# EDGAR Filing Document

**Accession Number:** 0000914245
**File Stem:** 0001104659-26-047821
**Filing Date:** 2026-4
**Character Count:** 35707
**Document Hash:** 29e67aa904d36a77618e795c8525b6b1
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-26-047821.hdr.sgml**: 20260423

**ACCESSION NUMBER**: 0001104659-26-047821

**CONFORMED SUBMISSION TYPE**: N-VP

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260423

**DATE AS OF CHANGE**: 20260423

**EFFECTIVENESS DATE**: 20260423

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PROTECTIVE VARIABLE ANNUITY SEPARATE ACCOUNT
- **CENTRAL INDEX KEY:** 0000914245

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** TN
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** N-VP
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-116813
- **FILM NUMBER:** 26889551

**BUSINESS ADDRESS:**
- **STREET 1:** 2801 HIGHWAY 280 SOUTH
- **CITY:** BIRMINGHAM
- **STATE:** AL
- **ZIP:** 35223
- **BUSINESS PHONE:** 2052683109

**MAIL ADDRESS:**
- **STREET 1:** 2801 HIGHWAY 280 SOUTH
- **CITY:** BIRMINGHAM
- **STATE:** AL
- **ZIP:** 35223

## Series and Classes Contracts Data

### PROTECTIVE VARIABLE ANNUITY SEPARATE ACCOUNT (Series ID: S000010308)

| Class ID   | Class Name        | Ticker Symbol   |
|:---|:---|:---|
| C000028519 | Protective Access |  |

[**TABLE OF CONTENTS**](#TOCtm263024d4_nvp)

#### ANNUAL NOTICE

#### May 1, 2026

---

| | |
|:---|:---|
| ***ProtectiveAccess<sup>®</sup> Variable Annuity***  | *Protective Life Insurance Company <br>Protective Variable Annuity Separate Account <br>P.O. Box 10648 <br>Birmingham, Alabama 35202-0648 <br>Telephone: 1-800-456-6330 <br>www.protective.com*  |

---

This Annual Notice for the ProtectiveAccess<sup>®</sup> Variable Annuity, a group and individual flexible premium deferred variable annuity contract (the "Contract") issued by Protective Life Insurance Company, provides certain updated information about your Contract since May 1, 2025. In addition, this Annual Notice provides key information about your Contract that you should review, including a current list of Funds available under your Contract. Please read this Annual Notice carefully and retain it with your Contract prospectus for future reference.

The most recent prospectus for the Contract, dated May 1, 2007, (the "Prospectus") and supplements to the Prospectus contain more information about the Contract, including its features, benefits, and risks. You can find updated financial statements for Protective Variable Annuity Separate Account and for Protective Life Insurance Company, prospectuses for the Funds listed in the appendix, and other information about the Contract online at www.protective.com/productprospectus. You can also obtain this information at no cost by calling 1-800-456-6330 or by sending an email request to prospectus@protective.com.

The Contract is designed for investors who desire to accumulate capital on a tax deferred basis for retirement or other long term investment purposes, is not a short-term investment, and is not appropriate for an investor who needs ready access to cash. The Contract is complex investment and involves risks, including potential loss of principal. Withdrawals could result in taxes and tax penalties.

Protective Life Insurance Company's obligations under the Contract are subject to its financial strength and claims-paying ability.

Additional information about certain investment products, including variable annuities, has been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov.

#### The SEC has not approved or disapproved these securities or passed upon the adequacy of this Annual

#### Notice. Any representation to the contrary is a criminal offense.
Registration No. 333-116813

------

[**TABLE OF CONTENTS**](#TOCtm263024d4_nvp)

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| [SPECIAL TERMS](#idSPECIALTERM7349tm263024d4_nvp)  | [3](#idSPECIALTERM7349tm263024d4_nvp)  |
| [UPDATED INFORMATION ABOUT YOUR CONTRACT](#idUPDATEDINFO1379tm263024d4_nvp)  | [4](#idUPDATEDINFO1379tm263024d4_nvp)  |
|  [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#idIMPORTANTIN27127tm263024d4_nvp)  | [5](#idIMPORTANTIN27127tm263024d4_nvp)  |

---

 [APPENDIX:INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT](#idAPPENDIXINV39029tm263024d4_nvp)<sub>9</sub>

------

[**TABLE OF CONTENTS**](#TOCtm263024d4_nvp)

#### SPECIAL TERMS
**"We", "us", "our", "Protective Life", and "Company"** Refer to Protective Life Insurance Company. "You", "your", and "Owner" refer to the person(s) who have been issued a Policy.

