# EDGAR Filing Document

**Accession Number:** 0000743415
**File Stem:** 0001193125-26-181053
**Filing Date:** 2026-4
**Character Count:** 44855
**Document Hash:** 90bd16f18c28f2c000a3217df42e5750
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-181053.hdr.sgml**: 20260427

**ACCESSION NUMBER**: 0001193125-26-181053

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260427

**DATE AS OF CHANGE**: 20260427

**EFFECTIVENESS DATE**: 20260427

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MUTUAL OF AMERICA SEPARATE ACCOUNT NO 2
- **CENTRAL INDEX KEY:** 0000743415

**ORGANIZATION NAME:**
- **EIN:** 131614399
- **STATE OF INCORPORATION:** NY
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 002-90201
- **FILM NUMBER:** 26898847

**BUSINESS ADDRESS:**
- **STREET 1:** 320 PARK AVE
- **STREET 2:** C/O MUTUAL OF AMERICA
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022
- **BUSINESS PHONE:** 2123991600

**MAIL ADDRESS:**
- **STREET 1:** 320 PARK AVE
- **STREET 2:** C/O MUTUAL OF AMERICA
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022

## Series and Classes Contracts Data

### MUTUAL OF AMERICA SEPARATE ACCOUNT NO 2 (Series ID: S000009413)

| Class ID   | Class Name                              | Ticker Symbol   |
|:---|:---|:---|
| C000025767 | Individual Retirement Annuity Contracts |  |

**UPDATING SUMMARY PROSPECTUS**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

**FLEXIBLE PREMIUM ANNUITY CONTRACTS** <br>**VARIABLE ACCUMULATION ANNUITY CONTRACTS** <br>**(FPA CONTRACTS)**

Issued By <br>**MUTUAL OF AMERICA LIFE INSURANCE COMPANY** <br>320 Park Avenue, New York, New York 10022-6839 <br>Through its <br>**MUTUAL OF AMERICA SEPARATE ACCOUNT NO. 2**

We offer Individual Flexible Premium Deferred Annuity Contracts (***"FPA Contracts"***).

You, as a Contractholder, or as a person or entity to which we have issued an FPA Contract, may make Contributions in the amounts and at the frequency you choose (subject to certain minimums), and some of the Contracts permit your employer to make Contributions on your behalfA Contract can help you accumulate funds for retirement and other long-term financial needs. You may apply your Account Value to provide fixed monthly Annuity Payments that begin at a future date.

You may allocate your Account Value to the subaccounts of Mutual of America Separate Account No. 2 or to our General Account, unless your Plan restricts allocations. You may transfer all or any part of your Account Value among the available Investment Alternatives at any time, without charge. The Subaccounts of the Separate Account invest in similarly named funds or portfolios of mutual funds, which are set forth and described in Appendix A to this Summary Prospectus.

The Contract is a complex investment and involves risks, including potential loss of principal.

The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Withdrawals could result in taxes and tax penalties, as applicable.

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

The Prospectus for the Contract contains more information about the Contract, including its features, benefits, and risks. You can find the Prospectus and other information about the Contract online at https://dfinview.com/mutualofamerica/tadf/FPA/AP. You can also obtain this information at no cost by calling 800.574.9267 or by sending an e-mail request to mutualofamerica@dfinsolutions.com.

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 Summary Prospectus. Any representation to the contrary is a criminal offense.**

**Dated: May 1, 2026**

------

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
|  | **Page** |
| **[Definitions We Use in this Summary Prospectus](#xx_87cfaca5-aaba-4096-948c-8bd0a8b4bb8e_1)** | 2  |
| **[UPDATED INFORMATION ABOUT YOUR CONTRACT](#xx_87cfaca5-aaba-4096-948c-8bd0a8b4bb8e_3)** | 4  |
| **[Important Information You Should Consider About the](#xx_8cf9d14f-2056-47dc-a61b-8ffa0656805b_1)**<br> **[FPA Contract](#xx_8cf9d14f-2056-47dc-a61b-8ffa0656805b_1)**<br>| 5  |
| **[Appendix A: Underlying Funds Available As Investment Options Under the FPA Contracts](#xx_9314d531-772f-4213-be42-c7d7e4adc0c7_1)** | A-1 |

