Loan-Backed Securities

There were no loan-backed securities impaired during 2018 or 2017 due to intent to sell or inability or lack of intent to retain the security for a period of time sufficient to recover the amortized cost basis. Loan-backed securities with evidence of deterioration of credit quality for which it is probable that the Company will be unable to collect all contractually required payments receivable, are written down to the present value of expected cash flows to be received. In determining the impairments for loan-backed securities, a review of default rate, credit support and other key assumptions is made on the security level.

During 2018, the Company recognized an other-than-temporary impairment of $36,651 for investments in fixed income securities in accordance with SSAP43R as the present value of cash flows expected was less than amortized cost of the securities.

Maturities of Fixed Maturities

The amortized cost and estimated fair value of fixed maturities, by contractual maturity, at December 31, 2018 and 2017 are shown below. Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties and because mortgage-backed securities provide for periodic payments throughout their life. As the stated maturities of such securities may not be indicative of actual maturities, the totals for mortgage-backed securities are shown separately.

	2018				2017
			Estimated				Estimated
	Amortized		Fair		Amortized		Fair
(in thousands of dollars)	Cost		Value		Cost		Value
Due in 1 year or less	$	31,002	$	30,939	$	48,066	$	48,324
Due after 1 year through 5 years		73,403		72,950		113,808		115,019
Due after 5 years through 10 years		92,970		91,305		99,735		101,188
Due after 10 years		115,087		124,051		113,439		133,245
		312,462		319,245		375,048		397,776
Mortgage-backed securities		153,554		151,921		187,979		188,216
	$	466,016	$	471,166	$	563,027	$	585,992

17

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

Proceeds from sales of fixed maturities and gross realized gains (losses) on such sales and impairments for the years ended December 31, 2018, 2017 and 2016 are as follows:

(in thousands of dollars)	Gross Gains		Gross Losses			Proceeds
2018
Long term fixed maturities	$	739	$	(1,141	)	$	100,404
Short term fixed maturities		10		(7	)		4,960
2017
Long term fixed maturities	$	617	$	(302	)	$	69,134
Short term fixed maturities		4		(10	)		—
2016
Long term fixed maturities	$	1,528	$	(545	)	$	62,932
Short term fixed maturities		8		(2	)		2,499

Fixed maturities with an amortized cost of approximately $4,253,000 and $4,506,000 were on deposit with regulatory authorities at December 31, 2018 and 2017, respectively, to satisfy regulatory requirements. The fair value of these securities was approximately $4,201,219 and $4,490,000 as of December 31, 2018 and 2017, respectively.

Structured Notes

The company held the following Structured Notes as of December 31, 2018 and 2017:

(in thousands of dollars)
2018
CUSIP Identification	Actual Cost		Fair Value		Book/Adjusted Carrying Value		Mortgage- Referenced Security (Y/N)
039483-BC-5	$	378	$	447	$	377		N
404280-BJ-75	$	1,029	$	978	$	1,021		N
40280-BM-07	$	361	$	349	$	361		N
38141G-WV-2	$	840	$	782	$	840		N
172967-LW-9	$	1,000	$	971	$	1,001		N
Total	$	3,608	$	3,527	$	3,600
(in thousands of dollars)
2017
CUSIP Identification	Actual Cost		Fair Value		Book/Adjusted Carrying Value		Mortgage- Referenced Security (Y/N)
039483-BC-5	$	378	$	487	$	377		N
404280-BJ-75	$	1,029	$	1,013	$	1,027		N
Total	$	1,407	$	1,500	$	1,404

18

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

Restricted Assets

As of December 31, 2018 and 2017, the Company has the following restricted assets:

2018
Gross Restricted																				Percentage
Current Year
	1		2		3		4		5		6		7			8		9		10			11
Restricted Asset Category	Total General Account (G/A)		G/A Supporting Protected Cell Account Activity		Total Separate Account (S/A) Restricted Assets		S/A Assets Supporting G/A Activity		Total		Total From Prior Year		Increase/ Decrease			Total NonAdmitted Restricted		Total Current Year Admitted Restricted		Gross Restricted to Total Asset			Admitted Restricted to Total Admitted Assets
On deposit with states regulatory bodies		4,253		—		—		—		4,253		4,506		(253	)		—		4,253		0.00	%		0.00	%
Total restricted assets		4,253		—		—		—		4,253		4,506		(253	)		—		4,253		0.00	%		0.00	%
2017
Gross Restricted																				Percentage
Current Year
	1		2		3		4		5		6		7			8		9		10			11
Restricted Asset Category	Total General Account (G/A)		G/A Supporting Protected Cell Account Activity		Total Separate Account (S/A) Restricted Assets		S/A Assets Supporting G/A Activity		Total		Total From Prior Year		Increase/ Decrease			Total NonAdmitted Restricted		Total Current Year Admitted Restricted		Gross Restricted to Total Asset			Admitted Restricted to Total Admitted Assets
On deposit with states regulatory bodies		4,506		—		—		—		4,506		6,091		(1,585	)		—		4,506		0.00	%		0.00	%
Total restricted assets		4,506		—		—		—		4,506		6,091		(1,585	)		—		4,506		0.00	%		0.00	%

5. Fair Value of Financial Instruments

The Company’s financial assets and liabilities carried at fair value have been classified, for disclosure purposes, based on a hierarchy defined by SSAP 100. The hierarchy gives the highest ranking to fair values determined using unadjusted quoted prices in active markets for identical assets and liabilities (Level 1) and the lowest ranking to fair values determined using methodologies and models with unobservable inputs (Level 3). An asset’s or liability’s classification is based on the lowest level input that is significant to its measurement. For example, a Level 3 fair value measurement may include inputs that are both observable (Levels 1 and 2) and unobservable (Level 3). The levels of the fair value hierarchy are as follows:

Level 1 Securities valued based on directly observable market prices and are traded in active markets; securities valued on unadjusted quoted prices, if not actively traded. Level 1 securities include money market funds and exchange traded equity and derivative securities.

19

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

Level 2 Quoted prices in markets that are not active or significant inputs that are observable either directly or indirectly. Level 2 inputs include the following:

a. Quoted prices for similar assets or liabilities in active markets

b. Quoted prices for identical or similar assets or liabilities in nonactive markets

c. Inputs other than quoted market prices that are observable

d. Inputs that are derived principally from or corroborated by observable market data through correlation or other means

Level 3 Prices or valuation techniques that require inputs that are both unobservable and significant to the overall fair value measurement. These measurements include circumstances in which there is little, if any, market activity for the asset or liability and reflect management’s own judgments about the assumptions a market participant would use in pricing the asset or liability.

At the end of each reporting period, the Company evaluates whether or not an event has occurred that would transfer any of these securities between Level 1 and Level 2. This policy also applies to transfers in and out of Level 3.

Changes in Level 3 Assets Measured at Fair Value

The following table summarizes the changes in Separate Account assets classified as Level 3 for the years ended December 31, 2018 and 2017. Gains and losses reported in this table may include changes in fair value that are attributable to both observable and unobservable inputs

	2018
(in thousands of dollars)	Beginning Fair Value		Total Gains/ (Losses) Included in Net Income			Total Gains/ (Losses) Included in Net Income		Purchases		Sales			Transfer in/(out) of Level 3		Ending Fair Value
Separate account assets	$	457,212		$ (766	)	$	6,406	$	157,076	$	(81,502	)	$	—	$	538,425
	2017
(in thousands of dollars)	Beginning Fair Value		Total Gains/ (Losses) Included in Net Income			Total Gains/ (Losses) Included in Net Income		Purchases		Sales			Transfer in/(out) of Level 3		Ending Fair Value
Separate account assets	$	386,063	$	35,482		$	—	$	89,425	$	(53,757	)	$	—	$	457,212

20

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

Fair Values of Financial Instruments and its Levels within Fair Value Hierarchy

The following table provides information as of December 31, 2018 and 2017 about the fair values and admitted values of the Company’s financial instruments and its levels within the fair value hierarchy:

	2018
(in thousands of dollars)
Type of Financial Instrument	Aggregate Fair Value		Admitted Assets		Level 1		Level 2		Level 3		Not Practicable (Carrying Value)
Assets
Fixed Maturities	$	471,166	$	466,016	$	—	$	460,802	$	10,364	$	—
Cash, Cash Equivalents and Short-Term Investments		75,097		75,097		73,615		1,482		—		—
Contract Loans		66,094		66,094		—		—		—		66,094
Accrued Investment Income		10,473		10,473		10,473		—		—		—
Separate Account Assets		13,318,654		13,318,654		1,850,048		10,930,181		538,425		—
Total Assets	$	13,941,484	$	13,936,334	$	1,934,136	$	11,392,465	$	548,789	$	66,094
Liabilities
Deposit Type Contracts		17,947		17,947		—		17,947		—		—
Separate Account Liabilities		13,318,654		13,318,654		—		13,318,654		—		—
Total Liabilities	$	13,336,601	$	13,336,601	$	—	$	13,336,601	$	—	$	—
	2017
(in thousands of dollars)
Type of Financial Instrument	Aggregate Fair Value		Admitted Assets		Level 1		Level 2		Level 3		Not Practicable (Carrying Value)
Assets
Fixed Maturities	$	585,992	$	563,027	$	—	$	580,230	$	5,762	$	—
Cash, Cash Equivalents and Short-Term Investments		59,189		59,189		59,189		—		—		—
Contract Loans		64,751		64,751		—		—		—		64,751
Accrued Investment Income		9,437		9,437		9,437		—		—		—
Separate Account Assets		13,432,426		13,432,426		1,901,515		11,073,699		457,212		—
Total Assets	$	14,151,795	$	14,128,830	$	1,970,141	$	11,653,929	$	462,974	$	64,751
Liabilities
Deposit Type Contracts		16,814		16,814				16,814		—		—
Separate Account Liabilities		13,432,426		13,432,426		—		13,432,426		—		—
Total Liabilities	$	13,449,240	$	13,449,240	$	—	$	13,449,240	$	—	$	—

Methods and Assumptions to Estimate Fair Value of Financial Instruments

The following methods and assumptions were used to estimate the fair value of financial instruments as of December 31, 2018 and 2017:

Fixed maturities

The estimated fair values of fixed maturities is valued in accordance with the NAIC’s Purposes and Procedures Manual of the Securities Valuation Office (“SVO”). In those instances where fair value is not available from the SVO, then fair value is based upon quoted market prices, dealer quotes, and prices obtained from independent pricing services, generally broker dealers. Unless representative trades of securities actually occurred at year end, these quotes are generally estimates of fair value based on an evaluation of appropriate factors such as trading in similar securities, yields, credit quality, coupon rate, maturity, type of issues and other market data.

Contract Loans

The carrying amounts of these items approximate fair market values because interest rates are generally variable and based on current market rates.

21

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

Cash, Cash Equivalents and Short-term Investments

The carrying amounts of these items approximate fair value.

Deposit Type Contracts

The estimated fair value is currently equal to book value and is based on the present value of the future payments.

Separate Accounts

The separate accounts assets are carried at fair value based on the reported net asset value (“NAV”) per share of the respective portfolios at December 31, 2018 and December 31, 2017. Accumulation values are computed daily based on the change in fair market value of the NAV of the subaccount less mortality and expense risk charges for the subaccount. The carrying amounts of the separate accounts liabilities are a reasonable estimate of their fair value.

6. Income Taxes

Components of Deferred Tax Assets (“DTAs”) and Deferred Tax Liabilities (“DTLs”) at December 31, 2018 and 2017, as well as changes herein, comprise the following components:

	2018
(in thousands of dollars)	Ordinary		Capital		Total
Gross deferred tax assets	$	60,925	$	2,400	$	63,325
Statutory valuation allowance adjustment		—		—		—
Adjusted gross deferred tax assets		60,925		2,400		63,325
Deferred tax assets nonadmitted		55,806		2,400		58,206
Subtotal net admitted deferred tax asset		5,119		—		5,119
Deferred tax liabilities		5,119		—		5,119
Net admitted deferred tax asset	$	—	$	—	$	—
	2017
(in thousands of dollars)	Ordinary		Capital		Total
Gross deferred tax assets	$	62,573	$	1,190	$	63,763
Statutory valuation allowance adjustment		—		—		—
Adjusted gross deferred tax assets		62,573		1,190		63,763
Deferred tax assets nonadmitted		56,155		1,190		57,345
Subtotal net admitted deferred tax asset		6,418		—		6,418
Deferred tax liabilities		6,418				6,418
Net admitted deferred tax asset	$	—	$	—	$	—

22

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

	Change
(in thousands of dollars)	Ordinary			Capital		Total
Gross deferred tax assets	$	(1,648	)	$	1,210	$	(438	)
Statutory valuation allowance adjustment		—			—		—
Adjusted gross deferred tax assets		(1,648	)		1,210		(438	)
Deferred tax assets nonadmitted		(349	)		1,210		861
Subtotal net admitted deferred tax asset		(1,299	)		—		(1,299	)
Deferred tax liabilities		(1,299	)		—		(1,299	)
Net admitted deferred tax asset	$	—		$	—	$	—

The SSAP No. 101 admission calculation components at December 31, 2018 and 2017 are as follows:

	2018
(in thousands of dollars)	Ordinary		Capital		Total
(a) Federal Income Taxes Paid In Prior Years Recoverable Through Loss Carrybacks.	$	—	$	—	$	—
(b) Adjusted Gross Deferred Tax Assets Expected To Be Realized After Application of the Threshold Limitation		—		—		—
(b.i) Adjusted Gross Deferred Tax Assets Expected to be Realized Following the Balance Sheet Date.		—		—		—
(b.ii) Adjusted Gross Deferred Tax Assets Allowed per Limitation Threshold.		—		—		19,200
(c) Adjusted Gross Deferred Tax Assets Offset by Gross Deferred Tax Liabilities.		5,119		—		5,119
(d) Deferred Tax Assets Admitted as the result of application of SSAP No. 101.	$	5,119	$	—	$	5,119
Ratio Percentage Used To Determine Recovery Period And Threshold Limitation Amount.						730	%
Amount Of Adjusted Capital And Surplus Used To Determine Recovery  Period And Threshold Limitation					$	127,999

23

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

Paragraph 11

	2017
(in thousands of dollars)	Ordinary		Capital		Total
(a) Federal Income Taxes Paid In Prior Years Recoverable Through Loss Carrybacks.	$	—	$	—	$	—
(b) Adjusted Gross Deferred Tax Assets Expected To Be Realized After Application of the Threshold Limitation		—		—		—
(b.i) Adjusted Gross Deferred Tax Assets Expected to be Realized Following the Balance Sheet Date.		—		—		—
(b.ii) Adjusted Gross Deferred Tax Assets Allowed per Limitation Threshold.		—		—		18,262
(c) Adjusted Gross Deferred Tax Assets Offset by Gross Deferred Tax Liabilities.		6,418		—		6,418
(d) Deferred Tax Assets Admitted as the result of application of SSAP No. 101.	$	6,418	$	—	$	6,418
Ratio Percentage Used To Determine Recovery Period And Threshold Limitation Amount.						764	%
Amount Of Adjusted Capital And Surplus Used To Determine Recovery Period And Threshold Limitation					$	121,904

Paragraph 11

	Change
(in thousands of dollars)	Ordinary			Capital		Total
(a) Federal Income Taxes Paid In Prior Years Recoverable Through Loss Carrybacks.	$	—		$	—	$	—
(b) Adjusted Gross Deferred Tax Assets Expected To Be Realized After Application of the Threshold Limitation		—			—		—
(b.i) Adjusted Gross Deferred Tax Assets Expected to be Realized Following the Balance Sheet Date.		—			—		—
(b.ii) Adjusted Gross Deferred Tax Assets Allowed per Limitation Threshold.		—			—		—
(c) Adjusted Gross Deferred Tax Assets Offset by Gross Deferred Tax Liabilities.		(1,299	)		—		(1,299	)
(d) Deferred Tax Assets Admitted as the result of application of SSAP No. 101.	$	(1,299	)	$	—	$	(1,299	)
Ratio Percentage Used To Determine Recovery Period And Threshold Limitation Amount.							-34	%
Amount Of Adjusted Capital And Surplus Used To Determine Recovery Period And Threshold Limitation						$	6,095

24

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

The impact of Tax Planning Strategies at December 31, 2018 and 2017 includes:

	2018						2017						Change
(in thousands of dollars)	Ordinary			Capital			Ordinary			Capital			Ordinary			Capital
Adjusted gross DTAs		60,925			2,400			62,573			1,190			(1,648	)		1,210
Percentage of adjusted gross DTAs by tax character admitted because of the impact of tax planning strategies attributable to that tax character		0.0	%		0.0	%		0.0	%		0.0	%		0.0	%		0.0	%
Net admitted adjusted gross DTAs		5,119			—			6,418			—			(1,299	)		—
Percentage of net admitted adjusted gross DTAs by tax character admitted because of the impact of tax planning strategies attributable to that tax character		0.0	%		0.0	%		0.0	%		0.0	%		0.0	%		0.0	%

The Company is currently recognizing all deferred tax liabilities.

Current income taxes incurred consist of the following major components for the years ended December 31, 2018 and 2017:

(in thousands of dollars)	2018			2017		Change
Federal	$	(13,271	)	$	49,057	$	(62,328	)
Foreign		—			—		—
Subtotal		(13,271	)		49,057		(62,328	)
Federal Income tax on net capital gains		(56	)		125		(181	)
Federal and foreign income taxes incurred	$	(13,327	)	$	49,182	$	(62,509	)

25

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

As of December 31, 2018 and 2017, the tax effects of temporary differences that give rise to significant portions of the deferred tax assets and liabilities are as follows:

(in thousands of dollars)	2018		2017		Change
Deferred tax assets
Ordinary
Unearned premium reserves	$	5	$	5	$	—
Policyholder reserves		6,302		7,455		(1,153	)
Investments		—		34		(34	)
Deferred acquisition costs		51,462		51,236		226
Nonadmitted assets		431		1,918		(1,487	)
Compensation and benefits accrual		1,251		1,460		(209	)
Tax credit carryforward		—		—		—
Other		508		409		99
Accruals not currently deductible		966		56		910
		60,925		62,573		(1,648	)
Statutory valuation allowance adjustment				—		—
Nonadmitted deferred tax assets		55,806		56,155		(349	)
Admitted ordinary deferred tax assets		5,119		6,418		(1,299	)
Capital
Investments		548		417		131
Other		1,852		773		1,079
		2,400		1,190		1,210
Nonadmitted deferred tax assets		2,400		1,190		1,210
Admitted capital deferred tax assets		—		—		—
Admitted deferred tax assets		5,119		6,418		(1,299	)
Deferred tax liabilities
Ordinary
Policyholder reserves		3,044		4,546		(1,502	)
Fixed assets		129		202		(73	)
Investments		480		390		90
Deferred and uncollected premium		1,466		1,270		196
Other		—		10		(10	)
Total deferred tax liabilities		5,119		6,418		(1,299	)
Net admitted deferred tax assets/liabilities	$	—	$	—	$	—

On December 22, 2017, Tax Cuts and Jobs Act (“TCJA”) was enacted. The Company recognized the significant impacts from the TCJA in its 2017 financial statements, the period of enactment. Using December 31, 2017 as the re-measurement date, the impact due to the change in tax rate to the three components of surplus are as follows: the change in net deferred income tax is $(38)M, the change in the non-admitted DTAs is $38M, and the change in new unrealized capital gains/losses is zero.

TCJA modified the provisions applicable to the determination of the tax basis of policy holder reserves. The TCJA required the re-measurement of the 2017 tax basis for policy holder reserves to implement a change in method of accounting to reflect, among other changes, new discount rates. The difference between the old basis 2017 policy holder reserves and the re-measured

26

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

policy holder reserves is treated as a transition adjustment, which is brought into taxable income over an 8 year period. A deferred tax liability (DTL) of $3.5 million was recognized for the portion of the transition adjustment to be brought into income after 2017.

The change in net deferred income taxes, net of any valuation allowance, is composed of the following:

(in thousands of dollars)	2018		2017		Change
Total deferred tax assets	$	63,325	$	63,764	$	(439	)
Total deferred tax liabilities		5,119		6,418		(1,299	)
Net deferred tax asset	$	58,206	$	57,346		860
Tax effect of unrealized (gains) losses						—
Change in net deferred income tax benefit (charge)					$	860

The provision for federal income taxes incurred is different from that which would be obtained by applying the statutory federal income tax rate at 21% for 2018 and 35% for 2017 and prior tax years to income before income taxes. The significant items causing this difference are as follows:

(in thousands of dollars)	2018			2017			2016
Provision computed at statutory rate	$	(14,285	)	$	5,368		$	(15,643	)
Amortization of interest maintenance reserve		(170	)		(180	)		(287	)
Separate accounts dividend received deduction		(867	)		(2,202	)		(1,867	)
Ceding commission included in surplus		(72	)		(129	)		(138	)
Nonadmitted assets		1,487			(10	)		(504	)
Provision to return		(19	)		(822	)		(4,183	)
Rate Adjustment - P&L		(118	)		37,032			—
Rate Adjustment - Equity		—			1,199			—
IRS Audit Adjustment		(70	)		(226	)		—
Other		(74	)		(4	)		857
	$	(14,188	)	$	40,025		$	(21,765	)
Federal income tax incurred	$	(13,271	)	$	49,057		$	(23,580	)
Tax on capital gains (losses)		(56	)		125			(467	)
Less: Change in net deferred income tax		(861	)		(9,157	)		2,282
Total statutory income taxes	$	(14,188	)	$	40,025		$	(21,765	)

As of December 31, 2018 the Company did not have any operating loss carryforwards.

The Tax Cuts and Jobs Act (“TCJA”) repealed carryback of life company ordinary losses. Consequently, carryback in the case of future losses is limited to future capital losses. Given these factors, the Company has no amounts available in the case of future capital losses.

The aggregate amount of deposits reported as admitted assets under Section 6603 of the Internal Revenue Service Code was $0 as of December 31, 2018.

27

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

The Company’s federal income tax return is consolidated with the following entities, with Zurich Holding Company of America, Inc. as the parent:

American Guarantee and Liability Insurance Company	Zurich Alternative Asset Management, LLC
American Zurich Insurance Company	Zurich American Insurance Company
Colonial American Casualty & Surety Company	Zurich American Insurance Company of Illinois
Empire Fire and Marine Insurance Company	Zurich American Corporation
Empire Indemnity Insurance Company	Zurich American Life Insurance Company
Fidelity & Deposit Company of Maryland	Zurich American Life Insurance Company of New York
Hoplite Reinsurance Company of Vermont, Inc.	Zurich CZI Management Holding, Ltd.
Rural Community Insurance Company	Zurich E & S Insurance Brokerage, Inc.
Steadfast Insurance Company	Zurich F & I Reinsurance T & C Limited
The Zurich Services Corporation	Zurich Global, Ltd.
Universal Underwriters Insurance Company	Zurich Global Investment Management Inc.
Universal Underwriters of Texas Insurance Company	Zurich Holding Company of America, Inc.
Universal Underwriters Service Corporation	Zurich Latin America Corporation
Vehicle Dealer Solutions, Inc.	Zurich Realty, Inc.
Zurich Agency Services, Inc.	Zurich Warranty Solutions, Inc.

A written agreement sets out the method of allocating tax between the companies. In general, the allocation is based upon a separate return calculation with an immediate benefit for a taxable loss. Intercompany tax balances are settled within thirty days after the filing of the consolidated federal income tax return, the payment of an estimated payment, an additional assessment of the consolidated tax liability, a refund of the consolidated tax liability or any other reduction to the member’s apportioned tax liability in accordance with the tax sharing agreement.

The Company’s significant tax jurisdiction is U.S. Federal tax. The Company joins with its U.S. parent, Zurich Holding Company of America (“ZHCA”) and other affiliates, in filing a consolidated U.S. federal income tax return. The statutes of limitations for all tax returns through the year ended December 31, 2014 are closed, and all IRS examinations are closed through tax year 2016. ZHCA was accepted into the IRS’ Compliance Assurance Process for tax years 2017 and 2018.

The Company did not accrue any interest and penalties related to income tax contingencies.

The Company does not have any tax loss contingencies for which it is reasonably possible that the total liability will significantly increase within twelve months of the reporting date.

No Repatriation Transition Tax reported as of December 31, 2018.

No Alternative Minimum Tax (AMT) Credit recognized as of December 31, 2018.

28

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

7. Information Concerning Parent, Subsidiaries and Affiliates

On September 2, 2010, the Company established a new subsidiary, Zurich American Life Insurance Company of New York (“ZALICONY”). The carrying value of ZALICONY as of December 31, 2018 and 2017 is $20,847,028 and $21,819,933, respectively. The Company has entered into a related party services agreement with ZALICONY.

On March 22, 2018, the Company received a capital contribution of $10,000,000 from its parent ZAC. There were additional capital contributions made during the remaining part of the year. Capital contributions of $10,000,000 were received on June 20, 2018, $4,000,000 was received on September 24, 2018 and another $32,000,000 was received on December 21, 2018.

On June 28, 2017, the Company received a capital contribution of $20,000,000 from its parent ZAC. There was an additional capital contribution of $8,000,000 on December 26, 2017.

At December 31, 2018 and 2017, the Company reported the following amounts due from or to related parties:

(in thousands of dollars)	2018			2017
Zurich American Life Insurance Company of New York	$	2,103		$	882
Zurich Global Employee		195			—
ZNA Services, LLC		4			—
Zurich International Group		—			294
Receivable from related party	$	2,302		$	1,176
Zurich American Insurance Company		(11,816	)		(2,176	)
ZNA Services, LLC		—			(98	)
Zurich Services US LLC		(52	)		(71	)
Zurich Insurance Company		(61	)		(61	)
Centre Group Holdings (U.S.) Limited		(34	)		(22	)
Other related parties		—			20
Payable to related party	$	(11,963	)	$	(2,408	)
Net payable to related party	$	(9,661	)	$	(1,232	)

For the years 2018, 2017 and 2016, the Company incurred the following amounts of expense in association with services provided by related parties:

(in thousands of dollars)	2018			2017			2016
Zurich American Insurance Company	$	10,672		$	8,557		$	7,078
ZFUS Services LLC		1,093			1,659			1,728
Zurich Life Insurance Company		—			(1,865	)		(2,126	)
Farmers New World Life Insurance Company		—			1,172			5,790
Centre Group Holdings (U.S.) Limited		8			268			205
Disability Management Services, Inc.		—			151			181
Zurich American Life Insurance Company of New York		(1,277	)		(847	)		(784	)
	$	10,496		$	9,095		$	12,072

29

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

Related party receivables and payables are settled as provided in its agreements, generally within 45 days from date of invoice.

The Company has a service agreement with Benefit Finance Partners, LLC (“BFP”; BFP is 50% owned by the Company’s affiliate Zurich Benefit Finance LLC (“ZBF”) and 50% owned by Bancorp Services, L.L.C. (“Bancorp”)) under which BFP is responsible for certain administrative functions on certain of the Company’s private placement variable life insurance policies. The Company also has a software development, support and licensing agreement with BFP under which BFP develops, the Company licenses, and BFP supports, certain variable life insurance policy illustration software.

The Company has a principal underwriter agreement and service agreements with BFP Securities, LLC (“BFPS”), a wholly-owned subsidiary of its affiliate, BFP. BFPS is the principal underwriter for a closed block of the Company’s variable, fixed and market value-adjusted annuities. BFPS provides certain services for the distribution of the Company’s private placement variable life insurance and variable annuity policies. BFPS also provides certain services relating to certain employees and independent contractors of the Company becoming and remaining registered representatives of BFPS.

The Company has a service agreement, technology support agreement, and license and service agreement with Bancorp and its affiliate ZBF. Bancorp is responsible for certain administrative functions on certain of the Company’s private placement variable life insurance policies. ZBF is appointed to be the product technology support provider in the administration of certain private placement variable life insurance policies issued by the Company. The Company’s license and service agreement with Bancorp and its affiliate ZBF governs the terms and conditions under which certain technology may be used in the administration of certain private placement variable life insurance policies issued by the Company.

The Company has a Stable Value Protection Option Master Agreement (whereby the Company is acting on behalf of the sub-divisions of the Stable-Value-Protected Divisions of the ZALICO Variable Series I Separate Account) with its affiliate Zurich Insurance Company (“ZIC”) acting through its Bermuda Branch Office (“ZIBB”).

The Company has a Real Estate Advisory Agreement with its affiliate Zurich Global Investment Management Inc. (“ZGIM”), under which ZGIM may provide certain services on real estate activities to the Company on an ongoing basis.

The Company service agreements with its affiliates ZIC, Farmers New World Life (“FNWL”), Zurich American Insurance Company (“ZAIC”), and Zurich American Life Insurance Company of New York (“ZALICONY”) for each to perform administrative services reasonably necessary in the ordinary course of business.

The Company has an investment advisory service agreement with its affiliate, Zurich Investment Services (“ZIS”) and ZGIM, to perform investment advisory services reasonably necessary in the ordinary course of business.

The Company has a customer service level overview agreement with its affiliate, ZFUS Services, LLC (“ZFUS”). The Company has a service agreement with its affiliate, ZFUS, for ZFUS to provide management, administrative, and general services.

30

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

The Company has a paymaster agreement with MI Administrators, LLC, wherein MI Administrators, LLC acts as an agent for the transfer of funds on behalf of the affiliated parties to the agreement for the costs and employees shared by the parties.

The Company has a service agreement with its affiliate Disability Management Services, Inc. (“DMS”), pursuant to which DMS may provide to the Company certain claim administration and related services.

The Company has a service agreement with its affiliate, Zurich Life Insurance Company Ltd (“ZLIC”) for the Company to provide referral, sales support, and other administrative services for ZLIC.

The Company has a service agreement with The Zurich Services Corporation (“ZSC”) pursuant to which ZALICO receives services from ZSC that may include claim services, risk engineering services, care center services and other services.

The Company has a service agreement with its affiliate, Zurich Services US LLC (“ZSUS”), for ZSUS to provide human resources services.

The Company has a Service Agreement between Zurich Investment Services Limited and ZALICO for enhanced services to ZALICO.

The Company has a Multilateral Data Protection Agreement (by Declaration) for Data Transfers in Business Systems between the Zurich Group and ZALICO.

Refer to Note 9 for the disclosure regarding the Company’s reinsurance activities with affiliates.

8. Life Reserves

Reserves for Life Contracts and Deposit-Type Contracts

Life reserves are based on mortality tables approved by the NAIC using statutory specified interest rates and valuation methods that provide, in aggregate, reserves that are greater than or equal to the minimum required by the IDOl. The aggregate reserves for life policies and contracts have been computed primarily utilizing the Commissioners Reserve Valuation Method based on the statutory maximum valuation interest rates and minimum statutory mortality rates which were allowed by state authorities at the time the policies were issued.

Tabular interest, tabular less actual reserve released and tabular cost have been determined by formulas in accordance with the NAIC Annual Statement Instructions.

For the determination of Tabular Interest on funds not involving life contingencies for each valuation rate of interest, the tabular interest is calculated as one hundredth of the product of such valuation rate of interest times the mean of the amount of funds subject to such valuation rate of interest held at the beginning and end of the year of valuation.

The Company’s universal life policies with secondary guarantees (“SGUL policies”) inforce at December 31, 2018, were calculated under Actuarial Guideline XXXVIII (“AG38”), paragraphs 8D and 8E., which take into account the shadow accounts used for the lapse protection. In addition, a single deterministic projection was run as required in AG38 paragraph 8D, which was required for policies issued through December 31, 2012. This is a gross premium valuation using best estimate assumptions plus conservative margins; the asset assumptions include limitations with respect to the particular assets and asset yields. The gross premium valuation was used for policies issued

31

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

prior to December 31, 2012, since it exceeded the formulaic reserve. The Company’s gross reserves for all SGUL policies were $73,423,000 and $64,018,000 as of December 31, 2018 and 2017, respectively. The Company cedes 100% of this business to ZIC.

Variable Annuities with Guaranteed Living Benefits

The Company’s variable annuities with guaranteed living benefits for DESTINATIONS products at December 31, 2018 and 2017 are as follows:

(in thousands of dollars)	Guaranteed Living Benefits
	Subjected		Amount of		Reinsurance
	Account		Reserve		Reserve
Benefit and Type of Risk	Value		Held – Net		Credit
December 31, 2018
Guaranteed retirement income benefit (“GRIB”) (Waiting period 7, 10 or 15 years)	$	542,246	$	4,354	$	346,153
December 31, 2017
Guaranteed retirement income benefit (“GRIB”) (Waiting period 7, 10 or 15 years)	$	631,689	$	3,252	$	302,535

Note: GRIB base is greatest of account value, greatest anniversary value or net deposits accumulated at 5%.

Effective December 31, 2009, the Company adopted the Actuarial Guideline XLIII (“AG43”) reserve basis for its DESTINATIONS product. This change in reserve methodology was included in the Company’s life and annuity reserves with no impact to the net retained reserve. The December 31, 2018 reserves for GMDB and GRIB meet the requirements of AG43.

32

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

Analysis of Annuity Actuarial Reserves and Deposit Liabilities by Withdrawal Characteristics

Annuity actuarial reserves and deposit-type contract funds and other liabilities without life or disability contingencies by withdrawal characteristics as of December 31, 2018 and 2017 were as follows:

(in thousands of dollars)				Separate		Separate
	General			Account With		Account
2018	Account			Guarantees		Nonguaranteed		Total			% of Total
A. Subject to discretionary withdrawal:
1. With market value adjustment	$	73,879		$	11,807	$	—	$	85,686			2.04	%
2. At book value less surrender charge of 5% or more		5,545			—		—		5,545			0.13	%
3. At fair value		—			—		1,649,181		1,649,181			39.35	%
4. Total with adjustment or at market value (total of 1 through 3)		79,424			11,807		1,649,181		1,740,412			41.52	%
5. At book value without adjustment (minimal or no charge or adjustment)		1,527,657			—		—		1,527,657			36.45	%
B. Not subject to discretionary withdrawal		920,753			—		2,552		923,305			22.03	%
C. Total (gross: direct + assumed)		2,527,834			11,807		1,651,733		4,191,374			100.00	%
D. Reinsurance Ceded		(2,212,139	)						(2,212,139	)
E.  Total (net) * (C)-(D)	$	315,695		$	11,807	$	1,651,733	$	1,979,235
(in thousands of dollars)				Separate		Separate
	General			Account With		Account
2017	Account			Guarantees		Nonguaranteed		Total			% of Total
A. Subject to discretionary withdrawal:
1. With market value adjustment	$	81,165		$	7,723	$	—	$	88,888			2.01	%
2. At book value less surrender charge of 5% or more		5,666			—		—		5,666			0.13	%
3. At fair value		—			—		1,860,643		1,860,643			42.13	%
4. Total with adjustment or at market value (total of 1 through 3)		86,831			7,723		1,860,643		1,955,197			44.27	%
5. At book value without adjustment (minimal or no charge or adjustment)		1,557,563			—		—		1,557,563			35.27	%
B. Not subject to discretionary withdrawal		900,595			—		3,077		903,672			20.46	%
C. Total (gross: direct + assumed)		2,544,989			7,723		1,863,720		4,416,432			100.00	%
D. Reinsurance Ceded		(2,222,237	)		—		—		(2,222,237	)
E.  Total (net) * (C)-(D)	$	322,752		$	7,723	$	1,863,720	$	2,194,195

33

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

Reconciliation of total annuity actuarial reserves and deposit fund liabilities as of December 31, 2018 and 2017 were as follows:

(in thousands of dollars)	2018		2017
Life and accident and health annual statement
Annuities (excluding supplementary contracts)	$	91,750	$	90,877
Supplementary contracts with life contingencies		205,998		212,768
Liability for deposit-type contracts		17,947		16,814
Total annuity and deposit-type contracts		315,695		320,459
Separate accounts annual statement
Annuities (excluding supplementary contracts)		1,660,988		1,861,123
Supplementary contracts including life contingencies		2,197		2,589
Liability for deposit-type contracts		355		487
Total separate accounts		1,663,540		1,864,199
Total annuity actuarial reserves and deposit-type contract liabilities	$	1,979,235	$	2,184,658

9. Reinsurance

The Company has assumed and ceded business using yearly renewable term contracts, accidental death and disability contracts and coinsurance contracts. The Company remains primarily responsible to its policyholders for all future claims and policyholder benefits related to the blocks of business ceded and is not relieved of its obligations to the extent any reinsurer does not meet its obligation to the Company.

Failure of the reinsurers to honor their obligations could result in losses to the Company; consequently, estimates are established for amounts deemed or estimated to be uncollectible. To minimize its exposure to significant losses from reinsurance insolvencies, the Company utilizes several reinsurers to minimize concentration of credit risk, and evaluates the financial condition of its reinsurers and concentration of credit risk of its reinsurers. Several reinsurance contracts require the reinsurer to maintain assets in a security trust whose market value matches or exceeds the book value of the reinsured liability.

Reinsurance in unauthorized and certified companies was $0 in 2018 and 2017 compared to $529,000 in 2016. The liability established at December 31, 2016 was due to a timing difference between placement of reinsurance and funding of the Letters of Credit (“LOC”). In the first quarter of 2017, the LOC was raised to a level that sufficiently covers the reserves, paid losses and other debits recorded as of year-end.

ZIC

On September 30, 2013, the Company and ZIC entered into a reinsurance treaty in which the Company ceded 100% of its Universal Life business issued after January 1, 2010. The Company paid to ZIC a reserve transfer of $105,064,000 and received consideration of $55,064,000. The treaty is retrospective, covering all IFA in-force policies from inception.

On November 17, 2006, the Company entered into a reinsurance agreement (the “ZIC Agreement”) with ZIC, an affiliate. The Company ceded 100% of the net amounts at risk for GMDB and GRIB related to the Company’s DESTINATIONS contracts issued from May 1, 2000 through February 28, 2003.

34

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

On November 17, 2006, the Company entered into a reinsurance agreement with ZIC (“ZIC Agreement”) to reinsure the net amounts at risk for GMDB and GRIB options on policies issued from May 1, 2000 through February 28, 2003. Subsequently, on December 22, 2008 the Company and ZIC entered into Amendment No.1 to the ZIC Agreement (“Amendment”). Under terms of the Amendment, the Company paid a premium to ZIC of $10,000,000 in consideration for changes in the operation of the ZIC Agreement, for the benefit of the Company, under forecast scenarios where a significant further decline in equity market levels was projected.

In September 2015, the Company announced a Buy Back Offer concerning the DESTINATIONS and Farmers VA I variable annuity contracts. When accepting the Buy Back Offer, contract holders could choose to surrender the contract for a Buy Back amount that consisted of a cash distribution of contract value plus an enhancement amount, or contract owners could choose to use the Buy Back amount to exchange their contracts for another company’s annuity product or for some other eligible investment. Acceptance of the Buy Back Offer was free of surrender charge. The Buy Back Offer was made in three offering periods: September 14, 2015 through December 11, 2015; and January 4, 2016 through January 31, 2016; and July 5, 2017 through December 31, 2017.

The net amount at risk for the GMDB is defined as the current guaranteed minimum death benefit in excess of the current account balance at the balance sheet date. For GRIB, the net amount at risk is defined as the current guaranteed annuitization benefit, in excess of the current account balance at the balance sheet date. As a result of the ZIC Agreement, the Company ceded $181,957,976 in GMDB net amount at risk and $159,417,934 in GRIB net amount at risk as of December 31, 2018 and $121,767,622 of GMDB net amount at risk and $101,547,027 of GRIB net amount at risk at December 31, 2017. The reduction correlates with the DESTINATIONS Buy Back.

Further, the Company and ZIC have entered into reinsurance agreements covering the Company’s individual life and group life, accidental death and disability businesses (“Additional ZIC Agreements”).

Pursuant to the ZIC Agreement and the Additional ZIC Agreements, ZIC established a security trust account for the exclusive benefit of the Company. The Bank of New York is the trustee. The trust account is funded with assets equal to at least 102% of the statutory reserve credit assumed by ZIC. At December 31, 2018 and December 31, 2017, 102% of the statutory reserve credit assumed by ZIC was $1,088,362,000 and $995,941,000, respectively. The associated letters of credit and trust asset balances at December 31, 2018 and December 31, 2017, were $1,148,310,000 and $1,119,047,000, respectively.

PLICO

The initial ceding commission on the coinsurance agreement with PLICO was $120,000,000. This initial ceding commission was not transferred to the Company from PLICO, but rather was withheld from the investment assets transferred from the Company to PLICO as part of the transferred coinsurance assets. This initial ceding commission, net of tax, and the IMR related to the transferred coinsurance assets reflected in surplus are being amortized into operations. Amortization of the initial ceding commission was approximately $341,000, $161,000 and $173,000 for the years ended December 31, 2018, 2017 and 2016, respectively. Amortization of the IMR related to the transferred coinsurance assets was approximately $192,000, $208,000 and $222,000 for the years ended December 31, 2018, 2017 and 2016, respectively.

35

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

On May 29, 2003, Kemper Corporation (now ZAC) entered into a stock and asset purchase agreement (the “Purchase Agreement”) with Bank One Insurance Holdings, Inc. (“BOIH” or “Bank One”). As part of the coinsurance agreement with PLICO, most reinsurance agreements with outside reinsurers were novated to PLICO as part of the Purchase Agreement. As of December 31, 2018 and 2017, the Company’s separate account assets subject to the coinsurance agreement with PLICO were approximately $864,933,000 and $1,021,665,000, respectively.

A trust account was established for the exclusive benefit of the Company (the “Security Trust Account”). The Security Trust Account is funded with assets equal to the general account statutory reserves adjusted for policy loans and interest maintenance reserves reinsured by PLICO, adjusted on a quarterly basis. PLICO is required to maintain the Security Trust Account until the Company’s general account statutory reserves of the Reinsured Policies are $400,000,000 or less. As of December 31, 2018 and 2017, the Company’s general account statutory reserves subject to the coinsurance agreement with PLICO were approximately $1,715,998,000 and $1,756,569,000 respectively. The balance in the Security Trust Account was approximately $1,720,492,000 and $1,819,759,000 as of December 31, 2018 and 2017, respectively.

Fidelity Life Association

As of December 31, 2018 and 2017, the reinsurance reserve credit from FLA related to fixed-rate annuity liabilities ceded to FLA amounted to approximately $83,410,000 and $88,867,000, respectively.

Transamerica Re

The net amount at risk of the GMDB and GRIB on certain variable annuity contracts issued between March 1, 1997 and April 30, 2000 was ceded to Transamerica Re. As of December 31, 2018 and 2017, the reinsurance reserve credit related to reinsuring the net amount at risk on these contracts amounted to approximately $64,072,000 and $63,615,000, respectively.

ZIBB

The Company entered into a reinsurance treaty with ZIBB, an affiliate, in June 2002. A trust account (the “ZIBB Reinsurance Trust” or the “Trust”) was established as security for three reinsurance agreements which include the Second Amended and Restated Group Variable Life Program Yearly Renewable Term Reinsurance Agreement, the Second Amended and Restated Individual Variable Life Program Yearly Renewable Term Reinsurance Agreement and the Amended and Restated Group Variable Life Program 2000 Yearly Renewable Term Reinsurance Agreement. State Street Bank is the “Trustee”, Fund Accountant and Custodian. At December 31, 2018 and December 31, 2017, reinsurance recoverables totaling $405,846,000 and $367,916,000, respectively, were secured by the Trust which includes cash, cash equivalents and invested assets with a fair value of $415,500,000 and $413,663,000, respectively.

Global Energy Resource

In February 2013, the Company entered into a reinsurance treaty with Global Energy Resource Insurance Corporation (“GERIC”) covering certain Group LTD and Group Life policies effective January 1, 2013. GERIC established a security trust account for the exclusive benefit of the Company. The Bank of Hawaii is the trustee. The trust account is funded with assets equal to at least 102% of the statutory reserve credit plus paid and unpaid losses recoverable assumed by GERIC. At December 31, 2018 and December 31, 2017, 102% of the statutory reserve credit and paid and unpaid losses recoverable assumed by GERIC was $1,375,000 and $3,356,000, respectively. The trust asset balance at December 31, 2018 and December 31, 2017 was $4,604,000 and $4,515,000, respectively.

36

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

Diversified Foods

Effective July 1, 2015, the Company entered into a reinsurance treaty with Diversified Foods Insurance Company (“DFIC”) covering certain Group LTD and Group Life policies. DFIC secured a letter of credit for the exclusive benefit of the Company. The letter of credit is funded to at least 102% of the statutory reserve credit plus paid and unpaid losses recoverable assumed by DFIC. At December 31, 2018 and December 31, 2017, 102% of the statutory reserve credit and paid and unpaid losses recoverable assumed by DFIC was $3,487,000 and $3,253,000, respectively. The letter of credit balance at December 31, 2018 and December 31, 2017 was $4,000,000.

Saddle Brook

Effective July 1, 2015, the Company entered into a reinsurance treaty with Saddle Brook Insurance Company (“SBIC”) covering certain Group Life and Accidental Death and Dismemberment policies. SBIC secured a letter of credit for the exclusive benefit of the Company. The letter of credit is funded to at least 102% of the statutory reserve credit plus paid and unpaid losses recoverable assumed by SBIC. At December 31, 2018 and December 31, 2017, 102% of the statutory reserve credit and paid and unpaid losses recoverable assumed by SBIC was $276,000 and $1,111,000 respectively. The letter of credit balance at December 31, 2018 and December 31, 2017 was $1,500,000.

Other Reinsurance Agreements

The Company entered into the following reinsurance agreements. As of December 31, 2018 and December 31, 2017, the total reinsurance reserve credit related to reinsuring the net amount at risk on the contracts below amounted to approximately $342,000 and $327,000.

• Swiss Re Life & Health Inc. (“Swiss Re”) - Automatic Self-Administered YRT reinsurance agreement upon which it cedes to Swiss Re a portion of private placement individual variable universal life risk on a first dollar quota share basis to the per life coverage maximum (with ZIC and Munich American Reassurance Company as additional reinsurers).

• Munich American Reassurance Company (“Munich”) - Automatic Self-Administered YRT reinsurance agreement with upon which it cedes to Munich a portion of the risk on a first dollar quota share basis to the per life coverage maximum (with ZIC and Swiss Re as additional reinsurers).

• General Re Life Corporation (“GenRe”) - Facultative YRT reinsurance agreement with upon which it cedes to GenRe risk that does not qualify for automatic reinsurance or if the Company so desires.

• Scor Global Life USA Reinsurance Company (“Scor”) - Single Case Facultative YRT reinsurance agreement with upon which it ceded to Scor risk that did not qualify for automatic reinsurance or as the Company so desired.

37

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

As of December 31, 2018, 2017 and 2016, amounts associated with reinsurance assumed from affiliated and unaffiliated insurance companies for life, annuity and disability products were as follows:

(in thousands of dollars)	2018		2017		2016
Reserves assumed from unaffiliated insurance companies	$	2,343	$	2,169	$	2,302
Premiums assumed from unaffiliated insurance companies		303		291		267
Benefits assumed from unaffiliated insurance companies		176		182		(276	)

As of December 31, 2018, 2017 and 2016, amounts associated with reinsurance ceded to affiliated and unaffiliated insurance companies for life, annuity and disability products were as follows:

(in thousands of dollars)	2018		2017		2016
Reserves ceded to affiliated insurance companies	$	1,079,540	$	993,573	$	1,075,680
Reserves ceded to unaffiliated insurance companies		1,993,084		2,054,518		2,105,364
Total reserves ceded	$	3,072,624	$	3,048,091	$	3,181,044
Premiums ceded to affiliated insurance companies	$	454,062	$	446,410	$	378,092
Premiums ceded to unaffiliated insurance companies		79,216		92,485		103,967
Total premiums ceded	$	533,278	$	538,895	$	482,059
Benefits ceded to affiliated insurance companies	$	254,728	$	290,962	$	342,598
Benefits ceded to unaffiliated insurance companies		308,247		337,765		282,661
Total benefits ceded	$	562,975	$	628,727	$	625,259

Such amounts associated with reinsurance ceded to affiliated and unaffiliated insurance companies for life insurance in force at December 31, 2018 and 2017 were as follows:

(in thousands of dollars)	2018		2017
Direct and assumed	$	86,268,438	$	78,890,065
Ceded to
Affiliated insurance companies	$	66,574,264	$	60,455,891
Unaffiliated insurance companies		5,665,264		6,311,802
Total ceded	$	72,239,528	$	66,767,693

Reinsurance agreements with an affiliated captive reinsurer

As of December 31, 2018 and 2017, the reserve credit taken by the ceding company is $282,081,073 and $238,821,376, respectively, for variable annuities. As of December 31, 2018

38

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

and 2017, the total amount of collateral for reinsurance agreements with affiliated captive reinsurers is $1,148,310,375 and $1,028,577,049 for ZIC and $387,920,795 and $347,056,252 for ZIBB, respectively. As of December 31, 2018 and 2017, the collateral for the variable annuities is $282,081,073 and $238,821,376 of the total ZIC amount, respectively.

Below is the list of assets placed for the benefit of the cedent at December 31, 2018 and 2017, respectively. The basis of the valuation of the assets is market value.

(in thousands of dollars)
2018
ZIC	Variable Annuities Reserve Credit		Total Collateral
Bonds	$	282,081	$	934,544
Equities (STIF)		—		19,969
Money Market		—		2,697
Unconditional Letters of Credit		—		191,100
Total Assets - For The Benefit of the Cedent	$	282,081	$	1,148,310
(in thousands of dollars)
ZIBB	Variable Annuities Reserve Credit		Total Collateral
Fixed Income	$	—	$	376,989
Equit		—		3,819
Cash		—		7,113
Total Assets - For The Benefit of the Cedent	$	—	$	387,921
(in thousands of dollars)
2017
ZIC	Variable Annuities Reserve Credit		Total Collateral
Bonds	$	238,821	$	814,712
Equities (STIF)		—		18,276
Money Market		—		4,489
Unconditional Letters of Credit		—		191,100
Total Assets - For The Benefit of the Cedent	$	238,821	$	1,028,577
(in thousands of dollars)
ZIBB	Variable Annuities Reserve Credit		Total Collateral
Bonds	$	—	$	344,166
Asset Back Securities (ABS)		—
Cash		—		2,890
Total Assets - For The Benefit of the Cedent	$	—	$	347,056

39

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

10. Capital and Surplus

The amount of dividends that can be paid by the Company to its stockholder without prior approval of the IDOI is limited to the greater of (i) 10% of its statutory unassigned surplus or (ii) statutory net income from the preceding calendar year. A dividend paid that does not meet the above specifications is defined as an “extraordinary dividend” and requires advance approval from the IDOI. The Company did not pay any dividends in 2018 or 2017. The Company has no surplus debentures. The Company also has no restrictions on surplus or any stock held by the Company for any special purposes.

11. Retirement Plans and Other Post Retirement Benefits Plans

Consolidated/Holding Company Plans

Effective in 2004, the Company’s employees began participating in a qualified, noncontributory defined benefit pension plan, currently sponsored by ZAIC. Effective January 1, 2009 the Company transitioned to a Cash Balance Program. However, vested employees who were age 40 and over or who had 10 or more years of service as of December 31, 2008 were “grandfathered” in the Company’s previous pension program. The ZAIC funding policy is to make sufficient contributions to the pension plan to fully provide for employees’ benefits at the time of retirement. Under the Cash Balance Program, ZAIC makes regular contributions to the employee’s account. The amount of these contributions is based on a percentage of an employee’s base pay and will vary depending on an employee’s age and length of service.

In addition, the Company provides postretirement benefits to retired employees through a plan also sponsored by ZAIC.

12. Separate Accounts

General Nature and Characteristics of Separate Accounts

The assets and liabilities of the Company’s Separate Accounts represent segregated funds administered and invested by the Company for purposes of funding flexible payment, individual and group variable annuity contracts, market value adjusted deferred annuity contracts, variable supplemental contracts and individual and group variable life insurance contracts for the exclusive benefit of variable annuity and variable life insurance contract holders.

The Company receives fees from the Separate Accounts which consist of charges for mortality and expense risk, certain minimum guaranteed death benefits, certain guaranteed retirement benefits, record maintenance fees and other administrative charges. The Company also retains varying amounts of withdrawal charges to cover expenses in the event of early withdrawals by contract holders. The assets and liabilities of the Separate Accounts are carried at current market value, which is based upon the closing bid price, net asset value. The negative liability for transfers to Separate Accounts due or accrued represents Commissioners Annuity Reserve Validation Method (“CARVM”).

The assets and liabilities of the Separate Accounts are carried at fair value, which is based upon the net asset value, at December 31, 2018 and 2017.

The Company has marketed non-registered individual and group variable BOLI contracts and a series of individual variable life contracts. The Company received approximately $117,564,000, $1,735,000, and $0 of renewal premium on existing BOLI contracts during 2018, 2017 and 2016, respectively. This business impacted premiums, separate accounts fees, net transfers to separate

40

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

accounts, insurance taxes, licenses and fees and income tax expense. The BOLI products also have premium tax and deferred acquisition costs (“DAC”) tax expense load charges which are deducted from the contract holder’s premiums to compensate the Company for premium taxes and DAC tax expenses incurred by the Company related to the BOLI products.

Separate accounts fees and miscellaneous income were comprised of the following for the years ended December 31, 2018, 2017 and 2016:

(in thousands of dollars)	2018		2017			2016
Separate accounts fees on non BOLI variable life and annuities	$	29,175	$	10,633		$	10,642
BOLI cost of insurance charges and fees1		301,794		306,275			284,932
BOLI tax benefits2		154		(52	)		(123	)
Total separate accounts fees and miscellaneous income	$	331,123	$	316,856		$	295,451

⁽¹⁾  The Company ceded approximately $318,974,000, $305,240,000 and $284,889,000 of such charges, as a reduction to premiums, to a Zurich affiliated company, ZIBB, during 2018, 2017 and 2016, respectively.

⁽²⁾ The Company paid approximately $0, $51,600 and $124,000 in DAC tax allowances to ZIBB In 2018, 2017 and 2016, respectively, for certain contracts in which the DAC tax loads received by the Company are collected over time as opposed to receiving the entire load up front.

Under statutory accounting, transfers to the separate accounts are reported net of premium and DAC tax loads. There is a corresponding offset to the premium tax load in insurance taxes, licenses and fees.

Information regarding the reserves included in the separate accounts of the Company as of December 31, 2018 and 2017 were as follows:

	2018
(in thousands of dollars)	Nonindexed		Nonindexed
	Guarantee		Guarantee		Nonguaranteed
	Less Than/		More		Separate
	Equal to 4%		Than 4%		Accounts		Total
Premiums, considerations or deposits for year ended December 31, 2018	$	94	$	—	$	222,508	$	222,602
Reserves at December 31, 2018	$	7,198	$	—	$	13,311,088	$	13,318,286
For accounts with assets at
Market value	$	7,198	$	—	$	13,311,088	$	13,318,286
Total reserves	$	7,198	$	—	$	13,311,088	$	13,318,286
By withdrawal characteristics
With market value adjustment	$	7,198	$	—			$	7,198
At market value						13,311,088		13,311,088
	$	7,198	$	—	$	13,311,088	$	13,318,286

41

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

	2017
(in thousands of dollars)	Nonindexed		Nonindexed
	Guarantee		Guarantee		Nonguaranteed
	Less Than/		More		Separate
	Equal to 4%		Than 4%		Accounts		Total
Premiums, considerations or deposits for year ended December 31, 2017	$	60	$	—	$	1,782,641	$	1,782,701
Reserves at December 31, 2017	$	7,243	$	—	$	13,424,696	$	13,431,939
For accounts with assets at
Market value	$	7,243	$	—	$	13,424,696	$	13,431,939
Total reserves	$	7,243	$	—	$	13,424,696	$	13,431,939
By withdrawal characteristics
With market value adjustment	$	7,243	$	—	$	—	$	7,243
At market value		—		—		13,424,696		13,424,696
	$	7,243	$	—	$	13,424,696	$	13,431,939

The following is a reconciliation of net transfers from the Company’s separate accounts For the Years Ended December 31, 2018, 2017 and 2016:

(in thousands of dollars)	2018			2017			2016
Transfers as reported in the summary of operations of the separate accounts annual statement
Transfers to separate accounts	$	283,106		$	1,921,649		$	304,272
Transfers from separate accounts		(215,693	)		(511,754	)		(395,075	)
Net transfers from separate accounts		67,413			1,409,895			(90,803	)
Reconciling adjustments
Experience rated refunds reinvested in separate accounts		(58,854	)		(135,278	)		(47,925	)
Change in termination value of separate accounts		(376	)		(137	)		(327	)
Separate accounts trading gain (loss)		(158	)		156			(41	)
Transfers required to support benefits		(377	)		(1,354	)		(1,185	)
Terminated policy refunds		20			(1,761	)		44
Expense credits payable (arising from DAC tax charge)		4,119			—			—
Other		26			414			428
Net transfers from separate accounts as reported in the statement of operations	$	11,813		$	1,271,935		$	(139,809	)

13. Premiums Due and Deferred

Gross due and deferred premiums represent life insurance premiums due to be received from policyholders through the next respective policy anniversary dates. Net deferred and uncollected premiums represent only the portion of gross premiums related to mortality charges and interest.

42

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

Due and deferred premiums at December 31, 2018 and 2017 are as follows:

	2018				2017
(in thousands of dollars)	Gross		Net		Gross		Net
Ordinary Renewal	$	2,734	$	2,429	$	2,387	$	2,200
	$	2,734	$	2,429	$	2,387	$	2,200

14. Commitments and Contingencies

The Company is subject to lawsuits arising from the normal course of its business activities. These actions are in various stages of discovery and development, and some seek punitive as well as compensatory damages. In the opinion of management, the Company has not engaged in any conduct that should warrant the award of any material punitive or compensatory damages. The Company intends to defend vigorously its position in each case, and management believes that, while it is not possible to predict the outcome of such matters with absolute certainty, ultimate disposition of these proceedings should not have a material adverse effect on the Company’s financial position.

The Company entered into a sublease agreement with Farmers Insurance Exchange on September 1, 2016, but effective as of December 31, 2015, that will expire June 19, 2021. Rent paid, including allocation of rent from third-party administrators was approximately $369,000, $310,000, and $286,000 for the years ended December 31, 2018, 2017 and 2016, respectively. At December 31, 2018 the total minimum aggregate rental commitments for the length of the lease period was $299,163.

15. Subsequent Events

Effective January 1, 2019 the Company restructured its agreement with ZIBB reinsuring the Business Owned Life Insurance (BOLI) and Mortality Based Funding (MBF) policies, such that the previous Yearly Renewable Term (YRT) treaty was terminated by mutual agreement, and a new excess of loss treaty (EOL) for the net amount at risk (NAR) was entered into instead. This recapture of the affiliate reinsurance agreement was approved by the IDOI. The Company has evaluated subsequent events through April 30, 2019, the date the financial statements were available to be issued.

43

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

16. Reconciliation to Statutory Statement

As of December 31, 2018, there is a difference between the audited Statutory Financial Statements and the Annual Statement within the balance sheet. The items noted below were primarily related to reclassification of items on the balance sheet and income statement.    

	As reported in 2018 annual statements			Adjustments			As reported in audited statutory financial statements
Admitted Assets:
Cash, cash equivalents and short term investments	$	75,201,335		$	(104,459	)	$	75,096,876
Subtotals, cash and invested assets (lines 1 -11)		628,158,658			(104,459	)		628,054,199
Current federal an foreign income tax recoverable and interest thereon		12,719,820			518,000			13,237,820
Total Assets Excluding Separate, Segregated and Protected Cell Accounts (Lines 12 to 25)		729,505,973			413,541			729,919,514
Total		14,048,160,152			413,541			14,048,573,693
Liabilities and Capital Stock and Surplus:
Liability for amounts held under uninsured (24.06)	$	200,423		$	860,000		$	1,060,423
Funds held under coinsurance (24.07)		3,301,421			(964,459	)		2,336,962
Total liabilities Excluding Separate Accounts		603,456,571			(104,459	)		603,352,112
Total liabilities		13,922,110,750			(104,459	)		13,922,006,291
Unassigned funds - Surplus		(666,419,983	)		518,000			(665,901,983	)
Total Capital & Surplus		126,049,402			518,000			126,567,402
Statement of Operations:
Premiums and annuity considerations for the life and accident and health contracts	$	(88,869,358	)	$	457,525		$	(88,411,833	)
Totals (Lines 1 - 8.3)		346,134,363			457,525			346,591,888
Interest and adjustments on contract or deposit-type contract funds		1,540,327			3,405,735			4,946,062
Payments on supplementary contracts with life contingencies		23,207,651			(3,405,735	)		19,801,916
Totals (Lines 10 - 19)		151,473,355			—			151,473,355
Totals (Lines 20-27)		414,469,881			—			414,469,881
Net Gain From Oper. Before Policyholder Div.’s and FIT	$	(68,335,519	)	$	457,525		$	(67,877,994	)
Federal and foreign income taxes incurred	$	(12,752,748	)		$ (518,000	)	$	(13,270,748	)
Net Gain From Oper After Policyholder Div’s and FIT		(55,582,771	)		975,525			(54,607,246	)
Net Income (Line 33 + 34)		(55,673,259	)		975,525			(54,697,734	)

44

Zurich American Life Insurance Company

Notes to Statutory Financial Statements

As of and For the Years Ended December 31, 2018, 2017 and 2016

As of December 31, 2017, there is a difference between the audited Statutory Financial Statements and the Annual Statement within the balance sheet and income statement. The items noted below were primarily related to reclassification of items on the balance sheet. There was one adjustment that impacted the income statement due to an error that was corrected.

	As reported in 2017 annual statements			Adjustments			As reported in audited statutory financial statements
Admitted Assets:
Cash, cash equivalents and short term investments	$	60,689,205		$	(1,500,000	)	$	59,189,205
Premium and annuity cosiderations uncollected prem and agents’ balances		3,319,693			289,768			3,609,461
Total Assets Excluding Separate, Segregated and Protected Cell Accounts		794,099,955			(1,210,232	)		792,889,723
Liabilities and Capital Stock and Surplus:
Premiums and annuity consideration received in advance	$	(220,115	)	$	457,525		$	237,410
General expenses due or accrued		11,367,716			(1,500,000	)		9,867,716
Remittances and Items not Allocated		15,797,865			(10,093,788	)		5,704,077
Funds Held for Reinsurers		(5,042,305	)		10,093,788			5,051,483
Total liabilities Excluding Separate Accounts		674,523,464			(1,042,475	)		673,480,989
Total liabilities		14,106,949,699			(1,042,475	)		14,105,907,225
Unassigned Surplus		(616,892,894	)		(457,525	)		(617,350,419	)
Total Capital & Surplus		119,576,491			(457,525	)		119,118,966
Statement of Operations:
Premiums and Annuity Considerations	$	1,579,853,737		$	(457,525	)	$	1,579,396,212
Totals (Lines 1 - 8.3)		2,026,498,994			(457,525	)		2,026,041,468
Net Gain From Oper. Before Policyholder Div.’s and FIT		15,689,208			(457,525	)		15,231,683
Net Gain From Oper After Policyholder Div’s and FIT		(33,368,688	)		(457,525	)		(33,826,213	)
Net Income (Line 33 + 34)		(33,390,241	)		(457,525	)		(33,847,766	)
Capital and Surplus:
Net Income (Line 35)	$	(33,390,241	)	$	(457,525	)	$	(33,847,766	)
Change in nonadmitted assets		(9,186,594	)		289,768			(8,896,826	)
Net Change in Capital & Surplus For The Year (Line 37 through 53)		(4,774,464	)		(167,757	)		(4,942,221	)
Capital & Surplus, EOY (Line 36 + 54)		119,576,490			(167,757	)		119,408,733

45

Supplemental Schedules

Zurich American Life Insurance Company

Supplemental Schedule of Assets and Liabilities

December 31, 2018

The following is a summary of certain financial data included in exhibits and schedules subjected to audit procedures by independent accountants and utilized by actuaries in the determination of reserves.

	2018
Investment income earned
U.S. government bonds	$	1,233,057
Other fixed maturities (unaffiliated)		17,193,522
Contract loans		3,086,454
Cash, cash equivalents and short-term investments		909,807
Aggregate write-ins for investment income		88,034
Gross investment income	$	22,510,874
Fixed Maturities and short-term investments, by NAIC designation and maturity
Fixed Maturities by maturity – statement value
Due within 1 year or less	$	58,085,246
Over 1 year through 5 years		151,139,521
Over 5 years through 10 years		147,657,919
Over 10 years through 20 years		57,729,157
Over 20 years		52,886,882
Total by maturity	$	467,498,725
Fixed Maturities by NAIC designation– statement value
NAIC – 1	$	354,433,216
NAIC – 2		112,545,760
NAIC – 3		519,748
NAIC – 4		—
NAIC – 5		—
NAIC – 6		1
Total by NAIC designation	$	467,498,725
Total fixed maturities publicly traded	$	327,820,910
Total fixed maturities privately traded	$	139,677,815
Short-term investments – book value	$	1,482,310
Cash on deposit	$	(1,034,411	)

47

Zurich American Life Insurance Company

Supplemental Schedule of Assets and Liabilities

December 31, 2018

	2018
Life insurance in force
Industrial
Ordinary	$	1,136,760,000
Credit life
Group life	$	12,892,150,000
Amount of additional accidental death benefits in force under ordinary policies	$	3,326,000
Supplemental contracts in force
Ordinary – not involving life contingencies
Amount on deposit
Income payable	$	4,332,839
Ordinary – involving life contingencies
Income payable	$	54,266,155
Group – not involving life contingencies
Amount on deposit	$	—
Income payable	$	—
Group – involving life contingencies
Income payable	$	—
Annuities
Ordinary
Immediate – amount of income payable	$	—
Deferred – fully paid – account balance	$	116,697,052
Deferred – not fully paid – account balance	$	2,512,418,989
Group
Amount of income payable	$	—
Fully paid – account balance	$	—
Not fully paid – account balance	$	632,458,076
Accident and health premiums in force
Group	$	19,865,376
Credit
Other	$	17,978
Deposit funds and dividend accumulations
Deposit funds – account balance	$	11,434,845
Dividend accumulations – account balance

48

Zurich American Life Insurance Company

Supplemental Summary Investment Schedule

December 31, 2018

The Company’s gross investment holdings as filed with the 2018 Annual Statement are $628,158,659.

	Gross					Admitted Assets as Reported
	Investment Holdings					in the Annual Statement
Investment Categories	Amount		Percentage			Amount		Percentage
2018
Fixed maturities
U.S. treasury securities	$	44,764,480		7.13	%	$	44,764,480		7.13	%
U.S. government agency obligations issued by U.S. government sponsored agencies		1,494,825		0.24	%		1,494,825		0.24	%
Foreign government (including Canada, excluding mortgage-backed securities)		260,672		0.04	%		260,672		0.04	%
Securities issued by states, territories and possessions and political subdivisions in the U.S.		—		0.00	%		—		0.00	%
Political subdivisions of state, territories and possessions general obligations		3,716,255		0.59	%		3,716,255		0.59	%
Revenue and assessment obligations		7,593,619		1.21	%		7,593,619		1.21	%
Mortgage-backed securities
Pass-through securities
Guaranteed by GNMA		1,628,679		0.26	%		1,628,679		0.26	%
Issued by FNMA and FHLMC		18,330,930		2.92	%		18,330,930		2.92	%
CMOs and REMICs
Issued by FNMA and FHLMC		36,840,837		5.86	%		36,840,837		5.86	%
All other privately issued		96,753,440		15.40	%		96,753,440		15.40	%
Other debt and other fixed income securities (excluding short-term)
Unaffiliated domestic securities (includes credit tenant loans rated by the SVO)		214,845,936		34.20	%		214,845,936		34.20	%
Unaffiliated foreign securities		39,786,743		6.33	%		39,786,743		6.33	%
Other equity securities: Affiliated		20,847,028		3.32	%		20,847,028		3.32	%
Receivable for Securities		—		0.00	%		—		0.00	%
Contract loans		66,093,880		10.52	%		66,093,879		10.52	%
Cash, cash equivalents and short-term investments		75,097,335		11.97	%		75,201,335		11.97	%
Total invested assets	$	628,054,659		100	%	$	628,158,659		100	%

49

Zurich American Life Insurance Company

Supplemental Investment Risk Interrogatories

December 31, 2018

The Company’s total admitted assets, excluding separate account assets, as filed in the 2018 Annual Statement were $729,505,973.

The Company’s 10 largest exposures to a single issuer/borrower/investment, excluding U.S. government, U.S. government agency securities and those U.S. government money market funds listed in the Appendix to the NAIC SVO Purposes and Procedures Manual as exempt, property occupied by the Company and policy loans are as follows:

			Percentage
			of Total
			Admitted
Investments	Amount		Assets
FEDERATED INST PRME OBL-IS FUND	$	37,484,113		5.14	%
GOLDMAN SACHS GROUP		25,782,514		3.53	%
Zurich American Life Company of New York		20,847,028		2.86	%
FIDELITY		11,587,453		1.59	%
HEB GROCERY COMPANY L.P.		5,000,269		0.69	%
RREEF AMERICA REIT II, INC.		4,475,391		0.61	%
Suburban Water Systems		4,375,138		0.60	%
WHEELING POWER COMPANY		4,117,364		0.56	%
CNH 2018-A A2		4,000,839		0.55	%
GCCT 2015-2A A		4,000,021		0.55	%

The amounts and percentages of the Company’s total admitted assets held in fixed maturities and preferred stocks by NAIC rating are as follows:

	Amount		Percentage
Fixed Maturities
NAIC – 1	$	354,433,216		48.59	%
NAIC – 2		112,545,760		15.43	%
NAIC – 3		519,748		0.07	%
NAIC – 4		—		0.00	%
NAIC – 5		—		0.00	%
NAIC – 6		1		0.00	%
	$	467,498,725
Preferred stocks
P/RP-1	$	—		0.00	%
P/RP-2		—		0.00	%
P/RP-3		—		0.00	%
P/RP-4		—		0.00	%
P/RP-5		—		0.00	%
P/RP-6		—		0.00	%
	$	—

The Company holds admitted assets in foreign investments of $36,366,931 or 5% of total admitted assets.

50

Zurich American Life Insurance Company

Supplemental Investment Risk Interrogatories

December 31, 2018

The amounts and percentages of the Company’s total admitted assets held in aggregate foreign investment exposures categorized by NAIC sovereign rating are as follows:

	Amount		Percentage of Total Admitted Assets
Countries rated NAIC – 1	$	35,567,767		4.88	%
Countries rated NAIC – 2		799,164		0.11	%
Countries rated NAIC – 3 or below		—		0.00	%

The Company’s two largest foreign investment exposures to a single country, categorized by the country’s NAIC sovereign rating:

	Amount		Percentage of Total Admitted Assets
Countries Rated NAIC – 1
Australia	$	6,898,185		0.95	%
United Kingdom		4,840,579		0.66	%
Countries Rated NAIC – 2 or below
Mexico	$	799,164		0.11	%
Countries Rated NAIC – 3 or below		0		0

Questions 7 through 9 are not applicable as the Company does not have unhedged foreign currency exposure.

51

Zurich American Life Insurance Company

Supplemental Investment Risk Interrogatories

December 31, 2018

The Company’s 10 largest nonsovereign foreign issues and related percentages of total admitted assets are listed below:

NAIC Rating		Amount		Percentage of Assets
1	FEDERATION CENTRES LIMITED	$	3,900,210		0.53	%
2	CORBION NV		3,000,173		0.41	%
2	INFINEON TECHNOLOGIES AG		2,999,980		0.41	%
1FE	HSBC HOLDINGS PLC		2,943,409		0.40	%
1FE	MIZUHO FINANCIAL GROUP INC		2,755,622		0.38	%
1FE	BPCE SA		2,041,109		0.28	%
1FE	SCENTRE GROUP		1,468,109		0.20	%
1FE	KERRY GROUP PLC		1,387,673		0.19	%
1FE	VODAFONE GROUP PLC		1,017,407		0.14	%
1FE	BNP PARIBAS		998,007		0.14	%

Question 11 is not applicable as the Company does not hold any Canadian investments.

Question 12 is not applicable as the Company does not hold any investments with contractual sales restrictions.

The Company’s 10 largest equity interests and related percentages of total admitted assets are listed below:

Issuer	Amount		Percentage of Assets
Zurich American Life Insurance Company of New York	$	20,847,028		2.86	%

Question 14 is not applicable as the Company does not hold any investments in nonaffiliated, privately placed equity securities.

Question 15 is not applicable as the Company does not hold any investments in general partnership interests.

Questions 16 and 17 are not applicable as the Company does not hold any mortgage loans.

Question 18 is not applicable as the Company does not hold any real estate investments.

Question 19 is not applicable as the Company does not hold any investments in mezzanine real estate loans.

Question 20 is not applicable as the Company does not hold any investments in securities lending.

52

Zurich American Life Insurance Company

Supplemental Investment Risk Interrogatories

December 31, 2018

The Company holds the following amounts in securities lending arrangements as of:

			Percentage of
			Total Admitted
Date	Amount		Assets
March 31, 2018 (unaudited)	$	—
June 30, 2018 (unaudited)		—
September 30, 2018 (unaudited)		—
December 31, 2018		—		0.00	%

Question 21 is not applicable as the Company does not hold any warrants not attached to other financial instruments, options, caps or floors.

Questions 22 and 23 are not applicable as the Company holds no investments in collars, swaps, forwards, or future contracts.

53

ZALICO VARIABLE ANNUITY SEPARATE ACCOUNT

OF ZURICH AMERICAN LIFE INSURANCE COMPANY

FINANCIAL STATEMENTS

DECEMBER 31, 2018

ZALICO Variable Annuity Separate Account

of Zurich American Life Insurance Company

Index	Page(s)
Report of Independent Registered Public Accounting Firm		1-2
Statement of Assets, Liabilities and Contract Owners’ Equity, December 31, 2018		3-10
Statement of Operations for the year ended December 31, 2018		11-18
Statement of Changes in Contract Owners’ Equity for the year ended December 31, 2018		19-26
Statement of Changes in Contract Owners’ Equity for the year ended December 31, 2017		27-34
Notes to Financial Statements		35-61

Report of Independent Registered Public Accounting Firm

To the Board of Directors of Zurich American Life Insurance Company and the Contract Owners of ZALICO Variable Annuity Separate Account

Opinions on the Financial Statements

We have audited the accompanying statements of assets, liabilities and contract owners’ equity of each of the subaccounts of ZALICO Variable Annuity Separate Account indicated in the table below as of December 31, 2018 and the related statements of operations and of changes in contract owners’ equity for each of the periods indicated in the table below (other than subaccount JP Morgan Insurance Trust Intrepid MidCap which only includes a statement of changes in contract owners’ equity for the period from January 1, 2017 to May 19, 2017 (date of liquidation)), including the related notes (collectively referred to as the “financial statements”). In our opinion, the financial statements present fairly, in all material respects, the financial position of each of the subaccounts in the ZALICO Variable Annuity Separate Account (other than subaccount JP Morgan Insurance Intrepid MidCap) as of December 31, 2018, and the results of each of their operations and changes in each of their net assets for the periods indicated in the table below in conformity with accounting principles generally accepted in the United States of America.

Alger Balanced (1)	Fidelity VIP Asset Manager (1)
Alger Capital Appreciation (1)	Fidelity VIP Contrafund (1)
Alger Large Cap Growth 1-2 (1)	Fidelity VIP Equity Income (1)
Alger Mid Cap Growth 1-2 (1)	Fidelity VIP Growth (1)
Alger Small Cap Growth 1-2 (1)	Fidelity VIP Index 500 (1)
American Century VP Income & Growth (1)	Fidelity VIP Index 500 – SC (1)
American Century VP Value (1)	Franklin Mutual Global Discovery VIP Fund CL 2 (1)
DWS Bond VIP A (1)	Franklin Mutual Shares VIP Fund CL 2 (1)
DWS Capital Growth VIP (1)	Franklin Rising Dividends VIP Fund CL 2 (1)
DWS Capital Growth VIP B (1)	Franklin Small Cap Value VIP Fund CL 2 (1)
DWS Core Equity VIP A (1)	Franklin Strategic Income VIP Fund CL 2 (1)
DWS Core Equity VIP B (1)	Franklin U.S. Government Securities VIP Fund CL 2 (1)
DWS CROCI® International VIP A (1)	Templeton Developing Markets VIP Fund CL 2 (1)
DWS CROCI® International VIP B (1)	Invesco V.I. Diversified Dividend Fund Series I (1)
DWS Global Small Cap VIP A (1)	Invesco V.I. Health Care Fund (1)
DWS Global Equity A (1)	Invesco V.I. Global Real Estate Fund Series I (1)
DWS International Growth A (1)	Invesco V.I. Managed Volatility Fund Series I (1)
DWS International Growth B (1)	Janus Henderson Balanced Portfolio I-S (1)
DWS Global Income Builder VIP A (1)	Janus Henderson Enterprise Portfolio I-S (1)
DWS Government & Agency Securities VIP A (1)	Janus Henderson Forty Portfolio I-S (1)
DWS Government & Agency Securities VIP B (1)	Janus Henderson Global Research Portfolio I-S (1)
DWS Government Money Market VIP A (1)	Janus Henderson Research Portfolio I-S (1)
DWS High Income VIP A (1)	Janus Henderson Mid Cap Value Portfolio S-S (1)
DWS High Income VIP B (1)	JPMorgan Insurance Trust Core Bond (1)
DWS CROCI® US VIP A (1)	JP Morgan Insurance Trust Intrepid MidCap (2)
DWS CROCI® US VIP B (1)	JP Morgan Insurance Trust Mid Cap Value (1)
DWS Small Mid Cap Growth VIP A (1)	JP Morgan Insurance Trust Small Cap Core (1)
DWS Small Mid Cap Value VIP A (1)	JP Morgan Insurance Trust US Equity (1)
DWS Small Mid Cap Value VIP B (1)	Oppenheimer Capital Appreciation (1)
DWS Multisector Income VIP A (1)	Oppenheimer Discovery Mid Cap Growth Fund S-S (1)

DWS Equity 500 Index VIP A (1)	Oppenheimer Global Fund S-S (1)
DWS Equity 500 Index VIP B2 (1)	Oppenheimer Global Strategic Income VA (1)
Dreyfus I.P. Mid Cap Stock A (1)	Oppenheimer Main Street (1)
Dreyfus I.P. Mid Cap Stock SC (1)	Oppenheimer Main Street Small Cap Fund S-S (1)
The Dreyfus Sustainable U.S. Equity Portfolio Inc. 1-S (1)	PIMCO/PVIT International Bond (U.S. Dollar Hedged) (1)
The Dreyfus Sustainable U.S. Equity Portfolio Inc. S-S (1)	PIMCO Low Duration ADM (1)
	Voya Global Equity Portfolio (1)
	VY JPMorgan Emerging Markets Equity Portfolio Class I (1)

(1) Statement of operations for the year ended December 31, 2018 and statements of changes in contract owners’ equity for the years ended December 31, 2018 and 2017

(2) Statement of changes in contract owners’ equity for the period January 1, 2017 to May 19, 2017 (date of liquidation)

Basis for Opinions

These financial statements are the responsibility of the Zurich American Life Insurance Company’s management. Our responsibility is to express an opinion on the financial statements of each of the subaccounts in the ZALICO Variable Annuity Separate Account based on our audits. We are a public accounting firm registered with the Public Company Accounting Oversight Board (United States) (PCAOB) and are required to be independent with respect to each of the subaccounts in the ZALICO Variable Annuity Separate Account in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.

We conducted our audits of these financial statements in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement, whether due to error or fraud.

Our audits included performing procedures to assess the risks of material misstatement of the financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Our audits also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the financial statements. Our procedures included confirmation of investments owned as of December 31, 2018 by correspondence with the transfer agents of the investee mutual funds. We believe that our audits provide a reasonable basis for our opinions.

/s/ PricewaterhouseCoopers LLP

Chicago, Illinois

April 30, 2019

We have served as the auditor of one or more of the subaccounts in ZALICO Variable Annuity Separate Account since 1997.

