# EDGAR Filing Document

**Accession Number:** 0000942323
**File Stem:** 0001133228-26-007235
**Filing Date:** 2026-4
**Character Count:** 54525
**Document Hash:** bb826bc2733315dde823309e79cf8329
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001133228-26-007235.hdr.sgml**: 20260429

**ACCESSION NUMBER**: 0001133228-26-007235

**CONFORMED SUBMISSION TYPE**: N-VP

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260429

**DATE AS OF CHANGE**: 20260429

**EFFECTIVENESS DATE**: 20260429

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SEPARATE ACCOUNT N OF RELIASTAR LIFE INSURANCE CO
- **CENTRAL INDEX KEY:** 0000942323

**ORGANIZATION NAME:**
- **EIN:** 410451140
- **STATE OF INCORPORATION:** MN
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** N-VP
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-100208
- **FILM NUMBER:** 26916116

**BUSINESS ADDRESS:**
- **STREET 1:** 250 MARQUETTE AVENUE, SUITE 900
- **STREET 2:** RELIASTAR LIFE INSURANCE CO
- **CITY:** MINNEAPOLIS
- **STATE:** MN
- **ZIP:** 55401
- **BUSINESS PHONE:** 612-372-5507

**MAIL ADDRESS:**
- **STREET 1:** 250 MARQUETTE AVENUE, SUITE 900
- **CITY:** MINNEAPOLIS
- **STATE:** MN
- **ZIP:** 55401

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** SEPARATE ACCOUNT N OF RELIASTAR LIFE
- **DATE OF NAME CHANGE:** 20021002

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** SEPARATE ACCOUNT ONE OF NORTHERN LIFE INSURANCE CO
- **DATE OF NAME CHANGE:** 19950807

## Series and Classes Contracts Data

### SEPARATE ACCOUNT N OF RELIASTAR LIFE (Series ID: S000001090)

| Class ID   | Class Name                    | Ticker Symbol   |
|:---|:---|:---|
| C000002966 | Voya Advantage Century PlusSM |  |

**RELIASTAR LIFE INSURANCE COMPANY**

**VOYA ADVANTAGE CENTURY PLUS<sup>SM</sup>**

**A FLEXIBLE PREMIUM INDIVIDUAL FIXED AND VARIABLE<br> DEFERRED ANNUITY CONTRACT**

issued to

**A Contract Owner, on a Nonqualified Basis, or to Qualified Retirement Plans Under Tax Code Sections 403(b), 408, 408A, 457 or to Nonqualified Contracts for use with Retirement Arrangements Under Tax Code Section 401**

**NOTICE DOCUMENT**

**May 1, 2026**

____________________________________________________________________________

This notice document summarizes key features of the Voya Advantage Century Plus<sup>®</sup> flexible premium individual fixed and variable deferred annuity contract (the "Contract" or the "Contracts") issued by ReliaStar Life Insurance Company ("ReliaStar Life," the "Company," "we," "us" and "our"). The Contract described in this notice document is intended to be a retirement savings vehicle that offers a variety of investment options to meet long-term financial goals and provide for a death benefit and guaranteed income options. You should read this notice document carefully, particularly the section titled "**IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT**."

Audited financial statements for Separate Account N, which is the separate account through which the Contract is issued, are currently available online at <u>https://www.sec.gov/Archives/edgar/data/942323/000162828026023851/nliobrliseparateacctn-2025.htm.</u> You can also obtain these audited financial statements in paper or electronic form at no cost by calling 1-877-884-5050 or by sending an email request to <u>ProspectusRequests@voya.com</u>.

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

 

**The U.S. Securities and Exchange Commission (the "SEC") has not approved or disapproved this Contract or passed upon the adequacy of this notice document. Any representation to the contrary is a criminal offense.**

ND.100208-26

**TABLE OF CONTENTS** 

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| | |
|:---|:---|
| **[SPECIAL TERMS USED IN THIS NOTICE DOCUMENT](#nvp_001)** | **3** |
| **[UPDATED INFORMATION ABOUT YOUR CONTRACT](#nvp_002)** | **4** |
| **[IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#nvp_003)** | **5** |
| **[APPENDIX A: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT](#nvp_004)** | **10** |

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**SPECIAL TERMS USED IN THIS NOTICE DOCUMENT**

*The following are some of the important terms used throughout this notice document that have special meaning.*

**Account Value**: The value of: (1) amounts allocated to the Fixed Interest Options, including interest earnings to date; plus (2) the current dollar value of amounts allocated to the Subaccounts of Separate Account N, which includes investment performance and fees deducted from the Subaccounts.

**Accumulation Phase:** The period of time between the date the Contract became effective and the date you start receiving Income Phase payments under the Contract. During the Accumulation Phase, you accumulate retirement benefits.

**Contract or Contracts**: The individual deferred fixed and variable annuity Contracts intended to be retirement savings vehicles that offer a variety of investment options to help meet long-term financial goals and provide for a death benefit and guaranteed income options.

