# EDGAR Filing Document

**Accession Number:** 0000919020
**File Stem:** 0001193125-26-163028
**Filing Date:** 2026-4
**Character Count:** 27866
**Document Hash:** 3c22720f41523c93e9aa68521f99292c
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-163028.hdr.sgml**: 20260420

**ACCESSION NUMBER**: 0001193125-26-163028

**CONFORMED SUBMISSION TYPE**: N-VP

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260420

**DATE AS OF CHANGE**: 20260420

**EFFECTIVENESS DATE**: 20260420

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** AMERICAN SEPARATE ACCOUNT NO 3
- **CENTRAL INDEX KEY:** 0000919020

**ORGANIZATION NAME:**
- **EIN:** 941516991
- **STATE OF INCORPORATION:** NY
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** N-VP
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 033-75280
- **FILM NUMBER:** 26873788

**BUSINESS ADDRESS:**
- **STREET 1:** 320 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022
- **BUSINESS PHONE:** 2122241600

**MAIL ADDRESS:**
- **STREET 1:** 320 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022

## Series and Classes Contracts Data

### AMERICAN SEPARATE ACCOUNT NO 3 (Series ID: S000011563)

| Class ID   | Class Name                               | Ticker Symbol   |
|:---|:---|:---|
| C000031852 | Variable Universal Life Insurance Policy |  |

**Registration No. 33-75280**

**Annual Notice** 

**Dated May 1, 2026**

to Policyowners of <br>Variable Universal Life Insurance Policy ("VUL Policies") issued by <br>Wilton Reassurance Life Company of New York, formerly known as <br>The American Life insurance Company of New York, ("Wilton Re of New York"), <br>through its American Separate Account No. 3

This Annual Notice ("Annual Notice") provides you with an update of changes to your Policy that have occurred since May 1, 2025. In addition, this Annual Notice provides key information about your policy that you should review, including a list of Underlying Funds available under your policy. Please read this Annual Notice carefully and retain it with your policy prospectus for future reference.

The most recent prospectus, dated May 1, 2000, contains more information about the VUL Policies, including its features, benefits, and risks. You can find the prospectuses, statements of additional information and shareholder reports for the Underlying Funds listed in the appendix to this Annual Notice, the most recent audited financial statements of the separate account and Wilton Re of New York, and other information about the policies online at *mutualofamerica.com*/AmericanLifeSA3Funds. You can also obtain this information at no cost by calling 800.574.9267 or by sending an email request to mutualofamerica@dfinsolutions.com.

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

**The Securities and Exchange Commission has not approved these securities or determined that this Annual Notice is accurate or complete. Any representation to the contrary is a criminal offense.**

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**DEFINITIONS WE USE IN THIS ANNUAL NOTICE**

***Accelerated Benefit***—The portion of the Death Proceeds payable before the death of the insured person when the insured person is determined to have a terminal illness and is expected to live for 12 months or less.

**Account Value**—The value of a Policyowner's Accumulation Units in the Separate Account Funds plus the value of amounts held in the General Account for the Policyowner. As used in this Prospectus, the term "Account Value" may mean all or any part of your total Account Value.

**Accumulation Unit**—A measure we use to calculate the value of a Policyowner's interest in each of the Separate Account Funds. Each Subaccount has its own Accumulation Unit value.

**Death Proceeds**—An amount equal to the sum of the Basic Death Benefit and amounts payable under any policy riders, minus the sum of any Policy Loans and any unpaid monthly deductions, subject to any applicable adjustments for misrepresentation, suicide or misstatement of age and/or sex.

**General Account**—Assets we own that are not in a separate account, but rather are held as part of our general assets. We sometimes refer to the General Account as the Interest Accumulation Account, because amounts you allocate to the General Account earn interest at a rate that we change from time to time.

**Insured Person**—The person on whose life a Policy is issued, or in other words the person whose death will trigger payment of a death benefit under your Policy.

***Investment Alternatives***—Our General Account and the Separate Account Funds. You may allocate your premiums and transfer your Account Value among the Investment Alternatives.

***Maturity Date***—The Policy Anniversary on which the insured person's attained age equals 100.

***Payroll Deduction Program***—A program established by an employer under which it agrees with its participating employees to deduct on each pay date from the employees' salaries the scheduled premium payments for Policies owned by the employees, their spouses or minor children. The employer remits the premiums to us.