ZALICO Variable Annuity Separate Account

Statement of Assets, Liabilities and Contract Owners’ Equity

December 31, 2018

	Alger Portfolios										American Century Variable Portfolios, Inc.		American Century Variable Portfolios, Inc.				Deutsche Variable Series I
	Alger Balanced		Alger Capital Appreciation		Alger Large Cap Growth I-2		Alger Mid Cap Growth I-2		Alger Small Cap Growth I-2		American Century VP Income & Growth		American Century VP Value		DWS Bond VIP A		DWS Capital Growth VIP A
ASSETS
Investments in underlying portfolio funds, at fair value	$	16,183,877		38,617,140		9,974,992		7,989,210		6,301,737		8,431,876		9,810,339		18,988,617		150,113,764
Dividends and other receivables		—		—		—		—		—		—		—		—		—
Total assets		16,183,877		38,617,140		9,974,992		7,989,210		6,301,737		8,431,876		9,810,339		18,988,617		150,113,764
LIABILITIES AND CONTRACT OWNERS’ EQUITY
Liabilities - other payables		—		—		—		—		—		—		—		—		—
Contract owners’ equity	$	16,183,877		38,617,140		9,974,992		7,989,210		6,301,737		8,431,876		9,810,339		18,988,617		150,113,764
Accumulation period	$	16,183,877		38,617,139		9,974,992		7,989,210		6,299,378		8,431,876		9,798,392		18,973,417		149,633,421
Annuity period		—		1		—		—		2,359		—		11,947		15,200		480,343
Total Contract Owners’ Equity	$	16,183,877		38,617,140		9,974,992		7,989,210		6,301,737		8,431,876		9,810,339		18,988,617		150,113,764
Units Outstanding		896,719		1,434,948		92,868		134,943		70,538		600,968		536,766		1,927,942		4,968,036
Shares Owned in each Portfolio		1,183,897		567,315		193,953		408,655		268,960		934,798		980,054		3,582,757		5,504,722
Fair Value per Share	$	13.67		68.07		51.43		19.55		23.43		9.02		10.01		5.30		27.27

See accompanying notes to financial statements

3

ZALICO Variable Annuity Separate Account

Statement of Assets, Liabilities and Contract Owners’ Equity

December 31, 2018

	Deutsche Variable Series I												Deutsche Variable Series II
	DWS Capital Growth VIP B		DWS Core Equity VIP A		DWS Core Equity VIP B		DWS CROCI® International VIP A		DWS CROCI® International VIP B		DWS Global Small Cap VIP A		DWS Global Equity A		DWS International Growth VIP A		DWS International Growth VIP B
ASSETS
Investments in underlying portfolio funds, at fair value	$	186,694		43,559,110		79,119		12,422,400		28,885		21,917,833		24,335,997		12,256,321		52,319
Dividends and other receivables		—		—		—		—		—		—		—		—		—
Total assets		186,694		43,559,110		79,119		12,422,400		28,885		21,917,833		24,335,997		12,256,321		52,319
LIABILITIES AND CONTRACT OWNERS’ EQUITY
Liabilities - other payables		—		—		—		—		—		—		—		—		—
Contract owners’ equity	$	186,694		43,559,110		79,119		12,422,400		28,885		21,917,833		24,335,997		12,256,321		52,319
Accumulation period	$	186,694		43,554,026		79,119		12,411,682		28,885		21,917,833		24,309,204		12,256,321		52,319
Annuity period		—		5,084		—		10,718		—		—		26,793		—		—
Total Contract Owners’ Equity	$	186,694		43,559,110		79,119		12,422,400		28,885		21,917,833		24,335,997		12,256,321		52,319
Units Outstanding		6,594		2,161,122		3,070		1,272,384		2,468		839,389		4,999,337		642,573		2,708
Shares Owned in each Portfolio		6,874		4,431,242		8,065		1,997,171		4,629		2,459,914		2,358,140		1,068,555		4,553
Fair Value per Share	$	27.16		9.83		9.81		6.22		6.24		8.91		10.32		11.47		11.49

See accompanying notes to financial statements

4

ZALICO Variable Annuity Separate Account

Statement of Assets, Liabilities and Contract Owners’ Equity

December 31, 2018

	Deutsche Variable Series II
	DWS Global		DWS Government		DWS Government		DWS Government
	Income Builder		& Agency		& Agency		Money Market		DWS High Income		DWS High Income		DWS CROCI®		DWS CROCI®		DWS Small Mid
	VIP A		Securities VIP A		Securities VIP B		VIP A		VIP A		VIP B		U.S. VIP A		U.S. VIP B		Cap Growth VIP A
ASSETS
Investments in underlying portfolio funds, at fair value	$	83,425,447		16,460,229		102,301		26,564,768		37,130,786		8,226		77,217,787		134,906		48,577,751
Dividends and other receivables		—		—		—		10,286		—		—		—		—		—
Total assets		83,425,447		16,460,229		102,301		26,575,055		37,130,786		8,226		77,217,787		134,906		48,577,751
LIABILITIES AND CONTRACT OWNERS’ EQUITY
Liabilities - other payables		—		—		—		—		—		—		—		—		—
Contract owners’ equity	$	83,425,447		16,460,229		102,301		26,575,055		37,130,786		8,226		77,217,787		134,906		48,577,751
Accumulation period	$	82,906,960		16,248,244		102,301		26,540,777		36,863,960		8,226		77,170,468		134,906		48,555,057
Annuity period		518,487		211,985		—		34,278		266,826		—		47,319		—		22,694
Total Contract Owners’ Equity	$	83,425,447		16,460,229		102,301		26,575,055		37,130,786		8,226		77,217,787		134,906		48,577,751
Units Outstanding		8,255,308		2,982,412		8,249		8,041,812		3,310,074		392		6,546,483		7,831		7,007,267
Shares Owned in each Portfolio		3,911,179		1,508,729		9,385		26,564,769		6,502,765		1,436		5,736,834		9,993		3,831,053
Fair Value per Share	$	21.33		10.91		10.90		1.00		5.71		5.73		13.46		13.50		12.68

See accompanying notes to financial statements

5

ZALICO Variable Annuity Separate Account

Statement of Assets, Liabilities and Contract Owners’ Equity

December 31, 2018

	Deutsche Variable Series II						Deutsche Investments VIT Funds		Deutsche Investments VIT Funds		Dreyfus Investment Portfolios				The Dreyfus Sustainable U.S. Equity Fund		The Dreyfus Sustainable U.S. Equity Fund
															The Dreyfus		The Dreyfus
															Sustainable U.S.		Sustainable U.S.
	DWS Small Mid		DWS Small Mid		DWS Multisector		DWS Equity 500		DWS Equity 500		Dreyfus I.P. Mid		Dreyfus I.P. Mid		Equity Portfolio,		Equity Portfolio,
	Cap Value VIP A		Cap Value VIP B		Income VIP A		Index VIP A		Index VIP B2		Cap Stock A		Cap Stock SC		Inc. I-S		Inc. S-S
ASSETS
Investments in underlying portfolio funds, at fair value	$	45,858,342		116,508		8,018,554		62,564,145		1,406		23,744,783		3,846,712		3,923,847		4,030
Dividends and other receivables		—		—		—		—		—		—		—		—		—
Total assets		45,858,342		116,508		8,018,554		62,564,145		1,406		23,744,783		3,846,712		3,923,847		4,030
LIABILITIES AND CONTRACT OWNERS’ EQUITY
Liabilities - other payables		—		—		—		—		—		—		—		—		—
Contract owners’ equity	$	45,858,342		116,508		8,018,554		62,564,145		1,406		23,744,783		3,846,712		3,923,847		4,030
Accumulation period	$	45,759,728		116,508		8,018,552		62,564,145		1,406		23,744,782		3,846,712		3,923,847		4,030
Annuity period		98,614		—		2		—		—		1		—		—		—
Total Contract Owners’ Equity	$	45,858,342		116,508		8,018,554		62,564,145		1,406		23,744,783		3,846,712		3,923,847		4,030
Units Outstanding		5,346,726		4,252		539,767		2,884,581		71		830,757		136,969		158,596		183
Shares Owned in each Portfolio		3,755,802		9,550		859,438		3,310,272		74		1,413,380		230,204		127,688		133
Fair Value per Share	$	12.21		12.20		9.33		18.90		18.90		16.80		16.71		30.73		30.30

See accompanying notes to financial statements

6

ZALICO Variable Annuity Separate Account

Statement of Assets, Liabilities and Contract Owners’ Equity

December 31, 2018

	Fidelity Variable Insurance Products Funds												Franklin Templeton Variable Insurance Products Trust
													Franklin Mutual		Franklin Mutual		Franklin Rising
	Fidelity VIP Asset		Fidelity VIP		Fidelity VIP		Fidelity VIP		Fidelity VIP Index		Fidelity VIP Index		Global Discovery		Shares VIP Fund		Dividends VIP
	Manager		Contrafund		Equity Income		Growth		500		500 - SC		VIP Fund CL 2		CL 2		Fund CL 2
ASSETS
Investments in underlying portfolio funds, at fair value	$	2,702,880		56,757,657		17,102,430		26,054,623		59,911,793		1,877,745		13,250,330		3,363,431		6,552,157
Dividends and other receivables		—		—		—		—		—		—		—		—		—
Total assets		2,702,880		56,757,657		17,102,430		26,054,623		59,911,793		1,877,745		13,250,330		3,363,431		6,552,157
LIABILITIES AND CONTRACT OWNERS’ EQUITY
Liabilities - other payables		—		—		—		—		—		—		—		—		—
Contract owners’ equity	$	2,702,880		56,757,657		17,102,430		26,054,623		59,911,793		1,877,745		13,250,330		3,363,431		6,552,157
Accumulation period	$	2,702,880		56,657,725		17,093,578		26,035,037		59,858,502		1,877,745		13,244,771		3,363,431		6,536,793
Annuity period		—		99,932		8,852		19,586		53,291		—		5,559		—		15,364
Total Contract Owners’ Equity	$	2,702,880		56,757,657		17,102,430		26,054,623		59,911,793		1,877,745		13,250,330		3,363,431		6,552,157
Units Outstanding		65,359		724,866		275,859		223,867		187,624		6,453		451,188		150,611		226,798
Shares Owned in each Portfolio		197,579		1,766,500		839,589		412,779		237,312		7,526		781,730		193,301		261,668
Fair Value per Share	$	13.68		32.13		20.37		63.12		252.46		249.51		16.96		17.40		25.04

See accompanying notes to financial statements

7

ZALICO Variable Annuity Separate Account

Statement of Assets, Liabilities and Contract Owners’ Equity

December 31, 2018

	Franklin Templeton
	Variable Insurance Products Trust								Invesco Variable Insurance Funds
					Franklin U.S.		Templeton		Invesco V.I.						Invesco V.I.
	Franklin Small		Franklin Strategic		Government		Developing		Diversified				Invesco V.I.		Managed		Janus Henderson
	Cap Value VIP		Income VIP Fund		Securities VIP		Markets VIP Fund		Dividend Fund		Invesco V.I.		Global Real Estate		Volatility Fund		Balanced Portfolio
	Fund CL 2		CL 2		Fund CL 2		CL 2		Series I		Health Care Fund		Fund Series I		Series I		I-S
ASSETS
Investments in underlying portfolio funds, at fair value	$	4,180,798		4,223,425		1,197,998		2,602,420		773,565		1,955,860		3,600,164		7,816,603		62,385,539
Dividends and other receivables		—		—		—		—		—		—		—		—		—
Total assets		4,180,798		4,223,425		1,197,998		2,602,420		773,565		1,955,860		3,600,164		7,816,603		62,385,539
LIABILITIES AND CONTRACT OWNERS’ EQUITY
Liabilities - other payables		—		—		—		—		—		—		—		—		—
Contract owners’ equity	$	4,180,798		4,223,425		1,197,998		2,602,420		773,565		1,955,860		3,600,164		7,816,603		62,385,539
Accumulation period	$	4,180,798		4,220,284		1,197,998		2,558,562		773,565		1,955,860		3,600,164		7,816,603		62,114,548
Annuity period		—		3,141		—		43,858		—		—		—		—		270,991
Total Contract Owners’ Equity	$	4,180,798		4,223,425		1,197,998		2,602,420		773,565		1,955,860		3,600,164		7,816,603		62,385,539
Units Outstanding		125,248		230,863		95,124		90,210		64,236		67,848		124,080		444,164		866,712
Shares Owned in each Portfolio		286,356		410,839		101,611		304,733		32,640		83,548		231,969		708,026		1,848,460
Fair Value per Share	$	14.60		10.28		11.79		8.54		23.70		23.41		15.52		11.04		33.75

See accompanying notes to financial statements

8

ZALICO Variable Annuity Separate Account

Statement of Assets, Liabilities and Contract Owners’ Equity

December 31, 2018

	Janus						Janus				JPMorgan
	Henderson Series						Henderson Series				Insurance Trust
	Janus Henderson				Janus Henderson		Janus Henderson		Janus Henderson		JPMorgan		JPMorgan		JPMorgan		JPMorgan
	Enterprise		Janus Henderson		Global Research		Research Portfolio		Mid Cap Value		Insurance Trust		Insurance Trust		Insurance Trust		Insurance Trust
	Portfolio I-S		Forty Portfolio I-S		Portfolio I-S		I-S		Portfolio S-S		Core Bond		Mid Cap Value		Small Cap Core		US Equity
ASSETS
Investments in underlying portfolio funds, at fair value	$	48,339,763		418,869		30,837,140		24,035,932		3,405,129		273,512		4,878,989		3,832,617		730,349
Dividends and other receivables		—		—		—		—		—		—		—		—		—
Total assets		48,339,763		418,869		30,837,140		24,035,932		3,405,129		273,512		4,878,989		3,832,617		730,349
LIABILITIES AND CONTRACT OWNERS’ EQUITY
Liabilities - other payables		—		—		—		—		—		—		—		—		—
Contract owners’ equity	$	48,339,763		418,869		30,837,140		24,035,932		3,405,129		273,512		4,878,989		3,832,617		730,349
Accumulation period	$	48,292,190		418,869		30,786,885		23,987,920		3,405,129		273,512		4,878,989		3,832,617		730,349
Annuity period		47,573		—		50,255		48,012		—		—		—		—		—
Total Contract Owners’ Equity	$	48,339,763		418,869		30,837,140		24,035,932		3,405,129		273,512		4,878,989		3,832,617		730,349
Units Outstanding		522,816		14,049		629,131		467,886		107,430		19,100		183,738		107,853		27,256
Shares Owned in each Portfolio		721,274		11,900		654,300		713,232		250,009		25,658		480,215		181,641		27,426
Fair Value per Share	$	67.02		35.20		47.13		33.70		13.62		10.66		10.16		21.10		26.63

See accompanying notes to financial statements

9

ZALICO Variable Annuity Separate Account

Statement of Assets, Liabilities and Contract Owners’ Equity

December 31, 2018

	Oppenheimer												PIMCO		PIMCO		Voya		Voya
	Variable Account						Oppenheimer						Variable Insurance		Variable Insurance		Global Resources		Investors
	Funds						Variable Account Funds						Trust		Trust		Trust		Trust
			Oppenheimer										PIMCO PVIT						VY JPMorgan
	Oppenheimer		Discovery Mid				Oppenheimer				Oppenheimer		International Bond						Emerging Markets
	Capital		Cap Growth Fund		Oppenheimer		Global Strategic		Oppenheimer		Main Street Small		(U.S. Dollar-		PIMCO Low		Voya Global		Equity Portfolio
	Appreciation		S-S		Global Fund S-S		Income VA		Main Street		Cap Fund S-S		Hedged)		Duration ADM		Equity Portfolio		Class I
ASSETS
Investments in underlying portfolio funds, at fair value	$	1,302,139		953,386		15,702,750		3,146,379		3,338,384		6,507,023		11,726		29,741		2,795,909		4,026,680
Dividends and other receivables		—		—		—		—		—		—		—		—		—		—
Total assets		1,302,139		953,386		15,702,750		3,146,379		3,338,384		6,507,023		11,726		29,741		2,795,909		4,026,680
LIABILITIES AND CONTRACT OWNERS’ EQUITY
Liabilities - other payables		—		—		—		—		—		—		—		—		—		—
Contract owners’ equity	$	1,302,139		953,386		15,702,750		3,146,379		3,338,384		6,507,023		11,726		29,741		2,795,909		4,026,680
Accumulation period	$	1,302,139		953,386		15,702,750		3,146,379		3,338,384		6,507,023		11,726		29,741		2,793,991		3,974,854
Annuity period		—		—		—		—		—		—		—		—		1,918		51,826
Total Contract Owners’ Equity	$	1,302,139		953,386		15,702,750		3,146,379		3,338,384		6,507,023		11,726		29,741		2,795,909		4,026,680
Units Outstanding		54,863		35,495		474,712		191,542		129,164		184,435		567		1,990		237,154		158,660
Shares Owned in each Portfolio		27,253		14,802		418,405		655,496		125,929		324,864		1,082		2,950		289,431		226,218
Fair Value per Share	$	47.78		64.41		37.53		4.80		26.51		20.03		10.84		10.08		9.66		17.80

See accompanying notes to financial statements

10

ZALICO Variable Annuity Separate Account

Statement of Operations

For the year ended December 31, 2018

																American Century Variable Portfolios,			American Century Variable Portfolios,
	Alger Portfolios															Inc.			Inc.
																American Century
				Alger Capital			Alger Large Cap			Alger Mid Cap			Alger Small Cap			VP Income &			American Century						DWS Capital
	Alger Balanced			Appreciation			Growth I-2			Growth I-2			Growth I-2			Growth			VP Value			DWS Bond VIP A			Growth VIP A
	1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018
	to			to			to			to			to			to			to			to			to
	12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018
REVENUE
Dividend income	$	704,079			35,934			—			—			—			184,488			193,927			903,500			1,230,291
EXPENSES
Administrative, mortality and expense risk charges		245,872			607,091			148,708			132,147			91,439			130,232			159,116			280,065			2,374,851
Net investment income (loss)	$	458,207			(571,157	)		(148,708	)		(132,147	)		(91,439	)		54,256			34,811			623,435			(1,144,560	)
NET REALIZED AND UNREALIZED GAIN (LOSS) ON INVESTMENTS
Net realized gain (loss) on sale of investments	$	475,375			322,234			427,443			1,002,465			(116,743	)		450,334			1,327,817			(130,443	)		7,480,095
Capital gain distributions		2,201,187			6,877,829			1,855,841			1,280,582			277,507			721,377			759			—			15,638,814
Net realized gain (loss) on investments		2,676,562			7,200,063			2,283,284			2,283,047			160,764			1,171,711			1,328,576			(130,443	)		23,118,909
Change in unrealized appreciation (depreciation) of investments		(3,926,550	)		(7,288,470	)		(2,047,397	)		(2,899,880	)		(102,068	)		(1,961,975	)		(2,469,830	)		(1,344,346	)		(25,743,983	)
Net realized and unrealized gain (loss) on investments	$	(1,249,988	)		(88,407	)		235,887			(616,833	)		58,696			(790,264	)		(1,141,254	)		(1,474,789	)		(2,625,074	)
Net Increase (Decrease) in Contract Owners’ Equity Resulting from Operations	$	(791,781	)		(659,564	)		87,179			(748,980	)		(32,743	)		(736,008	)		(1,106,443	)		(851,354	)		(3,769,634	)

11

ZALICO Variable Annuity Separate Account

Statement of Operations

For the year ended December 31, 2018

	Deutsche Variable Series I															Deutsche Variable Series I
										DWS CROCI®			DWS CROCI®
	DWS Capital			DWS Core Equity			DWS Core Equity			International VIP			International VIP			DWS Global Small			DWS Global			DWS International			DWS International
	Growth VIP B			VIP A			VIP B			A			B			Cap VIP A			Equity A			Growth VIP A			Growth VIP B
	1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018
	to			to			to			to			to			to			to			to			to
	12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018
REVENUE
Dividend income	$	979			889,875			1,297			157,347			259			77,917			213,940			146,344			448
EXPENSES
Administrative, mortality and expense risk charges		3,911			706,417			1,573			208,506			623			393,434			389,834			209,759			1,041
Net investment income (loss)	$	(2,932	)		183,458			(276	)		(51,159	)		(364	)		(315,517	)		(175,894	)		(63,415	)		(593	)
NET REALIZED AND UNREALIZED GAIN (LOSS) ON INVESTMENTS
Net realized gain (loss) on sale of investments	$	2,658			1,718,017			4,252			(311,942	)		(447	)		(794,652	)		636,638			779,210			(72	)
Capital gain distributions		18,799			13,280,499			23,089			—			—			3,671,244			—			—			—
Net realized gain (loss) on investments		21,457			14,998,516			27,341			(311,942	)		(447	)		2,876,592			636,638			779,210			(72	)
Change in unrealized appreciation (depreciation) of investments		(25,543	)		(18,402,444	)		(33,597	)		(1,997,238	)		(4,762	)		(8,604,227	)		(3,881,723	)		(3,425,870	)		(11,087	)
Net realized and unrealized gain (loss) on investments	$	(4,086	)		(3,403,928	)		(6,256	)		(2,309,180	)		(5,209	)		(5,727,635	)		(3,245,085	)		(2,646,660	)		(11,159	)
Net Increase (Decrease) in Contract Owners’ Equity Resulting from Operations	$	(7,018	)		(3,220,470	)		(6,532	)		(2,360,339	)		(5,573	)		(6,043,152	)		(3,420,979	)		(2,710,075	)		(11,752	)

See accompanying notes to financial statements

12

ZALICO Variable Annuity Separate Account

Statement of Operations

For the year ended December 31, 2018

	Deutsche																					Deutsche
	Variable Series II																					Variable Series II
	DWS Global			DWS Government			DWS Government			DWS Government
	Income Builder			& Agency			& Agency			Money Market			DWS High Income			DWS High Income			DWS CROCI®			DWS CROCI®			DWS Small Mid
	VIP A			Securities VIP A			Securities VIP B			VIP A			VIP A			VIP B			U.S. VIP A			U.S. VIP B			Cap Growth VIP A
	1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018
	to			to			to			to			to			to			to			to			to
	12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018
REVENUE
Dividend income	$	3,687,757			487,914			2,437			340,537			3,431,006			706			2,278,151			3,316			—
EXPENSES
Administrative, mortality and expense risk charges		1,287,159			248,222			1,828			358,695			569,069			209			1,273,964			2,987			832,764
Net investment income (loss)	$	2,400,598			239,692			609			(18,158	)		2,861,937			497			1,004,187			329			(832,764	)
NET REALIZED AND UNREALIZED GAIN (LOSS) ON INVESTMENTS
Net realized gain (loss) on sale of investments	$	802,178			(251,637	)		(1,294	)		—			(461,400	)		(577	)		1,812,958			2,774			1,651,011
Capital gain distributions		8,929,537			—			—			—			—			—			6,522,753			10,830			19,472,475
Net realized gain (loss) on investments		9,731,715			(251,637	)		(1,294	)		—			(461,400	)		(577	)		8,335,711			13,604			21,123,486
Change in unrealized appreciation (depreciation) of investments		(20,543,256	)		(172,253	)		(1,033	)		—			(3,942,538	)		(350	)		(19,730,406	)		(33,201	)		(28,790,323	)
Net realized and unrealized gain (loss) on investments	$	(10,811,541	)		(423,890	)		(2,327	)		—			(4,403,938	)		(927	)		(11,394,695	)		(19,597	)		(7,666,837	)
Net Increase (Decrease) in Contract Owners’ Equity Resulting from Operations	$	(8,410,943	)		(184,198	)		(1,718	)		(18,158	)		(1,542,001	)		(430	)		(10,390,508	)		(19,268	)		(8,499,601	)

See accompanying notes to financial statements

13

ZALICO Variable Annuity Separate Account

Statement of Operations

For the year ended December 31, 2018

										Deutsche			Deutsche			Dreyfus						The Dreyfus			The Dreyfus
										Investments VIT			Investments VIT			Investment						Sustainable U.S.			Sustainable U.S.
										Funds			Funds			Portfolios						Equity Fund			Equity Fund
																						The Dreyfus			The Dreyfus
																						Sustainable U.S.			Sustainable U.S.
	DWS Small Mid			DWS Small Mid			DWS Multisector			DWS Equity 500			DWS Equity 500			Dreyfus I.P. Mid			Dreyfus I.P. Mid			Equity Portfolio,			Equity Portfolio,
	Cap Value VIP A			Cap Value VIP B			Income VIP A			Index VIP A			Index VIP B2			Cap Stock A			Cap Stock SC			Inc. I-S			Inc. S-S
	1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018
	to			to			to			to			to			to			to			to			to
	12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018
REVENUE
Dividend income	$	769,506			1,391			616,565			1,166,838			127			172,480			16,037			83,767			65
EXPENSES
Administrative, mortality and expense risk charges		779,258			2,668			120,130			986,531			119			414,313			62,760			63,633			78
Net investment income (loss)	$	(9,752	)		(1,277	)		496,435			180,307			8			(241,833	)		(46,723	)		20,134			(13	)
NET REALIZED AND UNREALIZED GAIN (LOSS) ON INVESTMENTS
Net realized gain (loss) on sale of investments	$	1,889,099			1,911			(299,405	)		1,443,382			1,978			279,673			51,965			(81,337	)		16
Capital gain distributions		9,939,213			24,588			—			6,030,296			848			3,536,539			555,454			886,029			805
Net realized gain (loss) on investments		11,828,312			26,499			(299,405	)		7,473,678			2,826			3,816,212			607,419			804,692			821
Change in unrealized appreciation (depreciation) of investments		(21,395,272	)		(50,718	)		(458,920	)		(11,572,508	)		(2,571	)		(8,388,189	)		(1,345,703	)		(1,052,082	)		(1,082	)
Net realized and unrealized gain (loss) on investments	$	(9,566,960	)		(24,219	)		(758,325	)		(4,098,830	)		255			(4,571,977	)		(738,284	)		(247,390	)		(261	)
Net Increase (Decrease) in Contract Owners’ Equity Resulting from Operations	$	(9,576,712	)		(25,496	)		(261,890	)		(3,918,523	)		263			(4,813,810	)		(785,007	)		(227,256	)		(274	)

See accompanying notes to financial statements

14

ZALICO Variable Annuity Separate Account

Statement of Operations

For the year ended December 31, 2018

	Fidelity									Fidelity									Franklin Templeton
	Variable Insurance Products Funds									Variable Insurance Products Funds									Variable Insurance Products Trust
																			Franklin Mutual			Franklin Mutual			Franklin Rising
	Fidelity VIP Asset			Fidelity VIP			Fidelity VIP			Fidelity VIP			Fidelity VIP Index			Fidelity VIP Index			Global Discovery			Shares VIP Fund			Dividends VIP
	Manager			Contrafund			Equity Income			Growth			500			500 - SC			VIP Fund CL 2			CL 2			Fund CL 2
	1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018
	to			to			to			to			to			to			to			to			to
	12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018
REVENUE
Dividend income	$	49,765			460,282			437,023			71,096			1,252,917			32,755			360,362			91,763			92,322
EXPENSES
Administrative, mortality and expense risk charges		41,119			875,917			268,310			398,905			922,182			32,541			209,237			51,943			97,062
Net investment income (loss)	$	8,646			(415,635	)		168,713			(327,809	)		330,735			214			151,125			39,820			(4,740	)
NET REALIZED AND UNREALIZED GAIN (LOSS) ON INVESTMENTS
Net realized gain (loss) on sale of investments	$	41,688			4,876,057			1,283,248			2,158,802			6,158,111			258,111			(83,718	)		151,681			143,391
Capital gain distributions		105,980			5,771,196			962,739			4,058,885			338,039			10,609			190,924			142,886			447,159
Net realized gain (loss) on investments		147,668			10,647,253			2,245,987			6,217,687			6,496,150			268,720			107,206			294,567			590,550
Change in unrealized appreciation (depreciation) of investments		(348,293	)		(14,724,233	)		(4,253,349	)		(6,159,013	)		(10,394,561	)		(376,872	)		(2,133,904	)		(718,016	)		(987,587	)
Net realized and unrealized gain (loss) on investments	$	(200,625	)		(4,076,980	)		(2,007,362	)		58,674			(3,898,411	)		(108,152	)		(2,026,698	)		(423,449	)		(397,037	)
Net Increase (Decrease) in Contract Owners’ Equity Resulting from Operations	$	(191,979	)		(4,492,615	)		(1,838,649	)		(269,135	)		(3,567,676	)		(107,938	)		(1,875,573	)		(383,629	)		(401,777	)

See accompanying notes to financial statements

15

ZALICO Variable Annuity Separate Account

Statement of Operations

For the year ended December 31, 2018

	Franklin Templeton
	Variable Insurance Products Trust												Invesco Variable Insurance Funds
	Franklin Small			Franklin Strategic			Franklin U.S. Government			Templeton Developing			Invesco V.I. Diversified						Invesco V.I.			Invesco V.I. Managed			Janus Henderson
	Cap Value VIP			Income VIP Fund			Securities VIP			Markets VIP Fund			Dividend Fund			Invesco V.I.			Global Real Estate			Volatility Fund			Balanced Portfolio
	Fund CL 2			CL 2			Fund CL 2			CL 2			Series I			Health Care Fund			Fund Series I			Series I			I-S
	1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018
	to			to			to			to			to			to			to			to			to
	12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018
REVENUE
Dividend income	$	44,757			130,076			32,454			27,405			20,496			—			145,003			155,681			1,444,436
EXPENSES
Administrative, mortality and expense risk charges		69,303			63,178			16,239			42,880			12,351			28,576			54,110			134,041			890,897
Net investment income (loss)	$	(24,546	)		66,898			16,215			(15,475	)		8,145			(28,576	)		90,893			21,640			553,539
NET REALIZED AND UNREALIZED GAIN (LOSS) ON INVESTMENTS
Net realized gain (loss) on sale of investments	$	(33,529	)		(56,304	)		(19,617	)		(8,087	)		38,963			(166,492	)		185,842			(65,527	)		2,323,316
Capital gain distributions		762,217			—			—			—			29,428			265,141			45,345			314,106			1,844,793
Net realized gain (loss) on investments		728,688			(56,304	)		(19,617	)		(8,087	)		68,391			98,649			231,187			248,579			4,168,109
Change in unrealized appreciation (depreciation) of investments		(1,386,914	)		(174,552	)		(8,563	)		(538,495	)		(154,005	)		(70,781	)		(619,077	)		(1,394,303	)		(4,961,096	)
Net realized and unrealized gain (loss) on investments	$	(658,226	)		(230,856	)		(28,180	)		(546,582	)		(85,614	)		27,868			(387,890	)		(1,145,724	)		(792,987	)
Net Increase (Decrease) in Contract Owners’ Equity Resulting from Operations	$	(682,772	)		(163,958	)		(11,965	)		(562,057	)		(77,469	)		(708	)		(296,997	)		(1,124,084	)		(239,448	)

See accompanying notes to financial statements

16

ZALICO Variable Annuity Separate Account

Statement of Operations

For the year ended December 31, 2018

	Janus						Janus									JPMorgan
	Henderson Series						Henderson Series									Insurance Trust
	Janus Henderson						Janus Henderson			Janus Henderson			Janus Henderson			JPMorgan			JPMorgan			JPMorgan			JPMorgan
	Enterprise			Janus Henderson			Global Research			Research Portfolio			Mid Cap Value			Insurance Trust			Insurance Trust			Insurance Trust			Insurance Trust
	Portfolio I-S			Forty Portfolio I-S			Portfolio I-S			I-S			Portfolio S-S			Core Bond			Mid Cap Value			Small Cap Core			US Equity
	1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018
	to			to			to			to			to			to			to			to			to
	12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018
REVENUE
Dividend income	$	131,395			4,397			400,958			151,346			35,790			7,625			56,197			17,490			8,519
EXPENSES
Administrative, mortality and expense risk charges		733,128			5,788			477,546			372,377			54,817			4,425			77,795			63,121			12,702
Net investment income (loss)	$	(601,733	)		(1,391	)		(76,588	)		(221,031	)		(19,027	)		3,200			(21,598	)		(45,631	)		(4,183	)
NET REALIZED AND UNREALIZED GAIN (LOSS) ON INVESTMENTS
Net realized gain (loss) on sale of investments	$	3,618,623			(720	)		2,065,621			1,407,942			44,930			(6,674	)		320,068			179,901			51,437
Capital gain distributions		2,570,793			47,242			—			1,340,274			355,946			520			93,935			300,088			121,034
Net realized gain (loss) on investments		6,189,416			46,522			2,065,621			2,748,216			400,876			(6,154	)		414,003			479,989			172,471
Change in unrealized appreciation (depreciation) of investments		(6,053,326	)		(41,574	)		(4,665,497	)		(3,365,221	)		(982,496	)		(2,336	)		(1,127,991	)		(1,009,994	)		(218,917	)
Net realized and unrealized gain (loss) on investments	$	136,090			4,948			(2,599,876	)		(617,005	)		(581,620	)		(8,490	)		(713,988	)		(530,005	)		(46,446	)
Net Increase (Decrease) in Contract Owners’ Equity Resulting from Operations	$	(465,643	)		3,557			(2,676,464	)		(838,036	)		(600,647	)		(5,290	)		(735,586	)		(575,636	)		(50,629	)

See accompanying notes to financial statements

17

ZALICO Variable Annuity Separate Account

Statement of Operations

For the year ended December 31, 2018

																			PIMCO			PIMCO			Voya			Voya
	Oppenheimer																		Variable Insurance			Variable Insurance			Global Resources			Investors
	Variable Account Funds																		Trust			Trust			Trust			Trust
				Oppenheimer															PIMCO PVIT									VY JPMorgan
	Oppenheimer			Discovery Mid						Oppenheimer						Oppenheimer			International Bond									Emerging Markets
	Capital			Cap Growth Fund			Oppenheimer			Global Strategic			Oppenheimer			Main Street Small			(U.S. Dollar-			PIMCO Low			Voya Global			Equity Portfolio
	Appreciation			S-S			Global Fund S-S			Income VA			Main Street			Cap Fund S-S			Hedged)			Duration ADM			Equity Portfolio			Class I
	1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018
	to			to			to			to			to			to			to			to			to			to
	12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018
REVENUE
Dividend income	$	—			—			147,998			159,283			35,361			4,707			185			677			146,375			38,824
EXPENSES
Administrative, mortality and expense risk charges		21,884			17,319			259,320			47,351			53,259			109,474			210			507			44,522			61,382
Net investment income (loss)	$	(21,884	)		(17,319	)		(111,322	)		111,932			(17,898	)		(104,767	)		(25	)		170			101,853			(22,558	)
NET REALIZED AND UNREALIZED GAIN (LOSS) ON INVESTMENTS
Net realized gain (loss) on sale of investments	$	17,935			10,122			1,344,269			(95,317	)		248,441			127,730			11			(212	)		94,455			(60,125	)
Capital gain distributions		123,824			191,232			1,380,358			—			344,575			1,027,414			45			—			—			—
Net realized gain (loss) on investments		141,759			201,354			2,724,627			(95,317	)		593,016			1,155,144			56			(212	)		94,455			(60,125	)
Change in unrealized appreciation (depreciation) of investments		(219,029	)		(261,752	)		(5,298,304	)		(224,228	)		(921,260	)		(1,885,315	)		59			(350	)		(516,114	)		(793,166	)
Net realized and unrealized gain (loss) on investments	$	(77,270	)		(60,398	)		(2,573,677	)		(319,545	)		(328,244	)		(730,171	)		115			(562	)		(421,659	)		(853,291	)
Net Increase (Decrease) in Contract Owners’ Equity Resulting from Operations	$	(99,154	)		(77,717	)		(2,684,999	)		(207,613	)		(346,142	)		(834,938	)		90			(392	)		(319,806	)		(875,849	)

See accompanying notes to financial statements

18

ZALICO Variable Annuity Separate Account

Statement of Changes in Contract Owners’ Equity

For the year ended December 31, 2018

																American Century			American Century
																Variable Portfolios,			Variable Portfolios,
	Alger Portfolios															Inc.			Inc.
																American Century
				Alger Capital			Alger Large Cap			Alger Mid Cap			Alger Small Cap			VP Income &			American Century						DWS Capital
	Alger Balanced			Appreciation			Growth I-2			Growth I-2			Growth I-2			Growth			VP Value			DWS Bond VIP A			Growth VIP A
	1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018
	to			to			to			to			to			to			to			to			to
	12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018
OPERATIONS
Net investment income (loss)	$	458,207			(571,157	)		(148,708	)		(132,147	)		(91,439	)		54,256			34,811			623,435			(1,144,560	)
Net realized gain (loss) on investments		2,676,562			7,200,063			2,283,284			2,283,047			160,764			1,171,711			1,328,576			(130,443	)		23,118,909
Change in unrealized appreciation (depreciation) of investments		(3,926,550	)		(7,288,470	)		(2,047,397	)		(2,899,880	)		(102,068	)		(1,961,975	)		(2,469,830	)		(1,344,346	)		(25,743,983	)
Net increase (decrease) in contract owners’ equity resulting from operations		(791,781	)		(659,564	)		87,179			(748,980	)		(32,743	)		(736,008	)		(1,106,443	)		(851,354	)		(3,769,634	)
CONTRACT OWNERS’ EQUITY TRANSACTIONS
Proceeds from sales		—			120			107,670			127,947			72,764			179,407			151,111			164,736			228,284
Net transfer (to) from affiliate and subaccounts		582,094			1,706,725			731,890			168,323			579,519			(129,267	)		(811,450	)		(427,660	)		(1,413,564	)
Payments for redemptions		(959,326	)		(1,952,630	)		(1,016,351	)		(1,221,300	)		(523,170	)		(804,619	)		(1,378,907	)		(2,114,259	)		(13,375,334	)
Guaranteed retirement income benefit, maintenance fees, and other fees		(40,435	)		(103,654	)		—			—			—			—			—			(28,680	)		(238,453	)
Annuity payout reserve adjustment		—			—			(314	)		—			(1	)		—			177			887			61,285
Net increase (decrease) from contract owners’ equity transactions		(417,667	)		(349,439	)		(177,105	)		(925,030	)		129,112			(754,479	)		(2,039,069	)		(2,404,976	)		(14,737,782	)
Total increase (decrease) in contract owners’ equity		(1,209,448	)		(1,009,003	)		(89,926	)		(1,674,010	)		96,369			(1,490,487	)		(3,145,512	)		(3,256,330	)		(18,507,416	)
CONTRACT OWNERS’ EQUITY
Beginning of period		17,393,325			39,626,143			10,064,918			9,663,220			6,205,368			9,922,363			12,955,851			22,244,947			168,621,180
End of period	$	16,183,877			38,617,140			9,974,992			7,989,210			6,301,737			8,431,876			9,810,339			18,988,617			150,113,764

See accompanying notes to financial statements

19

ZALICO Variable Annuity Separate Account

Statement of Changes in Contract Owners’ Equity

For the year ended December 31, 2018

	Deutsche									Deutsche
	Variable Series I									Variable Series I
										DWS CROCI®			DWS CROCI®
	DWS Capital			DWS Core Equity			DWS Core Equity			International VIP			International VIP			DWS Global Small			DWS Global			DWS International			DWS International
	Growth VIP B			VIP A			VIP B			A			B			Cap VIP A			Equity A			Growth VIP A			Growth VIP B
	1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018
	to			to			to			to			to			to			to			to			to
	12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018
OPERATIONS
Net investment income (loss)	$	(2,932	)		183,458			(276	)		(51,159	)		(364	)		(315,517	)		(175,894	)		(63,415	)		(593	)
Net realized gain (loss) on investments		21,457			14,998,516			27,341			(311,942	)		(447	)		2,876,592			636,638			779,210			(72	)
Change in unrealized appreciation (depreciation) of investments		(25,543	)		(18,402,444	)		(33,597	)		(1,997,238	)		(4,762	)		(8,604,227	)		(3,881,723	)		(3,425,870	)		(11,087	)
Net increase (decrease) in contract owners’ equity resulting from operations		(7,018	)		(3,220,470	)		(6,532	)		(2,360,339	)		(5,573	)		(6,043,152	)		(3,420,979	)		(2,710,075	)		(11,752	)
CONTRACT OWNERS’ EQUITY TRANSACTIONS
Proceeds from sales		—			18,185			540			25,932			—			300			32,953			—			721
Net transfer (to) from affiliate and subaccounts		(10	)		139,198			239			(636,720	)		—			792			305,038			(167,438	)		—
Payments for redemptions		(2,834	)		(3,828,887	)		(8,548	)		(912,907	)		(6	)		(1,428,471	)		(2,440,692	)		(695,812	)		—
Guaranteed retirement income benefit, maintenance fees, and other fees		—			(98,920	)		—			(30,152	)		—			(64,179	)		(33,216	)		(35,008	)		—
Annuity payout reserve adjustment		—			414			—			860			—			—			1,545			—			—
Net increase (decrease) from contract owners’ equity transactions		(2,844	)		(3,770,010	)		(7,769	)		(1,552,987	)		(6	)		(1,491,558	)		(2,134,372	)		(898,258	)		721
Total increase (decrease) in contract owners’ equity		(9,862	)		(6,990,480	)		(14,301	)		(3,913,326	)		(5,579	)		(7,534,710	)		(5,555,351	)		(3,608,333	)		(11,031	)
CONTRACT OWNERS’ EQUITY
Beginning of period		196,556			50,549,590			93,420			16,335,726			34,464			29,452,543			29,891,348			15,864,654			63,350
End of period	$	186,694			43,559,110			79,119			12,422,400			28,885			21,917,833			24,335,997			12,256,321			52,319

See accompanying notes to financial statements

20

ZALICO Variable Annuity Separate Account

Statement of Changes in Contract Owners’ Equity

For the year ended December 31, 2018

	Deutsche																					Deutsche
	Variable Series II																					Variable Series II
	DWS Global			DWS Government			DWS Government			DWS Government
	Income Builder			& Agency			& Agency			Money Market			DWS High Income			DWS High Income			DWS CROCI®			DWS CROCI®			DWS Small Mid
	VIP A			Securities VIP A			Securities VIP B			VIP A			VIP A			VIP B			U.S. VIP A			U.S. VIP B			Cap Growth VIP A
	1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018
	to			to			to			to			to			to			to			to			to
	12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018
OPERATIONS
Net investment income (loss)	$	2,400,598			239,692			609			(18,158	)		2,861,937			497			1,004,187			329			(832,764	)
Net realized gain (loss) on investments		9,731,715			(251,637	)		(1,294	)		—			(461,400	)		(577	)		8,335,711			13,604			21,123,486
Change in unrealized appreciation (depreciation) of investments		(20,543,256	)		(172,253	)		(1,033	)		—			(3,942,538	)		(350	)		(19,730,406	)		(33,201	)		(28,790,323	)
Net increase (decrease) in contract owners’ equity resulting from operations		(8,410,943	)		(184,198	)		(1,718	)		(18,158	)		(1,542,001	)		(430	)		(10,390,508	)		(19,268	)		(8,499,601	)
CONTRACT OWNERS’ EQUITY TRANSACTIONS
Proceeds from sales		488,215			55,582			1,260			163,284			148,752			—			128,717			—			190,298
Net transfer (to) from affiliate and subaccounts		(1,453,847	)		(665,886	)		130			3,443,880			(1,810,271	)		74			(2,595,858	)		31			1,850,425
Payments for redemptions		(10,508,535	)		(1,841,181	)		(8,030	)		(5,303,483	)		(4,405,028	)		(7,040	)		(5,796,955	)		(9,612	)		(4,094,675	)
Guaranteed retirement income benefit, maintenance fees, and other fees		(26,597	)		(23,475	)		—			(28,487	)		(29,004	)		—			(181,372	)		—			(91,971	)
Annuity payout reserve adjustment		22,591			6,510			—			(2,500	)		14,606			—			2,012			—			216
Net increase (decrease) from contract owners’ equity transactions		(11,478,173	)		(2,468,450	)		(6,640	)		(1,727,306	)		(6,080,945	)		(6,966	)		(8,443,456	)		(9,581	)		(2,145,707	)
Total increase (decrease) in contract owners’ equity		(19,889,116	)		(2,652,648	)		(8,358	)		(1,745,464	)		(7,622,946	)		(7,396	)		(18,833,964	)		(28,849	)		(10,645,308	)
CONTRACT OWNERS’ EQUITY
Beginning of period		103,314,563			19,112,877			110,659			28,320,518			44,753,732			15,622			96,051,751			163,755			59,223,059
End of period	$	83,425,447			16,460,229			102,301			26,575,055			37,130,786			8,226			77,217,787			134,906			48,577,751

See accompanying notes to financial statements

21

ZALICO Variable Annuity Separate Account

Statement of Changes in Contract Owners’ Equity

For the year ended December 31, 2018

										Deutsche			Deutsche			Dreyfus						The Dreyfus			The Dreyfus
										Investments VIT			Investments VIT			Investment						Sustainable U.S.			Sustainable U.S.
										Funds			Funds			Portfolios						Equity Fund			Equity Fund
																						The Dreyfus			The Dreyfus
																						Sustainable U.S.			Sustainable U.S.
	DWS Small Mid			DWS Small Mid			DWS Multisector			DWS Equity 500			DWS Equity 500			Dreyfus I.P. Mid			Dreyfus I.P. Mid			Equity Portfolio,			Equity Portfolio,
	Cap Value VIP A			Cap Value VIP B			Income VIP A			Index VIP A			Index VIP B2			Cap Stock A			Cap Stock SC			Inc. I-S			Inc. S-S
	1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018
	to			to			to			to			to			to			to			to			to
	12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018
OPERATIONS
Net investment income (loss)	$	(9,752	)		(1,277	)		496,435			180,307			8			(241,833	)		(46,723	)		20,134			(13	)
Net realized gain (loss) on investments		11,828,312			26,499			(299,405	)		7,473,678			2,826			3,816,212			607,419			804,692			821
Change in unrealized appreciation (depreciation) of investments		(21,395,272	)		(50,718	)		(458,920	)		(11,572,508	)		(2,571	)		(8,388,189	)		(1,345,703	)		(1,052,082	)		(1,082	)
Net increase (decrease) in contract owners’ equity resulting from operations		(9,576,712	)		(25,496	)		(261,890	)		(3,918,523	)		263			(4,813,810	)		(785,007	)		(227,256	)		(274	)
CONTRACT OWNERS’ EQUITY TRANSACTIONS
Proceeds from sales		255,952			—			—			5,750			—			5,985			137,942			20,249			—
Net transfer (to) from affiliate and subaccounts		(1,196,040	)		(17	)		(133,059	)		339,355			221			(1,343,585	)		(85,127	)		(451,432	)		55
Payments for redemptions		(4,527,414	)		(3,760	)		(820,294	)		(4,779,601	)		(8,585	)		(1,693,235	)		(407,768	)		(228,012	)		—
Guaranteed retirement income benefit, maintenance fees, and other fees		(79,303	)		—			(18,252	)		(169,585	)		—			(69,265	)		—			(4,746	)		—
Annuity payout reserve adjustment		1,647			—			—			—			—			—			—			—			—
Net increase (decrease) from contract owners’ equity transactions		(5,545,158	)		(3,777	)		(971,605	)		(4,604,081	)		(8,364	)		(3,100,100	)		(354,953	)		(663,941	)		55
Total increase (decrease) in contract owners’ equity		(15,121,870	)		(29,273	)		(1,233,495	)		(8,522,604	)		(8,101	)		(7,913,910	)		(1,139,960	)		(891,197	)		(219	)
CONTRACT OWNERS’ EQUITY
Beginning of period		60,980,212			145,781			9,252,049			71,086,749			9,507			31,658,693			4,986,672			4,815,044			4,249
End of period	$	45,858,342			116,508			8,018,554			62,564,145			1,406			23,744,783			3,846,712			3,923,847			4,030

See accompanying notes to financial statements

22

ZALICO Variable Annuity Separate Account

Statement of Changes in Contract Owners’ Equity

For the year ended December 31, 2018

	Fidelity									Fidelity									Franklin Templeton
	Variable Insurance Products Funds									Variable Insurance Products Funds									Variable Insurance Products
																			Franklin Mutual			Franklin Mutual			Franklin Rising
	Fidelity VIP Asset			Fidelity VIP			Fidelity VIP			Fidelity VIP			Fidelity VIP Index			Fidelity VIP Index			Global Discovery			Shares VIP Fund			Dividends VIP
	Manager			Contrafund			Equity Income			Growth			500			500 - SC			VIP Fund CL 2			CL 2			Fund CL 2
	1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018
	to			to			to			to			to			to			to			to			to
	12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018
OPERATIONS
Net investment income (loss)	$	8,646			(415,635	)		168,713			(327,809	)		330,735			214			151,125			39,820			(4,740	)
Net realized gain (loss) on investments		147,668			10,647,253			2,245,987			6,217,687			6,496,150			268,720			107,206			294,567			590,550
Change in unrealized appreciation (depreciation) of investments		(348,293	)		(14,724,233	)		(4,253,349	)		(6,159,013	)		(10,394,561	)		(376,872	)		(2,133,904	)		(718,016	)		(987,587	)
Net increase (decrease) in contract owners’ equity resulting from operations		(191,979	)		(4,492,615	)		(1,838,649	)		(269,135	)		(3,567,676	)		(107,938	)		(1,875,573	)		(383,629	)		(401,777	)
CONTRACT OWNERS’ EQUITY TRANSACTIONS
Proceeds from sales		15,255			1,053,004			188,712			544,977			869,816			10,730			326,620			70,410			92,968
Net transfer (to) from affiliate and subaccounts		(263,637	)		(1,043,753	)		(692,539	)		618,993			(2,467,063	)		(47,702	)		(766,005	)		256,569			(106,821	)
Payments for redemptions		(317,698	)		(6,772,431	)		(2,416,455	)		(2,949,383	)		(6,440,507	)		(356,760	)		(1,757,668	)		(611,337	)		(823,878	)
Guaranteed retirement income benefit, maintenance fees, and other fees		—			—			—			—			—			—			—			—			—
Annuity payout reserve adjustment		—			6,857			(9,268	)		957			3,061			—			791			—			1,589
Net increase (decrease) from contract owners’ equity transactions		(566,080	)		(6,756,323	)		(2,929,550	)		(1,784,456	)		(8,034,693	)		(393,732	)		(2,196,262	)		(284,358	)		(836,142	)
Total increase (decrease) in contract owners’ equity		(758,059	)		(11,248,938	)		(4,768,199	)		(2,053,591	)		(11,602,369	)		(501,670	)		(4,071,835	)		(667,987	)		(1,237,919	)
CONTRACT OWNERS’ EQUITY
Beginning of period		3,460,939			68,006,595			21,870,629			28,108,214			71,514,162			2,379,415			17,322,165			4,031,418			7,790,076
End of period	$	2,702,880			56,757,657			17,102,430			26,054,623			59,911,793			1,877,745			13,250,330			3,363,431			6,552,157

See accompanying notes to financial statements

23

ZALICO Variable Annuity Separate Account

Statement of Changes in Contract Owners’ Equity

For the year ended December 31, 2018

	Franklin Templeton
	Variable Insurance Products Trust												Invesco Variable Insurance Funds
							Franklin U.S.			Templeton			Invesco V.I.									Invesco V.I.
	Franklin Small			Franklin Strategic			Government			Developing			Diversified						Invesco V.I.			Managed			Janus Henderson
	Cap Value VIP			Income VIP Fund			Securities VIP			Markets VIP Fund			Dividend Fund			Invesco V.I.			Global Real Estate			Volatility Fund			Balanced Portfolio
	Fund CL 2			CL 2			Fund CL 2			CL 2			Series I			Health Care Fund			Fund Series I			Series I			I-S
	1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018
	to			to			to			to			to			to			to			to			to
	12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018
OPERATIONS
Net investment income (loss)	$	(24,546	)		66,898			16,215			(15,475	)		8,145			(28,576	)		90,893			21,640			553,539
Net realized gain (loss) on investments		728,688			(56,304	)		(19,617	)		(8,087	)		68,391			98,649			231,187			248,579			4,168,109
Change in unrealized appreciation (depreciation) of investments		(1,386,914	)		(174,552	)		(8,563	)		(538,495	)		(154,005	)		(70,781	)		(619,077	)		(1,394,303	)		(4,961,096	)
Net increase (decrease) in contract owners’ equity resulting from operations		(682,772	)		(163,958	)		(11,965	)		(562,057	)		(77,469	)		(708	)		(296,997	)		(1,124,084	)		(239,448	)
CONTRACT OWNERS’ EQUITY TRANSACTIONS
Proceeds from sales		81,301			84,055			19,685			68,901			5,804			28,669			53,473			19,153			596,169
Net transfer (to) from affiliate and subaccounts		(87,128	)		(403,723	)		(213,808	)		(172,799	)		(14,548	)		(31,930	)		(189,662	)		(676,091	)		1,076,362
Payments for redemptions		(480,179	)		(513,964	)		(37,580	)		(434,712	)		(220,197	)		(202,646	)		(504,446	)		(947,086	)		(6,872,394	)
Guaranteed retirement income benefit, maintenance fees, and other fees		—			—			—			(3	)		—			—			—			(15,971	)		—
Annuity payout reserve adjustment		—			555			—			681			—			—			—			—			14,056
Net increase (decrease) from contract owners’ equity transactions		(486,006	)		(833,077	)		(231,703	)		(537,932	)		(228,941	)		(205,907	)		(640,635	)		(1,619,995	)		(5,185,807	)
Total increase (decrease) in contract owners’ equity		(1,168,778	)		(997,035	)		(243,668	)		(1,099,989	)		(306,410	)		(206,615	)		(937,632	)		(2,744,079	)		(5,425,255	)
CONTRACT OWNERS’ EQUITY
Beginning of period		5,349,576			5,220,460			1,441,666			3,702,409			1,079,975			2,162,475			4,537,796			10,560,682			67,810,794
End of period	$	4,180,798			4,223,425			1,197,998			2,602,420			773,565			1,955,860			3,600,164			7,816,603			62,385,539

See accompanying notes to financial statements

24

ZALICO Variable Annuity Separate Account

Statement of Changes in Contract Owners’ Equity

For the year ended December 31, 2018

	Janus									Janus						JPMorgan
	Henderson Series									Henderson Series						Insurance Trust
	Janus Henderson						Janus Henderson			Janus Henderson			Janus Henderson			JPMorgan			JPMorgan			JPMorgan			JPMorgan
	Enterprise			Janus Henderson			Global Research			Research Portfolio			Mid Cap Value			Insurance Trust			Insurance Trust			Insurance Trust			Insurance Trust
	Portfolio I-S			Forty Portfolio I-S			Portfolio I-S			I-S			Portfolio S-S			Core Bond			Mid Cap Value			Small Cap Core			US Equity
	1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018
	to			to			to			to			to			to			to			to			to
	12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018
OPERATIONS
Net investment income (loss)	$	(601,733	)		(1,391	)		(76,588	)		(221,031	)		(19,027	)		3,200			(21,598	)		(45,631	)		(4,183	)
Net realized gain (loss) on investments		6,189,416			46,522			2,065,621			2,748,216			400,876			(6,154	)		414,003			479,989			172,471
Change in unrealized appreciation (depreciation) of investments		(6,053,326	)		(41,574	)		(4,665,497	)		(3,365,221	)		(982,496	)		(2,336	)		(1,127,991	)		(1,009,994	)		(218,917	)
Net increase (decrease) in contract owners’ equity resulting from operations		(465,643	)		3,557			(2,676,464	)		(838,036	)		(600,647	)		(5,290	)		(735,586	)		(575,636	)		(50,629	)
CONTRACT OWNERS’ EQUITY TRANSACTIONS
Proceeds from sales		390,722			—			364,267			207,676			55,725			5,106			65,209			78,087			12,615
Net transfer (to) from affiliate and subaccounts		(299,335	)		67,002			(194,730	)		(142,177	)		(94,350	)		(917	)		2,718			117,798			30,415
Payments for redemptions		(5,822,959	)		(4,939	)		(3,076,127	)		(2,694,938	)		(278,769	)		(59,672	)		(730,707	)		(404,056	)		(337,222	)
Guaranteed retirement income benefit, maintenance fees, and other fees		—			(107	)		—			—			—			—			—			—			—
Annuity payout reserve adjustment		1,369			—			1,020			1,815			—			—			—			(10,670	)		—
Net increase (decrease) from contract owners’ equity transactions		(5,730,203	)		61,956			(2,905,570	)		(2,627,624	)		(317,394	)		(55,483	)		(662,780	)		(218,841	)		(294,192	)
Total increase (decrease) in contract owners’ equity		(6,195,846	)		65,513			(5,582,034	)		(3,465,660	)		(918,041	)		(60,773	)		(1,398,366	)		(794,477	)		(344,821	)
CONTRACT OWNERS’ EQUITY
Beginning of period		54,535,609			353,356			36,419,174			27,501,592			4,323,170			334,285			6,277,355			4,627,094			1,075,170
End of period	$	48,339,763			418,869			30,837,140			24,035,932			3,405,129			273,512			4,878,989			3,832,617			730,349

See accompanying notes to financial statements

25

ZALICO Variable Annuity Separate Account

Statement of Changes in Contract Owners’ Equity

For the year ended December 31, 2018

																			PIMCO			PIMCO			Voya			Voya
	Oppenheimer																		Variable Insurance			Variable Insurance			Global Resources			Investors
	Variable Account Funds																		Trust			Trust			Trust			Trust
				Oppenheimer															PIMCO PVIT									VY JPMorgan
	Oppenheimer			Discovery Mid						Oppenheimer						Oppenheimer			International Bond									Emerging Markets
	Capital			Cap Growth Fund			Oppenheimer			Global Strategic			Oppenheimer			Main Street Small			(U.S. Dollar-			PIMCO Low			Voya Global			Equity Portfolio
	Appreciation			S-S			Global Fund S-S			Income VA			Main Street			Cap Fund S-S			Hedged)			Duration ADM			Equity Portfolio			Class I
	1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018			1/1/2018
	to			to			to			to			to			to			to			to			to			to
	12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018			12/31/2018
OPERATIONS
Net investment income (loss)	$	(21,884	)		(17,319	)		(111,322	)		111,932			(17,898	)		(104,767	)		(25	)		170			101,853			(22,558	)
Net realized gain (loss) on investments		141,759			201,354			2,724,627			(95,317	)		593,016			1,155,144			56			(212	)		94,455			(60,125	)
Change in unrealized appreciation (depreciation) of investments		(219,029	)		(261,752	)		(5,298,304	)		(224,228	)		(921,260	)		(1,885,315	)		59			(350	)		(516,114	)		(793,166	)
Net increase (decrease) in contract owners’ equity resulting from operations		(99,154	)		(77,717	)		(2,684,999	)		(207,613	)		(346,142	)		(834,938	)		90			(392	)		(319,806	)		(875,849	)
CONTRACT OWNERS’ EQUITY TRANSACTIONS
Proceeds from sales		16,069			18,859			301,887			72,200			49,253			137,105			—			—			37,427			28,712
Net transfer (to) from affiliate and subaccounts		(15,225	)		(92,834	)		77,441			(89,481	)		(125,569	)		(149,025	)		(2,975	)		(6,105	)		(106,566	)		141,519
Payments for redemptions		(303,248	)		(236,747	)		(2,314,782	)		(546,259	)		(412,422	)		(1,014,177	)		(1	)		—			(508,264	)		(378,208	)
Guaranteed retirement income benefit, maintenance fees, and other fees		—			—			—			—			—			—			(4	)		(14	)		—			—
Annuity payout reserve adjustment		—			—			—			—			—			—			—			—			404			1,017
Net increase (decrease) from contract owners’ equity transactions		(302,404	)		(310,722	)		(1,935,454	)		(563,540	)		(488,738	)		(1,026,097	)		(2,980	)		(6,119	)		(576,999	)		(206,960	)
Total increase (decrease) in contract owners’ equity		(401,558	)		(388,439	)		(4,620,453	)		(771,153	)		(834,880	)		(1,861,035	)		(2,890	)		(6,511	)		(896,805	)		(1,082,809	)
CONTRACT OWNERS’ EQUITY
Beginning of period		1,703,697			1,341,825			20,323,203			3,917,532			4,173,264			8,368,058			14,616			36,252			3,692,714			5,109,489
End of period	$	1,302,139			953,386			15,702,750			3,146,379			3,338,384			6,507,023			11,726			29,741			2,795,909			4,026,680

See accompanying notes to financial statements

26

ZALICO Variable Annuity Separate Account

Statement of Changes in Contract Owners’ Equity

For the year ended December 31, 2017

																American Century			American Century
																Variable Portfolios,			Variable
	Alger Portfolios															Inc.			Portfolios, Inc.
																American Century
				Alger Capital			Alger Large Cap			Alger Mid Cap			Alger Small Cap			VP Income &			American Century						DWS Capital			DWS Capital
	Alger Balanced			Appreciation			Growth I-2			Growth I-2			Growth I-2			Growth			VP Value			DWS Bond VIP A			Growth VIP A			Growth VIP B
	1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017
	to			to			to			to			to			to			to			to			to			to
	12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017
OPERATIONS
Net investment income (loss)	$	181,649			(738,129	)		(129,356	)		(120,459	)		(78,465	)		96,181			38,232			299,848			(1,177,149	)		(2,561	)
Net realized gain (loss) on investments		2,715,056			9,194,551			1,540,603			736,285			(455,558	)		870,575			1,297,209			42,392			34,109,768			16,339
Change in unrealized appreciation (depreciation) of investments		(186,015	)		6,340,603			843,550			1,570,468			1,950,852			692,598			(433,053	)		808,618			8,460,056			24,173
Net increase (decrease) in contract owners’ equity resulting from operations		2,710,690			14,797,025			2,254,797			2,186,294			1,416,829			1,659,354			902,388			1,150,858			41,392,675			37,951
CONTRACT OWNERS’ EQUITY TRANSACTIONS
Proceeds from sales		100			8,190			298,239			226,983			93,886			173,063			544,930			126,653			352,823			—
Net transfer (to) from affiliate and subaccounts		(13,831	)		(10,991,931	)		(170,187	)		226,552			(299,691	)		(78,375	)		(198,972	)		673,390			(8,570,425	)		(2	)
Payments for redemptions		(6,800,632	)		(21,603,314	)		(1,049,765	)		(879,600	)		(523,486	)		(1,410,334	)		(2,008,777	)		(7,392,401	)		(48,766,026	)		(4,022	)
Guaranteed retirement income benefit, maintenance fees, and other fees		(48,569	)		(128,487	)		—			—			—			—			—			(37,401	)		(274,802	)		—
Annuity payout reserve adjustment		—			—			311			—			—			—			25			134			(3,621	)		—
Net increase (decrease) from contract owners’ equity transactions		(6,862,932	)		(32,715,542	)		(921,402	)		(426,065	)		(729,291	)		(1,315,646	)		(1,662,794	)		(6,629,625	)		(57,262,051	)		(4,024	)
Total increase (decrease) in contract owners’ equity		(4,152,242	)		(17,918,517	)		1,333,395			1,760,229			687,538			343,708			(760,406	)		(5,478,767	)		(15,869,376	)		33,927
CONTRACT OWNERS’ EQUITY
Beginning of period		21,545,569			57,544,661			8,731,523			7,902,992			5,517,830			9,578,655			13,716,256			27,723,713			184,490,555			162,622
End of period	$	17,393,325			39,626,143			10,064,918			9,663,220			6,205,368			9,922,363			12,955,851			22,244,947			168,621,180			196,556

See accompanying notes to financial statements

27

ZALICO Variable Annuity Separate Account

Statement of Changes in Contract Owners’ Equity

For the year ended December 31, 2017

	Deutsche												Deutsche												Deutsche
	Variable Series I												Variable Series I												Variable Series II
							DWS CROCI®			DWS CROCI®															DWS Global			DWS Government
	DWS Core Equity			DWS Core Equity			International VIP			International VIP			DWS Global			DWS Global			DWS International			DWS International			Income Builder			& Agency
	VIP A			VIP B			A			B			Small Cap VIP A			Equity VIP A			Growth VIP A			Growth VIP B			VIP A			Securities VIP A
	1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017
	to			to			to			to			to			to			to			to			to			to
	12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017
OPERATIONS
Net investment income (loss)	$	(80,302	)		(714	)		1,214,049			1,540			(491,959	)		(277,616	)		(182,564	)		(891	)		1,838,375			321,200
Net realized gain (loss) on investments		12,119,507			5,981			(1,193,136	)		(449	)		1,249,947			2,303,135			2,511,904			(99	)		2,552,798			(905,885	)
Change in unrealized appreciation (depreciation) of investments		(1,998,002	)		9,019			3,695,930			4,534			5,065,993			4,636,166			1,550,753			12,254			10,368,845			687,846
Net increase (decrease) in contract owners’ equity resulting from operations		10,041,203			14,286			3,716,843			5,625			5,823,981			6,661,685			3,880,093			11,264			14,760,018			103,161
CONTRACT OWNERS’ EQUITY TRANSACTIONS
Proceeds from sales		77,077			3,600			6,049			—			8,300			59,962			300			4,201			302,425			104,393
Net transfer (to) from affiliate and subaccounts		(1,038,161	)		457			958,419			—			(2,739,395	)		(742,783	)		(89,834	)		600			(903,643	)		136,805
Payments for redemptions		(17,072,473	)		—			(8,019,978	)		(10	)		(10,262,139	)		(7,884,942	)		(5,699,139	)		—			(16,671,053	)		(8,782,174	)
Guaranteed retirement income benefit, maintenance fees, and other fees		(112,860	)		—			(41,863	)		—			(79,566	)		(41,434	)		(42,350	)		—			(33,268	)		(33,270	)
Annuity payout reserve adjustment		44			—			15			—			—			(9,829	)		—			—			(26,531	)		984
Net increase (decrease) from contract owners’ equity transactions		(18,146,373	)		4,057			(7,097,358	)		(10	)		(13,072,800	)		(8,619,026	)		(5,831,023	)		4,801			(17,332,070	)		(8,573,262	)
Total increase (decrease) in contract owners’ equity		(8,105,170	)		18,343			(3,380,515	)		5,615			(7,248,819	)		(1,957,341	)		(1,950,930	)		16,065			(2,572,052	)		(8,470,101	)
CONTRACT OWNERS’ EQUITY
Beginning of period		58,654,762			75,076			19,716,241			28,850			36,701,362			31,848,689			17,815,584			47,287			105,886,617			27,582,979
End of period	$	50,549,590			93,420			16,335,726			34,464			29,452,543			29,891,348			15,864,654			63,350			103,314,563			19,112,877

See accompanying notes to financial statements

28

ZALICO Variable Annuity Separate Account

Statement of Changes in Contract Owners’ Equity

For the year ended December 31, 2017

	Deutsche
	Variable Series II
	DWS Government			DWS Government															DWS Small Mid
	& Agency			Money Market			DWS High Income			DWS High Income			DWS CROCI®			DWS CROCI®			Cap Growth VIP			DWS Small Mid			DWS Small Mid
	Securities VIP B			Portfolio A			VIP A			VIP B			U.S. VIP A			U.S. VIP B			A			Cap Value VIP A			Cap Value VIP B
	1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017
	to			to			to			to			to			to			to			to			to
	12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017
OPERATIONS
Net investment income (loss)	$	421			(304,452	)		2,455,553			572			224,247			(1,121	)		(935,816	)		(441,167	)		(2,149	)
Net realized gain (loss) on investments		(647	)		—			(132,699	)		(24	)		8,316,893			1,165			12,320,531			13,853,719			6,490
Change in unrealized appreciation (depreciation) of investments		(280	)		—			781,143			263			13,282,213			27,669			1,995,244			(7,289,420	)		6,741
Net increase (decrease) in contract owners’ equity resulting from operations		(506	)		(304,452	)		3,103,997			811			21,823,353			27,713			13,379,959			6,123,132			11,082
CONTRACT OWNERS’ EQUITY TRANSACTIONS
Proceeds from sales		9,000			377,670			186,641			—			116,411			—			217,287			360,271			—
Net transfer (to) from affiliate and subaccounts		(253	)		15,672,006			(1,850,143	)		294			(4,415,848	)		453			(7,159,542	)		(4,037,663	)		(4	)
Payments for redemptions		(6,533	)		(22,148,566	)		(10,224,458	)		(2,010	)		(34,262,331	)		(4,237	)		(21,836,659	)		(22,235,196	)		(6,743	)
Guaranteed retirement income benefit, maintenance fees, and other fees		—			(41,329	)		(40,129	)		—			(229,880	)		—			(119,958	)		(113,169	)		—
Annuity payout reserve adjustment		—			696			1,326			—			215			—			(14,532	)		265			—
Net increase (decrease) from contract owners’ equity transactions		2,214			(6,139,523	)		(11,926,763	)		(1,716	)		(38,791,433	)		(3,784	)		(28,913,404	)		(26,025,492	)		(6,747	)
Total increase (decrease) in contract owners’ equity		1,708			(6,443,975	)		(8,822,766	)		(905	)		(16,968,080	)		23,929			(15,533,445	)		(19,902,360	)		4,335
CONTRACT OWNERS’ EQUITY
Beginning of period		108,951			34,764,502			53,576,498			16,529			113,019,829			139,826			74,756,502			80,882,572			141,446
End of period	$	110,659			28,320,518			44,753,732			15,622			96,051,751			163,755			59,223,059			60,980,212			145,781

See accompanying notes to financial statements

29

ZALICO Variable Annuity Separate Account

Statement of Changes in Contract Owners’ Equity

For the year ended December 31, 2017

				Deutsche			Deutsche			Dreyfus						The Dreyfus			The Dreyfus
				Investments VIT			Investments VIT			Investment						Sustainable U.S.			Sustainable U.S.			Fidelity
				Funds			Funds			Portfolios						Equity Fund			Equity Fund			Variable Insurance Products Funds
																The Dreyfus			The Dreyfus
																Sustainable U.S.			Sustainable U.S.
	DWS Multisector			DWS Equity 500			DWS Equity 500			Dreyfus I.P. Mid			Dreyfus I.P. Mid			Equity Portfolio,			Equity Portfolio,			Fidelity VIP Asset			Fidelity VIP			Fidelity VIP
	Income VIP A			Index VIP A			Index VIP B2			Cap Stock A			Cap Stock SC			Inc. I-S			Inc. S-S			Manager			Contrafund			Equity Income
	1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017
	to			to			to			to			to			to			to			to			to			to
	12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017
OPERATIONS
Net investment income (loss)	$	(65,202	)		465,319			(41	)		(89,126	)		(23,264	)		(8,174	)		(35	)		17,595			(213,436	)		76,223
Net realized gain (loss) on investments		(1,192,193	)		18,498,383			486			7,764,340			186,284			276,497			284			471,608			6,953,190			296,823
Change in unrealized appreciation (depreciation) of investments		1,940,640			(2,731,227	)		1,036			(2,909,853	)		442,287			424,986			235			(89,308	)		5,338,051			1,970,299
Net increase (decrease) in contract owners’ equity resulting from operations		683,245			16,232,475			1,481			4,765,361			605,307			693,309			484			399,895			12,077,805			2,343,345
CONTRACT OWNERS’ EQUITY TRANSACTIONS
Proceeds from sales		—			16,650			—			—			162,435			21,013			—			19,948			932,063			516,746
Net transfer (to) from affiliate and subaccounts		(54,188	)		(2,924,881	)		340			(4,167,877	)		62,773			(255,638	)		54			23,961			(35,317	)		(304,923	)
Payments for redemptions		(5,154,892	)		(36,208,492	)		—			(14,072,393	)		(238,910	)		(1,035,757	)		—			(243,456	)		(6,860,261	)		(2,809,545	)
Guaranteed retirement income benefit, maintenance fees, and other fees		(27,230	)		(213,985	)		—			(93,650	)		—			(6,403	)		—			—			—			—
Annuity payout reserve adjustment		—			—			—			—			—			—			—			—			922			152
Net increase (decrease) from contract owners’ equity transactions		(5,236,310	)		(39,330,708	)		340			(18,333,920	)		(13,702	)		(1,276,785	)		54			(199,547	)		(5,962,593	)		(2,597,570	)
Total increase (decrease) in contract owners’ equity		(4,553,065	)		(23,098,233	)		1,821			(13,568,559	)		591,605			(583,476	)		538			200,348			6,115,212			(254,225	)
CONTRACT OWNERS’ EQUITY
Beginning of period		13,805,114			94,184,981			7,687			45,227,254			4,395,069			5,398,520			3,710			3,260,591			61,891,383			22,124,855
End of period	$	9,252,049			71,086,749			9,507			31,658,693			4,986,672			4,815,044			4,249			3,460,939			68,006,595			21,870,629

See accompanying notes to financial statements

30

ZALICO Variable Annuity Separate Account

Statement of Changes in Contract Owners’ Equity

For the year ended December 31, 2017

	Fidelity									Franklin Templeton															Franklin Templeton
	Variable Insurance Products Funds									Variable Insurance Products Trust															Variable Insurance Products Trust
																									Franklin U.S.			Templeton
										Franklin Mutual Franklin Mutual						Franklin Rising			Franklin Small			Franklin Strategic			Government			Developing
	Fidelity VIP			Fidelity VIP Index			Fidelity VIP Index			Global Discovery			Shares VIP Fund			Dividends VIP			Cap Value VIP			Income VIP Fund			Securities VIP			Markets VIP Fund
	Growth			500			500 - SC			VIP Fund CL 2			CL 2			Fund CL 2			Fund CL 2			CL 2			Fund CL 2			CL 2
	1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017
	to			to			to			to			to			to			to			to			to			to
	12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017
OPERATIONS
Net investment income (loss)	$	(297,184	)		315,241			540			78,052			36,827			17,841			(45,068	)		85,275			14,896			(11,566	)
Net realized gain (loss) on investments		4,307,097			5,572,868			351,524			1,351,023			488,253			558,436			590,231			(129,174	)		(21,290	)		(97,854	)
Change in unrealized appreciation (depreciation) of investments		3,464,931			6,519,826			82,709			(183,783	)		(232,416	)		775,979			(91,213	)		217,258			6,789			1,171,140
Net increase (decrease) in contract owners’ equity resulting from operations		7,474,844			12,407,935			434,773			1,245,292			292,664			1,352,256			453,950			173,359			395			1,061,720
CONTRACT OWNERS’ EQUITY TRANSACTIONS
Proceeds from sales		294,060			891,384			15,478			339,629			170,935			134,105			162,151			151,175			18,538			57,546
Net transfer (to) from affiliate and subaccounts		360,193			569,799			(87,305	)		(550,493	)		(189,181	)		(595,175	)		(168,162	)		262,893			247,573			108,645
Payments for redemptions		(3,195,269	)		(6,779,159	)		(492,909	)		(1,625,884	)		(789,453	)		(919,846	)		(865,179	)		(1,088,635	)		(337,236	)		(319,825	)
Guaranteed retirement income benefit, maintenance fees, and other fees		—			—			—			—			—			—			—			—			—			(4	)
Annuity payout reserve adjustment		105			285			—			129			—			194			—			(12	)		—			106
Net increase (decrease) from contract owners’ equity transactions		(2,540,911	)		(5,317,691	)		(564,736	)		(1,836,619	)		(807,699	)		(1,380,722	)		(871,190	)		(674,579	)		(71,125	)		(153,532	)
Total increase (decrease) in contract owners’ equity		4,933,933			7,090,244			(129,963	)		(591,327	)		(515,035	)		(28,466	)		(417,240	)		(501,220	)		(70,730	)		908,188
CONTRACT OWNERS’ EQUITY
Beginning of period		23,174,280			64,423,915			2,509,380			17,913,492			4,546,452			7,818,544			5,766,814			5,721,679			1,512,399			2,794,221
End of period	$	28,108,214			71,514,162			2,379,415			17,322,165			4,031,418			7,790,076			5,349,576			5,220,460			1,441,666			3,702,409

See accompanying notes to financial statements

31

ZALICO Variable Annuity Separate Account

Statement of Changes in Contract Owners’ Equity

For the year ended December 31, 2017

													Janus									Janus
	Invesco Variable Insurance Funds												Henderson Series									Henderson Series
										Invesco V.I.
	Invesco V.I.			Invesco V.I.			Invesco V.I.			Managed			Janus Henderson			Janus Henderson						Janus Henderson			Janus Henderson			Janus Henderson
	Diversified			Global Health			Global Real Estate			Volatility Fund			Balanced Portfolio			Enterprise			Janus Henderson			Global Research			Research Portfolio			Mid Cap Value
	Dividend Fund			Care Fund Series I			Fund Series I			Series I			I-S			Portfolio I-S			Forty Portfolio I-S			Portfolio I-S			I-S			Portfolio S-S
	1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017
	to			to			to			to			to			to			to			to			to			to
	12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017
OPERATIONS
Net investment income (loss)	$	3,054			(22,538	)		80,694			(20,528	)		184,019			(551,242	)		(4,983	)		(183,593	)		(249,778	)		(30,613	)
Net realized gain (loss) on investments		152,399			(75,284	)		260,283			(1,139,552	)		1,563,886			7,563,897			17,637			2,713,484			1,901,320			177,566
Change in unrealized appreciation (depreciation) of investments		(74,486	)		418,189			156,465			2,288,477			8,486,616			4,730,802			66,743			5,355,654			4,455,013			329,505
Net increase (decrease) in contract owners’ equity resulting from operations		80,967			320,367			497,442			1,128,397			10,234,521			11,743,457			79,397			7,885,545			6,106,555			476,458
CONTRACT OWNERS’ EQUITY TRANSACTIONS
Proceeds from sales		14,501			38,108			92,865			28,054			1,367,029			459,778			—			462,595			204,892			66,357
Net transfer (to) from affiliate and subaccounts		(233,917	)		20,653			(98,328	)		(365,314	)		(293,353	)		118,066			(8,230	)		(732,205	)		(273,781	)		64,259
Payments for redemptions		(104,220	)		(513,059	)		(494,268	)		(5,024,661	)		(7,072,188	)		(5,122,705	)		(226	)		(4,102,358	)		(3,198,405	)		(273,039	)
Guaranteed retirement income benefit, maintenance fees, and other fees		—			—			—			(24,296	)		—			—			(129	)		—			—			—
Annuity payout reserve adjustment		—			—			—			—			1,794			152			—			77			222			—
Net increase (decrease) from contract owners’ equity transactions		(323,636	)		(454,298	)		(499,731	)		(5,386,217	)		(5,996,718	)		(4,544,709	)		(8,585	)		(4,371,891	)		(3,267,072	)		(142,423	)
Total increase (decrease) in contract owners’ equity		(242,669	)		(133,931	)		(2,289	)		(4,257,820	)		4,237,803			7,198,748			70,812			3,513,654			2,839,483			334,035
CONTRACT OWNERS’ EQUITY
Beginning of period		1,322,645			2,296,407			4,540,083			14,818,501			63,572,991			47,336,861			282,542			32,905,518			24,662,107			3,989,132
End of period	$	1,079,975			2,162,475			4,537,796			10,560,682			67,810,794			54,535,609			353,356			36,419,174			27,501,592			4,323,170

See accompanying notes to financial statements

32

ZALICO Variable Annuity Separate Account

Statement of Changes in Contract Owners’ Equity

For the year ended December 31, 2017

	JPMorgan															Oppenheimer
	Insurance Trust															Variable Account Funds
																			Oppenheimer
	JPMorgan			JPMorgan			JPMorgan			JPMorgan			JPMorgan			Oppenheimer			Discovery Mid						Oppenheimer
	Insurance Trust			Insurance Trust			Insurance Trust			Insurance Trust			Insurance Trust			Capital			Cap Growth Fund			Oppenheimer			Global Strategic			Oppenheimer
	Core Bond			Intrepid MidCap			Mid Cap Value			Small Cap Core			US Equity			Appreciation			S-S			Global Fund S-S			Income VA			Main Street
	1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017
	to			to			to			to			to			to			to			to			to			to
	12/31/2017			5/19/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017
OPERATIONS
Net investment income (loss)	$	4,096			(16,254	)		(36,028	)		(45,892	)		(3,552	)		(21,856	)		(16,194	)		(111,647	)		23,422			(13,976	)
Net realized gain (loss) on investments		(16,700	)		14,843			1,426,681			385,925			59,234			203,667			144,649			916,183			(52,401	)		505,338
Change in unrealized appreciation (depreciation) of investments		20,986			151,497			(639,753	)		232,205			126,384			175,461			156,285			4,706,891			217,830			111,557
Net increase (decrease) in contract owners’ equity resulting from operations		8,382			150,086			750,900			572,238			182,066			357,272			284,740			5,511,427			188,851			602,919
CONTRACT OWNERS’ EQUITY TRANSACTIONS
Proceeds from sales		5,431			33,488			165,691			106,040			46,111			41,160			20,077			266,987			149,340			63,164
Net transfer (to) from affiliate and subaccounts		(156,822	)		(3,540,979	)		(694,192	)		(219,726	)		134,063			39,904			80,069			(85,834	)		(52,830	)		(45,598	)
Payments for redemptions		(89,513	)		(94,793	)		(996,768	)		(490,908	)		(95,116	)		(256,100	)		(140,011	)		(2,295,941	)		(691,144	)		(716,986	)
Guaranteed retirement income benefit, maintenance fees, and other fees		—			—			—			—			—			—			—			—			—			—
Annuity payout reserve adjustment		—			—			—			71			—			—			—			—			—			—
Net increase (decrease) from contract owners’ equity transactions		(240,904	)		(3,602,284	)		(1,525,269	)		(604,523	)		85,058			(175,036	)		(39,865	)		(2,114,788	)		(594,634	)		(699,420	)
Total increase (decrease) in contract owners’ equity		(232,522	)		(3,452,198	)		(774,369	)		(32,285	)		267,124			182,236			244,875			3,396,639			(405,783	)		(96,501	)
CONTRACT OWNERS’ EQUITY
Beginning of period		566,808			3,452,197			7,051,724			4,659,378			808,043			1,521,458			1,096,952			16,926,563			4,323,315			4,269,764
End of period	$	334,285			—			6,277,355			4,627,094			1,075,170			1,703,697			1,341,825			20,323,203			3,917,532			4,173,264

See accompanying notes to financial statements

33

ZALICO Variable Annuity Separate Account

Statement of Changes in Contract Owners’ Equity

For the year ended December 31, 2017

				PIMCO			PIMCO			Voya			Voya
				Variable Insurance			Variable Insurance			Global Resources			Investors
				Trust			Trust			Trust			Trust
				PIMCO PVIT									VY JPMorgan
	Oppenheimer			International Bond									Emerging Markets
	Main Street Small			(U.S. Dollar-			PIMCO Low			Voya Global			Equity Portfolio
	Cap Fund S-S			Hedged)			Duration ADM			Equity Portfolio			Class I
	1/1/2017			1/1/2017			1/1/2017			1/1/2017			1/1/2017
	to			to			to			to			to
	12/31/2017			12/31/2017			12/31/2017			12/31/2017			12/31/2017
OPERATIONS
Net investment income (loss)	$	(56,714	)		479			(25	)		28,138			(29,448	)
Net realized gain (loss) on investments		888,993			56			5			38,088			(60,669	)
Change in unrealized appreciation (depreciation) of investments		117,641			(347	)		(5	)		635,267			1,644,959
Net increase (decrease) in contract owners’ equity resulting from operations		949,920			188			(25	)		701,493			1,554,842
CONTRACT OWNERS’ EQUITY TRANSACTIONS
Proceeds from sales		140,832			—			—			66,817			54,152
Net transfer (to) from affiliate and subaccounts		267,159			(576	)		79			(68,546	)		(44,514	)
Payments for redemptions		(829,688	)		1			1			(434,229	)		(337,297	)
Guaranteed retirement income benefit, maintenance fees, and other fees		—			(6	)		(19	)		—			—
Annuity payout reserve adjustment		—			—			—			(13	)		149
Net increase (decrease) from contract owners’ equity transactions		(421,697	)		(581	)		61			(435,971	)		(327,510	)
Total increase (decrease) in contract owners’ equity		528,223			(393	)		36			265,522			1,227,332
CONTRACT OWNERS’ EQUITY
Beginning of period		7,839,837			15,009			36,218			3,427,192			3,882,156
End of period	$	8,368,058			14,616			36,252			3,692,714			5,109,489

See accompanying notes to financial statements

34

ZALICO Variable Annuity Separate Account

of Zurich American Life Insurance Company

Notes to Financial Statements

(1) Organization:

ZALICO Variable Annuity Separate Account (the “Separate Account”) is a unit investment trust registered under the Investment Company Act of 1940, as amended, established by Zurich American Life Insurance Company (“ZALICO” or the “Company”). ZALICO is a stock life insurance company founded in 1947. The Company is incorporated under the insurance laws of the State of Illinois and is licensed in the District of Columbia and all states, with the exception of New York.