**Contract Holder**: The person to whom we issue the Contract. Generally, the Plan Sponsor or a trust. We may also refer to the Contract Holder as the Contract Owner.

**Customer Service**: The location from which we service the Contract. The mailing address and telephone number of Customer Service is P.O. Box 1559, Hartford, Connecticut 06144-1559, 1-877-884-5050.

**Fixed Interest Options**: Fixed Account A and Fixed Account C are Fixed Interest Options available during the Accumulation Phase. Amounts allocated to the Fixed Interest Options are held in the Company's General Account which supports insurance and annuity obligations.

**Fund(s)**: The underlying mutual Funds in which the Subaccounts invest.

**General Account**: The account that contains all of our assets other than those held in Separate Account N or one of our other separate accounts.

**Income Phase**: The period during which you receive payments from your Contract.

**Investor (also "you")**: The individual who participates in the Contract through a retirement plan.

**Purchase Payment**: Collectively, the initial purchase payment and any additional purchase payment.

**ReliaStar Life, the Company, we, us and our:** ReliaStar Life Insurance Company, a stock company domiciled in Minnesota, that issues the Contract described in this notice document.

**Separate Account**: Separate Account N, a segregated asset account established by us to fund the variable benefits provided by the Contract. Separate Account N is registered as a unit investment trust under the Investment Company Act of 1940, as amended, and it also meets the definition of "separate account" under the federal securities laws.

**Subaccount**: Division(s) of Separate Account N that are investment options under the Contract. Each Subaccount invests in a corresponding underlying mutual Fund.

**Tax Code**: The Internal Revenue Code of 1986, as amended.

**Variable Investment Options**: The Subaccounts of Separate Account N. Each one invests in a specific mutual Fund.

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**UPDATED INFORMATION ABOUT YOUR CONTRACT**

The information in this notice document is a summary of certain Contract features that have changed since May 1, 2025. This may not reflect all the changes that have occurred since you entered into your Contract.

The following changes are made to the dollar amounts in the **FEDERAL TAX CONSIDERATION** section as follows:

**Contributions**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **401(a), 401(k) and Roth 403(b) Plans** subsection, the dollar amount has changed from "$70,000"
to "$72,000" regarding the dollar amounts for the total annual contributions (including pre-tax and Roth 403(b) after-tax
contributions) by you and your employer; and

An additional requirement limits your salary reduction contributions to a 401(k), 403(b) or Roth 403(b) plan from "$23,500" to "$24,500."

**Investment Options**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Effective June 2, 2025, the name of the Wanger Acorn Fund changed to the Columbia Variable Portfolio –
Acorn.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Effective July 28, 2025, the name of the Neuberger Berman Sustainable Equity Portfolio changed to the
Neuberger Quality Equity Portfolio.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Effective November 21, 2025, the VY<sup>®</sup> T. Rowe Price Growth Equity Portfolio merged into
the Voya Large Cap Growth Portfolio.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Effective February 6, 2026, the VY T. Rowe Price Equity Income Portfolio and the Voya Large Cap Value
Portfolio merged into the Voya Large Cap Value Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Effective on or about July 10, 2026, the Voya Russell<sup>TM</sup> Mid Cap Growth Index Portfolio will
merge into the Voya Russell<sup>TM</sup> Mid Cap Index Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Effective on or about July 17, 2026, the Voya Global Insights Portfolio (Class I) will change its name
to the Voya Global Insights Fund (Class I).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Effective on or about July 17, 2026, the VY<sup>®</sup>Baron Growth Portfolio will merge into the
Voya MidCap Opportunities Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Effective on or about July 24, 2026, the Voya Balanced Income Portfolio will change its name to the Voya
Balanced Income Fund.

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

An investment in the Contract is subject to fees, risks and other important considerations, some of which are briefly summarized in the following table. You should review the prospectus for additional information about these topics.

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| | |
|:---|:---|
| **FEES AND EXPENSES** | **FEES AND EXPENSES** |
| **Are There Charges or Adjustments for Early Withdrawals?** | **No**. We do not currently impose a surrender charge for early withdrawals from the Contracts.<br>**See "FEE TABLE - *Maximum Contract Holder Transaction Expenses"*.** |
| **Are There Transaction Charges?** | **Yes.** The Investor may be charged for certain transactions, as follows:<br> • We do not currently impose a charge for transfers between the Subaccounts. However, we reserve the right to charge $25 per transfer for any transfer, including transfers made under the dollar cost averaging program and the automatic rebalancing program.<br> • If you are eligible and take a loan from your Account Value, you may be subject to one of the following two charges:<br> &nbsp;&nbsp;&nbsp;&nbsp;• A Loan Interest Rate Spread (per annum); and<br> &nbsp;&nbsp;&nbsp;&nbsp;• A Loan Processing Fee.<br> • Certain Funds may impose redemption fees as a result of withdrawals, transfers or other Fund transactions you may initiate; and<br> • For Contracts other than Tax Code Section 403(b) Contracts, we reserve the right to charge an Investor a partial withdrawal processing fee not to exceed the lesser of 2.0% of the amount withdrawn, or $25. Under some Contracts, we reserve the right to charge a partial withdrawal processing fee not to exceed $25.<br>**See "FEE TABLE" and "LOANS" in the Contract prospectus, and "FEES – *Maximum Transaction Fees* – Partial Withdrawal Processing Fee" in the Contract prospectus.** |