**Allocation Option** Any account to which you may allocate Purchase Payments or transfer Contract Value under this Contract. The Allocation Options are the Sub-Accounts of the Variable Account and the Guaranteed Account available in this Contract. An Allocation Option is also referred to as an "Investment Option."

**Annuity Commencement Date** The date as of which the Annuity Value is applied to an Annuity Option.

**Annuity Option** The payout option under which the Company makes annuity income payments.

**Annuity Value** The amount we apply to the Annuity Option you have selected.

**Contract** The Protective, a flexible premium, deferred, variable annuity contract.

**Contract Anniversary** The same month and day as the Effective Date in each subsequent year of the Contract.

**Contract Value** Prior to the Annuity Commencement Date, the sum of the Variable Account value and the DCA Fixed Account(s) value.

**Contract Year** Any period of 12 months commencing with the Effective Date or any Contract Anniversary.

**DCA** Dollar cost averaging.

**Effective Date** The date as of which we credit the initial Purchase Payment to the Contract and the date the Contract takes effect.

**Fund** Any investment portfolio in which a corresponding Sub-Account invests.

**Monthly Anniversary Date** The same day each month as the Effective Date, or the last day of any month that does not have the same day as the Effective Date.

**Net Amount at Risk** The value of the death benefit minus the Contract Value.

**Purchase Payment** The amount(s) paid by the Owner and accepted by the Company as consideration for this Contract.

**Sub-Account** A separate division of the Variable Account.

**Variable Account** The Protective Variable Annuity Separate Account, a separate investment account of Protective Life.

------

[**TABLE OF CONTENTS**](#TOCtm263024d4_nvp)

#### UPDATED INFORMATION ABOUT YOUR CONTRACT
The information in this section of the Annual Notice is a summary of certain Contract features that have changed since May 1, 2025. This may not reflect all of the changes that have occurred since you entered into your Contract.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Templeton Asset Management Ltd. was removed as the sub-adviser for the Templeton Growth VIP Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; For updated Fund performance and fee information please see the APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT. <br>

------

[**TABLE OF CONTENTS**](#TOCtm263024d4_nvp)

#### IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT

---

| | |
|:---|:---|
| **FEES, EXPENSES, AND ADJUSTMENTS** | **FEES, EXPENSES, AND ADJUSTMENTS** |
| **Are There Charges or Adjustments for Early Withdrawals?** | **No. The Contract does not include charges for early withdrawal.** |
| **Are There Transaction Charges?** | **Yes.** You may be assessed a fee for each transfer after the first 12 transfers in a Contract Year. Currently, we do not assess a charge for transfers.<br> Some states impose premium taxes at rates currently ranging up to 3.5%. If premium taxes apply to your Contract, we will deduct them from the Purchase Payment(s) when accepted or from the Contract Value upon a full or partial surrender, death or annuitization.<br> The SecurePay Medical Evaluation Fee is assessed for each Covered Person when there is Joint Coverage under the SecurePay ME feature. Currently, this charge is $150 for Single Coverage and $300 for Joint Coverage. State variations may apply. See "SecurePay ME: Increased AWA for Certain Medical Conditions, How to Apply for an Increased AWA" in the prospectus for more information.<br> For additional information about transaction charges, see "FEES AND EXPENSES - OWNER TRANSACTION EXPENSES" and "CHARGES AND DEDUCTIONS" in the Prospectus. |
| **Are There Ongoing Fees and Expenses?** | **Yes.** The table below describes the fees and expenses that you may pay *each year*, depending on the options you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected. |