The Company is a wholly owned subsidiary of Zurich American Corporation (“Zurich”), a non-operating holding company. Zurich is a direct, wholly owned subsidiary of Zurich Holding Company of America, Inc. (“ZHCA”). ZHCA is an indirect, wholly owned subsidiary of Zurich Insurance Group Ltd ( “ZIG” or “Parent”).

ZALICO has structured the Separate Account into a unit investment trust form registered with the U.S. Securities and Exchange Commission under the Investment Company Act of 1940. The Separate Account follows the accounting guidance in Accounting Standards Codification (“ASC”) Topic 946, “Financial Services—Investment Companies.”

Under applicable insurance law, the assets and liabilities of the Separate Account are clearly identified and distinguished from ZALICO’s other assets and liabilities. The portion of the Separate Account’s assets applicable to the variable annuity contracts is not chargeable with liabilities arising out of any other business ZALICO may conduct.

The Separate Account is used to fund contracts or certificates (collectively referred to as “Contracts”) for Zurich Advantage III periodic and flexible payment variable annuity contracts (“Zurich Advantage III”), Zurich Passport individual and group variable, fixed and market value adjusted deferred annuity contracts (“Zurich Passport”), Scudder Destinations individual and group variable, fixed and market value adjusted deferred annuity contracts (“Scudder Destinations”), Farmers Variable Annuity I individual and group variable, fixed and market value adjusted deferred annuity contracts (“Farmers Variable Annuity I”), Zurich Preferred individual and group variable and market value adjusted deferred annuity contracts (“Zurich Preferred”), Zurich Preferred Plus individual and group variable and market value adjusted deferred annuity contracts (“Zurich Preferred Plus”), Zurich ZS4 individual and group variable and market value adjusted deferred annuity contracts (“Zurich ZS4”) and Zurich Archway individual and group variable and market value adjusted deferred annuity contracts (“Zurich Archway”). The Separate Account is divided into a total of eighty-two subaccounts with various subaccount options available to contract owners depending upon their respective Contracts as of December 31, 2018. As of December 31, 2018, assets were invested in seventy-three of the subaccount options.

The Zurich Advantage III contracts have fifty-one subaccount options available to contract owners and each subaccount invests exclusively in the shares of a corresponding portfolio in the Alger Portfolios, the American Century Variable Portfolios, Inc., the Deutsche Variable Series I, the Deutsche Variable Series II, the Dreyfus Investment Portfolios, the Dreyfus Sustainable U.S. Equity Fund, Inc., the Fidelity Variable Insurance Products Fund, the Franklin Templeton Variable Insurance Products Trust, the Invesco Variable Insurance Funds, the Janus Henderson Series, the JPMorgan Insurance Trust, the Oppenheimer Variable Account Funds, the Voya Global Resources Trust and the Voya Investors Trust, all of which are open-end management investment companies.

The Zurich Passport contracts have twelve subaccount options available to the contract owners and each subaccount invests exclusively in the shares of a corresponding portfolio in the Deutsche Variable Series II, an open-end management investment company.

The Scudder Destinations contracts have twenty-one subaccount options available to the contract owners and each subaccount invests exclusively in the shares of a corresponding portfolio in the Alger Portfolios, the Deutsche Variable Series I, the Deutsche Variable Series II, the Deutsche Investments VIT Funds, the Dreyfus Investment Portfolios, the Dreyfus Sustainable U.S. Equity Fund, Inc., and the Invesco Variable Insurance Funds, all of which are open-end management investment companies.

The Zurich Preferred and Zurich Preferred Plus contracts have forty-six subaccount options available to the contract owners and each subaccount invests exclusively in the shares of a corresponding portfolio in the Alger Portfolios, the American Century Variable Portfolios, Inc., the Deutsche Variable Series I, the Deutsche Variable Series II, the Dreyfus Investment Portfolios, the Dreyfus Sustainable U.S. Equity Fund, the Fidelity Variable Insurance Products Fund, the Franklin Templeton Variable Insurance Products Trust, the Invesco Variable Insurance Funds, the Janus Henderson Series, the JPMorgan Insurance Trust and the Oppenheimer Variable Account Funds, all of which are open-end management investment companies.

The Farmers Variable Annuity I contracts have twelve subaccount options available to the contract owners and each subaccount invests exclusively in the shares of a corresponding portfolio in the Deutsche Variable Series I, the Deutsche Variable Series II, the Franklin Templeton Variable Insurance Products Trust, the Janus Henderson Series and the PIMCO Variable Insurance Trust, all of which are open-end management investment companies.

35

ZALICO Variable Annuity Separate Account

of Zurich American Life Insurance Company

Notes to Financial Statements

(1) Organization:

The Zurich ZS4 contracts have twenty subaccount options available to the contract owners and each subaccount invests exclusively in the shares of a corresponding portfolio in the Alger Portfolios, the Deutsche Variable Series I, the Deutsche Variable Series II, the Deutsche Investments VIT Funds, the Dreyfus Investment Portfolios, the Dreyfus Sustainable U.S. Equity Fund, and the Invesco Variable Insurance Funds, all of which are open-end management investment companies.

The Zurich Archway contracts have forty-five subaccount options available to the contract owners and each subaccount invests exclusively in the shares of a corresponding portfolio in the Alger Portfolios, the American Century Variable Portfolios, Inc., the Deutsche Variable Series I, the Deutsche Variable Series II, the Dreyfus Investment Portfolios, the Dreyfus Sustainable U.S. Equity Fund, the Fidelity Variable Insurance Products Fund, the Franklin Templeton Variable Insurance Products Trust, the Invesco Variable Insurance Funds, the Janus Henderson Series, the JPMorgan Insurance Trust and the Oppenheimer Variable Account Funds, all of which are open-end management investment companies.

In September 2015, the Company announced a Buy Back Offer concerning the Scudder DESTINATIONS and Farmers Variable Annuity I contracts. When accepting the Buy Back Offer, contract holders could choose to surrender the contract for a Buy Back amount that consisted of a cash distribution of contract value plus an enhancement amount, or contract owners could choose to use the Buy Back amount to exchange their contracts for another company’s annuity product or for some other eligibile investment. Acceptance of the Buy Back Offer was free of surrender charge. The Buy Back Offer was made in three offering periods: September 14, 2015 through December 11, 2015; January 4, 2016 through January 31, 2016; and July 3, 2017 through November 30, 2017.

As of December 31, 2018, the Separate Account was comprised of eighty-two available subaccounts as follows:

Alger Balanced	DWS Small Mid Cap Value VIP B (25)
Alger Capital Appreciation	DWS Multisector Income VIP A (26)
Alger Capital Appreciation S (a)	Dreyfus I.P. Mid Cap Stock A
Alger Large Cap Growth I-2	Dreyfus I.P. Mid Cap Stock SC
Alger Mid Cap Growth I-2	Dreyfus Sustainable U.S. Equity Portfolio I-S
Alger Mid Cap Growth S (a)	Dreyfus Sustainable U.S. Equity Portfolio S-S
Alger Small Cap Growth I-2	Fidelity VIP Asset Manager
American Century VP Income & Growth	Fidelity VIP Contrafund
American Century VP Income & Growth II (a)	Fidelity VIP Contrafund - Service 2 (a)
American Century VP Value	Fidelity VIP Equity Income
American Century VP Value II (a)	Fidelity VIP Equity Income - Service 2 (a)
DWS Bond VIP A (1)	Fidelity VIP Growth
DWS Capital Growth VIP A(2)	Fidelity VIP Index 500
DWS Capital Growth VIP B(3)	Fidelity VIP Index 500 - SC
DWS Core Equity VIP A (4)	Franklin Mutual Global Discovery VIP Fund CL 2
DWS Core Equity VIP B (5)	Franklin Mutual Shares VIP Fund CL 2
DWS CROCI® International VIP A (6)	Franklin Rising Dividends VIP Fund CL 2
DWS CROCI® International VIP B (7)	Franklin Small Cap Value VIP Fund CL 2
DWS Equity 500 Index VIP A (8)	Franklin Strategic Income VIP Fund CL 2
DWS Equity 500 Index VIP B2 (9)	Franklin U.S. Government Securities VIP Fund CL 2
DWS Global Equity VIP A (10)	Invesco V.I. Diversified Dividend Fund Series I
DWS International Growth VIP A (11)	Invesco V.I. Health Care Fund (27)
DWS International Growth VIP B (12)	Invesco V.I. Global Real Estate Fund Series I
DWS Global Income Builder VIP A (13)	Invesco V.I. Managed Volatility Fund Series I
DWS Global Small Cap VIP A (14)	Janus Henderson Balanced Portfolio I-S
DWS Global Small Cap VIP B (a) (15)	Janus Henderson Enterprise Portfolio I-S
DWS Government & Agency Securities VIP A (16)	Janus Henderson Forty Portfolio I-S
DWS Government & Agency Securities VIP B (17)	Janus Henderson Global Research Portfolio I-S
DWS Government Money Market VIP A (18)	Janus Henderson Global Research Portfolio S-S (a)
DWS High Income VIP A (19)	Janus Henderson Research Portfolio I-S
DWS High Income VIP B (20)	Janus Henderson Mid Cap Value Portfolio S-S
DWS CROCI® U.S. VIP A (21)	JPMorgan Insurance Trust Core Bond
DWS CROCI® U.S. VIP B (22)	JPMorgan Insurance Trust Mid Cap Value
DWS Small Mid Cap Growth VIP A (23)	JPMorgan Insurance Trust Small Cap Core
DWS Small Mid Cap Value VIP A (24)	PIMCO PVIT International Bond (U.S. Dollar-Hedged) (28)

36

ZALICO Variable Annuity Separate Account

of Zurich American Life Insurance Company

Notes to Financial Statements

(1) Organization:

JPMorgan Insurance Trust US Equity	PIMCO Low Duration ADM
Oppenheimer Capital Appreciation	Templeton Developing Markets VIP Fund CL 2
Oppenheimer Discovery Mid Cap Growth Fund S-S	Voya Global Equity Portfolio
Oppenheimer Global Fund S-S	VY JPMorgan Emerging Markets Equity Portfolio Class I
Oppenheimer Global Strategic Income VA
Oppenheimer Main Street
Oppenheimer Main Street Small Cap Fund S-S

(a) Subaccount available for investment; however, no investment activity in 2018 or 2017.

(1) Effective July 2, 2018 name changed from Deutsche Bond VIP A to DWS Bond VIP A.

(2) Effective July 2, 2018 Deutsche Capital Growth VIP A to DWS Capital Growth VIP A.

(3) Effective July 2, 2018 name changed from Deutsche Capital Growth VIP B to DWS Capital Growth VIP B.

(4) Effective July 2, 2018 name changed from Deutsche Core Equity VIP A to DWS Core Equity VIP A.

(5) Effective July 2, 2018 name changed from Deutsche Core Equity VIP B to DWS Core Equity VIP B.

(6) Effective July 2, 2018 name changed from Deutsche CROCI^® International VIP A to DWS CROCI^® International VIP A.

(7) Effective July 2, 2018 name changed from Deutsche CROCI^® International VIP B to DWS CROCI^® International VIP B.

(8) Effective July 2, 2018 name changed from Deutsche Equity 500 Index VIP A to DWS Equity 500 Index VIP A.

(9) Effective July 2, 2018 name changed from Deutsche Equity 500 Index VIP B2 to DWS Equity 500 Index VIP B2.

(10) Effective July 2, 2018 name changed from Deutsche Global Equity VIP A to DWS Global Equity VIP A.

(11) Effective July 2, 2018 name changed from Deutsche International Growth VIP A to DWS International Growth VIP A.

(12) Effective July 2, 2018 name changed from Deutsche International Growth VIP B to DWS International Growth VIP B.

(13) Effective July 2, 2018 name changed from Deutsche Global Income Builder VIP A to DWS Global Income Builder VIP A.

(14) Effective July 2, 2018 name changed from Deutsche Global Small Cap VIP A to DWS Global Small Cap VIP A.

(15) Effective July 2, 2018 name changed from Deutsche Global Small Cap VIP B to DWS Global Small Cap VIP B.

(16) Effective July 2, 2018 name changed from Deutsche Government & Agency Securities VIP A to DWS Government & Agency Securities VIP A.

(17) Effective July 2, 2018 name changed from Deutsche Government & Agency Securities VIP B to DWS Government & Agency Securities VIP B.

(18) Effective July 2, 2018 name changed from Deutsche Government Money Market VIP A DWS Government Money Market VIP A.

(19) Effective July 2, 2018 name changed from Deutsche High Income VIP A to DWS High Income VIP A.

(20) Effective July 2, 2018 name changed from Deutsche High Income VIP B to DWS High Income VIP B.

(21) Effective July 2, 2018 name changed from Deutsche CROCI^® U.S. VIP A to DWS CROCI^® U.S. VIP A.

(22) Effective July 2, 2018 name changed from Deutsche CROCI^® U.S. VIP B to DWS CROCI^® U.S. VIP B.

(23) Effective July 2, 2018 name changed from Deutsche Small Mid Cap Growth VIP A to DWS Small Mid Cap Growth VIP A.

(24) Effective July 2, 2018 name changed from Deutsche Small Mid Cap Value VIP A to DWS Small Mid Cap Value VIP A.

(25) Effective July 2, 2018 name changed from Deutsche Small Mid Cap Value VIP B to DWS Small Mid Cap Value VIP B.

(26) Effective July 2, 2018 name changed from Deutsche Multisector Income VIP A to DWS Multisector Income VIP A.

(27) Effective April 30, 2018 name changed from Invesco V.I. Global Health Care Fund Series I to Invesco V.I. Health Care Fund.

(28) Effective July 30, 2018 name changed from PIMCO Foreign Bond (USD-Hedged) ADM to PIMCO PVIT International Bond (U.S. Dollar-Hedged).

Contract owners may allocate some or all of net purchase payments or transfer some or all of the contract value to the Fixed Account Option, which is part of ZALICO’s General Account. The assets of ZALICO’s General Account support its insurance and annuity obligations and are subject to ZALICO’s general liabilities from its business operations.

The remainder of this page is intentionally left blank

37

ZALICO Variable Annuity Separate Account

of Zurich American Life Insurance Company

Notes to Financial Statements

(2) Significant Accounting Policies:

Investments

Investments are made in the various portfolios in accordance with selections made by the contract owners. The Separate Account’s assets are the property of ZALICO for the benefit of contract owners and are segregated from ZALICO’s other assets. Such investments are made at the net asset value per share, reported by the respective portfolios.

Security transactions and investment income

Security transactions are accounted for on the trade date (date the order to buy or sell is executed). Dividend income is recorded as income on the ex-dividend date and is reinvested in additional shares of the portfolio. Realized gains and losses from sales of investment shares are reported on a first in, first out (FIFO) cost basis. Capital gain distributions are included in realized gains (losses) on investments.

Accumulation unit valuation

On each day the New York Stock Exchange (the “Exchange”) is open for trading, the accumulation unit value is determined as of the earlier of 3:00 p.m. (CST) or the close of the Exchange by dividing the total value of each subaccount’s investments and other assets, less liabilities, by the number of accumulation units outstanding in the respective subaccount.

Federal income taxes

The results of the operations of the Separate Account are included in the federal income tax return of ZALICO. Under the provisions of the contracts, ZALICO has the right to charge the Separate Account for federal income tax attributable to the Separate Account. No charge has been made against the Separate Account for such tax during the year ended December 31, 2018. Management will periodically review the contract in the event of changes in tax law. Accordingly, a charge may be made in future years for any federal income taxes that would be attributable to the contracts.

Net transfers (to) from affiliate or subaccounts

Net transfers (to) from affiliate or subaccounts include transfers of all or part of the contract owners’ interest to or from another eligible subaccount or to the general account of ZALICO.

Estimates

The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that could affect the reported amounts of assets and liabilities, as well as the disclosure of contingent assets or liabilities at the date of the financial statements. As a result, actual results reported as revenue and expenses could differ from the estimates reported in the accompanying financial statements.

Risks and Uncertainties

The Separate Account provides for various subaccount investment options in any combination of the available open-end management investment companies, each of which bears exposure to the market, credit, and liquidity risks of the underlying portfolio in which it invests. Generally, all investments are exposed to various risks, such as interest rate, market and credit risks. Due to the level of risk associated with certain investments and the level of uncertainty related to changes in the value of investments, it is at least reasonably possible that changes in risks in the near term could materially affect investment balances, the amounts reported in the Statement of Assets, Liabilities and Contract Owners’ Equity and the amounts reported in the Statement of Changes in Contract Owners’ Equity. Accordingly, these financial statements should be read in conjunction with the financial statements of the underlying open-end management investment companies identified in Note 1.

38

ZALICO Variable Annuity Separate Account

of Zurich American Life Insurance Company

Notes to Financial Statements

(2) Significant Accounting Policies:

Annuity Payouts

Net assets allocated to contracts in the annuity payout period are computed according to the 1983a Individual Annuitant Mortality Table with projections. Unless the annuitant elects otherwise, the assumed investment return is 2.5% for most products (i.e. Destinations, Farmers Variable Annuity, Archway, ZS4, Preferred, Preferred Plus, most Advantage III policies), or 4.0% for Passport and some Advantage III contracts. The mortality risk is fully borne by ZALICO and may result in additional amounts being transferred into the Separate Account by ZALICO to cover greater longevity of annuitants than expected. Conversely, if amounts allocated exceed amounts required, transfers may be made to the insurance company.

Fair Value Measurements

The Separate Account determined the fair value of its financial instruments based on the fair value hierarchy established in FASB guidance referenced in the Fair Value Measurements and Disclosure Topic which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value.

The Separate Account has categorized its financial instruments based on the priority of the inputs to the valuation technique, into the three level hierarchy, as outlined under the applicable guidance. The fair value hierarchy gives the highest priority to quoted prices in active markets for identical assets or liabilities (Level 1) and the lowest priority to unobservable inputs (Level 3). If the inputs used to measure fair value fall within different levels of the hierarchy, the category level is based on the lowest priority level input that is significant to the fair value measurement of the instrument. As there are no level 2 or level 3 assets in any period presented, disclosure of transfer between levels or a reconciliation of level 3 assets is not required. In addition, no other financial assets or assets valued on a non-recurring basis are recorded in the Separate Account.

Financial assets and liabilities recorded at fair value on the Statement of Assets, Liabilities and Contract Owners’ Equity are categorized as follows:

• Level 1: Unadjusted quoted prices for identical assets or liabilities in an active market.

• Level 2: Quoted prices in markets that are not active or significant inputs that are observable either directly or indirectly. Level 2 inputs include the following:

a) Quoted prices for similar assets or liabilities in active markets.

b) Quoted prices for identical or similar assets or liabilities in non-active markets.

c) Inputs other than quoted market prices that are observable.

d) Inputs that are derived principally from or corroborated by observable market data through correlation or other means.

• Level 3: Prices or valuation techniques that require inputs that are both unobservable and significant to the overall fair value measurement. They reflect management’s own assumptions about the assumptions a market participant would use in pricing the asset or liability.

Determination of Fair Values

The valuation methodologies used to determine the fair values of assets and liabilities under the FASB guidance referenced in the Fair Value Measurements and Disclosure Topic reflect market participation assumptions and are based on the application of the fair value hierarchy that prioritizes observable market inputs over unobservable inputs. The Separate Account determines the fair values of certain financial assets based on quoted market prices. All of the investments in the subaccounts of the Separate Account are classified as Level 1 in the fair value hierarchy and consist of open-end management investment companies. Participants may, without restriction, transact at the daily net asset value (“NAV”) of the investment companies. The NAV represents the daily per share value based on the fair value of the underlying portfolio of investments of the respective mutual funds.

39

ZALICO Variable Annuity Separate Account

of Zurich American Life Insurance Company

Notes to Financial Statements

(3) Purchases and Sales of Investments:

The cost of purchases and proceeds from sales of investments, including distributions received and reinvested, for the year ended December 31, 2018, are as follows:

	Purchases		Sales
The Alger Portfolios:
Alger Balanced	$	3,757,371	$	1,515,644
Alger Capital Appreciation		9,662,286		3,705,053
Alger Large Cap Growth I-2		2,783,324		1,253,296
Alger Mid Cap Growth I-2		1,847,264		1,623,859
Alger Small Cap Growth I-2		1,106,341		791,161
American Century Variable Portfolios, Inc.:
American Century VP Income & Growth	$	1,187,958	$	1,166,804
American Century VP Value		694,548		2,698,047
Deutsche Variable Series I:
DWS Bond VIP A	$	1,917,836	$	3,699,377
DWS Capital Growth VIP A		18,663,144		18,906,672
DWS Capital Growth VIP B		19,778		6,755
DWS Core Equity VIP A		15,458,559		5,764,612
DWS Core Equity VIP B		25,043		9,999
DWS CROCI® International VIP A		545,898		2,150,044
DWS CROCI® International VIP B		259		629
DWS Global Small Cap VIP A		4,154,856		2,290,687
Deutsche Variable Series II:
DWS Global Equity A	$	957,059	$	3,267,325
DWS International Growth VIP A		1,233,832		2,195,505
DWS International Growth VIP B		1,153		1,025
DWS Global Income Builder VIP A		13,476,639		13,624,677
DWS Government & Agency Securities VIP A		890,842		3,119,600
DWS Government & Agency Securities VIP B		3,753		9,784
DWS Government Money Market VIP A		12,524,805		14,270,269
DWS High Income VIP A		7,170,983		10,389,991
DWS High Income VIP B		778		7,247
DWS CROCI® U.S. VIP A		9,608,969		10,525,485
DWS CROCI® U.S. VIP B		14,252		12,674
DWS Small Mid Cap Growth VIP A		22,919,515		6,425,511
DWS Small Mid Cap Value VIP A		11,323,240		6,938,937
DWS Small Mid Cap Value VIP B		25,980		6,446
DWS Multisector Income VIP A		1,210,154		1,685,324

40

ZALICO Variable Annuity Separate Account

of Zurich American Life Insurance Company

Notes to Financial Statements

(3) Purchases and Sales of Investments:

	Purchases		Sales
Deutsche Investments VIT Funds:
DWS Equity 500 Index VIP A	$	8,806,244	$	7,199,722
DWS Equity 500 Index VIP B2		1,168		8,676
Dreyfus Investment Portfolios:
Dreyfus I.P. Mid Cap Stock A	$	4,308,918	$	4,114,312
Dreyfus I.P. Mid Cap Stock SC		813,685		659,907
Dreyfus Sustainable U.S. Equity Fund.:
The Dreyfus Sustainable U.S. Equity Portfolio, Inc. I-S	$	1,103,667	$	861,445
The Dreyfus Sustainable U.S. Equity Portfolio, Inc. S-S		919		72
Fidelity Variable Insurance Products Funds:
Fidelity VIP Asset Manager	$	246,557	$	698,011
Fidelity VIP Contrafund		7,677,008		9,077,770
Fidelity VIP Equity Income		1,894,112		3,692,210
Fidelity VIP Growth		5,660,680		3,714,060
Fidelity VIP Index 500		2,816,228		10,182,147
Fidelity VIP Index 500 - SC		79,167		462,076
Franklin Templeton Variable Insurance Products Trust:
Franklin Mutual Global Discovery VIP Fund CL 2	$	960,391	$	2,814,604
Franklin Mutual Shares VIP Fund CL 2		652,554		754,206
Franklin Rising Dividends VIP Fund CL 2		838,221		1,231,944
Franklin Small Cap Value VIP Fund CL 2		956,215		704,550
Franklin Strategic Income VIP Fund CL 2		342,349		1,108,528
Franklin U.S. Government Securities VIP Fund CL 2		115,797		331,285
Templeton Developing Markets VIP Fund CL 2		226,199		779,606
Invesco Variable Insurance Funds:
Invesco V.I. Diversified Dividend Fund Series I	$	100,992	$	292,360
Invesco V.I. Health Care Fund		447,682		417,024
Invesco V.I. Global Real Estate Fund Series I		380,784		885,181
Invesco V.I. Managed Volatility Fund Series I		504,201		1,788,450
Janus Henderson Series:
Janus Henderson Balanced Portfolio I-S	$	4,663,001	$	7,450,476
Janus Henderson Enterprise Portfolio I-S		3,521,825		7,282,968
Janus Henderson Forty Portfolio I-S		413,917		306,110
Janus Henderson Global Research Portfolio I-S		643,721		3,625,879
Janus Henderson Research Portfolio I-S		1,792,890		3,301,271
Janus Henderson Mid Cap Value Portfolio S-S		517,175		497,650

41

ZALICO Variable Annuity Separate Account

of Zurich American Life Insurance Company

Notes to Financial Statements

(3) Purchases and Sales of Investments:

	Purchases		Sales
JPMorgan Insurance Trust:
JPMorgan Insurance Trust Core Bond	$	17,954	$	69,717
JPMorgan Insurance Trust Mid Cap Value		286,261		876,704
JPMorgan Insurance Trust Small Cap Core		640,863		605,247
JPMorgan Insurance Trust US Equity		219,079		396,420
Oppenheimer Variable Account Funds:
Oppenheimer Capital Appreciation	$	174,513	$	374,977
Oppenheimer Discovery Mid Cap Growth Fund S-S		325,335		462,144
Oppenheimer Global Fund S-S		2,250,190		2,916,608
Oppenheimer Global Strategic Income VA		373,499		825,107
Oppenheimer Main Street		498,875		660,936
Oppenheimer Main Street Small Cap Fund S-S		1,321,719		1,425,169
PIMCO Variable Insurance Trust:
PIMCO PVIT International Bond (U.S. Dollar-Hedged)	$	396	$	3,356
PIMCO Low Duration ADM		969		6,918
Voya Global Resources Trust:
Voya Global Equity Portfolio	$	206,841	$	681,987
Voya Investors Trust:
VY JPMorgan Emerging Markets Equity Portfolio Class I	$	395,226	$	624,744

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42

ZALICO Variable Annuity Separate Account

of Zurich American Life Insurance Company

Notes to Financial Statements

(4) Expenses and Related Party Transactions:

The following is a summary of Separate Account expense charges which are assessed either as a direct reduction in unit values or through a redemption of units for all contracts contained within the Separate Account:

Contract Charges	Range
Mortality and Expense Risk Charge
Each Subaccount is assessed a daily asset charge for mortality and expense risks through a reduction in unit values. The mortality and expense risk charge covers certain insurance benefits available under the contracts and certain expenses the Company expects to incur. It also covers the risk that charges will not be sufficient to cover costs associated with the contracts and to provide contractual benefits.		0-1.25%
Administration Charge
Each Subaccount is assessed a daily administration charge through a reduction in unit values. This charge reimburses the Company for expenses incurred for administering the Contracts. These expenses include Owner inquiries, changes in allocations, Owner reports, Contract maintenance costs, and data processing costs. The administrative charge covers the average anticipated administrative expenses incurred while the Contracts are in force.		0-.50%
Records Maintenance Charge
An annual Records Maintenance Charge is assessed during the Accumulation Period through the redemption of units and is assessed equally among all Subaccounts in which the Contract Holder has an interest. The charge is assessed at the end of each Contract year, on Contract surrender and upon annuitization. However, the Separate Account does not deduct the Records Maintenance Charge for Contracts with Contract Value of at least $50,000 on the assessment date. This charge reimburses the Separate Account for the expenses of establishing and maintaining Contract records.		0-$30
Withdrawal Charge
Withdrawal Charges are applicable only during the first seven Contribution Years following each purchase payment. When a withdrawal is requested in good order, and a Withdrawal Charge applies, the Contract Value is reduced by the amount of the Withdrawal Charge through the redemption of units. This charge is subject to certain exceptions. The Withdrawal Charge compensates the Company for Contract distribution expenses, which include the payment of commissions and other promotion and acquisition expenses.		0-8%
Optional Benefit Fees
Optional benefits may be elected by contract holders. These benefits include death benefits and living benefits through the purchase of riders, such as Guaranteed Retirement Income Benefit Rider (“GRIB”), Earnings Based Death Benefit Rider (“EBDB”), Safeguard Enhanced Death Benefit Rider and/or Safeguard Plus Enhanced Death Benefit Rider. The fees for such benefits are recorded through redemption of units. These fees are calculated on an “Asset Base” basis.		0.15-0.75%
Transfer Charge
The Company currently allows unlimited transfers without charge. The Company reserves the right to assess a transfer fee for the thirteenth and each subsequent transfer during a Contract Year. The charge would be assessed through the redemption of units.		0-$25
Investment Management Fees and other expenses
In some cases, the value of the net assets of each Subaccount is reduced by the Investment Management, 12b-1 fees and service fees and other expenses incurred by the corresponding portfolio in which the Subaccount invests. These fees and expenses are paid indirectly by the Contract Holder through the reduction of unit values.		0.1-1.42%
Redemption Fees
A Fund or Portfolio may assess a redemption fee on Subaccount assets that are redeemed out of the Fund or Portfolio in connection with a withdrawal or transfer. Each Fund or Portfolio determines the amount of the redemption fee and when the fee is imposed. The redemption fee is retained by or paid to the Fund or Portfolio and is not retained by the Company. The redemption fee is deducted from the Contract Value through the redemption of units.		0-2%
Applicable State Premium Taxes
Certain state and local governments impose a premium tax on Purchase Payments which, depending on the state, is paid by the Company at the time a Purchase Payment is received from the Contract Holder or at the time the Contract is annuitized. If the Contract Holder lives in a state where premium taxes are paid at the time a Purchase Payment is received, the Company reserves the right to deduct the amount of the premium tax payable from the Contract Value at the time the Purchase Payment is received. If the Contract Holder lives in a state where premium taxes are paid at time of annuitization, the amount of the premium tax payable will be deducted from the Contract Value.		0-3.5%

Related Party Transactions

Policy loans are also provided for under the terms of the policy. The minimum amount of the loan under Advantage III, Preferred and Preferred Plus policies is $1,000 and the contract must have at least $1,500 value. The minimum amount of loan under Archway and ZS4 policies is $1,000 and is limited to 80% of the policy value, less applicable surrender charges. The minimum amount of loan under Destination policies is $1,000 and maximum loan amount available is 50% of contract value or $50,000 whichever is lesser. Farmers Variable Annuity I and Passport policies do not have loan privileges. Interest is assessed against a policy loan under the terms of the Policy. The balance of loans outstanding as of December 31, 2018, was $2,376,945. Policy loans are carried in the ZALICO general account.

43

ZALICO Variable Annuity Separate Account

of Zurich American Life Insurance Company

Notes to Financial Statements

(4) Expenses and Related Party Transactions:

Investment Distributors, Inc., a wholly-owned subsidiary of Protective Life Insurance Company, is the principal underwriter for the Separate Account with the exception of the Scudder Destinations and Farmers Variable Annuity I contracts. BFP Securities LLC, an affiliate of the Company, is also the primary wholesaling distributor of the Company’s BOLI products.

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44

ZALICO Variable Annuity Separate Account

of Zurich American Life Insurance Company

Notes to Financial Statements

(5) Changes in Units Outstanding:

The changes in units outstanding for the years ended December 31, 2018 and 2017 were as follows:

	Units Issued		Units Redeemed		Net Increase / (Decrease)
The Alger Portfolios:
Alger Balanced
2018		55,538		77,573		(22,035	)
2017		81,101		458,110		(377,009	)
Alger Capital Appreciation
2018		138,163		153,740		(15,577	)
2017		175,001		1,447,649		(1,272,648	)
Alger Large Cap Growth I-2
2018		11,990		13,855		(1,865	)
2017		9,582		18,797		(9,215	)
Alger Mid Cap Growth I-2
2018		13,117		27,905		(14,788	)
2017		20,533		27,715		(7,182	)
Alger Small Cap Growth I-2
2018		10,087		9,443		644
2017		9,034		18,457		(9,423	)
American Century Variable Portfolios, Inc.:
American Century VP Income & Growth
2018		37,623		85,805		(48,182	)
2017		68,595		165,501		(96,906	)
American Century VP Value
2018		50,143		150,260		(100,117	)
2017		70,379		156,904		(86,525	)
Deutsche Variable Series I:
DWS Bond VIP A
2018		162,021		567,744		(405,723	)
2017		355,288		975,534		(620,246	)
DWS Capital Growth VIP A
2018		150,900		582,970		(432,070	)
2017		185,054		2,445,747		(2,260,693	)
DWS Capital Growth VIP B
2018		—		93		(93	)
2017		—		154		(154	)
DWS Core Equity VIP A
2018		86,503		250,995		(164,492	)
2017		107,537		1,021,177		(913,640	)
DWS Core Equity VIP B
2018		27		315		(288	)
2017		157		1		156
DWS CROCI® International VIP A
2018		63,907		201,829		(137,922	)
2017		320,322		969,499		(649,177	)

45

ZALICO Variable Annuity Separate Account

of Zurich American Life Insurance Company

Notes to Financial Statements

(5) Changes in Units Outstanding:

	Units Issued		Units Redeemed		Net Increase / (Decrease)
DWS CROCI® International VIP B
2018		—		—		—
2017		—		1		(1	)
DWS Global Small Cap VIP A
2018		29,695		74,474		(44,779	)
2017		35,627		455,646		(420,019	)
Deutsche Variable Series II:
DWS Global Equity A
2018		218,025		685,763		(467,738	)
2017		223,199		1,275,266		(1,052,067	)
DWS International Growth VIP A
2018		68,300		109,041		(40,741	)
2017		100,129		366,333		(266,204	)
DWS International Growth VIP B
2018		30		—		30
2017		216		—		216
DWS Global Income Builder VIP A
2018		247,182		1,394,641		(1,147,459	)
2017		257,803		1,835,697		(1,577,894	)
DWS Government & Agency Securities VIP A
2018		283,414		812,237		(528,823	)
2017		389,962		1,486,945		(1,096,983	)
DWS Government & Agency Securities VIP B
2018		111		664		(553	)
2017		687		529		158
DWS Government Money Market VIP A
2018		3,878,392		4,356,553		(478,161	)
2017		4,562,459		5,531,301		(968,842	)
DWS High Income VIP A
2018		471,669		1,028,677		(557,008	)
2017		424,773		1,266,267		(841,494	)
DWS High Income VIP B
2018		3		323		(320	)
2017		14		94		(80	)
DWS CROCI® U.S. VIP A
2018		159,894		868,667		(708,773	)
2017		285,322		2,617,052		(2,331,730	)
DWS CROCI® U.S. VIP B
2018		8		507		(499	)
2017		25		244		(219	)
DWS Small Mid Cap Growth VIP A
2018		520,559		950,625		(430,066	)
2017		359,786		2,608,509		(2,248,723	)
DWS Small Mid Cap Value VIP A
2018		154,432		696,849		(542,417	)
2017		389,064		1,823,792		(1,434,728	)
DWS Small Mid Cap Value VIP B
2018		—		116		(116	)
2017		0		213		(213	)

46

ZALICO Variable Annuity Separate Account

of Zurich American Life Insurance Company

Notes to Financial Statements

(5) Changes in Units Outstanding:

	Units Issued		Units Redeemed		Net Increase / (Decrease)
DWS Multisector Income VIP A
2018		36,552		103,575		(67,023	)
2017		42,875		310,993		(268,118	)
Deutsche Investments VIT Funds:
DWS Equity 500 Index VIP A
2018		98,691		295,797		(197,106	)
2017		288,154		2,100,452		(1,812,298	)
DWS Equity 500 Index VIP B2
2018		10		387		(377	)
2017		17		1		16
Dreyfus Investment Portfolios:
Dreyfus I.P. Mid Cap Stock A
2018		36,385		128,706		(92,321	)
2017		37,961		615,414		(577,453	)
Dreyfus I.P. Mid Cap Stock		SC
2018		11,239		21,892		(10,653	)
2017		26,945		27,111		(166	)
The Dreyfus Socially Responsible Growth Fund, Inc:
The Dreyfus Sustainable U.S. Equity Portfolio, Inc. I-S
2018		7,478		42,975		(35,497	)
2017		16,941		88,168		(71,227	)
The Dreyfus Sustainable U.S. Equity Portfolio, Inc. S-S
2018		2		—		2
2017		2		—		2
Fidelity Variable Insurance Products Funds:
Fidelity VIP Asset Manager
2018		3,843		16,671		(12,828	)
2017		5,338		10,116		(4,778	)
Fidelity VIP Contrafund
2018		48,458		127,269		(78,811	)
2017		63,256		139,480		(76,224	)
Fidelity VIP Equity Income
2018		18,405		61,292		(42,887	)
2017		26,474		67,646		(41,172	)
Fidelity VIP Growth
2018		20,417		34,487		(14,070	)
2017		18,976		43,111		(24,135	)
Fidelity VIP Index 500
2018		13,978		34,243		(20,265	)
2017		15,856		33,436		(17,580	)
Fidelity VIP Index 500—SC
2018		225		1,460		(1,235	)
2017		500		2,526		(2,026	)

47

ZALICO Variable Annuity Separate Account

of Zurich American Life Insurance Company

Notes to Financial Statements

(5) Changes in Units Outstanding:

	Units Issued		Units Redeemed		Net Increase / (Decrease)
Franklin Templeton Variable Insurance Products Trust:
Franklin Mutual Global Discovery VIP Fund CL 2
2018		27,698		93,660		(65,962	)
2017		44,708		100,788		(56,080	)
Franklin Mutual Shares VIP Fund CL 2
2018		18,928		30,326		(11,398	)
2017		24,455		57,909		(33,454	)
Franklin Rising Dividends VIP Fund CL 2
2018		15,073		40,428		(25,355	)
2017		25,060		74,117		(49,057	)
Franklin Small Cap Value VIP Fund CL 2
2018		6,291		18,902		(12,611	)
2017		17,382		41,504		(24,122	)
Franklin Strategic Income VIP Fund CL 2
2018		28,419		73,334		(44,915	)
2017		51,508		87,696		(36,188	)
Franklin U.S. Government Securities VIP Fund CL 2
2018		8,567		26,609		(18,042	)
2017		25,882		31,609		(5,727	)
Templeton Developing Markets VIP Fund CL 2
2018		10,381		26,882		(16,501	)
2017		17,129		21,953		(4,824	)
Invesco Variable Insurance Funds:
Invesco V.I. Diversified Dividend Fund Series I
2018		4,685		22,237		(17,552	)
2017		6,553		31,985		(25,432	)
Invesco V.I. Health Care Fund
2018		7,868		14,734		(6,866	)
2017		14,225		30,185		(15,960	)
Invesco V.I. Global Real Estate Fund Series I
2018		10,384		31,268		(20,884	)
2017		16,981		33,958		(16,977	)
Invesco V.I. Managed Volatility Fund Series I
2018		9,420		87,074		(77,654	)
2017		51,595		355,718		(304,123	)
Janus Aspen Series:
Janus Henderson Balanced Portfolio I-S
2018		44,759		113,970		(69,211	)
2017		68,590		158,792		(90,202	)
Janus Henderson Enterprise Portfolio I-S
2018		23,064		80,521		(57,457	)
2017		50,439		103,690		(53,251	)
Janus Henderson Forty Portfolio I-S
2018		14,049		—		14,049
2017		—		330		(330	)
Janus Henderson Global Research Portfolio I-S
2018		19,749		73,560		(53,811	)
2017		24,997		115,782		(90,785	)

48

ZALICO Variable Annuity Separate Account

of Zurich American Life Insurance Company

Notes to Financial Statements

(5) Changes in Units Outstanding:

	Units Issued		Units Redeemed		Net Increase / (Decrease)
Janus Henderson Research Portfolio I-S
2018		14,798		61,920		(47,122	)
2017		28,991		97,124		(68,133	)
Janus Henderson Mid Cap Value Portfolio S-S
2018		5,843		14,452		(8,609	)
2017		16,596		20,487		(3,891	)
JPMorgan Insurance Trust:
JPMorgan Insurance Trust Core Bond
2018		1,014		4,935		(3,921	)
2017		6,151		22,883		(16,732	)
JPMorgan Insurance Trust Intrepid MidCap
2018		—		—		—
2017		7,792		139,265		(131,473	)
JPMorgan Insurance Trust Mid Cap Value
2018		12,693		34,702		(22,009	)
2017		28,544		82,098		(53,554	)
JPMorgan Insurance Trust Small Cap Core
2018		11,967		17,190		(5,223	)
2017		13,359		29,910		(16,551	)
JPMorgan Insurance Trust US Equity
2018		3,742		13,567		(9,825	)
2017		13,195		9,759		3,436
Oppenheimer Variable Account Funds:
Oppenheimer Capital Appreciation
2018		2,631		14,367		(11,736	)
2017		9,999		17,657		(7,658	)
Oppenheimer Discovery Mid Cap Growth Fund S-S
2018		7,637		18,364		(10,727	)
2017		6,370		8,038		(1,668	)
Oppenheimer Global Fund S-S
2018		38,361		89,231		(50,870	)
2017		48,184		111,740		(63,556	)
Oppenheimer Global Strategic Income VA
2018		27,259		60,667		(33,408	)
2017		30,825		65,709		(34,884	)
Oppenheimer Main Street
2018		8,693		26,015		(17,322	)
2017		18,922		45,275		(26,353	)
Oppenheimer Main Street Small Cap Fund S-S
2018		12,074		37,193		(25,119	)
2017		32,736		44,045		(11,309	)
PIMCO Variable Insurance Trust:
PIMCO PVIT International Bond (U.S. Dollar-Hedged)
2018		8		153		(145	)
2017		12		41		(29	)
PIMCO Low Duration ADM
2018		20		429		(409	)
2017		23		19		4

49

ZALICO Variable Annuity Separate Account

of Zurich American Life Insurance Company

Notes to Financial Statements

(5) Changes in Units Outstanding:

	Units Issued		Units Redeemed		Net Increase / (Decrease)
Voya Global Resources Trust:
Voya Global Equity Portfolio
2018		15,936		59,791		(43,855	)
2017		25,924		62,726		(36,802	)
Voya Investors Trust:
VY JPMorgan Emerging Markets Equity Portfolio Class I
2018		18,186		25,301		(7,115	)
2017		11,117		23,575		(12,458	)

The remainder of this page is intentionally left blank

50

ZALICO Variable Annuity Separate Account

of Zurich American Life Insurance Company

Notes to Financial Statements

(6) Unit Values and Financial Highlights:

ZALICO sells a number of variable annuity products, as discussed in Note 1, that are funded by the Separate Account. These products have unique combinations of features and fees that are charged against the contract owner’s account. Differences in the fee structures result in a variety of unit values, expense ratios, and total returns. The following tables were developed by determining which products offered by ZALICO and funded by the Separate Account have the highest and lowest expense ratios. The summaries may not reflect or directly equate to the minimum and maximum charges offered by ZALICO, as contract owners may not have selected all available and applicable contract options. A summary of the units outstanding, unit fair values, net assets for variable annuity contracts, net investment income ratios, the expense ratios, excluding expenses of the underlying funds, and total returns for each of the five years in the period ended December 31, 2018, were as follows.

	At December 31,								For the year ended December 31,
							Net Assets		Investment
	Units		Unit Fair Value				(1)		Income			Expense Ratio (3)						Total Return (4)
	(000s)		Lowest		Highest		(000s)		Ratio (2)			Lowest			Highest			Lowest			Highest
Alger Portfolios:
Alger Balanced
2018		897	$	18.048	$	18.048	$	16,184		4.19	%		1.40	%		1.40	%		-4.67	%		-4.67	%
2017		919		18.931		18.931		17,393		2.48	%		1.40	%		1.40	%		13.85	%		13.85	%
2016		1,296		16.628		16.628		21,546		1.80	%		1.40	%		1.40	%		7.01	%		7.01	%
2015		1,540		15.538		15.538		23,923		1.63	%		1.40	%		1.40	%		0.07	%		0.07	%
2014		2,488		15.528		15.528		38,629		1.95	%		1.40	%		1.40	%		7.92	%		7.92	%
Alger Capital Appreciation
2018		1,435	$	26.912	$	26.912	$	38,617		0.09	%		1.40	%		1.40	%		-1.49	%		-1.49	%
2017		1,451		27.318		27.318		39,626		0.13	%		1.40	%		1.40	%		29.28	%		29.28	%
2016		2,723		21.131		21.131		57,545		0.16	%		1.40	%		1.40	%		-0.88	%		-0.88	%
2015		3,533		21.320		21.320		75,321		0.08	%		1.40	%		1.40	%		4.72	%		4.72	%
2014		4,503		20.358		20.358		91,667		0.10	%		1.40	%		1.40	%		12.18	%		12.18	%
Alger Capital Appreciation S
2018		—	$	38.454	$	40.694	$	—		N/A			1.70	%		2.05	%		-2.38	%		-2.04	%
2017		—		39.392		41.543		—		N/A			1.70	%		2.05	%		28.12	%		28.56	%
2016		—		30.746		32.315		—		N/A			1.70	%		2.05	%		-1.79	%		-1.45	%
2015		—		31.306		32.790		4		N/A			1.70	%		2.05	%		3.79	%		4.14	%
2014		—		30.164		31.486		—		N/A			1.70	%		2.05	%		11.17	%		11.55	%
Alger Large Cap Growth I-2
2018		93	$	74.596	$	116.312	$	9,975		N/A			1.00	%		2.25	%		-0.06	%		1.19	%
2017		95		74.637		114.945		10,065		N/A			1.00	%		2.25	%		25.65	%		27.20	%
2016		104		59.402		90.368		8,732		N/A			1.00	%		2.25	%		-3.00	%		-1.81	%
2015		123		61.242		92.031		10,520		N/A			1.00	%		2.25	%		-0.52	%		0.71	%
2014		132		61.563		91.383		11,254		0.16	%		1.00	%		2.25	%		8.55	%		9.89	%
Alger Mid Cap Growth I-2
2018		135	$	51.099	$	63.133	$	7,989		N/A			1.00	%		2.25	%		-9.49	%		-8.37	%
2017		150		56.460		68.898		9,663		N/A			1.00	%		2.25	%		26.94	%		28.51	%
2016		157		44.476		53.613		7,903		N/A			1.00	%		2.25	%		-1.24	%		-0.02	%
2015		180		45.035		53.625		9,114		N/A			1.00	%		2.25	%		-3.73	%		-2.54	%
2014		203		46.781		55.022		10,588		N/A			1.00	%		2.25	%		5.64	%		6.94	%
Alger Small Cap Growth I-2
2018		71	$	43.262	$	102.733	$	6,302		N/A			1.00	%		2.25	%		-0.81	%		0.43	%
2017		70		43.615		102.297		6,205		N/A			1.00	%		2.25	%		25.91	%		27.46	%
2016		79		34.641		80.258		5,518		N/A			1.00	%		2.25	%		3.91	%		5.19	%
2015		94		33.338		76.298		6,281		N/A			1.00	%		2.25	%		-5.45	%		-4.28	%
2014		102		35.258		79.706		7,104		N/A			1.00	%		2.25	%		-1.77	%		-0.56	%
American Century Variable Portfolios, Inc.:
American Century VP Income & Growth
2018		601	$	12.085	$	14.896	$	8,432		2.01	%		1.00	%		2.25	%		-8.93	%		-7.79	%
2017		649		13.270		16.155		9,922		2.30	%		1.00	%		2.25	%		17.84	%		19.30	%
2016		746		11.261		13.542		9,579		2.36	%		1.00	%		2.25	%		10.99	%		12.36	%
2015		778		10.145		12.052		8,924		2.09	%		1.00	%		2.25	%		-7.70	%		-6.56	%
2014		822		10.991		12.897		10,126		2.00	%		1.00	%		2.25	%		10.03	%		11.39	%

51

ZALICO Variable Annuity Separate Account

of Zurich American Life Insurance Company

Notes to Financial Statements

(6) Unit Values and Financial Highlights:

	At December 31,								For the year ended December 31,
							Net Assets		Investment
	Units		Unit Fair Value				(1)		Income			Expense Ratio (3)						Total Return (4)
	(000s)		Lowest		Highest		(000s)		Ratio (2)			Lowest			Highest			Lowest			Highest
American Century VP Value
2018		537	$	15.058	$	19.502	$	9,810		1.70	%		1.00	%		2.25	%		-11.16	%		-10.06	%
2017		637		16.949		21.682		12,956		1.59	%		1.00	%		2.25	%		6.36	%		7.67	%
2016		723		15.936		20.137		13,716		1.71	%		1.00	%		2.25	%		17.84	%		19.29	%
2015		802		13.524		16.881		12,796		2.14	%		1.00	%		2.25	%		-6.00	%		-4.84	%
2014		853		14.387		17.738		14,347		1.54	%		1.00	%		2.25	%		10.59	%		11.96	%
Deutsche Variable Series I:
DWS Bond VIP A
2018		1,928	$	1.652	$	11.488	$	18,989		4.38	%		1.00	%		2.25	%		-4.81	%		-3.62	%
2017		2,335		1.718		15.266		22,245		2.65	%		1.00	%		2.25	%		3.51	%		4.79	%
2016		2,955		1.644		14.627		27,724		4.87	%		1.00	%		2.25	%		3.60	%		4.88	%
2015		3,277		1.571		14.001		29,736		3.47	%		1.00	%		2.25	%		-2.49	%		-1.28	%
2014		4,924		1.595		14.239		48,091		3.50	%		1.00	%		2.25	%		4.29	%		5.58	%
DWS Capital Growth VIP A
2018		4,968	$	24.496	$	52.942	$	150,114		0.77	%		1.00	%		2.25	%		-3.78	%		-2.58	%
2017		5,400		25.244		54.342		168,621		0.81	%		1.00	%		2.25	%		23.53	%		25.05	%
2016		7,661		20.266		43.455		184,491		0.74	%		1.00	%		2.25	%		1.96	%		3.22	%
2015		9,862		19.713		42.101		225,801		0.80	%		1.00	%		2.25	%		6.23	%		7.54	%
2014		14,366		18.403		39.148		296,849		0.62	%		1.00	%		2.25	%		10.49	%		11.85	%
DWS Capital Growth VIP B
2018		7	$	27.569	$	29.175	$	187		0.51	%		1.70	%		2.05	%		-3.85	%		-3.52	%
2017		7		28.674		30.240		197		0.47	%		1.70	%		2.05	%		23.44	%		23.87	%
2016		7		23.229		24.413		163		0.50	%		1.70	%		2.05	%		1.91	%		2.26	%
2015		7		22.792		23.873		165		0.39	%		1.70	%		2.05	%		6.15	%		6.52	%
2014		7		21.471		22.412		158		0.32	%		1.70	%		2.05	%		10.40	%		10.78	%
DWS Core Equity VIP A
2018		2,161	$	19.691	$	25.202	$	43,559		1.89	%		1.00	%		2.05	%		-7.59	%		-6.62	%
2017		2,330		21.172		26.990		50,550		1.33	%		1.00	%		2.05	%		18.60	%		19.82	%
2016		3,244		17.739		22.525		58,655		1.29	%		1.00	%		2.05	%		8.27	%		9.39	%
2015		4,051		16.281		20.591		67,119		1.01	%		1.00	%		2.05	%		3.13	%		4.21	%
2014		6,453		15.686		19.760		102,506		1.08	%		1.00	%		2.05	%		9.58	%		10.72	%
DWS Core Equity VIP B
2018		3	$	24.401	$	25.823	$	79		1.50	%		1.70	%		2.05	%		-7.92	%		-7.60	%
2017		3		26.501		27.948		93		0.87	%		1.70	%		2.05	%		18.27	%		18.67	%
2016		3		22.407		23.550		75		1.12	%		1.70	%		2.05	%		8.04	%		8.41	%
2015		3		20.739		21.723		73		0.50	%		1.70	%		2.05	%		2.80	%		3.16	%
2014		4		20.174		21.058		93		0.90	%		1.70	%		2.05	%		9.28	%		9.65	%
DWS CROCI® International VIP A
2018		1,272	$	9.453	$	13.739	$	12,422		1.09	%		1.00	%		2.25	%		-16.29	%		-15.25	%
2017		1,411		11.199		16.210		16,336		8.31	%		1.00	%		2.25	%		19.29	%		20.76	%
2016		2,060		9.310		13.424		19,716		9.10	%		1.00	%		2.25	%		-1.47	%		-0.26	%
2015		2,591		9.371		13.458		24,823		5.16	%		1.00	%		2.25	%		-7.56	%		-6.42	%
2014		3,289		10.054		14.381		33,698		1.78	%		1.00	%		2.25	%		-13.71	%		-12.64	%
DWS CROCI® International VIP B
2018		2	$	11.425	$	12.091	$	29		0.82	%		1.70	%		2.05	%		-16.30	%		-16.01	%
2017		2		13.650		14.395		34		6.78	%		1.70	%		2.05	%		19.33	%		19.74	%
2016		2		11.439		12.023		29		9.77	%		1.70	%		2.05	%		-1.53	%		-1.19	%
2015		3		11.617		12.168		31		3.96	%		1.70	%		2.05	%		-7.61	%		-7.29	%
2014		3		12.573		13.124		36		1.51	%		1.70	%		2.05	%		-13.75	%		-13.45	%

52

ZALICO Variable Annuity Separate Account

of Zurich American Life Insurance Company

Notes to Financial Statements

(6) Unit Values and Financial Highlights:

	At December 31,								For the year ended December 31,
							Net Assets		Investment
	Units		Unit Fair Value				(1)		Income			Expense Ratio (3)						Total Return (4)
	(000s)		Lowest		Highest		(000s)		Ratio (2)			Lowest			Highest			Lowest			Highest
DWS Global Small Cap VIP A
2018		839	$	26.112	$	26.112	$	21,918		0.30	%		1.40	%		1.40	%		-21.61	%		-21.61	%
2017		884		33.311		33.311		29,453		N/A			1.40	%		1.40	%		18.37	%		18.37	%
2016		1,304		28.141		28.141		36,701		0.35	%		1.40	%		1.40	%		0.17	%		0.17	%
2015		1,695		28.094		28.094		47,619		1.14	%		1.40	%		1.40	%		-0.24	%		-0.24	%
2014		2,506		28.160		28.160		70,580		0.89	%		1.40	%		1.40	%		-5.45	%		-5.45	%
Deutsche Variable Series II:
DWS Global Equity A
2018		4,999	$	2.565	$	18.597	$	24,336		0.79	%		1.00	%		2.05	%		-12.91	%		-12.00	%
2017		5,467		2.945		21.281		29,891		0.56	%		1.00	%		2.05	%		21.56	%		22.82	%
2016		6,519		2.423		17.447		31,849		0.71	%		1.00	%		2.05	%		3.99	%		5.06	%
2015		7,438		2.330		16.721		35,702		0.63	%		1.00	%		2.05	%		-3.73	%		-2.72	%
2014		9,212		2.420		17.308		51,733		1.78	%		1.00	%		2.05	%		-0.89	%		0.14	%
DWS International Growth VIP A
2018		643	$	19.074	$	19.074	$	12,256		1.04	%		1.40	%		1.40	%		-17.85	%		-17.85	%
2017		683		23.217		23.217		15,865		0.42	%		1.40	%		1.40	%		23.74	%		23.74	%
2016		950		18.763		18.763		17,816		0.77	%		1.40	%		1.40	%		2.28	%		2.28	%
2015		1,234		18.344		18.344		22,645		0.96	%		1.40	%		1.40	%		-2.59	%		-2.59	%
2014		1,803		18.832		18.832		33,951		1.04	%		1.40	%		1.40	%		-1.27	%		-1.27	%
DWS International Growth VIP B
2018		3	$	18.258	$	19.321	$	52		0.77	%		1.70	%		2.05	%		-18.60	%		-18.32	%
2017		3		22.429		23.654		63		0.08	%		1.70	%		2.05	%		22.75	%		23.17	%
2016		2		18.271		19.203		47		0.51	%		1.70	%		2.05	%		1.31	%		1.66	%
2015		2		18.035		18.890		46		0.47	%		1.70	%		2.05	%		-3.53	%		-3.20	%
2014		2		18.696		19.515		42		0.65	%		1.70	%		2.05	%		-2.25	%		-1.91	%
DWS Global Income Builder VIP A
2018		8,255	$	2.998	$	16.631	$	83,425		3.95	%		1.00	%		2.25	%		-9.71	%		-8.58	%
2017		9,403		3.321		18.319		103,315		3.10	%		1.00	%		2.25	%		13.98	%		15.39	%
2016		10,981		2.913		15.985		105,887		4.03	%		1.00	%		2.25	%		4.47	%		5.76	%
2015		12,580		2.782		15.219		116,520		3.34	%		1.00	%		2.25	%		-3.61	%		-2.42	%
2014		14,994		2.858		15.705		147,861		3.12	%		1.00	%		2.25	%		1.55	%		2.80	%
DWS Government & Agency Securities VIP A
2018		2,982	$	1.528	$	17.201	$	16,460		2.74	%		1.00	%		2.25	%		-1.68	%		-0.45	%
2017		3,511		1.555		17.348		19,113		2.82	%		1.00	%		2.25	%		-0.56	%		0.67	%
2016		4,608		1.563		17.301		27,583		3.08	%		1.00	%		2.25	%		-1.07	%		0.15	%
2015		6,126		1.580		17.344		37,512		3.06	%		1.00	%		2.25	%		-2.22	%		-1.01	%
2014		7,035		1.616		17.591		52,359		2.43	%		1.00	%		2.25	%		2.98	%		4.25	%
DWS Government & Agency Securities VIP B
2018		8	$	11.800	$	12.488	$	102		2.29	%		1.70	%		2.05	%		-1.83	%		-1.49	%
2017		9		12.020		12.677		111		2.10	%		1.70	%		2.05	%		-0.72	%		-0.38	%
2016		9		12.108		12.725		109		2.72	%		1.70	%		2.05	%		-1.23	%		-0.89	%
2015		9		12.259		12.840		118		2.43	%		1.70	%		2.05	%		-2.37	%		-2.03	%
2014		9		12.556		13.106		118		2.02	%		1.70	%		2.05	%		2.84	%		3.20	%
DWS Government Money Market VIP A (5)
2018		8,042	$	0.844	$	16.770	$	26,575		1.24	%		0.00	%		2.25	%		-0.85	%		1.39	%
2017		8,520		0.851		16.855		28,321		0.45	%		0.00	%		2.25	%		-1.75	%		0.45	%
2016		9,489		0.866		17.097		34,765		0.05	%		0.00	%		2.25	%		-2.14	%		0.06	%
2015		12,361		0.885		17.412		51,196		0.01	%		0.00	%		2.25	%		-2.19	%		0.02	%
2014		15,934		0.905		17.741		73,011		0.01	%		0.00	%		2.25	%		-2.19	%		0.02	%

53

ZALICO Variable Annuity Separate Account

of Zurich American Life Insurance Company

Notes to Financial Statements

(6) Unit Values and Financial Highlights:

	At December 31,								For the year ended December 31,
							Net Assets		Investment
	Units		Unit Fair Value				(1)		Income			Expense Ratio (3)						Total Return (4)
	(000s)		Lowest		Highest		(000s)		Ratio (2)			Lowest			Highest			Lowest			Highest
DWS High Income VIP A
2018		3,310	$	1.600	$	20.286	$	37,131		8.38	%		1.00	%		2.25	%		-4.67	%		-3.49	%
2017		3,867		1.679		22.086		44,754		6.41	%		1.00	%		2.25	%		5.15	%		6.44	%
2016		4,709		1.596		20.830		53,576		6.10	%		1.00	%		2.25	%		10.39	%		11.75	%
2015		5,389		1.446		18.714		57,348		7.27	%		1.00	%		2.25	%		-6.54	%		-5.38	%
2014		6,895		1.547		19.857		83,150		6.94	%		1.00	%		2.25	%		-0.76	%		0.47	%
DWS High Income VIP B
2018		—	$	20.438	$	21.629	$	8		5.92	%		1.70	%		2.05	%		-4.72	%		-4.39	%
2017		1		21.451		22.623		16		5.43	%		1.70	%		2.05	%		5.06	%		5.42	%
2016		1		20.418		21.459		17		5.11	%		1.70	%		2.05	%		10.42	%		10.79	%
2015		1		18.492		19.368		20		6.06	%		1.70	%		2.05	%		-6.86	%		-6.54	%
2014		1		19.853		20.722		23		8.20	%		1.70	%		2.05	%		-0.81	%		-0.47	%
DWS CROCI® U.S. VIP A
2018		6,546	$	2.893	$	19.575	$	77,218		2.63	%		1.00	%		2.05	%		-12.31	%		-11.39	%
2017		7,300		3.299		22.178		96,052		1.74	%		1.00	%		2.05	%		20.42	%		21.67	%
2016		9,631		2.740		18.300		113,020		0.89	%		1.00	%		2.05	%		-6.30	%		-5.33	%
2015		12,042		2.924		19.408		156,494		1.71	%		1.00	%		2.05	%		-8.74	%		-7.79	%
2014		16,681		3.204		21.132		257,567		1.71	%		1.00	%		2.05	%		8.49	%		9.62	%
DWS CROCI® U.S. VIP B
2018		8	$	16.777	$	17.754	$	135		2.22	%		1.70	%		2.05	%		-12.51	%		-12.21	%
2017		8		19.176		20.223		164		1.18	%		1.70	%		2.05	%		20.00	%		20.41	%
2016		9		15.980		16.795		140		0.66	%		1.70	%		2.05	%		-6.53	%		-6.21	%
2015		9		17.097		17.908		151		1.15	%		1.70	%		2.05	%		-9.03	%		-8.72	%
2014		9		18.794		19.618		168		1.46	%		1.70	%		2.05	%		8.14	%		8.51	%
DWS Small Mid Cap Growth VIP A
2018		7,007	$	1.773	$	22.418	$	48,578		N/A			1.00	%		2.25	%		-15.50	%		-14.45	%
2017		7,439		2.098		26.387		59,223		0.12	%		1.00	%		2.25	%		19.44	%		20.91	%
2016		9,687		1.757		21.974		74,757		N/A			1.00	%		2.25	%		6.68	%		8.00	%
2015		11,606		1.647		20.487		87,773		N/A			1.00	%		2.25	%		-3.08	%		-1.88	%
2014		14,332		1.699		21.024		120,539		N/A			1.00	%		2.25	%		3.37	%		4.65	%
DWS Small Mid Cap Value VIP A
2018		5,347	$	3.538	$	35.017	$	45,858		1.44	%		1.00	%		2.25	%		-17.87	%		-16.85	%
2017		5,889		4.300		42.218		60,980		0.82	%		1.00	%		2.25	%		8.10	%		9.43	%
2016		7,324		3.970		38.675		80,883		0.54	%		1.00	%		2.25	%		14.32	%		15.73	%
2015		8,529		3.466		33.499		86,381		0.34	%		1.00	%		2.25	%		-4.07	%		-2.88	%
2014		10,175		3.606		34.579		121,112		0.81	%		1.00	%		2.25	%		3.21	%		4.48	%
DWS Small Mid Cap Value VIP B
2018		4	$	26.744	$	30.881	$	117		1.06	%		1.70	%		2.05	%		-18.02	%		-17.73	%
2017		4		32.621		37.537		146		0.35	%		1.70	%		2.05	%		7.93	%		8.30	%
2016		5		30.226		34.662		141		0.21	%		1.70	%		2.05	%		14.14	%		14.53	%
2015		5		26.482		30.265		141		N/A			1.70	%		2.05	%		-4.18	%		-3.85	%
2014		5		27.636		31.476		152		0.46	%		1.70	%		2.05	%		2.98	%		3.34	%
DWS Multisector Income VIP A
2018		540	$	2.088	$	19.497	$	8,019		7.14	%		1.25	%		2.05	%		-3.64	%		-2.88	%
2017		607		2.150		20.104		9,252		0.99	%		1.25	%		2.05	%		4.65	%		5.47	%
2016		875		2.039		19.090		13,805		7.74	%		1.25	%		2.05	%		-1.52	%		-0.74	%
2015		1,143		2.054		19.261		18,807		5.05	%		1.25	%		2.05	%		-4.96	%		-4.21	%
2014		1,945		2.144		20.138		35,589		5.03	%		1.25	%		2.05	%		0.17	%		0.97	%

54

ZALICO Variable Annuity Separate Account

of Zurich American Life Insurance Company

Notes to Financial Statements

(6) Unit Values and Financial Highlights:

	At December 31,								For the year ended December 31,
							Net Assets		Investment
	Units		Unit Fair Value				(1)		Income			Expense Ratio (3)						Total Return (4)
	(000s)		Lowest		Highest		(000s)		Ratio (2)			Lowest			Highest			Lowest			Highest
Deutsche Investments VIT Funds:
DWS Equity 500 Index VIP A
2018		2,885	$	21.689	$	21.689	$	62,564		1.75	%		1.40	%		1.40	%		-5.98	%		-5.98	%
2017		3,082		23.067		23.067		71,087		2.12	%		1.40	%		1.40	%		19.86	%		19.86	%
2016		4,894		19.245		19.245		94,185		1.85	%		1.40	%		1.40	%		10.07	%		10.07	%
2015		5,191		17.484		17.484		90,752		1.84	%		1.40	%		1.40	%		-0.27	%		-0.27	%
2014		7,044		17.530		17.530		123,490		1.77	%		1.40	%		1.40	%		11.83	%		11.83	%
DWS Equity 500 Index VIP B2
2018		—	$	18.959	$	19.845	$	1		2.33	%		1.70	%		2.05	%		-6.92	%		-6.60	%
2017		—		20.369		21.247		10		1.35	%		1.70	%		2.05	%		18.64	%		19.04	%
2016		—		17.169		17.848		8		1.63	%		1.70	%		2.05	%		8.97	%		9.35	%
2015		—		15.755		16.323		7		0.46	%		1.70	%		2.05	%		-1.27	%		-0.93	%
2014		2		15.957		16.475		29		1.44	%		1.70	%		2.05	%		10.73	%		11.11	%
Dreyfus Investment Portfolios:
Dreyfus I.P. Mid Cap Stock A
2018		831	$	28.582	$	28.582	$	23,745		0.62	%		1.40	%		1.40	%		-16.66	%		-16.66	%
2017		923		34.297		34.297		31,659		1.27	%		1.40	%		1.40	%		13.79	%		13.79	%
2016		1,501		30.141		30.141		45,227		0.93	%		1.40	%		1.40	%		13.87	%		13.87	%
2015		1,837		26.468		26.468		48,623		0.71	%		1.40	%		1.40	%		-3.64	%		-3.64	%
2014		2,661		27.467		27.467		73,099		1.01	%		1.40	%		1.40	%		10.54	%		10.54	%
Dreyfus I.P. Mid Cap Stock SC
2018		137	$	24.467	$	29.668	$	3,847		0.36	%		1.00	%		2.25	%		-17.55	%		-16.53	%
2017		148		29.676		35.541		4,987		0.84	%		1.00	%		2.25	%		12.52	%		13.90	%
2016		148		26.374		31.203		4,395		0.81	%		1.00	%		2.25	%		12.67	%		14.06	%
2015		149		23.408		27.356		3,904		0.45	%		1.00	%		2.25	%		-4.66	%		-3.48	%
2014		153		24.552		28.342		4,159		0.75	%		1.00	%		2.25	%		9.30	%		10.65	%
The Dreyfus Sustainable U.S. Equity Fund:
The Dreyfus Sustainable U.S. Equity Portfolio, Inc. I-S
2018		159	$	14.145	$	54.253	$	3,924		1.92	%		1.00	%		2.25	%		-6.52	%		-5.35	%
2017		194		15.005		57.321		4,815		1.29	%		1.00	%		2.25	%		12.80	%		14.19	%
2016		265		13.191		50.196		5,399		1.18	%		1.00	%		2.25	%		7.95	%		9.28	%
2015		310		12.119		45.932		5,717		1.20	%		1.00	%		2.25	%		-5.33	%		-4.15	%
2014		491		12.694		47.922		8,659		0.97	%		1.00	%		2.25	%		10.96	%		12.33	%
The Dreyfus Sustainable U.S. Equity Portfolio, Inc. S-S
2018		—	$	20.824	$	22.037	$	4		1.57	%		1.70	%		2.05	%		-6.57	%		-6.24	%
2017		—		22.287		23.504		4		0.93	%		1.70	%		2.05	%		12.74	%		13.12	%
2016		—		19.769		20.777		4		0.99	%		1.70	%		2.05	%		7.87	%		8.24	%
2015		—		18.327		19.195		3		0.81	%		1.70	%		2.05	%		-5.36	%		-5.03	%
2014		—		19.364		20.212		4		0.85	%		1.70	%		2.05	%		10.86	%		11.24	%
Fidelity Variable Insurance Products Fund:
Fidelity VIP Asset Manager
2018		65	$	36.416	$	44.239	$	2,703		1.61	%		1.00	%		2.05	%		-7.26	%		-6.29	%
2017		78		39.268		47.209		3,461		1.86	%		1.00	%		2.05	%		11.82	%		12.98	%
2016		83		35.118		41.786		3,261		1.39	%		1.00	%		2.05	%		1.01	%		2.05	%
2015		96		34.768		40.946		3,708		1.61	%		1.00	%		2.05	%		-1.87	%		-0.85	%
2014		101		35.431		41.297		3,963		1.47	%		1.00	%		2.05	%		3.71	%		4.79	%

55

ZALICO Variable Annuity Separate Account

of Zurich American Life Insurance Company

Notes to Financial Statements

(6) Unit Values and Financial Highlights:

	At December 31,								For the year ended December 31,
							Net Assets		Investment
	Units		Unit Fair Value				(1)		Income			Expense Ratio (3)						Total Return (4)
	(000s)		Lowest		Highest		(000s)		Ratio (2)			Lowest			Highest			Lowest			Highest
Fidelity VIP Contrafund
2018		725	$	53.249	$	84.867	$	56,758		0.74	%		1.00	%		2.25	%		-8.45	%		-7.31	%
2017		804		58.163		91.559		68,007		1.00	%		1.00	%		2.25	%		19.20	%		20.67	%
2016		880		48.793		75.873		61,891		0.78	%		1.00	%		2.25	%		5.64	%		6.94	%
2015		958		46.190		70.950		63,223		1.00	%		1.00	%		2.25	%		-1.54	%		-0.33	%
2014		1,091		46.915		71.182		72,502		0.93	%		1.00	%		2.25	%		9.48	%		10.84	%
Fidelity VIP Equity Income
2018		276	$	39.977	$	68.281	$	17,102		2.24	%		1.00	%		2.25	%		-10.32	%		-9.21	%
2017		319		44.579		75.204		21,871		1.65	%		1.00	%		2.25	%		10.42	%		11.78	%
2016		360		40.373		67.279		22,125		2.18	%		1.00	%		2.25	%		15.43	%		16.85	%
2015		410		34.977		57.576		21,591		3.12	%		1.00	%		2.25	%		-6.08	%		-4.92	%
2014		452		37.240		60.552		25,193		2.74	%		1.00	%		2.25	%		6.33	%		7.64	%
Fidelity VIP Growth
2018		224	$	67.026	$	127.092	$	26,055		0.26	%		1.00	%		2.25	%		-2.38	%		-1.16	%
2017		238		68.659		128.587		28,108		0.22	%		1.00	%		2.25	%		32.17	%		33.80	%
2016		262		51.947		96.104		23,174		0.04	%		1.00	%		2.25	%		-1.41	%		-0.19	%
2015		294		52.691		96.291		26,114		0.26	%		1.00	%		2.25	%		4.82	%		6.11	%
2014		323		50.270		90.743		27,055		0.19	%		1.00	%		2.25	%		8.85	%		10.20	%
Fidelity VIP Index 500
2018		188	$	290.590	$	353.012	$	59,912		1.91	%		1.00	%		2.05	%		-6.42	%		-5.44	%
2017		208		310.530		373.330		71,514		1.77	%		1.00	%		2.05	%		19.28	%		20.51	%
2016		225		260.346		309.787		64,424		1.43	%		1.00	%		2.05	%		9.62	%		10.76	%
2015		240		237.501		279.705		61,921		1.93	%		1.00	%		2.05	%		-0.70	%		0.33	%
2014		268		239.179		278.782		69,021		1.60	%		1.00	%		2.05	%		11.29	%		12.45	%
Fidelity VIP Index 500 - SC
2018		6	$	25.632	$	302.184	$	1,878		1.54	%		1.25	%		2.25	%		-6.84	%		-5.91	%
2017		8		27.459		321.176		2,379		1.50	%		1.25	%		2.25	%		18.74	%		19.91	%
2016		10		23.080		267.842		2,509		1.30	%		1.25	%		2.25	%		9.13	%		10.21	%
2015		11		21.107		243.033		2,512		1.79	%		1.25	%		2.25	%		-1.14	%		-0.17	%
2014		11		21.309		243.436		2,677		1.40	%		1.25	%		2.25	%		10.80	%		11.89	%
Franklin Templeton Variable Insurance Products Trust:
Franklin Mutual Global Discovery VIP Fund CL 2
2018		451	$	25.440	$	30.847	$	13,250		2.36	%		1.00	%		2.25	%		-13.18	%		-12.10	%
2017		517		29.303		35.094		17,322		1.78	%		1.00	%		2.25	%		6.22	%		7.53	%
2016		573		27.588		32.638		17,913		1.59	%		1.00	%		2.25	%		9.71	%		11.07	%
2015		641		25.145		29.386		18,097		2.86	%		1.00	%		2.25	%		-5.77	%		-4.60	%
2014		697		26.685		30.804		20,703		2.11	%		1.00	%		2.25	%		3.38	%		4.66	%
Franklin Mutual Shares VIP Fund CL 2
2018		151	$	19.387	$	23.508	$	3,363		2.48	%		1.00	%		2.25	%		-11.08	%		-9.97	%
2017		162		21.802		26.112		4,031		2.19	%		1.00	%		2.25	%		5.97	%		7.28	%
2016		195		20.574		24.340		4,546		1.92	%		1.00	%		2.25	%		13.51	%		14.91	%
2015		213		18.125		21.182		4,328		3.13	%		1.00	%		2.25	%		-7.03	%		-5.88	%
2014		234		19.495		22.504		5,061		1.95	%		1.00	%		2.25	%		4.77	%		6.06	%
Franklin Rising Dividends VIP Fund CL 2
2018		227	$	25.064	$	30.392	$	6,552		1.29	%		1.00	%		2.25	%		-7.18	%		-6.02	%
2017		252		27.002		32.339		7,790		1.54	%		1.00	%		2.25	%		17.91	%		19.37	%
2016		301		22.900		27.092		7,819		1.39	%		1.00	%		2.25	%		13.50	%		14.90	%
2015		326		20.177		23.579		7,386		1.43	%		1.00	%		2.25	%		-5.77	%		-4.60	%
2014		385		21.412		24.717		9,168		1.31	%		1.00	%		2.25	%		6.33	%		7.65	%

56

ZALICO Variable Annuity Separate Account

of Zurich American Life Insurance Company

Notes to Financial Statements

(6) Unit Values and Financial Highlights:

	At December 31,								For the year ended December 31,
							Net Assets		Investment
	Units		Unit Fair Value				(1)		Income			Expense Ratio (3)						Total Return (4)
	(000s)		Lowest		Highest		(000s)		Ratio (2)			Lowest			Highest			Lowest			Highest
Franklin Small Cap Value VIP Fund CL 2
2018		125	$	29.116	$	35.306	$	4,181		0.94	%		1.00	%		2.25	%		-14.81	%		-13.74	%
2017		138		34.176		40.932		5,350		0.51	%		1.00	%		2.25	%		8.22	%		9.56	%
2016		162		31.579		37.360		5,767		0.79	%		1.00	%		2.25	%		27.33	%		28.90	%
2015		180		24.801		28.984		4,987		0.64	%		1.00	%		2.25	%		-9.43	%		-8.30	%
2014		211		27.381		31.608		6,408		0.60	%		1.00	%		2.25	%		-1.64	%		-0.42	%
Franklin Strategic Income VIP Fund CL 2
2018		231	$	15.852	$	19.222	$	4,223		2.75	%		1.00	%		2.25	%		-4.30	%		-3.11	%
2017		276		16.565		19.839		5,220		2.87	%		1.00	%		2.25	%		2.26	%		3.53	%
2016		312		16.198		19.163		5,722		3.97	%		1.00	%		2.25	%		5.57	%		6.87	%
2015		463		15.343		17.930		7,969		6.07	%		1.00	%		2.25	%		-5.98	%		-4.82	%
2014		427		16.320		18.839		7,741		5.78	%		1.00	%		2.25	%		-0.38	%		0.85	%
Franklin U.S. Government Securities VIP Fund CL 2
2018		95	$	10.930	$	13.254	$	1,198		2.46	%		1.00	%		2.25	%		-1.88	%		-0.66	%
2017		113		11.140		13.342		1,442		2.27	%		1.00	%		2.25	%		-0.88	%		0.34	%
2016		119		11.240		13.297		1,512		2.31	%		1.00	%		2.25	%		-1.55	%		-0.33	%
2015		178		11.416		13.341		2,283		2.41	%		1.00	%		2.25	%		-1.74	%		-0.52	%
2014		191		11.618		13.411		2,466		2.67	%		1.00	%		2.25	%		1.11	%		2.36	%
Templeton Developing Markets VIP Fund CL 2
2018		90	$	25.032	$	30.353	$	2,602		0.87	%		1.00	%		2.25	%		-17.66	%		-16.63	%
2017		107		30.400		36.409		3,702		1.02	%		1.00	%		2.25	%		37.33	%		39.02	%
2016		112		22.137		26.189		2,794		0.81	%		1.00	%		2.25	%		14.87	%		16.28	%
2015		116		19.272		22.522		2,504		2.16	%		1.00	%		2.25	%		-21.37	%		-20.40	%
2014		131		24.511		28.294		3,562		1.50	%		1.00	%		2.25	%		-10.41	%		-9.30	%
Invesco Variable Insurance Funds
Invesco V.I. Diversified Dividend Fund Series I
2018		64	$	10.453	$	12.677	$	774		2.21	%		1.00	%		2.25	%		-9.62	%		-8.49	%
2017		82		11.566		13.853		1,080		1.51	%		1.00	%		2.25	%		6.19	%		7.50	%
2016		107		10.891		12.887		1,323		1.50	%		1.00	%		2.25	%		12.29	%		13.68	%
2015		87		9.699		11.336		945		1.71	%		1.00	%		2.25	%		-0.18	%		1.06	%
2014		92		9.717		11.218		989		1.58	%		1.00	%		2.25	%		10.35	%		11.71	%
Invesco V.I. Health Care Fund
2018		68	$	25.006	$	30.322	$	1,956		N/A			1.00	%		2.25	%		-1.33	%		-0.10	%
2017		75		25.343		30.352		2,162		0.38	%		1.00	%		2.25	%		13.29	%		14.68	%
2016		91		22.371		26.466		2,296		N/A			1.00	%		2.25	%		-13.40	%		-12.34	%
2015		135		25.834		30.190		3,917		N/A			1.00	%		2.25	%		0.89	%		2.14	%
2014		109		25.605		29.557		3,099		N/A			1.00	%		2.25	%		17.04	%		18.49	%
Invesco V.I. Global Real Estate Fund Series I
2018		124	$	25.194	$	30.550	$	3,600		3.56	%		1.00	%		2.25	%		-8.23	%		-7.09	%
2017		145		27.453		32.880		4,538		3.13	%		1.00	%		2.25	%		10.57	%		11.93	%
2016		162		24.829		29.374		4,540		1.61	%		1.00	%		2.25	%		-0.20	%		1.03	%
2015		179		24.878		29.074		4,979		3.23	%		1.00	%		2.25	%		-3.65	%		-2.46	%
2014		208		25.820		29.806		5,955		1.61	%		1.00	%		2.25	%		12.10	%		13.49	%
Invesco V.I. Managed Volatility Fund Series I
2018		444	$	15.557	$	31.309	$	7,817		1.69	%		1.00	%		2.25	%		-12.97	%		-11.89	%
2017		522		17.726		35.533		10,561		1.33	%		1.00	%		2.25	%		8.13	%		9.47	%
2016		826		16.257		32.460		14,819		1.69	%		1.00	%		2.25	%		8.19	%		9.52	%
2015		1,009		14.903		29.638		16,426		1.56	%		1.00	%		2.25	%		-4.31	%		-3.12	%
2014		1,601		15.444		30.592		26,403		2.99	%		1.00	%		2.25	%		17.92	%		19.38	%