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|:---|:---|
| **FEES AND EXPENSES**<br> ***(continued)*** | **FEES AND EXPENSES**<br> ***(continued)*** |
| **Are There Ongoing Fees and Expenses?** | **Yes.** The table below describes the fees and expenses that you may pay *each year*, depending on the Investment Options and optional benefits 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. |

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| | | |
|:---|:---|:---|
| **Annual Fee** | **Minimum** | **Maximum** |

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| |
|:---|
| **Base Contract Expenses** |
| <u>Investment Options</u><br> **(Fund Fees and Expenses)**<br> *(annual charges)*<br>0.09%<sup>3</sup>1.51%<sup>3</sup> |
| Optional benefits available for an additional charge (for a single optional benefit, if elected)0.15%<sup>4</sup> |
| Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay *each year* based on current charges. This estimate assumes that you do not take withdrawals from the Contract, **which could add partial withdrawal processing fees that substantially increase costs**. |

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| | |
|:---|:---|
| **Lowest Annual Cost:**<br> **$88** | **Highest Annual Cost:<br> $2,693** |
| Assumes:<br> • Investment of $100,000;<br> • 5% annual appreciation;<br> • No optional benefits;<br> • No loans;<br> • Fees and expenses of least expensive Fund;<br> • No sales charges; and<br> • No additional Purchase Payments, transfers or withdrawals. | Assumes:<br> • Investment of $100,000;<br> • 5% annual appreciation;<br> • No loans;<br> • Most expensive optional benefit cost;<br> • Fees and expenses of most expensive Fund;<br> • No sales charges; and<br> • No additional Purchase Payments, transfers or withdrawals. |
| <br> **See "FEE TABLE" and "FEES" in the Contract prospectus.** | <br> **See "FEE TABLE" and "FEES" in the Contract prospectus.** |

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<sup>1</sup> As a percentage of average Account Value.

<sup>2</sup> The Base Contract Expenses include (1) the mortality and expense risk charge of 1.25%, which compensates us for the mortality and expense risks we assume under the Contract, including those risks associated with our promise to make lifetime Income Phase payments and the funding of the guaranteed death benefit; (2) an administrative expense charge equal to 0.15% annually of your Account Value invested in the Subaccounts; (3) a monthly product charge equal to 0.15% which is intended to reimburse us for expenses related to the sale of the Contract, including distribution expenses, which is deducted on a monthly basis; and (4) a $30 annual maintenance fee converted to an annual percentage equal to 0.000563076%. The annual maintenance fee may be reduced or eliminated in certain circumstances. The minimum amount reflects this reduction or elimination, while the maximum amount does not. **See "CHARGES AND FEES - *Periodic Fees and Charges*."**

<sup>3</sup> As a percentage of the Portfolio Company's net assets. These expenses, which include management fees, distribution (12b-1) and/or service fees and other expenses, do not take into account any expense reimbursement arrangements that may apply. These expenses are for the year ended December 31, 2025, and will vary from year to year.

<sup>4</sup> The fee above is for the optional One-Year Step-Up Death Benefit Endorsement and is a percentage of the daily value of amounts invested in the Subaccounts. This fee will be charged monthly.

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|:---|:---|
| **RISKS** | **RISKS** |
| **Is There a Risk of Loss from Poor Performance?** | **Yes.** An Investor can lose money by investing in the Contract.<br>**See "PURCHASE AND RIGHTS - Factors to consider in the Purchase Decision" in the Contract 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. The Contract is typically most useful as part of a personal retirement plan. Early withdrawals may be restricted by the Tax Code or your plan or may expose you to a partial withdrawal processing fee or tax penalties. You should not participate in this Contract if you are looking for a short-term investment or expect to make withdrawals before you are age 59½.<br>**See "PURCHASE AND RIGHTS - Factors to consider in the Purchase Decision" in the Contract prospectus.** |
| **What Are the Risks Associated with Investment Options?**<br>| An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the investment options available under the Contract. Each investment option (including the Fixed Interest Options) will have its own unique risks, and you should review these investment options before making an investment decision.<br>**See "INVESTMENT OPTIONS - *The Variable Investment Options*" in the Contract prospectus and "APPENDIX A" in this Notice Document.** |
| **What Are the Risks Related to the Insurance Company?** | An investment in the Contract is subject to the risks related to ReliaStar Life, including that any obligations, including under the Fixed Interest Options, guarantees or benefits are subject to the financial strength and claims paying ability of ReliaStar Life. More information about ReliaStar Life, including its financial strength and claims paying ability, is available upon request, by contacting Customer Service.<br>**See "THE COMPANY" in the Contract prospectus.** |