---

---

| | | |
|:---|:---|:---|
| **Annual Fee**  | **Minimum**  | **Maximum**  |
| Base contract <sup>(1)</sup> | 1.25% | 1.25% |
| Investment Options (Fund fees and expenses) <sup>(2)</sup> | 0.34% | 1.21% |
| Optional benefits available for an additional charge *(for a single optional benefit, if elected)* |  |  |
| Monthly Death Benefit Fee <sup>(3)</sup> |  |  |
| *CoverPay Fee (as an annualized percentage of the death benefit value on each Monthly Anniversary Day, beginning on the 1st Monthly Anniversary Day)* |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Maximum Anniversary Value Death Benefit Fee | 0.30% | 0.30% |
| &nbsp;&nbsp;&nbsp;&nbsp;Return of Purchase Payment Death Benefit Fee | 0.10% | 0.10% |
| -or- |  |  |
| *ValuPay Fee (dollar amount per $1,000 of Net Amount at Risk on each Monthly Anniversary Day, beginning on the 13th Monthly Anniversary Day)* |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Return of Purchase Payment Death Benefit Fee and Maximum Anniversary Value Death Benefit | $0.25 per <br>$1000 of Net <br>Amount at <br>Risk | $18.94 per <br>$1000 of Net <br>Amount at <br>Risk |
| Monthly Optional SecurePay Fee <sup>(4)</sup> |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;SecurePay rider at time of Contract purchase | 0.50% | 0.95% |
| &nbsp;&nbsp;&nbsp;&nbsp;SecurePay rider under RightTime Option | 0.60% | 0.95% |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(1)</sup> <br>

*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; We calculate the Base Contract fee by dividing the total amount we receive from the annual contract maintenance fee, the mortality and expense risk charge and the administration charge for the last fiscal year by the total average net assets attributable to the Contracts for that year. We will waive the annual contract maintenance fee if your Contract Value or aggregate Purchase Payments, reduced by surrenders, is $50,000 or more. (See "Charges and Deductions.")*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(2)</sup> <br>

 *As a percentage of Fund assets.* 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(3)</sup> <br>

*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; We assess a fee for the Return of Purchase Payments Death Benefit and the Maximum Anniversary Value Death Benefit. When you purchase your Contract, you elect either the CoverPay Fee or the ValuPay Fee for either of these death benefits. There is no death benefit fee for the Contract Value Death Benefit. (See "Charges and Deductions, Death Benefit Fee.") If your Contract was purchased before May 1, 2005, you also had the option of paying for the cost of your death benefit with an asset-based* 

------

[**TABLE OF CONTENTS**](#TOCtm263024d4_nvp)

*fee. The asset-based fee is equal, on an annual basis, to 0.15% of your average Contract Value measured on each Monthly Anniversary Day for the Return of Purchase Payments Death Benefit. If you elected the Annual Ratchet Death Benefit (now called the Maximum Anniversary Value Death Benefit), the asset-based fee is 0.45%.*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(4)</sup> <br>

*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; If we increase the SecurePay Fee, we will give you at least 30 days' notice prior to the increase. You may elect not to pay the increase in your SecurePay Fee, but your current Benefit Base will be capped and you will give up the opportunity for any future increases in the Benefit Base if your Contract Value exceeds your Benefit Base on subsequent Contract Anniversaries.*

Because your Contract is customizable, the options and benefits you choose can affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay *each year*, based on current charges. These estimates assume that you do not take any withdrawals from the Contract.

---

| | |
|:---|:---|
| **Lowest Annual Cost: <br>$1,612**  | **Highest Annual Cost: <br>$3,695**  |
| Assumes: | Assumes: |
| &nbsp;&nbsp;&nbsp; • &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Investment of $100,000 <br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5% annual appreciation<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Least expensive combination of Base Contract fee and Fund fees and expenses<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No optional benefits<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No sales charges<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No additional Purchase Payments, transfers or withdrawals<br>| &nbsp;&nbsp;&nbsp; • &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Investment of $100,000<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5% annual appreciation<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Most expensive combination of Base Contract fee, optional benefits and Fund fees and expenses<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No sales charges<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No additional Purchase Payments, transfers, or withdrawals<br>|

---

For additional information about annual charges, please see "FEES AND EXPENSES - Periodic Charges" and "CHARGES AND DEDUCTIONS" in the Prospectus.