***Payroll Deduction Rider***—A rider to a Policy issued under a Payroll Deduction Program. If required by your State, we will incorporate the provisions regarding Payroll Deduction into your Policy in lieu of issuing a rider.

***Policy Loan***—The outstanding principal and unpaid accrued interest for any loan in effect under a Policy.

***Policyowner***—The person designated on the Policy Specification Pages of your Policy as the owner.

***Proceeds***—The amount we will pay upon (a) surrender of the Policy, (b) the death of the insured person or (c) the Maturity Date, which amount will vary depending on the type of Proceeds being paid.

***Processing Office***—The office of Wilton Re of New York, or any other location we may announce by advance written notice to Policyowners, a field office we have designated, our toll-free telephone facility or our Financial Transaction Processing Center, depending on the transaction requested.

***Separate Account***—American Separate Account No. 3, a separate account of Wilton Re of New York maintained under the laws of New York State and registered with the Securities and Exchange Commission under the Investment Company Act of 1940. The assets of the Separate Account are set aside and kept separate from our other assets.

***Separate Account Fund***—A division of the Separate Account which invests its assets exclusively in a corresponding Underlying Fund of the same name.

***Surrender Proceeds***—Amount payable upon surrender of a Policy, equal to the Account Value minus any Policy Loans outstanding at the time of surrender.

***Underlying Funds***—The funds or portfolios that are invested in by the Separate Account Funds.

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***Valid Transaction Date***—The Business Day on which all of the requirements for the completion of a transaction have been met. This includes receipt by us at our Processing Office of all information, remittances, notices and papers necessary to process the requested transaction. If requirements are met on a day that is not a Business Day, or after the close of a Business Day, the Valid Transaction Date will be the next following Business Day.

***We, us, our, Wilton Re of New York***—Refer to Wilton Reinsurance Life Company of New York.

***Written Request***—A written request on an administrative form provided by us or in a form otherwise acceptable to us.

***You, your***—Refer to a Policyowner.

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**Important Information You Should Consider About the VUL Policies**