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|:---|:---|
| **RESTRICTIONS** | **RESTRICTIONS** |
| **Are There Restrictions on the Investment Options?** | **Yes.**<br> • Your plan may limit the number of investment options you may select at any one time. Please refer to your plan documents for more information;<br> • Some Subaccounts and Fixed Interest Options may not be available in through your plan. . Please refer to your plan documents for a list of Subaccounts and Fixed Interest Options available to you; There are certain restrictions on transfers from the Fixed Interest Options;<br> • For Contracts issued in November 2005, we reserve the right to close the Fixed Interest Options to new Purchase Payments and to prohibit reallocations of amounts from the Subaccounts into Fixed Account A;<br> • The Company reserves the right to combine two or more Subaccounts, close Subaccounts or substitute a new Fund for a Fund in which a Subaccount currently invests; and<br> • The Contract is not designed to serve as a vehicle for frequent transfers. We actively monitor Fund transfer and reallocation activity to identify violations of our Excessive Trading Policy. Electronic trading privileges will be suspended if the Company determines, in its sole discretion, that our Excessive Trading Policy has been violated.<br>**See "INVESTMENT OPTIONS" in the Contract prospectus and "APPENDIX A: THE FIXED ACCOUNTS" in this Notice Document.** |

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|:---|:---|
| **Are There Any Restrictions on Contract Benefits?** | **Yes.**<br> • We may discontinue or restrict the availability of an optional benefit.<br>**See "TRANSFERS AMONG INVESTMENT OPTIONS - The Dollar Cost Averaging Program," "TRANSFERS AMONG INVESTMENT OPTIONS - The Automatic Reallocation Program (Account Rebalancing)," "DEATH BENEFIT - Optional One-Year Step-Up Death Benefit Endorsement," "SYSTEMATIC WITHDRAWALS - Systematic Withdrawal Availability," "SYSTEMATIC WITHDRAWALS - Terminating Systematic Withdrawals" and "LOANS - *Loans Available from Certain Qualified Contracts*" in the Contract prospectus.** |

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|:---|:---|
| **TAXES** | **TAXES** |
| **What Are the Contract's Tax Implications?** | • You should consult with a tax and/or legal adviser to determine the tax implications of an investment in, and distributions received under, the Contract;<br> • There is no additional tax benefit to the investor if the Contract is purchased through a tax-qualified plan or individual retirement account ("IRA"); and<br> • Withdrawals will be subject to ordinary income tax and may be subject to tax penalties.<br>**See "TAX CONSIDERATIONS" in the Contract prospectus.** |

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|:---|:---|
| **CONFLICTS OF INTEREST** | **CONFLICTS OF INTEREST** |
| **How Are Investment Professionals Compensated?** | Although the Contract is no longer offered for new sales, firms and their registered representatives that sold the Contract may receive commissions on additional Purchase Payments paid. This compensation is not paid directly by Contract Holders or the Separate Account. This compensation could influence your investment professional to recommend keeping the Contract.<br>**See "CONTRACT DISTRIBUTION - *General -* Compensation Arrangements" in the Contract prospectus.** |
| **Should I Exchange My Contract?** | Some investment professionals may have a financial incentive to offer you a new Contract in place of the one you own. You should exchange your Contract only if you determine, after comparing the features, fees and risks of both contracts, and any fees or penalties to terminate the existing Contract, that it is preferable for you to purchase the new contract rather than continue to own the existing Contract.<br>**See "PURCHASE AND RIGHTS - Factors to Consider in the Purchase Decision" in the Contract prospectus.** |

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**APPENDIX A: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT**

**The Variable Options and Fixed Interest Options available to you may vary based on employer. You should refer to your plan documents for a list of available Investment Options. Additionally, some financial institutions or broker-dealers through which the Contract is sold may limit the availability of certain investment options. For more information, see "OTHER TOPICS – Financial Intermediary Variations" in the full Contract prospectus**. If you have any questions about any limitations, restrictions, or other variations related to the investment options available to you, please reach out to your financial institution or broker-dealer.

***Variable Options***

**The following is a list of Funds available under the Contract. More information about the Funds is available in the Prospectus for this Fund, which may be amended from time to time and can be found online at** <u>https://vpx.broadridge.com/getcontract1.asp?dtype=pros&cid=voyavpx&fid=665368304</u>. **You can also request this information at no cost by calling Customer Service at 1-877-884-5050 or by sending an email request to** <u>ProspectusRequests@voya.com</u>**.**

**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.**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **CURRENT 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) |
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks growth of capital. | **American Funds Insurance Series<sup>®</sup> – Growth Fund**<br> **(Class 2)**<br>**Investment Adviser:** Capital Research and Management Company<sup>SM</sup> | 0.58%<br>| 20.24%<br>| 13.37%<br>| 17.97%<br>|
| Seeks long-term growth of capital and income. | **American Funds Insurance Series<sup>®</sup> – Growth-Income Fund (Class 2)**<br>**Investment Adviser:** Capital Research and Management Company<sup>SM</sup> | 0.53%<br>| 18.06%<br>| 13.90%<br>| 13.92%<br>|
| Seeks long-term growth of capital. | **American Funds Insurance Series<sup>®</sup> – EUPAC Fund<sup>TM</sup> (Class 2)**<sup>\*\*</sup><br>**Investment Adviser:** Capital Research and Management Company<sup>SM</sup> | 0.72%<sup>\*</sup><br>| 26.77%<br>| 3.40%<br>| 7.00%<br>|
| Seeks long-term capital appreciation. | **Columbia Variable Portfolio – Acorn Fund**<sup>\*\*\*</sup><br>**Investment Adviser:** Columbia Wanger Asset Management, LLC | 0.91%<sup>\*</sup> | 4.47% | 1.02% | 8.66% |

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<sup>\*</sup> Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.