---

| | |
|:---|:---|
| **RISKS** | **RISKS** |
| **Is There A Risk of Loss from Poor Performance?** | **Yes. You can lose money by investing in this Contract, including loss of principal.<br> For additional information about the risk of loss, see "THE COMPANY, VARIABLE ACCOUNT AND FUNDS" in the Prospectus.**  |
| **Is This a Short-Term Investment?** | **No.** This Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Although you are permitted to take withdrawals or surrender the Contract, federal and state income taxes may apply.<br> Withdrawals will reduce your Contract Value and death benefit. <br> The benefits of tax deferral and living benefit protections also mean the Contract is less beneficial to investors with a short time horizon.<br> For additional information about the investment profile of the Contract, see "DESCRIPTION OF THE CONTRACT," "CHARGES AND DEDUCTIONS," "FEDERAL TAX MATTERS," "TAXATION OF ANNUITIES IN GENERAL" and "QUALIFIED RETIREMENT PLANS" in the Prospectus. |
| **What Are the Risks Associated with Investment Options?** | An investment in this Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Investment Options available under the Contract.<br> Each Investment Option (including the guaranteed account) has its own unique risks.<br> You should review the prospectuses for the available Funds and consult with your financial professional before making an investment decision.<br> For additional information about the risks associated with Investment Options, see "THE COMPANY, VARIABLE ACCOUNT AND FUNDS" in the Prospectus. |

---

------

[**TABLE OF CONTENTS**](#TOCtm263024d4_nvp)

---

| | |
|:---|:---|
| **RISKS** | **RISKS** |
| **What Are the Risks Related to the Insurance Company?** | An investment in the Contract is subject to the risks related to the Company. Any obligations (including under the guaranteed account), guarantees, or benefits under the Contract are subject to the claims-paying ability of the Company. More information about the Company, including its financial strength ratings, is available upon request at no charge by calling us at 1-800-456-6330 or writing us at the address shown on the cover page.<br> For additional information about Company risks, see "THE COMPANY, VARIABLE ACCOUNT AND FUNDS" in the Prospectus. |

---

---

| | |
|:---|:---|
| **RESTRICTIONS** | **RESTRICTIONS** |
| **Are There Restrictions on the Investment Options?** | **Yes.** Currently, there is no charge when you transfer Contract Value among Investment Options. However, we reserve the right to charge $25 for each transfer after the first 12 transfers in any Contract Year in the future.<br> We reserve the right to remove or substitute Funds as Investment Options that are available under the Contract. We also reserve the right to restrict the allocation of additional Purchase Payments and/or transfers of Contract Value to a Fund if we determine the Fund no longer meets one or more of our Fund selection criteria and/or if a Fund has not attracted significant contract owner assets.<br> For additional information about Investment Options, see "CHARGES AND DEDUCTIONS – Transfer Fee" and "THE COMPANY, VARIABLE ACCOUNT AND FUNDS – Selection of Funds" and THE COMPANY, VARIABLE ACCOUNT AND FUNDS – Addition, Deletion or Substitutions of Investments" in the Prospectus. |
| **Are There Any Restrictions on Contract Benefits?** | &nbsp;&nbsp;&nbsp; **Yes. If you elect the SecurePay rider:**<br> • &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Sub-Accounts available to you under the Contract will be limited.<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; You may not make additional Purchase Payments two years or more after the rider issue date or on or after the Benefit Election Date, whichever comes first.<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Withdrawals from Contract Value that exceed the Annual Withdrawal Amount under the rider may significantly reduce or eliminate the rider benefits.<br>•  We may stop offering an optional benefit rider at any time.<br> If you purchased an optional death benefit, withdrawals may also reduce the benefit by an amount greater than the value withdrawn.<br> For additional information about the optional benefits, see and "DEATH BENEFIT - Selecting a Death Benefit" in the Prospectus. |

---

---

| | |
|:---|:---|
| **TAXES** | **TAXES** |
| **What Are the Contract's Tax Implications?** | You should consult with a qualified tax advisor regarding the federal tax implications of an investment in, payments received under, and other transactions in connection with this Contract.<br> If you purchase the Contract through a tax-qualified plan or individual retirement account (IRA), you do not get any additional tax deferral. Generally, all earnings on the investments underlying the Contract are tax-deferred until distributed or deemed distributed. A distribution from a non-Qualified Contract, which includes a surrender, withdrawal, payment of a death benefit or annuity income payments, will generally result in taxable income if there has been an increase in the Contract Value. In the case of a Qualified Contract, a distribution generally will result in taxable income even if there has not been an increase in the Contract Value. In certain circumstances, a 10% additional tax may also apply if the Owner takes a withdrawal before age 59½. All amounts includable in income with respect to the Contract are taxed as ordinary income; no amounts are taxed at the special lower rates applicable to long term capital gains and corporate dividends.<br> For additional information about tax implications, see "FEDERAL TAX MATTERS" and "TAXATION OF ANNUITIES IN GENERAL" in the Prospectus. |