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| | | | | |
|:---|:---|:---|:---|:---|
|  | **Fees and Expenses** | **Fees and Expenses** | **Fees and Expenses** | &nbsp;&nbsp; **Location in** <br> **Prospectus**<br>|
| **Charges for Early** <br> **Withdrawals**<br>| &nbsp;&nbsp; We do not impose any transfer or withdrawal charges. <br> You may withdraw any portion of your Account Balance (before <br> the death of the Insured Person). A partial withdrawal must be in <br> an amount of at least $500, may not reduce the Account Value <br> to less than $100, and cannot exceed the Account Value minus <br> any Policy Loans.<br> You may make partial withdrawals of your Account Balance <br> (minus any Policy Loans) or surrender the Policy and receive the <br> Surrender Proceeds due under the Policy. You may take any of <br> these actions prior to the Maturity Date of the Policy when the <br> Insured Person is still living. <br> Surrender Proceeds equal your Account Balance minus any <br> Policy Loans you have outstanding at the time of surrender and <br> any due and unpaid charges. You may surrender your Policy and <br> obtain the Surrender Proceeds at any time prior to the Maturity <br> Date. To surrender your Policy, you must submit the Policy and a <br> Written Request to our Processing Office, and the Insured <br> Person must be alive on the surrender date. We will calculate the <br> Surrender Proceeds as of the Valid Transaction Date of the <br> surrender, and all insurance benefits, and supplemental benefits <br> you have added, under your Policy will then cease. | &nbsp;&nbsp; We do not impose any transfer or withdrawal charges. <br> You may withdraw any portion of your Account Balance (before <br> the death of the Insured Person). A partial withdrawal must be in <br> an amount of at least $500, may not reduce the Account Value <br> to less than $100, and cannot exceed the Account Value minus <br> any Policy Loans.<br> You may make partial withdrawals of your Account Balance <br> (minus any Policy Loans) or surrender the Policy and receive the <br> Surrender Proceeds due under the Policy. You may take any of <br> these actions prior to the Maturity Date of the Policy when the <br> Insured Person is still living. <br> Surrender Proceeds equal your Account Balance minus any <br> Policy Loans you have outstanding at the time of surrender and <br> any due and unpaid charges. You may surrender your Policy and <br> obtain the Surrender Proceeds at any time prior to the Maturity <br> Date. To surrender your Policy, you must submit the Policy and a <br> Written Request to our Processing Office, and the Insured <br> Person must be alive on the surrender date. We will calculate the <br> Surrender Proceeds as of the Valid Transaction Date of the <br> surrender, and all insurance benefits, and supplemental benefits <br> you have added, under your Policy will then cease. | &nbsp;&nbsp; We do not impose any transfer or withdrawal charges. <br> You may withdraw any portion of your Account Balance (before <br> the death of the Insured Person). A partial withdrawal must be in <br> an amount of at least $500, may not reduce the Account Value <br> to less than $100, and cannot exceed the Account Value minus <br> any Policy Loans.<br> You may make partial withdrawals of your Account Balance <br> (minus any Policy Loans) or surrender the Policy and receive the <br> Surrender Proceeds due under the Policy. You may take any of <br> these actions prior to the Maturity Date of the Policy when the <br> Insured Person is still living. <br> Surrender Proceeds equal your Account Balance minus any <br> Policy Loans you have outstanding at the time of surrender and <br> any due and unpaid charges. You may surrender your Policy and <br> obtain the Surrender Proceeds at any time prior to the Maturity <br> Date. To surrender your Policy, you must submit the Policy and a <br> Written Request to our Processing Office, and the Insured <br> Person must be alive on the surrender date. We will calculate the <br> Surrender Proceeds as of the Valid Transaction Date of the <br> surrender, and all insurance benefits, and supplemental benefits <br> you have added, under your Policy will then cease. | &nbsp;&nbsp; Access to Your <br> Account Balance <br> Partial <br> Withdrawals and <br> Surrender of <br> Policy; Transfers of <br> Account Balance <br>|
| **Transaction** <br> **Charges**<br>| &nbsp;&nbsp; There are no charges for other transactions under the Policy, <br> other than certain fees associated with Policy Loans, <br> supplemental insurance benefits, and an Accelerated Benefit. | &nbsp;&nbsp; There are no charges for other transactions under the Policy, <br> other than certain fees associated with Policy Loans, <br> supplemental insurance benefits, and an Accelerated Benefit. | &nbsp;&nbsp; There are no charges for other transactions under the Policy, <br> other than certain fees associated with Policy Loans, <br> supplemental insurance benefits, and an Accelerated Benefit. | &nbsp;&nbsp; Charges and <br> Deductions You <br> Will Pay<br>|
| **Ongoing Fees** <br> **and Expenses** <br> **(annual charges)** | &nbsp;&nbsp; In addition to transaction charges, an investment in the Policy is <br> subject to certain ongoing fees and expenses, including fees and <br> expenses covering the cost of insurance under the Policy and <br> the cost of optional benefits under the Policy, and such fees and <br> expenses are set based on characteristics of the insured. Please <br> refer to your Policy specifications page for rates applicable to <br> your Policy. <br> Investors will also bear expenses associated with the Underlying <br> Funds under the Policy, as shown in the table below.  | &nbsp;&nbsp; In addition to transaction charges, an investment in the Policy is <br> subject to certain ongoing fees and expenses, including fees and <br> expenses covering the cost of insurance under the Policy and <br> the cost of optional benefits under the Policy, and such fees and <br> expenses are set based on characteristics of the insured. Please <br> refer to your Policy specifications page for rates applicable to <br> your Policy. <br> Investors will also bear expenses associated with the Underlying <br> Funds under the Policy, as shown in the table below.  | &nbsp;&nbsp; In addition to transaction charges, an investment in the Policy is <br> subject to certain ongoing fees and expenses, including fees and <br> expenses covering the cost of insurance under the Policy and <br> the cost of optional benefits under the Policy, and such fees and <br> expenses are set based on characteristics of the insured. Please <br> refer to your Policy specifications page for rates applicable to <br> your Policy. <br> Investors will also bear expenses associated with the Underlying <br> Funds under the Policy, as shown in the table below.  | &nbsp;&nbsp; Charges and <br> Deductions You <br> Will Pay |
| **Ongoing Fees** <br> **and Expenses** <br> **(annual charges)** | **Annual Fee**  | **Minimum** | **Maximum** | &nbsp;&nbsp; Charges and <br> Deductions You <br> Will Pay |
| **Ongoing Fees** <br> **and Expenses** <br> **(annual charges)** | &nbsp;&nbsp; Investment options (Underlying <br> Fund fees and expenses)<br>| 0.09% | 0.64% | &nbsp;&nbsp; Charges and <br> Deductions You <br> Will Pay |
|  | **Risks** | **Risks** | **Risks** |  |
| **Risk of Loss** | You can lose money by investing in this Policy. | You can lose money by investing in this Policy. | You can lose money by investing in this Policy. | &nbsp;&nbsp; Introduction and <br> Summary<br>|