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|:---|:---|
| <sup>\*\*</sup> | Effective May 1, 2026, the American Funds Insurance Series***<sup>®</sup>*** – International Fund changed its name to the American Funds Insurance Series<sup>®</sup> – EUPAC Fund<sup>TM</sup>. |

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<sup>\*\*\*</sup> Effective June 2, 2025, the Wanger Acorn Fund changed its name to the Columbia Variable Portfolio – Acorn Fund.

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|:---|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **CURRENT 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) |
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks long-term capital appreciation. | **Fidelity<sup>®</sup> VIP Contrafund<sup>SM</sup> Portfolio (Initial Class)**<br>**Investment Adviser:** Fidelity Management & Research Company LLC ("FMR")<br>**Subadvisers:** FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited and Fidelity Management & Research (Japan) Limited | 0.54% | 21.52% | 15.37% | 15.78% |
| Seeks reasonable income. Also considers the potential for capital appreciation. Seeks to achieve a yield which exceeds the composite yield on the securities comprising the S&P 500<sup>®</sup> Index. | **Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> (Initial Class)**<br>**Investment Adviser:** Fidelity Management & Research Company LLC ("FMR")<br>**Subadvisers:** FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited and Fidelity Management & Research (Japan) Limited | 0.46%<br>| 19.02%<br>| 12.51%<br>| 11.60%<br>|
| Seeks as high a level of current income as is consistent with preservation of capital and liquidity. | **Fidelity<sup>®</sup> VIP Government Money Market Portfolio (Initial Class)**<br>**Investment Adviser:** Fidelity Management & Research Company LLC ("FMR")<br>**Subadvisers:** FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited and Fidelity Management & Research (Japan) Limited | 0.25%<br>| 4.13%<br>| 3.10%<br>| 2.03%<br>|
| 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<sup>®</sup> Index. | **Fidelity<sup>®</sup> VIP Index 500 Portfolio (Initial Class)**<br>**Investment Adviser:** Fidelity Management & Research Company LLC<br>**Subadviser:** Geode Capital Management, LLC | 0.09%<br>| 17.78%<br>| 14.31%<br>| 14.70%<br>|

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **CURRENT 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) |
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks as high a level of current income as is consistent with the preservation of capital. | **Fidelity<sup>®</sup> VIP Investment Grade Bond Portfolio (Initial Class)**<br>**Investment Adviser:** Fidelity Management & Research Company LLC ("FMR")<br>**Subadvisers:** FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited and Fidelity Management & Research (Japan) Limited | 0.37%<br>| 7.22%<br>| 0.06%<br>| 2.71%<br>|
| Seeks long-term total return. Under normal market conditions, the Fund invests at least 80% of its net assets in investments of small-capitalization companies. | **Franklin Small Cap Value VIP Fund (Class 2)**<sup>\*\*</sup><br>**Investment Adviser:** Franklin Mutual Advisers, LLC | 0.91%<sup>\*</sup><br>| 7.65%<br>| 8.86%<br>| 9.81%<br>|
| Seeks to deliver long-term growth of capital by investing primarily in stocks of mid-sized U.S. companies. | **Lord Abbett Series Fund, Inc. – Mid Cap Stock Portfolio (Class VC)**<br>**Investment Adviser:** Lord, Abbett & Co. LLC | 1.15%<br>| 7.05%<br>| 10.16%<br>| 7.98%<br>|
| Seeks long-term growth of capital by investing primarily in securities of companies that meet the Fund's environmental, social and governance (ESG) criteria. | **Neuberger Quality Equity Portfolio (Class I)**<sup>\*\*\*</sup><br>**Investment Adviser:** Neuberger Berman Investment Advisers LLC | 0.87%<br>| 13.74%<br>| 12.83%<br>| 12.94%<br>|
| Seeks maximum real return, consistent with preservation of real capital and prudent investment management. | **PIMCO VIT Real Return Portfolio (Admin Class)**<br>**Investment Adviser:** Pacific Investment Management Company LLC | 1.39%<br>| 7.85%<br>| 1.21%<br>| 3.21%<br>|
| Maximize total return through a combination of income and capital appreciation. | **Victory Pioneer High Yield VCT Portfolio (Class I)**<br>**Investment Adviser:** Victory Capital Management<sup>\*\*</sup> | 0.97%<sup>\*</sup><br>| 8.16%<br>| 4.21%<br>| 5.49%<br>|

---

<sup>\*</sup> Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.

