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Annuity Product

MultiOption® Guide B Series Variable Annuity

MultiOption® Guide B and L Series Prospectus

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AB Variable Products Series Fund, Inc.	Summary Prospectus	Statutory Prospectus	First quarter holdings report	Semi-Annual Report	Third quarter holdings report	Annual Report	Statement of Additional Information
AB VPS Dynamic Asset Allocation - Class B

AIM Variable Insurance Funds (Invesco Variable Insurance Funds)	Summary Prospectus	Statutory Prospectus	First quarter holdings report	Semi-Annual Report	Third quarter holdings report	Annual Report	Statement of Additional Information
Invesco Oppenheimer V.I. International Growth Fund Series II Shares
Invesco V.I. American Value - Series II
Invesco V.I. Comstock - Series II
Invesco V.I. Equity and Income - Series II
Invesco V.I. Small Cap Equity - Series II

American Century Variable Portfolios, Inc.	Summary Prospectus	Statutory Prospectus	First quarter holdings report	Semi-Annual Report	Third quarter holdings report	Annual Report	Statement of Additional Information
American Century VP Inflation Protection - Class II

American Funds Insurance Series®	Summary Prospectus	Statutory Prospectus	First quarter holdings report	Semi-Annual Report	Third quarter holdings report	Annual Report	Statement of Additional Information
American Funds IS Capital World Bond - Class 2
American Funds IS Global Growth - Class 2
American Funds IS Global Small Cap - Class 2
American Funds IS Growth - Class 2
American Funds IS Growth-Income - Class 2
American Funds IS International - Class 2
American Funds IS New World - Class 2
American Funds IS U.S. Govt. Sec - Class 2

BlackRock® Variable Series Funds, Inc.	Summary Prospectus	Statutory Prospectus	First quarter holdings report	Semi-Annual Report	Third quarter holdings report	Annual Report	Statement of Additional Information
BlackRock International Index V.I. Fund - Class III Shares
BlackRock Small Cap Index V.I. Fund - Class III Shares

Fidelity® Variable Insurance Products Funds	Summary Prospectus	Statutory Prospectus	First quarter holdings report	Semi-Annual Report	Third quarter holdings report	Annual Report	Statement of Additional Information
Fidelity® VIP Bond Index Portfolio - Service Class 2 Shares
Fidelity® VIP Equity-Income Portfolio℠ - Service Class 2
Fidelity® VIP Mid Cap Portfolio - Service Class 2

Franklin Templeton Variable Insurance Products Trust	Summary Prospectus	Statutory Prospectus	First quarter holdings report	Semi-Annual Report	Third quarter holdings report	Annual Report	Statement of Additional Information
Franklin Small Cap Value VIP Fund - Class 2
Templeton Developing Markets VIP Fund - Class 2

Goldman Sachs Variable Insurance Trust	Summary Prospectus	Statutory Prospectus	First quarter holdings report	Semi-Annual Report	Third quarter holdings report	Annual Report	Statement of Additional Information
Goldman Sachs VIT Global Trends Alloc - Svc. Shares
Goldman Sachs VIT High Qual. Floating Rate - Svc. Shares

Ivy Variable Insurance Portfolios	Summary Prospectus	Statutory Prospectus	First quarter holdings report	Semi-Annual Report	Third quarter holdings report	Annual Report	Statement of Additional Information
Delaware Ivy VIP Asset Strategy - Class II
Delaware Ivy VIP Balanced - Class II
Delaware Ivy VIP Core Equity - Class II
Delaware Ivy VIP Global Growth - Class II
Delaware Ivy VIP High Income - Class II
Delaware Ivy VIP International Core Equity - Class II
Delaware Ivy VIP Mid Cap Growth - Class II
Delaware Ivy VIP Natural Resources - Class II
Delaware Ivy VIP Pathfinder Moderate-Mgd Vol - Class II
Delaware Ivy VIP Pathfinder Moderately Aggressive-Mgd Vol - Class II
Delaware Ivy VIP Pathfinder Moderately Conservative-Mgd Vol - Class II
Delaware Ivy VIP Science & Technology - Class II
Delaware Ivy VIP Small Cap Core - Class II
Delaware Ivy VIP Small Cap Growth - Class II
Delaware Ivy VIP Value - Class II