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**Risks** 

**Restrictions** 

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| | | |
|:---|:---|:---|
|  | **Restrictions** |  |
| **Optional Benefits** | &nbsp;&nbsp; We may make one or more supplemental insurance benefits <br> available by rider to your Policy, including accidental death <br> coverage and coverage for children of an Insured Person. <br> Currently, supplemental insurance benefits are available only for <br> Policies with Payroll Deduction Riders. We will charge you a <br> monthly fee for any supplemental insurance benefits you select.<br> You may borrow up to 95% of your Account Balance in the <br> General Account, minus any existing Policy Loans. Each Policy <br> Loan must be for at least $500, and you must assign the Policy <br> to us as collateral. We will charge you interest on the Policy <br> Loan, and we may change the interest rate from time to time. We <br> deduct any Policy Loans from the amount otherwise due you <br> upon the surrender or maturity of the Policy or from the Death <br> Proceeds due upon the death of the Insured Person.<br> We will not permit you to make withdrawals or transfers of the <br> collateral amount while the loan is outstanding. Amounts <br> borrowed in a loan do not participate in the Subaccount <br> investment experience. Loans, therefore, can affect the Account <br> Value and death benefit whether or not the loan is repaid. Death <br> benefit proceeds payable will be reduced by the amount of any <br> outstanding Policy Loan plus accrued interest. | &nbsp;&nbsp; Policy Features <br> and Payment of <br> Premiums<br> Charges and <br> Deductions You <br> Will Pay <br> Access to Your <br> Account Balance <br>|
|  | **Taxes** |  |
| **Tax Implications** | &nbsp;&nbsp; You should consult with a tax professional to determine the tax <br> implications of an investment in and payments received under <br> the Policy. There is no additional tax benefit to you if the Policy is <br> purchased through a tax-qualified plan or individual retirement <br> account. Withdrawals will be subject to ordinary income tax and <br> may be subject to tax penalties.  | &nbsp;&nbsp; Federal Tax <br> Considerations <br>|
|  | **Conflicts of Interest** |  |
| **Investment** <br> **Professional** <br> **Compensation** <br>| Wilton Re of New York no longer offers the Policy for sale. | Policy Issue |
| **Exchanges**  | &nbsp;&nbsp; Because the Policy is no longer sold, you would not be affected <br> by a scenario in which you are asked to replace an existing life <br> insurance policy you own with a new purchase of this Policy. In <br> general, you should be aware that some investment <br> professionals may have a financial incentive to offer you a new <br> policy in place of the Policy you already own. Thus, in general, <br> you should only exchange your Policy if you determine, after <br> comparing the features, fees, and risks of both policies, that it is <br> preferable for you to purchase the new policy rather than <br> continue to own the existing Policy.  | Policy Issue |

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**Appendix: Underlying Funds Available as Investment Options under the IRA Contracts and FPA Contracts**

The following is a list of Underlying Funds available under the Contracts. More information about the Underlying Funds is available in the prospectuses for the Underlying Funds, which may be amended from time to time and are available on our website, mutualofamerica.com/AmericanLifeSA2Funds. You can also request this information at no cost by calling 800.574.9267 or by sending an email request to mutualofamerica@dfinsolutions.com.