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| | |
|:---|:---|
| <sup>\*\*</sup> | The Franklin Small Cap Value VIP Fund is closed to investment by new Investors. Existing retirement plans and individual Investors who have investment in the Subaccount that corresponds to this fund may leave their investment in that Subaccount and may continue to make additional purchases and exchanges. |

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<sup>\*\*\*</sup> Effective July 28, 2025, the Neuberger Berman Sustainable Equity Portfolio changed its name to the Neuberger Quality Equity Portfolio.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **CURRENT 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) |
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks total return consisting of capital appreciation (both realized and unrealized) and current income; the secondary investment objective is long-term capital appreciation. | **Voya Balanced Income Portfolio (Class I)<sup>\*\*</sup>**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.58%<sup>\*</sup><br>| 11.96%<br>| 5.92%<br>| 7.16%<br>|
| Seeks to maximize total returns and maintain lower volatility relative to the overall market. | **Voya Global High Dividend Low Volatility Portfolio**<br> **(Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.60%<sup>\*</sup> | 19.00% | 10.52% | 9.05% |
| Seeks capital appreciation. | **Voya Global Insights Portfolio (Class I)<sup>\*\*\*</sup>**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC. | 0.81%<sup>\*</sup><br>| 24.31%<br>| 7.21%<br>| 10.97%<br>|
| Seeks high level of current income consistent with the preservation of capital and liquidity. | **Voya Government Liquid Assets Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.28%<br>| 4.15%<br>| 3.12%<br>| 2.03%<br>|
| Seeks to maximize total return through investments in a diversified portfolio of common stock and securities convertible into common stocks. It is anticipated that capital appreciation and investment income will both be major factors in achieving total return. | **Voya Growth and Income Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.67%<sup>\*</sup><br>| 18.21%<br>| 15.46%<br>| 14.62%<br>|

---

<sup>\*</sup> Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.

<sup>\*\*</sup> Effective on or about July 24, 2026, Voya Balanced Income Portfolio will change its name to the Voya Balanced Income Fund.

<sup>\*\*\*</sup> Effective on or about July 17, 2026, the Voya Global Insights Portfolio (Class I) will change its name to the Voya Global Insights Fund (Class I).

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **CURRENT 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) |
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks to provide investors with a high level of current income and total return. | **Voya High Yield Portfolio (Institutional Class)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.50% | 8.80% | 3.92% | 5.82% |
| Seeks to outperform the total return performance of the S&P 500<sup>®</sup> Index while maintaining a market level of risk. | **Voya Index Plus LargeCap Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.55%<sup>\*</sup><br>| 15.20%<br>| 13.73%<br>| 13.90%<br>|
| Seeks to outperform the total return performance of the S&P MidCap 400<sup>®</sup> Index while maintaining a market level of risk. | **Voya Index Plus MidCap Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.60%<sup>\*</sup><br>| 8.16%<br>| 9.90%<br>| 9.75%<br>|
| Seeks to outperform the total return performance of the S&P SmallCap 600<sup>®</sup> Index while maintaining a market level of risk. | **Voya Index Plus SmallCap Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.60%<sup>\*</sup><br>| 8.27%<br>| 8.97%<br>| 9.23%<br>|
| Seeks to maximize total return consistent with reasonable risk. The Portfolio seeks its objective through investments in a diversified portfolio consisting primarily of debt securities. It is anticipated that capital appreciation and investment income will both be major factors in achieving total return. | **Voya Intermediate Bond Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.55%<sup>\*</sup><br>| 7.71%<br>| 0.15%<br>| 2.66%<br>|

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<sup>\*</sup> Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **CURRENT 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) |
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks maximum total return. | **Voya International High Dividend Low Volatility Portfolio (Class I)**<sup>\*\*</sup><br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co., LLC | 0.76%<br>| 37.60%<br>| 11.59%<br>| 7.83%<br>|
| Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of a widely accepted international index. | **Voya International Index Portfolio (Class S)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.70%<sup>\*</sup><br>| 30.48%<br>| 8.21%<br>| 7.62%<br>|
| A *non-diversified* Fund that seeks long-term capital growth. | **Voya Large Cap Growth Portfolio (Class I)<sup>\*\*\*</sup>**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadvisers:** Voya Investment Management Co. LLC and T. Rowe Price Associates, Inc.<sup>\*\*\*\*</sup> | 0.67%<sup>\*</sup><br>| 15.33%<br>| 12.23%<br>| 15.19%<br>|
| Seeks long-term growth of capital and current income. | **Voya Large Cap Value Fund (Class A)<sup>\*\*\*\*\*</sup>**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 1.10%<sup>\*</sup> | 12.66% | 12.56% | 10.85% |

---

<sup>\*</sup> Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.

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| | |
|:---|:---|
| <sup>\*\*</sup> | This Fund employs a managed volatility strategy. **See "THE INVESTMENT OPTIONS – *The Variable Investment Options* - Funds with Managed Volatility Strategies" for more information.** |

---

<sup>\*\*\*</sup> Effective November 21, 2025, the VY<sup>®</sup> T. Rowe Price Growth Equity Income Portfolio merged into the Voya Large Cap Growth Portfolio.