57

ZALICO Variable Annuity Separate Account

of Zurich American Life Insurance Company

Notes to Financial Statements

(6) Unit Values and Financial Highlights:

	At December 31,								For the year ended December 31,
							Net Assets		Investment
	Units		Unit Fair Value				(1)		Income			Expense Ratio (3)						Total Return (4)
	(000s)		Lowest		Highest		(000s)		Ratio (2)			Lowest			Highest			Lowest			Highest
Janus Henderson Series:
Janus Henderson Balanced Portfolio I-S (13)
2018		867	$	52.065	$	77.762	$	62,386		2.22	%		1.00	%		2.25	%		-1.55	%		-0.32	%
2017		936		52.883		78.012		67,811		1.60	%		1.00	%		2.25	%		15.83	%		17.26	%
2016		1,026		45.655		66.529		63,573		2.17	%		1.00	%		2.25	%		2.31	%		3.57	%
2015		1,132		44.625		64.236		67,966		1.61	%		1.00	%		2.25	%		-1.59	%		-0.38	%
2014		1,233		45.348		64.478		74,470		1.74	%		1.00	%		2.25	%		6.12	%		7.43	%
Janus Henderson Enterprise Portfolio I-S (11)
2018		523	$	71.348	$	99.303	$	48,340		0.26	%		1.00	%		2.25	%		-2.62	%		-1.41	%
2017		580		73.267		100.720		54,536		0.26	%		1.00	%		2.25	%		24.63	%		26.16	%
2016		634		58.790		79.833		47,337		0.15	%		1.00	%		2.25	%		9.90	%		11.25	%
2015		692		53.496		71.759		46,570		0.65	%		1.00	%		2.25	%		1.74	%		3.00	%
2014		742		52.581		69.669		48,663		0.16	%		1.00	%		2.25	%		10.05	%		11.41	%
Janus Henderson Forty Portfolio I-S (15)
2018		14	$	29.814	$	29.814	$	419		1.14	%		1.40	%		1.40	%		0.57	%		0.57	%
2017		12		29.646		29.646		353		N/A			1.40	%		1.40	%		28.52	%		28.52	%
2016		12		23.067		23.067		283		0.94	%		1.40	%		1.40	%		0.78	%		0.78	%
2015		37		22.888		22.888		838		1.28	%		1.40	%		1.40	%		10.67	%		10.67	%
2014		44		20.681		20.681		912		0.15	%		1.40	%		1.40	%		7.23	%		7.23	%
Janus Henderson Global Research Portfolio I-S (12)
2018		629	$	38.360	$	52.620	$	30,837		1.19	%		1.00	%		2.25	%		-8.93	%		-7.79	%
2017		683		42.121		57.068		36,419		0.82	%		1.00	%		2.25	%		24.24	%		25.77	%
2016		774		33.902		45.373		32,906		1.06	%		1.00	%		2.25	%		-0.18	%		1.06	%
2015		865		33.962		44.899		36,524		0.67	%		1.00	%		2.25	%		-4.44	%		-3.25	%
2014		946		35.539		46.409		41,374		1.07	%		1.00	%		2.25	%		5.08	%		6.38	%
Janus Henderson Research Portfolio I-S (10)
2018		468	$	37.461	$	55.120	$	24,036		0.59	%		1.00	%		2.25	%		-4.73	%		-3.55	%
2017		515		39.322		57.147		27,502		0.40	%		1.00	%		2.25	%		25.08	%		26.62	%
2016		583		31.438		45.133		24,662		0.53	%		1.00	%		2.25	%		-1.71	%		-0.49	%
2015		643		31.984		45.356		27,416		0.65	%		1.00	%		2.25	%		3.03	%		4.30	%
2014		697		31.044		43.485		28,591		0.35	%		1.00	%		2.25	%		10.51	%		11.88	%
Janus Henderson Mid Cap Value Portfolio S-S (14)		107	$	27.656	$	33.535	$	3,405		0.93	%		1.00	%		2.25	%		-15.73	%		-14.68	%
2017		116		32.818		39.304		4,323		0.64	%		1.00	%		2.25	%		11.14	%		12.51	%
2016		120		29.529		34.934		3,989		0.86	%		1.00	%		2.25	%		16.16	%		17.59	%
2015		136		25.421		29.709		3,867		1.05	%		1.00	%		2.25	%		-5.81	%		-4.64	%
2014		147		26.989		31.155		4,396		1.26	%		1.00	%		2.25	%		6.05	%		7.37	%
JPMorgan Insurance Trust:
JPMorgan Insurance Trust Core Bond
2018		19	$	12.799	$	14.838	$	274		2.51	%		1.25	%		2.25	%		-2.16	%		-1.19	%
2017		23		13.082		15.017		334		2.24	%		1.25	%		2.25	%		1.30	%		2.30	%
2016		40		12.914		14.680		567		2.73	%		1.25	%		2.25	%		-0.13	%		0.86	%
2015		41		12.931		14.555		575		3.52	%		1.25	%		2.25	%		-1.11	%		-0.13	%
2014		45		13.075		14.574		635		3.87	%		1.25	%		2.25	%		2.61	%		3.63	%
JPMorgan Insurance Trust Intrepid MidCap (18)
2018		—	$	—	$	—	$	—		0.00	%		0.00	%		0.00	%		0.00	%		0.00	%
2017		—		24.187		28.527		—		N/A			1.00	%		2.25	%		4.10	%		4.59	%
2016		131		23.234		27.275		3,452		0.74	%		1.00	%		2.25	%		9.57	%		10.93	%
2015		152		21.204		24.588		3,605		0.68	%		1.00	%		2.25	%		-7.94	%		-6.80	%
2014		177		23.034		26.383		4,507		0.60	%		1.00	%		2.25	%		13.32	%		14.72	%

58

ZALICO Variable Annuity Separate Account

of Zurich American Life Insurance Company

Notes to Financial Statements

(6) Unit Values and Financial Highlights:

	At December 31,								For the year ended December 31,
							Net Assets		Investment
	Units		Unit Fair Value				(1)		Income			Expense Ratio (3)						Total Return (4)
	(000s)		Lowest		Highest		(000s)		Ratio (2)			Lowest			Highest			Lowest			Highest
JPMorgan Insurance Trust Mid Cap Value
2018		184	$	23.127	$	27.826	$	4,879		1.01	%		1.00	%		2.25	%		-13.79	%		-12.71	%
2017		206		26.826		31.879		6,277		0.75	%		1.00	%		2.25	%		11.27	%		12.64	%
2016		259		24.109		28.302		7,052		0.87	%		1.00	%		2.25	%		12.18	%		13.56	%
2015		295		21.492		24.922		7,076		1.03	%		1.00	%		2.25	%		-4.80	%		-3.62	%
2014		319		22.575		25.858		7,967		0.79	%		1.00	%		2.25	%		12.58	%		13.97	%
JPMorgan Insurance Trust Small Cap Core
2018		108	$	28.016	$	37.964	$	3,833		0.41	%		1.00	%		2.25	%		-13.88	%		-12.81	%
2017		113		32.468		43.540		4,627		0.32	%		1.00	%		2.25	%		12.70	%		14.09	%
2016		130		28.753		38.163		4,659		0.49	%		1.00	%		2.25	%		17.58	%		19.03	%
2015		151		24.407		32.062		4,570		0.15	%		1.00	%		2.25	%		-7.37	%		-6.22	%
2014		179		26.296		34.188		5,816		0.14	%		1.00	%		2.25	%		7.19	%		8.51	%
JPMorgan Insurance Trust US Equity
2018		27	$	23.398	$	28.152	$	730		0.94	%		1.00	%		2.25	%		-8.24	%		-7.10	%
2017		37		25.499		30.304		1,075		1.04	%		1.00	%		2.25	%		19.65	%		21.12	%
2016		34		21.312		25.019		808		1.07	%		1.00	%		2.25	%		8.50	%		9.84	%
2015		49		19.642		22.777		1,084		1.15	%		1.00	%		2.25	%		-1.36	%		-0.13	%
2014		47		19.912		22.808		1,027		0.89	%		1.00	%		2.25	%		11.40	%		12.77	%
Oppenheimer Variable Account Funds:
Oppenheimer Capital Appreciation
2018		55	$	20.606	$	24.987	$	1,302		N/A			1.00	%		2.25	%		-8.04	%		-6.89	%
2017		67		22.407		26.836		1,704		0.01	%		1.00	%		2.25	%		23.73	%		25.25	%
2016		74		18.110		21.425		1,521		0.11	%		1.00	%		2.25	%		-4.57	%		-3.39	%
2015		95		18.977		22.178		2,013		N/A			1.00	%		2.25	%		1.00	%		2.25	%
2014		121		18.790		21.691		2,536		0.17	%		1.00	%		2.25	%		12.60	%		13.99	%
Oppenheimer Discovery Mid Cap Growth Fund S-S
2018		35	$	23.304	$	28.258	$	953		N/A			1.00	%		2.25	%		-8.38	%		-7.24	%
2017		46		25.435		30.462		1,342		N/A			1.00	%		2.25	%		25.64	%		27.19	%
2016		48		20.245		23.951		1,097		N/A			1.00	%		2.25	%		-0.16	%		1.07	%
2015		59		20.277		23.697		1,340		N/A			1.00	%		2.25	%		4.01	%		5.29	%
2014		48		19.496		22.506		1,046		N/A			1.00	%		2.25	%		3.20	%		4.48	%
Oppenheimer Global Fund S-S
2018		475	$	28.675	$	34.771	$	15,703		0.82	%		1.00	%		2.25	%		-15.31	%		-14.26	%
2017		526		33.859		40.552		20,323		0.74	%		1.00	%		2.25	%		33.33	%		34.97	%
2016		589		25.395		30.044		16,927		0.75	%		1.00	%		2.25	%		-2.35	%		-1.14	%
2015		662		26.006		30.392		19,306		1.11	%		1.00	%		2.25	%		1.39	%		2.65	%
2014		733		25.649		29.608		20,885		0.86	%		1.00	%		2.25	%		-0.19	%		1.05	%
Oppenheimer Global Strategic Income VA
2018		192	$	14.252	$	17.281	$	3,146		4.51	%		1.00	%		2.25	%		-6.65	%		-5.49	%
2017		225		15.267		18.285		3,918		1.91	%		1.00	%		2.25	%		3.71	%		4.99	%
2016		260		14.721		17.416		4,323		4.86	%		1.00	%		2.25	%		3.93	%		5.22	%
2015		293		14.164		16.553		4,655		5.77	%		1.00	%		2.25	%		-4.64	%		-3.46	%
2014		347		14.853		17.146		5,721		3.87	%		1.00	%		2.25	%		0.24	%		1.48	%
Oppenheimer Main Street
2018		129	$	22.441	$	27.211	$	3,338		0.94	%		1.00	%		2.25	%		-10.13	%		-9.01	%
2017		146		24.971		29.907		4,173		1.04	%		1.00	%		2.25	%		14.08	%		15.48	%
2016		173		21.890		25.897		4,270		0.87	%		1.00	%		2.25	%		8.86	%		10.20	%
2015		195		20.109		23.500		4,390		0.64	%		1.00	%		2.25	%		0.84	%		2.09	%
2014		229		19.942		23.020		5,053		0.58	%		1.00	%		2.25	%		7.97	%		9.31	%

59

ZALICO Variable Annuity Separate Account

of Zurich American Life Insurance Company

Notes to Financial Statements

(6) Unit Values and Financial Highlights:

	At December 31,								For the year ended December 31,
							Net Assets		Investment
	Units		Unit Fair Value				(1)		Income			Expense Ratio (3)						Total Return (4)
	(000s)		Lowest		Highest		(000s)		Ratio (2)			Lowest			Highest			Lowest			Highest
Oppenheimer Main Street Small Cap Fund S-S
2018		184	$	30.627	$	37.137	$	6,507		0.06	%		1.00	%		2.25	%		-12.52	%		-11.43	%
2017		210		35.009		41.929		8,368		0.65	%		1.00	%		2.25	%		11.41	%		12.79	%
2016		221		31.424		37.176		7,840		0.24	%		1.00	%		2.25	%		15.09	%		16.51	%
2015		238		27.304		31.908		7,276		0.64	%		1.00	%		2.25	%		-8.16	%		-7.02	%
2014		255		29.730		34.319		8,395		0.64	%		1.00	%		2.25	%		9.20	%		10.55	%
PIMCO Variable Insurance Trust:
PIMCO PVIT International Bond (U.S. Dollar-Hedged)
2018		1	$	20.661	$	20.661	$	12		1.40	%		1.40	%		1.40	%		0.70	%		0.70	%
2017		1		20.517		20.517		15		4.70	%		1.40	%		1.40	%		1.35	%		1.35	%
2016		1		20.244		20.244		15		1.19	%		1.40	%		1.40	%		5.01	%		5.01	%
2015		1		19.279		19.279		23		2.36	%		1.40	%		1.40	%		-1.09	%		-1.09	%
2014		3		19.492		19.492		50		1.88	%		1.40	%		1.40	%		9.62	%		9.62	%
PIMCO Low Duration ADM
2018		2	$	14.953	$	14.953	$	30		2.05	%		1.40	%		1.40	%		-1.06	%		-1.06	%
2017		2		15.113		15.113		36		1.34	%		1.40	%		1.40	%		-0.05	%		-0.05	%
2016		2		15.121		15.121		36		1.37	%		1.40	%		1.40	%		0.00	%		0.00	%
2015		3		15.120		15.120		44		3.37	%		1.40	%		1.40	%		-1.07	%		-1.07	%
2014		5		15.284		15.284		76		1.12	%		1.40	%		1.40	%		-0.54	%		-0.54	%
Voya Global Resources Trust:
Voya Global Equity Portfolio
2018		237	$	10.792	$	12.215	$	2,796		4.51	%		1.00	%		2.05	%		-10.95	%		-10.02	%
2017		281		12.118		13.575		3,693		2.11	%		1.00	%		2.05	%		20.97	%		22.22	%
2016		318		10.018		11.107		3,427		2.59	%		1.00	%		2.05	%		3.64	%		4.72	%
2015		370		9.666		10.606		3,823		1.20	%		1.00	%		2.05	%		-7.22	%		-6.43	%
2014		N/A		N/A		N/A		N/A		N/A			N/A			N/A			N/A			N/A
Voya Investors Trust:
VY JPMorgan Emerging Markets Equity Portfolio Class I
2018		159	$	23.036	$	26.375	$	4,027		0.85	%		1.00	%		2.05	%		-18.27	%		-17.42	%
2017		166		28.186		31.937		5,109		0.68	%		1.00	%		2.05	%		40.49	%		41.94	%
2016		178		20.063		22.500		3,882		1.45	%		1.00	%		2.05	%		10.99	%		12.14	%
2015		215		18.076		20.064		4,190		1.53	%		1.00	%		2.05	%		-17.26	%		-16.40	%
2014		242		21.846		23.999		5,655		1.21	%		1.00	%		2.05	%		-0.91	%		0.12	%

(1) Net Assets equals Contract Owners’ Equity. N/A is noted if the subaccount is not an investment option in the applicable period.

(2) This ratio represents dividends recorded by the subaccount from the underlying mutual fund divided by the average net assets. This ratio excludes the Expense Ratio. N/A is noted if the fund did not pay any dividends or subaccount ceased as an investment option.

(3) This ratio represents the annualized contract expenses of the separate account, resulting in a direct reduction of unit values, consisting primarily of mortality and expense charges. Charges that require redemption of contract owner units are excluded. N/A is noted if the subaccount is not an investment option in the applicable period.

60

ZALICO Variable Annuity Separate Account

of Zurich American Life Insurance Company

Notes to Financial Statements

(6) Unit Values and Financial Highlights:

(4) Total return is calculated using the beginning and ending unit value (before rounding for this presentation), which reflects the changes in the underlying fund values and reductions related to the Expense Ratio, for the period indicated. The Archway product has total returns outside the ranges provided that do not correspond to the minimum or maximum expense ratio. This product invests in shares at the fund level that typically experience additional expenses. This can result in a lower subaccount total return than another product with a higher rider expense ratio. Total returns for periods of less than one year are not annualized. N/A is noted if the subaccount is not an investment option in the applicable period.

(1) Effective July 2, 2018 name changed from Deutsche Bond VIP A to DWS Bond VIP A.

(2) Effective July 2, 2018 Deutsche Capital Growth VIP A to DWS Capital Growth VIP A.

(3) Effective July 2, 2018 name changed from Deutsche Capital Growth VIP B to DWS Capital Growth VIP B.

(4) Effective July 2, 2018 name changed from Deutsche Core Equity VIP A to DWS Core Equity VIP A.

(5) Effective July 2, 2018 name changed from Deutsche Core Equity VIP B to DWS Core Equity VIP B.

(6) Effective July 2, 2018 name changed from Deutsche CROCI^® International VIP A to DWS CROCI^® International VIP A.

(7) Effective July 2, 2018 name changed from Deutsche CROCI^® International VIP B to DWS CROCI^® International VIP B.

(8) Effective July 2, 2018 name changed from Deutsche Equity 500 Index VIP A to DWS Equity 500 Index VIP A.

(9) Effective July 2, 2018 name changed from Deutsche Equity 500 Index VIP B2 to DWS Equity 500 Index VIP B2.

(10) Effective July 2, 2018 name changed from Deutsche Global Equity VIP A to DWS Global Equity VIP A.

(11) Effective July 2, 2018 name changed from Deutsche International Growth VIP A to DWS International Growth VIP A.

(12) Effective July 2, 2018 name changed from Deutsche International Growth VIP B to DWS International Growth VIP B.

(13) Effective July 2, 2018 name changed from Deutsche Global Income Builder VIP A to DWS Global Income Builder VIP A.

(14) Effective July 2, 2018 name changed from Deutsche Global Small Cap VIP A to DWS Global Small Cap VIP A.

(15) Effective July 2, 2018 name changed from Deutsche Global Small Cap VIP B to DWS Global Small Cap VIP B.

(16) Effective July 2, 2018 name changed from Deutsche Government & Agency Securities VIP A to DWS Government & Agency Securities VIP A.

(17) Effective July 2, 2018 name changed from Deutsche Government & Agency Securities VIP B to DWS Government & Agency Securities VIP B.

(18) Effective July 2, 2018 name changed from Deutsche Government Money Market VIP A DWS Government Money Market VIP A.

(19) Effective July 2, 2018 name changed from Deutsche High Income VIP A to DWS High Income VIP A.

(20) Effective July 2, 2018 name changed from Deutsche High Income VIP B to DWS High Income VIP B.

(21) Effective July 2, 2018 name changed from Deutsche CROCI^® U.S. VIP A to DWS CROCI^® U.S. VIP A.

(22) Effective July 2, 2018 name changed from Deutsche CROCI^® U.S. VIP B to DWS CROCI^® U.S. VIP B.

(23) Effective July 2, 2018 name changed from Deutsche Small Mid Cap Growth VIP A to DWS Small Mid Cap Growth VIP A.

(24) Effective July 2, 2018 name changed from Deutsche Small Mid Cap Value VIP A to DWS Small Mid Cap Value VIP A.

(25) Effective July 2, 2018 name changed from Deutsche Small Mid Cap Value VIP B to DWS Small Mid Cap Value VIP B.

(26) Effective July 2, 2018 name changed from Deutsche Multisector Income VIP A to DWS Multisector Income VIP A.

(27) Effective April 30, 2018 name changed from Invesco V.I. Global Health Care Fund Series I to Invesco V.I. Health Care Fund.

(28) Effective July 30, 2018 name changed from PIMCO Foreign Bond (USD-Hedged) ADM to PIMCO PVIT International Bond (U.S. Dollar-Hedged).

(7) Subsequent Events:

The Separate Account has evaluated the effects of events subsequent to December 31, 2018 and through the financial statement issuance date. All accounting and disclosure requirements related to subsequent events are included in the financial statements, as applicable.

61

APPENDIX A

STATE AND LOCAL GOVERNMENT PREMIUM TAX CHART

	Rate of Tax
State	Qualified Plans			Non-Qualified Plans
California*		0.50	%		2.35	%
Florida**		1.00	%		1.00	%
Maine***		—			2.00	%
Nevada*		—			3.50	%
South Dakota***		—			1.25	%****
West Virginia***		1.00	%		1.00	%
Wyoming***		—			1.00	%

* In California and Nevada, we pay premium taxes when you annuitize your Contract. We deduct the amount of the premium tax payable from your Contract Value (if you annuitize under the standard feature in your Contract) or from your GRIB Base (if you annuitize under the GRIB rider). We will take this deduction at the time of annuitization of your Contract.

** In Florida, annuity considerations are exempt provided that the tax savings are passed back to contract holders. Otherwise, they are taxable at 1.00%.

*** In Maine, South Dakota, West Virginia, and Wyoming, we pay premium taxes at the time we receive a Purchase Payment from you. In those four states, we reserve the right to deduct the amount of the premium tax payable from your Contract Value at the time we receive your Purchase Payment.

**** In South Dakota, we pay a 1.25% premium tax on the first $500,000 for each Non-Qualified Plan Contract and a 0.08% premium tax on any premium amount thereafter.

A-1

APPENDIX B

CONDENSED FINANCIAL INFORMATION

The following Condensed Financial Information is derived from the financial statements of the Separate Account. The data should be read in conjunction with the financial statements, related notes and other financial information included in the Statement of Additional Information. Each table shows the unit values under Contracts with a different combination of optional benefits, including the Guaranteed Retirement Income Benefit, which is no longer offered under new Contracts. In the table(s) below, no number is shown when there were no Accumulation Units outstanding at the end of the period. A zero (0) is shown when there were fewer than 1,000 Accumulation Units outstanding at the end of the period. Information for the least and most expensive combinations are shown in the Prospectus under the heading “Condensed Financial Information”.

Optional Benefits	Annual Expense
Guaranteed Minimum Death Benefit		0.15	%
Earnings Based Death Benefit		0.20	%
Guaranteed Retirement Income Benefit—10 year		0.30	%
Guaranteed Retirement Income Benefit—7 year		0.40	%

Additional Contract Options Elected (0.15%)

Guaranteed Minimum Death Benefit

(Separate Account Charges of 1.45% of the Daily Net Assets of the Separate Account)

Tax Qualified Periodic Payment Contracts—1.45%

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Alger Large Cap Growth Subaccount
Accumulation unit value at beginning of period	$	106.170	$	83.839	$	85.762	$	85.537	$	78.187	$	58.721	$	54.225	$	55.202	$	49.390	$	33.953
Accumulation unit value at end of period	$	106.953	$	106.170	$	83.839	$	85.762	$	85.537	$	78.187	$	58.721	$	54.225	$	55.202	$	49.390
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Alger MidCap Growth Subaccount
Accumulation unit value at beginning of period	$	63.955	$	49.988	$	50.221	$	51.759	$	48.615	$	36.307	$	31.697	$	35.057	$	29.791	$	19.922
Accumulation unit value at end of period	$	58.343	$	63.955	$	49.988	$	50.221	$	51.759	$	48.615	$	36.307	$	31.697	$	35.057	$	29.791
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Alger Small Cap Growth Subaccount
Accumulation unit value at beginning of period	$	94.487	$	74.459	$	71.100	$	74.607	$	75.359	$	56.942	$	51.351	$	53.807	$	43.567	$	30.375
Accumulation unit value at end of period	$	94.465	$	94.487	$	74.459	$	71.100	$	74.607	$	75.359	$	56.942	$	51.351	$	53.807	$	43.567
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
American Century VP Income & Growth Subaccount
Accumulation unit value at beginning of period	$	14.922	$	12.564	$	11.231	$	12.072	$	10.886	$	8.131	$	7.189	$	7.073	$	6.286	$	5.400
Accumulation unit value at end of period	$	13.697	$	14.922	$	12.564	$	11.231	$	12.072	$	10.886	$	8.131	$	7.189	$	7.073	$	6.286
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
American Century VP Value Subaccount
Accumulation unit value at beginning of period	$	20.027	$	18.682	$	15.731	$	16.604	$	14.896	$	11.472	$	10.158	$	10.202	$	9.125	$	7.723
Accumulation unit value at end of period	$	17.933	$	20.027	$	18.682	$	15.731	$	16.604	$	14.896	$	11.472	$	10.158	$	10.202	$	9.125
Number of accumulation units outstanding at end of period (000’s omitted)		5		5		10		10		10		10		9		9		8		8
DWS Bond VIP Subaccount (formerly Deutsche Bond VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	10.000	$	9.586	$	9.181	$	9.341	$	8.887	$	9.297	$	8.752	$	8.401	$	7.981	$	7.356
Accumulation unit value at end of period	$	9.595	$	10.000	$	9.586	$	9.181	$	9.341	$	8.887	$	9.297	$	8.752	$	8.401	$	7.981
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Capital Growth VIP Subaccount (formerly Deutsche Capital Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	50.194	$	40.316	$	39.234	$	36.644	$	32.907	$	24.794	$	21.675	$	23.018	$	20.009	$	16.000
Accumulation unit value at end of period	$	48.682	$	50.194	$	40.316	$	39.234	$	36.644	$	32.907	$	24.794	$	21.675	$	23.018	$	20.009
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Core Equity VIP Subaccount (formerly Deutsche Core Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	25.512	$	21.386	$	19.637	$	18.928	$	17.172	$	12.686	$	11.113	$	11.290	$	10.012	$	7.572
Accumulation unit value at end of period	$	23.715	$	25.512	$	21.386	$	19.637	$	18.928	$	17.172	$	12.686	$	11.113	$	11.290	$	10.012
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS CROCI® International VIP Subaccount (formerly Deutsche CROCI® International VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	14.972	$	12.454	$	12.541	$	13.461	$	15.477	$	13.060	$	10.982	$	13.370	$	13.347	$	10.142
Accumulation unit value at end of period	$	12.633	$	14.972	$	12.454	$	12.541	$	13.461	$	15.477	$	13.060	$	10.982	$	13.370	$	13.347
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS CROCI® U.S. VIP Subaccount, name change as of 5/1/17 (formerly Deutsche CROCI® U.S. VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.631	$	2.998	$	3.181	$	3.465	$	3.175	$	2.461	$	2.274	$	2.308	$	2.114	$	1.711
Accumulation unit value at end of period	$	3.203	$	3.631	$	2.998	$	3.181	$	3.465	$	3.175	$	2.461	$	2.274	$	2.308	$	2.114
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		0		0		0		0		0		3		3
DWS Global Equity VIP Subaccount (formerly Deutsche Global Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.242	$	2.651	$	2.534	$	2.617	$	2.625	$	2.232	$	1.930	$	2.227	$	2.036	$	1.597
Accumulation unit value at end of period	$	2.840	$	3.242	$	2.651	$	2.534	$	2.617	$	2.625	$	2.232	$	1.930	$	2.227	$	2.036
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Global Income Builder VIP Subaccount (formerly Deutsche Global Income Builder VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	12.022	$	10.465	$	9.939	$	10.231	$	9.996	$	8.695	$	7.808	$	8.036	$	7.329	$	6.024
Accumulation unit value at end of period	$	10.941	$	12.022	$	10.465	$	9.939	$	10.231	$	9.996	$	8.695	$	7.808	$	8.036	$	7.329
Number of accumulation units outstanding at end of period (000’s omitted)		0		—		—		—		—		—		—		—		—		—
DWS Government & Agency Securities VIP Subaccount (formerly Deutsche Government & Agency Securities VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	2.972	$	2.966	$	2.974	$	3.018	$	2.908	$	3.043	$	2.999	$	2.831	$	2.694	$	2.529
Accumulation unit value at end of period	$	2.946	$	2.972	$	2.966	$	2.974	$	3.018	$	2.908	$	3.043	$	2.999	$	2.831	$	2.694
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-1

DWS Government Money Market VIP Subaccount (formerly Deutsche Government Money Market VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	2.520	$	2.545	$	2.581	$	2.618	$	2.655	$	2.694	$	2.732	$	2.772	$	2.812	$	2.843
Accumulation unit value at end of period	$	2.519	$	2.520	$	2.545	$	2.581	$	2.618	$	2.655	$	2.694	$	2.732	$	2.772	$	2.812
Number of accumulation units outstanding at end of period (000’s omitted)		9		9		11		11		12		13		14		14		16		16
DWS High Income VIP Subaccount (formerly Deutsche High Income VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	13.191	$	12.447	$	11.188	$	11.877	$	11.874	$	11.163	$	9.855	$	9.628	$	8.568	$	6.210
Accumulation unit value at end of period	$	12.674	$	13.191	$	12.447	$	11.188	$	11.877	$	11.874	$	11.163	$	9.855	$	9.628	$	8.568
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Small Mid Cap Growth VIP Subaccount (formerly Deutsche Small Mid Cap Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	4.001	$	3.323	$	3.091	$	3.164	$	3.037	$	2.158	$	1.914	$	2.021	$	1.584	$	1.143
Accumulation unit value at end of period	$	3.407	$	4.001	$	3.323	$	3.091	$	3.164	$	3.037	$	2.158	$	1.914	$	2.021	$	1.584
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Small Mid Cap Value VIP Subaccount (formerly Deutsche Small Mid Cap Value VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	4.733	$	4.344	$	3.770	$	3.899	$	3.749	$	2.812	$	2.508	$	2.709	$	2.233	$	1.746
Accumulation unit value at end of period	$	3.918	$	4.733	$	4.344	$	3.770	$	3.899	$	3.749	$	2.812	$	2.508	$	2.709	$	2.233
Number of accumulation units outstanding at end of period (000’s omitted)		25		25		39		39		38		37		36		35		35		33
Dreyfus Mid Cap Stock Subaccount
Accumulation unit value at beginning of period	$	33.299	$	29.364	$	25.857	$	26.909	$	24.427	$	18.397	$	15.640	$	15.835	$	12.654	$	9.486
Accumulation unit value at end of period	$	27.672	$	33.299	$	29.364	$	25.857	$	26.909	$	24.427	$	18.397	$	15.640	$	15.835	$	12.654
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Dreyfus Sustainable U.S Equity Portfolio
Accumulation unit value at beginning of period	$	52.945	$	46.570	$	42.803	$	44.857	$	40.111	$	30.290	$	27.443	$	27.592	$	24.380	$	18.491
Accumulation unit value at end of period	$	49.887	$	52.945	$	46.570	$	42.803	$	44.857	$	40.111	$	30.290	$	27.443	$	27.592	$	24.380
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Asset Manager Subaccount
Accumulation unit value at beginning of period	$	43.219	$	38.425	$	37.819	$	38.313	$	36.726	$	32.201	$	29.043	$	30.238	$	26.847	$	21.095
Accumulation unit value at end of period	$	40.319	$	43.219	$	38.425	$	37.819	$	38.313	$	36.726	$	32.201	$	29.043	$	30.238	$	26.847
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		0		0		0		0		1		1
Fidelity VIP Contrafund® Subaccount
Accumulation unit value at beginning of period	$	83.82	$	69.769	$	65.532	$	66.039	$	59.848	$	46.246	$	40.302	$	41.945	$	36.302	$	27.138
Accumulation unit value at end of period	$	77.347	$	83.82	$	69.769	$	65.532	$	66.039	$	59.848	$	46.246	$	40.302	$	41.945	$	36.302
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		1		1		1		—		—		—		—		—
Fidelity VIP Equity Income Subaccount
Accumulation unit value at beginning of period	$	68.847	$	61.865	$	53.178	$	56.176	$	52.420	$	41.499	$	35.890	$	36.059	$	31.769	$	24.752
Accumulation unit value at end of period	$	62.230	$	68.847	$	61.865	$	53.178	$	56.176	$	52.420	$	41.499	$	35.890	$	36.059	$	31.769
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Growth Subaccount
Accumulation unit value at beginning of period	$	117.707	$	88.362	$	88.928	$	84.178	$	76.729	$	57.095	$	50.506	$	51.133	$	41.775	$	33.036
Accumulation unit value at end of period	$	115.819	$	117.707	$	88.362	$	88.928	$	84.178	$	76.729	$	57.095	$	50.506	$	51.133	$	41.775
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Index 500 Subaccount
Accumulation unit value at beginning of period	$	341.776	$	284.864	$	258.343	$	258.638	$	231.034	$	177.236	$	155.123	$	154.223	$	136.023	$	108.995
Accumulation unit value at end of period	$	321.733	$	341.776	$	284.864	$	258.343	$	258.638	$	231.034	$	177.236	$	155.123	$	154.223	$	136.023
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Mutual Global Discovery VIP Subaccount
Accumulation unit value at beginning of period	$	32.880	$	30.714	$	27.776	$	29.247	$	28.068	$	22.313	$	19.970	$	20.877	$	18.917	$	15.563
Accumulation unit value at end of period	$	28.772	$	32.880	$	30.714	$	27.776	$	29.247	$	28.068	$	22.313	$	19.970	$	20.877	$	18.917
Number of accumulation units outstanding at end of period (000’s omitted)		3		3		7		7		6		6		6		6		7		7
Franklin Mutual Shares VIP Subaccount
Accumulation unit value at beginning of period	$	24.464	$	22.905	$	20.021	$	21.367	$	20.235	$	16.005	$	14.213	$	14.571	$	13.294	$	10.699
Accumulation unit value at end of period	$	21.926	$	24.464	$	22.905	$	20.021	$	21.367	$	20.235	$	16.005	$	14.213	$	14.571	$	13.294
Number of accumulation units outstanding at end of period (000’s omitted)		4		4		6		6		6		5		5		5		6		6
Franklin Rising Dividends VIP Subaccount
Accumulation unit value at beginning of period	$	30.298	$	25.495	$	22.288	$	23.467	$	21.897	$	17.129	$	15.522	$	14.855	$	12.491	$	10.799
Accumulation unit value at end of period	$	28.347	$	30.298	$	25.495	$	22.288	$	23.467	$	21.897	$	17.129	$	15.522	$	14.855	$	12.491
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		2		2		2		2		1		1		—		—
Franklin Small Cap Value VIP Subaccount
Accumulation unit value at beginning of period	$	38.349	$	35.158	$	27.396	$	30.010	$	30.272	$	22.542	$	19.318	$	20.363	$	16.111	$	12.655
Accumulation unit value at end of period	$	32.930	$	38.349	$	35.158	$	27.396	$	30.010	$	30.272	$	22.542	$	19.318	$	20.363	$	16.111
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-2

Franklin Strategic Income VIP Subaccount
Accumulation unit value at beginning of period	$	18.587	$	18.033	$	16.949	$	17.886	$	17.814	$	17.492	$	15.739	$	15.566	$	14.238	$	11.487
Accumulation unit value at end of period	$	17.929	$	18.587	$	18.033	$	16.949	$	17.886	$	17.814	$	17.492	$	15.739	$	15.566	$	14.238
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin U.S. Government Securities VIP Subaccount
Accumulation unit value at beginning of period	$	12.500	$	12.513	$	12.611	$	12.733	$	12.495	$	12.966	$	12.911	$	12.394	$	11.942	$	11.752
Accumulation unit value at end of period	$	12.362	$	12.500	$	12.513	$	12.611	$	12.733	$	12.495	$	12.966	$	12.911	$	12.394	$	11.942
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Templeton Developing Markets VIP Subaccount
Accumulation unit value at beginning of period	$	34.111	$	24.645	$	21.289	$	26.864	$	29.749	$	30.462	$	27.310	$	32.926	$	28.408	$	16.698
Accumulation unit value at end of period	$	28.311	$	34.111	$	24.645	$	21.289	$	26.864	$	29.749	$	30.462	$	27.310	$	32.926	$	28.408
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Diversified Dividend Subaccount
Accumulation unit value at beginning of period	$	12.979	$	12.127	$	10.715	$	10.650	$	9.576	$	7.414	$	6.335	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	11.823	$	12.979	$	12.127	$	10.715	$	10.650	$	9.576	$	7.414	$	6.335	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		N/A		N/A
Invesco V.I. Health Care Subaccount
Accumulation unit value at beginning of period	$	28.437	$	24.906	$	28.537	$	28.063	$	23.790	$	17.173	$	14.411	$	14.064	$	13.550	$	10.767
Accumulation unit value at end of period	$	28.281	$	28.437	$	24.906	$	28.537	$	28.063	$	23.790	$	17.173	$	14.411	$	14.064	$	13.550
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Global Real Estate Subaccount
Accumulation unit value at beginning of period	$	30.804	$	27.643	$	27.482	$	28.299	$	25.047	$	24.739	$	19.590	$	21.257	$	18.351	$	14.155
Accumulation unit value at end of period	$	28.494	$	30.804	$	27.643	$	27.482	$	28.299	$	25.047	$	24.739	$	19.590	$	21.257	$	18.351
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		—		—		—		—		—		—		—
Invesco V.I. Managed Volatility Subaccount
Accumulation unit value at beginning of period	$	33.291	$	30.547	$	28.015	$	29.046	$	24.440	$	22.386	$	21.921	$	19.097	$	18.226	$	16.088
Accumulation unit value at end of period	$	29.202	$	33.291	$	30.547	$	28.015	$	29.046	$	24.44	$	22.386	$	21.921	$	19.097	$	18.226
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		1		1		1		1		—		—		—		—
Janus Henderson Balanced Subaccount
Accumulation unit value at beginning of period	$	71.285	$	61.061	$	59.218	$	59.707	$	55.823	$	47.133	$	42.085	$	42.006	$	39.318	$	31.685
Accumulation unit value at end of period	$	70.739	$	71.285	$	61.061	$	59.218	$	59.707	$	55.823	$	47.133	$	42.085	$	42.006	$	39.318
Number of accumulation units outstanding at end of period (000’s omitted)		2		2		7		7		7		7		7		5		3		3
Janus Henderson Enterprise Subaccount
Accumulation unit value at beginning of period	$	92.031	$	73.270	$	66.152	$	64.512	$	58.163	$	44.574	$	38.555	$	39.677	$	31.984	$	22.405
Accumulation unit value at end of period	$	90.332	$	92.031	$	73.270	$	66.152	$	64.512	$	58.163	$	44.574	$	38.555	$	39.677	$	31.984
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Global Research Subaccount
Accumulation unit value at beginning of period	$	52.145	$	41.643	$	41.391	$	42.974	$	40.576	$	32.053	$	27.080	$	31.849	$	27.894	$	20.551
Accumulation unit value at end of period	$	47.866	$	52.145	$	41.643	$	41.391	$	42.974	$	40.576	$	32.053	$	27.080	$	31.849	$	27.894
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		1		1		—		—		—		—		—		—
Janus Henderson Mid Cap Value Subaccount
Accumulation unit value at beginning of period	$	36.824	$	32.875	$	28.081	$	29.580	$	27.674	$	22.315	$	20.434	$	21.367	$	18.790	$	14.341
Accumulation unit value at end of period	$	31.279	$	36.824	$	32.875	$	28.081	$	29.580	$	27.674	$	22.315	$	20.434	$	21.367	$	18.790
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Research Subaccount
Accumulation unit value at beginning of period	$	52.218	$	41.423	$	41.813	$	40.267	$	36.153	$	28.140	$	24.074	$	25.789	$	22.846	$	16.998
Accumulation unit value at end of period	$	50.141	$	52.218	$	41.423	$	41.813	$	40.267	$	36.153	$	28.140	$	24.074	$	25.789	$	22.846
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust MidCap Value Subaccount
Accumulation unit value at beginning of period	$	29.952	$	26.709	$	23.623	$	24.620	$	21.698	$	16.638	$	14.023	$	13.925	$	11.443	$	9.077
Accumulation unit value at end of period	$	26.027	$	29.952	$	26.709	$	23.623	$	24.620	$	21.698	$	16.638	$	14.023	$	13.925	$	11.443
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust Small Cap Core Subaccount
Accumulation unit value at beginning of period	$	40.216	$	35.406	$	29.878	$	32.002	$	29.623	$	21.120	$	17.896	$	19.065	$	15.214	$	N/A
Accumulation unit value at end of period	$	34.909	$	40.216	$	35.406	$	29.878	$	32.002	$	29.623	$	21.120	$	17.896	$	19.065	$	15.214
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust US Equity Subaccount
Accumulation unit value at beginning of period	$	28.471	$	23.610	$	21.590	$	21.716	$	19.342	$	14.405	$	12.422	$	12.842	$	11.471	$	8.705
Accumulation unit value at end of period	$	26.332	$	28.471	$	23.610	$	21.590	$	21.716	$	19.342	$	14.405	$	12.422	$	12.842	$	11.471
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Capital Appreciation Subaccount
Accumulation unit value at beginning of period	$	25.143	$	20.162	$	20.963	$	20.594	$	18.147	$	15.872	$	13.866	$	14.284	$	12.124	$	8.532
Accumulation unit value at end of period	$	23.306	$	25.143	$	20.162	$	20.963	$	20.594	$	18.147	$	15.872	$	13.866	$	14.284	$	12.124
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		0		0		0		0		2		2

B-3

Oppenheimer Discovery Mid Cap Growth Subaccount
Accumulation unit value at beginning of period	$	28.540	$	22.539	$	22.399	$	21.368	$	20.543	$	15.366	$	N/A	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	26.356	$	28.540	$	22.539	$	22.399	$	21.368	$	20.543	$	15.366	$	N/A	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Global Strategic Income Subaccount
Accumulation unit value at beginning of period	$	17.131	$	16.390	$	15.646	$	16.279	$	16.113	$	16.407	$	14.711	$	14.828	$	13.107	$	11.229
Accumulation unit value at end of period	$	16.119	$	17.131	$	16.390	$	15.646	$	16.279	$	16.113	$	16.407	$	14.711	$	14.828	$	13.107
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Global Subaccount
Accumulation unit value at beginning of period	$	37.993	$	28.273	$	28.727	$	28.111	$	27.944	$	22.324	$	18.725	$	20.767	$	18.209	$	13.256
Accumulation unit value at end of period	$	32.431	$	37.993	$	28.273	$	28.727	$	28.111	$	27.944	$	22.324	$	18.725	$	20.767	$	18.209
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Main Street Subaccount
Accumulation unit value at beginning of period	$	28.019	$	24.370	$	22.213	$	21.856	$	20.084	$	15.502	$	13.487	$	13.725	$	12.022	$	9.528
Accumulation unit value at end of period	$	25.381	$	28.019	$	24.370	$	22.213	$	21.856	$	20.084	$	15.502	$	13.487	$	13.725	$	12.022
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		0		0		0		0		2		2
Oppenheimer Main Street Small Cap Subaccount
Accumulation unit value at beginning of period	$	39.283	$	34.985	$	30.161	$	32.584	$	29.605	$	21.358	$	18.415	$	19.137	$	15.777	$	11.693
Accumulation unit value at end of period	$	34.638	$	39.283	$	34.985	$	30.161	$	32.584	$	29.605	$	21.358	$	18.415	$	19.137	$	15.777
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Voya Global Equity Subaccount
Accumulation unit value at beginning of period	$	12.929	$	10.625	$	10.192	$	10.931	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	11.581	$	12.929	$	10.625	$	10.192	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		N/A		N/A		N/A		N/A		N/A		N/A
VY JPMorgan Emerging Markets Equity Subaccount
Accumulation unit value at beginning of period	$	30.268	$	21.418	$	19.184	$	23.049	$	23.124	$	24.822	$	21.103	$	26.125	$	21.970	$	12.958
Accumulation unit value at end of period	$	24.885	$	30.268	$	21.418	$	19.184	$	23.049	$	23.124	$	24.822	$	21.103	$	26.125	$	21.970
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-4

Additional Contract Options Elected (0.15%)

Guaranteed Minimum Death Benefit

(Separate Account Charges of 1.45% of the Daily Net Assets of the Separate Account)

Tax Nonqualified Periodic Payment Contracts—1.45%

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Alger Large Cap Growth Subaccount
Accumulation unit value at beginning of period	$	106.17	$	83.839	$	85.762	$	85.537	$	78.187	$	58.721	$	54.225	$	55.202	$	49.39	$	33.953
Accumulation unit value at end of period	$	106.953	$	106.170	$	83.839	$	85.762	$	85.537	$	78.187	$	58.721	$	54.225	$	55.202	$	49.390
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Alger MidCap Growth Subaccount
Accumulation unit value at beginning of period	$	63.955	$	49.988	$	50.221	$	51.759	$	48.615	$	36.307	$	31.697	$	35.057	$	29.791	$	19.922
Accumulation unit value at end of period	$	58.343	$	63.955	$	49.988	$	50.221	$	51.759	$	48.615	$	36.307	$	31.697	$	35.057	$	29.791
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Alger Small Cap Growth Subaccount
Accumulation unit value at beginning of period	$	94.487	$	74.459	$	71.100	$	74.607	$	75.359	$	56.942	$	51.351	$	53.807	$	43.567	$	30.375
Accumulation unit value at end of period	$	94.465	$	94.487	$	74.459	$	71.100	$	74.607	$	75.359	$	56.942	$	51.351	$	53.807	$	43.567
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
American Century VP Income & Growth Subaccount
Accumulation unit value at beginning of period	$	14.922	$	12.564	$	11.231	$	12.072	$	10.886	$	8.131	$	7.189	$	7.073	$	6.286	$	5.400
Accumulation unit value at end of period	$	13.697	$	14.922	$	12.564	$	11.231	$	12.072	$	10.886	$	8.131	$	7.189	$	7.073	$	6.286
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
American Century VP Value Subaccount
Accumulation unit value at beginning of period	$	20.027	$	18.682	$	15.731	$	16.604	$	14.896	$	11.472	$	10.158	$	10.202	$	9.125	$	7.723
Accumulation unit value at end of period	$	17.933	$	20.027	$	18.682	$	15.731	$	16.604	$	14.896	$	11.472	$	10.158	$	10.202	$	9.125
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Bond VIP Subaccount (formerly Deutsche Bond VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	10.000	$	9.586	$	9.181	$	9.341	$	8.887	$	9.297	$	8.752	$	8.401	$	7.981	$	7.356
Accumulation unit value at end of period	$	9.595	$	10.000	$	9.586	$	9.181	$	9.341	$	8.887	$	9.297	$	8.752	$	8.401	$	7.981
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Capital Growth VIP Subaccount (formerly Deutsche Capital Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	50.194	$	40.316	$	39.234	$	36.644	$	32.907	$	24.794	$	21.675	$	23.018	$	20.009	$	16.000
Accumulation unit value at end of period	$	48.682	$	50.194	$	40.316	$	39.234	$	36.644	$	32.907	$	24.794	$	21.675	$	23.018	$	20.009
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Core Equity VIP Subaccount (formerly Deutsche Core Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	25.512	$	21.386	$	19.637	$	18.928	$	17.172	$	12.686	$	11.113	$	11.290	$	10.012	$	7.572
Accumulation unit value at end of period	$	23.715	$	25.512	$	21.386	$	19.637	$	18.928	$	17.172	$	12.686	$	11.113	$	11.290	$	10.012
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS CROCI® International VIP Subaccount (formerly Deutsche CROCI® International VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	14.972	$	12.454	$	12.541	$	13.461	$	15.477	$	13.060	$	10.982	$	13.370	$	13.347	$	10.142
Accumulation unit value at end of period	$	12.633	$	14.972	$	12.454	$	12.541	$	13.461	$	15.477	$	13.060	$	10.982	$	13.370	$	13.347
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS CROCI® U.S. VIP Subaccount (formerly Deutsche CROCI® U.S. VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.631	$	2.998	$	3.181	$	3.465	$	3.175	$	2.461	$	2.274	$	2.308	$	2.114	$	1.711
Accumulation unit value at end of period	$	3.203	$	3.631	$	2.998	$	3.181	$	3.465	$	3.175	$	2.461	$	2.274	$	2.308	$	2.114
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Global Equity VIP Subaccount (formerly Deutsche Global Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.242	$	2.651	$	2.534	$	2.617	$	2.625	$	2.232	$	1.93	$	2.227	$	2.036	$	1.597
Accumulation unit value at end of period	$	2.840	$	3.242	$	2.651	$	2.534	$	2.617	$	2.625	$	2.232	$	1.930	$	2.227	$	2.036
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Global Income Builder VIP Subaccount (formerly Deutsche Global Income Builder VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	11.201	$	9.751	$	9.261	$	9.532	$	9.314	$	8.695	$	7.808	$	8.036	$	7.329	$	6.024
Accumulation unit value at end of period	$	10.194	$	11.201	$	9.751	$	9.261	$	9.532	$	9.314	$	8.102	$	7.808	$	8.036	$	7.329
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Government & Agency Securities VIP Subaccount (formerly Deutsche Government & Agency Securities VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	2.972	$	2.966	$	2.974	$	3.018	$	2.908	$	3.043	$	2.999	$	2.831	$	2.694	$	2.529
Accumulation unit value at end of period	$	2.946	$	2.972	$	2.966	$	2.974	$	3.018	$	2.908	$	3.043	$	2.999	$	2.831	$	2.694
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-5

DWS Government Money Market VIP Subaccount (formerly Deutsche Government Money Market VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	2.520	$	2.545	$	2.581	$	2.618	$	2.655	$	2.694	$	2.732	$	2.772	$	2.812	$	2.843
Accumulation unit value at end of period	$	2.519	$	2.520	$	2.545	$	2.581	$	2.618	$	2.655	$	2.694	$	2.732	$	2.772	$	2.812
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS High Income VIP Subaccount (formerly Deutsche High Income VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	12.850	$	12.125	$	10.899	$	11.570	$	11.567	$	11.163	$	9.855	$	9.628	$	8.568	$	N/A
Accumulation unit value at end of period	$	12.347	$	12.850	$	12.125	$	10.899	$	11.570	$	11.567	$	11.163	$	9.855	$	9.628	$	8.568
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Small Mid Cap Growth VIP Subaccount (formerly Deutsche Small Mid Cap Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	4.001	$	3.323	$	3.091	$	3.164	$	3.037	$	2.158	$	1.914	$	2.021	$	1.584	$	1.143
Accumulation unit value at end of period	$	3.407	$	4.001	$	3.323	$	3.091	$	3.164	$	3.037	$	2.158	$	1.914	$	2.021	$	1.584
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Small Mid Cap Value VIP Subaccount (formerly Deutsche Small Mid Cap Value VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	4.733	$	4.344	$	3.770	$	3.899	$	3.749	$	2.812	$	2.508	$	2.709	$	2.233	$	1.746
Accumulation unit value at end of period	$	3.918	$	4.733	$	4.344	$	3.770	$	3.899	$	3.749	$	2.812	$	2.508	$	2.709	$	2.233
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Dreyfus Mid Cap Stock Subaccount
Accumulation unit value at beginning of period	$	33.299	$	29.364	$	25.857	$	26.909	$	24.427	$	18.397	$	15.640	$	15.835	$	12.654	$	9.486
Accumulation unit value at end of period	$	27.672	$	33.299	$	29.364	$	25.857	$	26.909	$	24.427	$	18.397	$	15.640	$	15.835	$	12.654
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Dreyfus Sustainable U.S Equity Portfolio
Accumulation unit value at beginning of period	$	52.945	$	46.570	$	42.803	$	44.857	$	40.111	$	30.290	$	27.443	$	27.592	$	24.38	$	18.491
Accumulation unit value at end of period	$	49.887	$	52.945	$	46.570	$	42.803	$	44.857	$	40.111	$	30.290	$	27.443	$	27.592	$	24.380
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Asset Manager Subaccount
Accumulation unit value at beginning of period	$	43.219	$	38.425	$	37.819	$	38.313	$	36.726	$	32.201	$	29.043	$	30.238	$	26.847	$	21.095
Accumulation unit value at end of period	$	40.319	$	43.219	$	38.425	$	37.819	$	38.313	$	36.726	$	32.201	$	29.043	$	30.238	$	26.847
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Contrafund® Subaccount
Accumulation unit value at beginning of period	$	83.82	$	69.769	$	65.532	$	66.039	$	59.848	$	46.246	$	40.302	$	41.945	$	36.302	$	27.138
Accumulation unit value at end of period	$	77.347	$	83.820	$	69.769	$	65.532	$	66.039	$	59.848	$	46.246	$	40.302	$	41.945	$	36.302
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Equity Income Subaccount
Accumulation unit value at beginning of period	$	68.847	$	61.865	$	53.178	$	56.176	$	52.42	$	41.499	$	35.89	$	36.059	$	31.769	$	24.752
Accumulation unit value at end of period	$	62.230	$	68.847	$	61.865	$	53.178	$	56.176	$	52.420	$	41.499	$	35.890	$	36.059	$	31.769
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Growth Subaccount
Accumulation unit value at beginning of period	$	117.707	$	88.362	$	88.928	$	84.178	$	76.729	$	57.095	$	50.506	$	51.133	$	41.775	$	33.036
Accumulation unit value at end of period	$	115.819	$	117.707	$	88.362	$	88.928	$	84.178	$	76.729	$	57.095	$	50.506	$	51.133	$	41.775
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Index 500 Subaccount
Accumulation unit value at beginning of period	$	341.776	$	284.864	$	258.343	$	258.638	$	231.034	$	177.236	$	155.123	$	154.223	$	136.023	$	108.995
Accumulation unit value at end of period	$	321.733	$	341.776	$	284.864	$	258.343	$	258.638	$	231.034	$	177.236	$	155.123	$	154.223	$	136.023
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Mutual Global Discovery VIP Subaccount
Accumulation unit value at beginning of period	$	32.88	$	30.714	$	27.776	$	29.247	$	28.068	$	22.313	$	19.97	$	20.877	$	18.917	$	15.563
Accumulation unit value at end of period	$	28.772	$	32.880	$	30.714	$	27.776	$	29.247	$	28.068	$	22.313	$	19.970	$	20.877	$	18.917
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Mutual Shares VIP Subaccount
Accumulation unit value at beginning of period	$	24.464	$	22.905	$	20.021	$	21.367	$	20.235	$	16.005	$	14.213	$	14.571	$	13.294	$	10.699
Accumulation unit value at end of period	$	21.926	$	24.464	$	22.905	$	20.021	$	21.367	$	20.235	$	16.005	$	14.213	$	14.571	$	13.294
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Rising Dividends VIP Subaccount
Accumulation unit value at beginning of period	$	30.298	$	25.495	$	22.288	$	23.467	$	21.897	$	17.129	$	15.522	$	14.855	$	12.491	$	10.799
Accumulation unit value at end of period	$	28.347	$	30.298	$	25.495	$	22.288	$	23.467	$	21.897	$	17.129	$	15.522	$	14.855	$	12.491
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Small Cap Value VIP Subaccount
Accumulation unit value at beginning of period	$	38.349	$	35.158	$	27.396	$	30.010	$	30.272	$	22.542	$	19.318	$	20.363	$	16.111	$	12.655
Accumulation unit value at end of period	$	32.930	$	38.349	$	35.158	$	27.396	$	30.010	$	30.272	$	22.542	$	19.318	$	20.363	$	16.111
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-6

Franklin Strategic Income VIP Subaccount
Accumulation unit value at beginning of period	$	18.587	$	18.033	$	16.949	$	17.886	$	17.814	$	17.492	$	15.739	$	15.566	$	14.238	$	11.487
Accumulation unit value at end of period	$	17.929	$	18.587	$	18.033	$	16.949	$	17.886	$	17.814	$	17.492	$	15.739	$	15.566	$	14.238
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin U.S. Government Securities VIP Subaccount
Accumulation unit value at beginning of period	$	12.5	$	12.513	$	12.611	$	12.733	$	12.495	$	12.966	$	12.911	$	12.394	$	11.942	$	11.752
Accumulation unit value at end of period	$	12.362	$	12.500	$	12.513	$	12.611	$	12.733	$	12.495	$	12.966	$	12.911	$	12.394	$	11.942
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Templeton Developing Markets VIP Subaccount
Accumulation unit value at beginning of period	$	34.111	$	24.645	$	21.289	$	26.864	$	29.749	$	30.462	$	27.31	$	32.926	$	28.408	$	16.698
Accumulation unit value at end of period	$	28.311	$	34.111	$	24.645	$	21.289	$	26.864	$	29.749	$	30.462	$	27.310	$	32.926	$	28.408
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Diversified Dividend Subaccount
Accumulation unit value at beginning of period	$	12.979	$	12.127	$	10.715	$	10.650	$	9.576	$	7.414	$	6.335	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	11.823	$	12.979	$	12.127	$	10.715	$	10.650	$	9.576	$	7.414	$	6.335	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		N/A		N/A
Invesco V.I. Health Care Subaccount
Accumulation unit value at beginning of period	$	28.437	$	24.906	$	28.537	$	28.063	$	23.79	$	17.173	$	14.411	$	14.064	$	13.55	$	10.767
Accumulation unit value at end of period	$	28.281	$	28.437	$	24.906	$	28.537	$	28.063	$	23.790	$	17.173	$	14.411	$	14.064	$	13.550
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Global Real Estate Subaccount
Accumulation unit value at beginning of period	$	30.804	$	27.643	$	27.482	$	28.299	$	25.047	$	24.739	$	19.59	$	21.257	$	18.351	$	14.155
Accumulation unit value at end of period	$	28.494	$	30.804	$	27.643	$	27.482	$	28.299	$	25.047	$	24.739	$	19.590	$	21.257	$	18.351
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Managed Volatility Subaccount
Accumulation unit value at beginning of period	$	33.291	$	30.547	$	28.015	$	29.046	$	24.44	$	22.386	$	21.921	$	19.097	$	18.226	$	16.088
Accumulation unit value at end of period	$	29.202	$	33.291	$	30.547	$	28.015	$	29.046	$	24.440	$	22.386	$	21.921	$	19.097	$	18.226
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust MidCap Value Subaccount
Accumulation unit value at beginning of period	$	29.952	$	26.709	$	23.623	$	24.620	$	21.698	$	16.638	$	14.023	$	13.925	$	11.443	$	9.077
Accumulation unit value at end of period	$	26.027	$	29.952	$	26.709	$	23.623	$	24.620	$	21.698	$	16.638	$	14.023	$	13.925	$	11.443
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust Small Cap Core Subaccount
Accumulation unit value at beginning of period	$	40.216	$	35.406	$	29.878	$	32.002	$	29.623	$	21.120	$	17.896	$	19.065	$	15.214	$	N/A
Accumulation unit value at end of period	$	34.909	$	40.216	$	35.406	$	29.878	$	32.002	$	29.623	$	21.120	$	17.896	$	19.065	$	15.214
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust US Equity Subaccount
Accumulation unit value at beginning of period	$	28.471	$	23.610	$	21.590	$	21.716	$	19.342	$	14.405	$	12.422	$	12.842	$	11.471	$	8.705
Accumulation unit value at end of period	$	26.332	$	28.471	$	23.610	$	21.590	$	21.716	$	19.342	$	14.405	$	12.422	$	12.842	$	11.471
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Balanced Subaccount
Accumulation unit value at beginning of period	$	71.285	$	61.061	$	59.218	$	59.707	$	55.823	$	47.133	$	42.085	$	42.006	$	39.318	$	31.685
Accumulation unit value at end of period	$	70.739	$	71.285	$	61.061	$	59.218	$	59.707	$	55.823	$	47.133	$	42.085	$	42.006	$	39.318
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Enterprise Subaccount
Accumulation unit value at beginning of period	$	92.031	$	73.27	$	66.152	$	64.512	$	58.163	$	44.574	$	38.555	$	39.677	$	31.984	$	22.405
Accumulation unit value at end of period	$	90.332	$	92.031	$	73.270	$	66.152	$	64.512	$	58.163	$	44.574	$	38.555	$	39.677	$	31.984
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Global Research Subaccount
Accumulation unit value at beginning of period	$	52.145	$	41.643	$	41.391	$	42.974	$	40.576	$	32.053	$	27.08	$	31.849	$	27.894	$	20.551
Accumulation unit value at end of period	$	47.866	$	52.145	$	41.643	$	41.391	$	42.974	$	40.576	$	32.053	$	27.080	$	31.849	$	27.894
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Mid Cap Value Subaccount
Accumulation unit value at beginning of period	$	36.824	$	32.875	$	28.081	$	29.580	$	27.674	$	22.315	$	20.434	$	21.367	$	18.790	$	14.341
Accumulation unit value at end of period	$	31.279	$	36.824	$	32.875	$	28.081	$	29.580	$	27.674	$	22.315	$	20.434	$	21.367	$	18.790
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Research Subaccount
Accumulation unit value at beginning of period	$	52.218	$	41.423	$	41.813	$	40.267	$	36.153	$	28.14	$	24.074	$	25.789	$	22.846	$	16.998
Accumulation unit value at end of period	$	50.141	$	52.218	$	41.423	$	41.813	$	40.267	$	36.153	$	28.140	$	24.074	$	25.789	$	22.846
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Capital Appreciation Subaccount
Accumulation unit value at beginning of period	$	25.143	$	20.162	$	20.963	$	20.594	$	18.147	$	15.872	$	13.866	$	14.284	$	12.124	$	8.532
Accumulation unit value at end of period	$	23.306	$	25.143	$	20.162	$	20.963	$	20.594	$	18.147	$	15.872	$	13.866	$	14.284	$	12.124
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-7

Oppenheimer Discovery Mid Cap Growth Subaccount
Accumulation unit value at beginning of period	$	28.540	$	22.539	$	22.399	$	21.368	$	20.543	$	15.366	$	N/A	$	N/A	$	N/A	$	8.532
Accumulation unit value at end of period	$	26.356	$	28.540	$	22.539	$	22.399	$	21.368	$	20.543	$	15.366	$	N/A	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Global Subaccount
Accumulation unit value at beginning of period	$	37.993	$	28.273	$	28.727	$	28.111	$	27.944	$	22.324	$	18.725	$	20.767	$	18.209	$	13.256
Accumulation unit value at end of period	$	32.431	$	37.993	$	28.273	$	28.727	$	28.111	$	27.944	$	22.324	$	18.725	$	20.767	$	18.209
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Global Strategic Income Subaccount
Accumulation unit value at beginning of period	$	17.131	$	16.39	$	15.646	$	16.279	$	16.113	$	16.407	$	14.711	$	14.828	$	13.107	$	11.229
Accumulation unit value at end of period	$	16.119	$	17.131	$	16.390	$	15.646	$	16.279	$	16.113	$	16.407	$	14.711	$	14.828	$	13.107
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Main Street Subaccount
Accumulation unit value at beginning of period	$	28.019	$	24.37	$	22.213	$	21.856	$	20.084	$	15.502	$	13.487	$	13.725	$	12.022	$	9.528
Accumulation unit value at end of period	$	25.381	$	28.019	$	24.370	$	22.213	$	21.856	$	20.084	$	15.502	$	13.487	$	13.725	$	12.022
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Main Street Small Cap Subaccount
Accumulation unit value at beginning of period	$	39.283	$	34.985	$	30.161	$	32.584	$	29.605	$	21.358	$	18.415	$	19.137	$	15.777	$	11.693
Accumulation unit value at end of period	$	34.638	$	39.283	$	34.985	$	30.161	$	32.584	$	29.605	$	21.358	$	18.415	$	19.137	$	15.777
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Voya Global Equity Subaccount
Accumulation unit value at beginning of period	$	12.929	$	10.625	$	10.192	$	10.931	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	11.581	$	12.929	$	10.625	$	10.192	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		N/A		N/A		N/A		N/A		N/A		N/A
VY JPMorgan Emerging Markets Equity Subaccount
Accumulation unit value at beginning of period	$	30.268	$	21.418	$	19.184	$	23.049	$	23.124	$	24.822	$	21.103	$	26.125	$	21.97	$	12.958
Accumulation unit value at end of period	$	24.885	$	30.268	$	21.418	$	19.184	$	23.049	$	23.124	$	24.822	$	21.103	$	26.125	$	21.970
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-8

Additional Contract Options Elected (0.30%)

Guaranteed Retirement Income Benefit—10 year

(Separate Account Charges of 1.60% of the Daily Net Assets of the Separate Account)

Tax Qualified Periodic Payment Contracts—1.60%

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Alger Large Cap Growth Subaccount
Accumulation unit value at beginning of period	$	103.649	$	81.970	$	83.973	$	83.877	$	76.783	$	57.752	$	53.409	$	54.451	$	48.790	$	33.591
Accumulation unit value at end of period	$	104.259	$	103.649	$	81.970	$	83.973	$	83.877	$	76.783	$	57.752	$	53.409	$	54.451	$	48.790
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Alger MidCap Growth Subaccount
Accumulation unit value at beginning of period	$	62.437	$	48.873	$	49.174	$	50.755	$	47.742	$	35.708	$	31.220	$	34.580	$	29.429	$	19.709
Accumulation unit value at end of period	$	56.873	$	62.437	$	48.873	$	49.174	$	50.755	$	47.742	$	35.708	$	31.220	$	34.580	$	29.429
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Alger Small Cap Growth Subaccount
Accumulation unit value at beginning of period	$	92.243	$	72.798	$	69.617	$	73.158	$	74.006	$	56.002	$	50.578	$	53.075	$	43.038	$	30.051
Accumulation unit value at end of period	$	92.085	$	92.243	$	72.798	$	69.617	$	73.158	$	74.006	$	56.002	$	50.578	$	53.075	$	43.038
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
American Century VP Income & Growth Subaccount
Accumulation unit value at beginning of period	$	14.567	$	12.283	$	10.997	$	11.838	$	10.691	$	7.997	$	7.081	$	6.977	$	6.210	$	5.343
Accumulation unit value at end of period	$	13.352	$	14.567	$	12.283	$	10.997	$	11.838	$	10.691	$	7.997	$	7.081	$	6.977	$	6.210
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
American Century VP Value Subaccount
Accumulation unit value at beginning of period	$	19.552	$	18.266	$	15.403	$	16.282	$	14.629	$	11.283	$	10.005	$	10.063	$	9.014	$	7.641
Accumulation unit value at end of period	$	17.481	$	19.552	$	18.266	$	15.403	$	16.282	$	14.629	$	11.283	$	10.005	$	10.063	$	9.014
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Bond VIP Subaccount (formerly Deutsche Bond VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	9.763	$	9.372	$	8.989	$	9.160	$	8.727	$	9.144	$	8.621	$	8.287	$	7.884	$	7.278
Accumulation unit value at end of period	$	9.353	$	9.763	$	9.372	$	8.989	$	9.160	$	8.727	$	9.144	$	8.621	$	8.287	$	7.884
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Capital Growth VIP Subaccount (formerly Deutsche Capital Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	49.002	$	39.417	$	38.415	$	35.933	$	32.316	$	24.385	$	21.349	$	22.705	$	19.766	$	15.529
Accumulation unit value at end of period	$	47.456	$	49.002	$	39.417	$	38.415	$	35.933	$	32.316	$	24.385	$	21.349	$	22.705	$	19.766
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Core Equity VIP Subaccount (formerly Deutsche Core Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	25.038	$	21.020	$	19.329	$	18.659	$	16.953	$	12.543	$	11.004	$	11.195	$	9.943	$	7.531
Accumulation unit value at end of period	$	23.241	$	25.038	$	21.020	$	19.329	$	18.659	$	16.953	$	12.543	$	11.004	$	11.195	$	9.943
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS CROCI® International VIP Subaccount (formerly Deutsche CROCI® International VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	14.617	$	12.176	$	12.280	$	13.200	$	15.199	$	12.844	$	10.817	$	13.189	$	13.185	$	10.033
Accumulation unit value at end of period	$	12.315	$	14.617	$	12.176	$	12.280	$	13.200	$	15.199	$	12.844	$	10.817	$	13.189	$	13.185
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS CROCI® U.S. VIP Subaccount, name change as of 5/1/17 (formerly Deutsche CROCI® U.S. VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.545	$	2.931	$	3.114	$	3.398	$	3.118	$	2.420	$	2.240	$	2.277	$	2.089	$	1.693
Accumulation unit value at end of period	$	3.123	$	3.545	$	2.931	$	3.114	$	3.398	$	3.118	$	2.420	$	2.240	$	2.277	$	2.089
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Global Equity VIP Subaccount (formerly Deutsche Global Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.165	$	2.592	$	2.482	$	2.566	$	2.578	$	2.195	$	1.901	$	2.196	$	2.012	$	1.580
Accumulation unit value at end of period	$	2.768	$	3.165	$	2.592	$	2.482	$	2.566	$	2.578	$	2.195	$	1.901	$	2.196	$	2.012
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Global Income Builder VIP Subaccount (formerly Deutsche Global Income Builder VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	11.737	$	10.232	$	9.732	$	10.032	$	9.817	$	8.552	$	7.691	$	7.926	$	7.240	$	5.960
Accumulation unit value at end of period	$	10.666	$	11.737	$	10.232	$	9.732	$	10.032	$	9.817	$	8.552	$	7.691	$	7.926	$	7.240
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-9

DWS Government & Agency Securities VIP Subaccount (formerly Deutsche Government & Agency Securities VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	2.902	$	2.899	$	2.912	$	2.959	$	2.856	$	2.992	$	2.954	$	2.793	$	2.661	$	2.502
Accumulation unit value at end of period	$	2.871	$	2.902	$	2.899	$	2.912	$	2.959	$	2.856	$	2.992	$	2.954	$	2.793	$	2.661
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Government Money Market VIP Subaccount (formerly Deutsche Government Money Market VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	2.460	$	2.488	$	2.527	$	2.567	$	2.608	$	2.649	$	2.691	$	2.734	$	2.777	$	2.812
Accumulation unit value at end of period	$	2.455	$	2.460	$	2.488	$	2.527	$	2.567	$	2.608	$	2.649	$	2.691	$	2.734	$	2.777
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS High Income VIP Subaccount (formerly Deutsche High Income VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	12.877	$	12.169	$	10.954	$	11.646	$	11.661	$	10.979	$	9.707	$	9.497	$	8.464	$	6.143
Accumulation unit value at end of period	$	12.355	$	12.877	$	12.169	$	10.954	$	11.646	$	11.661	$	10.979	$	9.707	$	9.497	$	8.464
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Small Mid Cap Growth VIP Subaccount (formerly Deutsche Small Mid Cap Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.906	$	3.249	$	3.026	$	3.103	$	2.982	$	2.122	$	1.886	$	1.994	$	1.565	$	1.131
Accumulation unit value at end of period	$	3.322	$	3.906	$	3.249	$	3.026	$	3.103	$	2.982	$	2.122	$	1.886	$	1.994	$	1.565
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Small Mid Cap Value VIP Subaccount (formerly Deutsche Small Mid Cap Value VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	4.620	$	4.247	$	3.691	$	3.823	$	3.681	$	2.765	$	2.470	$	2.672	$	2.206	$	1.728
Accumulation unit value at end of period	$	3.819	$	4.620	$	4.247	$	3.691	$	3.823	$	3.681	$	2.765	$	2.470	$	2.672	$	2.206
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Dreyfus Mid Cap Stock Subaccount
Accumulation unit value at beginning of period	$	32.585	$	28.776	$	25.378	$	26.449	$	24.044	$	18.136	$	15.441	$	15.656	$	12.530	$	9.407
Accumulation unit value at end of period	$	27.038	$	32.585	$	28.776	$	25.378	$	26.449	$	24.044	$	18.136	$	15.441	$	15.656	$	12.530
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Dreyfus Sustainable U.S Equity Portfolio
Accumulation unit value at beginning of period	$	51.688	$	45.531	$	41.910	$	43.986	$	39.390	$	29.790	$	27.030	$	27.217	$	24.084	$	18.294
Accumulation unit value at end of period	$	48.630	$	51.688	$	45.531	$	41.910	$	43.986	$	39.390	$	29.790	$	27.030	$	27.217	$	24.084
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Asset Manager Subaccount
Accumulation unit value at beginning of period	$	42.193	$	37.568	$	37.030	$	37.569	$	36.066	$	31.669	$	28.607	$	29.827	$	26.521	$	20.869
Accumulation unit value at end of period	$	39.304	$	42.193	$	37.568	$	37.030	$	37.569	$	36.066	$	31.669	$	28.607	$	29.827	$	26.521
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Contrafund® Subaccount
Accumulation unit value at beginning of period	$	81.830	$	68.213	$	64.165	$	64.757	$	58.773	$	45.483	$	39.696	$	41.375	$	35.862	$	26.848
Accumulation unit value at end of period	$	75.399	$	81.830	$	68.213	$	64.165	$	64.757	$	58.773	$	45.483	$	39.696	$	41.375	$	35.862
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Equity Income Subaccount
Accumulation unit value at beginning of period	$	67.212	$	60.485	$	52.068	$	55.086	$	51.479	$	40.814	$	35.350	$	35.569	$	31.383	$	24.488
Accumulation unit value at end of period	$	60.662	$	67.212	$	60.485	$	52.068	$	55.086	$	51.479	$	40.814	$	35.350	$	35.569	$	31.383
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Growth Subaccount
Accumulation unit value at beginning of period	$	114.912	$	86.392	$	87.073	$	82.544	$	75.351	$	56.153	$	49.746	$	50.438	$	41.268	$	32.684
Accumulation unit value at end of period	$	112.902	$	114.912	$	86.392	$	87.073	$	82.544	$	75.351	$	56.153	$	49.746	$	50.438	$	41.268
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Index 500 Subaccount
Accumulation unit value at beginning of period	$	333.663	$	278.511	$	252.954	$	253.618	$	226.885	$	174.310	$	152.788	$	152.126	$	134.372	$	107.832
Accumulation unit value at end of period	$	313.629	$	333.663	$	278.511	$	252.954	$	253.618	$	226.885	$	174.310	$	152.788	$	152.126	$	134.372
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Mutual Global Discovery VIP Subaccount
Accumulation unit value at beginning of period	$	32.175	$	30.100	$	27.261	$	28.746	$	27.629	$	21.997	$	19.716	$	20.641	$	18.731	$	15.433
Accumulation unit value at end of period	$	28.113	$	32.175	$	30.100	$	27.261	$	28.746	$	27.629	$	21.997	$	19.716	$	20.641	$	18.731
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Mutual Shares VIP Subaccount
Accumulation unit value at beginning of period	$	23.939	$	22.447	$	19.650	$	21.001	$	19.918	$	15.778	$	14.032	$	14.406	$	13.163	$	10.610
Accumulation unit value at end of period	$	21.424	$	23.939	$	22.447	$	19.650	$	21.001	$	19.918	$	15.778	$	14.032	$	14.406	$	13.163
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Rising Dividends VIP Subaccount
Accumulation unit value at beginning of period	$	29.649	$	24.985	$	21.875	$	23.066	$	21.555	$	16.886	$	15.324	$	14.688	$	12.369	$	10.709
Accumulation unit value at end of period	$	27.698	$	29.649	$	24.985	$	21.875	$	23.066	$	21.555	$	16.886	$	15.324	$	14.688	$	12.369
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-10

Franklin Small Cap Value VIP Subaccount
Accumulation unit value at beginning of period	$	37.526	$	34.455	$	26.888	$	29.497	$	29.799	$	22.222	$	19.072	$	20.133	$	15.953	$	12.549
Accumulation unit value at end of period	$	32.176	$	37.526	$	34.455	$	26.888	$	29.497	$	29.799	$	22.222	$	19.072	$	20.133	$	15.953
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Strategic Income VIP Subaccount
Accumulation unit value at beginning of period	$	18.188	$	17.673	$	16.634	$	17.581	$	17.535	$	17.244	$	15.539	$	15.391	$	14.098	$	11.391
Accumulation unit value at end of period	$	17.518	$	18.188	$	17.673	$	16.634	$	17.581	$	17.535	$	17.244	$	15.539	$	15.391	$	14.098
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin U.S. Government Securities VIP Subaccount
Accumulation unit value at beginning of period	$	12.232	$	12.263	$	12.377	$	12.515	$	12.299	$	12.782	$	12.747	$	12.254	$	11.825	$	11.645
Accumulation unit value at end of period	$	12.079	$	12.232	$	12.263	$	12.377	$	12.515	$	12.299	$	12.782	$	12.747	$	12.254	$	11.825
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Templeton Developing Markets VIP Subaccount
Accumulation unit value at beginning of period	$	33.380	$	24.152	$	20.894	$	26.404	$	29.284	$	30.029	$	26.962	$	32.555	$	28.129	$	16.559
Accumulation unit value at end of period	$	27.662	$	33.380	$	24.152	$	20.894	$	26.404	$	29.284	$	30.029	$	26.962	$	32.555	$	28.129
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Diversified Dividend Subaccount
Accumulation unit value at beginning of period	$	12.700	$	11.884	$	10.516	$	10.468	$	9.426	$	7.309	$	6.255	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	11.552	$	12.700	$	11.884	$	10.516	$	10.468	$	9.426	$	7.309	$	6.255	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		N/A		N/A
Invesco V.I. Health Care Subaccount
Accumulation unit value at beginning of period	$	27.827	$	24.408	$	28.007	$	27.583	$	23.418	$	16.929	$	14.227	$	13.905	$	13.417	$	10.677
Accumulation unit value at end of period	$	27.634	$	27.827	$	24.408	$	28.007	$	27.583	$	23.418	$	16.929	$	14.227	$	13.905	$	13.417
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Global Real Estate Subaccount
Accumulation unit value at beginning of period	$	30.144	$	27.090	$	26.972	$	27.815	$	24.655	$	24.388	$	19.341	$	21.017	$	18.171	$	14.037
Accumulation unit value at end of period	$	27.842	$	30.144	$	27.090	$	26.972	$	27.815	$	24.655	$	24.388	$	19.341	$	21.017	$	18.171
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Managed Volatility Subaccount
Accumulation unit value at beginning of period	$	32.577	$	29.936	$	27.495	$	28.549	$	24.058	$	22.069	$	21.642	$	18.882	$	18.047	$	15.954
Accumulation unit value at end of period	$	28.534	$	32.577	$	29.936	$	27.495	$	28.549	$	24.058	$	22.069	$	21.642	$	18.882	$	18.047
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust MidCap Value Subaccount
Accumulation unit value at beginning of period	$	29.337	$	26.199	$	23.207	$	24.221	$	21.379	$	16.418	$	13.857	$	13.781	$	11.341	$	9.009
Accumulation unit value at end of period	$	25.455	$	29.337	$	26.199	$	23.207	$	24.221	$	21.379	$	16.418	$	13.857	$	13.781	$	11.341
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust Small Cap Core Subaccount
Accumulation unit value at beginning of period	$	39.261	$	34.616	$	29.255	$	31.380	$	29.091	$	20.771	$	17.627	$	18.806	$	15.029	$	N/A
Accumulation unit value at end of period	$	34.030	$	39.261	$	34.616	$	29.255	$	31.380	$	29.091	$	20.771	$	17.627	$	18.806	$	15.029
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust US Equity Subaccount
Accumulation unit value at beginning of period	$	27.887	$	23.160	$	21.209	$	21.364	$	19.057	$	14.214	$	12.275	$	12.709	$	11.369	$	8.640
Accumulation unit value at end of period	$	25.753	$	27.887	$	23.160	$	21.209	$	21.364	$	19.057	$	14.214	$	12.275	$	12.709	$	11.369
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Balanced Subaccount
Accumulation unit value at beginning of period	$	69.593	$	59.700	$	57.983	$	58.548	$	54.820	$	46.355	$	41.452	$	41.435	$	38.840	$	31.347
Accumulation unit value at end of period	$	68.957	$	69.593	$	59.700	$	57.983	$	58.548	$	54.820	$	46.355	$	41.452	$	41.435	$	38.840
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Enterprise Subaccount
Accumulation unit value at beginning of period	$	89.846	$	71.636	$	64.772	$	63.259	$	57.119	$	43.838	$	37.975	$	39.137	$	31.595	$	22.165
Accumulation unit value at end of period	$	88.056	$	89.846	$	71.636	$	64.772	$	63.259	$	57.119	$	43.838	$	37.975	$	39.137	$	31.595
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Global Research Subaccount
Accumulation unit value at beginning of period	$	50.907	$	40.714	$	40.527	$	42.139	$	39.847	$	31.523	$	26.673	$	31.416	$	27.555	$	20.331
Accumulation unit value at end of period	$	46.660	$	50.907	$	40.714	$	40.527	$	42.139	$	39.847	$	31.523	$	26.673	$	31.416	$	27.555
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Mid Cap Value Subaccount
Accumulation unit value at beginning of period	$	36.035	$	32.218	$	27.560	$	29.074	$	27.241	$	21.999	$	20.174	$	21.126	$	18.606	$	14.222
Accumulation unit value at end of period	$	30.563	$	36.035	$	32.218	$	27.560	$	29.074	$	27.241	$	21.999	$	20.174	$	21.126	$	18.606
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Research Subaccount
Accumulation unit value at beginning of period	$	50.978	$	40.499	$	40.941	$	39.485	$	35.503	$	27.675	$	23.712	$	25.439	$	22.569	$	16.817
Accumulation unit value at end of period	$	48.878	$	50.978	$	40.499	$	40.941	$	39.485	$	35.503	$	27.675	$	23.712	$	25.439	$	22.569
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-11