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

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Type/Investment**<br> **Objective** | **Underlying Fund**<br> **and**<br> **Adviser/Subadviser** | **Current** <br> **Expenses**<sup>1</sup> | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** |
| **Type/Investment**<br> **Objective** | **Underlying Fund**<br> **and**<br> **Adviser/Subadviser** | **Current** <br> **Expenses**<sup>1</sup> | **1 year** | **5 year** | **10 year** | **Life of** <br> **Fund**<br>|
| Equity Fund<br> Seeks capital growth<br>| LVIP American Century <br> Capital Appreciation <br> Fund<br> Adviser: Lincoln Financial <br> Investments Corporation<br> SubAdviser: American <br> Century Investment <br> Management, Inc.<br>| 0.57% | 6.95% | 5.49% |  | 12.13% |
| Fixed Income Fund<br> Seeks to provide as <br> high a level of current <br> income as is consistent <br> with the preservation of <br> capital<br>| American <br> Funds Insurance Series – <br> The Bond Fund of <br> America (Class 1)<br> Adviser: Capital <br> Research and <br> Management Company<br>| 0.22% | 7.40% | 0.10% | 2.61% |  |
| Balanced Fund<br> Seeks to achieve <br> competitive total return <br> through actively <br> managed portfolio of <br> stocks, bonds, and <br> money market <br> instruments which offer <br> income and capital <br> growth opportunity<br>| Calvert VP SRI Balanced <br> Portfolio<br> Adviser: Calvert <br> Research and <br> Management<br>| 0.64% | 11.48% | 8.68% | 9.81% |  |
| Equity Fund<br> Seeks to achieve <br> long-term capital <br> appreciation<br>| Dimensional VA U.S. <br> Targeted Value Portfolio<br> Adviser: Dimensional <br> Fund Advisors LP<br>| 0.29% | 8.95% | 13.60% | 11.00% |  |
| Equity Fund<br> Seeks to provide <br> long-term growth of <br> capital<br>| DWS Capital Growth VIP<br> Adviser: DWS Investment <br> Management Americas, <br> Inc.<br>| 0.49% | 12.53% | 10.92% | 15.29% |  |