<sup>\*\*\*\*</sup> Effective October 27, 2025, VY<sup>®</sup> T. Rowe Price Associates, Inc. was added as a subadviser for the Voya Large Cap Growth Portfolio.

<sup>\*\*\*\*\*</sup> Effective February 6, 2026, the VY T. Rowe Price Equity Income Portfolio and the Voya Large Cap Value Portfolio merged into the Voya Large Cap Value Fund.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **CURRENT 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) |
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks highest current income consistent with low risk to principal and liquidity and secondarily, seeks to enhance its total return through capital appreciation when market factors, such as falling interest rates and rising bond prices, indicate that capital appreciation may be available without significant risk to principal. | **Voya Limited Maturity Bond Portfolio (Class S)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.53%<br>| 5.42%<br>| 1.86%<br>| 2.01%<br>|
| Seeks long-term capital appreciation. | **Voya MidCap Opportunities Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.83%\*<br>| 3.90%<br>| 4.55%<br>| 10.97%<br>|
| Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Top 200<sup>®</sup> Growth Index. | **Voya Russell<sup>TM</sup> Large Cap Growth Index Portfolio**<br> **(Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.43%<sup>\*</sup><br>| 18.12%<br>| 16.24%<br>| 18.65%<br>|
| Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Top 200<sup>®</sup> Index. | **Voya Russell<sup>TM</sup> Large Cap Index Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.36%<sup>\*</sup> | 18.75% | 14.72% | 15.36% |

---

<sup>\*</sup> Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.

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| | | | | |
|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **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) |
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **1 Year** | **5 Years** | **10 Years** |
| Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Midcap<sup>®</sup> Growth Index. | **Voya Russell<sup>TM</sup> Mid Cap Growth Index Portfolio (Class S)**<sup>\*\*</sup><br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.65%<sup>\*</sup><br>| 8.08%<br>| 5.98%<br>| 11.77%<br>|
| Seeks long-term capital appreciation. | **Voya SmallCap Opportunities Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.92%<sup>\*</sup><br>| 14.80%<br>| 5.85%<br>| 9.11%<br>|

---

<sup>\*</sup> Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.

<sup>\*\*</sup> Effective on or about July 10, 2026, the Voya Russell<sup>TM</sup> Mid Cap Growth Index Portfolio will merge into the Voya Russell<sup>TM</sup> Mid Cap Index Portfolio.

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| | | | |
|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **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) |
| **INVESTMENT OBJECTIVE** | **1 Year** | **5 Years** | **10 Years** |
| Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2035. On the Target Date, the Portfolio's investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. **Voya Solution 2035 Portfolio (Class I)<sup>\*\*</sup>**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.73%<sup>\*</sup><br>| 16.37%<br>| 7.49%<br>| 8.96%<br>|
| Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2045. On the Target Date, the Portfolio's investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. **Voya Solution 2045 Portfolio (Class I)<sup>\*\*</sup>**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.75%<sup>\*</sup><br>| 19.48%<br>| 9.35%<br>| 10.19%<br>|

---

<sup>\*</sup> Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.

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| | |
|:---|:---|
| <sup>\*\*</sup> | This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. **See "THE INVESTMENT OPTIONS – *The Variable Investment Options* - Funds of Funds" for more information.** |

---

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **CURRENT 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) |
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks to provide capital growth through a diversified asset allocation strategy. | **Voya Solution Aggressive** Portfolio **(Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.77%<sup>\*</sup><br>| 16.87%<br>| 9.89%<br>| 10.55%<br>|
| Seeks to provide capital growth through a diversified asset allocation strategy. | **Voya Solution Balanced Portfolio (Class I)<sup>\*\*</sup>**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.75%<sup>\*</sup><br>| 13.05%<br>| 6.84%<br>| 8.04%<br>|
| Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. | **Voya Solution Conservative Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.66%<sup>\*</sup><br>| 8.33%<br>| 2.97%<br>| 4.77%<br>|
| Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. | **Voya Solution Income Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.68%<sup>\*</sup><br>| 11.23%<br>| 3.60%<br>| 5.42%<br>|
| Seeks total return. | **Voya U.S. Stock Index Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.27%<br>| 17.53%<br>| 14.10%<br>| 14.51%<br>|

---

<sup>\*</sup> Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.

<sup>\*\*</sup> Effective August 8, 2025, the Voya Solution 2025 Portfolio (Class I) merged into Voya Solution Income Portfolio (Class I).

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| | | | | |
|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **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) |
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **1 Year** | **5 Years** | **10 Years** |
| Seeks long-term capital growth. Income is a secondary objective. | **VY<sup>®</sup> American Century Small-Mid Cap Value Portfolio (Class S)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** American Century Investment Management, Inc.<br> 0.85%<sup>\*</sup><br>| 5.33%<br>| 8.46%<br>| 9.28%<br>|
| Seeks capital appreciation. | **VY<sup>®</sup> Baron Growth Portfolio (Class I)<sup>\*\*</sup>**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** BAMCO, Inc.<br> 1.00%<sup>\*</sup><br>| -10.69%<br>| -0.08%<br>| 9.44%<br>|
| Seeks high total return consisting of capital appreciation and current income. | **VY<sup>®</sup> CBRE Global Real Estate Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** CBRE Investment Management Listed Real Assets LLC<br> 0.91%<sup>\*</sup><br>| 6.82%<br>| 4.03%<br>| 3.99% |

---

<sup>\*</sup> Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.