Janus Aspen Series	Summary Prospectus	Statutory Prospectus	First quarter holdings report	Semi-Annual Report	Third quarter holdings report	Annual Report	Statement of Additional Information
Janus Henderson VIT Balanced - Service Shares
Janus Henderson VIT Flexible Bond - Service Shares
Janus Henderson VIT Forty - Service Shares
Janus Henderson VIT Mid Cap Value - Service Shares
Janus Henderson VIT Overseas - Service Shares

Legg Mason Partners Variable Equity Trust	Summary Prospectus	Statutory Prospectus	First quarter holdings report	Semi-Annual Report	Third quarter holdings report	Annual Report	Statement of Additional Information
ClearBridge Variable Small Cap Growth - Class II

MFS® Variable Insurance Trust	Summary Prospectus	Statutory Prospectus	First quarter holdings report	Semi-Annual Report	Third quarter holdings report	Annual Report	Statement of Additional Information
MFS® VIT II International Intrinsic Value - Service Class

Morgan Stanley Variable Insurance Fund, Inc.	Summary Prospectus	Statutory Prospectus	First quarter holdings report	Semi-Annual Report	Third quarter holdings report	Annual Report	Statement of Additional Information
Morgan Stanley VIF Emerging Markets Equity - Class II

Morningstar ETF Allocation Series	Summary Prospectus	Statutory Prospectus	First quarter holdings report	Semi-Annual Report	Third quarter holdings report	Annual Report	Statement of Additional Information
Morningstar Aggressive Growth ETF Asset Allocation - Class II
Morningstar Balanced ETF Asset Allocation - Class II
Morningstar Conservative ETF Asset Allocation - Class II
Morningstar Growth ETF Asset Allocation - Class II
Morningstar Income & Growth ETF Asset Allocation - Class II

Neuberger Berman Advisers Management Trust	Summary Prospectus	Statutory Prospectus	First quarter holdings report	Semi-Annual Report	Third quarter holdings report	Annual Report	Statement of Additional Information
Neuberger Berman AMT Sustainable Equity Portfolio - S Class

Northern Lights Variable Trust (TOPS)	Summary Prospectus	Statutory Prospectus	First quarter holdings report	Semi-Annual Report	Third quarter holdings report	Annual Report	Statement of Additional Information
TOPS® Managed Risk Balanced ETF Portfolio - Class 2
TOPS® Managed Risk Flex ETF Portfolio
TOPS® Managed Risk Growth ETF Portfolio - Class 2
TOPS® Managed Risk Moderate Growth ETF Portfolio - Class 2

PIMCO Variable Insurance Trust	Summary Prospectus	Statutory Prospectus	First quarter holdings report	Semi-Annual Report	Third quarter holdings report	Annual Report	Statement of Additional Information
PIMCO VIT Global Diversified Allocation - Advisor Class
PIMCO VIT Low Duration - Advisor Class
PIMCO VIT Total Return - Advisor Class

Putnam Variable Trust	Summary Prospectus	Statutory Prospectus	First quarter holdings report	Semi-Annual Report	Third quarter holdings report	Annual Report	Statement of Additional Information
Putnam VT Growth Opportunities - Class IB
Putnam VT International Value Fund - Class IB Shares
Putnam VT Large Cap Value - Class IB

Securian Funds Trust	Summary Prospectus	Statutory Prospectus	First quarter holdings report	Semi-Annual Report	Third quarter holdings report	Annual Report	Statement of Additional Information
SFT Balanced Stabilization Fund
SFT Core Bond - Class 2
SFT Equity Stabilization Fund
SFT Government Money Market
SFT Index 400 Mid-Cap - Class 2
SFT Index 500 - Class 2
SFT International Bond - Class 2
SFT Ivy℠ Growth Fund
SFT Ivy℠ Small Cap Growth Fund
SFT Real Estate Securities - Class 2
SFT T. Rowe Price Value Fund
SFT Wellington Core Equity Fund - Class 2

Some products and optional features or benefits may not be available in all states; features or benefits may vary by state. Variable products not available in New York.