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|:---|:---|:---|:---|:---|:---|:---|
| **Type/Investment**<br> **Objective** | **Underlying Fund**<br> **and**<br> **Adviser/Subadviser** | **Current** <br> **Expenses**<sup>1</sup> | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** |
| **Type/Investment**<br> **Objective** | **Underlying Fund**<br> **and**<br> **Adviser/Subadviser** | **Current** <br> **Expenses**<sup>1</sup> | **1 year** | **5 year** | **10 year** | **Life of** <br> **Fund**<br>|
| Equity Fund<br> Seeks investment <br> results that correspond <br> to the total return of <br> common stocks <br> publicly traded in the <br> United States , as <br> represented by the <br> S&P 500® Index<br>| Fidelity VIP Index 500 <br> (Initial Class)<br> Adviser: Fidelity <br> Management & Research <br> Company LLC (FMR)<br> Subadvisers: FMR <br> Investment Management <br> (UK) Limited, Fidelity <br> Management & Research <br> (Hong Kong) Limited, and <br> Fidelity Management & <br> Research Japan Limited <br> serve as sub-advisers.<br>| 0.09% | 17.78% | 14.31% | 14.70% |  |
| Equity Fund<br> Seeks long-term capital <br> appreciation<br>| Fidelity VIP Contrafund® <br> Portfolio<br> Adviser: Fidelity <br> Management & Research <br> Company LLC (FMR)<br> Subadvisers: FMR <br> Investment Management <br> (UK) Limited, Fidelity <br> Management & Research <br> (Hong Kong) Limited, and <br> Fidelity Management & <br> Research Japan Limited <br> serve as sub-advisers.<br>| 0.54% | 21.52% | 15.37% | 15.78% |  |
| Equity Fund<br> Seeks reasonable <br> income and will also <br> consider potential for <br> capital appreciation. <br> Fund's goal is to <br> achieve a yield which <br> exceeds the composite <br> yield on the securities <br> comprising the S&P <br> 500® Index<br>| Fidelity VIP <br> Equity-Income Portfolio<br> Adviser: Fidelity <br> Management & Research <br> Company LLC (FMR)<br> Subadvisers: FMR <br> Investment Management <br> (UK) Limited, Fidelity <br> Management & Research <br> (Hong Kong) Limited, and <br> Fidelity Management & <br> Research Japan Limited <br> serve as sub-advisers.<br>| 0.46% | 19.02% | 12.51% | 11.60% |  |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Type/Investment**<br> **Objective** | **Underlying Fund**<br> **and**<br> **Adviser/Subadviser** | **Current** <br> **Expenses**<sup>1</sup> | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** |
| **Type/Investment**<br> **Objective** | **Underlying Fund**<br> **and**<br> **Adviser/Subadviser** | **Current** <br> **Expenses**<sup>1</sup> | **1 year** | **5 year** | **10 year** | **Life of** <br> **Fund**<br>|
| Balanced Fund<br> Seeks to obtain high <br> total return with <br> reduced risk over the <br> long term by allocating <br> Fund assets among <br> stocks, bonds, and <br> short-term instruments<br>| Fidelity VIP Asset <br> Manager Portfolio<br> Adviser: Fidelity <br> Management & Research <br> Company LLC (FMR)<br> Subadvisers: FMR <br> Investment Management <br> (UK) Limited, Fidelity <br> Management & Research <br> (Hong Kong) Limited, and <br> Fidelity Management & <br> Research Japan Limited <br> serve as sub-advisers.<br>| 0.51% | 14.98% | 5.67% | 7.13% |  |
| Fixed Income Fund<br> Seeks to maximize <br> current income to the <br> extent consistent with <br> the preservation of <br> capital and the <br> maintenance of<br> liquidity by investing <br> exclusively in high <br> quality money market <br> instruments<br>| Goldman Sachs VIT <br> Government Money <br> Market Fund <br> (Institutional)<br> Adviser: Goldman Sachs <br> Asset Management, L.P.<br>| 0.43% | 4.20% | 3.18% | 1.73% |  |
| Equity Fund<br> Seeks to provide <br> long-term capital <br> appreciation<br>| Vanguard Variable <br> Insurance <br> Fund International <br> Portfolio®<br> Advisers: Baillie Gifford <br> Overseas Ltd. And <br> Schroder Investment <br> Management North <br> America Inc.<br>| 0.32% | 19.97% | 0.62% | 10.48% |  |
| Balanced Fund<br> Seeks to provide <br> long-term capital <br> appreciation and <br> reasonable current<br> income<br>| Vanguard Variable <br> Insurance Funds – <br> Balanced Portfolio<br> Adviser: Wellington <br> Management Company <br> LLC<br>| 0.20% | 16.46% | 9.29% | 10.03% |  |
| Equity Fund<br> Seeks to track the <br> performance of a <br> benchmark index that <br> measures the <br> investment return of <br> mid-capitalization <br> stocks<br>| Vanguard Variable <br> Insurance Funds – <br> Mid-Cap Index Portfolio<br> Adviser: The Vanguard <br> Group, Inc.<br>| 0.17% | 11.54% | 8.46% | 10.77% |  |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Type/Investment**<br> **Objective** | **Underlying Fund**<br> **and**<br> **Adviser/Subadviser** | **Current** <br> **Expenses**<sup>1</sup> | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** |
| **Type/Investment**<br> **Objective** | **Underlying Fund**<br> **and**<br> **Adviser/Subadviser** | **Current** <br> **Expenses**<sup>1</sup> | **1 year** | **5 year** | **10 year** | **Life of** <br> **Fund**<br>|
| Equity Fund<br> Seeks to provide <br> long-term capital <br> appreciation<br>| Vanguard Variable <br> Insurance Funds - Small <br> Company Growth <br> Portfolio<br> Adviser: The Vanguard <br> Group, Inc. and <br> ArrowMark Colorado <br> Holdings LLC<br>| 0.29% | 6.11% | 3.81% | 9.61% |  |
| Fixed Income Fund<br> Seeks to provide <br> current income while <br> maintaining limited <br> price volatility<br>| Vanguard Variable <br> Insurance Funds - <br> Short-Term<br> Investment-Grade <br> Portfolio<br> Adviser: The Vanguard <br> Group, Inc.<br>| 0.14% | 6.85% | 2.23% | 2.81% |  |

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<sup>1</sup>

Since Inception date September 22, 2017.

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Please retain this Annual Notice for future reference. The last prospectus and statement of additional information for the contracts, dated May 1, 2000, contains more information about the contracts. You may contact us to request this additional information free of charge. Instructions for contacting us are included on the front cover page of this Annual Notice.

EDGAR Contract Identifier C000031852

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