Oppenheimer Capital Appreciation Subaccount
Accumulation unit value at beginning of period	$	24.604	$	19.759	$	20.574	$	20.242	$	17.863	$	14.022	$	12.519	$	12.896	$	12.005	$	8.461
Accumulation unit value at end of period	$	22.772	$	24.604	$	19.759	$	20.574	$	20.242	$	17.863	$	14.022	$	12.519	$	12.896	$	12.005
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Discovery Mid Cap Growth Subaccount
Accumulation unit value at beginning of period	$	27.928	$	22.088	$	21.984	$	20.221	$	15.148	$	13.249	$	N/A	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	25.753	$	27.928	$	22.088	$	21.984	$	20.221	$	15.148	$	13.249	$	N/A	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		N/A		N/A		N/A
Oppenheimer Global Strategic Income Subaccount
Accumulation unit value at beginning of period	$	16.764	$	16.062	$	15.356	$	16.000	$	15.861	$	16.174	$	14.524	$	14.661	$	12.978	$	11.136
Accumulation unit value at end of period	$	15.750	$	16.764	$	16.062	$	15.356	$	16.000	$	15.861	$	16.174	$	14.524	$	14.661	$	12.978
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Global Subaccount
Accumulation unit value at beginning of period	$	37.178	$	27.708	$	28.194	$	27.630	$	27.507	$	22.007	$	18.487	$	20.533	$	18.030	$	13.145
Accumulation unit value at end of period	$	31.689	$	37.178	$	27.708	$	28.194	$	27.630	$	27.507	$	22.007	$	18.487	$	20.533	$	18.030
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Main Street Subaccount
Accumulation unit value at beginning of period	$	27.419	$	23.883	$	21.801	$	21.482	$	19.770	$	15.282	$	13.315	$	13.570	$	11.904	$	9.449
Accumulation unit value at end of period	$	24.799	$	27.419	$	23.883	$	21.801	$	21.482	$	19.770	$	15.282	$	13.315	$	13.570	$	11.904
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Main Street Small Cap Subaccount
Accumulation unit value at beginning of period	$	38.441	$	34.285	$	29.601	$	32.026	$	29.142	$	21.055	$	18.180	$	18.921	$	15.622	$	11.595
Accumulation unit value at end of period	$	33.845	$	38.441	$	34.285	$	29.601	$	32.026	$	29.142	$	21.055	$	18.180	$	18.921	$	15.622
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Voya Global Equity Subaccount
Accumulation unit value at beginning of period	$	12.721	$	10.469	$	10.057	$	10.800	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	11.378	$	12.721	$	10.469	$	10.057	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		N/A		N/A		N/A		N/A		N/A		N/A
VY JPMorgan Emerging Markets Equity Subaccount
Accumulation unit value at beginning of period	$	29.732	$	21.070	$	18.900	$	22.741	$	22.849	$	24.563	$	20.915	$	25.929	$	21.838	$	12.899
Accumulation unit value at end of period	$	24.408	$	29.732	$	21.070	$	18.900	$	22.741	$	22.849	$	24.563	$	20.915	$	25.929	$	21.838
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-12

Additional Contract Options Elected (0.30%)

Guaranteed Retirement Income Benefit—10 year

(Separate Account Charges of 1.60% of the Daily Net Assets of the Separate Account)

Tax Nonqualified Periodic Payment Contracts—1.60%

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Alger Large Cap Growth Subaccount
Accumulation unit value at beginning of period	$	103.649	$	81.970	$	83.973	$	83.877	$	76.783	$	57.752	$	53.409	$	54.451	$	48.790	$	33.591
Accumulation unit value at end of period	$	104.259	$	103.649	$	81.970	$	83.973	$	83.877	$	76.783	$	57.752	$	53.409	$	54.451	$	48.790
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Alger MidCap Growth Subaccount
Accumulation unit value at beginning of period	$	62.437	$	48.873	$	49.174	$	50.755	$	47.742	$	35.708	$	31.220	$	34.580	$	29.429	$	19.709
Accumulation unit value at end of period	$	56.873	$	62.437	$	48.873	$	49.174	$	50.755	$	47.742	$	35.708	$	31.220	$	34.580	$	29.429
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Alger Small Cap Growth Subaccount
Accumulation unit value at beginning of period	$	92.243	$	72.798	$	69.617	$	73.158	$	74.006	$	56.002	$	50.578	$	53.075	$	43.038	$	30.051
Accumulation unit value at end of period	$	92.085	$	92.243	$	72.798	$	69.617	$	73.158	$	74.006	$	56.002	$	50.578	$	53.075	$	43.038
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
American Century VP Income & Growth Subaccount
Accumulation unit value at beginning of period	$	14.567	$	12.283	$	10.997	$	11.838	$	10.691	$	7.997	$	7.081	$	6.977	$	6.210	$	5.343
Accumulation unit value at end of period	$	13.352	$	14.567	$	12.283	$	10.997	$	11.838	$	10.691	$	7.997	$	7.081	$	6.977	$	6.210
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
American Century VP Value Subaccount
Accumulation unit value at beginning of period	$	19.552	$	18.266	$	15.403	$	16.282	$	14.629	$	11.283	$	10.005	$	10.063	$	9.014	$	7.641
Accumulation unit value at end of period	$	17.481	$	19.552	$	18.266	$	15.403	$	16.282	$	14.629	$	11.283	$	10.005	$	10.063	$	9.014
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Bond VIP Subaccount (formerly Deutsche Bond VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	9.763	$	9.372	$	8.989	$	9.160	$	8.727	$	9.144	$	8.621	$	8.287	$	7.884	$	7.278
Accumulation unit value at end of period	$	9.353	$	9.763	$	9.372	$	8.989	$	9.160	$	8.727	$	9.144	$	8.621	$	8.287	$	7.884
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Capital Growth VIP Subaccount (formerly Deutsche Capital Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	49.002	$	39.417	$	38.415	$	35.933	$	32.316	$	24.385	$	21.349	$	22.705	$	19.766	$	15.529
Accumulation unit value at end of period	$	47.456	$	49.002	$	39.417	$	38.415	$	35.933	$	32.316	$	24.385	$	21.349	$	22.705	$	19.766
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Core Equity VIP Subaccount (formerly Deutsche Core Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	25.038	$	21.020	$	19.329	$	18.659	$	16.953	$	12.543	$	11.004	$	11.195	$	9.943	$	7.531
Accumulation unit value at end of period	$	23.241	$	25.038	$	21.020	$	19.329	$	18.659	$	16.953	$	12.543	$	11.004	$	11.195	$	9.943
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS CROCI® International VIP Subaccount (formerly Deutsche CROCI® International VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	14.617	$	12.176	$	12.280	$	13.200	$	15.199	$	12.844	$	10.817	$	13.189	$	13.185	$	10.033
Accumulation unit value at end of period	$	12.315	$	14.617	$	12.176	$	12.280	$	13.200	$	15.199	$	12.844	$	10.817	$	13.189	$	13.185
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS CROCI® U.S. VIP Subaccount, name change as of 5/1/17 (formerly Deutsche CROCI® U.S. VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.545	$	2.931	$	3.114	$	3.398	$	3.118	$	2.420	$	2.240	$	2.277	$	2.089	$	1.693
Accumulation unit value at end of period	$	3.123	$	3.545	$	2.931	$	3.114	$	3.398	$	3.118	$	2.420	$	2.240	$	2.277	$	2.089
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Global Equity VIP Subaccount (formerly Deutsche Global Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.165	$	2.592	$	2.482	$	2.566	$	2.578	$	2.195	$	1.901	$	2.196	$	2.012	$	1.580
Accumulation unit value at end of period	$	2.768	$	3.165	$	2.592	$	2.482	$	2.566	$	2.578	$	2.195	$	1.901	$	2.196	$	2.012
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Global Income Builder VIP Subaccount (formerly Deutsche Global Income Builder VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	10.935	$	9.533	$	9.067	$	9.347	$	9.147	$	7.968	$	7.166	$	7.385	$	6.746	$	5.553
Accumulation unit value at end of period	$	9.937	$	10.935	$	9.533	$	9.067	$	9.347	$	9.147	$	7.968	$	7.166	$	7.385	$	6.746
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-13

DWS Government & Agency Securities VIP Subaccount (formerly Deutsche Government & Agency Securities VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	2.902	$	2.899	$	2.912	$	2.959	$	2.856	$	2.992	$	2.954	$	2.793	$	2.661	$	2.502
Accumulation unit value at end of period	$	2.871	$	2.902	$	2.899	$	2.912	$	2.959	$	2.856	$	2.992	$	2.954	$	2.793	$	2.661
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Government Money Market VIP Subaccount (formerly Deutsche Government Money Market VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	2.460	$	2.488	$	2.527	$	2.567	$	2.608	$	2.649	$	2.691	$	2.734	$	2.777	$	2.812
Accumulation unit value at end of period	$	2.455	$	2.460	$	2.488	$	2.527	$	2.567	$	2.608	$	2.649	$	2.691	$	2.734	$	2.777
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS High Income VIP Subaccount (formerly Deutsche High Income VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	12.545	$	11.855	$	10.671	$	11.345	$	11.360	$	10.979	$	9.707	$	9.497	$	8.464	$	6.143
Accumulation unit value at end of period	$	12.036	$	12.545	$	11.855	$	10.671	$	11.345	$	11.360	$	10.979	$	9.707	$	9.497	$	8.464
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Small Mid Cap Growth VIP Subaccount (formerly Deutsche Small Mid Cap Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.906	$	3.249	$	3.026	$	3.103	$	2.982	$	2.122	$	1.886	$	1.994	$	1.565	$	1.131
Accumulation unit value at end of period	$	3.322	$	3.906	$	3.249	$	3.026	$	3.103	$	2.982	$	2.122	$	1.886	$	1.994	$	1.565
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Small Mid Cap Value VIP Subaccount (formerly Deutsche Small Mid Cap Value VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	4.620	$	4.247	$	3.691	$	3.823	$	3.681	$	2.765	$	2.470	$	2.672	$	2.206	$	1.728
Accumulation unit value at end of period	$	3.819	$	4.620	$	4.247	$	3.691	$	3.823	$	3.681	$	2.765	$	2.470	$	2.672	$	2.206
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Dreyfus Mid Cap Stock Subaccount
Accumulation unit value at beginning of period	$	32.585	$	28.776	$	25.378	$	26.449	$	24.044	$	18.136	$	15.441	$	15.656	$	12.530	$	9.407
Accumulation unit value at end of period	$	27.038	$	32.585	$	28.776	$	25.378	$	26.449	$	24.044	$	18.136	$	15.441	$	15.656	$	12.530
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Dreyfus Sustainable U.S Equity Portfolio
Accumulation unit value at beginning of period	$	51.688	$	45.531	$	41.910	$	43.986	$	39.390	$	29.790	$	27.030	$	27.217	$	24.084	$	18.294
Accumulation unit value at end of period	$	48.630	$	51.688	$	45.531	$	41.910	$	43.986	$	39.390	$	29.790	$	27.030	$	27.217	$	24.084
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Asset Manager Subaccount
Accumulation unit value at beginning of period	$	42.193	$	37.568	$	37.030	$	37.569	$	36.066	$	31.669	$	28.607	$	29.827	$	26.521	$	20.869
Accumulation unit value at end of period	$	39.304	$	42.193	$	37.568	$	37.030	$	37.569	$	36.066	$	31.669	$	28.607	$	29.827	$	26.521
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Contrafund® Subaccount
Accumulation unit value at beginning of period	$	81.830	$	68.213	$	64.165	$	64.757	$	58.773	$	45.483	$	39.696	$	41.375	$	35.862	$	26.848
Accumulation unit value at end of period	$	75.399	$	81.830	$	68.213	$	64.165	$	64.757	$	58.773	$	45.483	$	39.696	$	41.375	$	35.862
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Equity Income Subaccount
Accumulation unit value at beginning of period	$	67.212	$	60.485	$	52.068	$	55.086	$	51.479	$	40.814	$	35.350	$	35.569	$	31.383	$	24.488
Accumulation unit value at end of period	$	60.662	$	67.212	$	60.485	$	52.068	$	55.086	$	51.479	$	40.814	$	35.350	$	35.569	$	31.383
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Growth Subaccount
Accumulation unit value at beginning of period	$	114.912	$	86.392	$	87.073	$	82.544	$	75.351	$	56.153	$	49.746	$	50.438	$	41.268	$	32.684
Accumulation unit value at end of period	$	112.902	$	114.912	$	86.392	$	87.073	$	82.544	$	75.351	$	56.153	$	49.746	$	50.438	$	41.268
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Index 500 Subaccount
Accumulation unit value at beginning of period	$	333.663	$	278.511	$	252.954	$	253.618	$	226.885	$	174.310	$	152.788	$	152.126	$	134.372	$	107.832
Accumulation unit value at end of period	$	313.629	$	333.663	$	278.511	$	252.954	$	253.618	$	226.885	$	174.310	$	152.788	$	152.126	$	134.372
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Mutual Global Discovery VIP Subaccount
Accumulation unit value at beginning of period	$	32.175	$	30.100	$	27.261	$	28.746	$	27.629	$	21.997	$	19.716	$	20.641	$	18.731	$	15.433
Accumulation unit value at end of period	$	28.113	$	32.175	$	30.100	$	27.261	$	28.746	$	27.629	$	21.997	$	19.716	$	20.641	$	18.731
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Mutual Shares VIP Subaccount
Accumulation unit value at beginning of period	$	23.939	$	22.447	$	19.650	$	21.001	$	19.918	$	15.778	$	14.032	$	14.406	$	13.163	$	10.610
Accumulation unit value at end of period	$	21.424	$	23.939	$	22.447	$	19.650	$	21.001	$	19.918	$	15.778	$	14.032	$	14.406	$	13.163
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Rising Dividends VIP Subaccount
Accumulation unit value at beginning of period	$	29.649	$	24.985	$	21.875	$	23.066	$	21.555	$	16.886	$	15.324	$	14.688	$	12.369	$	10.709
Accumulation unit value at end of period	$	27.698	$	29.649	$	24.985	$	21.875	$	23.066	$	21.555	$	16.886	$	15.324	$	14.688	$	12.369
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-14

Franklin Small Cap Value VIP Subaccount
Accumulation unit value at beginning of period	$	37.526	$	34.455	$	26.888	$	29.497	$	29.799	$	22.222	$	19.072	$	20.133	$	15.953	$	12.549
Accumulation unit value at end of period	$	32.176	$	37.526	$	34.455	$	26.888	$	29.497	$	29.799	$	22.222	$	19.072	$	20.133	$	15.953
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Strategic Income VIP Subaccount
Accumulation unit value at beginning of period	$	18.188	$	17.673	$	16.634	$	17.581	$	17.535	$	17.244	$	15.539	$	15.391	$	14.098	$	11.391
Accumulation unit value at end of period	$	17.518	$	18.188	$	17.673	$	16.634	$	17.581	$	17.535	$	17.244	$	15.539	$	15.391	$	14.098
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin U.S. Government Securities VIP Subaccount
Accumulation unit value at beginning of period	$	12.232	$	12.263	$	12.377	$	12.515	$	12.299	$	12.782	$	12.747	$	12.254	$	11.825	$	11.645
Accumulation unit value at end of period	$	12.079	$	12.232	$	12.263	$	12.377	$	12.515	$	12.299	$	12.782	$	12.747	$	12.254	$	11.825
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Templeton Developing Markets VIP Subaccount
Accumulation unit value at beginning of period	$	33.380	$	24.152	$	20.894	$	26.404	$	29.284	$	30.029	$	26.962	$	32.555	$	28.129	$	16.559
Accumulation unit value at end of period	$	27.662	$	33.380	$	24.152	$	20.894	$	26.404	$	29.284	$	30.029	$	26.962	$	32.555	$	28.129
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Diversified Dividend Subaccount
Accumulation unit value at beginning of period	$	12.700	$	11.884	$	10.516	$	10.468	$	9.426	$	7.309	$	6.255	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	11.552	$	12.700	$	11.884	$	10.516	$	10.468	$	9.426	$	7.309	$	6.255	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		N/A		N/A
Invesco V.I. Health Care Subaccount
Accumulation unit value at beginning of period	$	27.827	$	24.408	$	28.007	$	27.583	$	23.418	$	16.929	$	14.227	$	13.905	$	13.417	$	10.677
Accumulation unit value at end of period	$	27.634	$	27.827	$	24.408	$	28.007	$	27.583	$	23.418	$	16.929	$	14.227	$	13.905	$	13.417
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Global Real Estate Subaccount
Accumulation unit value at beginning of period	$	30.144	$	27.090	$	26.972	$	27.815	$	24.655	$	24.388	$	19.341	$	21.017	$	18.171	$	14.037
Accumulation unit value at end of period	$	27.842	$	30.144	$	27.090	$	26.972	$	27.815	$	24.655	$	24.388	$	19.341	$	21.017	$	18.171
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Managed Volatility Subaccount
Accumulation unit value at beginning of period	$	32.577	$	29.936	$	27.495	$	28.549	$	24.058	$	22.069	$	21.642	$	18.882	$	18.047	$	15.954
Accumulation unit value at end of period	$	28.534	$	32.577	$	29.936	$	27.495	$	28.549	$	24.058	$	22.069	$	21.642	$	18.882	$	18.047
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust MidCap Value Subaccount
Accumulation unit value at beginning of period	$	29.337	$	26.199	$	23.207	$	24.221	$	21.379	$	16.418	$	13.857	$	13.781	$	11.341	$	9.009
Accumulation unit value at end of period	$	25.455	$	29.337	$	26.199	$	23.207	$	24.221	$	21.379	$	16.418	$	13.857	$	13.781	$	11.341
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust Small Cap Core Subaccount
Accumulation unit value at beginning of period	$	39.261	$	34.616	$	29.255	$	31.380	$	29.091	$	20.771	$	17.627	$	18.806	$	15.029	$	N/A
Accumulation unit value at end of period	$	34.030	$	39.261	$	34.616	$	29.255	$	31.380	$	29.091	$	20.771	$	17.627	$	18.806	$	15.029
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-15

JPMorgan Insurance Trust US Equity Subaccount
Accumulation unit value at beginning of period	$	27.887	$	23.160	$	21.209	$	21.364	$	19.057	$	14.214	$	12.275	$	12.709	$	11.369	$	8.640
Accumulation unit value at end of period	$	25.753	$	27.887	$	23.160	$	21.209	$	21.364	$	19.057	$	14.214	$	12.275	$	12.709	$	11.369
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Balanced Subaccount
Accumulation unit value at beginning of period	$	69.593	$	59.700	$	57.983	$	58.548	$	54.820	$	46.355	$	41.452	$	41.435	$	38.840	$	31.347
Accumulation unit value at end of period	$	68.957	$	69.593	$	59.700	$	57.983	$	58.548	$	54.820	$	46.355	$	41.452	$	41.435	$	38.840
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Enterprise Subaccount
Accumulation unit value at beginning of period	$	89.846	$	71.636	$	64.772	$	63.259	$	57.119	$	43.838	$	37.975	$	39.137	$	31.595	$	22.165
Accumulation unit value at end of period	$	88.056	$	89.846	$	71.636	$	64.772	$	63.259	$	57.119	$	43.838	$	37.975	$	39.137	$	31.595
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Global Research Subaccount
Accumulation unit value at beginning of period	$	50.907	$	40.714	$	40.527	$	42.139	$	39.847	$	31.523	$	26.673	$	31.416	$	27.555	$	20.331
Accumulation unit value at end of period	$	46.660	$	50.907	$	40.714	$	40.527	$	42.139	$	39.847	$	31.523	$	26.673	$	31.416	$	27.555
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Mid Cap Value Subaccount
Accumulation unit value at beginning of period	$	36.035	$	32.218	$	27.560	$	29.074	$	27.241	$	21.999	$	20.174	$	21.126	$	18.606	$	14.222
Accumulation unit value at end of period	$	30.563	$	36.035	$	32.218	$	27.560	$	29.074	$	27.241	$	21.999	$	20.174	$	21.126	$	18.606
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Research Subaccount
Accumulation unit value at beginning of period	$	50.978	$	40.499	$	40.941	$	39.485	$	35.503	$	27.675	$	23.712	$	25.439	$	22.569	$	16.817
Accumulation unit value at end of period	$	48.878	$	50.978	$	40.499	$	40.941	$	39.485	$	35.503	$	27.675	$	23.712	$	25.439	$	22.569
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Capital Appreciation Subaccount
Accumulation unit value at beginning of period	$	24.604	$	19.759	$	20.574	$	20.242	$	17.863	$	14.022	$	12.519	$	12.896	$	12.005	$	8.461
Accumulation unit value at end of period	$	22.772	$	24.604	$	19.759	$	20.574	$	20.242	$	17.863	$	14.022	$	12.519	$	12.896	$	12.005
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Discovery Mid Cap Growth Subaccount
Accumulation unit value at beginning of period	$	27.928	$	22.088	$	21.984	$	20.221	$	15.148	$	13.249	$	N/A	$	N/A	$	N/A	$	8.461
Accumulation unit value at end of period	$	25.753	$	27.928	$	22.088	$	21.984	$	20.221	$	15.148	$	13.249	$	N/A	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Global Subaccount
Accumulation unit value at beginning of period	$	37.178	$	27.708	$	28.194	$	27.630	$	27.507	$	22.007	$	18.487	$	20.533	$	18.030	$	13.145
Accumulation unit value at end of period	$	31.689	$	37.178	$	27.708	$	28.194	$	27.630	$	27.507	$	22.007	$	18.487	$	20.533	$	18.030
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Global Strategic Income Subaccount
Accumulation unit value at beginning of period	$	16.764	$	16.062	$	15.356	$	16.000	$	15.861	$	16.174	$	14.524	$	14.661	$	12.978	$	11.136
Accumulation unit value at end of period	$	15.750	$	16.764	$	16.062	$	15.356	$	16.000	$	15.861	$	16.174	$	14.524	$	14.661	$	12.978
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Main Street Subaccount
Accumulation unit value at beginning of period	$	27.419	$	23.883	$	21.801	$	21.482	$	19.770	$	15.282	$	13.315	$	13.570	$	11.904	$	9.449
Accumulation unit value at end of period	$	24.799	$	27.419	$	23.883	$	21.801	$	21.482	$	19.770	$	15.282	$	13.315	$	13.570	$	11.904
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Main Street Small Cap Subaccount
Accumulation unit value at beginning of period	$	38.441	$	34.285	$	29.601	$	32.026	$	29.142	$	21.055	$	18.180	$	18.921	$	15.622	$	11.595
Accumulation unit value at end of period	$	33.845	$	38.441	$	34.285	$	29.601	$	32.026	$	29.142	$	21.055	$	18.180	$	18.921	$	15.622
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Voya Global Equity Subaccount
Accumulation unit value at beginning of period	$	12.721	$	10.469	$	10.057	$	10.800	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	11.378	$	12.721	$	10.469	$	10.057	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		N/A		N/A		N/A		N/A		N/A		N/A
VY JPMorgan Emerging Markets Equity Subaccount
Accumulation unit value at beginning of period	$	29.732	$	21.070	$	18.900	$	22.741	$	22.849	$	24.563	$	20.915	$	25.929	$	21.838	$	12.899
Accumulation unit value at end of period	$	24.408	$	29.732	$	21.070	$	18.900	$	22.741	$	22.849	$	24.563	$	20.915	$	25.929	$	21.838
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-16

Additional Contract Options Elected (0.35%)

Guaranteed Minimum Death Benefit and Earnings Based Death Benefit

(Separate Account Charges of 1.65% of the Daily Net Assets of the Separate Account)

Tax Qualified Periodic Payment Contracts—1.65%

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Alger Large Cap Growth Subaccount
Accumulation unit value at beginning of period	$	102.822	$	81.355	$	83.385	$	83.330	$	76.320	$	57.432	$	53.139	$	54.203	$	48.592	$	33.471
Accumulation unit value at end of period	$	103.375	$	102.822	$	81.355	$	83.385	$	83.330	$	76.320	$	57.432	$	53.139	$	54.203	$	48.592
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		0		0		0		0		0		0		0
Alger MidCap Growth Subaccount
Accumulation unit value at beginning of period	$	61.939	$	48.506	$	48.829	$	50.424	$	47.454	$	35.510	$	31.062	$	34.423	$	29.309	$	19.639
Accumulation unit value at end of period	$	56.391	$	61.939	$	48.506	$	48.829	$	50.424	$	47.454	$	35.510	$	31.062	$	34.423	$	29.309
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Alger Small Cap Growth Subaccount
Accumulation unit value at beginning of period	$	91.507	$	72.253	$	69.129	$	72.682	$	73.560	$	55.692	$	50.323	$	52.834	$	42.863	$	29.944
Accumulation unit value at end of period	$	91.305	$	91.507	$	72.253	$	69.129	$	72.682	$	73.560	$	55.692	$	50.323	$	52.834	$	42.863
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
American Century VP Income & Growth Subaccount
Accumulation unit value at beginning of period	$	14.451	$	12.191	$	10.920	$	11.761	$	10.626	$	7.953	$	7.046	$	6.945	$	6.185	$	5.324
Accumulation unit value at end of period	$	13.239	$	14.451	$	12.191	$	10.920	$	11.761	$	10.626	$	7.953	$	7.046	$	6.945	$	6.185
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
American Century VP Value Subaccount
Accumulation unit value at beginning of period	$	19.396	$	18.129	$	15.295	$	16.176	$	14.540	$	11.220	$	9.955	$	10.017	$	8.977	$	7.613
Accumulation unit value at end of period	$	17.333	$	19.396	$	18.129	$	15.295	$	16.176	$	14.540	$	11.220	$	9.955	$	10.017	$	8.977
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Bond VIP Subaccount (formerly Deutsche Bond VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	9.685	$	9.302	$	8.926	$	9.100	$	8.675	$	9.093	$	8.577	$	8.249	$	7.852	$	7.252
Accumulation unit value at end of period	$	9.274	$	9.685	$	9.302	$	8.926	$	9.100	$	8.675	$	9.093	$	8.577	$	8.249	$	7.852
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Capital Growth VIP Subaccount (formerly Deutsche Capital Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	48.611	$	39.122	$	38.146	$	35.699	$	32.121	$	24.250	$	21.241	$	22.602	$	19.685	$	15.772
Accumulation unit value at end of period	$	47.054	$	48.611	$	39.122	$	38.146	$	35.699	$	32.121	$	24.250	$	21.241	$	22.602	$	19.685
Number of accumulation units outstanding at end of period (000’s omitted)		—		0		0		0		0		0		0		0		0		0
DWS Core Equity VIP Subaccount (formerly Deutsche Core Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	24.882	$	20.899	$	19.228	$	18.571	$	16.881	$	12.495	$	10.967	$	11.164	$	9.920	$	7.517
Accumulation unit value at end of period	$	23.085	$	24.882	$	20.899	$	19.228	$	18.571	$	16.881	$	12.495	$	10.967	$	11.164	$	9.920
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS CROCI® International VIP Subaccount (formerly Deutsche CROCI® International VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	14.500	$	12.085	$	12.194	$	13.114	$	15.108	$	12.773	$	10.762	$	13.129	$	13.132	$	9.998
Accumulation unit value at end of period	$	12.210	$	14.500	$	12.085	$	12.194	$	13.114	$	15.108	$	12.773	$	10.762	$	13.129	$	13.132
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS CROCI® U.S. VIP Subaccount, name change as of 5/1/17 (formerly Deutsche CROCI® U.S. VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.517	$	2.909	$	3.093	$	3.376	$	3.099	$	2.407	$	2.228	$	2.267	$	2.080	$	1.686
Accumulation unit value at end of period	$	3.096	$	3.517	$	2.909	$	3.093	$	3.376	$	3.099	$	2.407	$	2.228	$	2.267	$	2.080
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-17

DWS Global Equity VIP Subaccount (formerly Deutsche Global Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.139	$	2.573	$	2.464	$	2.550	$	2.562	$	2.183	$	1.891	$	2.186	$	2.003	$	1.574
Accumulation unit value at end of period	$	2.745	$	3.139	$	2.573	$	2.464	$	2.550	$	2.562	$	2.183	$	1.891	$	2.186	$	2.003
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Global Income Builder VIP Subaccount (formerly Deutsche Global Income Builder VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	11.643	$	10.155	$	9.664	$	9.967	$	9.758	$	8.504	$	7.652	$	7.890	$	7.211	$	5.939
Accumulation unit value at end of period	$	10.575	$	11.643	$	10.155	$	9.664	$	9.967	$	9.758	$	8.504	$	7.652	$	7.890	$	7.211
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		1		1		1		1		1		1		1		1
DWS Government & Agency Securities VIP Subaccount (formerly Deutsche Government & Agency Securities VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	2.878	$	2.878	$	2.892	$	2.940	$	2.838	$	2.976	$	2.939	$	2.780	$	2.651	$	2.493
Accumulation unit value at end of period	$	2.847	$	2.878	$	2.878	$	2.892	$	2.940	$	2.838	$	2.976	$	2.939	$	2.780	$	2.651
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Government Money Market VIP Subaccount (formerly Deutsche Government Money Market VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	2.441	$	2.470	$	2.509	$	2.550	$	2.592	$	2.634	$	2.678	$	2.722	$	2.766	$	2.802
Accumulation unit value at end of period	$	2.434	$	2.441	$	2.470	$	2.509	$	2.550	$	2.592	$	2.634	$	2.678	$	2.722	$	2.766
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS High Income VIP Subaccount (formerly Deutsche High Income VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	12.775	$	12.078	$	10.878	$	11.570	$	11.591	$	10.918	$	9.658	$	9.454	$	8.430	$	6.121
Accumulation unit value at end of period	$	12.250	$	12.775	$	12.078	$	10.878	$	11.570	$	11.591	$	10.918	$	9.658	$	9.454	$	8.430
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Small Mid Cap Growth VIP Subaccount (formerly Deutsche Small Mid Cap Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.875	$	3.225	$	3.005	$	3.082	$	2.964	$	2.110	$	1.876	$	1.985	$	1.558	$	1.127
Accumulation unit value at end of period	$	3.293	$	3.875	$	3.225	$	3.005	$	3.082	$	2.964	$	2.110	$	1.876	$	1.985	$	1.558
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		1		1		1		1		1		1		1		1
DWS Small Mid Cap Value VIP Subaccount (formerly Deutsche Small Mid Cap Value VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	4.583	$	4.215	$	3.665	$	3.799	$	3.659	$	2.750	$	2.457	$	2.660	$	2.197	$	1.722
Accumulation unit value at end of period	$	3.786	$	4.583	$	4.215	$	3.665	$	3.799	$	3.659	$	2.750	$	2.457	$	2.660	$	2.197
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		1		1		1		1		1		1		1		1
Dreyfus Mid Cap Stock Subaccount
Accumulation unit value at beginning of period	$	32.350	$	28.583	$	25.220	$	26.297	$	23.918	$	18.050	$	15.375	$	15.597	$	12.489	$	9.381
Accumulation unit value at end of period	$	26.830	$	32.350	$	28.583	$	25.220	$	26.297	$	23.918	$	18.050	$	15.375	$	15.597	$	12.489
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Dreyfus Sustainable U.S Equity Portfolio
Accumulation unit value at beginning of period	$	51.276	$	45.190	$	41.617	$	43.699	$	39.153	$	29.625	$	26.894	$	27.093	$	23.986	$	18.228
Accumulation unit value at end of period	$	48.218	$	51.276	$	45.190	$	41.617	$	43.699	$	39.153	$	29.625	$	26.894	$	27.093	$	23.986
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Asset Manager Subaccount
Accumulation unit value at beginning of period	$	41.857	$	37.286	$	36.771	$	37.324	$	35.849	$	31.494	$	28.462	$	29.691	$	26.413	$	20.795
Accumulation unit value at end of period	$	38.971	$	41.857	$	37.286	$	36.771	$	37.324	$	35.849	$	31.494	$	28.462	$	29.691	$	26.413
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		0		0		0		0		0		0		0
Fidelity VIP Contrafund® Subaccount
Accumulation unit value at beginning of period	$	81.177	$	67.702	$	63.715	$	64.335	$	58.419	$	45.231	$	39.496	$	41.186	$	35.716	$	26.752
Accumulation unit value at end of period	$	74.760	$	81.177	$	67.702	$	63.715	$	64.335	$	58.419	$	45.231	$	39.496	$	41.186	$	35.716
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		1		1		1		1		1		1		1		1
Fidelity VIP Equity Income Subaccount
Accumulation unit value at beginning of period	$	66.676	$	60.032	$	51.704	$	54.727	$	51.168	$	40.588	$	35.172	$	35.407	$	31.256	$	24.401
Accumulation unit value at end of period	$	60.148	$	66.676	$	60.032	$	51.704	$	54.727	$	51.168	$	40.588	$	35.172	$	35.407	$	31.256
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Growth Subaccount
Accumulation unit value at beginning of period	$	113.995	$	85.744	$	86.463	$	82.006	$	74.897	$	55.842	$	49.495	$	50.208	$	41.101	$	32.567
Accumulation unit value at end of period	$	111.945	$	113.995	$	85.744	$	86.463	$	82.006	$	74.897	$	55.842	$	49.495	$	50.208	$	41.101
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Index 500 Subaccount
Accumulation unit value at beginning of period	$	331.000	$	276.424	$	251.183	$	251.966	$	225.518	$	173.345	$	152.018	$	151.433	$	133.826	$	107.446
Accumulation unit value at end of period	$	310.972	$	331.000	$	276.424	$	251.183	$	251.966	$	225.518	$	173.345	$	152.018	$	151.433	$	133.826
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		0		0		0		0		0		0		0
Franklin Mutual Global Discovery VIP Subaccount
Accumulation unit value at beginning of period	$	31.943	$	29.898	$	27.091	$	28.582	$	27.484	$	21.892	$	19.632	$	20.564	$	18.670	$	15.390
Accumulation unit value at end of period	$	27.897	$	31.943	$	29.898	$	27.091	$	28.582	$	27.484	$	21.892	$	19.632	$	20.564	$	18.670
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-18

Franklin Mutual Shares VIP Subaccount
Accumulation unit value at beginning of period	$	23.767	$	22.296	$	19.528	$	20.881	$	19.814	$	15.703	$	13.972	$	14.352	$	13.120	$	10.580
Accumulation unit value at end of period	$	21.259	$	23.767	$	22.296	$	19.528	$	20.881	$	19.814	$	15.703	$	13.972	$	14.352	$	13.120
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Rising Dividends VIP Subaccount
Accumulation unit value at beginning of period	$	29.435	$	24.817	$	21.738	$	22.934	$	21.442	$	16.806	$	15.259	$	14.632	$	12.328	$	10.679
Accumulation unit value at end of period	$	27.485	$	29.435	$	24.817	$	21.738	$	22.934	$	21.442	$	16.806	$	15.259	$	14.632	$	12.328
Number of accumulation units outstanding at end of period (000’s omitted)		—		0		0		0		0		0		0		2		2		2
Franklin Small Cap Value VIP Subaccount
Accumulation unit value at beginning of period	$	37.256	$	34.223	$	26.720	$	29.328	$	29.642	$	22.117	$	18.990	$	20.057	$	15.901	$	12.514
Accumulation unit value at end of period	$	31.929	$	37.256	$	34.223	$	26.720	$	29.328	$	29.642	$	22.117	$	18.990	$	20.057	$	15.901
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Strategic Income VIP Subaccount
Accumulation unit value at beginning of period	$	18.057	$	17.554	$	16.531	$	17.480	$	17.443	$	17.162	$	15.473	$	15.333	$	14.052	$	11.359
Accumulation unit value at end of period	$	17.383	$	18.057	$	17.554	$	16.531	$	17.480	$	17.443	$	17.162	$	15.473	$	15.333	$	14.052
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin U.S. Government Securities VIP Subaccount
Accumulation unit value at beginning of period	$	12.144	$	12.181	$	12.300	$	12.443	$	12.235	$	12.721	$	12.692	$	12.208	$	11.786	$	11.621
Accumulation unit value at end of period	$	11.986	$	12.144	$	12.181	$	12.300	$	12.443	$	12.235	$	12.721	$	12.692	$	12.208	$	11.786
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Templeton Developing Markets VIP Subaccount
Accumulation unit value at beginning of period	$	33.140	$	23.990	$	20.763	$	26.253	$	29.130	$	29.887	$	26.847	$	32.432	$	28.037	$	16.512
Accumulation unit value at end of period	$	27.449	$	33.140	$	23.990	$	20.763	$	26.253	$	29.130	$	29.887	$	26.847	$	32.432	$	28.037
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Diversified Dividend Subaccount
Accumulation unit value at beginning of period	$	12.609	$	11.804	$	10.450	$	10.408	$	9.377	$	7.274	$	6.228	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	11.463	$	12.609	$	11.804	$	10.450	$	10.408	$	9.377	$	7.274	$	6.228	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		N/A		N/A
Invesco V.I. Health Care Subaccount
Accumulation unit value at beginning of period	$	27.626	$	24.244	$	27.833	$	27.425	$	23.295	$	16.849	$	14.167	$	13.853	$	13.373	$	10.647
Accumulation unit value at end of period	$	27.421	$	27.626	$	24.244	$	27.833	$	27.425	$	23.295	$	16.849	$	14.167	$	13.853	$	13.373
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Global Real Estate Subaccount
Accumulation unit value at beginning of period	$	29.927	$	26.908	$	26.804	$	27.656	$	24.526	$	24.272	$	19.258	$	20.938	$	18.111	$	13.997
Accumulation unit value at end of period	$	27.627	$	29.927	$	26.908	$	26.804	$	27.656	$	24.526	$	24.272	$	19.258	$	20.938	$	18.111
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Managed Volatility Subaccount
Accumulation unit value at beginning of period	$	32.342	$	29.735	$	27.324	$	28.386	$	23.931	$	21.964	$	21.550	$	18.811	$	17.988	$	15.909
Accumulation unit value at end of period	$	28.314	$	32.342	$	29.735	$	27.324	$	28.386	$	23.931	$	21.964	$	21.550	$	18.811	$	17.988
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust MidCap Value Subaccount
Accumulation unit value at beginning of period	$	29.135	$	26.031	$	23.069	$	24.090	$	21.273	$	16.345	$	13.802	$	13.733	$	11.307	$	8.987
Accumulation unit value at end of period	$	25.267	$	29.135	$	26.031	$	23.069	$	24.090	$	21.273	$	16.345	$	13.802	$	13.733	$	11.307
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust Small Cap Core Subaccount
Accumulation unit value at beginning of period	$	38.948	$	34.357	$	29.050	$	31.176	$	28.916	$	20.656	$	17.538	$	18.720	$	14.968	$	N/A
Accumulation unit value at end of period	$	33.741	$	38.948	$	34.357	$	29.050	$	31.176	$	28.916	$	20.656	$	17.538	$	18.720	$	14.968
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust US Equity Subaccount
Accumulation unit value at beginning of period	$	27.694	$	23.011	$	21.084	$	21.248	$	18.963	$	14.150	$	12.227	$	12.665	$	11.335	$	8.619
Accumulation unit value at end of period	$	25.563	$	27.694	$	23.011	$	21.084	$	21.248	$	18.963	$	14.150	$	12.227	$	12.665	$	11.335
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Balanced Subaccount
Accumulation unit value at beginning of period	$	69.037	$	59.252	$	57.577	$	58.167	$	54.490	$	46.098	$	41.243	$	41.246	$	38.683	$	31.235
Accumulation unit value at end of period	$	68.373	$	69.037	$	59.252	$	57.577	$	58.167	$	54.490	$	46.098	$	41.243	$	41.246	$	38.683
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		1		1		1		1		1		1		1		—
Janus Henderson Enterprise Subaccount
Accumulation unit value at beginning of period	$	89.129	$	71.100	$	64.318	$	62.847	$	56.774	$	43.595	$	37.783	$	38.959	$	31.467	$	22.086
Accumulation unit value at end of period	$	87.310	$	89.129	$	71.100	$	64.318	$	62.847	$	56.774	$	43.595	$	37.783	$	38.959	$	31.467
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		1		1		1		1		1		1		1		1
Janus Henderson Global Research Subaccount
Accumulation unit value at beginning of period	$	50.500	$	40.409	$	40.243	$	41.865	$	39.607	$	31.349	$	26.538	$	31.273	$	27.443	$	20.258
Accumulation unit value at end of period	$	46.265	$	50.500	$	40.409	$	40.243	$	41.865	$	39.607	$	31.349	$	26.538	$	31.273	$	27.443
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		1		1		1		1		1		1		1		1

B-19

Janus Henderson Mid Cap Value Subaccount
Accumulation unit value at beginning of period	$	35.775	$	32.001	$	27.389	$	28.908	$	27.098	$	21.894	$	20.088	$	21.047	$	18.545	$	14.182
Accumulation unit value at end of period	$	30.327	$	35.775	$	32.001	$	27.389	$	28.908	$	27.098	$	21.894	$	20.088	$	21.047	$	18.545
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Research Subaccount
Accumulation unit value at beginning of period	$	50.571	$	40.196	$	40.654	$	39.228	$	35.289	$	27.522	$	23.592	$	25.323	$	22.477	$	16.757
Accumulation unit value at end of period	$	48.464	$	50.571	$	40.196	$	40.654	$	39.228	$	35.289	$	27.522	$	23.592	$	25.323	$	22.477
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		0		0		0		0		0		0		0
Oppenheimer Capital Appreciation Subaccount
Accumulation unit value at beginning of period	$	24.426	$	19.626	$	20.446	$	20.126	$	17.770	$	13.956	$	12.465	$	12.847	$	11.965	$	8.437
Accumulation unit value at end of period	$	22.597	$	24.426	$	19.626	$	20.446	$	20.126	$	17.770	$	13.956	$	12.465	$	12.847	$	11.965
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		0		0		0		0		2		2		2
Oppenheimer Discovery Mid Cap Growth Subaccount
Accumulation unit value at beginning of period	$	27.727	$	21.940	$	21.847	$	20.115	$	15.076	$	13.193	$	N/A	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	25.555	$	27.727	$	21.940	$	21.847	$	20.115	$	15.076	$	13.193	$	N/A	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		N/A		N/A		N/A
Oppenheimer Global Subaccount
Accumulation unit value at beginning of period	$	36.910	$	27.522	$	28.018	$	27.472	$	27.363	$	21.902	$	18.408	$	20.455	$	17.971	$	13.108
Accumulation unit value at end of period	$	31.445	$	36.910	$	27.522	$	28.018	$	27.472	$	27.363	$	21.902	$	18.408	$	20.455	$	17.971
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Global Strategic Income Subaccount
Accumulation unit value at beginning of period	$	16.643	$	15.954	$	15.260	$	15.909	$	15.778	$	16.097	$	14.462	$	14.605	$	12.935	$	11.105
Accumulation unit value at end of period	$	15.628	$	16.643	$	15.954	$	15.260	$	15.909	$	15.778	$	16.097	$	14.462	$	14.605	$	12.935
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Main Street Subaccount
Accumulation unit value at beginning of period	$	27.221	$	23.723	$	21.665	$	21.359	$	19.666	$	15.209	$	13.258	$	13.519	$	11.864	$	9.423
Accumulation unit value at end of period	$	24.609	$	27.221	$	23.723	$	21.665	$	21.359	$	19.666	$	15.209	$	13.258	$	13.519	$	11.864
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Main Street Small Cap Subaccount
Accumulation unit value at beginning of period	$	38.164	$	34.055	$	29.417	$	31.843	$	28.989	$	20.955	$	18.103	$	18.850	$	15.571	$	11.563
Accumulation unit value at end of period	$	33.585	$	38.164	$	34.055	$	29.417	$	31.843	$	28.989	$	20.955	$	18.103	$	18.850	$	15.571
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Voya Global Equity Subaccount
Accumulation unit value at beginning of period	$	12.652	$	10.418	$	10.013	$	10.757	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	11.311	$	12.652	$	10.418	$	10.013	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		N/A		N/A		N/A		N/A		N/A		N/A
VY JPMorgan Emerging Markets Equity Subaccount
Accumulation unit value at beginning of period	$	29.556	$	20.956	$	18.807	$	22.640	$	22.758	$	24.478	$	20.852	$	25.864	$	21.794	$	12.879
Accumulation unit value at end of period	$	24.251	$	29.556	$	20.956	$	18.807	$	22.640	$	22.758	$	24.478	$	20.852	$	25.864	$	21.794
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-20

Additional Contract Options Elected (0.35%)

Guaranteed Minimum Death Benefit and Earnings Based Death Benefit

(Separate Account Charges of 1.65% of the Daily Net Assets of the Separate Account)

Tax Nonqualified Periodic Payment Contracts—1.65%

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Alger Large Cap Growth Subaccount
Accumulation unit value at beginning of period	$	102.822	$	81.355	$	83.385	$	83.330	$	76.320	$	57.432	$	53.139	$	54.203	$	48.592	$	33.471
Accumulation unit value at end of period	$	103.375	$	102.822	$	81.355	$	83.385	$	83.330	$	76.320	$	57.432	$	53.139	$	54.203	$	48.592
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Alger MidCap Growth Subaccount
Accumulation unit value at beginning of period	$	61.939	$	48.506	$	48.829	$	50.424	$	47.454	$	35.510	$	31.062	$	34.423	$	29.309	$	19.639
Accumulation unit value at end of period	$	56.391	$	61.939	$	48.506	$	48.829	$	50.424	$	47.454	$	35.510	$	31.062	$	34.423	$	29.309
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Alger Small Cap Growth Subaccount
Accumulation unit value at beginning of period	$	91.507	$	72.253	$	69.129	$	72.682	$	73.560	$	55.692	$	50.323	$	52.834	$	42.863	$	29.944
Accumulation unit value at end of period	$	91.305	$	91.507	$	72.253	$	69.129	$	72.682	$	73.560	$	55.692	$	50.323	$	52.834	$	42.863
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
American Century VP Income & Growth Subaccount
Accumulation unit value at beginning of period	$	14.451	$	12.191	$	10.920	$	11.761	$	10.626	$	7.953	$	7.046	$	6.945	$	6.185	$	5.324
Accumulation unit value at end of period	$	13.239	$	14.451	$	12.191	$	10.920	$	11.761	$	10.626	$	7.953	$	7.046	$	6.945	$	6.185
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
American Century VP Value Subaccount
Accumulation unit value at beginning of period	$	19.396	$	18.129	$	15.295	$	16.176	$	14.540	$	11.220	$	9.955	$	10.017	$	8.977	$	7.613
Accumulation unit value at end of period	$	17.333	$	19.396	$	18.129	$	15.295	$	16.176	$	14.540	$	11.220	$	9.955	$	10.017	$	8.977
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Bond VIP Subaccount (formerly Deutsche Bond VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	9.685	$	9.302	$	8.926	$	9.100	$	8.675	$	9.093	$	8.577	$	8.249	$	7.852	$	7.252
Accumulation unit value at end of period	$	9.274	$	9.685	$	9.302	$	8.926	$	9.100	$	8.675	$	9.093	$	8.577	$	8.249	$	7.852
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Capital Growth VIP Subaccount (formerly Deutsche Capital Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	48.611	$	39.122	$	38.146	$	35.699	$	32.121	$	24.250	$	21.241	$	22.602	$	19.685	$	15.772
Accumulation unit value at end of period	$	47.054	$	48.611	$	39.122	$	38.146	$	35.699	$	32.121	$	24.250	$	21.241	$	22.602	$	19.685
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Core Equity VIP Subaccount (formerly Deutsche Core Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	24.882	$	20.899	$	19.228	$	18.571	$	16.881	$	12.495	$	10.967	$	11.164	$	9.920	$	7.517
Accumulation unit value at end of period	$	23.085	$	24.882	$	20.899	$	19.228	$	18.571	$	16.881	$	12.495	$	10.967	$	11.164	$	9.920
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS CROCI® International VIP Subaccount (formerly Deutsche CROCI® International VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	14.500	$	12.085	$	12.194	$	13.114	$	15.108	$	12.773	$	10.762	$	13.129	$	13.132	$	9.998
Accumulation unit value at end of period	$	12.210	$	14.500	$	12.085	$	12.194	$	13.114	$	15.108	$	12.773	$	10.762	$	13.129	$	13.132
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS CROCI® U.S. VIP Subaccount, name change as of 5/1/17 (formerly Deutsche CROCI® U.S. VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.517	$	2.909	$	3.093	$	3.376	$	3.099	$	2.407	$	2.228	$	2.267	$	2.080	$	1.686
Accumulation unit value at end of period	$	3.096	$	3.517	$	2.909	$	3.093	$	3.376	$	3.099	$	2.407	$	2.228	$	2.267	$	2.080
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Global Equity VIP Subaccount (formerly Deutsche Global Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.139	$	2.573	$	2.464	$	2.550	$	2.562	$	2.183	$	1.891	$	2.186	$	2.003	$	1.574
Accumulation unit value at end of period	$	2.745	$	3.139	$	2.573	$	2.464	$	2.550	$	2.562	$	2.183	$	1.891	$	2.186	$	2.003
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Global Income Builder VIP Subaccount (formerly Deutsche Global Income Builder VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	10.848	$	9.462	$	9.004	$	9.286	$	9.091	$	8.504	$	7.652	$	7.890	$	7.211	$	1.722
Accumulation unit value at end of period	$	9.853	$	10.848	$	9.462	$	9.004	$	9.286	$	9.091	$	8.504	$	7.652	$	7.890	$	7.211
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-21

DWS Government & Agency Securities VIP Subaccount (formerly Deutsche Government & Agency Securities VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	2.878	$	2.878	$	2.892	$	2.940	$	2.838	$	2.976	$	2.939	$	2.780	$	2.651	$	2.493
Accumulation unit value at end of period	$	2.847	$	2.878	$	2.878	$	2.892	$	2.940	$	2.838	$	2.976	$	2.939	$	2.780	$	2.651
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Government Money Market VIP Subaccount (formerly Deutsche Government Money Market VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	2.441	$	2.470	$	2.509	$	2.550	$	2.592	$	2.634	$	2.678	$	2.722	$	2.766	$	2.802
Accumulation unit value at end of period	$	2.434	$	2.441	$	2.470	$	2.509	$	2.550	$	2.592	$	2.634	$	2.678	$	2.722	$	2.766
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS High Income VIP Subaccount (formerly Deutsche High Income VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	12.445	$	11.766	$	10.596	$	11.271	$	11.291	$	10.918	$	9.658	$	9.454	$	8.430	$	2.493
Accumulation unit value at end of period	$	11.934	$	12.445	$	11.766	$	10.596	$	11.271	$	11.291	$	10.918	$	9.658	$	9.454	$	8.430
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Small Mid Cap Growth VIP Subaccount (formerly Deutsche Small Mid Cap Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.875	$	3.225	$	3.005	$	3.082	$	2.964	$	2.110	$	1.876	$	1.985	$	1.558	$	1.127
Accumulation unit value at end of period	$	3.293	$	3.875	$	3.225	$	3.005	$	3.082	$	2.964	$	2.110	$	1.876	$	1.985	$	1.558
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Small Mid Cap Value VIP Subaccount (formerly Deutsche Small Mid Cap Value VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	4.583	$	4.215	$	3.665	$	3.799	$	3.659	$	2.750	$	2.457	$	2.660	$	2.197	$	1.722
Accumulation unit value at end of period	$	3.786	$	4.583	$	4.215	$	3.665	$	3.799	$	3.659	$	2.750	$	2.457	$	2.660	$	2.197
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Dreyfus Mid Cap Stock Subaccount
Accumulation unit value at beginning of period	$	32.350	$	28.583	$	25.220	$	26.297	$	23.918	$	18.050	$	15.375	$	15.597	$	12.489	$	9.381
Accumulation unit value at end of period	$	26.830	$	32.350	$	28.583	$	25.220	$	26.297	$	23.918	$	18.050	$	15.375	$	15.597	$	12.489
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Dreyfus Sustainable U.S Equity Portfolio
Accumulation unit value at beginning of period	$	51.276	$	45.190	$	41.617	$	43.699	$	39.153	$	29.625	$	26.894	$	27.093	$	23.986	$	18.228
Accumulation unit value at end of period	$	48.218	$	51.276	$	45.190	$	41.617	$	43.699	$	39.153	$	29.625	$	26.894	$	27.093	$	23.986
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Asset Manager Subaccount
Accumulation unit value at beginning of period	$	41.857	$	37.286	$	36.771	$	37.324	$	35.849	$	31.494	$	28.462	$	29.691	$	26.413	$	20.795
Accumulation unit value at end of period	$	38.971	$	41.857	$	37.286	$	36.771	$	37.324	$	35.849	$	31.494	$	28.462	$	29.691	$	26.413
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Contrafund® Subaccount
Accumulation unit value at beginning of period	$	81.177	$	67.702	$	63.715	$	64.335	$	58.419	$	45.231	$	39.496	$	41.186	$	35.716	$	26.752
Accumulation unit value at end of period	$	74.760	$	81.177	$	67.702	$	63.715	$	64.335	$	58.419	$	45.231	$	39.496	$	41.186	$	35.716
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Equity Income Subaccount
Accumulation unit value at beginning of period	$	66.676	$	60.032	$	51.704	$	54.727	$	51.168	$	40.588	$	35.172	$	35.407	$	31.256	$	24.401
Accumulation unit value at end of period	$	60.148	$	66.676	$	60.032	$	51.704	$	54.727	$	51.168	$	40.588	$	35.172	$	35.407	$	31.256
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Growth Subaccount
Accumulation unit value at beginning of period	$	113.995	$	85.744	$	86.463	$	82.006	$	74.897	$	55.842	$	49.495	$	50.208	$	41.101	$	32.567
Accumulation unit value at end of period	$	111.945	$	113.995	$	85.744	$	86.463	$	82.006	$	74.897	$	55.842	$	49.495	$	50.208	$	41.101
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Index 500 Subaccount
Accumulation unit value at beginning of period	$	331.000	$	276.424	$	251.183	$	251.966	$	225.518	$	173.345	$	152.018	$	151.433	$	133.826	$	107.446
Accumulation unit value at end of period	$	310.972	$	331.000	$	276.424	$	251.183	$	251.966	$	225.518	$	173.345	$	152.018	$	151.433	$	133.826
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Mutual Global Discovery VIP Subaccount
Accumulation unit value at beginning of period	$	31.943	$	29.898	$	27.091	$	28.582	$	27.484	$	21.892	$	19.632	$	20.564	$	18.670	$	15.390
Accumulation unit value at end of period	$	27.897	$	31.943	$	29.898	$	27.091	$	28.582	$	27.484	$	21.892	$	19.632	$	20.564	$	18.670
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Mutual Shares VIP Subaccount
Accumulation unit value at beginning of period	$	23.767	$	22.296	$	19.528	$	20.881	$	19.814	$	15.703	$	13.972	$	14.352	$	13.120	$	10.580
Accumulation unit value at end of period	$	21.259	$	23.767	$	22.296	$	19.528	$	20.881	$	19.814	$	15.703	$	13.972	$	14.352	$	13.120
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Rising Dividends VIP Subaccount
Accumulation unit value at beginning of period	$	29.435	$	24.817	$	21.738	$	22.934	$	21.442	$	16.806	$	15.259	$	14.632	$	12.328	$	10.679
Accumulation unit value at end of period	$	27.485	$	29.435	$	24.817	$	21.738	$	22.934	$	21.442	$	16.806	$	15.259	$	14.632	$	12.328
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-22

Franklin Small Cap Value VIP Subaccount
Accumulation unit value at beginning of period	$	37.256	$	34.223	$	26.720	$	29.328	$	29.642	$	22.117	$	18.990	$	20.057	$	15.901	$	12.514
Accumulation unit value at end of period	$	31.929	$	37.256	$	34.223	$	26.720	$	29.328	$	29.642	$	22.117	$	18.990	$	20.057	$	15.901
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Strategic Income VIP Subaccount
Accumulation unit value at beginning of period	$	18.057	$	17.554	$	16.531	$	17.480	$	17.443	$	17.162	$	15.473	$	15.333	$	14.052	$	11.359
Accumulation unit value at end of period	$	17.383	$	18.057	$	17.554	$	16.531	$	17.480	$	17.443	$	17.162	$	15.473	$	15.333	$	14.052
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin U.S. Government Securities VIP Subaccount
Accumulation unit value at beginning of period	$	12.144	$	12.181	$	12.300	$	12.443	$	12.235	$	12.721	$	12.692	$	12.208	$	11.786	$	11.621
Accumulation unit value at end of period	$	11.986	$	12.144	$	12.181	$	12.300	$	12.443	$	12.235	$	12.721	$	12.692	$	12.208	$	11.786
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Templeton Developing Markets VIP Subaccount
Accumulation unit value at beginning of period	$	33.140	$	23.990	$	20.763	$	26.253	$	29.130	$	29.887	$	26.847	$	32.432	$	28.037	$	16.512
Accumulation unit value at end of period	$	27.449	$	33.140	$	23.990	$	20.763	$	26.253	$	29.130	$	29.887	$	26.847	$	32.432	$	28.037
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Diversified Dividend Subaccount
Accumulation unit value at beginning of period	$	12.609	$	11.804	$	10.450	$	10.408	$	9.377	$	7.274	$	6.228	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	11.463	$	12.609	$	11.804	$	10.450	$	10.408	$	9.377	$	7.274	$	6.228	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		N/A		N/A
Invesco V.I. Health Care Subaccount
Accumulation unit value at beginning of period	$	27.626	$	24.244	$	27.833	$	27.425	$	23.295	$	16.849	$	14.167	$	13.853	$	13.373	$	10.647
Accumulation unit value at end of period	$	27.421	$	27.626	$	24.244	$	27.833	$	27.425	$	23.295	$	16.849	$	14.167	$	13.853	$	13.373
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Global Real Estate Subaccount
Accumulation unit value at beginning of period	$	29.927	$	26.908	$	26.804	$	27.656	$	24.526	$	24.272	$	19.258	$	20.938	$	18.111	$	13.997
Accumulation unit value at end of period	$	27.627	$	29.927	$	26.908	$	26.804	$	27.656	$	24.526	$	24.272	$	19.258	$	20.938	$	18.111
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Managed Volatility Subaccount
Accumulation unit value at beginning of period	$	32.342	$	29.735	$	27.324	$	28.386	$	23.931	$	21.964	$	21.550	$	18.811	$	17.988	$	15.909
Accumulation unit value at end of period	$	28.314	$	32.342	$	29.735	$	27.324	$	28.386	$	23.931	$	21.964	$	21.550	$	18.811	$	17.988
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust MidCap Value Subaccount
Accumulation unit value at beginning of period	$	29.135	$	26.031	$	23.069	$	24.090	$	21.273	$	16.345	$	13.802	$	13.733	$	11.307	$	8.987
Accumulation unit value at end of period	$	25.267	$	29.135	$	26.031	$	23.069	$	24.090	$	21.273	$	16.345	$	13.802	$	13.733	$	11.307
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust Small Cap Core Subaccount
Accumulation unit value at beginning of period	$	38.948	$	34.357	$	29.050	$	31.176	$	28.916	$	20.656	$	17.538	$	18.720	$	14.968	$	N/A
Accumulation unit value at end of period	$	33.741	$	38.948	$	34.357	$	29.050	$	31.176	$	28.916	$	20.656	$	17.538	$	18.720	$	14.968
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust US Equity Subaccount
Accumulation unit value at beginning of period	$	27.694	$	23.011	$	21.084	$	21.248	$	18.963	$	14.150	$	12.227	$	12.665	$	11.335	$	8.619
Accumulation unit value at end of period	$	25.563	$	27.694	$	23.011	$	21.084	$	21.248	$	18.963	$	14.150	$	12.227	$	12.665	$	11.335
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Balanced Subaccount
Accumulation unit value at beginning of period	$	69.037	$	59.252	$	57.577	$	58.167	$	54.490	$	46.098	$	41.243	$	41.246	$	38.683	$	31.235
Accumulation unit value at end of period	$	68.373	$	69.037	$	59.252	$	57.577	$	58.167	$	54.490	$	46.098	$	41.243	$	41.246	$	38.683
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Enterprise Subaccount
Accumulation unit value at beginning of period	$	89.129	$	71.100	$	64.318	$	62.847	$	56.774	$	43.595	$	37.783	$	38.959	$	31.467	$	22.086
Accumulation unit value at end of period	$	87.310	$	89.129	$	71.100	$	64.318	$	62.847	$	56.774	$	43.595	$	37.783	$	38.959	$	31.467
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Global Research Subaccount
Accumulation unit value at beginning of period	$	50.500	$	40.409	$	40.243	$	41.865	$	39.607	$	31.349	$	26.538	$	31.273	$	27.443	$	20.258
Accumulation unit value at end of period	$	46.265	$	50.500	$	40.409	$	40.243	$	41.865	$	39.607	$	31.349	$	26.538	$	31.273	$	27.443
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Mid Cap Value Subaccount
Accumulation unit value at beginning of period	$	35.775	$	32.001	$	27.389	$	28.908	$	27.098	$	21.894	$	20.088	$	21.047	$	18.545	$	14.182
Accumulation unit value at end of period	$	30.327	$	35.775	$	32.001	$	27.389	$	28.908	$	27.098	$	21.894	$	20.088	$	21.047	$	18.545
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Research Subaccount
Accumulation unit value at beginning of period	$	50.571	$	40.196	$	40.654	$	39.228	$	35.289	$	27.522	$	23.592	$	25.323	$	22.477	$	16.757
Accumulation unit value at end of period	$	48.464	$	50.571	$	40.196	$	40.654	$	39.228	$	35.289	$	27.522	$	23.592	$	25.323	$	22.477
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-23

Oppenheimer Capital Appreciation Subaccount
Accumulation unit value at beginning of period	$	24.426	$	19.626	$	20.446	$	20.126	$	17.770	$	13.956	$	12.465	$	12.847	$	11.965	$	8.437
Accumulation unit value at end of period	$	22.597	$	24.426	$	19.626	$	20.446	$	20.126	$	17.770	$	13.956	$	12.465	$	12.847	$	11.965
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Discovery Mid Cap Growth Subaccount
Accumulation unit value at beginning of period	$	27.727	$	21.940	$	21.847	$	20.115	$	15.076	$	13.193	$	N/A	$	N/A	$	N/A	$	8.437
Accumulation unit value at end of period	$	25.555	$	27.727	$	21.940	$	21.847	$	20.115	$	15.076	$	13.193	$	N/A	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Global Subaccount
Accumulation unit value at beginning of period	$	36.910	$	27.522	$	28.018	$	27.472	$	27.363	$	21.902	$	18.408	$	20.455	$	17.971	$	13.108
Accumulation unit value at end of period	$	31.445	$	36.910	$	27.522	$	28.018	$	27.472	$	27.363	$	21.902	$	18.408	$	20.455	$	17.971
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Global Strategic Income Subaccount
Accumulation unit value at beginning of period	$	16.643	$	15.954	$	15.260	$	15.909	$	15.778	$	16.097	$	14.462	$	14.605	$	12.935	$	11.105
Accumulation unit value at end of period	$	15.628	$	16.643	$	15.954	$	15.260	$	15.909	$	15.778	$	16.097	$	14.462	$	14.605	$	12.935
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Main Street Subaccount
Accumulation unit value at beginning of period	$	27.221	$	23.723	$	21.665	$	21.359	$	19.666	$	15.209	$	13.258	$	13.519	$	11.864	$	9.423
Accumulation unit value at end of period	$	24.609	$	27.221	$	23.723	$	21.665	$	21.359	$	19.666	$	15.209	$	13.258	$	13.519	$	11.864
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Main Street Small Cap Subaccount
Accumulation unit value at beginning of period	$	38.164	$	34.055	$	29.417	$	31.843	$	28.989	$	20.955	$	18.103	$	18.850	$	15.571	$	11.563
Accumulation unit value at end of period	$	33.585	$	38.164	$	34.055	$	29.417	$	31.843	$	28.989	$	20.955	$	18.103	$	18.850	$	15.571
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Voya Global Equity Subaccount
Accumulation unit value at beginning of period	$	12.652	$	10.418	$	10.013	$	10.757	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	11.311	$	12.652	$	10.418	$	10.013	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		N/A		N/A		N/A		N/A		N/A		N/A
VY JPMorgan Emerging Markets Equity Subaccount
Accumulation unit value at beginning of period	$	29.556	$	20.956	$	18.807	$	22.640	$	22.758	$	24.478	$	20.852	$	25.864	$	21.794	$	12.879
Accumulation unit value at end of period	$	24.251	$	29.556	$	20.956	$	18.807	$	22.640	$	22.758	$	24.478	$	20.852	$	25.864	$	21.794
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-24

Additional Contract Options Elected (0.40%)

Guaranteed Retirement Income Benefit—7 year

(Separate Account Charges of 1.70% of the Daily Net Assets of the Separate Account)

Tax Qualified Periodic Payment Contracts—1.70%

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Alger Large Cap Growth Subaccount
Accumulation unit value at beginning of period	$	102.006	$	80.750	$	82.804	$	82.791	$	75.863	$	57.116	$	52.873	$	53.958	$	48.396	$	33.352
Accumulation unit value at end of period	$	102.505	$	102.006	$	80.750	$	82.804	$	82.791	$	75.863	$	57.116	$	52.873	$	53.958	$	48.396
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Alger MidCap Growth Subaccount
Accumulation unit value at beginning of period	$	61.447	$	48.145	$	48.489	$	50.097	$	47.170	$	35.315	$	30.907	$	34.267	$	29.191	$	19.569
Accumulation unit value at end of period	$	55.916	$	61.447	$	48.145	$	48.489	$	50.097	$	47.170	$	35.315	$	30.907	$	34.267	$	29.191
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Alger Small Cap Growth Subaccount
Accumulation unit value at beginning of period	$	90.781	$	71.715	$	68.648	$	72.211	$	73.119	$	55.386	$	50.071	$	52.595	$	42.690	$	29.837
Accumulation unit value at end of period	$	90.536	$	90.781	$	71.715	$	68.648	$	72.211	$	73.119	$	55.386	$	50.071	$	52.595	$	42.690
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
American Century VP Income & Growth Subaccount
Accumulation unit value at beginning of period	$	14.337	$	12.101	$	10.844	$	11.685	$	10.563	$	7.909	$	7.010	$	6.914	$	6.160	$	5.305
Accumulation unit value at end of period	$	13.128	$	14.337	$	12.101	$	10.844	$	11.685	$	10.563	$	7.909	$	7.010	$	6.914	$	6.160
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
American Century VP Value Subaccount
Accumulation unit value at beginning of period	$	19.242	$	17.994	$	15.188	$	16.071	$	14.453	$	11.159	$	9.905	$	9.972	$	8.941	$	7.586
Accumulation unit value at end of period	$	17.187	$	19.242	$	17.994	$	15.188	$	16.071	$	14.453	$	11.159	$	9.905	$	9.972	$	8.941
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Bond VIP Subaccount (formerly Deutsche Bond VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	9.608	$	9.233	$	8.864	$	9.041	$	8.623	$	9.043	$	8.534	$	8.212	$	7.821	$	7.226
Accumulation unit value at end of period	$	9.196	$	9.608	$	9.233	$	8.864	$	9.041	$	8.623	$	9.043	$	8.534	$	8.212	$	7.821
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Capital Growth VIP Subaccount (formerly Deutsche Capital Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	48.226	$	38.831	$	37.881	$	35.467	$	31.929	$	24.116	$	21.135	$	22.499	$	19.606	$	15.716
Accumulation unit value at end of period	$	46.658	$	48.226	$	38.831	$	37.881	$	35.467	$	31.929	$	24.116	$	21.135	$	22.499	$	19.606
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Core Equity VIP Subaccount (formerly Deutsche Core Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	24.728	$	20.780	$	19.128	$	18.483	$	16.809	$	12.448	$	10.932	$	11.133	$	9.897	$	7.503
Accumulation unit value at end of period	$	22.930	$	24.728	$	20.780	$	19.128	$	18.483	$	16.809	$	12.448	$	10.932	$	11.133	$	9.897
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS CROCI® International VIP Subaccount (formerly Deutsche CROCI® International VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	14.385	$	11.995	$	12.109	$	13.029	$	15.017	$	12.703	$	10.708	$	13.069	$	13.079	$	9.962
Accumulation unit value at end of period	$	12.107	$	14.385	$	11.995	$	12.109	$	13.029	$	15.017	$	12.703	$	10.708	$	13.069	$	13.079
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS CROCI® U.S. VIP Subaccount, name change as of 5/1/17 (formerly Deutsche CROCI® U.S. VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.489	$	2.887	$	3.071	$	3.354	$	3.081	$	2.394	$	2.217	$	2.256	$	2.072	$	1.681
Accumulation unit value at end of period	$	3.070	$	3.489	$	2.887	$	3.071	$	3.354	$	3.081	$	2.394	$	2.217	$	2.256	$	2.072
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-25

DWS Global Equity VIP Subaccount (formerly Deutsche Global Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.114	$	2.553	$	2.447	$	2.533	$	2.547	$	2.171	$	1.882	$	2.176	$	1.995	$	1.569
Accumulation unit value at end of period	$	2.722	$	3.114	$	2.553	$	2.447	$	2.533	$	2.547	$	2.171	$	1.882	$	2.176	$	1.995
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Global Income Builder VIP Subaccount (formerly Deutsche Global Income Builder VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	11.551	$	10.079	$	9.596	$	9.902	$	9.699	$	8.458	$	7.614	$	7.855	$	7.182	$	5.917
Accumulation unit value at end of period	$	10.486	$	11.551	$	10.079	$	9.596	$	9.902	$	9.699	$	8.458	$	7.614	$	7.855	$	7.182
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Government & Agency Securities VIP Subaccount (formerly Deutsche Government & Agency Securities VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	2.856	$	2.856	$	2.872	$	2.921	$	2.821	$	2.960	$	2.924	$	2.767	$	2.640	$	2.484
Accumulation unit value at end of period	$	2.823	$	2.856	$	2.856	$	2.872	$	2.921	$	2.821	$	2.960	$	2.924	$	2.767	$	2.640
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Government Money Market VIP Subaccount (formerly Deutsche Government Money Market VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	2.421	$	2.451	$	2.491	$	2.534	$	2.576	$	2.620	$	2.664	$	2.709	$	2.755	$	2.792
Accumulation unit value at end of period	$	2.414	$	2.421	$	2.451	$	2.491	$	2.534	$	2.576	$	2.620	$	2.664	$	2.709	$	2.755
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS High Income VIP Subaccount (formerly Deutsche High Income VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	12.673	$	11.988	$	10.802	$	11.496	$	11.521	$	10.858	$	9.610	$	9.411	$	8.396	$	6.100
Accumulation unit value at end of period	$	12.147	$	12.673	$	11.988	$	10.802	$	11.496	$	11.521	$	10.858	$	9.610	$	9.411	$	8.396
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Small Mid Cap Growth VIP Subaccount (formerly Deutsche Small Mid Cap Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.844	$	3.201	$	2.984	$	3.062	$	2.947	$	2.099	$	1.867	$	1.976	$	1.552	$	1.123
Accumulation unit value at end of period	$	3.266	$	3.844	$	3.201	$	2.984	$	3.062	$	2.947	$	2.099	$	1.867	$	1.976	$	1.552
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Small Mid Cap Value VIP Subaccount (formerly Deutsche Small Mid Cap Value VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	4.547	$	4.184	$	3.640	$	3.774	$	3.637	$	2.735	$	2.445	$	2.647	$	2.188	$	1.715
Accumulation unit value at end of period	$	3.755	$	4.547	$	4.184	$	3.640	$	3.774	$	3.637	$	2.735	$	2.445	$	2.647	$	2.188
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Dreyfus Mid Cap Stock Subaccount
Accumulation unit value at beginning of period	$	32.118	$	28.392	$	25.064	$	26.148	$	23.794	$	17.965	$	15.310	$	15.539	$	12.448	$	9.355
Accumulation unit value at end of period	$	26.625	$	32.118	$	28.392	$	25.064	$	26.148	$	23.794	$	17.965	$	15.310	$	15.539	$	12.448
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Dreyfus Sustainable U.S Equity Portfolio
Accumulation unit value at beginning of period	$	50.869	$	44.854	$	41.327	$	43.417	$	38.919	$	29.462	$	26.759	$	26.970	$	23.889	$	18.164
Accumulation unit value at end of period	$	47.812	$	50.869	$	44.854	$	41.327	$	43.417	$	38.919	$	29.462	$	26.759	$	26.970	$	23.889
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Asset Manager Subaccount
Accumulation unit value at beginning of period	$	41.525	$	37.009	$	36.515	$	37.083	$	35.634	$	31.321	$	28.320	$	29.557	$	26.306	$	20.721
Accumulation unit value at end of period	$	38.642	$	41.525	$	37.009	$	36.515	$	37.083	$	35.634	$	31.321	$	28.320	$	29.557	$	26.306
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Contrafund® Subaccount
Accumulation unit value at beginning of period	$	80.534	$	67.198	$	63.272	$	63.919	$	58.069	$	44.982	$	39.298	$	41.000	$	35.572	$	26.657
Accumulation unit value at end of period	$	74.131	$	80.534	$	67.198	$	63.272	$	63.919	$	58.069	$	44.982	$	39.298	$	41.000	$	35.572
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Equity Income Subaccount
Accumulation unit value at beginning of period	$	66.147	$	59.585	$	51.344	$	54.372	$	50.862	$	40.364	$	34.995	$	35.247	$	31.129	$	24.314
Accumulation unit value at end of period	$	59.642	$	66.147	$	59.585	$	51.344	$	54.372	$	50.862	$	40.364	$	34.995	$	35.247	$	31.129
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Growth Subaccount
Accumulation unit value at beginning of period	$	113.091	$	85.106	$	85.861	$	81.475	$	74.449	$	55.534	$	49.247	$	49.981	$	40.934	$	32.451
Accumulation unit value at end of period	$	111.003	$	113.091	$	85.106	$	85.861	$	81.475	$	74.449	$	55.534	$	49.247	$	49.981	$	40.934
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Index 500 Subaccount
Accumulation unit value at beginning of period	$	328.375	$	274.366	$	249.434	$	250.334	$	224.167	$	172.391	$	151.256	$	150.748	$	133.285	$	107.064
Accumulation unit value at end of period	$	308.354	$	328.375	$	274.366	$	249.434	$	250.334	$	224.167	$	172.391	$	151.256	$	150.748	$	133.285
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Mutual Global Discovery VIP Subaccount
Accumulation unit value at beginning of period	$	31.714	$	29.698	$	26.924	$	28.419	$	27.341	$	21.788	$	19.548	$	20.486	$	18.609	$	15.347
Accumulation unit value at end of period	$	27.683	$	31.714	$	29.698	$	26.924	$	28.419	$	27.341	$	21.788	$	19.548	$	20.486	$	18.609
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-26

Franklin Mutual Shares VIP Subaccount
Accumulation unit value at beginning of period	$	23.597	$	22.148	$	19.407	$	20.762	$	19.711	$	15.629	$	13.913	$	14.298	$	13.077	$	10.551
Accumulation unit value at end of period	$	21.097	$	23.597	$	22.148	$	19.407	$	20.762	$	19.711	$	15.629	$	13.913	$	14.298	$	13.077
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Rising Dividends VIP Subaccount
Accumulation unit value at beginning of period	$	29.225	$	24.652	$	21.604	$	22.803	$	21.330	$	16.726	$	15.194	$	14.577	$	12.288	$	10.650
Accumulation unit value at end of period	$	27.275	$	29.225	$	24.652	$	21.604	$	22.803	$	21.330	$	16.726	$	15.194	$	14.577	$	12.288
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Small Cap Value VIP Subaccount
Accumulation unit value at beginning of period	$	36.989	$	33.995	$	26.555	$	29.161	$	29.488	$	22.012	$	18.910	$	19.982	$	15.849	$	12.480
Accumulation unit value at end of period	$	31.684	$	36.989	$	33.995	$	26.555	$	29.161	$	29.488	$	22.012	$	18.910	$	19.982	$	15.849
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Strategic Income VIP Subaccount
Accumulation unit value at beginning of period	$	17.928	$	17.437	$	16.428	$	17.380	$	17.352	$	17.081	$	15.407	$	15.275	$	14.006	$	11.327
Accumulation unit value at end of period	$	17.250	$	17.928	$	17.437	$	16.428	$	17.380	$	17.352	$	17.081	$	15.407	$	15.275	$	14.006
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin U.S. Government Securities VIP Subaccount
Accumulation unit value at beginning of period	$	12.057	$	12.099	$	12.223	$	12.373	$	12.171	$	12.661	$	12.639	$	12.162	$	11.748	$	11.589
Accumulation unit value at end of period	$	11.894	$	12.057	$	12.099	$	12.223	$	12.373	$	12.171	$	12.661	$	12.639	$	12.162	$	11.748
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Templeton Developing Markets VIP Subaccount
Accumulation unit value at beginning of period	$	32.902	$	23.830	$	20.635	$	26.103	$	28.979	$	29.746	$	26.734	$	32.311	$	27.945	$	16.467
Accumulation unit value at end of period	$	27.240	$	32.902	$	23.830	$	20.635	$	26.103	$	28.979	$	29.746	$	26.734	$	32.311	$	27.945
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Diversified Dividend Subaccount
Accumulation unit value at beginning of period	$	12.518	$	11.725	$	10.386	$	10.348	$	9.328	$	7.239	$	6.201	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	11.376	$	12.518	$	11.725	$	10.386	$	10.348	$	9.328	$	7.239	$	6.201	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		N/A		N/A
Invesco V.I. Health Care Subaccount
Accumulation unit value at beginning of period	$	27.429	$	24.082	$	27.661	$	27.268	$	23.174	$	16.769	$	14.107	$	13.801	$	13.330	$	10.618
Accumulation unit value at end of period	$	27.212	$	27.429	$	24.082	$	27.661	$	27.268	$	23.174	$	16.769	$	14.107	$	13.801	$	13.330
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Global Real Estate Subaccount
Accumulation unit value at beginning of period	$	29.713	$	26.728	$	26.638	$	27.498	$	24.398	$	24.157	$	19.177	$	20.860	$	18.052	$	13.959
Accumulation unit value at end of period	$	27.416	$	29.713	$	26.728	$	26.638	$	27.498	$	24.398	$	24.157	$	19.177	$	20.860	$	18.052
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Managed Volatility Subaccount
Accumulation unit value at beginning of period	$	32.111	$	29.537	$	27.155	$	28.224	$	23.807	$	21.860	$	21.459	$	18.740	$	17.929	$	15.865
Accumulation unit value at end of period	$	28.098	$	32.111	$	29.537	$	27.155	$	28.224	$	23.807	$	21.860	$	21.459	$	18.740	$	17.929
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust MidCap Value Subaccount
Accumulation unit value at beginning of period	$	28.935	$	25.865	$	22.934	$	23.960	$	21.169	$	16.272	$	13.748	$	13.686	$	11.274	$	8.965
Accumulation unit value at end of period	$	25.081	$	28.935	$	25.865	$	22.934	$	23.960	$	21.169	$	16.272	$	13.748	$	13.686	$	11.274
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust Small Cap Core Subaccount
Accumulation unit value at beginning of period	$	38.639	$	34.101	$	28.848	$	30.974	$	28.743	$	20.542	$	17.450	$	18.635	$	14.908	$	N/A
Accumulation unit value at end of period	$	33.457	$	38.639	$	34.101	$	28.848	$	30.974	$	28.743	$	20.542	$	17.450	$	18.635	$	14.908
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust US Equity Subaccount
Accumulation unit value at beginning of period	$	27.505	$	22.865	$	20.960	$	21.134	$	18.870	$	14.088	$	12.179	$	12.621	$	11.301	$	8.598
Accumulation unit value at end of period	$	25.375	$	27.505	$	22.865	$	20.960	$	21.134	$	18.870	$	14.088	$	12.179	$	12.621	$	11.301
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Balanced Subaccount
Accumulation unit value at beginning of period	$	68.490	$	58.811	$	57.177	$	57.790	$	54.164	$	45.845	$	41.037	$	41.060	$	38.526	$	31.124
Accumulation unit value at end of period	$	67.797	$	68.490	$	58.811	$	57.177	$	57.790	$	54.164	$	45.845	$	41.037	$	41.060	$	38.526
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Enterprise Subaccount
Accumulation unit value at beginning of period	$	88.422	$	70.570	$	63.871	$	62.440	$	56.434	$	43.355	$	37.594	$	38.782	$	31.340	$	22.008
Accumulation unit value at end of period	$	86.575	$	88.422	$	70.570	$	63.871	$	62.440	$	56.434	$	43.355	$	37.594	$	38.782	$	31.340
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Global Research Subaccount
Accumulation unit value at beginning of period	$	50.100	$	40.108	$	39.963	$	41.593	$	39.370	$	31.176	$	26.405	$	31.131	$	27.332	$	20.186
Accumulation unit value at end of period	$	45.875	$	50.100	$	40.108	$	39.963	$	41.593	$	39.370	$	31.176	$	26.405	$	31.131	$	27.332
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-27