---

------

[**TABLE OF CONTENTS**](#TOCtm263024d4_nvp)

---

| | |
|:---|:---|
| **CONFLICTS OF INTEREST** | **CONFLICTS OF INTEREST** |
| **How Are Investment Professionals Compensated?** | We pay compensation, in the form of commissions, non-cash compensation, and asset-based compensation, to broker-dealers in connection with the promotion and sale of the Contracts. A portion of any payments made to the broker-dealers may be passed on to their registered representatives in accordance with their internal compensation programs. The prospect of receiving, or the receipt of, asset-based compensation may provide broker-dealers and/or their registered representatives with an incentive to recommend continued investment in the Contracts over other variable insurance products (or other investments). You may wish to take such compensation arrangements into account when considering and evaluating any recommendation relating to the Contracts.<br> For additional information about compensation, see "DISTRIBUTION OF THE CONTRACTS" in the Prospectus. |
| **Should I Exchange My Contract?** | Some investment professionals may have a financial incentive to offer you a new contract in place of the contract you already own. You should only exchange your current contract if you determine, after comparing the features, fees, and risks of both contracts, that it is better for you to purchase the new contract rather than continue to own your existing contract.<br> For additional information about exchanges, see "TAXATION OF ANNUITIES IN GENERAL – Exchanges of Annuity Contracts" in the Prospectus. |

---

------

[**TABLE OF CONTENTS**](#TOCtm263024d4_nvp)

#### APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT
The following is a list of Funds available under the Contract. More information about the Funds is available in the prospectuses for the Funds, which may be amended from time to time and can be found online at www.protective.com/eprospectus. You can also request this information at no cost by calling 1-800-456-6330 or by sending an email request to prospectus@protective.com. Depending on the optional benefits you choose, you may not be able to invest in certain Funds.

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Asset <br>Allocation <br>Type** | **Portfolio Company - Investment Adviser; <br>*Sub-Adviser(s), as applicable*<sup>(2)</sup>** | **Net <br>Annual <br>Expenses – <br>Current <br>Expenses** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |
| **Asset <br>Allocation <br>Type** | **Portfolio Company - Investment Adviser; <br>*Sub-Adviser(s), as applicable*<sup>(2)</sup>** | **Net <br>Annual <br>Expenses – <br>Current <br>Expenses** | **1 Year**  | **5 Year**  | **10 Year**  |
| U.S. Equity | *Fidelity<sup>®</sup> VIP Contrafund<sup>®</sup> Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited* | 0.79% | 21.24% | 15.08% | 15.49% |
| U.S. Equity | *Fidelity<sup>®</sup> VIP Equity-Income Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited* | 0.71% | 18.75% | 12.23% | 11.32% |
| Allocation | Fidelity<sup>®</sup> VIP Freedom Funds - Freedom 2015 Portfolio℠ - Service Class 2 | 0.66% | 11.66% | 3.73% | 6.33% |
| Allocation | Fidelity<sup>®</sup> VIP Freedom Funds - Freedom 2020 Portfolio℠ - Service Class 2 | 0.69% | 12.99% | 4.57% | 7.11% |
| U.S. Equity | *Fidelity<sup>®</sup> VIP Growth Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited* | 0.80% | 14.63% | 13.42% | 17.16% |
| U.S. Equity | Fidelity<sup>®</sup> VIP Index 500 Portfolio - Service Class 2 - *Geode Capital Management, LLC* | 0.34% | 17.48% | 14.03% | 14.42% |
| Taxable Bond | *Fidelity<sup>®</sup> VIP Investment Grade Bond Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited* | 0.62% | 6.93% | -0.21% | 2.45% |
| U.S. Equity | *Fidelity<sup>®</sup> VIP Mid Cap Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited* | 0.80% | 11.49% | 9.83% | 10.31% |
| U.S. Equity | Franklin DynaTech VIP Fund - Class 2 | 0.88% | 18.13% | 9.09% | 14.08% |
| Allocation | Franklin Income VIP Fund - Class 2 | 0.72% | 12.56% | 7.66% | 7.30% |
| Allocation | Franklin Mutual Shares VIP Fund - Class 2 | 0.94% | 11.52% | 9.20% | 7.53% |
| U.S. Equity | Franklin Rising Dividends VIP Fund - Class 2 | 0.89% | 11.80% | 9.50% | 12.10% |
| U.S. Equity | Franklin Small-Mid Cap Growth VIP Fund - Class 2 | 1.09% | 2.52% | 1.03% | 9.89% |
| Taxable Bond | Franklin U.S. Government Securities VIP Fund - Class 2 | 0.79% | 6.69% | 0.02% | 1.14% |
| International <br>Equity | Goldman Sachs VIT International Equity Insights Fund - Institutional Class<sup>(1)</sup> | 0.81% | 38.48% | 11.08% | 8.23% |
| U.S. Equity | Goldman Sachs VIT Large Cap Value Fund - Institutional Class<sup>(1)</sup> | 0.70% | 10.88% | 11.26% | 9.61% |
| U.S. Equity | Goldman Sachs VIT Mid Cap Value Fund - Institutional Class<sup>(1)</sup><sup>(2)</sup> | 0.81% | 9.39% | 10.05% | 10.02% |
| U.S. Equity | Goldman Sachs VIT Small Cap Equity Insights Fund - Institutional Class<sup>(1)</sup> | 0.82% | 16.14% | 10.47% | 10.84% |