<sup>\*\*</sup> Effective on or about July 17, 2026, the VY<sup>®</sup>Baron Growth Portfolio will merge into the Voya MidCap Opportunities Fund.

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| | | | | |
|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **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) |
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **1 Year** | **5 Years** | **10 Years** |
| Seeks total return consisting of long-term capital appreciation and current income. | **VY<sup>®</sup> Columbia Contrarian Core Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Columbia Management Investment Advisers, LLC<br> 0.71%<sup>\*</sup><br>| 17.41%<br>| 14.14%<br>| 14.27%<br>|
| Seeks capital growth and income. | **VY<sup>®</sup> Invesco Comstock Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Invesco Advisers, Inc.<br> 0.72%<sup>\*</sup><br>| 17.24%<br>| 15.23%<br>| 12.03%<br>|
| Seeks total return consisting of long-term capital appreciation and current income. | **VY<sup>®</sup> Invesco Equity and Income Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Invesco Advisers, Inc.<br> 0.64%<sup>\*</sup><br>| 12.80%<br>| 8.82%<br>| 8.86%<br>|

---

<sup>\*</sup> Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **CURRENT 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) |
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks long-term growth of capital and income. | **VY<sup>®</sup> Invesco Growth and Income Portfolio (Class S)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Invesco Advisers, Inc. | 0.90%<br>| 15.35%<br>| 12.82%<br>| 10.72%<br>|
| Seeks capital appreciation. | **VY<sup>®</sup> JPMorgan Emerging Markets Equity Portfolio (Class S)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** J.P. Morgan Investment Management Inc. | 1.44%<sup>\*</sup><br>| 38.77%<br>| 0.04%<br>| 9.00%<br>|
| Seeks growth from capital appreciation. | **VY<sup>®</sup> JPMorgan Mid Cap Value Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** J.P. Morgan Investment Management Inc. | 0.85%<sup>\*</sup><br>| 4.63%<br>| 9.53%<br>| 8.75%<br>|
| Seeks capital growth over the long term. | **VY<sup>®</sup> JPMorgan Small Cap Core Equity Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** J.P. Morgan Investment Management Inc. | 0.89%<br>| 3.86%<br>| 4.89%<br>| 9.04%<br>|
| Seeks, over the long-term, a high total investment return, consistent with the preservation of capital and with prudent investment risk. | **VY<sup>®</sup> T. Rowe Price Capital Appreciation Portfolio (Class S)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** T. Rowe Price Associates, Inc. | 0.90%<br>| 12.02%<br>| 9.22%<br>| 11.04%<br>|

---

<sup>\*</sup> Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.

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| | | | | |
|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **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) |
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **1 Year** | **5 Years** | **10 Years** |
| Seeks long-term capital appreciation. | **VY<sup>®</sup> T. Rowe Price Diversified Mid Cap Growth Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** T. Rowe Price Associates, Inc.<br>0.80%<sup>\*</sup><br>| 9.92%<br>| 7.24%<br>| 12.78%<br>|

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<sup>\*</sup> Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.

***Fixed Interest Options****.*

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

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| | | |
|:---|:---|:---|
| **Name** | **Term<sup>\*\*</sup>** | **Minimum Guaranteed Interest Rate<sup>\*\*\*</sup>** |
| Fixed Account A | No Term | 1.00% |
| Fixed Account C | 12 months | 1.00% |

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See "Fixed Interest Options" under "The Investment Options" in the Prospectus for a description of the Fixed Interest Options' features.

<sup>\*\*</sup> The terms available under your plan may vary.

<sup>\*\*\*</sup> The minimum guaranteed interest rate for your Contract is stated in your Contract, and will not be less than stated.

ND.100208-26 23

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This notice document updates information in the Voya Advantage Century Plus<sup>SM</sup> Contract prospectus and Statement of Information (the "SAI"), each dated April 29, 2011, as amended or supplemented. You can find these documents online at <u>https://vpx.broadridge.com/getcontract1.asp?dtype=pros&cid=voyavpx&fid=665368304</u> for the Contract prospectus and <u>https://vpx.broadridge.com/getcontract1.asp?dtype=sai&cid=voyavpx&fid=665368304</u> for the SAI. You can also obtain these documents at no cost by calling 1-877-884-5050 or by sending an email request to <u>ProspectusRequests@voya.com</u>.

Reports and other information about the Separate Account N and ReliaStar Life Insurance Company are available on the Commission's website at <u>http://www.sec.gov</u>. Copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: <u>publicinfo@sec.gov</u>.

EDGAR Contract Identifier: C000002966

ND.100208-26 24