Janus Henderson Mid Cap Value Subaccount
Accumulation unit value at beginning of period	$	35.519	$	31.788	$	27.219	$	28.743	$	26.956	$	21.791	$	20.003	$	20.968	$	18.484	$	14.143
Accumulation unit value at end of period	$	30.096	$	35.519	$	31.788	$	27.219	$	28.743	$	26.956	$	21.791	$	20.003	$	20.968	$	18.484
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Research Subaccount
Accumulation unit value at beginning of period	$	50.170	$	39.897	$	40.371	$	38.974	$	35.078	$	27.370	$	23.474	$	25.208	$	22.386	$	16.697
Accumulation unit value at end of period	$	48.055	$	50.170	$	39.897	$	40.371	$	38.974	$	35.078	$	27.370	$	23.474	$	25.208	$	22.386
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Capital Appreciation Subaccount
Accumulation unit value at beginning of period	$	24.252	$	19.495	$	20.320	$	20.011	$	17.677	$	13.890	$	12.413	$	12.799	$	11.926	$	8.414
Accumulation unit value at end of period	$	22.424	$	24.252	$	19.495	$	20.320	$	20.011	$	17.677	$	13.890	$	12.413	$	12.799	$	11.926
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Discovery Mid Cap Growth Subaccount
Accumulation unit value at beginning of period	$	27.528	$	21.794	$	21.712	$	20.010	$	15.005	$	13.137	$	N/A	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	25.359	$	27.528	$	21.794	$	21.712	$	20.010	$	15.005	$	13.137	$	N/A	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		N/A		N/A		N/A
Oppenheimer Global Strategic Income Subaccount
Accumulation unit value at beginning of period	$	16.524	$	15.848	$	15.166	$	15.818	$	15.696	$	16.021	$	14.401	$	14.551	$	12.893	$	11.074
Accumulation unit value at end of period	$	15.509	$	16.524	$	15.848	$	15.166	$	15.818	$	15.696	$	16.021	$	14.401	$	14.551	$	12.893
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Global Subaccount
Accumulation unit value at beginning of period	$	36.646	$	27.338	$	27.845	$	27.315	$	27.220	$	21.799	$	18.330	$	20.379	$	17.912	$	13.072
Accumulation unit value at end of period	$	31.204	$	36.646	$	27.338	$	27.845	$	27.315	$	27.220	$	21.799	$	18.330	$	20.379	$	17.912
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Main Street Subaccount
Accumulation unit value at beginning of period	$	27.026	$	23.564	$	21.531	$	21.237	$	19.564	$	15.137	$	13.202	$	13.468	$	11.826	$	9.396
Accumulation unit value at end of period	$	24.420	$	27.026	$	23.564	$	21.531	$	21.237	$	19.564	$	15.137	$	13.202	$	13.468	$	11.826
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Main Street Small Cap Subaccount
Accumulation unit value at beginning of period	$	37.891	$	33.828	$	29.235	$	31.661	$	28.838	$	20.856	$	18.026	$	18.779	$	15.520	$	11.531
Accumulation unit value at end of period	$	33.328	$	37.891	$	33.828	$	29.235	$	31.661	$	28.838	$	20.856	$	18.026	$	18.779	$	15.520
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Voya Global Equity Subaccount
Accumulation unit value at beginning of period	$	12.584	$	10.367	$	9.969	$	10.714	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	11.245	$	12.584	$	10.367	$	9.969	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		N/A		N/A		N/A		N/A		N/A		N/A
VY JPMorgan Emerging Markets Equity Subaccount
Accumulation unit value at beginning of period	$	29.381	$	20.842	$	18.714	$	22.539	$	22.668	$	24.393	$	20.790	$	25.800	$	21.751	$	12.860
Accumulation unit value at end of period	$	24.096	$	29.381	$	20.842	$	18.714	$	22.539	$	22.668	$	24.393	$	20.790	$	25.800	$	21.751
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-28

Additional Contract Options Elected (0.40%)

Guaranteed Retirement Income Benefit—7 year

(Separate Account Charges of 1.70% of the Daily Net Assets of the Separate Account)

Tax Nonqualified Periodic Payment Contracts—1.70%

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Alger Large Cap Growth Subaccount
Accumulation unit value at beginning of period	$	102.006	$	80.750	$	82.804	$	82.791	$	75.863	$	57.116	$	52.873	$	53.958	$	48.396	$	33.352
Accumulation unit value at end of period	$	102.505	$	102.006	$	80.750	$	82.804	$	82.791	$	75.863	$	57.116	$	52.873	$	53.958	$	48.396
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Alger MidCap Growth Subaccount
Accumulation unit value at beginning of period	$	61.447	$	48.145	$	48.489	$	50.097	$	47.170	$	35.315	$	30.907	$	34.267	$	29.191	$	19.569
Accumulation unit value at end of period	$	55.916	$	61.447	$	48.145	$	48.489	$	50.097	$	47.170	$	35.315	$	30.907	$	34.267	$	29.191
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Alger Small Cap Growth Subaccount
Accumulation unit value at beginning of period	$	90.781	$	71.715	$	68.648	$	72.211	$	73.119	$	55.386	$	50.071	$	52.595	$	42.690	$	29.837
Accumulation unit value at end of period	$	90.536	$	90.781	$	71.715	$	68.648	$	72.211	$	73.119	$	55.386	$	50.071	$	52.595	$	42.690
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
American Century VP Income & Growth Subaccount
Accumulation unit value at beginning of period	$	14.337	$	12.101	$	10.844	$	11.685	$	10.563	$	7.909	$	7.010	$	6.914	$	6.160	$	5.305
Accumulation unit value at end of period	$	13.128	$	14.337	$	12.101	$	10.844	$	11.685	$	10.563	$	7.909	$	7.010	$	6.914	$	6.160
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
American Century VP Value Subaccount
Accumulation unit value at beginning of period	$	19.242	$	17.994	$	15.188	$	16.071	$	14.453	$	11.159	$	9.905	$	9.972	$	8.941	$	7.586
Accumulation unit value at end of period	$	17.187	$	19.242	$	17.994	$	15.188	$	16.071	$	14.453	$	11.159	$	9.905	$	9.972	$	8.941
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Bond VIP Subaccount (formerly Deutsche Bond VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	9.608	$	9.233	$	8.864	$	9.041	$	8.623	$	9.043	$	8.534	$	8.212	$	7.821	$	7.226
Accumulation unit value at end of period	$	9.196	$	9.608	$	9.233	$	8.864	$	9.041	$	8.623	$	9.043	$	8.534	$	8.212	$	7.821
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Capital Growth VIP Subaccount (formerly Deutsche Capital Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	48.226	$	38.831	$	37.881	$	35.467	$	31.929	$	24.116	$	21.135	$	22.499	$	19.606	$	15.716
Accumulation unit value at end of period	$	46.658	$	48.226	$	38.831	$	37.881	$	35.467	$	31.929	$	24.116	$	21.135	$	22.499	$	19.606
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Core Equity VIP Subaccount (formerly Deutsche Core Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	24.728	$	20.780	$	19.128	$	18.483	$	16.809	$	12.448	$	10.932	$	11.133	$	9.897	$	7.503
Accumulation unit value at end of period	$	22.930	$	24.728	$	20.780	$	19.128	$	18.483	$	16.809	$	12.448	$	10.932	$	11.133	$	9.897
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS CROCI® International VIP Subaccount (formerly Deutsche CROCI® International VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	14.385	$	11.995	$	12.109	$	13.029	$	15.017	$	12.703	$	10.708	$	13.069	$	13.079	$	2.484
Accumulation unit value at end of period	$	12.107	$	14.385	$	11.995	$	12.109	$	13.029	$	15.017	$	12.703	$	10.708	$	13.069	$	13.079
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS CROCI® U.S. VIP Subaccount, name change as of 5/1/17 (formerly Deutsche CROCI® U.S. VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.489	$	2.887	$	3.071	$	3.354	$	3.081	$	2.394	$	2.217	$	2.256	$	2.072	$	1.681
Accumulation unit value at end of period	$	3.070	$	3.489	$	2.887	$	3.071	$	3.354	$	3.081	$	2.394	$	2.217	$	2.256	$	2.072
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Global Equity VIP Subaccount (formerly Deutsche Global Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.114	$	2.553	$	2.447	$	2.533	$	2.547	$	2.171	$	1.882	$	2.176	$	1.995	$	1.569
Accumulation unit value at end of period	$	2.722	$	3.114	$	2.553	$	2.447	$	2.533	$	2.547	$	2.171	$	1.882	$	2.176	$	1.995
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Global Income Builder VIP Subaccount (formerly Deutsche Global Income Builder VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	10.762	$	9.391	$	8.941	$	9.226	$	9.037	$	8.458	$	7.614	$	7.855	$	7.182	$	1.715
Accumulation unit value at end of period	$	9.770	$	10.762	$	9.391	$	8.941	$	9.226	$	9.037	$	8.458	$	7.614	$	7.855	$	7.182
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-29

DWS Government & Agency Securities VIP Subaccount (formerly Deutsche Government & Agency Securities VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	2.856	$	2.856	$	2.872	$	2.921	$	2.821	$	2.960	$	2.924	$	2.767	$	2.640	$	2.484
Accumulation unit value at end of period	$	2.823	$	2.856	$	2.856	$	2.872	$	2.921	$	2.821	$	2.960	$	2.924	$	2.767	$	2.640
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Government Money Market VIP Subaccount (formerly Deutsche Government Money Market VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	2.421	$	2.451	$	2.491	$	2.534	$	2.576	$	2.620	$	2.664	$	2.709	$	2.755	$	2.792
Accumulation unit value at end of period	$	2.414	$	2.421	$	2.451	$	2.491	$	2.534	$	2.576	$	2.620	$	2.664	$	2.709	$	2.755
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS High Income VIP Subaccount (formerly Deutsche High Income VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	12.346	$	11.679	$	10.523	$	11.199	$	11.224	$	10.858	$	9.610	$	9.411	$	8.396	$	2.484
Accumulation unit value at end of period	$	11.833	$	12.346	$	11.679	$	10.523	$	11.199	$	11.224	$	10.858	$	9.610	$	9.411	$	8.396
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Small Mid Cap Growth VIP Subaccount (formerly Deutsche Small Mid Cap Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.844	$	3.201	$	2.984	$	3.062	$	2.947	$	2.099	$	1.867	$	1.976	$	1.552	$	1.123
Accumulation unit value at end of period	$	3.266	$	3.844	$	3.201	$	2.984	$	3.062	$	2.947	$	2.099	$	1.867	$	1.976	$	1.552
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Small Mid Cap Value VIP Subaccount (formerly Deutsche Small Mid Cap Value VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	4.547	$	4.184	$	3.640	$	3.774	$	3.637	$	2.735	$	2.445	$	2.647	$	2.188	$	1.715
Accumulation unit value at end of period	$	3.755	$	4.547	$	4.184	$	3.640	$	3.774	$	3.637	$	2.735	$	2.445	$	2.647	$	2.188
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Dreyfus Mid Cap Stock Subaccount
Accumulation unit value at beginning of period	$	32.118	$	28.392	$	25.064	$	26.148	$	23.794	$	17.965	$	15.310	$	15.539	$	12.448	$	9.355
Accumulation unit value at end of period	$	26.625	$	32.118	$	28.392	$	25.064	$	26.148	$	23.794	$	17.965	$	15.310	$	15.539	$	12.448
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Dreyfus Sustainable U.S Equity Portfolio
Accumulation unit value at beginning of period	$	50.869	$	44.854	$	41.327	$	43.417	$	38.919	$	29.462	$	26.759	$	26.970	$	23.889	$	18.164
Accumulation unit value at end of period	$	47.812	$	50.869	$	44.854	$	41.327	$	43.417	$	38.919	$	29.462	$	26.759	$	26.970	$	23.889
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Asset Manager Subaccount
Accumulation unit value at beginning of period	$	41.525	$	37.009	$	36.515	$	37.083	$	35.634	$	31.321	$	28.320	$	29.557	$	26.306	$	20.721
Accumulation unit value at end of period	$	38.642	$	41.525	$	37.009	$	36.515	$	37.083	$	35.634	$	31.321	$	28.320	$	29.557	$	26.306
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Contrafund® Subaccount
Accumulation unit value at beginning of period	$	80.534	$	67.198	$	63.272	$	63.919	$	58.069	$	44.982	$	39.298	$	41.000	$	35.572	$	26.657
Accumulation unit value at end of period	$	74.131	$	80.534	$	67.198	$	63.272	$	63.919	$	58.069	$	44.982	$	39.298	$	41.000	$	35.572
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Equity Income Subaccount
Accumulation unit value at beginning of period	$	66.147	$	59.585	$	51.344	$	54.372	$	50.862	$	40.364	$	34.995	$	35.247	$	31.129	$	24.314
Accumulation unit value at end of period	$	59.642	$	66.147	$	59.585	$	51.344	$	54.372	$	50.862	$	40.364	$	34.995	$	35.247	$	31.129
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Growth Subaccount
Accumulation unit value at beginning of period	$	113.091	$	85.106	$	85.861	$	81.475	$	74.449	$	55.534	$	49.247	$	49.981	$	40.934	$	32.451
Accumulation unit value at end of period	$	111.003	$	113.091	$	85.106	$	85.861	$	81.475	$	74.449	$	55.534	$	49.247	$	49.981	$	40.934
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Index 500 Subaccount
Accumulation unit value at beginning of period	$	328.375	$	274.366	$	249.434	$	250.334	$	224.167	$	172.391	$	151.256	$	150.748	$	133.285	$	107.064
Accumulation unit value at end of period	$	308.354	$	328.375	$	274.366	$	249.434	$	250.334	$	224.167	$	172.391	$	151.256	$	150.748	$	133.285
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Mutual Global Discovery VIP Subaccount
Accumulation unit value at beginning of period	$	31.714	$	29.698	$	26.924	$	28.419	$	27.341	$	21.788	$	19.548	$	20.486	$	18.609	$	15.347
Accumulation unit value at end of period	$	27.683	$	31.714	$	29.698	$	26.924	$	28.419	$	27.341	$	21.788	$	19.548	$	20.486	$	18.609
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Mutual Shares VIP Subaccount
Accumulation unit value at beginning of period	$	23.597	$	22.148	$	19.407	$	20.762	$	19.711	$	15.629	$	13.913	$	14.298	$	13.077	$	10.551
Accumulation unit value at end of period	$	21.097	$	23.597	$	22.148	$	19.407	$	20.762	$	19.711	$	15.629	$	13.913	$	14.298	$	13.077
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Rising Dividends VIP Subaccount
Accumulation unit value at beginning of period	$	29.225	$	24.652	$	21.604	$	22.803	$	21.330	$	16.726	$	15.194	$	14.577	$	12.288	$	10.650
Accumulation unit value at end of period	$	27.275	$	29.225	$	24.652	$	21.604	$	22.803	$	21.330	$	16.726	$	15.194	$	14.577	$	12.288
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-30

Franklin Small Cap Value VIP Subaccount
Accumulation unit value at beginning of period	$	36.989	$	33.995	$	26.555	$	29.161	$	29.488	$	22.012	$	18.910	$	19.982	$	15.849	$	12.480
Accumulation unit value at end of period	$	31.684	$	36.989	$	33.995	$	26.555	$	29.161	$	29.488	$	22.012	$	18.910	$	19.982	$	15.849
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Strategic Income VIP Subaccount
Accumulation unit value at beginning of period	$	17.928	$	17.437	$	16.428	$	17.380	$	17.352	$	17.081	$	15.407	$	15.275	$	14.006	$	11.327
Accumulation unit value at end of period	$	17.250	$	17.928	$	17.437	$	16.428	$	17.380	$	17.352	$	17.081	$	15.407	$	15.275	$	14.006
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin U.S. Government Securities VIP Subaccount
Accumulation unit value at beginning of period	$	12.057	$	12.099	$	12.223	$	12.373	$	12.171	$	12.661	$	12.639	$	12.162	$	11.748	$	11.589
Accumulation unit value at end of period	$	11.894	$	12.057	$	12.099	$	12.223	$	12.373	$	12.171	$	12.661	$	12.639	$	12.162	$	11.748
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Templeton Developing Markets VIP Subaccount
Accumulation unit value at beginning of period	$	32.902	$	23.830	$	20.635	$	26.103	$	28.979	$	29.746	$	26.734	$	32.311	$	27.945	$	16.467
Accumulation unit value at end of period	$	27.240	$	32.902	$	23.830	$	20.635	$	26.103	$	28.979	$	29.746	$	26.734	$	32.311	$	27.945
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Diversified Dividend Subaccount
Accumulation unit value at beginning of period	$	12.518	$	11.725	$	10.386	$	10.348	$	9.328	$	7.239	$	6.201	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	11.376	$	12.518	$	11.725	$	10.386	$	10.348	$	9.328	$	7.239	$	6.201	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		N/A		N/A
Invesco V.I. Health Care Subaccount
Accumulation unit value at beginning of period	$	27.429	$	24.082	$	27.661	$	27.268	$	23.174	$	16.769	$	14.107	$	13.801	$	13.330	$	10.618
Accumulation unit value at end of period	$	27.212	$	27.429	$	24.082	$	27.661	$	27.268	$	23.174	$	16.769	$	14.107	$	13.801	$	13.330
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Global Real Estate Subaccount
Accumulation unit value at beginning of period	$	29.713	$	26.728	$	26.638	$	27.498	$	24.398	$	24.157	$	19.177	$	20.860	$	18.052	$	13.959
Accumulation unit value at end of period	$	27.416	$	29.713	$	26.728	$	26.638	$	27.498	$	24.398	$	24.157	$	19.177	$	20.860	$	18.052
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Managed Volatility Subaccount
Accumulation unit value at beginning of period	$	32.111	$	29.537	$	27.155	$	28.224	$	23.807	$	21.860	$	21.459	$	18.740	$	17.929	$	15.865
Accumulation unit value at end of period	$	28.098	$	32.111	$	29.537	$	27.155	$	28.224	$	23.807	$	21.860	$	21.459	$	18.740	$	17.929
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust MidCap Value Subaccount
Accumulation unit value at beginning of period	$	28.935	$	25.865	$	22.934	$	23.960	$	21.169	$	16.272	$	13.748	$	13.686	$	11.274	$	8.965
Accumulation unit value at end of period	$	25.081	$	28.935	$	25.865	$	22.934	$	23.960	$	21.169	$	16.272	$	13.748	$	13.686	$	11.274
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust Small Cap Core Subaccount
Accumulation unit value at beginning of period	$	38.639	$	34.101	$	28.848	$	30.974	$	28.743	$	20.542	$	17.450	$	18.635	$	14.908	$	N/A
Accumulation unit value at end of period	$	33.457	$	38.639	$	34.101	$	28.848	$	30.974	$	28.743	$	20.542	$	17.450	$	18.635	$	14.908
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust US Equity Subaccount
Accumulation unit value at beginning of period	$	27.505	$	22.865	$	20.960	$	21.134	$	18.870	$	14.088	$	12.179	$	12.621	$	11.301	$	8.598
Accumulation unit value at end of period	$	25.375	$	27.505	$	22.865	$	20.960	$	21.134	$	18.870	$	14.088	$	12.179	$	12.621	$	11.301
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Balanced Subaccount
Accumulation unit value at beginning of period	$	68.490	$	58.811	$	57.177	$	57.790	$	54.164	$	45.845	$	41.037	$	41.060	$	38.526	$	31.124
Accumulation unit value at end of period	$	67.797	$	68.490	$	58.811	$	57.177	$	57.790	$	54.164	$	45.845	$	41.037	$	41.060	$	38.526
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Enterprise Subaccount
Accumulation unit value at beginning of period	$	88.422	$	70.570	$	63.871	$	62.440	$	56.434	$	43.355	$	37.594	$	38.782	$	31.340	$	22.008
Accumulation unit value at end of period	$	86.575	$	88.422	$	70.570	$	63.871	$	62.440	$	56.434	$	43.355	$	37.594	$	38.782	$	31.340
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Global Research Subaccount
Accumulation unit value at beginning of period	$	50.100	$	40.108	$	39.963	$	41.593	$	39.370	$	31.176	$	26.405	$	31.131	$	27.332	$	20.186
Accumulation unit value at end of period	$	45.875	$	50.100	$	40.108	$	39.963	$	41.593	$	39.370	$	31.176	$	26.405	$	31.131	$	27.332
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Mid Cap Value Subaccount
Accumulation unit value at beginning of period	$	35.519	$	31.788	$	27.219	$	28.743	$	26.956	$	21.791	$	20.003	$	20.968	$	18.484	$	14.143
Accumulation unit value at end of period	$	30.096	$	35.519	$	31.788	$	27.219	$	28.743	$	26.956	$	21.791	$	20.003	$	20.968	$	18.484
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Research Subaccount
Accumulation unit value at beginning of period	$	50.170	$	39.897	$	40.371	$	38.974	$	35.078	$	27.370	$	23.474	$	25.208	$	22.386	$	16.697
Accumulation unit value at end of period	$	48.055	$	50.170	$	39.897	$	40.371	$	38.974	$	35.078	$	27.370	$	23.474	$	25.208	$	22.386
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-31

Oppenheimer Capital Appreciation Subaccount
Accumulation unit value at beginning of period	$	24.252	$	19.495	$	20.320	$	20.011	$	17.677	$	13.890	$	12.413	$	12.799	$	11.926	$	8.414
Accumulation unit value at end of period	$	22.424	$	24.252	$	19.495	$	20.320	$	20.011	$	17.677	$	13.890	$	12.413	$	12.799	$	11.926
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Discovery Mid Cap Growth Subaccount
Accumulation unit value at beginning of period	$	27.528	$	21.794	$	21.712	$	20.010	$	15.005	$	13.137	$	N/A	$	N/A	$	N/A	$	8.414
Accumulation unit value at end of period	$	25.359	$	27.528	$	21.794	$	21.712	$	20.010	$	15.005	$	13.137	$	N/A	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Global Strategic Income Subaccount
Accumulation unit value at beginning of period	$	16.524	$	15.848	$	15.166	$	15.818	$	15.696	$	16.021	$	14.401	$	14.551	$	12.893	$	11.074
Accumulation unit value at end of period	$	15.509	$	16.524	$	15.848	$	15.166	$	15.818	$	15.696	$	16.021	$	14.401	$	14.551	$	12.893
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Global Subaccount
Accumulation unit value at beginning of period	$	36.646	$	27.338	$	27.845	$	27.315	$	27.220	$	21.799	$	18.330	$	20.379	$	17.912	$	13.072
Accumulation unit value at end of period	$	31.204	$	36.646	$	27.338	$	27.845	$	27.315	$	27.220	$	21.799	$	18.330	$	20.379	$	17.912
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Main Street Subaccount
Accumulation unit value at beginning of period	$	27.026	$	23.564	$	21.531	$	21.237	$	19.564	$	15.137	$	13.202	$	13.468	$	11.826	$	9.396
Accumulation unit value at end of period	$	24.420	$	27.026	$	23.564	$	21.531	$	21.237	$	19.564	$	15.137	$	13.202	$	13.468	$	11.826
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Main Street Small Cap Subaccount
Accumulation unit value at beginning of period	$	37.891	$	33.828	$	29.235	$	31.661	$	28.838	$	20.856	$	18.026	$	18.779	$	15.520	$	11.531
Accumulation unit value at end of period	$	33.328	$	37.891	$	33.828	$	29.235	$	31.661	$	28.838	$	20.856	$	18.026	$	18.779	$	15.520
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Voya Global Equity Subaccount
Accumulation unit value at beginning of period	$	12.584	$	10.367	$	9.969	$	10.714	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	11.245	$	12.584	$	10.367	$	9.969	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		N/A		N/A		N/A		N/A		N/A		N/A
VY JPMorgan Emerging Markets Equity Subaccount
Accumulation unit value at beginning of period	$	29.381	$	20.842	$	18.714	$	22.539	$	22.668	$	24.393	$	20.790	$	25.800	$	21.751	$	12.860
Accumulation unit value at end of period	$	24.096	$	29.381	$	20.842	$	18.714	$	22.539	$	22.668	$	24.393	$	20.790	$	25.800	$	21.751
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-32

Additional Contract Options Elected (0.45%)

Guaranteed Minimum Death Benefit and Guaranteed Retirement Income Benefit—10 year

(Separate Account Charges of 1.75% of the Daily Net Assets of the Separate Account)

Tax Qualified Periodic Payment Contracts—1.75%

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Alger Large Cap Growth Subaccount
Accumulation unit value at beginning of period	$	101.194	$	80.145	$	82.225	$	82.252	$	75.407	$	56.800	$	52.607	$	53.712	$	48.199	$	33.233
Accumulation unit value at end of period	$	101.638	$	101.194	$	80.145	$	82.225	$	82.252	$	75.407	$	56.800	$	52.607	$	53.712	$	48.199
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		0		0		0		0		0		0		0
Alger MidCap Growth Subaccount
Accumulation unit value at beginning of period	$	60.958	$	47.785	$	48.150	$	49.771	$	46.886	$	35.119	$	30.751	$	34.111	$	29.072	$	19.499
Accumulation unit value at end of period	$	55.443	$	60.958	$	47.785	$	48.150	$	49.771	$	46.886	$	35.119	$	30.751	$	34.111	$	29.072
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		0		0		0		0		0		0		0
Alger Small Cap Growth Subaccount
Accumulation unit value at beginning of period	$	90.058	$	71.178	$	68.167	$	71.741	$	72.679	$	55.080	$	49.819	$	52.355	$	42.517	$	29.731
Accumulation unit value at end of period	$	89.770	$	90.058	$	71.178	$	68.167	$	71.741	$	72.679	$	55.080	$	49.819	$	52.355	$	42.517
Number of accumulation units outstanding at end of period (000’s omitted)		—		0		0		0		0		0		0		0		0		0
American Century VP Income & Growth Subaccount
Accumulation unit value at beginning of period	$	14.222	$	12.010	$	10.768	$	11.609	$	10.499	$	7.865	$	6.975	$	6.882	$	6.135	$	5.286
Accumulation unit value at end of period	$	13.017	$	14.222	$	12.010	$	10.768	$	11.609	$	10.499	$	7.865	$	6.975	$	6.882	$	6.135
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		1		1		1		1		1		1		1		1
American Century VP Value Subaccount
Accumulation unit value at beginning of period	$	19.088	$	17.859	$	15.082	$	15.966	$	14.366	$	11.097	$	9.855	$	9.927	$	8.905	$	7.559
Accumulation unit value at end of period	$	17.042	$	19.088	$	17.859	$	15.082	$	15.966	$	14.366	$	11.097	$	9.855	$	9.927	$	8.905
Number of accumulation units outstanding at end of period (000’s omitted)		0		1		1		1		1		1		1		1		2		2
DWS Bond VIP Subaccount (formerly Deutsche Bond VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	9.532	$	9.164	$	8.802	$	8.982	$	8.571	$	8.993	$	8.491	$	8.175	$	7.789	$	7.200
Accumulation unit value at end of period	$	9.118	$	9.532	$	9.164	$	8.802	$	8.982	$	8.571	$	8.993	$	8.491	$	8.175	$	7.789
Number of accumulation units outstanding at end of period (000’s omitted)		0		1		1		1		1		1		3		2		2		2
DWS Capital Growth VIP Subaccount (formerly Deutsche Capital Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	47.841	$	38.540	$	37.616	$	35.237	$	31.737	$	23.983	$	21.028	$	22.397	$	19.526	$	15.660
Accumulation unit value at end of period	$	46.263	$	47.841	$	38.540	$	37.616	$	35.237	$	31.737	$	23.983	$	21.028	$	22.397	$	19.526
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		0		0		0		0		0		0		0
DWS Core Equity VIP Subaccount (formerly Deutsche Core Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	24.575	$	20.661	$	19.027	$	18.395	$	16.738	$	12.401	$	10.896	$	11.102	$	9.875	$	7.490
Accumulation unit value at end of period	$	22.777	$	24.575	$	20.661	$	19.027	$	18.395	$	16.738	$	12.401	$	10.896	$	11.102	$	9.875
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS CROCI® International VIP Subaccount (formerly Deutsche CROCI® International VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	14.271	$	11.905	$	12.024	$	12.944	$	14.927	$	12.633	$	10.654	$	13.010	$	13.026	$	9.926
Accumulation unit value at end of period	$	12.005	$	14.271	$	11.905	$	12.024	$	12.944	$	14.927	$	12.633	$	10.654	$	13.010	$	13.026
Number of accumulation units outstanding at end of period  (000’s omitted)		0		—		—		—		—		—		—		—		—		—

B-33

DWS CROCI® U.S. VIP Subaccount, name change as of 5/1/17 (formerly Deutsche CROCI® U.S. VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.461	$	2.866	$	3.050	$	3.332	$	3.062	$	2.380	$	2.206	$	2.246	$	2.063	$	1.675
Accumulation unit value at end of period	$	3.044	$	3.461	$	2.866	$	3.050	$	3.332	$	3.062	$	2.380	$	2.206	$	2.246	$	2.063
Number of accumulation units outstanding at end of period (000’s omitted)		2		2		5		5		5		5		5		5		8		8
DWS Global Equity VIP Subaccount (formerly Deutsche Global Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.090	$	2.534	$	2.430	$	2.517	$	2.532	$	2.159	$	1.872	$	2.167	$	1.987	$	1.563
Accumulation unit value at end of period	$	2.699	$	3.090	$	2.534	$	2.430	$	2.517	$	2.532	$	2.159	$	1.872	$	2.167	$	1.987
Number of accumulation units outstanding at end of period (000’s omitted)		—		0		0		0		0		0		0		0		0		0
DWS Global Income Builder VIP Subaccount (formerly Deutsche Global Income Builder VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	11.459	$	10.004	$	9.529	$	9.838	$	9.641	$	8.411	$	7.575	$	7.819	$	7.153	$	5.896
Accumulation unit value at end of period	$	10.397	$	11.459	$	10.004	$	9.529	$	9.838	$	9.641	$	8.411	$	7.575	$	7.819	$	7.153
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Government & Agency Securities VIP Subaccount (formerly Deutsche Government & Agency Securities VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	2.833	$	2.835	$	2.852	$	2.902	$	2.804	$	2.943	$	2.910	$	2.755	$	2.629	$	2.475
Accumulation unit value at end of period	$	2.799	$	2.833	$	2.835	$	2.852	$	2.902	$	2.804	$	2.943	$	2.910	$	2.755	$	2.629
Number of accumulation units outstanding at end of period (000’s omitted)		—		0		1		1		1		1		1		1		1		1
DWS Government Money Market VIP Subaccount (formerly Deutsche Government Money Market VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	2.402	$	2.433	$	2.474	$	2.517	$	2.561	$	2.605	$	2.651	$	2.697	$	2.744	$	2.783
Accumulation unit value at end of period	$	2.393	$	2.402	$	2.433	$	2.474	$	2.517	$	2.561	$	2.605	$	2.651	$	2.697	$	2.744
Number of accumulation units outstanding at end of period (000’s omitted)		—		0		0		0		0		0		3		3		5		5
DWS High Income VIP Subaccount (formerly Deutsche High Income VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	12.572	$	11.899	$	10.726	$	11.421	$	11.452	$	10.798	$	9.561	$	9.369	$	8.362	$	6.078
Accumulation unit value at end of period	$	12.044	$	12.572	$	11.899	$	10.726	$	11.421	$	11.452	$	10.798	$	9.561	$	9.369	$	8.362
Number of accumulation units outstanding at end of period (000’s omitted)		—		0		0		0		0		0		0		0		0		0
DWS Small Mid Cap Growth VIP Subaccount (formerly Deutsche Small Mid Cap Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.813	$	3.177	$	2.963	$	3.043	$	2.929	$	2.087	$	1.857	$	1.967	$	1.546	$	1.119
Accumulation unit value at end of period	$	3.238	$	3.813	$	3.177	$	2.963	$	3.043	$	2.929	$	2.087	$	1.857	$	1.967	$	1.546
Number of accumulation units outstanding at end of period (000’s omitted)		2		2		2		0		0		0		0		0		6		6
DWS Small Mid Cap Value VIP Subaccount (formerly Deutsche Small Mid Cap Value VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	4.511	$	4.152	$	3.614	$	3.749	$	3.615	$	2.720	$	2.433	$	2.636	$	2.179	$	1.709
Accumulation unit value at end of period	$	3.723	$	4.511	$	4.152	$	3.614	$	3.749	$	3.615	$	2.720	$	2.433	$	2.636	$	2.179
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		3		3		3		3		3		3		2		2
Dreyfus Mid Cap Stock Subaccount
Accumulation unit value at beginning of period	$	31.887	$	28.202	$	24.908	$	25.998	$	23.669	$	17.879	$	15.244	$	15.480	$	12.407	$	9.329
Accumulation unit value at end of period	$	26.420	$	31.887	$	28.202	$	24.908	$	25.998	$	23.669	$	17.879	$	15.244	$	15.480	$	12.407
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Dreyfus Sustainable U.S Equity Portfolio
Accumulation unit value at beginning of period	$	50.464	$	44.518	$	41.038	$	43.134	$	38.684	$	29.299	$	26.624	$	26.847	$	23.792	$	18.099
Accumulation unit value at end of period	$	47.408	$	50.464	$	44.518	$	41.038	$	43.134	$	38.684	$	29.299	$	26.624	$	26.847	$	23.792
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		1		1		1		1		1
Fidelity VIP Asset Manager Subaccount
Accumulation unit value at beginning of period	$	41.194	$	36.732	$	36.259	$	36.842	$	35.420	$	31.148	$	28.177	$	29.422	$	26.200	$	20.647
Accumulation unit value at end of period	$	38.316	$	41.194	$	36.732	$	36.259	$	36.842	$	35.420	$	31.148	$	28.177	$	29.422	$	26.200
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		0		0		0		0		0		0		0
Fidelity VIP Contrafund® Subaccount
Accumulation unit value at beginning of period	$	79.892	$	66.695	$	62.829	$	63.503	$	57.720	$	44.734	$	39.100	$	40.813	$	35.427	$	26.562
Accumulation unit value at end of period	$	73.504	$	79.892	$	66.695	$	62.829	$	63.503	$	57.720	$	44.734	$	39.100	$	40.813	$	35.427
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		0		0		0		0		0		0		0
Fidelity VIP Equity Income Subaccount
Accumulation unit value at beginning of period	$	65.620	$	59.139	$	50.985	$	54.019	$	50.556	$	40.141	$	34.819	$	35.086	$	31.003	$	24.227
Accumulation unit value at end of period	$	59.137	$	65.620	$	59.139	$	50.985	$	54.019	$	50.556	$	40.141	$	34.819	$	35.086	$	31.003
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		0		0		0		0		0		0		0
Fidelity VIP Growth Subaccount
Accumulation unit value at beginning of period	$	112.190	$	84.469	$	85.261	$	80.945	$	74.001	$	55.228	$	48.999	$	49.754	$	40.768	$	32.335
Accumulation unit value at end of period	$	110.064	$	112.190	$	84.469	$	85.261	$	80.945	$	74.001	$	55.228	$	48.999	$	49.754	$	40.768
Number of accumulation units outstanding at end of period (000’s omitted)		0		1		1		1		1		1		1		1		1		1
Fidelity VIP Index 500 Subaccount
Accumulation unit value at beginning of period	$	325.759	$	272.314	$	247.690	$	248.706	$	222.819	$	171.438	$	150.494	$	150.062	$	132.744	$	106.683
Accumulation unit value at end of period	$	305.745	$	325.759	$	272.314	$	247.690	$	248.706	$	222.819	$	171.438	$	150.494	$	150.062	$	132.744
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		0		0		0		0		0		0		0

B-34

Franklin Mutual Global Discovery VIP Subaccount
Accumulation unit value at beginning of period	$	31.486	$	29.499	$	26.756	$	28.256	$	27.198	$	21.685	$	19.465	$	20.409	$	18.548	$	15.304
Accumulation unit value at end of period	$	27.471	$	31.486	$	29.499	$	26.756	$	28.256	$	27.198	$	21.685	$	19.465	$	20.409	$	18.548
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Mutual Shares VIP Subaccount
Accumulation unit value at beginning of period	$	23.427	$	21.999	$	19.286	$	20.643	$	19.607	$	15.555	$	13.854	$	14.244	$	13.034	$	10.522
Accumulation unit value at end of period	$	20.934	$	23.427	$	21.999	$	19.286	$	20.643	$	19.607	$	15.555	$	13.854	$	14.244	$	13.034
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Rising Dividends VIP Subaccount
Accumulation unit value at beginning of period	$	29.014	$	24.486	$	21.470	$	22.672	$	21.218	$	16.647	$	15.129	$	14.522	$	12.248	$	10.620
Accumulation unit value at end of period	$	27.066	$	29.014	$	24.486	$	21.470	$	22.672	$	21.218	$	16.647	$	15.129	$	14.522	$	12.248
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Small Cap Value VIP Subaccount
Accumulation unit value at beginning of period	$	36.723	$	33.767	$	26.390	$	28.993	$	29.333	$	21.907	$	18.829	$	19.907	$	15.797	$	12.445
Accumulation unit value at end of period	$	31.441	$	36.723	$	33.767	$	26.390	$	28.993	$	29.333	$	21.907	$	18.829	$	19.907	$	15.797
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Strategic Income VIP Subaccount
Accumulation unit value at beginning of period	$	17.799	$	17.320	$	16.326	$	17.281	$	17.262	$	17.000	$	15.342	$	15.218	$	13.960	$	11.296
Accumulation unit value at end of period	$	17.118	$	17.799	$	17.320	$	16.326	$	17.281	$	17.262	$	17.000	$	15.342	$	15.218	$	13.960
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin U.S. Government Securities VIP Subaccount
Accumulation unit value at beginning of period	$	11.970	$	12.018	$	12.147	$	12.302	$	12.107	$	12.601	$	12.585	$	12.116	$	11.710	$	11.557
Accumulation unit value at end of period	$	11.803	$	11.970	$	12.018	$	12.147	$	12.302	$	12.107	$	12.601	$	12.585	$	12.116	$	11.710
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Templeton Developing Markets VIP Subaccount
Accumulation unit value at beginning of period	$	32.666	$	23.670	$	20.507	$	25.954	$	28.827	$	29.604	$	26.620	$	32.189	$	27.853	$	16.421
Accumulation unit value at end of period	$	27.030	$	32.666	$	23.670	$	20.507	$	25.954	$	28.827	$	29.604	$	26.620	$	32.189	$	27.853
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Diversified Dividend Subaccount
Accumulation unit value at beginning of period	$	12.428	$	11.647	$	10.321	$	10.289	$	9.279	$	7.205	$	6.175	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	11.288	$	12.428	$	11.647	$	10.321	$	10.289	$	9.279	$	7.205	$	6.175	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		N/A		N/A
Invesco V.I. Health Care Subaccount
Accumulation unit value at beginning of period	$	27.231	$	23.921	$	27.489	$	27.112	$	23.052	$	16.689	$	14.046	$	13.749	$	13.286	$	10.588
Accumulation unit value at end of period	$	27.002	$	27.231	$	23.921	$	27.489	$	27.112	$	23.052	$	16.689	$	14.046	$	13.749	$	13.286
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Global Real Estate Subaccount
Accumulation unit value at beginning of period	$	29.499	$	26.549	$	26.473	$	27.341	$	24.270	$	24.043	$	19.095	$	20.781	$	17.993	$	13.920
Accumulation unit value at end of period	$	27.205	$	29.499	$	26.549	$	26.473	$	27.341	$	24.270	$	24.043	$	19.095	$	20.781	$	17.993
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Managed Volatility Subaccount
Accumulation unit value at beginning of period	$	31.880	$	29.339	$	26.986	$	28.062	$	23.682	$	21.756	$	21.367	$	18.670	$	17.870	$	15.821
Accumulation unit value at end of period	$	27.882	$	31.880	$	29.339	$	26.986	$	28.062	$	23.682	$	21.756	$	21.367	$	18.670	$	17.870
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-35

JPMorgan Insurance Trust MidCap Value Subaccount
Accumulation unit value at beginning of period	$	28.736	$	25.700	$	22.798	$	23.830	$	21.065	$	16.200	$	13.694	$	13.638	$	11.240	$	8.942
Accumulation unit value at end of period	$	24.897	$	28.736	$	25.700	$	22.798	$	23.830	$	21.065	$	16.200	$	13.694	$	13.638	$	11.240
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust Small Cap Core Subaccount
Accumulation unit value at beginning of period	$	38.331	$	33.846	$	28.646	$	30.773	$	28.570	$	20.429	$	17.362	$	18.551	$	14.847	$	N/A
Accumulation unit value at end of period	$	33.174	$	38.331	$	33.846	$	28.646	$	30.773	$	28.570	$	20.429	$	17.362	$	18.551	$	14.847
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		0		0		0		0		0		0		0
JPMorgan Insurance Trust US Equity Subaccount
Accumulation unit value at beginning of period	$	27.315	$	22.719	$	20.836	$	21.019	$	18.777	$	14.025	$	12.131	$	12.578	$	11.268	$	8.576
Accumulation unit value at end of period	$	25.188	$	27.315	$	22.719	$	20.836	$	21.019	$	18.777	$	14.025	$	12.131	$	12.578	$	11.268
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Balanced Subaccount
Accumulation unit value at beginning of period	$	67.944	$	58.371	$	56.777	$	57.414	$	53.838	$	45.591	$	40.830	$	40.873	$	38.370	$	31.013
Accumulation unit value at end of period	$	67.224	$	67.944	$	58.371	$	56.777	$	57.414	$	53.838	$	45.591	$	40.830	$	40.873	$	38.370
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		0		0		0		0		0		—		—
Janus Henderson Enterprise Subaccount
Accumulation unit value at beginning of period	$	87.718	$	70.042	$	63.424	$	62.034	$	56.095	$	43.116	$	37.404	$	38.606	$	31.213	$	21.929
Accumulation unit value at end of period	$	85.843	$	87.718	$	70.042	$	63.424	$	62.034	$	56.095	$	43.116	$	37.404	$	38.606	$	31.213
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		0		0		0		1		1		1		1
Janus Henderson Global Research Subaccount
Accumulation unit value at beginning of period	$	49.701	$	39.808	$	39.683	$	41.323	$	39.133	$	31.004	$	26.272	$	30.990	$	27.221	$	20.114
Accumulation unit value at end of period	$	45.487	$	49.701	$	39.808	$	39.683	$	41.323	$	39.133	$	31.004	$	26.272	$	30.990	$	27.221
Number of accumulation units outstanding at end of period (000’s omitted)		0		—		—		—		—		—		—		—		—		—
Janus Henderson Mid Cap Value Subaccount
Accumulation unit value at beginning of period	$	35.264	$	31.575	$	27.050	$	28.578	$	26.815	$	21.687	$	19.918	$	20.889	$	18.423	$	14.103
Accumulation unit value at end of period	$	29.864	$	35.264	$	31.575	$	27.050	$	28.578	$	26.815	$	21.687	$	19.918	$	20.889	$	18.423
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Research Subaccount
Accumulation unit value at beginning of period	$	49.770	$	39.598	$	40.089	$	38.720	$	34.867	$	27.219	$	23.355	$	25.094	$	22.296	$	16.638
Accumulation unit value at end of period	$	47.649	$	49.770	$	39.598	$	40.089	$	38.720	$	34.867	$	27.219	$	23.355	$	25.094	$	22.296
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Capital Appreciation Subaccount
Accumulation unit value at beginning of period	$	24.077	$	19.365	$	20.193	$	19.896	$	17.584	$	13.824	$	12.360	$	12.751	$	11.887	$	8.390
Accumulation unit value at end of period	$	22.252	$	24.077	$	19.365	$	20.193	$	19.896	$	17.584	$	13.824	$	12.360	$	12.751	$	11.887
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Discovery Mid Cap Growth Subaccount
Accumulation unit value at beginning of period	$	27.330	$	21.647	$	21.577	$	19.905	$	14.933	$	13.081	$	N/A	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	25.164	$	27.330	$	21.647	$	21.577	$	19.905	$	14.933	$	13.081	$	N/A	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		N/A		N/A		N/A
Oppenheimer Global Strategic Income Subaccount
Accumulation unit value at beginning of period	$	16.405	$	15.741	$	15.072	$	15.727	$	15.614	$	15.945	$	14.340	$	14.496	$	12.851	$	11.043
Accumulation unit value at end of period	$	15.390	$	16.405	$	15.741	$	15.072	$	15.727	$	15.614	$	15.945	$	14.340	$	14.496	$	12.851
Number of accumulation units outstanding at end of period (000’s omitted)		—		0		0		0		0		0		0		0		5		5
Oppenheimer Global Subaccount
Accumulation unit value at beginning of period	$	36.383	$	27.155	$	26.672	$	27.159	$	27.077	$	21.695	$	18.252	$	20.302	$	17.853	$	13.036
Accumulation unit value at end of period	$	30.965	$	36.383	$	27.155	$	26.672	$	27.159	$	27.077	$	21.695	$	18.252	$	20.302	$	17.853
Number of accumulation units outstanding at end of period (000’s omitted)		—		0		0		0		0		0		0		0		0		0
Oppenheimer Main Street Subaccount
Accumulation unit value at beginning of period	$	26.832	$	23.406	$	21.397	$	21.116	$	19.461	$	15.065	$	13.146	$	13.418	$	11.787	$	9.370
Accumulation unit value at end of period	$	24.233	$	26.832	$	23.406	$	21.397	$	21.116	$	19.461	$	15.065	$	13.146	$	13.418	$	11.787
Number of accumulation units outstanding at end of period (000’s omitted)		—		0		0		0		0		0		0		0		0		0
Oppenheimer Main Street Small Cap Subaccount
Accumulation unit value at beginning of period	$	37.619	$	33.601	$	29.053	$	31.480	$	28.687	$	20.757	$	17.949	$	18.709	$	15.469	$	11.499
Accumulation unit value at end of period	$	33.072	$	37.619	$	33.601	$	29.053	$	31.480	$	28.687	$	20.757	$	17.949	$	18.709	$	15.469
Number of accumulation units outstanding at end of period (000’s omitted)		—		0		0		0		0		0		0		0		0		0
Voya Global Equity Subaccount
Accumulation unit value at beginning of period	$	12.516	$	10.317	$	9.925	$	10.671	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	11.179	$	12.516	$	10.317	$	9.925	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		0		—		—		—		N/A		N/A		N/A		N/A		N/A		N/A
VY JPMorgan Emerging Markets Equity Subaccount
Accumulation unit value at beginning of period	$	29.207	$	20.729	$	18.621	$	22.439	$	22.578	$	24.308	$	20.728	$	25.736	$	21.707	$	12.840
Accumulation unit value at end of period	$	23.942	$	29.207	$	20.729	$	18.621	$	22.439	$	22.578	$	24.308	$	20.728	$	25.736	$	21.707
Number of accumulation units outstanding at end of period (000’s omitted)		0		—		—		—		—		—		—		—		—		—

B-36

Additional Contract Options Elected (0.45%)

Guaranteed Minimum Death Benefit and Guaranteed Retirement Income Benefit—10 year

(Separate Account Charges of 1.75% of the Daily Net Assets of the Separate Account)

Tax Nonqualified Periodic Payment Contracts—1.75%

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Alger Large Cap Growth Subaccount
Accumulation unit value at beginning of period	$	101.194	$	80.145	$	82.225	$	82.252	$	75.407	$	56.800	$	52.607	$	53.712	$	48.199	$	33.233
Accumulation unit value at end of period	$	101.638	$	101.194	$	80.145	$	82.225	$	82.252	$	75.407	$	56.800	$	52.607	$	53.712	$	48.199
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Alger MidCap Growth Subaccount
Accumulation unit value at beginning of period	$	60.958	$	47.785	$	48.150	$	49.771	$	46.886	$	35.119	$	30.751	$	34.111	$	29.072	$	19.499
Accumulation unit value at end of period	$	55.443	$	60.958	$	47.785	$	48.150	$	49.771	$	46.886	$	35.119	$	30.751	$	34.111	$	29.072
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Alger Small Cap Growth Subaccount
Accumulation unit value at beginning of period	$	90.058	$	71.178	$	68.167	$	71.741	$	72.679	$	55.080	$	49.819	$	52.355	$	42.517	$	29.731
Accumulation unit value at end of period	$	89.770	$	90.058	$	71.178	$	68.167	$	71.741	$	72.679	$	55.080	$	49.819	$	52.355	$	42.517
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
American Century VP Income & Growth Subaccount
Accumulation unit value at beginning of period	$	14.222	$	12.010	$	10.768	$	11.609	$	10.499	$	7.865	$	6.975	$	6.882	$	6.135	$	5.286
Accumulation unit value at end of period	$	13.017	$	14.222	$	12.010	$	10.768	$	11.609	$	10.499	$	7.865	$	6.975	$	6.882	$	6.135
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
American Century VP Value Subaccount
Accumulation unit value at beginning of period	$	19.088	$	17.859	$	15.082	$	15.966	$	14.366	$	11.097	$	9.855	$	9.927	$	8.905	$	7.559
Accumulation unit value at end of period	$	17.042	$	19.088	$	17.859	$	15.082	$	15.966	$	14.366	$	11.097	$	9.855	$	9.927	$	8.905
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Bond VIP Subaccount (formerly Deutsche Bond VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	9.532	$	9.164	$	8.802	$	8.982	$	8.571	$	8.993	$	8.491	$	8.175	$	7.789	$	7.200
Accumulation unit value at end of period	$	9.118	$	9.532	$	9.164	$	8.802	$	8.982	$	8.571	$	8.993	$	8.491	$	8.175	$	7.789
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Capital Growth VIP Subaccount (formerly Deutsche Capital Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	47.841	$	38.540	$	37.616	$	35.237	$	31.737	$	23.983	$	21.028	$	22.397	$	19.526	$	15.660
Accumulation unit value at end of period	$	46.263	$	47.841	$	38.540	$	37.616	$	35.237	$	31.737	$	23.983	$	21.028	$	22.397	$	19.526
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Core Equity VIP Subaccount (formerly Deutsche Core Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	24.575	$	20.661	$	19.027	$	18.395	$	16.738	$	12.401	$	10.896	$	11.102	$	9.875	$	7.490
Accumulation unit value at end of period	$	22.777	$	24.575	$	20.661	$	19.027	$	18.395	$	16.738	$	12.401	$	10.896	$	11.102	$	9.875
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS CROCI® International VIP Subaccount (formerly Deutsche CROCI® International VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	14.271	$	11.905	$	12.024	$	12.944	$	14.927	$	12.633	$	10.654	$	13.010	$	13.026	$	9.926
Accumulation unit value at end of period	$	12.005	$	14.271	$	11.905	$	12.024	$	12.944	$	14.927	$	12.633	$	10.654	$	13.010	$	13.026
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-37

DWS CROCI® U.S. VIP Subaccount, name change as of 5/1/17 (formerly Deutsche CROCI® U.S. VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.461	$	2.866	$	3.050	$	3.332	$	3.062	$	2.380	$	2.206	$	2.246	$	2.063	$	1.675
Accumulation unit value at end of period	$	3.044	$	3.461	$	2.866	$	3.050	$	3.332	$	3.062	$	2.380	$	2.206	$	2.246	$	2.063
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Global Equity VIP Subaccount (formerly Deutsche Global Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.090	$	2.534	$	2.430	$	2.517	$	2.532	$	2.159	$	1.872	$	2.167	$	1.987	$	1.563
Accumulation unit value at end of period	$	2.699	$	3.090	$	2.534	$	2.430	$	2.517	$	2.532	$	2.159	$	1.872	$	2.167	$	1.987
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Global Income Builder VIP Subaccount (formerly Deutsche Global Income Builder VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	10.676	$	9.321	$	8.879	$	9.166	$	8.983	$	8.411	$	7.058	$	7.285	$	6.664	$	5.494
Accumulation unit value at end of period	$	9.688	$	10.676	$	9.321	$	8.879	$	9.166	$	8.983	$	8.411	$	7.058	$	7.285	$	6.664
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Government & Agency Securities VIP Subaccount (formerly Deutsche Government & Agency Securities VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	2.833	$	2.835	$	2.852	$	2.902	$	2.804	$	2.943	$	2.910	$	2.755	$	2.629	$	2.475
Accumulation unit value at end of period	$	2.799	$	2.833	$	2.835	$	2.852	$	2.902	$	2.804	$	2.943	$	2.910	$	2.755	$	2.629
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Government Money Market VIP Subaccount (formerly Deutsche Government Money Market VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	2.402	$	2.433	$	2.474	$	2.517	$	2.561	$	2.605	$	2.651	$	2.697	$	2.744	$	2.783
Accumulation unit value at end of period	$	2.393	$	2.402	$	2.433	$	2.474	$	2.517	$	2.561	$	2.605	$	2.651	$	2.697	$	2.744
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS High Income VIP Subaccount (formerly Deutsche High Income VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	12.248	$	11.591	$	10.449	$	11.126	$	11.156	$	10.798	$	9.314	$	9.127	$	8.146	$	5.921
Accumulation unit value at end of period	$	11.733	$	12.248	$	11.591	$	10.449	$	11.126	$	11.156	$	10.798	$	9.314	$	9.127	$	8.146
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Small Mid Cap Growth VIP Subaccount (formerly Deutsche Small Mid Cap Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.813	$	3.177	$	2.963	$	3.043	$	2.929	$	2.087	$	1.857	$	1.967	$	1.546	$	1.119
Accumulation unit value at end of period	$	3.238	$	3.813	$	3.177	$	2.963	$	3.043	$	2.929	$	2.087	$	1.857	$	1.967	$	1.546
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Small Mid Cap Value VIP Subaccount (formerly Deutsche Small Mid Cap Value VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	4.511	$	4.152	$	3.614	$	3.749	$	3.615	$	2.720	$	2.433	$	2.636	$	2.179	$	1.709
Accumulation unit value at end of period	$	3.723	$	4.511	$	4.152	$	3.614	$	3.749	$	3.615	$	2.720	$	2.433	$	2.636	$	2.179
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Dreyfus Mid Cap Stock Subaccount
Accumulation unit value at beginning of period	$	31.887	$	28.202	$	24.908	$	25.998	$	23.669	$	17.879	$	15.244	$	15.480	$	12.407	$	9.329
Accumulation unit value at end of period	$	26.420	$	31.887	$	28.202	$	24.908	$	25.998	$	23.669	$	17.879	$	15.244	$	15.480	$	12.407
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Dreyfus Sustainable U.S Equity Portfolio
Accumulation unit value at beginning of period	$	50.464	$	44.518	$	41.038	$	43.134	$	38.684	$	29.299	$	26.624	$	26.847	$	23.792	$	18.099
Accumulation unit value at end of period	$	47.408	$	50.464	$	44.518	$	41.038	$	43.134	$	38.684	$	29.299	$	26.624	$	26.847	$	23.792
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Asset Manager Subaccount
Accumulation unit value at beginning of period	$	41.194	$	36.732	$	36.259	$	36.842	$	35.420	$	31.148	$	28.177	$	29.422	$	26.200	$	20.647
Accumulation unit value at end of period	$	38.316	$	41.194	$	36.732	$	36.259	$	36.842	$	35.420	$	31.148	$	28.177	$	29.422	$	26.200
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Contrafund® Subaccount
Accumulation unit value at beginning of period	$	79.892	$	66.695	$	62.829	$	63.503	$	57.720	$	44.734	$	39.100	$	40.813	$	35.427	$	26.562
Accumulation unit value at end of period	$	73.504	$	79.892	$	66.695	$	62.829	$	63.503	$	57.720	$	44.734	$	39.100	$	40.813	$	35.427
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Equity Income Subaccount
Accumulation unit value at beginning of period	$	65.620	$	59.139	$	50.985	$	54.019	$	50.556	$	40.141	$	34.819	$	35.086	$	31.003	$	24.227
Accumulation unit value at end of period	$	59.137	$	65.620	$	59.139	$	50.985	$	54.019	$	50.556	$	40.141	$	34.819	$	35.086	$	31.003
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Growth Subaccount
Accumulation unit value at beginning of period	$	112.190	$	84.469	$	85.261	$	80.945	$	74.001	$	55.228	$	48.999	$	49.754	$	40.768	$	32.335
Accumulation unit value at end of period	$	110.064	$	112.190	$	84.469	$	85.261	$	80.945	$	74.001	$	55.228	$	48.999	$	49.754	$	40.768
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Index 500 Subaccount
Accumulation unit value at beginning of period	$	325.759	$	272.314	$	247.690	$	248.706	$	222.819	$	171.438	$	150.494	$	150.062	$	132.744	$	106.683
Accumulation unit value at end of period	$	305.745	$	325.759	$	272.314	$	247.690	$	248.706	$	222.819	$	171.438	$	150.494	$	150.062	$	132.744
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-38

Franklin Mutual Global Discovery VIP Subaccount
Accumulation unit value at beginning of period	$	31.486	$	29.499	$	26.756	$	28.256	$	27.198	$	21.685	$	19.465	$	20.409	$	18.548	$	15.304
Accumulation unit value at end of period	$	27.471	$	31.486	$	29.499	$	26.756	$	28.256	$	27.198	$	21.685	$	19.465	$	20.409	$	18.548
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Mutual Shares VIP Subaccount
Accumulation unit value at beginning of period	$	23.427	$	21.999	$	19.286	$	20.643	$	19.607	$	15.555	$	13.854	$	14.244	$	13.034	$	10.522
Accumulation unit value at end of period	$	20.934	$	23.427	$	21.999	$	19.286	$	20.643	$	19.607	$	15.555	$	13.854	$	14.244	$	13.034
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Rising Dividends VIP Subaccount
Accumulation unit value at beginning of period	$	29.014	$	24.486	$	21.470	$	22.672	$	21.218	$	16.647	$	15.129	$	14.522	$	12.248	$	10.620
Accumulation unit value at end of period	$	27.066	$	29.014	$	24.486	$	21.470	$	22.672	$	21.218	$	16.647	$	15.129	$	14.522	$	12.248
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Small Cap Value VIP Subaccount
Accumulation unit value at beginning of period	$	36.723	$	33.767	$	26.390	$	28.993	$	29.333	$	21.907	$	18.829	$	19.907	$	15.797	$	12.445
Accumulation unit value at end of period	$	31.441	$	36.723	$	33.767	$	26.390	$	28.993	$	29.333	$	21.907	$	18.829	$	19.907	$	15.797
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Strategic Income VIP Subaccount
Accumulation unit value at beginning of period	$	17.799	$	17.320	$	16.326	$	17.281	$	17.262	$	17.000	$	15.342	$	15.218	$	13.960	$	11.296
Accumulation unit value at end of period	$	17.118	$	17.799	$	17.320	$	16.326	$	17.281	$	17.262	$	17.000	$	15.342	$	15.218	$	13.960
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin U.S. Government Securities VIP Subaccount
Accumulation unit value at beginning of period	$	11.970	$	12.018	$	12.147	$	12.302	$	12.107	$	12.601	$	12.585	$	12.116	$	11.710	$	11.557
Accumulation unit value at end of period	$	11.803	$	11.970	$	12.018	$	12.147	$	12.302	$	12.107	$	12.601	$	12.585	$	12.116	$	11.710
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Templeton Developing Markets VIP Subaccount
Accumulation unit value at beginning of period	$	32.666	$	23.670	$	20.507	$	25.954	$	28.827	$	29.604	$	26.620	$	32.189	$	27.853	$	16.421
Accumulation unit value at end of period	$	27.030	$	32.666	$	23.670	$	20.507	$	25.954	$	28.827	$	29.604	$	26.620	$	32.189	$	27.853
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Diversified Dividend Subaccount
Accumulation unit value at beginning of period	$	12.428	$	11.647	$	10.321	$	10.289	$	9.279	$	7.205	$	6.175	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	11.288	$	12.428	$	11.647	$	10.321	$	10.289	$	9.279	$	7.205	$	6.175	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		N/A		N/A
Invesco V.I. Health Care Subaccount
Accumulation unit value at beginning of period	$	27.231	$	23.921	$	27.489	$	27.112	$	23.052	$	16.689	$	14.046	$	13.749	$	13.286	$	10.588
Accumulation unit value at end of period	$	27.002	$	27.231	$	23.921	$	27.489	$	27.112	$	23.052	$	16.689	$	14.046	$	13.749	$	13.286
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Global Real Estate Subaccount
Accumulation unit value at beginning of period	$	29.499	$	26.549	$	26.473	$	27.341	$	24.270	$	24.043	$	19.095	$	20.781	$	17.993	$	13.920
Accumulation unit value at end of period	$	27.205	$	29.499	$	26.549	$	26.473	$	27.341	$	24.270	$	24.043	$	19.095	$	20.781	$	17.993
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Managed Volatility Subaccount
Accumulation unit value at beginning of period	$	31.880	$	29.339	$	26.986	$	28.062	$	23.682	$	21.756	$	21.367	$	18.670	$	17.870	$	15.821
Accumulation unit value at end of period	$	27.882	$	31.880	$	29.339	$	26.986	$	28.062	$	23.682	$	21.756	$	21.367	$	18.670	$	17.870
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-39

JPMorgan Insurance Trust MidCap Value Subaccount
Accumulation unit value at beginning of period	$	28.736	$	25.700	$	22.798	$	23.830	$	21.065	$	16.200	$	13.694	$	13.638	$	11.240	$	8.942
Accumulation unit value at end of period	$	24.897	$	28.736	$	25.700	$	22.798	$	23.830	$	21.065	$	16.200	$	13.694	$	13.638	$	11.240
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust Small Cap Core Subaccount
Accumulation unit value at beginning of period	$	38.331	$	33.846	$	28.646	$	30.773	$	28.570	$	20.429	$	17.362	$	18.551	$	14.847	$	N/A
Accumulation unit value at end of period	$	33.174	$	38.331	$	33.846	$	28.646	$	30.773	$	28.570	$	20.429	$	17.362	$	18.551	$	14.847
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust US Equity Subaccount
Accumulation unit value at beginning of period	$	27.315	$	22.719	$	20.836	$	21.019	$	18.777	$	14.025	$	12.131	$	12.578	$	11.268	$	8.576
Accumulation unit value at end of period	$	25.188	$	27.315	$	22.719	$	20.836	$	21.019	$	18.777	$	14.025	$	12.131	$	12.578	$	11.268
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Balanced Subaccount
Accumulation unit value at beginning of period	$	67.944	$	58.371	$	56.777	$	57.414	$	53.838	$	45.591	$	40.830	$	40.873	$	38.370	$	31.013
Accumulation unit value at end of period	$	67.224	$	67.944	$	58.371	$	56.777	$	57.414	$	53.838	$	45.591	$	40.830	$	40.873	$	38.370
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Enterprise Subaccount
Accumulation unit value at beginning of period	$	87.718	$	70.042	$	63.424	$	62.034	$	56.095	$	43.116	$	37.404	$	38.606	$	31.213	$	21.929
Accumulation unit value at end of period	$	85.843	$	87.718	$	70.042	$	63.424	$	62.034	$	56.095	$	43.116	$	37.404	$	38.606	$	31.213
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Global Research Subaccount
Accumulation unit value at beginning of period	$	49.701	$	39.808	$	39.683	$	41.323	$	39.133	$	31.004	$	26.272	$	30.990	$	27.221	$	20.114
Accumulation unit value at end of period	$	45.487	$	49.701	$	39.808	$	39.683	$	41.323	$	39.133	$	31.004	$	26.272	$	30.990	$	27.221
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Research Subaccount
Accumulation unit value at beginning of period	$	49.770	$	39.598	$	40.089	$	38.720	$	34.867	$	27.219	$	23.355	$	25.094	$	22.296	$	16.638
Accumulation unit value at end of period	$	47.649	$	49.770	$	39.598	$	40.089	$	38.720	$	34.867	$	27.219	$	23.355	$	25.094	$	22.296
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Mid Cap Value Subaccount
Accumulation unit value at beginning of period	$	35.264	$	31.575	$	27.050	$	28.578	$	26.815	$	21.687	$	19.918	$	20.889	$	18.423	$	14.103
Accumulation unit value at end of period	$	29.864	$	35.264	$	31.575	$	27.050	$	28.578	$	26.815	$	21.687	$	19.918	$	20.889	$	18.423
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Capital Appreciation Subaccount
Accumulation unit value at beginning of period	$	24.077	$	19.365	$	20.193	$	19.896	$	17.584	$	13.824	$	12.360	$	12.751	$	11.887	$	8.390
Accumulation unit value at end of period	$	22.252	$	24.077	$	19.365	$	20.193	$	19.896	$	17.584	$	13.824	$	12.360	$	12.751	$	11.887
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Discovery Mid Cap Growth Subaccount
Accumulation unit value at beginning of period	$	27.330	$	21.647	$	21.577	$	19.905	$	14.933	$	13.081	$	N/A	$	N/A	$	N/A	$	8.390
Accumulation unit value at end of period	$	25.164	$	27.330	$	21.647	$	21.577	$	19.905	$	14.933	$	13.081	$	N/A	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Global Strategic Income Subaccount
Accumulation unit value at beginning of period	$	16.405	$	15.741	$	15.072	$	15.727	$	15.614	$	15.945	$	14.340	$	14.496	$	12.851	$	11.043
Accumulation unit value at end of period	$	15.390	$	16.405	$	15.741	$	15.072	$	15.727	$	15.614	$	15.945	$	14.340	$	14.496	$	12.851
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Global Subaccount
Accumulation unit value at beginning of period	$	36.383	$	27.155	$	26.672	$	27.159	$	27.077	$	21.695	$	18.252	$	20.302	$	17.853	$	13.036
Accumulation unit value at end of period	$	30.965	$	36.383	$	27.155	$	26.672	$	27.159	$	27.077	$	21.695	$	18.252	$	20.302	$	17.853
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Main Street Subaccount
Accumulation unit value at beginning of period	$	26.832	$	23.406	$	21.397	$	21.116	$	19.461	$	15.065	$	13.146	$	13.418	$	11.787	$	9.370
Accumulation unit value at end of period	$	24.233	$	26.832	$	23.406	$	21.397	$	21.116	$	19.461	$	15.065	$	13.146	$	13.418	$	11.787
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Main Street Small Cap Subaccount
Accumulation unit value at beginning of period	$	37.619	$	33.601	$	29.053	$	31.480	$	28.687	$	20.757	$	17.949	$	18.709	$	15.469	$	11.499
Accumulation unit value at end of period	$	33.072	$	37.619	$	33.601	$	29.053	$	31.480	$	28.687	$	20.757	$	17.949	$	18.709	$	15.469
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Voya Global Equity Subaccount
Accumulation unit value at beginning of period	$	12.516	$	10.317	$	9.925	$	10.671	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	11.179	$	12.516	$	10.317	$	9.925	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		N/A		N/A		N/A		N/A		N/A		N/A
VY JPMorgan Emerging Markets Equity Subaccount
Accumulation unit value at beginning of period	$	29.207	$	20.729	$	18.621	$	22.439	$	22.578	$	24.308	$	20.728	$	25.736	$	21.707	$	12.840
Accumulation unit value at end of period	$	23.942	$	29.207	$	20.729	$	18.621	$	22.439	$	22.578	$	24.308	$	20.728	$	25.736	$	21.707
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-40

Additional Contract Options Elected (0.55%)

Guaranteed Minimum Death Benefit and Guaranteed Retirement Income Benefit—7 year

(Separate Account Charges of 1.85% of the Daily Net Assets of the Separate Account)

Tax Qualified Periodic Payment Contracts—1.85%

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Alger Large Cap Growth Subaccount
Accumulation unit value at beginning of period	$	99.590	$	78.953	$	81.081	$	81.187	$	74.504	$	56.175	$	52.079	$	53.226	$	47.810	$	32.997
Accumulation unit value at end of period	$	99.928	$	99.590	$	78.953	$	81.081	$	81.187	$	74.504	$	56.175	$	52.079	$	53.226	$	47.810
Number of accumulation units outstanding at end of period (000’s omitted)		—		0		0		0		0		0		1		2		2		2
Alger MidCap Growth Subaccount
Accumulation unit value at beginning of period	$	59.992	$	47.074	$	47.480	$	49.127	$	46.325	$	34.733	$	30.442	$	33.802	$	28.837	$	19.360
Accumulation unit value at end of period	$	54.510	$	59.992	$	47.074	$	47.480	$	49.127	$	46.325	$	34.733	$	30.442	$	33.802	$	28.837
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		0		0		0		1		1		3		2
Alger Small Cap Growth Subaccount
Accumulation unit value at beginning of period	$	88.631	$	70.119	$	67.219	$	70.813	$	71.809	$	54.474	$	49.319	$	51.881	$	42.173	$	29.519
Accumulation unit value at end of period	$	88.261	$	88.631	$	70.119	$	67.219	$	70.813	$	71.809	$	54.474	$	49.319	$	51.881	$	42.173
Number of accumulation units outstanding at end of period (000’s omitted)		—		0		0		0		0		0		0		0		0		0
American Century VP Income & Growth Subaccount
Accumulation unit value at beginning of period	$	13.997	$	11.831	$	10.618	$	11.459	$	10.373	$	7.779	$	6.905	$	6.820	$	6.085	$	5.248
Accumulation unit value at end of period	$	12.798	$	13.997	$	11.831	$	10.618	$	11.459	$	10.373	$	7.779	$	6.905	$	6.820	$	6.085
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		1		1		1		1		2		10		4		4
American Century VP Value Subaccount
Accumulation unit value at beginning of period	$	18.786	$	17.594	$	14.872	$	15.760	$	14.194	$	10.975	$	9.756	$	9.837	$	8.833	$	7.505
Accumulation unit value at end of period	$	16.755	$	18.786	$	17.594	$	14.872	$	15.760	$	14.194	$	10.975	$	9.756	$	9.837	$	8.833
Number of accumulation units outstanding at end of period (000’s omitted)		0		1		1		1		1		2		2		2		2		2
DWS Bond VIP Subaccount (formerly Deutsche Bond VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	9.381	$	9.027	$	8.679	$	8.866	$	8.468	$	8.894	$	8.406	$	8.101	$	7.726	$	7.149
Accumulation unit value at end of period	$	8.965	$	9.381	$	9.027	$	8.679	$	8.866	$	8.468	$	8.894	$	8.406	$	8.101	$	7.726
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		0		0		0		4		—		—		—
DWS Capital Growth VIP Subaccount (formerly Deutsche Capital Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	47.083	$	37.967	$	37.093	$	34.781	$	31.357	$	23.719	$	20.817	$	22.194	$	19.368	$	15.549
Accumulation unit value at end of period	$	45.485	$	47.083	$	37.967	$	37.093	$	34.781	$	31.357	$	23.719	$	20.817	$	22.194	$	19.368
Number of accumulation units outstanding at end of period (000’s omitted)		—		0		0		0		0		0		0		0		0		0
DWS Core Equity VIP Subaccount (formerly Deutsche Core Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	24.271	$	20.425	$	18.829	$	18.221	$	16.595	$	12.308	$	10.825	$	11.040	$	9.829	$	7.463
Accumulation unit value at end of period	$	22.473	$	24.271	$	20.425	$	18.829	$	18.221	$	16.595	$	12.308	$	10.825	$	11.040	$	9.829
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		0		0		0		0		0		0		0
DWS CROCI® International VIP Subaccount (formerly Deutsche CROCI® International VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	14.044	$	11.728	$	11.857	$	12.776	$	14.748	$	12.493	$	10.548	$	12.892	$	12.920	$	9.856
Accumulation unit value at end of period	$	11.803	$	14.044	$	11.728	$	11.857	$	12.776	$	14.748	$	12.493	$	10.548	$	12.892	$	12.920
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		0		0		1		1		1		1		1

B-41

DWS CROCI® U.S. VIP Subaccount, name change as of 5/1/17 (formerly Deutsche CROCI® U.S. VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.406	$	2.823	$	3.007	$	3.289	$	3.025	$	2.354	$	2.184	$	2.226	$	2.047	$	1.663
Accumulation unit value at end of period	$	2.993	$	3.406	$	2.823	$	3.007	$	3.289	$	3.025	$	2.354	$	2.184	$	2.226	$	2.047
Number of accumulation units outstanding at end of period (000’s omitted)		1		2		6		6		8		8		12		16		14		14
DWS Global Equity VIP Subaccount (formerly Deutsche Global Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.041	$	2.497	$	2.396	$	2.484	$	2.501	$	2.135	$	1.853	$	2.147	$	1.971	$	1.552
Accumulation unit value at end of period	$	2.653	$	3.041	$	2.497	$	2.396	$	2.484	$	2.501	$	2.135	$	1.853	$	2.147	$	1.971
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		4		4		4		4		4		4		4		4
DWS Global Income Builder VIP Subaccount (formerly Deutsche Global Income Builder VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	11.277	$	9.855	$	9.397	$	9.711	$	9.525	$	8.318	$	7.499	$	7.748	$	7.095	$	5.854
Accumulation unit value at end of period	$	10.223	$	11.277	$	9.855	$	9.397	$	9.711	$	9.525	$	8.318	$	7.499	$	7.748	$	7.095
Number of accumulation units outstanding at end of period (000’s omitted)		—		0		0		0		0		0		3		3		4		4
DWS Government & Agency Securities VIP Subaccount (formerly Deutsche Government & Agency Securities VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	2.788	$	2.793	$	2.812	$	2.865	$	2.771	$	2.911	$	2.880	$	2.730	$	2.608	$	2.458
Accumulation unit value at end of period	$	2.752	$	2.788	$	2.793	$	2.812	$	2.865	$	2.771	$	2.911	$	2.880	$	2.730	$	2.608
Number of accumulation units outstanding at end of period (000’s omitted)		2		8		8		8		8		8		8		8		26		26
DWS Government Money Market VIP Subaccount (formerly Deutsche Government Money Market VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	2.364	$	2.397	$	2.440	$	2.485	$	2.530	$	2.577	$	2.624	$	2.672	$	2.722	$	2.763
Accumulation unit value at end of period	$	2.353	$	2.364	$	2.397	$	2.440	$	2.485	$	2.530	$	2.577	$	2.624	$	2.672	$	2.722
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		0		1		2		5		5
DWS High Income VIP Subaccount (formerly Deutsche High Income VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	12.373	$	11.722	$	10.577	$	11.273	$	11.315	$	10.679	$	9.465	$	9.284	$	8.294	$	6.035
Accumulation unit value at end of period	$	11.842	$	12.373	$	11.722	$	10.577	$	11.273	$	11.315	$	10.679	$	9.465	$	9.284	$	8.294
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Small Mid Cap Growth VIP Subaccount (formerly Deutsche Small Mid Cap Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.753	$	3.130	$	2.922	$	3.003	$	2.894	$	2.064	$	1.839	$	1.949	$	1.533	$	1.111
Accumulation unit value at end of period	$	3.184	$	3.753	$	3.130	$	2.922	$	3.003	$	2.894	$	2.064	$	1.839	$	1.949	$	1.533
Number of accumulation units outstanding at end of period (000’s omitted)		3		5		13		12		7		7		6		11		13		13
DWS Small Mid Cap Value VIP Subaccount (formerly Deutsche Small Mid Cap Value VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	4.439	$	4.091	$	3.564	$	3.701	$	3.572	$	2.690	$	2.408	$	2.612	$	2.161	$	1.697
Accumulation unit value at end of period	$	3.660	$	4.439	$	4.091	$	3.564	$	3.701	$	3.572	$	2.690	$	2.408	$	2.612	$	2.161
Number of accumulation units outstanding at end of period (000’s omitted)		5		3		13		13		13		12		12		11		12		13
Dreyfus Mid Cap Stock Subaccount
Accumulation unit value at beginning of period	$	31.431	$	27.826	$	24.600	$	25.701	$	23.422	$	17.710	$	15.115	$	15.364	$	12.326	$	9.277
Accumulation unit value at end of period	$	26.017	$	31.431	$	27.826	$	24.600	$	25.701	$	23.422	$	17.710	$	15.115	$	15.364	$	12.326
Number of accumulation units outstanding at end of period (000’s omitted)		—		0		0		0		0		0		2		3		1		1
Dreyfus Sustainable U.S Equity Portfolio
Accumulation unit value at beginning of period	$	49.664	$	43.855	$	40.467	$	42.576	$	38.221	$	28.976	$	26.357	$	26.604	$	23.600	$	17.970
Accumulation unit value at end of period	$	46.611	$	49.664	$	43.855	$	40.467	$	42.576	$	38.221	$	28.976	$	26.357	$	26.604	$	23.600
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Asset Manager Subaccount
Accumulation unit value at beginning of period	$	40.541	$	36.185	$	35.755	$	36.365	$	34.996	$	30.805	$	27.894	$	29.156	$	25.988	$	20.500
Accumulation unit value at end of period	$	37.671	$	40.541	$	36.185	$	35.755	$	36.365	$	34.996	$	30.805	$	27.894	$	29.156	$	25.988
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		0		0		0		0		0		1		1
Fidelity VIP Contrafund® Subaccount
Accumulation unit value at beginning of period	$	78.626	$	65.703	$	61.955	$	62.681	$	57.029	$	44.241	$	38.708	$	40.444	$	35.141	$	26.373
Accumulation unit value at end of period	$	72.268	$	78.626	$	65.703	$	61.955	$	62.681	$	57.029	$	44.241	$	38.708	$	40.444	$	35.141
Number of accumulation units outstanding at end of period (000’s omitted)		0		1		1		1		1		1		3		3		3		3
Fidelity VIP Equity Income Subaccount
Accumulation unit value at beginning of period	$	64.580	$	58.259	$	50.275	$	53.319	$	49.951	$	39.700	$	34.470	$	34.768	$	30.752	$	24.055
Accumulation unit value at end of period	$	58.143	$	64.580	$	58.259	$	50.275	$	53.319	$	49.951	$	39.700	$	34.470	$	34.768	$	30.752
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		1		2		2		3		3
Fidelity VIP Growth Subaccount
Accumulation unit value at beginning of period	$	110.412	$	83.212	$	84.074	$	79.897	$	73.115	$	54.620	$	48.507	$	49.303	$	40.439	$	32.105
Accumulation unit value at end of period	$	108.213	$	110.412	$	83.212	$	84.074	$	79.897	$	73.115	$	54.620	$	48.507	$	49.303	$	40.439
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		1		1		1		1		2		1		1		1
Fidelity VIP Index 500 Subaccount
Accumulation unit value at beginning of period	$	320.598	$	268.262	$	244.244	$	245.487	$	220.151	$	169.552	$	148.984	$	148.703	$	131.671	$	105.924
Accumulation unit value at end of period	$	300.604	$	320.598	$	268.262	$	244.244	$	245.487	$	220.151	$	169.552	$	148.984	$	148.703	$	131.671
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		0		0		0		0		0		0		0