---

------

[**TABLE OF CONTENTS**](#TOCtm263024d4_nvp)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Asset <br>Allocation <br>Type** | **Portfolio Company - Investment Adviser; <br>*Sub-Adviser(s), as applicable*<sup>(2)</sup>** | **Net <br>Annual <br>Expenses – <br>Current <br>Expenses** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |
| **Asset <br>Allocation <br>Type** | **Portfolio Company - Investment Adviser; <br>*Sub-Adviser(s), as applicable*<sup>(2)</sup>** | **Net <br>Annual <br>Expenses – <br>Current <br>Expenses** | **1 Year**  | **5 Year**  | **10 Year**  |
| U.S. Equity | Goldman Sachs VIT Strategic Growth Fund - Institutional Class<sup>(1)</sup> | 0.70% | 17.92% | 12.75% | 16.41% |
| U.S. Equity | Goldman Sachs VIT U.S. Equity Insights Fund - Institutional Class<sup>(1)</sup> | 0.56% | 15.75% | 13.81% | 13.73% |
| U.S. Equity | Invesco<sup>®</sup> V.I. American Franchise Fund - Series II | 1.10% | 11.39% | 10.08% | 14.58% |
| U.S. Equity | Invesco<sup>®</sup> V.I. Comstock Fund - Series II | 1.00% | 17.14% | 15.14% | 11.67% |
| U.S. Equity | Invesco<sup>®</sup> V.I. Discovery Large Cap Fund - Series II<sup>(1)</sup> | 1.05% | 12.53% | 11.41% | 13.94% |
| U.S. Equity | Invesco<sup>®</sup> V.I. Discovery Mid Cap Growth Fund - Series II  | 1.11% | 4.53% | 3.64% | 11.10% |
| Allocation | Invesco<sup>®</sup> V.I. Equity and Income Fund - Series II | 0.82% | 12.52% | 8.68% | 8.64% |
| International <br>Equity | Invesco<sup>®</sup> V.I. EQV International Equity Fund - Series II  | 1.15% | 16.23% | 3.42% | 5.95% |
| International <br>Equity | Invesco<sup>®</sup> V.I. Global Fund - Series II | 1.06% | 15.02% | 7.01% | 10.72% |
| Taxable Bond | Invesco<sup>®</sup> V.I. Global Strategic Income Fund - Series II<sup>(1)</sup> | 1.20% | 12.75% | 1.39% | 2.76% |
| Taxable Bond | Invesco<sup>®</sup> V.I. Government Securities Fund - Series II | 0.95% | 6.95% | -0.22% | 1.34% |
| U.S. Equity | Invesco<sup>®</sup> V.I. Growth and Income Fund - Series II | 1.00% | 15.30% | 12.56% | 10.46% |
| U.S. Equity | Invesco<sup>®</sup> V.I. Main Street Fund<sup>®</sup> - Series II<sup>(1)</sup> | 1.05% | 15.64% | 12.19% | 12.25% |
| Money Market | Invesco<sup>®</sup> V.I. U.S. Government Money Portfolio - Series I  | 0.67% | 3.64% | 2.80% | 1.76% |
| Taxable Bond | Lord Abbett Series Fund - Bond Debenture Portfolio - Class VC | 0.98% | 8.33% | 2.10% | 4.72% |
| U.S. Equity | Lord Abbett Series Fund - Dividend Growth Portfolio - Class VC<sup>(1)</sup> | 0.99% | 15.98% | 12.34% | 13.06% |
| U.S. Equity | Lord Abbett Series Fund - Growth and Income Portfolio - Class VC | 0.93% | 17.29% | 13.34% | 11.12% |
| U.S. Equity | Lord Abbett Series Fund - Growth Opportunities Portfolio - Class VC | 1.15% | 12.94% | 3.23% | 10.41% |
| U.S. Equity | Lord Abbett Series Fund - Mid Cap Stock Portfolio - Class VC | 1.15% | 7.05% | 10.16% | 7.98% |
| U.S. Equity | MFS<sup>®</sup> VIT Growth Series - Service Class - Massachusetts Financial Services Company<sup>(1)</sup> | 0.98% | 11.90% | 10.82% | 15.31% |
| U.S. Equity | MFS<sup>®</sup> VIT II Massachusetts Investors Growth Stock Portfolio - Service Class - Massachusetts Financial Services Company<sup>(1)</sup> | 0.97% | 9.61% | 9.74% | 13.98% |
| U.S. Equity | MFS<sup>®</sup> VIT Investors Trust Series - Service Class - Massachusetts Financial Services Company<sup>(1)</sup> | 0.99% | 13.32% | 11.06% | 12.21% |
| U.S. Equity | MFS<sup>®</sup> VIT New Discovery Series - Service Class - Massachusetts Financial Services Company<sup>(1)</sup> | 1.12% | 12.56% | -0.54% | 10.46% |
| U.S. Equity | MFS<sup>®</sup> VIT Research Series - Service Class - Massachusetts Financial Services Company<sup>(1)</sup> | 0.99% | 12.57% | 10.87% | 12.65% |
| Allocation | MFS<sup>®</sup> VIT Total Return Series - Service Class - Massachusetts Financial Services Company<sup>(1)</sup> | 0.86% | 10.91% | 6.16% | 7.36% |
| Sector Equity | MFS<sup>®</sup> VIT Utilities Series - Service Class - Massachusetts Financial Services Company<sup>(1)</sup> | 1.03% | 14.76% | 7.38% | 9.22% |
| International <br>Equity | Templeton Foreign VIP Fund - Class 2<sup>(1)</sup> | 1.08% | 29.19% | 8.25% | 5.75% |
| Taxable Bond | Templeton Global Bond VIP Fund - Class 2 - Franklin Advisers, Inc.<sup>(1)</sup> | 0.75% | 15.73% | -0.96% | -0.15% |
| International <br>Equity | Templeton Growth VIP Fund - Class 2<sup>(1)</sup> | 1.12% | 23.83% | 7.95% | 7.04% |