B-42

Franklin Mutual Global Discovery VIP Subaccount
Accumulation unit value at beginning of period	$	31.036	$	29.106	$	26.425	$	27.934	$	26.914	$	21.480	$	19.300	$	20.256	$	18.427	$	15.219
Accumulation unit value at end of period	$	27.051	$	31.036	$	29.106	$	26.425	$	27.934	$	26.914	$	21.480	$	19.300	$	20.256	$	18.427
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		1		1		1		1		2		1		3		3
Franklin Mutual Shares VIP Subaccount
Accumulation unit value at beginning of period	$	23.092	$	21.706	$	19.048	$	20.407	$	19.403	$	15.407	$	13.737	$	14.137	$	12.949	$	10.463
Accumulation unit value at end of period	$	20.615	$	23.092	$	21.706	$	19.048	$	20.407	$	19.403	$	15.407	$	13.737	$	14.137	$	12.949
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		1		1		1		1		1
Franklin Rising Dividends VIP Subaccount
Accumulation unit value at beginning of period	$	28.599	$	24.160	$	21.204	$	22.414	$	20.997	$	16.490	$	15.001	$	14.413	$	12.168	$	10.561
Accumulation unit value at end of period	$	26.652	$	28.599	$	24.160	$	21.204	$	22.414	$	20.997	$	16.490	$	15.001	$	14.413	$	12.168
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		1		1		1		3		3
Franklin Small Cap Value VIP Subaccount
Accumulation unit value at beginning of period	$	36.198	$	33.317	$	26.063	$	28.663	$	29.027	$	21.700	$	18.670	$	19.757	$	15.693	$	12.376
Accumulation unit value at end of period	$	30.961	$	36.198	$	33.317	$	26.063	$	28.663	$	29.027	$	21.700	$	18.670	$	19.757	$	15.693
Number of accumulation units outstanding at end of period (000’s omitted)		—		0		1		1		1		1		1		3		1		1
Franklin Strategic Income VIP Subaccount
Accumulation unit value at beginning of period	$	17.544	$	17.089	$	16.124	$	17.084	$	17.082	$	16.839	$	15.212	$	15.104	$	13.869	$	11.233
Accumulation unit value at end of period	$	16.856	$	17.544	$	17.089	$	16.124	$	17.084	$	17.082	$	16.839	$	15.212	$	15.104	$	13.869
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		0		0		0		2		2		1		1
Franklin U.S. Government Securities VIP Subaccount
Accumulation unit value at beginning of period	$	11.799	$	11.858	$	11.997	$	12.161	$	11.981	$	12.482	$	12.478	$	12.025	$	11.633	$	11.493
Accumulation unit value at end of period	$	11.623	$	11.799	$	11.858	$	11.997	$	12.161	$	11.981	$	12.482	$	12.478	$	12.025	$	11.633
Number of accumulation units outstanding at end of period (000’s omitted)		1		0		0		0		0		0		2		2		2		2
Templeton Developing Markets VIP Subaccount
Accumulation unit value at beginning of period	$	32.199	$	23.355	$	20.253	$	25.658	$	28.526	$	29.324	$	26.394	$	31.948	$	27.672	$	16.329
Accumulation unit value at end of period	$	26.617	$	32.199	$	23.355	$	20.253	$	25.658	$	28.526	$	29.324	$	26.394	$	31.948	$	27.672
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Diversified Dividend Subaccount
Accumulation unit value at beginning of period	$	12.250	$	11.491	$	10.193	$	10.172	$	9.182	$	7.137	$	6.123	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	11.116	$	12.250	$	11.491	$	10.193	$	10.172	$	9.182	$	7.137	$	6.123	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		N/A		N/A
Invesco V.I. Health Care Subaccount
Accumulation unit value at beginning of period	$	26.842	$	23.602	$	27.149	$	26.803	$	22.812	$	16.531	$	13.927	$	13.646	$	13.199	$	10.529
Accumulation unit value at end of period	$	26.590	$	26.842	$	23.602	$	27.149	$	26.803	$	22.812	$	16.531	$	13.927	$	13.646	$	13.199
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		0		0		0		0		0		—		—
Invesco V.I. Global Real Estate Subaccount
Accumulation unit value at beginning of period	$	29.077	$	26.195	$	26.145	$	27.029	$	24.017	$	23.815	$	18.933	$	20.625	$	17.876	$	13.842
Accumulation unit value at end of period	$	26.790	$	29.077	$	26.195	$	26.145	$	27.029	$	24.017	$	23.815	$	18.933	$	20.625	$	17.876
Number of accumulation units outstanding at end of period (000’s omitted)		—		0		0		0		0		0		1		—		—		—
Invesco V.I. Managed Volatility Subaccount
Accumulation unit value at beginning of period	$	31.424	$	28.947	$	26.652	$	27.742	$	23.435	$	21.550	$	21.186	$	18.530	$	17.754	$	15.733
Accumulation unit value at end of period	$	27.456	$	31.424	$	28.947	$	26.652	$	27.742	$	23.435	$	21.550	$	21.186	$	18.530	$	17.754
Number of accumulation units outstanding at end of period (000’s omitted)		—		0		0		0		0		0		0		0		—		—

B-43

JPMorgan Insurance Trust MidCap Value Subaccount
Accumulation unit value at beginning of period	$	28.343	$	25.373	$	22.530	$	23.573	$	20.858	$	16.057	$	13.586	$	13.544	$	11.174	$	8.898
Accumulation unit value at end of period	$	24.531	$	28.343	$	25.373	$	22.530	$	23.573	$	20.858	$	16.057	$	13.586	$	13.544	$	11.174
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		0		0		0		1		0		—		—
JPMorgan Insurance Trust Small Cap Core Subaccount
Accumulation unit value at beginning of period	$	37.723	$	33.342	$	28.247	$	30.374	$	28.228	$	20.204	$	17.188	$	18.382	$	14.727	$	N/A
Accumulation unit value at end of period	$	32.616	$	37.723	$	33.342	$	28.247	$	30.374	$	28.228	$	20.204	$	17.188	$	18.382	$	14.727
Number of accumulation units outstanding at end of period (000’s omitted)		—		0		0		0		0		0		1		1		1		1
JPMorgan Insurance Trust US Equity Subaccount
Accumulation unit value at beginning of period	$	26.941	$	22.430	$	20.591	$	20.792	$	18.592	$	13.901	$	12.035	$	12.491	$	11.201	$	8.534
Accumulation unit value at end of period	$	24.819	$	26.941	$	22.430	$	20.591	$	20.792	$	18.592	$	13.901	$	12.035	$	12.491	$	11.201
Number of accumulation units outstanding at end of period (000’s omitted)		—		0		0		0		0		0		1		—		—		—
Janus Henderson Balanced Subaccount
Accumulation unit value at beginning of period	$	66.868	$	57.503	$	55.987	$	56.671	$	53.194	$	45.090	$	40.421	$	40.503	$	38.060	$	30.793
Accumulation unit value at end of period	$	66.094	$	66.868	$	57.503	$	55.987	$	56.671	$	53.194	$	45.090	$	40.421	$	40.503	$	38.060
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		1		1		1		1		1		1		3		3
Janus Henderson Enterprise Subaccount
Accumulation unit value at beginning of period	$	86.328	$	69.000	$	62.541	$	61.231	$	55.423	$	42.641	$	37.029	$	38.256	$	30.960	$	21.773
Accumulation unit value at end of period	$	84.399	$	86.328	$	69.000	$	62.541	$	61.231	$	55.423	$	42.641	$	37.029	$	38.256	$	30.960
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		0		0		0		0		0		0		0
Janus Henderson Global Research Subaccount
Accumulation unit value at beginning of period	$	48.913	$	39.216	$	39.131	$	40.788	$	38.664	$	30.663	$	26.008	$	30.709	$	27.001	$	19.971
Accumulation unit value at end of period	$	44.722	$	48.913	$	39.216	$	39.131	$	40.788	$	38.664	$	30.663	$	26.008	$	30.709	$	27.001
Number of accumulation units outstanding at end of period (000’s omitted)		0		0		0		0		0		0		1		1		1		1
Janus Henderson Mid Cap Value Subaccount
Accumulation unit value at beginning of period	$	34.759	$	31.154	$	26.716	$	28.252	$	26.536	$	21.482	$	19.749	$	20.732	$	18.303	$	14.025
Accumulation unit value at end of period	$	29.408	$	34.759	$	31.154	$	26.716	$	28.252	$	26.536	$	21.482	$	19.749	$	20.732	$	18.303
Number of accumulation units outstanding at end of period (000’s omitted)		—		0		0		0		0		0		0		0		0		0
Janus Henderson Research Subaccount
Accumulation unit value at beginning of period	$	48.982	$	39.009	$	39.531	$	38.219	$	34.449	$	26.920	$	23.121	$	24.866	$	22.115	$	16.519
Accumulation unit value at end of period	$	46.848	$	48.982	$	39.009	$	39.531	$	38.219	$	34.449	$	26.920	$	23.121	$	24.866	$	22.115
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		1		2		2		2		2
Oppenheimer Capital Appreciation Subaccount
Accumulation unit value at beginning of period	$	23.733	$	19.106	$	19.943	$	19.670	$	17.401	$	13.693	$	12.255	$	12.655	$	11.809	$	8.344
Accumulation unit value at end of period	$	21.912	$	23.733	$	19.106	$	19.943	$	19.670	$	17.401	$	13.693	$	12.255	$	12.655	$	11.809
Number of accumulation units outstanding at end of period (000’s omitted)		—		0		0		0		0		0		0		0		4		4
Oppenheimer Discovery Mid Cap Growth Subaccount
Accumulation unit value at beginning of period	$	26.939	$	21.359	$	21.310	$	19.698	$	14.792	$	12.970	$	N/A	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	24.780	$	26.939	$	21.359	$	21.310	$	19.698	$	14.792	$	12.970	$	N/A	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		N/A		N/A		N/A
Oppenheimer Global Strategic Income Subaccount
Accumulation unit value at beginning of period	$	16.171	$	15.531	$	14.885	$	15.548	$	15.451	$	15.795	$	14.218	$	14.387	$	12.767	$	10.982
Accumulation unit value at end of period	$	15.155	$	16.171	$	15.531	$	14.885	$	15.548	$	15.451	$	15.795	$	14.218	$	14.387	$	12.767
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		1		1		0		0		0
Oppenheimer Global Subaccount
Accumulation unit value at beginning of period	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	3.458	$	3.614	$	3.217	$	2.601
Accumulation unit value at end of period	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	3.836	$	3.458	$	3.614	$	3.217
Number of accumulation units outstanding at end of period (000’s omitted)		N/A		N/A		N/A		N/A		N/A		N/A		0		2		—		—
Oppenheimer Main Street Subaccount
Accumulation unit value at beginning of period	$	37.080	$	33.153	$	28.694	$	31.121	$	28.388	$	20.560	$	17.797	$	18.568	$	15.368	$	11.435
Accumulation unit value at end of period	$	32.567	$	37.080	$	33.153	$	28.694	$	31.121	$	28.388	$	20.560	$	17.797	$	18.568	$	15.368
Number of accumulation units outstanding at end of period (000’s omitted)		—		0		0		0		0		0		2		—		—		—
Oppenheimer Main Street Small Cap Subaccount
Accumulation unit value at beginning of period	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	14.792	$	12.970	$	13.100	$	10.492	$	8.080
Accumulation unit value at end of period	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	14.792	$	12.970	$	13.100	$	10.492
Number of accumulation units outstanding at end of period (000’s omitted)		N/A		N/A		N/A		N/A		N/A		—		—		—		—		—
Voya Global Equity Subaccount
Accumulation unit value at beginning of period	$	12.382	$	10.216	$	9.838	$	10.586	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	11.048	$	12.382	$	10.216	$	9.838	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		1		—		—		—		N/A		N/A		N/A		N/A		N/A		N/A
VY JPMorgan Emerging Markets Equity Subaccount
Accumulation unit value at beginning of period	$	28.863	$	20.504	$	18.438	$	22.239	$	22.400	$	24.140	$	20.604	$	25.607	$	21.620	$	12.801
Accumulation unit value at end of period	$	23.636	$	28.863	$	20.504	$	18.438	$	22.239	$	22.400	$	24.140	$	20.604	$	25.607	$	21.620
Number of accumulation units outstanding at end of period (000’s omitted)		—		0		0		1		1		1		1		0		0		0

B-44

Additional Contract Options Elected (0.55%)

Guaranteed Minimum Death Benefit and Guaranteed Retirement Income Benefit—7 year

(Separate Account Charges of 1.85% of the Daily Net Assets of the Separate Account)

Tax Nonqualified Periodic Payment Contracts—1.85%

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Alger Large Cap Growth Subaccount
Accumulation unit value at beginning of period	$	99.590	$	78.953	$	81.081	$	81.187	$	74.504	$	56.175	$	52.079	$	53.226	$	47.810	$	32.997
Accumulation unit value at end of period	$	99.928	$	99.590	$	78.953	$	81.081	$	81.187	$	74.504	$	56.175	$	52.079	$	53.226	$	47.810
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Alger MidCap Growth Subaccount
Accumulation unit value at beginning of period	$	59.992	$	47.074	$	47.480	$	49.127	$	46.325	$	34.733	$	30.442	$	33.802	$	28.837	$	19.360
Accumulation unit value at end of period	$	54.510	$	59.992	$	47.074	$	47.480	$	49.127	$	46.325	$	34.733	$	30.442	$	33.802	$	28.837
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Alger Small Cap Growth Subaccount
Accumulation unit value at beginning of period	$	88.631	$	70.119	$	67.219	$	70.813	$	71.809	$	54.474	$	49.319	$	51.881	$	42.173	$	29.519
Accumulation unit value at end of period	$	88.261	$	88.631	$	70.119	$	67.219	$	70.813	$	71.809	$	54.474	$	49.319	$	51.881	$	42.173
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
American Century VP Income & Growth Subaccount
Accumulation unit value at beginning of period	$	13.997	$	11.831	$	10.618	$	11.459	$	10.373	$	7.779	$	6.905	$	6.820	$	6.085	$	5.248
Accumulation unit value at end of period	$	12.798	$	13.997	$	11.831	$	10.618	$	11.459	$	10.373	$	7.779	$	6.905	$	6.820	$	6.085
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
American Century VP Value Subaccount
Accumulation unit value at beginning of period	$	18.786	$	17.594	$	14.872	$	15.760	$	14.194	$	10.975	$	9.756	$	9.837	$	8.833	$	7.505
Accumulation unit value at end of period	$	16.755	$	18.786	$	17.594	$	14.872	$	15.760	$	14.194	$	10.975	$	9.756	$	9.837	$	8.833
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Bond VIP Subaccount (formerly Deutsche Bond VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	9.381	$	9.027	$	8.679	$	8.866	$	8.468	$	8.894	$	8.406	$	8.101	$	7.726	$	7.149
Accumulation unit value at end of period	$	8.965	$	9.381	$	9.027	$	8.679	$	8.866	$	8.468	$	8.894	$	8.406	$	8.101	$	7.726
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Capital Growth VIP Subaccount (formerly Deutsche Capital Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	47.083	$	37.967	$	37.093	$	34.781	$	31.357	$	23.719	$	20.817	$	22.194	$	19.368	$	15.549
Accumulation unit value at end of period	$	45.485	$	47.083	$	37.967	$	37.093	$	34.781	$	31.357	$	23.719	$	20.817	$	22.194	$	19.368
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Core Equity VIP Subaccount (formerly Deutsche Core Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	24.271	$	20.425	$	18.829	$	18.221	$	16.595	$	12.308	$	10.825	$	11.040	$	9.829	$	7.463
Accumulation unit value at end of period	$	22.473	$	24.271	$	20.425	$	18.829	$	18.221	$	16.595	$	12.308	$	10.825	$	11.040	$	9.829
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS CROCI® International VIP Subaccount (formerly Deutsche CROCI® International VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	14.044	$	11.728	$	11.857	$	12.776	$	14.748	$	12.493	$	10.548	$	12.892	$	12.920	$	9.856
Accumulation unit value at end of period	$	11.803	$	14.044	$	11.728	$	11.857	$	12.776	$	14.748	$	12.493	$	10.548	$	12.892	$	12.920
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-45

DWS CROCI® U.S. VIP Subaccount, name change as of 5/1/17 (formerly Deutsche CROCI® U.S. VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.406	$	2.823	$	3.007	$	3.289	$	3.025	$	2.354	$	2.184	$	2.226	$	2.047	$	1.663
Accumulation unit value at end of period	$	2.993	$	3.406	$	2.823	$	3.007	$	3.289	$	3.025	$	2.354	$	2.184	$	2.226	$	2.047
Number of accumulation units outstanding at end of period (000’s omitted)		1		1		1		1		1		1		5		5		5		5
DWS Global Equity VIP Subaccount (formerly Deutsche Global Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.041	$	2.497	$	2.396	$	2.484	$	2.501	$	2.135	$	1.853	$	2.147	$	1.971	$	1.552
Accumulation unit value at end of period	$	2.653	$	3.041	$	2.497	$	2.396	$	2.484	$	2.501	$	2.135	$	1.853	$	2.147	$	1.971
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Global Income Builder VIP Subaccount (formerly Deutsche Global Income Builder VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	10.507	$	9.182	$	8.755	$	9.048	$	8.875	$	8.318	$	6.987	$	7.219	$	6.611	$	5.455
Accumulation unit value at end of period	$	9.525	$	10.507	$	9.182	$	8.755	$	9.048	$	8.875	$	8.318	$	6.987	$	7.219	$	6.611
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Government & Agency Securities VIP Subaccount (formerly Deutsche Government & Agency Securities VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	2.788	$	2.793	$	2.812	$	2.865	$	2.771	$	2.911	$	2.880	$	2.730	$	2.608	$	2.458
Accumulation unit value at end of period	$	2.752	$	2.788	$	2.793	$	2.812	$	2.865	$	2.771	$	2.911	$	2.880	$	2.730	$	2.608
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Government Money Market VIP Subaccount (formerly Deutsche Government Money Market VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	2.364	$	2.397	$	2.440	$	2.485	$	2.530	$	2.577	$	2.624	$	2.672	$	2.722	$	2.763
Accumulation unit value at end of period	$	2.353	$	2.364	$	2.397	$	2.440	$	2.485	$	2.530	$	2.577	$	2.624	$	2.672	$	2.722
Number of accumulation units outstanding at end of period (000’s omitted)		—		0		0		0		0		0		1		10		10		10
DWS High Income VIP Subaccount (formerly Deutsche High Income VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	12.054	$	11.419	$	10.304	$	10.982	$	11.022	$	10.679	$	9.221	$	9.044	$	8.080	$	5.879
Accumulation unit value at end of period	$	11.536	$	12.054	$	11.419	$	10.304	$	10.982	$	11.022	$	10.679	$	9.221	$	9.044	$	8.080
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Small Mid Cap Growth VIP Subaccount (formerly Deutsche Small Mid Cap Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.753	$	3.130	$	2.922	$	3.003	$	2.894	$	2.064	$	1.839	$	1.949	$	1.533	$	1.111
Accumulation unit value at end of period	$	3.184	$	3.753	$	3.130	$	2.922	$	3.003	$	2.894	$	2.064	$	1.839	$	1.949	$	1.533
Number of accumulation units outstanding at end of period (000’s omitted)		2		2		2		2		—		—		—		—		—		—
DWS Small Mid Cap Value VIP Subaccount (formerly Deutsche Small Mid Cap Value VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	4.439	$	4.091	$	3.564	$	3.701	$	3.572	$	2.690	$	2.408	$	2.612	$	2.161	$	1.697
Accumulation unit value at end of period	$	3.660	$	4.439	$	4.091	$	3.564	$	3.701	$	3.572	$	2.690	$	2.408	$	2.612	$	2.161
Number of accumulation units outstanding at end of period (000’s omitted)		2		2		6		6		6		6		6		12		12		11
Dreyfus Mid Cap Stock Subaccount
Accumulation unit value at beginning of period	$	31.431	$	27.826	$	24.600	$	25.701	$	23.422	$	17.710	$	15.115	$	15.364	$	12.326	$	9.277
Accumulation unit value at end of period	$	26.017	$	31.431	$	27.826	$	24.600	$	25.701	$	23.422	$	17.710	$	15.115	$	15.364	$	12.326
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Dreyfus Sustainable U.S Equity Portfolio
Accumulation unit value at beginning of period	$	49.664	$	43.855	$	40.467	$	42.576	$	38.221	$	28.976	$	26.357	$	26.604	$	23.600	$	17.970
Accumulation unit value at end of period	$	46.611	$	49.664	$	43.855	$	40.467	$	42.576	$	38.221	$	28.976	$	26.357	$	26.604	$	23.600
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Asset Manager Subaccount
Accumulation unit value at beginning of period	$	40.541	$	36.185	$	35.755	$	36.365	$	34.996	$	30.805	$	27.894	$	29.156	$	25.988	$	20.500
Accumulation unit value at end of period	$	37.671	$	40.541	$	36.185	$	35.755	$	36.365	$	34.996	$	30.805	$	27.894	$	29.156	$	25.988
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Contrafund® Subaccount
Accumulation unit value at beginning of period	$	78.626	$	65.703	$	61.955	$	62.681	$	57.029	$	44.241	$	38.708	$	40.444	$	35.141	$	26.373
Accumulation unit value at end of period	$	72.268	$	78.626	$	65.703	$	61.955	$	62.681	$	57.029	$	44.241	$	38.708	$	40.444	$	35.141
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Equity Income Subaccount
Accumulation unit value at beginning of period	$	64.580	$	58.259	$	50.275	$	53.319	$	49.951	$	39.700	$	34.470	$	34.768	$	30.752	$	24.055
Accumulation unit value at end of period	$	58.143	$	64.580	$	58.259	$	50.275	$	53.319	$	49.951	$	39.700	$	34.470	$	34.768	$	30.752
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Growth Subaccount
Accumulation unit value at beginning of period	$	110.412	$	83.212	$	84.074	$	79.897	$	73.115	$	54.620	$	48.507	$	49.303	$	40.439	$	32.105
Accumulation unit value at end of period	$	108.213	$	110.412	$	83.212	$	84.074	$	79.897	$	73.115	$	54.620	$	48.507	$	49.303	$	40.439
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Index 500 Subaccount
Accumulation unit value at beginning of period	$	320.598	$	268.262	$	244.244	$	245.487	$	220.151	$	169.552	$	148.984	$	148.703	$	131.671	$	105.924
Accumulation unit value at end of period	$	300.604	$	320.598	$	268.262	$	244.244	$	245.487	$	220.151	$	169.552	$	148.984	$	148.703	$	131.671
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-46

Franklin Mutual Global Discovery VIP Subaccount
Accumulation unit value at beginning of period	$	31.036	$	29.106	$	26.425	$	27.934	$	26.914	$	21.480	$	19.300	$	20.256	$	18.427	$	15.219
Accumulation unit value at end of period	$	27.051	$	31.036	$	29.106	$	26.425	$	27.934	$	26.914	$	21.480	$	19.300	$	20.256	$	18.427
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Mutual Shares VIP Subaccount
Accumulation unit value at beginning of period	$	23.092	$	21.706	$	19.048	$	20.407	$	19.403	$	15.407	$	13.737	$	14.137	$	12.949	$	10.463
Accumulation unit value at end of period	$	20.615	$	23.092	$	21.706	$	19.048	$	20.407	$	19.403	$	15.407	$	13.737	$	14.137	$	12.949
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Rising Dividends VIP Subaccount
Accumulation unit value at beginning of period	$	28.599	$	24.160	$	21.204	$	22.414	$	20.997	$	16.490	$	15.001	$	14.413	$	12.168	$	10.561
Accumulation unit value at end of period	$	26.652	$	28.599	$	24.160	$	21.204	$	22.414	$	20.997	$	16.490	$	15.001	$	14.413	$	12.168
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Small Cap Value VIP Subaccount
Accumulation unit value at beginning of period	$	36.198	$	33.317	$	26.063	$	28.663	$	29.027	$	21.700	$	18.670	$	19.757	$	15.693	$	12.376
Accumulation unit value at end of period	$	30.961	$	36.198	$	33.317	$	26.063	$	28.663	$	29.027	$	21.700	$	18.670	$	19.757	$	15.693
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Strategic Income VIP Subaccount
Accumulation unit value at beginning of period	$	17.544	$	17.089	$	16.124	$	17.084	$	17.082	$	16.839	$	15.212	$	15.104	$	13.869	$	11.233
Accumulation unit value at end of period	$	16.856	$	17.544	$	17.089	$	16.124	$	17.084	$	17.082	$	16.839	$	15.212	$	15.104	$	13.869
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin U.S. Government Securities VIP Subaccount
Accumulation unit value at beginning of period	$	11.799	$	11.858	$	11.997	$	12.161	$	11.981	$	12.482	$	12.478	$	12.025	$	11.633	$	11.493
Accumulation unit value at end of period	$	11.623	$	11.799	$	11.858	$	11.997	$	12.161	$	11.981	$	12.482	$	12.478	$	12.025	$	11.633
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Templeton Developing Markets VIP Subaccount
Accumulation unit value at beginning of period	$	32.199	$	23.355	$	20.253	$	25.658	$	28.526	$	29.324	$	26.394	$	31.948	$	27.672	$	16.329
Accumulation unit value at end of period	$	26.617	$	32.199	$	23.355	$	20.253	$	25.658	$	28.526	$	29.324	$	26.394	$	31.948	$	27.672
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Diversified Dividend Subaccount
Accumulation unit value at beginning of period	$	12.250	$	11.491	$	10.193	$	10.172	$	9.182	$	7.137	$	6.123	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	11.116	$	12.250	$	11.491	$	10.193	$	10.172	$	9.182	$	7.137	$	6.123	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		N/A		N/A
Invesco V.I. Health Care Subaccount
Accumulation unit value at beginning of period	$	26.842	$	23.602	$	27.149	$	26.803	$	22.812	$	16.531	$	13.927	$	13.646	$	13.199	$	10.529
Accumulation unit value at end of period	$	26.590	$	26.842	$	23.602	$	27.149	$	26.803	$	22.812	$	16.531	$	13.927	$	13.646	$	13.199
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Global Real Estate Subaccount
Accumulation unit value at beginning of period	$	29.077	$	26.195	$	26.145	$	27.029	$	24.017	$	23.815	$	18.933	$	20.625	$	17.876	$	13.842
Accumulation unit value at end of period	$	26.790	$	29.077	$	26.195	$	26.145	$	27.029	$	24.017	$	23.815	$	18.933	$	20.625	$	17.876
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Managed Volatility Subaccount
Accumulation unit value at beginning of period	$	31.424	$	28.947	$	26.652	$	27.742	$	23.435	$	21.550	$	21.186	$	18.530	$	17.754	$	15.733
Accumulation unit value at end of period	$	27.456	$	31.424	$	28.947	$	26.652	$	27.742	$	23.435	$	21.550	$	21.186	$	18.530	$	17.754
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-47

JPMorgan Insurance Trust MidCap Value Subaccount
Accumulation unit value at beginning of period	$	28.343	$	25.373	$	22.530	$	23.573	$	20.858	$	16.057	$	13.586	$	13.544	$	11.174	$	8.898
Accumulation unit value at end of period	$	24.531	$	28.343	$	25.373	$	22.530	$	23.573	$	20.858	$	16.057	$	13.586	$	13.544	$	11.174
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust Small Cap Core Subaccount
Accumulation unit value at beginning of period	$	37.723	$	33.342	$	28.247	$	30.374	$	28.228	$	20.204	$	17.188	$	18.382	$	14.727	$	N/A
Accumulation unit value at end of period	$	32.616	$	37.723	$	33.342	$	28.247	$	30.374	$	28.228	$	20.204	$	17.188	$	18.382	$	14.727
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust US Equity Subaccount
Accumulation unit value at beginning of period	$	26.941	$	22.430	$	20.591	$	20.792	$	18.592	$	13.901	$	12.035	$	12.491	$	11.201	$	8.534
Accumulation unit value at end of period	$	24.819	$	26.941	$	22.430	$	20.591	$	20.792	$	18.592	$	13.901	$	12.035	$	12.491	$	11.201
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Balanced Subaccount
Accumulation unit value at beginning of period	$	66.868	$	57.503	$	55.987	$	56.671	$	53.194	$	45.090	$	40.421	$	40.503	$	38.060	$	30.793
Accumulation unit value at end of period	$	66.094	$	66.868	$	57.503	$	55.987	$	56.671	$	53.194	$	45.090	$	40.421	$	40.503	$	38.060
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Enterprise Subaccount
Accumulation unit value at beginning of period	$	86.328	$	69.000	$	62.541	$	61.231	$	55.423	$	42.641	$	37.029	$	38.256	$	30.960	$	21.773
Accumulation unit value at end of period	$	84.399	$	86.328	$	69.000	$	62.541	$	61.231	$	55.423	$	42.641	$	37.029	$	38.256	$	30.960
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Global Research Subaccount
Accumulation unit value at beginning of period	$	48.913	$	39.216	$	39.131	$	40.788	$	38.664	$	30.663	$	26.008	$	30.709	$	27.001	$	19.971
Accumulation unit value at end of period	$	44.722	$	48.913	$	39.216	$	39.131	$	40.788	$	38.664	$	30.663	$	26.008	$	30.709	$	27.001
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Mid Cap Value Subaccount
Accumulation unit value at beginning of period	$	34.759	$	31.154	$	26.716	$	28.252	$	26.536	$	21.482	$	19.749	$	20.732	$	18.303	$	14.025
Accumulation unit value at end of period	$	29.408	$	34.759	$	31.154	$	26.716	$	28.252	$	26.536	$	21.482	$	19.749	$	20.732	$	18.303
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Research Subaccount
Accumulation unit value at beginning of period	$	48.982	$	39.009	$	39.531	$	38.219	$	34.449	$	26.920	$	23.121	$	24.866	$	22.115	$	16.519
Accumulation unit value at end of period	$	46.848	$	48.982	$	39.009	$	39.531	$	38.219	$	34.449	$	26.920	$	23.121	$	24.866	$	22.115
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Capital Appreciation Subaccount
Accumulation unit value at beginning of period	$	23.733	$	19.106	$	19.943	$	19.670	$	17.401	$	13.693	$	12.255	$	12.655	$	11.809	$	8.344
Accumulation unit value at end of period	$	21.912	$	23.733	$	19.106	$	19.943	$	19.670	$	17.401	$	13.693	$	12.255	$	12.655	$	11.809
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Discovery Mid Cap Growth Subaccount
Accumulation unit value at beginning of period	$	26.939	$	21.359	$	21.310	$	19.698	$	14.792	$	12.970	$	N/A	$	N/A	$	N/A	$	8.344
Accumulation unit value at end of period	$	24.780	$	26.939	$	21.359	$	21.310	$	19.698	$	14.792	$	12.970	$	N/A	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Global Strategic Income Subaccount
Accumulation unit value at beginning of period	$	16.171	$	15.531	$	14.885	$	15.548	$	15.451	$	15.795	$	14.218	$	14.387	$	12.767	$	10.982
Accumulation unit value at end of period	$	15.155	$	16.171	$	15.531	$	14.885	$	15.548	$	15.451	$	15.795	$	14.218	$	14.387	$	12.767
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Global Subaccount
Accumulation unit value at beginning of period	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	3.836	$	3.458	$	3.614	$	3.217	$	10.982
Accumulation unit value at end of period	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	3.836	$	3.458	$	3.614	$	3.217
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Main Street Subaccount
Accumulation unit value at beginning of period	$	26.448	$	23.094	$	21.133	$	20.875	$	19.258	$	14.923	$	13.034	$	13.317	$	11.710	$	9.318
Accumulation unit value at end of period	$	23.863	$	26.448	$	23.094	$	21.133	$	20.875	$	19.258	$	14.923	$	13.034	$	13.317	$	11.710
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Main Street Small Cap Subaccount
Accumulation unit value at beginning of period	$	37.080	$	33.153	$	28.694	$	31.121	$	28.388	$	20.560	$	17.797	$	18.568	$	15.368	$	11.435
Accumulation unit value at end of period	$	32.567	$	37.080	$	33.153	$	28.694	$	31.121	$	28.388	$	20.560	$	17.797	$	18.568	$	15.368
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Voya Global Equity Subaccount
Accumulation unit value at beginning of period	$	N/A	$	N/A	$	N/A	$	10.586	$	12.559	$	11.259	$	11.804	$	13.233	$	N/A	$	N/A
Accumulation unit value at end of period	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	12.559	$	11.259	$	11.804	$	13.233	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		N/A		N/A		N/A		N/A		N/A		N/A
VY JPMorgan Emerging Markets Equity Subaccount
Accumulation unit value at beginning of period	$	12.382	$	10.216	$	9.838	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	21.620	$	12.801
Accumulation unit value at end of period	$	11.048	$	12.382	$	10.216	$	9.838	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	21.620
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-48

Additional Contract Options Elected (0.65%)

Guaranteed Minimum Death Benefit, Earnings Based Death Benefit and Guaranteed Retirement  Income Benefit—10 year

(Separate Account Charges of 1.95% of the Daily Net Assets of the Separate  Account)

Tax Qualified Periodic Payment Contracts—1.95%

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Alger Large Cap Growth Subaccount
Accumulation unit value at beginning of period	$	98.014	$	77.779	$	79.954	$	80.137	$	73.613	$	55.557	$	51.557	$	52.744	$	47.423	$	32.762
Accumulation unit value at end of period	$	98.250	$	98.014	$	77.779	$	79.954	$	80.137	$	73.613	$	55.557	$	51.557	$	52.744	$	47.423
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Alger MidCap Growth Subaccount
Accumulation unit value at beginning of period	$	59.042	$	46.374	$	46.820	$	48.492	$	45.770	$	34.351	$	30.137	$	33.496	$	28.604	$	19.223
Accumulation unit value at end of period	$	53.594	$	59.042	$	46.374	$	46.820	$	48.492	$	45.770	$	34.351	$	30.137	$	33.496	$	28.604
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Alger Small Cap Growth Subaccount
Accumulation unit value at beginning of period	$	87.228	$	69.077	$	66.285	$	69.897	$	70.950	$	53.875	$	48.825	$	51.412	$	41.832	$	29.310
Accumulation unit value at end of period	$	86.778	$	87.228	$	69.077	$	66.285	$	69.897	$	70.950	$	53.875	$	48.825	$	51.412	$	41.832
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
American Century VP Income & Growth Subaccount
Accumulation unit value at beginning of period	$	13.776	$	11.656	$	10.470	$	11.310	$	10.249	$	7.693	$	6.836	$	6.758	$	6.036	$	5.211
Accumulation unit value at end of period	$	12.583	$	13.776	$	11.656	$	10.470	$	11.310	$	10.249	$	7.693	$	6.836	$	6.758	$	6.036
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
American Century VP Value Subaccount
Accumulation unit value at beginning of period	$	18.489	$	17.332	$	14.666	$	15.556	$	14.025	$	10.854	$	9.659	$	9.748	$	8.762	$	7.452
Accumulation unit value at end of period	$	16.474	$	18.489	$	17.332	$	14.666	$	15.556	$	14.025	$	10.854	$	9.659	$	9.748	$	8.762
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Bond VIP Subaccount (formerly Deutsche Bond VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	9.232	$	8.893	$	8.559	$	8.751	$	8.367	$	8.797	$	8.332	$	8.027	$	7.663	$	7.098
Accumulation unit value at end of period	$	8.814	$	9.232	$	8.893	$	8.559	$	8.751	$	8.367	$	8.797	$	8.332	$	8.027	$	7.663
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Capital Growth VIP Subaccount (formerly Deutsche Capital Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	46.338	$	37.402	$	36.577	$	34.331	$	30.982	$	23.458	$	20.609	$	21.993	$	19.212	$	15.438
Accumulation unit value at end of period	$	44.721	$	46.338	$	37.402	$	36.577	$	34.331	$	30.982	$	23.458	$	20.609	$	21.993	$	19.212
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Core Equity VIP Subaccount (formerly Deutsche Core Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	23.971	$	20.192	$	18.632	$	18.049	$	16.455	$	12.216	$	10.754	$	10.979	$	9.784	$	7.436
Accumulation unit value at end of period	$	22.173	$	23.971	$	20.192	$	18.632	$	18.049	$	16.455	$	12.216	$	10.754	$	10.979	$	9.784
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS CROCI® International VIP Subaccount (formerly Deutsche CROCI® International VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	13.822	$	11.553	$	11.692	$	12.611	$	14.572	$	12.356	$	10.442	$	12.775	$	12.816	$	9.786
Accumulation unit value at end of period	$	11.605	$	13.822	$	11.553	$	11.692	$	12.611	$	14.572	$	12.356	$	10.442	$	12.775	$	12.816
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-49

DWS CROCI® U.S. VIP Subaccount (formerly Deutsche CROCI® U.S. VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.352	$	2.781	$	2.965	$	3.246	$	2.989	$	2.328	$	2.162	$	2.206	$	2.030	$	1.651
Accumulation unit value at end of period	$	2.943	$	3.352	$	2.781	$	2.965	$	3.246	$	2.989	$	2.328	$	2.162	$	2.206	$	2.030
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Global Equity VIP Subaccount (formerly Deutsche Global Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	2.993	$	2.459	$	2.363	$	2.452	$	2.472	$	2.112	$	1.835	$	2.127	$	1.955	$	1.541
Accumulation unit value at end of period	$	2.609	$	2.993	$	2.459	$	2.363	$	2.452	$	2.472	$	2.112	$	1.835	$	2.127	$	1.955
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Global Income Builder VIP Subaccount (formerly Deutsche Global Income Builder VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	11.099	$	9.709	$	9.266	$	9.585	$	9.411	$	8.227	$	7.424	$	7.678	$	7.038	$	5.813
Accumulation unit value at end of period	$	10.051	$	11.099	$	9.709	$	9.266	$	9.585	$	9.411	$	8.227	$	7.424	$	7.678	$	7.038
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Government & Agency Securities VIP Subaccount (formerly Deutsche Government & Agency Securities VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	2.744	$	2.751	$	2.773	$	2.828	$	2.738	$	2.879	$	2.852	$	2.705	$	2.587	$	2.440
Accumulation unit value at end of period	$	2.706	$	2.744	$	2.751	$	2.773	$	2.828	$	2.738	$	2.879	$	2.852	$	2.705	$	2.587
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Government Money Market VIP Subaccount (formerly Deutsche Government Money Market VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	2.327	$	2.361	$	2.406	$	2.452	$	2.500	$	2.548	$	2.598	$	2.648	$	2.700	$	2.743
Accumulation unit value at end of period	$	2.314	$	2.327	$	2.361	$	2.406	$	2.452	$	2.500	$	2.548	$	2.598	$	2.648	$	2.700
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS High Income VIP Subaccount (formerly Deutsche High Income VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	12.178	$	11.547	$	10.430	$	11.127	$	11.180	$	10.562	$	9.371	$	9.200	$	8.227	$	5.992
Accumulation unit value at end of period	$	11.643	$	12.178	$	11.547	$	10.430	$	11.127	$	11.180	$	10.562	$	9.371	$	9.200	$	8.227
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Small Mid Cap Growth VIP Subaccount (formerly Deutsche Small Mid Cap Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.693	$	3.083	$	2.882	$	2.964	$	2.859	$	2.042	$	1.820	$	1.931	$	1.521	$	1.103
Accumulation unit value at end of period	$	3.130	$	3.693	$	3.083	$	2.882	$	2.964	$	2.859	$	2.042	$	1.820	$	1.931	$	1.521
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Small Mid Cap Value VIP Subaccount (formerly Deutsche Small Mid Cap Value VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	4.369	$	4.030	$	3.515	$	3.653	$	3.529	$	2.660	$	2.384	$	2.588	$	2.144	$	1.685
Accumulation unit value at end of period	$	3.599	$	4.369	$	4.030	$	3.515	$	3.653	$	3.529	$	2.660	$	2.384	$	2.588	$	2.144
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Dreyfus Mid Cap Stock Subaccount
Accumulation unit value at beginning of period	$	30.982	$	27.455	$	24.295	$	25.409	$	23.178	$	17.543	$	14.987	$	15.248	$	12.246	$	9.225
Accumulation unit value at end of period	$	25.620	$	30.982	$	27.455	$	24.295	$	25.409	$	23.178	$	17.543	$	14.987	$	15.248	$	12.246
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Dreyfus Sustainable U.S Equity Portfolio
Accumulation unit value at beginning of period	$	48.878	$	43.204	$	39.904	$	42.025	$	37.764	$	28.658	$	26.093	$	26.363	$	23.409	$	17.843
Accumulation unit value at end of period	$	45.828	$	48.878	$	43.204	$	39.904	$	42.025	$	37.764	$	28.658	$	26.093	$	26.363	$	23.409
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Asset Manager Subaccount
Accumulation unit value at beginning of period	$	39.900	$	35.647	$	35.258	$	35.895	$	34.577	$	30.466	$	27.615	$	28.892	$	25.778	$	20.355
Accumulation unit value at end of period	$	37.039	$	39.900	$	35.647	$	35.258	$	35.895	$	34.577	$	30.466	$	27.615	$	28.892	$	25.778
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Contrafund® Subaccount
Accumulation unit value at beginning of period	$	77.382	$	64.726	$	61.094	$	61.870	$	56.347	$	43.755	$	38.320	$	40.078	$	34.857	$	26.186
Accumulation unit value at end of period	$	71.054	$	77.382	$	64.726	$	61.094	$	61.870	$	56.347	$	43.755	$	38.320	$	40.078	$	34.857
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Equity Income Subaccount
Accumulation unit value at beginning of period	$	63.558	$	57.393	$	49.576	$	52.630	$	49.353	$	39.263	$	34.124	$	34.454	$	30.504	$	23.884
Accumulation unit value at end of period	$	57.166	$	63.558	$	57.393	$	49.576	$	52.630	$	49.353	$	39.263	$	34.124	$	34.454	$	30.504
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Growth Subaccount
Accumulation unit value at beginning of period	$	108.665	$	81.975	$	82.906	$	78.864	$	72.240	$	54.019	$	48.021	$	48.857	$	40.112	$	31.877
Accumulation unit value at end of period	$	106.395	$	108.665	$	81.975	$	82.906	$	78.864	$	72.240	$	54.019	$	48.021	$	48.857	$	40.112
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Index 500 Subaccount
Accumulation unit value at beginning of period	$	315.524	$	264.274	$	240.849	$	242.312	$	217.517	$	167.688	$	147.492	$	147.357	$	130.607	$	105.172
Accumulation unit value at end of period	$	295.555	$	315.524	$	264.274	$	240.849	$	242.312	$	217.517	$	167.688	$	147.492	$	147.357	$	130.607
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-50

Franklin Mutual Global Discovery VIP Subaccount
Accumulation unit value at beginning of period	$	30.592	$	28.718	$	26.099	$	27.616	$	26.634	$	21.277	$	19.137	$	20.104	$	18.307	$	15.135
Accumulation unit value at end of period	$	26.638	$	30.592	$	28.718	$	26.099	$	27.616	$	26.634	$	21.277	$	19.137	$	20.104	$	18.307
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Mutual Shares VIP Subaccount
Accumulation unit value at beginning of period	$	22.762	$	21.417	$	18.812	$	20.175	$	19.201	$	15.262	$	13.620	$	14.031	$	12.865	$	10.405
Accumulation unit value at end of period	$	20.300	$	22.762	$	21.417	$	18.812	$	20.175	$	19.201	$	15.262	$	13.620	$	14.031	$	12.865
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Rising Dividends VIP Subaccount
Accumulation unit value at beginning of period	$	28.191	$	23.838	$	20.942	$	22.159	$	20.778	$	16.334	$	14.874	$	14.305	$	12.088	$	10.502
Accumulation unit value at end of period	$	26.245	$	28.191	$	23.838	$	20.942	$	22.159	$	20.778	$	16.334	$	14.874	$	14.305	$	12.088
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Small Cap Value VIP Subaccount
Accumulation unit value at beginning of period	$	35.680	$	32.873	$	25.741	$	28.336	$	28.725	$	21.495	$	18.512	$	19.609	$	15.591	$	12.307
Accumulation unit value at end of period	$	30.488	$	35.680	$	32.873	$	25.741	$	28.336	$	28.725	$	21.495	$	18.512	$	19.609	$	15.591
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Strategic Income VIP Subaccount
Accumulation unit value at beginning of period	$	17.294	$	16.861	$	15.925	$	16.889	$	16.904	$	16.680	$	15.083	$	14.990	$	13.779	$	11.171
Accumulation unit value at end of period	$	16.599	$	17.294	$	16.861	$	15.925	$	16.889	$	16.904	$	16.680	$	15.083	$	14.990	$	13.779
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin U.S. Government Securities VIP Subaccount
Accumulation unit value at beginning of period	$	11.631	$	11.700	$	11.849	$	12.023	$	11.856	$	12.364	$	12.372	$	11.935	$	11.557	$	11.429
Accumulation unit value at end of period	$	11.445	$	11.631	$	11.700	$	11.849	$	12.023	$	11.856	$	12.364	$	12.372	$	11.935	$	11.557
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Templeton Developing Markets VIP Subaccount
Accumulation unit value at beginning of period	$	31.738	$	23.043	$	20.003	$	25.366	$	28.229	$	29.047	$	26.171	$	31.708	$	27.491	$	16.239
Accumulation unit value at end of period	$	26.211	$	31.738	$	23.043	$	20.003	$	25.366	$	28.229	$	29.047	$	26.171	$	31.708	$	27.491
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Diversified Dividend Subaccount
Accumulation unit value at beginning of period	$	12.075	$	11.338	$	10.067	$	10.056	$	9.086	$	7.069	$	6.071	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	10.946	$	12.075	$	11.338	$	10.067	$	10.056	$	9.086	$	7.069	$	6.071	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		N/A		N/A
Invesco V.I. Health Care Subaccount
Accumulation unit value at beginning of period	$	26.458	$	23.287	$	26.813	$	26.498	$	22.574	$	16.375	$	13.809	$	13.543	$	13.113	$	10.471
Accumulation unit value at end of period	$	26.184	$	26.458	$	23.287	$	26.813	$	26.498	$	22.574	$	16.375	$	13.809	$	13.543	$	13.113
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Global Real Estate Subaccount
Accumulation unit value at beginning of period	$	28.661	$	25.846	$	25.822	$	26.721	$	23.767	$	23.590	$	18.773	$	20.470	$	17.759	$	13.765
Accumulation unit value at end of period	$	26.381	$	28.661	$	25.846	$	25.822	$	26.721	$	23.767	$	23.590	$	18.773	$	20.470	$	17.759
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Managed Volatility Subaccount
Accumulation unit value at beginning of period	$	30.975	$	28.562	$	26.323	$	27.426	$	23.191	$	21.347	$	21.007	$	18.391	$	17.638	$	15.646
Accumulation unit value at end of period	$	27.037	$	30.975	$	28.562	$	26.323	$	27.426	$	23.191	$	21.347	$	21.007	$	18.391	$	17.638
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-51

JPMorgan Insurance Trust MidCap Value Subaccount
Accumulation unit value at beginning of period	$	27.955	$	25.050	$	22.266	$	23.319	$	20.653	$	15.915	$	13.479	$	13.451	$	11.108	$	8.854
Accumulation unit value at end of period	$	24.172	$	27.955	$	25.050	$	22.266	$	23.319	$	20.653	$	15.915	$	13.479	$	13.451	$	11.108
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust Small Cap Core Subaccount
Accumulation unit value at beginning of period	$	37.126	$	32.847	$	27.855	$	29.981	$	27.890	$	19.982	$	17.016	$	18.216	$	14.608	$	N/A
Accumulation unit value at end of period	$	32.068	$	37.126	$	32.847	$	27.855	$	29.981	$	27.890	$	19.982	$	17.016	$	18.216	$	14.608
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust US Equity Subaccount
Accumulation unit value at beginning of period	$	26.573	$	22.145	$	20.349	$	20.568	$	18.410	$	13.779	$	11.941	$	12.405	$	11.135	$	8.492
Accumulation unit value at end of period	$	24.455	$	26.573	$	22.145	$	20.349	$	20.568	$	18.410	$	13.779	$	11.941	$	12.405	$	11.135
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Balanced Subaccount
Accumulation unit value at beginning of period	$	65.810	$	56.648	$	55.209	$	55.938	$	52.557	$	44.594	$	40.016	$	40.136	$	37.753	$	30.574
Accumulation unit value at end of period	$	64.984	$	65.810	$	56.648	$	55.209	$	55.938	$	52.557	$	44.594	$	40.016	$	40.136	$	37.753
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Enterprise Subaccount
Accumulation unit value at beginning of period	$	84.962	$	67.974	$	61.672	$	60.439	$	54.760	$	42.173	$	36.658	$	37.910	$	30.710	$	21.619
Accumulation unit value at end of period	$	82.981	$	84.962	$	67.974	$	61.672	$	60.439	$	54.760	$	42.173	$	36.658	$	37.910	$	30.710
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Global Research Subaccount
Accumulation unit value at beginning of period	$	48.139	$	38.633	$	38.587	$	40.260	$	38.201	$	30.326	$	25.748	$	30.431	$	26.783	$	19.829
Accumulation unit value at end of period	$	43.971	$	48.139	$	38.633	$	38.587	$	40.260	$	38.201	$	30.326	$	25.748	$	30.431	$	26.783
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Mid Cap Value Subaccount
Accumulation unit value at beginning of period	$	34.263	$	30.738	$	26.385	$	27.931	$	26.259	$	21.279	$	19.582	$	20.576	$	18.184	$	13.947
Accumulation unit value at end of period	$	28.959	$	34.263	$	30.738	$	26.385	$	27.931	$	26.259	$	21.279	$	19.582	$	20.576	$	18.184
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Research Subaccount
Accumulation unit value at beginning of period	$	48.206	$	38.429	$	38.981	$	37.725	$	34.037	$	26.624	$	22.889	$	24.641	$	21.937	$	16.402
Accumulation unit value at end of period	$	46.061	$	48.206	$	38.429	$	38.981	$	37.725	$	34.037	$	26.624	$	22.889	$	24.641	$	21.937
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Capital Appreciation Subaccount
Accumulation unit value at beginning of period	$	23.394	$	18.852	$	19.697	$	19.446	$	17.220	$	13.564	$	12.151	$	12.560	$	11.732	$	8.297
Accumulation unit value at end of period	$	21.577	$	23.394	$	18.852	$	19.697	$	19.446	$	17.220	$	13.564	$	12.151	$	12.560	$	11.732
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Discovery Mid Cap Growth Subaccount
Accumulation unit value at beginning of period	$	26.554	$	21.074	$	21.046	$	19.492	$	14.652	$	12.860	$	N/A	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	24.401	$	26.554	$	21.074	$	21.046	$	19.492	$	14.652	$	12.860	$	N/A	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		N/A		N/A		N/A
Oppenheimer Global Strategic Income Subaccount
Accumulation unit value at beginning of period	$	15.940	$	15.324	$	14.701	$	15.371	$	15.290	$	15.645	$	14.098	$	14.279	$	12.684	$	10.921
Accumulation unit value at end of period	$	14.923	$	15.940	$	15.324	$	14.701	$	15.371	$	15.290	$	15.645	$	14.098	$	14.279	$	12.684
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Global Subaccount
Accumulation unit value at beginning of period	$	35.350	$	26.435	$	26.992	$	26.544	$	26.516	$	21.287	$	17.944	$	19.998	$	17.621	$	12.891
Accumulation unit value at end of period	$	30.026	$	35.350	$	26.435	$	26.992	$	26.544	$	26.516	$	21.287	$	17.944	$	19.998	$	17.621
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Main Street Subaccount
Accumulation unit value at beginning of period	$	26.070	$	22.786	$	20.871	$	20.637	$	19.057	$	14.782	$	12.924	$	13.217	$	11.634	$	9.266
Accumulation unit value at end of period	$	23.498	$	26.070	$	22.786	$	20.871	$	20.637	$	19.057	$	14.782	$	12.924	$	13.217	$	11.634
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Main Street Small Cap Subaccount
Accumulation unit value at beginning of period	$	36.551	$	32.711	$	28.339	$	30.767	$	28.092	$	20.366	$	17.646	$	18.429	$	15.268	$	11.371
Accumulation unit value at end of period	$	32.070	$	36.551	$	32.711	$	28.339	$	30.767	$	28.092	$	20.366	$	17.646	$	18.429	$	15.268
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Voya Global Equity Subaccount
Accumulation unit value at beginning of period	$	12.250	$	10.116	$	9.752	$	10.502	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	10.919	$	12.250	$	10.116	$	9.752	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		N/A		N/A		N/A		N/A		N/A		N/A
VY JPMorgan Emerging Markets Equity Subaccount
Accumulation unit value at beginning of period	$	28.523	$	20.283	$	18.256	$	22.042	$	22.223	$	23.972	$	20.482	$	25.480	$	21.534	$	12.763
Accumulation unit value at end of period	$	23.334	$	28.523	$	20.283	$	18.256	$	22.042	$	22.223	$	23.972	$	20.482	$	25.480	$	21.534
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-52

Additional Contract Options Elected (0.65%)

Guaranteed Minimum Death Benefit, Earnings Based Death Benefit and Guaranteed Retirement Income Benefit—10 year

(Separate Account Charges of 1.95% of the Daily Net Assets of the Separate Account)

Tax Nonqualified Periodic Payment Contracts—1.95%

Subaccount	2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Alger Large Cap Growth Subaccount
Accumulation unit value at beginning of period	$	98.014	$	77.779	$	79.954	$	80.137	$	73.613	$	55.557	$	51.557	$	52.744	$	47.423	$	32.762
Accumulation unit value at end of period	$	98.250	$	98.014	$	77.779	$	79.954	$	80.137	$	73.613	$	55.557	$	51.557	$	52.744	$	47.423
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Alger MidCap Growth Subaccount
Accumulation unit value at beginning of period	$	59.042	$	46.374	$	46.820	$	48.492	$	45.770	$	34.351	$	30.137	$	33.496	$	28.604	$	19.223
Accumulation unit value at end of period	$	53.594	$	59.042	$	46.374	$	46.820	$	48.492	$	45.770	$	34.351	$	30.137	$	33.496	$	28.604
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Alger Small Cap Growth Subaccount
Accumulation unit value at beginning of period	$	87.228	$	69.077	$	66.285	$	69.897	$	70.950	$	53.875	$	48.825	$	51.412	$	41.832	$	29.310
Accumulation unit value at end of period	$	86.778	$	87.228	$	69.077	$	66.285	$	69.897	$	70.950	$	53.875	$	48.825	$	51.412	$	41.832
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
American Century VP Income & Growth Subaccount
Accumulation unit value at beginning of period	$	13.776	$	11.656	$	10.470	$	11.310	$	10.249	$	7.693	$	6.836	$	6.758	$	6.036	$	5.211
Accumulation unit value at end of period	$	12.583	$	13.776	$	11.656	$	10.470	$	11.310	$	10.249	$	7.693	$	6.836	$	6.758	$	6.036
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
American Century VP Value Subaccount
Accumulation unit value at beginning of period	$	18.489	$	17.332	$	14.666	$	15.556	$	14.025	$	10.854	$	9.659	$	9.748	$	8.762	$	7.452
Accumulation unit value at end of period	$	16.474	$	18.489	$	17.332	$	14.666	$	15.556	$	14.025	$	10.854	$	9.659	$	9.748	$	8.762
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Bond VIP Subaccount (formerly Deutsche Bond VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	9.232	$	8.893	$	8.559	$	8.751	$	8.367	$	8.797	$	8.332	$	8.027	$	7.663	$	7.098
Accumulation unit value at end of period	$	8.814	$	9.232	$	8.893	$	8.559	$	8.751	$	8.367	$	8.797	$	8.332	$	8.027	$	7.663
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Capital Growth VIP Subaccount (formerly Deutsche Capital Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	46.338	$	37.402	$	36.577	$	34.331	$	30.982	$	23.458	$	20.609	$	21.993	$	19.212	$	15.438
Accumulation unit value at end of period	$	44.721	$	46.338	$	37.402	$	36.577	$	34.331	$	30.982	$	23.458	$	20.609	$	21.993	$	19.212
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Core Equity VIP Subaccount (formerly Deutsche Core Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	23.971	$	20.192	$	18.632	$	18.049	$	16.455	$	12.216	$	10.754	$	10.979	$	9.784	$	7.436
Accumulation unit value at end of period	$	22.173	$	23.971	$	20.192	$	18.632	$	18.049	$	16.455	$	12.216	$	10.754	$	10.979	$	9.784
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS CROCI® International VIP Subaccount (formerly Deutsche CROCI® International VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	13.822	$	11.553	$	11.692	$	12.611	$	14.572	$	12.356	$	10.442	$	12.775	$	12.816	$	9.786
Accumulation unit value at end of period	$	11.605	$	13.822	$	11.553	$	11.692	$	12.611	$	14.572	$	12.356	$	10.442	$	12.775	$	12.816
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-53

DWS CROCI® U.S. VIP Subaccount, name change as of 5/1/17 (formerly Deutsche CROCI® U.S. VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.352	$	2.781	$	2.965	$	3.246	$	2.989	$	2.328	$	2.162	$	2.206	$	2.030	$	1.651
Accumulation unit value at end of period	$	2.943	$	3.352	$	2.781	$	2.965	$	3.246	$	2.989	$	2.328	$	2.162	$	2.206	$	2.030
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Global Equity VIP Subaccount (formerly Deutsche Global Equity VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	2.993	$	2.459	$	2.363	$	2.452	$	2.472	$	2.112	$	1.835	$	2.127	$	1.955	$	1.541
Accumulation unit value at end of period	$	2.609	$	2.993	$	2.459	$	2.363	$	2.452	$	2.472	$	2.112	$	1.835	$	2.127	$	1.955
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Global Income Builder VIP Subaccount (formerly Deutsche Global Income Builder VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	10.341	$	9.046	$	8.633	$	8.931	$	9.411	$	8.227	$	6.917	$	7.154	$	6.557	$	5.416
Accumulation unit value at end of period	$	9.365	$	10.341	$	9.046	$	8.633	$	8.931	$	9.411	$	8.227	$	6.917	$	7.154	$	6.557
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Government & Agency Securities VIP Subaccount (formerly Deutsche Government & Agency Securities VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	2.744	$	2.751	$	2.773	$	2.828	$	2.738	$	2.879	$	2.852	$	2.705	$	2.587	$	2.440
Accumulation unit value at end of period	$	2.706	$	2.744	$	2.751	$	2.773	$	2.828	$	2.738	$	2.879	$	2.852	$	2.705	$	2.587
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Government Money Market VIP Subaccount (formerly Deutsche Government Money Market VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	2.327	$	2.361	$	2.406	$	2.452	$	2.500	$	2.548	$	2.598	$	2.648	$	2.700	$	2.743
Accumulation unit value at end of period	$	2.314	$	2.327	$	2.361	$	2.406	$	2.452	$	2.500	$	2.548	$	2.598	$	2.648	$	2.700
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS High Income VIP Subaccount (formerly Deutsche High Income VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	11.863	$	11.249	$	10.161	$	10.840	$	11.046	$	10.562	$	9.129	$	8.962	$	8.015	$	5.837
Accumulation unit value at end of period	$	11.342	$	11.863	$	11.249	$	10.161	$	10.840	$	11.046	$	10.562	$	9.129	$	8.962	$	8.015
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Small Mid Cap Growth VIP Subaccount (formerly Deutsche Small Mid Cap Growth VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	3.693	$	3.083	$	2.882	$	2.964	$	2.859	$	2.042	$	1.820	$	1.931	$	1.521	$	1.103
Accumulation unit value at end of period	$	3.130	$	3.693	$	3.083	$	2.882	$	2.964	$	2.859	$	2.042	$	1.820	$	1.931	$	1.521
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
DWS Small Mid Cap Value VIP Subaccount (formerly Deutsche Small Mid Cap Value VIP Subaccount, name change as of 7/2/18)
Accumulation unit value at beginning of period	$	4.369	$	4.030	$	3.515	$	3.653	$	3.529	$	2.660	$	2.384	$	2.588	$	2.144	$	1.685
Accumulation unit value at end of period	$	3.599	$	4.369	$	4.030	$	3.515	$	3.653	$	3.529	$	2.660	$	2.384	$	2.588	$	2.144
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Dreyfus Mid Cap Stock Subaccount
Accumulation unit value at beginning of period	$	30.982	$	27.455	$	24.295	$	25.409	$	23.178	$	17.543	$	14.987	$	15.248	$	12.246	$	9.225
Accumulation unit value at end of period	$	25.620	$	30.982	$	27.455	$	24.295	$	25.409	$	23.178	$	17.543	$	14.987	$	15.248	$	12.246
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Dreyfus Sustainable U.S Equity Portfolio
Accumulation unit value at beginning of period	$	48.878	$	43.204	$	39.904	$	42.025	$	37.764	$	28.658	$	26.093	$	26.363	$	23.409	$	17.843
Accumulation unit value at end of period	$	45.828	$	48.878	$	43.204	$	39.904	$	42.025	$	37.764	$	28.658	$	26.093	$	26.363	$	23.409
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Asset Manager Subaccount
Accumulation unit value at beginning of period	$	39.900	$	35.647	$	35.258	$	35.895	$	34.577	$	30.466	$	27.615	$	28.892	$	25.778	$	20.355
Accumulation unit value at end of period	$	37.039	$	39.900	$	35.647	$	35.258	$	35.895	$	34.577	$	30.466	$	27.615	$	28.892	$	25.778
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Contrafund® Subaccount
Accumulation unit value at beginning of period	$	77.382	$	64.726	$	61.094	$	61.870	$	56.347	$	43.755	$	38.320	$	40.078	$	34.857	$	26.186
Accumulation unit value at end of period	$	71.054	$	77.382	$	64.726	$	61.094	$	61.870	$	56.347	$	43.755	$	38.320	$	40.078	$	34.857
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Equity Income Subaccount
Accumulation unit value at beginning of period	$	63.558	$	57.393	$	49.576	$	52.630	$	49.353	$	39.263	$	34.124	$	34.454	$	30.504	$	23.884
Accumulation unit value at end of period	$	57.166	$	63.558	$	57.393	$	49.576	$	52.630	$	49.353	$	39.263	$	34.124	$	34.454	$	30.504
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Growth Subaccount
Accumulation unit value at beginning of period	$	108.665	$	81.975	$	82.906	$	78.864	$	72.240	$	54.019	$	48.021	$	48.857	$	40.112	$	31.877
Accumulation unit value at end of period	$	106.395	$	108.665	$	81.975	$	82.906	$	78.864	$	72.240	$	54.019	$	48.021	$	48.857	$	40.112
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Fidelity VIP Index 500 Subaccount
Accumulation unit value at beginning of period	$	315.524	$	264.274	$	240.849	$	242.312	$	217.517	$	167.688	$	147.492	$	147.357	$	130.607	$	105.172
Accumulation unit value at end of period	$	295.555	$	315.524	$	264.274	$	240.849	$	242.312	$	217.517	$	167.688	$	147.492	$	147.357	$	130.607
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-54

Franklin Mutual Global Discovery VIP Subaccount
Accumulation unit value at beginning of period	$	30.592	$	28.718	$	26.099	$	27.616	$	26.634	$	21.277	$	19.137	$	20.104	$	18.307	$	15.135
Accumulation unit value at end of period	$	26.638	$	30.592	$	28.718	$	26.099	$	27.616	$	26.634	$	21.277	$	19.137	$	20.104	$	18.307
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Mutual Shares VIP Subaccount
Accumulation unit value at beginning of period	$	22.762	$	21.417	$	18.812	$	20.175	$	19.201	$	15.262	$	13.620	$	14.031	$	12.865	$	10.405
Accumulation unit value at end of period	$	20.300	$	22.762	$	21.417	$	18.812	$	20.175	$	19.201	$	15.262	$	13.620	$	14.031	$	12.865
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Rising Dividends VIP Subaccount
Accumulation unit value at beginning of period	$	28.191	$	23.838	$	20.942	$	22.159	$	20.778	$	16.334	$	14.874	$	14.305	$	12.088	$	10.502
Accumulation unit value at end of period	$	26.245	$	28.191	$	23.838	$	20.942	$	22.159	$	20.778	$	16.334	$	14.874	$	14.305	$	12.088
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Small Cap Value VIP Subaccount
Accumulation unit value at beginning of period	$	35.680	$	32.873	$	25.741	$	28.336	$	28.725	$	21.495	$	18.512	$	19.609	$	15.591	$	12.307
Accumulation unit value at end of period	$	30.488	$	35.680	$	32.873	$	25.741	$	28.336	$	28.725	$	21.495	$	18.512	$	19.609	$	15.591
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin Strategic Income VIP Subaccount
Accumulation unit value at beginning of period	$	17.294	$	16.861	$	15.925	$	16.889	$	16.904	$	16.680	$	15.083	$	14.990	$	13.779	$	11.171
Accumulation unit value at end of period	$	16.599	$	17.294	$	16.861	$	15.925	$	16.889	$	16.904	$	16.680	$	15.083	$	14.990	$	13.779
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Franklin U.S. Government Securities VIP Subaccount
Accumulation unit value at beginning of period	$	11.631	$	11.700	$	11.849	$	12.023	$	11.856	$	12.364	$	12.372	$	11.935	$	11.557	$	11.429
Accumulation unit value at end of period	$	11.445	$	11.631	$	11.700	$	11.849	$	12.023	$	11.856	$	12.364	$	12.372	$	11.935	$	11.557
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Templeton Developing Markets VIP Subaccount
Accumulation unit value at beginning of period	$	31.738	$	23.043	$	20.003	$	25.366	$	28.229	$	29.047	$	26.171	$	31.708	$	27.491	$	16.239
Accumulation unit value at end of period	$	26.211	$	31.738	$	23.043	$	20.003	$	25.366	$	28.229	$	29.047	$	26.171	$	31.708	$	27.491
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Diversified Dividend Subaccount
Accumulation unit value at beginning of period	$	12.075	$	11.338	$	10.067	$	10.056	$	9.086	$	7.069	$	6.071	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	10.946	$	12.075	$	11.338	$	10.067	$	10.056	$	9.086	$	7.069	$	6.071	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		N/A		N/A
Invesco V.I. Health Care Subaccount
Accumulation unit value at beginning of period	$	26.458	$	23.287	$	26.813	$	26.498	$	22.574	$	16.375	$	13.809	$	13.543	$	13.113	$	10.471
Accumulation unit value at end of period	$	26.184	$	26.458	$	23.287	$	26.813	$	26.498	$	22.574	$	16.375	$	13.809	$	13.543	$	13.113
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Global Real Estate Subaccount
Accumulation unit value at beginning of period	$	28.661	$	25.846	$	25.822	$	26.721	$	23.767	$	23.590	$	18.773	$	20.470	$	17.759	$	13.765
Accumulation unit value at end of period	$	26.381	$	28.661	$	25.846	$	25.822	$	26.721	$	23.767	$	23.590	$	18.773	$	20.470	$	17.759
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Invesco V.I. Managed Volatility Subaccount
Accumulation unit value at beginning of period	$	30.975	$	28.562	$	26.323	$	27.426	$	23.191	$	21.347	$	21.007	$	18.391	$	17.638	$	15.646
Accumulation unit value at end of period	$	27.037	$	30.975	$	28.562	$	26.323	$	27.426	$	23.191	$	21.347	$	21.007	$	18.391	$	17.638
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-55

JPMorgan Insurance Trust MidCap Value Subaccount
Accumulation unit value at beginning of period	$	27.955	$	25.050	$	22.266	$	23.319	$	20.653	$	15.915	$	13.479	$	13.451	$	11.108	$	8.854
Accumulation unit value at end of period	$	24.172	$	27.955	$	25.050	$	22.266	$	23.319	$	20.653	$	15.915	$	13.479	$	13.451	$	11.108
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust Small Cap Core Subaccount
Accumulation unit value at beginning of period	$	37.126	$	32.847	$	27.855	$	29.981	$	27.890	$	19.982	$	17.016	$	18.216	$	14.608	$	N/A
Accumulation unit value at end of period	$	32.068	$	37.126	$	32.847	$	27.855	$	29.981	$	27.890	$	19.982	$	17.016	$	18.216	$	14.608
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
JPMorgan Insurance Trust US Equity Subaccount
Accumulation unit value at beginning of period	$	26.573	$	22.145	$	20.349	$	20.568	$	18.410	$	13.779	$	11.941	$	12.405	$	11.135	$	8.492
Accumulation unit value at end of period	$	24.455	$	26.573	$	22.145	$	20.349	$	20.568	$	18.410	$	13.779	$	11.941	$	12.405	$	11.135
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Balanced Subaccount
Accumulation unit value at beginning of period	$	65.810	$	56.648	$	55.209	$	55.938	$	52.557	$	44.594	$	40.016	$	40.136	$	37.753	$	30.574
Accumulation unit value at end of period	$	64.984	$	65.810	$	56.648	$	55.209	$	55.938	$	52.557	$	44.594	$	40.016	$	40.136	$	37.753
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Enterprise Subaccount
Accumulation unit value at beginning of period	$	84.962	$	67.974	$	61.672	$	60.439	$	54.760	$	42.173	$	36.658	$	37.910	$	30.710	$	21.619
Accumulation unit value at end of period	$	82.981	$	84.962	$	67.974	$	61.672	$	60.439	$	54.760	$	42.173	$	36.658	$	37.910	$	30.710
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Global Research Subaccount
Accumulation unit value at beginning of period	$	48.139	$	38.633	$	38.587	$	40.260	$	38.201	$	30.326	$	25.748	$	30.431	$	26.783	$	19.829
Accumulation unit value at end of period	$	43.971	$	48.139	$	38.633	$	38.587	$	40.260	$	38.201	$	30.326	$	25.748	$	30.431	$	26.783
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Mid Cap Value Subaccount
Accumulation unit value at beginning of period	$	34.263	$	30.738	$	26.385	$	27.931	$	26.259	$	21.279	$	19.582	$	20.576	$	18.184	$	13.947
Accumulation unit value at end of period	$	28.959	$	34.263	$	30.738	$	26.385	$	27.931	$	26.259	$	21.279	$	19.582	$	20.576	$	18.184
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Janus Henderson Research Subaccount
Accumulation unit value at beginning of period	$	48.206	$	38.429	$	38.981	$	37.725	$	34.037	$	26.624	$	22.889	$	24.641	$	21.937	$	16.402
Accumulation unit value at end of period	$	46.061	$	48.206	$	38.429	$	38.981	$	37.725	$	34.037	$	26.624	$	22.889	$	24.641	$	21.937
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Capital Appreciation Subaccount
Accumulation unit value at beginning of period	$	23.394	$	18.852	$	19.697	$	19.446	$	17.220	$	13.564	$	12.151	$	12.560	$	11.732	$	8.297
Accumulation unit value at end of period	$	21.577	$	23.394	$	18.852	$	19.697	$	19.446	$	17.220	$	13.564	$	12.151	$	12.560	$	11.732
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Discovery Mid Cap Growth Subaccount
Accumulation unit value at beginning of period	$	26.554	$	21.074	$	21.046	$	19.492	$	14.652	$	12.860	$	N/A	$	N/A	$	N/A	$	8.297
Accumulation unit value at end of period	$	24.401	$	26.554	$	21.074	$	21.046	$	19.492	$	14.652	$	12.860	$	N/A	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Global Subaccount
Accumulation unit value at beginning of period	$	35.350	$	26.435	$	26.992	$	26.544	$	26.516	$	21.287	$	17.944	$	19.998	$	17.621	$	12.891
Accumulation unit value at end of period	$	30.026	$	35.350	$	26.435	$	26.992	$	26.544	$	26.516	$	21.287	$	17.944	$	19.998	$	17.621
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Global Strategic Income Subaccount
Accumulation unit value at beginning of period	$	15.940	$	15.324	$	14.701	$	15.371	$	15.290	$	15.645	$	14.098	$	14.279	$	12.684	$	10.921
Accumulation unit value at end of period	$	14.923	$	15.940	$	15.324	$	14.701	$	15.371	$	15.290	$	15.645	$	14.098	$	14.279	$	12.684
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Main Street Subaccount
Accumulation unit value at beginning of period	$	26.070	$	22.786	$	20.871	$	20.637	$	19.057	$	14.782	$	12.924	$	13.217	$	11.634	$	9.266
Accumulation unit value at end of period	$	23.498	$	26.070	$	22.786	$	20.871	$	20.637	$	19.057	$	14.782	$	12.924	$	13.217	$	11.634
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Oppenheimer Main Street Small Cap Subaccount
Accumulation unit value at beginning of period	$	36.551	$	32.711	$	28.339	$	30.767	$	28.092	$	20.366	$	17.646	$	18.429	$	15.268	$	11.371
Accumulation unit value at end of period	$	32.070	$	36.551	$	32.711	$	28.339	$	30.767	$	28.092	$	20.366	$	17.646	$	18.429	$	15.268
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—
Voya Global Equity Subaccount
Accumulation unit value at beginning of period	$	12.250	$	10.116	$	9.752	$	10.502	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A
Accumulation unit value at end of period	$	10.919	$	12.250	$	10.116	$	9.752	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A	$	N/A
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		N/A		N/A		N/A		N/A		N/A		N/A
VY JPMorgan Emerging Markets Equity Subaccount
Accumulation unit value at beginning of period	$	28.523	$	20.283	$	18.256	$	22.042	$	22.223	$	23.972	$	20.482	$	25.480	$	21.534	$	12.763
Accumulation unit value at end of period	$	23.334	$	28.523	$	20.283	$	18.256	$	22.042	$	22.223	$	23.972	$	20.482	$	25.480	$	21.534
Number of accumulation units outstanding at end of period (000’s omitted)		—		—		—		—		—		—		—		—		—		—

B-56

PART C

OTHER INFORMATION

Item 24. Financial Statements and Exhibits

(a) Financial Statements to be included in Part B:

All required financial statements are included in Part B of this registration statement.

(b) Exhibits:

5 1.1	A copy of resolution of the Board of Directors of Kemper Investors Life Insurance Company dated September 13, 1977.
5 1.2	A copy of Record of Action of Kemper Investors Life Insurance Company dated April 15, 1983.

2	Not Applicable.
3 3.1a	Distribution Agreement between Investors Brokerage Services, Inc. and KILICO.
26 3.1b	Limited Principal Underwriter Agreement dated November 10, 2010 by and between Zurich American Life Insurance Company and Investment Distributors, Inc.
1 3.2	Addendum to Selling Group Agreement of Kemper Financial Services, Inc.
6 3.3a	Selling Group Agreement of Investors Brokerage Services, Inc.
6 3.4	General Agent Agreement.
7 4.	Form of Variable Annuity Contract.
17 4.1	Form of Guaranteed Minimum Death Benefit Rider.
17 4.2	Form of Earnings Based Death Benefit Rider.
17 4.3	Form of Guaranteed Retirement Income Benefit Rider.
7 5.	Form of Application.
26 6.1a	Kemper Investors Life Insurance Company Articles of Incorporation.
3 6.1b	Zurich American Life Insurance Company Articles of Incorporation.
26 6.2a	Kemper Investors Life Insurance Company Bylaws.
6 6.2b	Zurich American Life Insurance Company Bylaws.
21 7.	Coinsurance Agreement between KILICO and Chase Insurance Life and Annuity Company (formerly known as Federal Kemper Life Assurance Company).
2 8.1	Fund Participation Agreement among KILICO, Lexington Natural Resources Trust and Lexington Management Corporation (now known as ING Investors Trust).
2 8.2	Fund Participation Agreement among KILICO, Lexington Emerging Markets Fund and Lexington Management Corporation (now known as ING Investors Trust).
2 8.3	Fund Participation Agreement among KILICO, Janus Aspen Series and Janus Capital Management LLC.
7 8.3(a)	Service Agreement between KILICO and Janus Capital Management LLC.
4 8.4(a)	Fund Participation Agreement among KILICO, Fidelity Variable Insurance Products Fund and Fidelity Distributors Corporation.
18 8.4(b)	Second Amendment to Fund Participation Agreement among KILICO, Fidelity Variable Insurance Products Fund and Fidelity Distributors Corporation.
11 8.4(c)	Third Amendment to Fund Participation Agreement among KILICO, Fidelity Variable Insurance Products Fund and Fidelity Distributors Corporation.
4 8.5(a)	Fund Participation Agreement among KILICO, Fidelity Variable Insurance Products Fund II and Fidelity Distributors Corporation.
18 8.5(b)	Second Amendment to Fund Participation Agreement among KILICO, Fidelity Variable Insurance Products Fund II and Fidelity Distributors Corporation.
8 8.6(a)	Participation Agreement between KILICO and Scudder Variable Life Investment Fund (formerly, DWS Variable Series I and now known as Deutsche Variable Series I).
8 8.6(b)	Participating Contract and Policy Agreement between KILICO and Scudder Kemper Investments, Inc.
8 8.6(c)	Indemnification Agreement between KILICO and Scudder Kemper Investments, Inc.
26 8.6(f)	Amendment to Participation Agreement Dated as of June 26, 1998, Between Zurich American Life Insurance Company and DWS Variable Series I (formerly, Scudder Variable Life Investment Fund and Scudder Variable Series I and now known as Deutsche Variable Series I), dated April 11, 2011.

13 8.7(a)	Fund Participation Agreement between KILICO and The Dreyfus Socially Responsible Growth Fund, Inc.
14 8.7(b)	Administrative Services Agreement by and between The Dreyfus Corporation and KILICO (redacted).
14 8.7(c)	November 1, 1999 Amendment to Fund Participation Agreement between KILICO and The Dreyfus Socially Responsible Growth Fund, Inc.
14 8.7(d)	November 1, 1999 Amendment to Administrative Services Agreement by and between The Dreyfus Corporation and KILICO (redacted).
27 8.7(e)	Amendment No. 2 to Fund Participation Agreement Dated April 27, 1999, Between Zurich American Life Insurance Company, The Dreyfus Socially Responsible Growth Fund, Inc., Dreyfus Investment Portfolios, Dreyfus Variable Investment Fund, and Dreyfus Life and Annuity Index Fund, Inc. (d/b/a Dreyfus Stock Index Fund), dated April 8, 2011.
16 8.8	Fund Participation Agreement between KILICO and J.P. Morgan Series Trust II.
14 8.9(a)	Fund Participation Agreement by and among The Alger American Fund, ZALICO and Fred Alger & Company, Incorporated.
14 8.9(b)	Service Agreement between Fred Alger Management, Inc. and KILICO (redacted).
27 8.9(c)	Amendment No. 1 to Participation Agreement Dated May 1, 1999, Between Zurich American Life Insurance Company, The Alger Portfolios (formerly The Alger American Fund), and Fred Alger & Company Incorporated, dated April 1, 2011.
12 8.10	Fund Participation Agreement by and between KILICO and American Century Investment Management, Inc.
15 8.11	Fund Participation Agreement among KILICO, Zurich American Fund (now known as DWS Variable Series II), Zurich Kemper Investments, Inc. and Kemper Distributors, Inc.
20 8.12	Participation Agreement among Franklin Templeton Variable Insurance Products Trust, Franklin Templeton Distributors, Inc. and Zurich American Life Insurance Company.
22 8.13(a)	Participation Agreement by and among Kemper Investors Life Insurance Company, INVESCO Variable Investment Funds, Inc. (now known as AIM Variable Insurance Funds), INVESCO Funds Group, Inc. and INVESCO Distributors, Inc.
22 8.13(b)	Administrative Services Agreement by and between INVESCO Funds Group, Inc., INVESCO Variable Investment Funds, Inc. (now known as AIM Variable Insurance Funds) and Kemper Investors Life Insurance Company
27 8.13(c)	Amendment No. 1 to the Participation Agreement Dated April 30, 2004, Between Kemper Investors Life Insurance Company, AIM Variable Insurance Funds, and AIM Distributors, Inc., dated May 28, 2008.
27 8.13(d)	Amendment No. 2 to the Participation Agreement Dated April 30, 2004, Between Kemper Investors Life Insurance Company, AIM Variable Insurance Funds, and AIM Distributors, Inc., dated April 30, 2010.
27 8.13(e)	Form of Amendment No. 3 to Participation Agreement Dated April 30, 2004, Between Zurich American Life Insurance Company, AIM Variable Insurance Funds (Invesco Variable Insurance Funds), and Invesco Distributors, Inc.
22 8.14(a)	Form of Fund Participation Agreement between KILICO and One Group Investment Trust (now known as JPMorgan Investment Trust).
22 8.14(b)	Form of Supplemental Payment Agreement (redacted)
24 8.15	Form of Rule 22c-2 Shareholder Information Agreement
25 9	Opinion and Consent of Counsel.
25 10.	Consent of PricewaterhouseCoopers LLP, Independent Accountants.
9 11.1	Schedule III: Supplementary Insurance Information (years ended December 31, 2004 and 2003.
9 11.2	Schedule IV: Reinsurance (year ended December 31, 2004).
10 11.3	Schedule IV: Reinsurance (year ended December 31, 2003).