---

<sup>(1)</sup> <br>

*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; These Funds and their investment advisers have entered into contractual fee waivers or expense reimbursement arrangements. These temporary fee reductions are reflected in their annual expenses. Those contractual* 

------

[**TABLE OF CONTENTS**](#TOCtm263024d4_nvp)

*arrangements are designed to reduce total annual Fund operating expenses for Contract Owners and will continue past the current year.*

<sup>(2)</sup> <br>

 *Please contact us if you any have questions about fund/portfolio availability.* 

The following is information for the fixed options currently available under the Contract. We may change the features of the fixed options listed below, offer new fixed options, and terminate existing fixed options. We will provide you with written notice before doing so.

---

| | | |
|:---|:---|:---|
| **Name**  | **Term**  | **Minimum Guaranteed <br>Interest Rate**  |
| Fixed Account | 1 Year | 3% |
| DCA Fixed Account\* | Varies | 3% |

---

\* In Oregon, only your initial Purchase Payment may be allocated to a DCA Fixed Account.

------

[**TABLE OF CONTENTS**](#TOCtm263024d4_nvp)

Please retain this Annual Notice for future reference. The last Prospectus and Statement of Additional Information for this Contract, dated May 1, 2007, contains more information about the Contract. The SAI may be obtained, free of charge, in the same manner as the Prospectus.

EDGAR Contract Identifier: C000028519

------