11 11.4	Schedule V: Valuation and qualifying accounts (year ended December 31, 2004).
12 11.5	Schedule V: Valuation and qualifying accounts (year ended December 31, 2003).
12.	Not Applicable.
15.1	Powers of Attorney for Vinay Awati, Stuart C. Berman, Debra K. Broek, Bob J. Burne, David J. Dietz, Richard J. Hauser, Ira J. Kleinman, Louis W. Pietroluongo, and Coleen M. Zitt., filed herewith.

¹ Incorporated by reference to Post-Effective Amendment No. 22 to the Registration Statement on Form N-4 (File No. 2-72671) filed on or about April 27, 1995.

² Incorporated by reference to Post-Effective Amendment No. 23 to the Registration Statement on Form N-4 (File No. 2-72671) filed on or about September 14, 1995.

³ Incorporated by reference to Exhibits filed with the Registration Statement on Form S-1 for ZALICO (File No. 333-02491) filed on or about April 12, 1996.

⁴ Incorporated by reference to Post-Effective Amendment No. 24 to the Registration Statement on Form N-4 (File No. 2-72671) filed on or about April 26, 1996.

⁵ Incorporated by reference to the Registration Statement on Form N-4 (File No. 333-22375) filed on or about February 26, 1997.

⁶ Incorporated by reference to Amendment No. 2 to the Registration Statement on Form S-1 (File No. 333-02491) filed on or about April 23, 1997.

⁷ Incorporated by reference to Post-Effective Amendment No. 25 to the Registration Statement on Form N-4 (File No. 2-72671) filed on or about April 28, 1997.

⁸ Incorporated by reference to Amendment No. 5 to the Registration Statement on Form S-1 (File No. 333-22389) filed on or about April 20, 1999.

⁹ Incorporated by reference to Form 10-K for Kemper Investor Life Insurance Company for fiscal year ended December 31, 2004 filed on or about March 30, 2005.

¹⁰ Incorporated by reference to Form 10-K for Kemper Investor Life Insurance Company for fiscal year ended December 31, 2003 filed on or about March 31, 2004.

¹¹ Incorporated herein by reference to Pre-Effective Amendment No. 1 to the Registration Statement on Form S-6 (File No. 333-88845) filed on or about December 29, 1999.

¹² Incorporated by reference to the Registration Statement on Form S-1 (File No. 333-32632) filed on or about March 16, 2000.

¹³ Incorporated by reference to Post-Effective Amendment No. 28 to the Registration Statement on Form N-4 (File No. 2-72671) filed on or about April 28, 1999.

¹⁴ Incorporated by reference to Amendment No. 6 to the Registration Statement on Form S-1 (File No. 333-22389) filed on or about April 17, 2000.

¹⁵ Incorporated by reference to Amendment No. 3 to the Registration Statement of ZALICO on Form S-1 (File No. 333-22389) filed on or about April 8, 1998.

¹⁶ Incorporated herein by reference to Post –Effective Amendment No. 29 to the Registration Statement on Form N-4 (File No. 2-72671) filed on or about April 26, 2000.

¹⁷ Incorporated herein by reference to Post-Effective Amendment No. 2 to the Registration Statement on Form N-4 (File No. 333-32840) filed on or about March 2, 2001.

¹⁸ Incorporated herein by reference to Post-Effective Amendment No. 4 to the Registration Statement of the Registrant on Form S-6 filed on or about April 30, 1999 (File No. 333-35159).

¹⁹ Incorporated herein by reference to Post–Effective Amendment No. 33 to the Registration Statement on Form N-4 (File No. 2-72671) filed on or about April 27, 2001.

²⁰  Incorporated by reference to Amendment No. 7 to the Registration Statement on Form S-1 (File No. 333-22389) filed on or about April 26, 2001.

²¹ Incorporated by reference to Post-Effective Amendment No. 13 to the Registration Statement on Form N-4 (File No. 333-22375) filed on or about September 2, 2003.

²² Incorporated herein by reference to Post-Effective Amendment No. 39 to the Registration Statement on Form N-4 (File No. 2-72671) filed on or about April 27, 2004.

²³  Incorporated by reference to Post-Effective Amendment No. 42 to the Registration Statement on Form N-4 (File No. 2-72671) filed on or about May 1, 2005.

²⁴  Incorporated by reference to Post-Effective Amendment No. 18 to the Registration Statement on Form N-4 (File No. 333-22375) filed on or about April 27, 2007.

²⁵ Filed herewith.

²⁶  Incorporated by referenced to Post-Effective No. 47 to the Registration Statement on Form N-4 (File No. 2-72671) filed on April 29, 2011.

²⁷ Incorporated by reference to Post-Effective No. 22 to the Registration Statement on Form N-4 (File No. 33-22373) filed on April 29, 2011.

²⁸ Incorporated by reference to Post-Effective No. 48 to the Registration Statement on N-4 (File No. 2-72671) filed on April 30, 2012.

Item 25. Directors and Officers of Zurich American Life Insurance Company (“ZALICO”)

The directors and officers of ZALICO are listed below together with their current positions.

Name	Office with ZALICO
Vinay Awati1	Vice President, Chief Financial Officer and Treasurer, Ad Interim
Stuart C. Berman 2	Director
Debra K. Broek4	Director
Bob J. Burne1	Director
Patrick J. Carty2	Vice President, General Counsel and Corporate Secretary
Dave Dampman3	Vice President, Operations
Mary Dening2	Assistant Vice President, Actuary
David Jay Dietz2	President, Chief Executive Officer and Director
Eileen Ehlers3	Assistant Vice President, Underwriting
Cathy Elizabeth Ehrlich2	Vice President, Chief Actuary, Appointed Actuary and Illustration Actuary
Ryan Dylan Gibbons1	Assistant Secretary
Richard James Hauser1	Chairman of the Board, Director and Assistant Secretary
Amy Jackson1	Assistant Secretary
Ira J. Kleinman5	Director
Audrey Martin2	Vice President
Katie Miller1	Assistant Secretary
Jon Nagel2	Assistant Secretary
Adam Page1	Chief Information Security Officer
Louis W. Pietroluongo6	Director
German Ramirez1	Assistant Secretary
Farah Rehman7	Vice President and Responsible Officer, Illustrations
Michael Rohwetter2	Vice President and Chief Investment Officer
Juanita Thomas8	Vice President, Chief Compliance Officer and 38a-1 Chief Compliance Officer
Li Jun Wang1	Assistant Secretary
Feng Zhao9	Vice President
Colleen Zitt1	Director and Controller

1 The principal business address is 1299 Zurich Way, Schaumburg, IL 60196-1056.

2 The principal business address is 150 Greenwich St., New York, NY 10007.

3 The principal business address is 7045 College Blvd., Overland Park, KS 66211.

4 The principal business address is 716 Fairway Dr., Rock Valley, Iowa 51274.

5 The principal business address is 36 Overlook Road, Livingston, NJ 07039.

6 The principal business address is 17 Marycrest Road, West Nyack, NY 10994.

7 The principal business address is 2000 Sam Houston Parkway, Houston, TX 77042.

8 The principal business address is 4962 Cross Pointe Dr., Oldsmar, FL 34677.

9 The principal business address is 199 Scott Swamp Rd., Farmington, CT 06032.

Item 26. Persons Controlled by or Under Common Control with the Insurance Company or Registrant

Organizations Affiliated with Zurich U.S. Insurance Group

Company	Domicile	Ownership	%
Access Franchise Management Limited	GBR	Zurich Assurance Ltd		100.00000
ACN 000 141 051 Ltd.	AUS	Zurich Financial Services Australia Limited		100.00000
ADAC Autoversicherung AG	DEU	Zürich Beteiligungs-Aktiengesellschaft (Deutschland)		51.00000
Afterland Limited	GBR	Zurich Assurance Ltd		100.00000
AG Haus der Wirtschaft	CHE	Zurich Versicherungs-Gesellschaft AG		8.16327
Allied Dunbar Assurance plc	GBR	Zurich Financial Services (UKISA) Nominees Limited		100.00000
Allied Dunbar Financial Services Limited	GBR	Allied Dunbar Assurance plc		100.00000
Allied Dunbar Healthcare Marketing Limited	GBR	Allied Dunbar Assurance plc		100.00000
Allied Dunbar Property Services Limited	GBR	Allied Dunbar Assurance plc		100.00000
Allied Dunbar Provident plc	GBR	Allied Dunbar Assurance plc		100.00000
Allied Zurich Holdings Limited	JEY	Zurich Versicherungs-Gesellschaft AG		100.00000
Allied Zurich Limited	GBR	Zurich Insurance Group Ltd.		100.00000
American Guarantee and Liability Insurance Company	NY	Zurich American Insurance Company		100.00000
American Zurich Insurance Company	IL	Steadfast Insurance Company		100.00000
Applyhere Pty Ltd	AUS	Davidson Trahaire Holding Pty Ltd		100.00000
Ashdale Land and Property Company Limited	GBR	Zurich Insurance plc		100.00000
Asistbras S/A Assistência ao Viajante	BRA	Travel Ace Internacional de Servicios S.A.		65.00000
Assistance Online (China) Co Ltd	CHN	Assistancee Online Pte. Ltd		100.00000
Assistancee Online HK Ltd	HKG	Assistancee Online HK Ltd		0.00000
Assistancee Online HK Ltd	HKG	Assistancee Online Pte. Ltd		100.00000
Assistancee Online Pte. Ltd	SGP	Customer Care Assistance Pty Ltd		100.00000
Associated Marine Insurers Agents Pty. Limited	AUS	Zurich Financial Services Australia Limited		100.00000
ASTIS Holdings Limited	AUS	Cover-More Finance Pty Limited		100.00000
Aust Office 1, LLC	DE	Zurich American Insurance Company		100.00000
Ballykilliane Holdings Limited	IRL	Zurich Insurance plc		100.00000
Bansabadell Pensiones, E.G.F.P, S.A.	ESP	Zurich Vida, Companía de Seguros y Reaseguros, S.A. - Socied		50.00000
Bansabadell Seguros Generales, S.A. de Seguros y Reaseguros	ESP	Zurich Versicherungs-Gesellschaft AG		50.00000
Bansabadell Servicios Auxiliares De Seguros, S.L.	ESP	Bansabadell Seguros Generales, S.A. de Seguros y Reaseguros		100.00000
Bansabadell Vida S.A. de Seguros y Reaseguros	ESP	Zurich Vida, Companía de Seguros y Reaseguros, S.A. - Socied		50.00000
Benefit Finance Partners, L.L.C.	DE	Zurich Benefit Finance LLC		50.00000
BFP Securities LLC	DE	Benefit Finance Partners, L.L.C.		100.00000
Bloomington Office LP	DE	Zurich Structured Finance, Inc.		99.00000
Bloomington Office MGP Manager, Inc	DE	Zurich Structured Finance, Inc.		100.00000
Bloomington Office MGP, LLC	DE	Zurich Structured Finance, Inc.		99.00000
Bloomington Office MGP, LLC	DE	Bloomington Office MGP Manager, Inc		1.00000
Blue Insurance Australia Pty Ltd	AUS	Blue Insurance Limited		100.00000
Blue Insurance Limited	IRL	Cover-More Australia Pty Ltd		97.61000
Blue Marble Capital L.P.	BMU	Blue Marble Micro Limited		100.00000
Blue Marble Micro Limited	GBR	Zürich Versicherungs-Gesellschaft AG		100.00000
Blue Marble Microinsurance, Inc.	DE	Blue Marble Micro Limited		100.00000
Bonnfinanz Aktiengesellschaft fur Vermogensberatung und Verm	DEU	Deutscher Herold Aktiengesellschaft		100.00000
Bonus Pensionskassen Aktiengesellschaft	AUT	Zurich Versicherungs-Aktiengesellschaft		87.50000
BONUS Vorsorgekasse AG	AUT	Zurich Versicherungs-Aktiengesellschaft		50.00000
BOS Apt 1, LLC	DE	Zurich American Insurance Company		100.00000
BOS Apt 2, LLC	DE	Zurich American Insurance Company		100.00000
BOS Office 2 LLC	DE	Zurich American Insurance Company		100.00000
BOS Office 3, LLC	DE	Farmers New World Life Insurance Company		100.00000
BOS Office 4, LLC	DE	Zurich American Insurance Company		100.00000
BOS Retail 1, LLC	DE	Zurich American Insurance Company		100.00000
Bright Box Europe S.A.	CHE	Bright Box HK Limited		100.00000
Bright Box HK Limited	CHN	Zürich Versicherungs-Gesellschaft AG		100.00000
Bright Box Hungary KFT	HUN	Bright Box HK Limited		100.00000
Bright Box Middle East FZCO	ARE	Bright Box HK Limited		100.00000
Brinker Retail MGP, LLC	DE	Zurich Structured Finance, Inc.		99.00000
Bristlecourt Limited	GBR	Zurich Assurance Ltd		100.00000
Cayley Aviation Ltd.	BMU	Zurich Insurance Company Ltd, Bermuda Branch		100.00000
Celta Assistance SL	ESP	Universal Assistance S.A.		100.00000
Centre Group Holdings (U.S.) Limited	DE	Zurich Finance Company Ltd		100.00000
Centre Insurance Company	DE	Centre Solutions (U.S.) Limited		100.00000
Centre Life Insurance Company	MA	Centre Solutions (U.S.) Limited		100.00000
Centre Reinsurance (U.S.) Limited	BMU	Centre Group Holdings (U.S.) Limited		100.00000
Centre Solutions (Bermuda) Limited	BMU	Zurich Finance Company Ltd		100.00000
Centre Solutions (U.S.) Limited	BMU	Centre Group Holdings (U.S.) Limited		100.00000
Charlotte Office 1, LLC	DE	Zurich American Insurance Company		100.00000
CHI APT 1, LLC	DE	Zurich American Insurance Company		100.00000
CHI IND 1, LLC	DE	Farmers New World Life Insurance Company		100.00000
Chilena Consolidada Seguros de Vida S.A.	CHL	Inversiones Suizo Chilena S.A.		98.97703
Chilena Consolidada Seguros Generales S.A.	CHL	Chilena Consolidada Seguros de Vida S.A.		7.40525
Chilena Consolidada Seguros Generales S.A.	CHL	Inversiones Suizo Chilena S.A.		82.73165
City of London Insurance Company Limited	GBR	Eagle Star Insurance Company Limited		100.00000
COFITEM-COFIMUR	FRA	Zurich Versicherungs-Gesellschaft AG		12.40521
Collierville Center, LP	DE	Zurich Structured Finance, Inc.		99.00000
Collierville MGP Manager, Inc.	DE	Zurich Structured Finance, Inc.		100.00000
Collierville Office MGP, LLC	DE	Zurich Structured Finance, Inc.		99.00000
Collierville Office MGP, LLC	DE	Collierville MGP Manager, Inc.		1.00000
Colonial American Casualty and Surety Company	MD	Fidelity and Deposit Company of Maryland		100.00000
Community Trust Services Limited	GBR	Zurich Community Trust (UK) Limited		99.00000
Community Trust Services Limited	GBR	Zurich Financial Services (UKISA) Nominees Limited		1.00000
Concisa Vorsorgeberatung und Management AG	AUT	Bonus Pensionskassen Aktiengesellschaft		100.00000
Concourse Skelmersdale Limited	GBR	Zurich Financial Services (UKISA) Limited		100.00000
Cover-More (NZ) Limited	NZL	Cover-More Australia Pty Ltd		100.00000
Cover-More Asia Pte. Ltd	SGP	Travel Assist Pty Limited		100.00000
Cover-More Australia Pty Ltd	AUS	Cover-More Holdings Pty Ltd		100.00000
Cover-More Finance Pty Limited	AUS	Cover-More Group Limited		100.00000
Cover-More Group Limited	AUS	Zurich Travel Solutions Pty Limited		100.00000
Cover-More Holdings Pty Ltd	AUS	Travel Assist Pty Limited		100.00000
Cover-More Holdings USA Inc.	DE	Travel Assist Pty Limited		100.00000
Cover-More Inc.	DE	Cover-More Holdings USA Inc.		100.00000
Cover-More Insurance Services Limited	GBR	Cover-More Australia Pty Ltd		100.00000
Cover-More Insurance Services Pty Ltd	AUS	Travel Assist Pty Limited		100.00000
CP Holding Limited	VGB	Zurich Insurance Company Ltd, Bermuda Branch		100.00000
CREC (Birmingham), LLC	DE	Zurich Structured Finance, Inc.		100.00000
CREC (COLLIERVILLE), LLC	DE	Zurich Structured Finance, Inc.		100.00000
CREC (Durham), LLC	DE	Zurich Structured Finance, Inc.		100.00000
CREC (Sacramento), LLC	DE	Zurich Structured Finance, Inc.		100.00000
CTH Affordable Housing Corporation	DE	Zurich Structured Finance, Inc.		100.00000
CTH Affordable Housing Investor, Inc.	DE	CTH Affordable Housing Corporation		100.00000
CTH/Landmark SLP, Inc.	IL	CTH Affordable Housing Corporation		100.00000
Cursud N.V.	ANT	Zurich Versicherungs-Gesellschaft AG		100.00000
Customer Care Assistance Pty Ltd	AUS	Customer Care Holdings Pty Ltd		100.00000
Customer Care Holdings Pty Ltd	AUS	Travel Assist Pty Limited		100.00000
Customer Care Pty Ltd	AUS	Customer Care Holdings Pty Ltd		100.00000
DA Deutsche Allgemeine Versicherung Aktiengesellschaft	DEU	Zürich Beteiligungs-Aktiengesellschaft (Deutschland)		100.00000
Dallas Office MGP Manager, Inc.	DE	Zurich Structured Finance, Inc.		100.00000
Dallas Office MGP, LLC	DE	Zurich Structured Finance, Inc.		99.00000
Dallas Office MGP, LLC	DE	Dallas Office MGP Manager, Inc.		1.00000
Dallas Tower LP	DE	Zurich Structured Finance, Inc.		99.00000
Davidson Trahaire Corpsych (Singapore) Pte. Limited	SGP	DTC Bidco Pty Ltd		100.00000
Davidson Trahaire Corpsych Pty Ltd	AUS	Davidson Trahaire Holding Pty Ltd		65.00000
Davidson Trahaire Corpsych Pty Ltd	AUS	Applyhere Pty Ltd		35.00000
Davidson Trahaire Holding Pty Ltd	AUS	DTC Australia Pty Ltd		100.00000
DB Vita S.A.	LUX	Deutscher Herold Aktiengesellschaft		25.00000
DC Apt 1, LLC	DE	Zurich American Insurance Company		100.00000
DC Retail 1, LLC	DE	Farmers New World Life Insurance Company		100.00000
Delkir S.A.	URY	Zürich Versicherungs-Gesellschaft AG		100.00000
Delta Wetlands Properties	IL	KLMLP 2, LLC		90.00000
Delta Wetlands Properties	IL	KLMLP 3, LLC		10.00000
DEN Retail 1 LLC	DE	Farmers New World Life Insurance Company		100.00000
Derimed S.A.	ARG	Zürich Versicherungs-Gesellschaft AG		100.00000
Deutsche Zurich Pensiones, Entidad Gestora de Fondos de Pens	ESP	Zurich Vida, Companía de Seguros y Reaseguros, S.A. - Socied		50.00000
Deutscher Herold Aktiengesellschaft	DEU	Zurich Beteiligungs-Aktiengesellschaft (Deutschland)		79.82639
Deutscher Pensionsfonds Aktiengesellschaft	DEU	Deutscher Herold Aktiengesellschaft		74.90000
Deutsches Institut fur Altersvorsorge GmbH	DEU	Deutscher Herold Aktiengesellschaft		22.00000
Digital Insurance Group B.V.	NLD	Zürich Versicherungs-Gesellschaft AG		10.00000
Disability Management Services, Inc.	CT	Centre Group Holdings (U.S.) Limited		40.00000
DTC Australia Pty Ltd	AUS	DTC Bidco Pty Ltd		100.00000
DTC Bidco Pty Ltd	AUS	DTC Holdco Pty Ltd		100.00000
DTC Holdco Pty Ltd	AUS	ASTIS Holdings Limited		100.00000
DTC NZ Bidco Limited	NZL	DTC Bidco Pty Ltd		100.00000
Dunbar Assets Ireland	IRL	Zurich Finance Company Ltd		0.03664
Dunbar Assets Ireland	IRL	ZCM Asset Holding Company (Bermuda) Limited		0.00000
Dunbar Assets plc	GBR	Dunbar Assets Ireland		100.00000
Dunbar Nominees Limited	GBR	Dunbar Assets plc		100.00000
Dunbar Sports and Social Club Limited	GBR	Allied Dunbar Assurance plc		100.00000
Dusfal S.A.	URY	Zürich Versicherungs-Gesellschaft AG		100.00000
Eagle Star (Leasing) Limited	GBR	Zurich Assurance Ltd		100.00000
Eagle Star Direct (Camberley) Limited	GBR	Zurich Insurance Company (U.K.) Limited		100.00000
Eagle Star Direct Services Limited	GBR	Zurich UK General Services Limited		100.00000
Eagle Star Estates Limited	GBR	Zurich Assurance Ltd		100.00000
Eagle Star European Life Assurance Company Limited	IRL	Zurich Life Assurance plc		100.00000
Eagle Star Executives Pension Trustee Limited	GBR	Zurich Financial Services (UKISA) Limited		100.00000
Eagle Star Farms Limited	GBR	Zurich Assurance Ltd		100.00000
Eagle Star Forests Limited	GBR	Zurich Assurance Ltd		100.00000
Eagle Star Group Holdings Limited	GBR	Eagle Star Holdings Limited		100.00000
Eagle Star Group Services Limited	GBR	Eagle Star Holdings Limited		100.00000
Eagle Star Holding Company of Ireland	IRL	Eagle Star Group Holdings Limited		0.00006
Eagle Star Holding Company of Ireland	IRL	Zurich Assurance Ltd		99.99994
Eagle Star Holdings Limited	GBR	Zurich Financial Services (UKISA) Limited		100.00000
Eagle Star Insurance Company Limited	GBR	Zurich Versicherungs-Gesellschaft AG		100.00000
Eagle Star Loans Limited	GBR	Zurich Assurance Ltd		100.00000
Eagle Star Securities Limited	GBR	Zurich Insurance plc		100.00000
Edilspettacolo SRL	ITA	Zurich Insurance Company Ltd - Rappresentanza Generale per l		35.71233
Empire Fire and Marine Insurance Company	NE	Zurich American Insurance Company		100.00000
Empire Indemnity Insurance Company	OK	Zurich American Insurance Company		100.00000
Employee Services Limited	GBR	Allied Dunbar Financial Services Limited		100.00000
Endsleigh Financial Services Limited	GBR	Zurich Holdings (UK) Limited		100.00000
Endsleigh Pension Trustee Limited	GBR	Zurich Holdings (UK) Limited		100.00000
Eritage S.A.	URY	Zürich Versicherungs-Gesellschaft AG		65.00000
ES (Walsall) Nominee Limited	GBR	Zurich Assurance Ltd		100.00000
ES Cannock Nominee 1 Limited	GBR	Zurich Assurance Ltd		100.00000
ES Cannock Nominee 2 Limited	GBR	Zurich Assurance Ltd		100.00000
ES Dudley Nominee 1 Limited	GBR	Zurich Assurance Ltd		100.00000
ES Dudley Nominee 2 Limited	GBR	Zurich Assurance Ltd		100.00000
ES Plympton Nominee 1 Limited	GBR	Zurich Assurance Ltd		100.00000
ES Plympton Nominee 2 Limited	GBR	Zurich Assurance Ltd		100.00000
ES Ramsgate Nominee 1 Limited	GBR	Zurich Assurance Ltd		100.00000
ES Ramsgate Nominee 2 Limited	GBR	Zurich Assurance Ltd		100.00000
ESI Financing Limited	GBR	Eagle Star Insurance Company Limited		0.00011
ESI Financing Limited	GBR	Zurich Versicherungs-Gesellschaft AG		99.99989
Euclid KY Annex, LP	DE	Zurich Structured Finance, Inc.		99.00000
Euclid Office LP	DE	Zurich Structured Finance, Inc.		99.00000
Euclid Warehouses LP	DE	Zurich Structured Finance, Inc.		99.00000
Euroamérica Administradora General de Fondos S.A	CHL	Chilena Consolidada Seguros de Vida S.A.		100.00000
Extremus Versicherung-Aktiengesellschaft	DEU	Zurich Insurance plc Niederlassung fur Deutschland		5.00000
Farmers Family Fund	CA	Farmers Group, Inc.		100.00000
Farmers Group, Inc.	NV	Zurich Versicherungs-Gesellschaft AG		87.90000
Farmers Group, Inc.	NV	Zurich Insurance Group Ltd.		12.10000
Farmers Life Insurance Company of New York	NY	Farmers New World Life Insurance Company		100.00000
Farmers New World Life Insurance Company	WA	Farmers Group, Inc.		100.00000
Farmers Reinsurance Company	CA	Farmers Group, Inc.		100.00000
Farmers Services Corporation	NV	Farmers Group, Inc.		100.00000
Farmers Underwriters Association	CA	Farmers Group, Inc.		100.00000
Fidelity and Deposit Company of Maryland	MD	Zurich American Insurance Company		100.00000
FIG Holding Company	CA	Farmers Group, Inc.		100.00000
FIG Leasing Co., Inc.	CA	Farmers Group, Inc.		100.00000
Fire Underwriters Association	CA	Farmers Group, Inc.		100.00000
Fitsense Insurance Services Pty Ltd	AUS	Travel Assist Pty Limited		100.00000
Futuro de Bolivia S.A. Administradora de Fondos de Pensiones	BOL	Zurich Boliviana Seguros Personales S.A.		8.42193
Futuro de Bolivia S.A. Administradora de Fondos de Pensiones	BOL	Zurich South America Invest AB		71.57801
FX Insurance Agency Hawaii, LLC	HI	FIG Leasing Co., Inc.		100.00000
FX Insurance Agency, LLC	DE	FIG Leasing Co., Inc.		100.00000
General Surety & Guarantee Co Limited	GBR	Zurich Insurance Company (U.K.) Limited		100.00000
Genevoise, Compagnie Immobiliere SA	CHE	Zurich Lebensversicherungs-Gesellschaft AG		100.00000
Grovewood Engineering Limited	GBR	Zurich Assurance Ltd		100.00000
Grovewood Property Holdings Limited	GBR	Eagle Star Holdings Limited		100.00000
H4B Humboldthafen Einheitsgesellschaft GmbH&Co.KG	DEU	REX-ZDHL S.C.S. SICAV-SIF		94.90000
Halo Holdco Limited	GBR	Cover-More Australia Pty Ltd		100.00000
Halo Holdco Limited	GBR	Zürich Versicherungs-Gesellschaft AG		0.00000
Halo Insurance Services Limited	GBR	Halo Holdco Limited		100.00000
Halo Insurance Services Pty Ltd	AUS	Halo Insurance Services Limited		100.00000
Hawkcentral Limited	GBR	Zurich Assurance Ltd		100.00000
Herengracht Investments B.V	DEU	RE Curve Holding B.V.		100.00000
Home & Overseas Insurance Company Limited	GBR	Eagle Star Insurance Company Limited		100.00000
Hoplite Reinsurance Company of Vermont, Inc.	VT	Zurich Holding Company of America, Inc.		100.00000
HOU IND 1, LLC	DE	Zurich American Insurance Company		100.00000
HOU IND 2, LLC	DE	Zurich American Insurance Company		100.00000
HOU IND 3, LLC	DE	Zurich American Insurance Company		100.00000
Independence Center Realty L.P.	DE	Philadelphia Investor, LLC		89.00000
INNATE, Inc.	DC	Cover-More Holdings USA Inc.		100.00000
INTEGRA Versicherungsdienst GmbH	AUT	Zurich Versicherungs-Aktiengesellschaft		100.00000
International Travel Assistance S.A.	PAN	Zürich Versicherungs-Gesellschaft AG		55.00000
Inversiones Suizo Chilena S.A.	CHL	Inversiones Suizo-Argentina S.A.		0.00001
Inversiones Suizo Chilena S.A.	CHL	Zurich Versicherungs-Gesellschaft AG		99.99999
Inversiones Suizo-Argentina S.A.	ARG	Zurich Lebensversicherungs-Gesellschaft AG		5.00400
Inversiones Suizo-Argentina S.A.	ARG	Zurich Versicherungs-Gesellschaft AG		94.99600
Inversiones ZS America Dos Limitada	CHL	Inversiones ZS America SpA		100.00000
Inversiones ZS America SpA	CHL	Zurich Santander Insurance America, S.L.		100.00000
Inversiones ZS America Tres SpA	CHL	Zurich Santander Insurance America, S.L.		100.00000
Inversora Alpina Financiadora de Primas, C.A.	VEN	Zurich Seguros, S.A.		100.00000
Irish National Insurance Company p.l.c.	IRL	Zurich Insurance plc		99.99999
Isis S.A.	ARG	Inversiones Suizo-Argentina S.A.		60.50140
Isis S.A.	ARG	Zurich Versicherungs-Gesellschaft AG		39.49860
JFS/ZSF 1997 L.P.	VA	Zurich Structured Finance, Inc.		99.00000
JFS/ZSF 1998, L.P.	VA	Zurich Structured Finance, Inc.		99.00000
Kansas City Office LP	DE	Zurich Structured Finance, Inc.		99.00000
Kansas Office MGP Manager, Inc.	DE	Zurich Structured Finance, Inc.		100.00000
Kansas Office MGP, LLC	DE	Zurich Structured Finance, Inc.		99.00000
Kansas Office MGP, LLC	DE	Kansas Office MGP Manager, Inc.		1.00000
Karvat Cover-More Assist. Pvt Ltd.	IND	Cover-More Asia Pte. Ltd		100.00000
Kennet Road 1 UK Limited	GBR	Zurich Assurance Ltd		100.00000
Kennet Road 2 UK Limited	GBR	Zurich Assurance Ltd		100.00000
KLMLP 2, LLC	DE	KLMLP, L.P.		100.00000
KLMLP 3, LLC	DE	KLMLP 2, LLC		100.00000
KLMLP, L.P.	DE	Zurich American Corporation		75.00000
Knip (Deutschland) GmbH	DEU	Knip AG		100.00000
Knip AG	CHE	Digital Insurance Group B.V.		98.88000
Komparu B.V.	NLD	Digital Insurance Group B.V.		100.00000
Kono Insurance Limited	HKG	Zurich Versicherungs-Gesellschaft AG		100.00000
Kouler S.A.	URY	Zürich Versicherungs-Gesellschaft AG		100.00000
LA Industrial 1, LLC	DE	Zurich American Insurance Company		100.00000
LA Retail 1 LLC	DE	Zurich American Insurance Company		100.00000
Limited Liability Company “BRIGHT BOX”	RUS	Bright Box HK Limited		100.00000
Limited Liability Company “REMOTO”	RUS	Bright Box HK Limited		100.00000
Manon Vision Co., Ltd.	THA	Centre Solutions (Bermuda) Limited		0.00057
Manon Vision Co., Ltd.	THA	Zurich Finance Company Ltd		0.00066
Manon Vision Co., Ltd.	THA	Zurich Versicherungs-Gesellschaft AG		99.99877
MEATPACKING B.V.	NLD	Rock Inne Vastgoed B.V.		100.00000
Medidata AG	CHE	Zurich Versicherungs-Gesellschaft AG		8.85180
Meritclass Investments Limited	GBR	Zurich Assurance Ltd		100.00000
MI Administrators, LLC	DE	FIG Leasing Co., Inc.		100.00000
MIAMI INDUSTRIAL 1, LLC	DE	Zurich American Insurance Company		100.00000
Miami Industrial 2, LLC	DE	Farmers New World Life Insurance Company		100.00000
Miami Office 2, LLC	DE	Zurich American Insurance Company		100.00000
MIAMI OFFICE 3, LLC	DE	Zurich American Insurance Company		100.00000
Miami Retail 1, LLC	DE	Zurich American Insurance Company		100.00000
Minas Brasil Promotora de Servicos S/A	BRA	Zurich Minas Brasil Seguros S.A,		100.00000
MSHQ, LLC	DE	JFS/ZSF 1998, L.P.		100.00000
MSP APT 1, LLC	DE	Zurich American Insurance Company		100.00000
Nashville Office 1, LLC	DE	Zurich American Insurance Company		100.00000
Navigators and General Insurance Company Limited	GBR	Zurich Insurance plc		100.00000
Nearheath Limited	GBR	Zurich Assurance Ltd		100.00000
NY Industrial 1, LLC	DE	Zurich American Insurance Company		100.00000
Oak Underwriting plc	GBR	Zurich Holdings (UK) Limited		100.00000
Orange Stone Company	IRL	Zurich Finance Company AG		100.00000
Orion Rechtsschutz-Versicherung AG	CHE	Zurich Versicherungs-Gesellschaft AG		78.00000
Parcelgate Limited	GBR	Zurich Assurance Ltd		100.00000
Perils AG	CHE	Zurich Versicherungs-Gesellschaft AG		11.11111
Perunsel S.A.	URY	Zürich Versicherungs-Gesellschaft AG		60.00000
Philly Office 1, LLC	DE	Zurich American Insurance Company		100.00000
POR Apt 1, LLC	DE	Zurich American Insurance Company		100.00000
POR Apt 2, LLC	DE	Zurich American Insurance Company		100.00000
POR Office 1, LLC	DE	Farmers New World Life Insurance Company		100.00000
Prime Corporate Psychology Pty Ltd	AUS	DTC Bidco Pty Ltd		100.00000
Protektor Lebensversicherungs-AG	DEU	Zurich Deutscher Herold Lebensversicherung Aktiengesellschaf		5.15838
PT Zurich Insurance Indonesia	IDN	Zürich Rückversicherungs-Gesellschaft AG		1.56878
PT Zurich Insurance Indonesia	IDN	Zurich Versicherungs-Gesellschaft AG		97.09134
PT Zurich Topas Life	IDN	Zurich Versicherungs-Gesellschaft AG		80.00000
R3 FL Holdings, LLC	FL	Fidelity and Deposit Company of Maryland		100.00000
Raleigh/Durham Offices, L.P.	DE	Zurich Structured Finance, Inc.		99.00000
RE Curve Holding B.V.	DEU	Zurich Deutscher Herold Lebensversicherung Aktiengesellschaf		100.00000
Real Garant Espana S.L.	ESP	Real Garant GmbH Garantiesysteme		100.00000
Real Garant GmbH Garantiesysteme	DEU	Real Garant Versicherung Aktiengesellschaft		100.00000
Real Garant Versicherung Aktiengesellschaft	DEU	Zurich Beteiligungs-Aktiengesellschaft (Deutschland)		100.00000
Research Triangle MGP Manager, Inc.	DE	Zurich Structured Finance, Inc.		100.00000
Research Triangle Office MGP, LLC	DE	Zurich Structured Finance, Inc.		99.00000
Research Triangle Office MGP, LLC	DE	Research Triangle MGP Manager, Inc.		1.00000
REX Holding S.a.r.l.	LUX	REX-ZDHL S.C.S. SICAV-SIF		100.00000
REX-Germany-ZDHL S.C.S	LUX	REX-ZDHL S.C.S. SICAV-SIF		95.240
Rex-Spain-ZDHL S.L.	ESP	Zurich Deutscher Herold Lebensversicherung Aktiengesellschaf		100.00000
REX-The East S.à.r.l	LUX	REX-ZDHL S.C.S. SICAV-SIF		94.80000
REX-ZDHL GP S.a.r.l.	LUX	Zurich Deutscher Herold Lebensversicherung Aktiengesellschaf		100.00000
REX-ZDHL S.C.S. SICAV-SIF	LUX	Zurich Deutscher Herold Lebensversicherung Aktiengesellschaf		100.00000
Rock Inne Vastgoed B.V.	NLD	REX Holding S.à.r.l.		100.00000
Rokin 21 B.V.	NLD	Roxana Vastgoed B.V.		100.00000
Rokin 49 B.V.	NLD	Rock Inne Vastgoed B.V.		100.00000
Roxana Vastgoed B.V.	NLD	REX Holding S.à.r.l.		100.00000
Rural Community Insurance Company	MN	Zurich American Insurance Company		100.00000
Sacramento Office MGP, LLC	DE	Zurich Structured Finance, Inc.		100.00000
SAN DIEGO INDUSTRIAL 1, LLC	DE	Zurich American Insurance Company		100.00000
San Diego Retail 1, LLC	DE	Zurich American Insurance Company		100.00000
Santander Rio Seguros S.A.	ARG	Inversiones ZS America SpA		4.00000
Santander Rio Seguros S.A.	ARG	Zurich Santander Insurance America, S.L.		96.00000
Santander Seguros Sociedad Anónima	URY	Zurich Santander Insurance America, S.L.		100.00000
Saudi National Insurance Company	BHR	Zurich Insurance Company Ltd (Bahrain Branch)		5.00000
Sceptre Trust Limited	BHS	Eagle Star Holdings Limited		0.00002
Sceptre Trust Limited	BHS	Eagle Star Insurance Company Limited		99.99998
SEA APARTMENT 1, LLC	DE	Zurich American Insurance Company		100.00000
SEA APARTMENT 2, LLC	DE	Zurich American Insurance Company		100.00000
Serviaide Assistencia e Servicos, Lda.	PRT	AIDE Asistencia Seguros y Reaseguros, S.A. - Sociedad Uniper		95.00001
Serviaide Assistencia e Servicos, Lda.	PRT	Serviaide, S.A. - Sociedad Unipersonal		4.99999
Serviaide, S.A. - Sociedad Unipersonal	ESP	AIDE Asistencia Seguros y Reaseguros, S.A. - Sociedad Uniper		100.00000
Servizurich S.A. - Sociedad Unipersonal	ESP	Zurich Insurance plc, Sucursal en Espana		100.00000
SF Apt 1, LLC	DE	Zurich American Insurance Company		100.00000
SF Industrial 1, LLC	DE	Farmers New World Life Insurance Company		100.00000
SF Office 1, LLC	DE	Zurich American Insurance Company		100.00000
SF Office 4, LLC	DE	Zurich American Insurance Company		100.00000
Shire Park Limited	GBR	Zurich Assurance Ltd		12.41935
SOCIETE AVENUE LOUIS CASAI 86 SA	CHE	Zürich Lebensversicherungs-Gesellschaft AG		100.00000
Speigelhof Vastgoed B.V.	DEU	RE Curve Holding B.V.		100.00000
Springboard Health and Performance Pty Ltd	AUS	DTC Bidco Pty Ltd		100.00000
Steadfast Insurance Company	DE	Zurich American Insurance Company		100.00000
Steadfast Santa Clarita Holdings LLC	DE	Steadfast Insurance Company		100.00000
Sterling ISA Managers (Nominees) Limited	GBR	Sterling ISA Managers Limited		100.00000
Sterling ISA Managers Limited	GBR	Zurich Financial Services (UKISA) Limited		100.00000
Stratos Limited	NZL	DTC NZ Bidco Limited		100.00000
Sunley Homes Limited	GBR	Zurich Insurance plc		100.00000
Swiss Insurance Management (Hong Kong) Limited	HKG	Zurich Insurance Holdings (Hong Kong) Limited		99.50495
Swiss Insurance Management (Hong Kong) Limited	HKG	Zurich Services (Hong Kong) Limited		0.49505
TDG Tele Dienste GmbH	DEU	Zurich Beteiligungs-Aktiengesellschaft (Deutschland)		100.00000
Tennyson Insurance Limited	GBR	Zurich Holdings (UK) Limited		100.00000
The Liverpool Reversionary Company Limited	GBR	Eagle Star Insurance Company Limited		100.00000
The Trust Company of Scotland Limited	GBR	Zurich Insurance plc		100.00000
The Zurich Services Corporation	IL	Zurich Holding Company of America, Inc.		100.00000
TopReport Schadenbesichtigungs GmbH	AUT	Zurich Versicherungs-Aktiengesellschaft		14.28571
Travel Ace Chile S.A.	CHL	Travel Ace Internacional de Servicios S.A.		1.00000
Travel Ace Chile S.A.	CHL	Zürich Versicherungs-Gesellschaft AG		99.00000
Travel Ace Internacional de Servicios S.A.	URY	Zürich Versicherungs-Gesellschaft AG		100.00000
Travel Assist Pty Limited	AUS	ASTIS Holdings Limited		100.00000
Travel Insurance Partners Pty Ltd	AUS	Travel Assist Pty Limited		100.00000
Travelex Insurance Services Limited	DE	Cover-More Holdings USA Inc.		100.00000
Truck Underwriters Association	CA	Farmers Group, Inc.		100.00000
Turegum Immobilien AG	CHE	Zurich Versicherungs-Gesellschaft AG		100.00000
UA Assistance S.A. de C.V.	MEX	Travel Ace Internacional de Servicios S.A.		0.00000
UA Assistance S.A. de C.V.	MEX	Zürich Versicherungs-Gesellschaft AG		100.00000
Universal Assistance Assistencia Ao Viajante Ltda	BRA	Perunsel S.A.		0.00000
Universal Assistance Chile S.A.	CHL	Travel Ace Internacional de Servicios S.A.		0.02000
Universal Assistance Chile S.A.	CHL	Travel Ace Chile S.A.		99.98000
Universal Assistance S.A.	ARG	World Wide Assistance S.A.		92.71000
Universal Assistance S.A.	ARG	Zürich Versicherungs-Gesellschaft AG		7.29000
Universal Assistance S.A.	URY	Zürich Versicherungs-Gesellschaft AG		100.00000
Universal Travel Assistance S.A.S.	COL	Zürich Versicherungs-Gesellschaft AG		100.00000
Universal Underwriters Insurance Company	IL	Zurich American Insurance Company		100.00000
Universal Underwriters of Texas Insurance Company	IL	Universal Underwriters Insurance Company		100.00000
Universal Underwriters Service Corporation	MO	Zurich Holding Company of America, Inc.		100.00000
Unviversal Assistance Inc.	FL	Universal Assistance S.A.		0.00000
Vehicle Dealer Solutions, Inc.	FL	Zurich Holding Company of America, Inc.		100.00000
Winchester Land, LLC	FL	R3 FL Holdings, LLC		100.00000
Winn-Dixie MGP Manager, Inc.	DE	Zurich Structured Finance, Inc.		100.00000
Wohnen H3B Humboldthafen GmbH&Co.KG	DEU	REX-ZDHL S.C.S. SICAV-SIF		94.90000
World Travel Protection Canada Inc.	CAN	Zurich Canadian Holdings Limited		100.00000
World Wide Assistance S.A.	ARG	Zürich Versicherungs-Gesellschaft AG		100.00000
Wrightway Underwriting Limited	IRL	Ballykilliane Holdings Limited		100.00000
Z flex Gesellschaft fur Personaldienstleistungen mbH	DEU	Zurich Beteiligungs-Aktiengesellschaft (Deutschland)		100.00000
ZCM (U.S.) Limited	DE	Zurich Finance Company Ltd		100.00000
ZCM Asset Holding Company (Bermuda) Limited	BMU	Zurich Finance Company Ltd		100.00000
ZCM Matched Funding Corp.	CYM	Zurich Capital Markets Inc.		100.00000
ZFUS Services, LLC	DE	Zurich Holding Company of America, Inc.		100.00000
ZGEE3 Limited	GBR	Zurich Insurance Company (U.K.) Limited		100.00000
ZNA Services, LLC	DE	ZFUS Services, LLC		100.00000
ZPC Capital Limited	GBR	Zurich Holdings (UK) Limited		100.00000
ZSF / Collierville, LLC	DE	Collierville Center, LP		100.00000
ZSF / Office KY, LLC	DE	Euclid Office LP		100.00000
ZSF / Office NV, LLC	DE	Euclid Office LP		100.00000
ZSF / Office NY, LLC	DE	Euclid Office LP		100.00000
ZSF 99-4, Inc.	IL	CTH Affordable Housing Corporation		100.00000
ZSF KY Annex, LLC	DE	Euclid KY Annex, LP		100.00000
ZSF Newport I Corporation	IL	CTH Affordable Housing Corporation		100.00000
ZSF/Bloomington, LLC	DE	Bloomington Office LP		100.00000
ZSF/C1 MGP Manager, Inc	DE	Zurich Structured Finance, Inc.		100.00000
ZSF/C1 MGP, LLC	DE	Zurich Structured Finance, Inc.		99.00000
ZSF/C1 MGP, LLC	DE	ZSF/C1 MGP Manager, Inc		1.00000
ZSF/C2 MGP Manager, Inc	DE	Zurich Structured Finance, Inc.		100.00000
ZSF/C2 MGP, LLC	DE	Zurich Structured Finance, Inc.		99.00000
ZSF/C2 MGP, LLC	DE	ZSF/CF2 MGP Manager, Inc.		1.00000
ZSF/Dallas Tower, LLC	DE	Dallas Tower LP		100.00000
ZSF/Kansas, LLC	DE	Kansas City Office LP		100.00000
ZSF/Land Parcels LLC	DE	Zurich Structured Finance, Inc.		100.00000
ZSF/Research Gateway, LLC	DE	Raleigh/Durham Offices, L.P.		100.00000
ZSF/WD Fitzgerald, LLC	DE	Euclid Warehouses LP		100.00000
ZSF/WD Hammond, LLC	DE	Euclid Warehouses LP		100.00000
ZSF/WD Jacksonville, LLC	DE	Euclid Warehouses LP		100.00000
ZSF/WD Montgomery 31, LLC	DE	Euclid Warehouses LP		100.00000
ZSF/WD Opa Locka, LLC	DE	Euclid Warehouses LP		100.00000
ZSF/WD Orlando, LLC	DE	Euclid Warehouses LP		100.00000
ZSFH LLC	DE	Zurich Holding Company of America, Inc.		100.00000
ZSG Kfz-ZulassungsservicegesmbH	AUT	Zurich Versicherungs-Aktiengesellschaft		33.33333
ZSL Financing Limited	GBR	Zurich Holdings (UK) Limited		1.00000
ZSL Financing Limited	GBR	Zurich Specialties London Limited		99.00000
Zurich - Companhia de Seguros Vida S.A.	PRT	Zurich Finanz-Gesellschaft AG		0.00002
Zurich - Companhia de Seguros Vida S.A.	PRT	Zurich Investments Life S.p.A.		0.00002
Zurich - Companhia de Seguros Vida S.A.	PRT	Zurich Lebensversicherungs-Gesellschaft AG		99.99990
Zurich - Companhia de Seguros Vida S.A.	PRT	Zurich Versicherungs-Gesellschaft AG		0.00002
Zurich - Companhia de Seguros Vida S.A.	PRT	Zurich Vida, Companía de Seguros y Reaseguros, S.A. - Socied		0.00002
Zurich (Scotland) Limited Partnership	GBR	Zurich General Partner (Scotland) Ltd		100.00000
Zurich Administradora General de Fondos S.A.	CHL	Chilena Consolidada Seguros de Vida S.A.		99.97013
Zurich Administradora General de Fondos S.A.	CHL	Inversiones Suizo Chilena S.A.		0.02987
Zurich Advice Network Limited	GBR	Allied Dunbar Assurance plc		100.00000
Zurich AFIN Mexico, S.A. DE C.V.	MEX	Zurich Compania de Sefuros, S.A.		0.00200
Zurich AFIN Mexico, S.A. DE C.V.	MEX	Zurich Versicherungs-Gesellschaft AG		99.99800
Zurich Agency Services Inc.	MA	Zurich Holding Company of America, Inc.		100.00000
Zurich Alternative Asset Management, LLC	DE	Zurich Holding Company of America, Inc.		100.00000
Zurich America Latina Serviços Brasil Ltda.	BRA	Zurich Lebensversicherungs-Gesellschaft AG		0.01000
Zurich America Latina Serviços Brasil Ltda.	BRA	Zurich Versicherungs-Gesellschaft AG		99.99000
Zurich American Corporation	DE	Zurich Holding Company of America, Inc.		100.00000
Zurich American Insurance Company	NY	Zurich Holding Company of America, Inc.		100.00000
Zurich American Insurance Company of Illinois	IL	American Zurich Insurance Company		100.00000
Zurich American Life Insurance Company	IL	Zurich American Corporation		100.00000
Zurich American Life Insurance Company of New York	NY	Zurich American Life Insurance Company.		100.00000
Zurich Argentina Cia. de Seguros S.A.	ARG	Inversiones Suizo-Argentina S.A.		55.46140
Zurich Argentina Cia. de Seguros S.A.	ARG	Zurich Versicherungs-Gesellschaft AG		44.53611
Zurich Argentina Companía de Seguros de Retiro S.A.	ARG	Zurich Argentina Cia. de Seguros S.A.		46.64193
Zurich Argentina Companía de Seguros de Retiro S.A.	ARG	Zurich Versicherungs-Gesellschaft AG		53.35807
Zurich Argentina Reaseguros S.A.	ARG	Zürich Versicherungs-Gesellschaft AG		100.00000
Zurich Aseguradora Argentina S.A.	ARG	Zürich Versicherungs-Gesellschaft AG		99.90000
Zurich Aseguradora Mexicana, S.A. de C.V.	MEX	Zürich Versicherungs-Gesellschaft AG		100.00000
Zurich Aseguradora Mexicana, S.A. de C.V.	MEX	Zürich Lebensversicherungs-Gesellschaft AG		0.00000
Zurich Asset Management Gerente de Fondos Comunes de Inversi	ARG	Inversiones Suizo-Argentina S.A.		89.99990
Zurich Asset Management Gerente de Fondos Comunes de Inversi	ARG	Isis S.A.		10.00010
Zurich Assurance Ltd	GBR	Eagle Star Holdings Limited		100.00000
Zurich Australia Limited	AUS	Zurich Financial Services Australia Limited		100.00000
Zurich Australian Insurance Limited	AUS	Zurich Financial Services Australia Limited		100.00000
Zurich Australian Insurance Properties Pty Limited	AUS	Zurich Australia Limited		40.00000
Zurich Australian Insurance Properties Pty Limited	AUS	Zurich Australian Insurance Limited		60.00000
Zurich Australian Property Holdings Pty Ltd	AUS	Zürich Versicherungs-Gesellschaft AG		100.00000
Zurich Australian Superannuation Pty Limited	AUS	Zurich Financial Services Australia Limited		100.00000
Zurich Bank International Limited	GBR	Dunbar Assets Ireland		100.00000
Zurich Benefit Finance LLC	DE	Zurich Holding Company of America, Inc.		100.00000
Zurich Beteiligungs-Aktiengesellschaft (Deutschland)	DEU	Zurich IT Service AG Niederlassung fur Deutschland		82.61672
Zurich Beteiligungs-Aktiengesellschaft (Deutschland)	DEU	Zurich Leben Service AG Niederlassung fur Deutschland		17.38328
Zurich Brasil Capitalizacao S.A	BRA	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Brasil Companhia de Seguros	BRA	Zurich Minas Brasil Seguros S.A.		100.00000
Zurich Building Control Services Limited	GBR	Zurich Holdings (UK) Limited		100.00000
Zurich Canadian Holdings Limited	CAN	Zurich Insurance Company Ltd, Canadian Branch		68.81942
Zurich Canadian Holdings Limited	CAN	Zurich Versicherungs-Gesellschaft AG		31.18058
Zurich Capital Markets Inc.	DE	ZCM (U.S.) Limited		100.00000
Zurich Capital Markets Securities Inc.	DE	Zurich Capital Markets Inc.		100.00000
Zurich Colombia Seguros S.A.	COL	Zurich Versicherungs-Gesellschaft AG		94.90000
Zurich Colombia Seguros S.A.	COL	Zurich Lebensversicherungs-Gesellschaft AG		5.10000
Zurich Community Trust (UK) Limited	GBR	Zurich Financial Services (UKISA) Limited		50.00000
Zurich Community Trust (UK) Limited	GBR	Zurich Financial Services (UKISA) Nominees Limited		50.00000
Zurich Compania de Reaseguros Argentina S.A.	ARG	Zurich Versicherungs-Gesellschaft AG		5.00000
Zurich Compania de Reaseguros Argentina S.A.	ARG	Inversiones Suizo-Argentina S.A.		95.00000
Zurich Companía de Seguros, S.A.	MEX	Zurich Versicherungs-Gesellschaft AG		99.88280
Zurich Computer Services Limited	GBR	Allied Dunbar Assurance plc		100.00000
Zurich Consultoria de Riesgos, C.A.	VEN	Zurich Seguros, S.A.		99.99000
Zurich Corredora de Bolsa S.A.	CHL	Inversiones Suizo Chilena S.A.		99.00030
Zurich Corredora de Bolsa S.A.	CHL	Zurich Investments Chile S.A.		0.99970
Zurich Customer Active Management, d.o.o.	SVN	Zürich Versicherungs-Gesellschaft AG		100.00000
Zurich CZI Management Holding Ltd.	DE	Zurich Global Investment Management Inc.		100.00000
Zurich Deutscher Herold Lebensversicherung Aktiengesellschaf	DEU	Deutscher Herold Aktiengesellschaft		67.54030
Zurich Deutscher Herold Lebensversicherung Aktiengesellschaf	DEU	Zurich Beteiligungs-Aktiengesellschaft (Deutschland)		32.45970
Zurich E&S Insurance Brokerage, Inc.	CA	Zurich American Insurance Company		100.00000
Zurich Employment Services Limited	GBR	Zurich Financial Services (UKISA) Limited		100.00000
Zurich Engineering Inspection Services Ireland Limited	IRL	Zurich Insurance plc		100.00000
Zurich Eurolife S.A.	LUX	Zurich Lebensversicherungs-Gesellschaft AG		90.00000
Zurich Eurolife S.A.	LUX	Zurich Versicherungs-Gesellschaft AG		10.00000
Zurich F&I Reinsurance T&C Limited	TCA	Zurich Agency Services Inc.		0.00050
Zurich F&I Reinsurance T&C Limited	TCA	Universal Underwriters Service Corporation		99.99950
Zurich Fianzas Mexico, S.A.DE C.V.	MEX	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Finance (Australia) Limited	AUS	Zürich Versicherungs-Gesellschaft AG		100.00000
Zurich Finance (Bermuda) Ltd.	BMU	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Finance (Luxembourg) S.A.	LUX	Zurich Lebensversicherungs-Gesellschaft AG		0.08065
Zurich Finance (Luxembourg) S.A.	LUX	Zurich Versicherungs-Gesellschaft AG		99.91935
Zurich Finance (UK) plc	GBR	Zurich Financial Services (UKISA) Limited		99.99800
Zurich Finance (UK) plc	GBR	Zurich Financial Services (UKISA) Nominees Limited		0.00200
Zurich Finance Company Ltd	CHE	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Financial Management Limited	GBR	Allied Dunbar Assurance plc		100.00000
Zurich Financial Services (Isle of Man) Group Services Limit	GBR	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Financial Services (Isle of Man) Holdings Limited	GBR	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Financial Services (Isle of Man) Insurance Manager Lt	GBR	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Financial Services (UKISA) Group Services Limited	GBR	Zurich Financial Services (UKISA) Limited		100.00000
Zurich Financial Services (UKISA) Limited	GBR	Allied Zurich Holdings Limited		90.31559
Zurich Financial Services (UKISA) Limited	GBR	Zurich Insurance plc		9.68441
Zurich Financial Services (UKISA) Nominees Limited	GBR	Zurich Financial Services (UKISA) Limited		100.00000
Zurich Financial Services Australia Limited	AUS	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Financial Services EUB Holdings Limited	IRL	Zurich Ins Group		0.08333
Zurich Financial Services EUB Holdings Limited	IRL	Zurich Insurance Group Ltd.		99.91667
Zurich Financial Services UK Pension Trustee Limited	GBR	Zurich Financial Services (UKISA) Limited		99.00000
Zurich Finanz-Gesellschaft AG	CHE	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich General Insurance Company (China) Limited	CHN	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich General Insurance Malaysia Berhad	MYS	Zürich Versicherungs-Gesellschaft AG		100.00000
Zurich General Partner (Scotland) Ltd	GBR	Allied Zurich Holdings Limited		100.00000
Zurich GL Servicios Mexico, S.A. de C.V.	MEX	Zurich Vida, Compañía de Seguros, S.A.		95.00000
Zurich GL Servicios Mexico, S.A. de C.V.	MEX	Zurich Companía de Seguros, S.A.		5.00000
Zurich Global Corporate UK Limited	GBR	Zurich Holdings (UK) Limited		100.00000
Zurich Global Investment Management Inc.	DE	Zurich Holding Company of America, Inc.		100.00000
Zurich Global, Ltd.	BMU	Zurich Holding Company of America, Inc.		100.00000
Zurich Group Pension Services (UK) Ltd	GBR	Zurich Assurance Ltd		100.00000
Zurich GSG Limited	GBR	Zurich GSH Limited		100.00000
Zurich GSH Limited	GBR	Zurich Holdings (UK) Limited		100.00000
Zurich Holding Company of America, Inc.	DE	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Holding Ireland Limited	IRL	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Holdings (UK) Limited	GBR	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Immobilien Liegenschaftsverwaltungs-GesmbH	AUT	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Independent Wealth Management Limited	GBR	Allied Dunbar Assurance plc		100.00000
Zurich Insurance Company (U.K.) Limited	GBR	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Insurance Company Escritorio de Representacao no Bras	BRA	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Insurance Company Ltd., Beijing Representative Office	CHN	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Insurance Company Ltd., Representative Office Buenos Aires	ARG	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Insurance Group Ltd.	CHE	Board of Directors
Zurich Insurance Holdings (Hong Kong) Limited	HKG	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Insurance Malaysia Berhad	MYS	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Insurance plc	IRL	Zurich Beteiligungs-Aktiengesellschaft (Deutschland)		25.07428
Zurich Insurance plc	IRL	Zurich Holding Ireland Limited		70.40509
Zurich Insurance plc	IRL	Zurich Insurance Company Ltd - Rappresentanza Generale per l		4.52063
Zurich Insurance plc, Representative Office Buenos Aires	ARG	Zurich Insurance plc		100.00000
Zurich Intermediary Group Limited	GBR	Zurich Financial Services (UKISA) Limited		99.99995
Zurich Intermediary Group Limited	GBR	Zurich Financial Services (UKISA) Nominees Limited		0.00005
Zurich Internacional de Venezuela, C.A. de Corretaje de Reas	VEN	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich International (UK) Limited	GBR	Zurich Holdings (UK) Limited		100.00000
Zurich International Life Limited	GBR	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich International Pensions Administration Limited	IMN	Zurich International Life Limited		100.00000
Zurich International Services (Luxembourg) S.A.	LUX	Zurich Eurolife S.A.		0.04000
Zurich International Services (Luxembourg) S.A.	LUX	Zurich Versicherungs-Gesellschaft AG		99.96000
Zurich Invest AG	CHE	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Invest ICAV	IRL	Zürich Versicherungs-Gesellschaft AG		50.00000
Zurich Invest ICAV	IRL	Zurich Invest AG		50.00000
Zurich Investment Management AG	CHE	Farmers Group, Inc.		80.00000
Zurich Investment Management AG	CHE	Zurich Versicherungs-Gesellschaft AG		20.00000
Zurich Investment Management Limited	AUS	Zurich Australia Limited		100.00000
Zurich Investment Services (UK) Limited	GBR	Allied Zurich Holdings Limited		100.00000
Zurich Investment Services Limited	BMU	Zurich Finance Company Ltd		100.00000
Zurich Investments Life S.p.A.	ITA	Zurich Insurance Company Ltd - Rappresentanza Generale per l		100.00000
Zurich JVCompany Servicios Mexico, S.A. DE C.V.	MEX	Zurich Vida, Compania de Seguros, S.A.		0.00200
Zurich JVCompany Servicios Mexico, S.A. DE C.V.	MEX	Zurich Santander Seguros Mexico, S.A.		99.99800
Zurich Kunden Center GmbH	DEU	Zurich Beteiligungs-Aktiengesellschaft (Deutschland)		100.00000
Zurich Latin America Corporation	FL	Zurich Holding Company of America, Inc.		100.00000
Zurich Latin America Holding S.L. - Sociedad Unipersonal	ESP	Zurich Lebensversicherungs-Gesellschaft AG		100.00000
Zurich Latin American Services S.A.	ARG	Inversiones Suizo-Argentina S.A.		6.32000
Zurich Latin American Services S.A.	ARG	Zurich Versicherungs-Gesellschaft AG		93.68000
Zurich Lebensversicherungs-Gesellschaft AG	CHE	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Leisure Services Limited	GBR	Allied Dunbar Assurance plc		100.00000
Zurich Life Assurance plc	IRL	Zurich Holding Ireland Limited		100.00000
Zurich Life Insurance (Hong Kong) Limited	HKG	Zürich Versicherungs-Gesellschaft AG		100.00000
Zurich Life Insurance (Singapore) Pte Ltd	SGP	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Life Insurance Company Ltd., Representative office Buenos Aires	ARG	Zurich Lebensversicherungs-Gesellschaft AG		100.00000
Zurich Management (Bermuda) Ltd	BMU	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Management Services Limited	GBR	Zurich Holdings (UK) Limited		100.00000
Zurich Minas Brasil Seguros S.A,	BRA	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Pension Trustees Ireland Limited	IRL	Zurich Insurance plc		50.00000
Zurich Pension Trustees Ireland Limited	IRL	Zurich Trustee Services Limited		50.00000
Zurich Pension Trustees Limited	GBR	Zurich Assurance Ltd		100.00000
Zurich Pensions Management Limited	GBR	Allied Dunbar Assurance plc		100.00000
Zurich Pensionskassen-Beratung AG	CHE	Zurich Lebensversicherungs-Gesellschaft AG		100.00000
Zurich Professional Limited	GBR	Zurich Holdings (UK) Limited		100.00000
Zurich Project Finance (UK) Limited	GBR	Zürich Versicherungs-Gesellschaft AG		100.00000
Zurich Properties Pty Limited	AUS	Zurich Australia Limited		40.00056
Zurich Properties Pty Limited	AUS	Zurich Australian Insurance Limited		59.99944
Zurich Property Services Malaysia Sdn Bhd	MYS	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Realty, Inc.	MD	Zurich Holding Company of America, Inc.		100.00000
Zurich Rechtsschutz-Schadenservice GmbH	DEU	Zurich Beteiligungs-Aktiengesellschaft (Deutschland)		100.00000
Zurich Reliable Insurance Limited	RUS	Zurich Versicherungs-Gesellschaft AG		99.90000
Zurich Reliable Insurance Limited	RUS	Zurich Versicherungs-Aktiengesellschaft		0.10000
Zurich Resseguradora Brasil S.A.	BRA	Zurich Versicherungs-Gesellschaft AG		99.99999
Zurich Resseguradora Brasil S.A.	BRA	Zurich Lebensversicherungs-Gesellschaft AG		0.00001
Zurich Risk Consulting RU	RUS	Zurich Reliable Insurance		100.00000
Zurich Risk Management Services (India) Private Limited	IND	Zürich Rückversicherungs-Gesellschaft AG		1.00000
Zurich Risk Management Services (India) Private Limited	IND	Zurich Versicherungs-Gesellschaft AG		99.00000
Zurich Risk Services Asia Pacific Sdn Bhd	MYS	Zurich Management Services Limited		100.00000
Zurich Roadside Assistance Malaysia Sdn Bhd	MYS	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Ruckversicherungs-Gesellschaft AG	CHE	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Sacramento, Inc.	CA	JFS/ZSF 1998, L.P.		100.00000
Zurich Santander Brasil Odonto LTDA.	BRA	Zurich Santander Brasil Seguros e Previdência S.A.		99.00000
Zurich Santander Brasil Odonto LTDA.	BRA	Zurich Santander Brasil Seguros S.A.		1.00000
Zurich Santander Brasil Seguros e Previdência S.A.	BRA	Zurich Latin America Holding S.L. - Sociedad Unipersonal		0.22007
Zurich Santander Brasil Seguros e Previdência S.A.	BRA	Zurich Santander Holding (Spain), S.L.		99.56848
Zurich Santander Brasil Seguros S.A.	BRA	Zurich Santander Brasil Seguros e Previdência S.A.		100.00000
Zurich Santander Holding (Spain), S.L.	ESP	Zurich Santander Insurance America, S.L.		100.00000
Zurich Santander Holding Dos (Spain), S.L.	ESP	Zurich Santander Insurance America, S.L.		100.00000
Zurich Santander Insurance America, S.L.	ESP	Zurich Latin America Holding S.L. - Sociedad Unipersonal		51.00000
Zurich Santander Seguros Argentina S.A.	ARG	Zurich Santander Insurance America, S.L.		96.00000
Zurich Santander Seguros Argentina S.A.	ARG	Inversiones ZS America SpA		4.00000
Zurich Santander Seguros de Vida Chile S.A.	CHL	Inversiones ZS America Dos Limitada		99.78173
Zurich Santander Seguros de Vida Chile S.A.	CHL	Inversiones ZS America SpA		0.21827
Zurich Santander Seguros Generales Chile S.A.	CHL	Inversiones ZS America Dos Limitada		99.50540
Zurich Santander Seguros Generales Chile S.A.	CHL	Inversiones ZS America SpA		0.49460
Zurich Santander Seguros Mexico, S.A.	MEX	Inversiones ZS America SpA		0.00053
Zurich Santander Seguros Mexico, S.A.	MEX	Zurich Santander Insurance America, S.L.		99.99947
Zurich Seguros Ecuador, S.A.	ECU	Zürich Versicherungs-Gesellschaft AG		100.00000
Zurich Seguros, S.A.	VEN	Cursud N.V.		69.21000
Zurich Seguros, S.A.	VEN	Inversora Alpina Financiadora de Primas, C.A.		0.00000
Zurich Seguros, S.A.	VEN	Zurich Consultoria de Riesgos, C.A.		0.00000
Zurich Service GmbH	DEU	Zurich Beteiligungs-Aktiengesellschaft (Deutschland)		100.00000
Zurich Service GmbH	DEU	Zurich Versicherungs-Aktiengesellschaft		100.00000
Zurich Services (Australia) Pty Limited	AUS	Zurich Financial Services Australia Limited		100.00000
Zurich Services (Hong Kong) Limited	HKG	Swiss Insurance Management (Hong Kong) Limited		0.00286
Zurich Services (Hong Kong) Limited	HKG	Zurich Insurance Holdings (Hong Kong) Limited		99.99714
Zurich Services A.I.E.	ESP	AIDE Asistencia Seguros y Reaseguros, S.A. - Sociedad Uniper		0.00008
Zurich Services A.I.E.	ESP	Bansabadell Pensiones, E.G.F.P, S.A.		0.00008
Zurich Services A.I.E.	ESP	Bansabadell Seguros Generales, S.A. de Seguros y Reaseguros		0.00008
Zurich Services A.I.E.	ESP	Bansabadell Vida S.A. de Seguros y Reaseguros		0.00008
Zurich Services A.I.E.	ESP	Zurich Insurance plc, Sucursal en Espana		97.18393
Zurich Services A.I.E.	ESP	Zurich Vida, Companía de Seguros y Reaseguros, S.A. - Socied		2.81550
Zurich Services Company (Pty) Ltd	AUS	Zürich Versicherungs-Gesellschaft AG		100.00000
Zurich Services US. LLC	DE	Farmers Group, Inc.		50.00000
Zurich Services US. LLC	DE	Zurich Holding Company of America, Inc.		50.00000
Zurich Servicios de Mexico, S.A. de. C.V.	MEX	Zurich Vida, Compania de Seguros, S.A.		90.00000
Zurich Servicios de Mexico, S.A. de. C.V.	MEX	Zurich, Compania de Seguros, S.A.		10.00000
ZURICH SERVICIOS DIRECTO ESPAÑA, S.L.	ESP	Zurich Insurance Mobile Solutions AG		100.00000
Zurich Servicios y Soporte México, S.A. de C.V.	MEX	Zürich Versicherungs-Gesellschaft AG		99.98000
Zurich Servicios y Soporte México, S.A. de C.V.	MEX	Zürich Lebensversicherungs-Gesellschaft AG		0.02000
Zurich Shared Services S.A.	CHL	Inversiones Suizo Chilena S.A.		99.98667
Zurich Shared Services S.A.	CHL	Zurich Investments Chile S.A.		0.01333
Zurich Sigorta A.S.	TUR	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Small Amount and Short Term Insurance Ltd	JPN	Zürich Versicherungs-Gesellschaft AG		100.00000
Zurich South America Invest AB	SWE	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Specialties London Limited	GBR	Zurich Holdings (UK) Limited		100.00000
Zurich Structured Finance, Inc.	DE	Zurich Finance Company Ltd		100.00000
Zurich Takaful Malaysia Berhad (ZTMB)	MYS	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Technical and Consulting Services (Beijing) Co. Ltd.	CHN	Zurich Insurance Holdings (Hong Kong) Limited		100.00000
Zurich Technology Malaysia Sdn Bhd	MYS	Zurich Technology Services Malaysia Sdn Bhd		100.00000
Zurich Technology Services Malaysia Sdn Bhd	MYS	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Training and Development Services Limited	GBR	Allied Dunbar Assurance plc		100.00000
Zurich Transitional Services Limited	GBR	Zurich Holdings (UK) Limited		100.00000
Zurich Travel Solutions Pty Limited	AUS	Zürich Versicherungs-Gesellschaft AG		100.00000
Zurich Treasury Services Limited	IRL	Zurich Financial Services EUB Holdings Limited		100.00000
Zurich Trustee Company (UK) Limited	GBR	Allied Dunbar Assurance plc		100.00000
Zurich Trustee Services Limited	IRL	Zurich Life Assurance plc		100.00000
Zurich UK General Employee Services Limited	GBR	Zurich UK General Services Limited		100.00000
Zurich UK General Services Limited	GBR	Zurich Holdings (UK) Limited		100.00000
Zurich Versicherungs-Aktiengesellschaft	AUT	Zurich Versicherungs-Gesellschaft AG		99.98125
Zurich Versicherungs-Gesellschaft AG	CHE	Zurich Insurance Group Ltd.		100.00000
Zurich Vida e Previdencia S.A.	BRA	Zurich Minas Brasil Seguros S.A,		100.00000
Zurich Vida, Companía de Seguros y Reaseguros, S.A. - Socied	ESP	Zurich Lebensversicherungs-Gesellschaft AG		100.00000
Zurich Vida, Companía de Seguros, S.A.	MEX	Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Warranty Solutions, Inc.	IL	American Zurich Insurance Company		100.00000
Zurich Whiteley Investment Trust Limited	GBR	Zurich Insurance plc		100.00000
Zurich Whiteley Trust Limited	GBR	Zurich Whiteley Investment Trust Limited		100.00000

Note 1: Zurich Insurance Plc operates branches in the following countries: Italy (AA-1364106), Portugal (AA-1820001), Spain (AA-1840150), and United Kingdom (AA-1780059).

Note 2: Zurich Versicherungs-Aktiengesellschaft operates a branch in Germany (AA-1340017)

Note 3: Zurich Versicherungs-Gesellschaft AG also known as Zurich Insurance Company, Ltd operates branches in the following countries: Bermuda (AA-3190825), Canada (AA-1560999), Hong Kong (AA-5324112), Ireland (AA-1780042), Japan (AA-1584115), and Singapore (AA-5760036). It also operates a management entity Alpina International (AA-1460010) in Switzerland.

Note 4: An affiliate entity is the attorney-in-fact of Farmers Insurance Exchange, Fire Insurance Exchange and Truck Insurance Exchange (collectively “Exchanges”). The reporting entity’s relationship to the Exchanges, their subsidiaries, and the affiliates that they manage is classified as OTHER.

Zurich Insurance Group Ltd conducts its primary insurance operations in the United States through two holding companies, each operating INDEPENDENTLY with its own staff:

Zurich Holding Company of America, Inc., an entity organized under the laws of the State of Delaware

Farmers Group, Inc., an entity organized under the laws of the State of Nevada

Country Code Key (Standard USPS Codes are used for U.S. States)

ANO	Netherlands Antilles	DEU	Germany	PRT	Portugal
ARG	Argentina	ESP	Spain	RUS	Russian Federation
AUT	Austria	FRA	France	SGP	Singapore
AUS	Australia	GBR	United Kingdom	SWE	Sweden
BHR	Bahrain	HKG	Hong Kong	SWZ	Swaziland
BMU	Bermuda	IDN	Indonesia	TCA	Turks & Caicos
BOL	Bolivia	IRL	Ireland	THA	Thailand
BRA	Brazil	IND	India	TUR	Turkey
BHS	Bahamas	ITA	Italy	TWN	Taiwan
CAN	Canada	JPN	Japan	URY	Uruguay
CHE	Switzerland	LBN	Lebanon	VEN	Venezuela
CHL	Chile	LUX	Luxembourg	VGB	Virgin Islands
CHN	China	MLT	Malta	ZAF	South Africa
COL	Colombia	MEX	Mexico
CYM	Cayman Islands	MYS	Malaysia

Item 27. Number of Contract Owners

As of March 31, 2019, the Registrant had approximately 32,497 qualified and non-qualified Advantage III Contract Owners.

Item 28. Indemnification

To the extent permitted by law of the State of Illinois and subject to all applicable requirements thereof, Article VI of the By-Laws of Zurich American Life Insurance Company (formerly Kemper Investors Life Insurance Company) (“ZALICO”) provides for the indemnification of any person against all expenses (including attorneys fees), judgments, fines, amounts paid in settlement and other costs actually and reasonably incurred by him in connection with any threatened, pending or completed action, suit or proceeding, whether civil, criminal, administrative or investigative in which he is a party or is threatened to be made a party by reason of his being or having been a director, officer, employee or agent of ZALICO, or serving or having served, at the request of ZALICO, as a director, officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise, or by reason of his holding a fiduciary position in connection with the management or administration of retirement, pension, profit sharing or other benefit plans including, but not limited to, any fiduciary liability under the Employee Retirement Income Security Act of 1974 and any amendment thereof, if he acted in good faith and in a manner he reasonably believed to be in and not opposed to the best interests of ZALICO, and with respect to any criminal action or proceeding, had no reasonable cause to believe his conduct was unlawful. The termination of any action, suit or proceeding by judgment, order, settlement, conviction, or upon a plea of nolo contendere or its equivalent, shall not, of itself, create a presumption that he did not act in good faith and in a manner which he reasonably believed to be in or not opposed to the best interests of ZALICO, and, with respect to any criminal action or proceeding, had reasonable cause to believe that his conduct was unlawful. No indemnification shall be made in respect of any claim, issue or matter as to which a director or officer shall have been adjudged to be liable for negligence or misconduct in the performance of his duty to the company, unless and only to the extent that the court in which such action or suit was brought or other court of competent jurisdiction shall determine upon application that, despite the adjudication of liability but in view of all the circumstances of the case, he is fairly and reasonably entitled to indemnity for such expenses as the court shall deem proper.

Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers, employees or agents of ZALICO pursuant to the foregoing provisions, or otherwise, ZALICO has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in that Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by ZALICO of expenses incurred or paid by a director, officer, employee of agent of ZALICO in the successful defense of any action, suit or proceeding) is asserted by such director, officer, employee or agent of ZALICO in connection with variable annuity contracts, ZALICO will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by ZALICO is against public policy as expressed in that Act and will be governed by the final adjudication of such issue.

Item 29.(a) Principal Underwriter

Investment Distributors, Inc. (“IDI”), acts as principal underwriter for the Protective Acquired Variable Annuity Separate Account. IDI also acts as principal underwriter for Zurich American Life Insurance Company’s ZALICO Variable Separate Account, ZALICO Variable Annuity Separate Account and Zurich American Life Insurance Company Variable Annuity Account C.

Item 29.(b) Information Regarding Principal Underwriter, Investors Distributors, Inc.

Name and Principal Business Address*	Position and Offices
Brown, Barry K.	Vice President, Operations and Assistant Secretary
Caldwell, Edwin V. II	President, Director and Vice President, Acquisition Services
Callaway, Steve M.	Senior Vice President, Senior Counsel, Secretary and Director
Creutzmann, Scott E.	Senior Vice President and Chief Compliance Officer
Debnar, Lawrence J.	Vice President, Financial Reporting and Assistant Financial Officer
Gilmer, Joseph F.	Assistant Vice President – Financial Reporting, Assistant Financial Officer and Director
Johnson, Julena G.	Compliance Director and Assistant Compliance Officer
Majewski, Carol L.	Assistant Vice President, Compliance and Assistant Compliance Officer
Morsch, Letitia	Vice President, Operations and Assistant Secretary
Tennent, Rayburn	Chief Financial Officer and Financial Analyst III

* Unless otherwise indicated, principal business address is 2801 Highway 280 South, Birmingham, Alabama, 35223.

(c) The following commissions were received by each principal underwriter, directly or indirectly, from the Registrant during the Registrant’s last fiscal year:

(1) Name of Principal Underwriter	(2) Net Underwriting Discounts and Commissions	(3) Compensation on Redemption	(4)  Brokerage Commissions	(5) Other Compensation
Investment Distributors, Inc.	N/A	None	N/A	N/A

Item 29.(c)

Not applicable.

Item 30. Location of Accounts and Records

Accounts, books and other documents required to be maintained by Section 31(a) of the Investment Company Act of 1940 and the Rules promulgated thereunder are maintained by Zurich American Life Insurance Company at its home office at 1299 Zurich Way, Schaumburg, Illinois 60196, or at Protective Life Insurance Company at 1707 N Randall Road, Suite 310, Elgin, IL 60123-7836.

Item 31. Management Services

Not applicable

Item 32. Undertakings and Representations

Representation Regarding Fees and Charges Pursuant to Section 26 of the Investment Company Act of 1940

Zurich American Life Insurance Company (“ZALICO”) represents that the fees and charges deducted under the Contract, in the aggregate, are reasonable in relation to the services rendered, the expenses expected to be incurred, and the risks assumed by ZALICO.

SIGNATURES

Pursuant to the requirements of the Securities Act of 1933 and the Investment Company Act of 1940, the Registrant hereby certifies that this Post-Effective Amendment No. 55 to the Registration Statement meets all the requirements for effectiveness under Rule 485(b) and has caused this Post-Effective Amendment No. 55 to the Registration Statement to be signed on its behalf, in the City of New York, and State of New York, on April 30, 2019.

		ZALICO VARIABLE ANNUITY SEPARATE ACCOUNT (Registrant)
Attest:	/s/ Patrick J. Carty	/s/ Cathy E. Ehrlich
	Patrick J. Carty, Vice President,	By: Cathy E. Ehrlich, Vice President
	General Counsel and Corporate	Chief Actuary, Appointed Actuary, and Illustration Actuary
	Secretary	(Signature)
		ZURICH AMERICAN LIFE INSURANCE COMPANY (Depositor)
Attest:	/s/ Patrick J. Carty	/s/ Cathy E. Ehrlich
	Patrick J. Carty, Vice President,	By: Cathy Ehrlich, Vice President,
	General Counsel and Corporate	Chief Actuary, Appointed Actuary, and Illustration Actuary
	Secretary	(Signature)

As required by the Securities Act of 1933, this Post-Effective Amendment No. 55 to the Registration Statement has been signed by the following persons in the capacities and on the dates indicated.

Signature	Title
David J. Dietz*/	Director, President, and Chief Executive Officer (Principal Executive Officer)
Vinay Awati */	Vice President, Chief Financial Officer, and Treasurer, Ad Interim (Principal Financial Officer and Principal Accounting Officer)
	Chairman of the Board, Director and Assistant Secretary
Richard J. Hauser*/
	Director and Controller
Colleen M. Zitt */
	Director
Stuart C. Berman*/
	Director
Bob J. Burne*/
	Director
Ira J. Kleinman*/
	Director
Louis W. Pietroluongo*/
	Director
Debra K. Broek*/
/s/ Cathy E. Ehrlich	* On April 30, 2019, as Attorney-in-Fact pursuant to powers of attorney filed herewith or by previous amendment
Cathy E. Ehrlich

EXHIBIT INDEX

The following exhibit is filed herewith.

Exhibit Number	Description
9.	Opinion and Consent of Counsel
10.	Consent of PricewaterhouseCoopers LLP
15.1	Powers of Attorney for Vinay Awati, Stuart C. Berman, Debra K. Broek, Bob J. Burne, David J. Dietz, Richard J. Hauser, Ira J. Kleinman, Louis W. Pietroluongo, and Coleen M. Zitt.