---

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**Definitions We Use in this Summary Prospectus**

***Account Value—***The value of a [Contractholder's](#bookmark_conh_c88c7192-79d7-45db-8fb3-6e487739433a)[Accumulation Units](#bookmark_au_c88c7192-79d7-45db-8fb3-6e487739433a) in the [Subaccounts](#bookmark_sub_c88c7192-79d7-45db-8fb3-6e487739433a) plus the value of amounts held in the [General Account](#bookmark_ga_c88c7192-79d7-45db-8fb3-6e487739433a) for the [Contractholder](#bookmark_conh_c88c7192-79d7-45db-8fb3-6e487739433a), during the [Accumulation Period](#bookmark_ap_c88c7192-79d7-45db-8fb3-6e487739433a). Depending on its use in this Summary Prospectus, the term "[Account Value](#bookmark_av_c88c7192-79d7-45db-8fb3-6e487739433a)" may mean all or any part of your total [Account](#bookmark_av_c88c7192-79d7-45db-8fb3-6e487739433a)[Value](#bookmark_av_c88c7192-79d7-45db-8fb3-6e487739433a).

***Accumulation Period*—**For a [Contractholder](#bookmark_conh_c88c7192-79d7-45db-8fb3-6e487739433a), the period under a [Contract](#bookmark_con_c88c7192-79d7-45db-8fb3-6e487739433a) when [Contributions](#bookmark_contrib_c88c7192-79d7-45db-8fb3-6e487739433a) are made or held for the [Contractholder](#bookmark_conh_c88c7192-79d7-45db-8fb3-6e487739433a). The [Accumulation Period](#bookmark_ap_c88c7192-79d7-45db-8fb3-6e487739433a) ends at the [Annuity Commencement Date](#bookmark_acd_c88c7192-79d7-45db-8fb3-6e487739433a), or the date the [Contractholder](#bookmark_conh_c88c7192-79d7-45db-8fb3-6e487739433a) withdraws the [Account Value](#bookmark_av_c88c7192-79d7-45db-8fb3-6e487739433a) in full before the [Annuity Commencement Date](#bookmark_acd_c88c7192-79d7-45db-8fb3-6e487739433a).

***Accumulation Unit*—**A measure we use to calculate the value of a [Contractholder's](#bookmark_conh_c88c7192-79d7-45db-8fb3-6e487739433a) interest in each of the [Subaccounts](#bookmark_sub_c88c7192-79d7-45db-8fb3-6e487739433a). Each Subaccount has its own [Accumulation Unit](#bookmark_au_c88c7192-79d7-45db-8fb3-6e487739433a) value.

***Annuitant*—**The individual named in the application for a [Contract](#bookmark_con_c88c7192-79d7-45db-8fb3-6e487739433a). Under a death benefit in the form of an annuity, the [Beneficiary](#bookmark_ben_c88c7192-79d7-45db-8fb3-6e487739433a) will be the annuitant/payee. We use the life expectancy of the [Annuitant(s)](#bookmark_ann_c88c7192-79d7-45db-8fb3-6e487739433a), or of the annuitant/payee, as a factor in determining the amount of monthly [Annuity Payments](#bookmark_annp_c88c7192-79d7-45db-8fb3-6e487739433a) for annuities with a life contingency.

***Annuity Commencement Date*—**The date [Annuity Payments](#bookmark_annp_c88c7192-79d7-45db-8fb3-6e487739433a) become payable under a [Contract](#bookmark_con_c88c7192-79d7-45db-8fb3-6e487739433a) or become payable as the death benefit for a [Beneficiary](#bookmark_ben_c88c7192-79d7-45db-8fb3-6e487739433a). A [Contractholder](#bookmark_conh_c88c7192-79d7-45db-8fb3-6e487739433a), or a [Beneficiary](#bookmark_ben_c88c7192-79d7-45db-8fb3-6e487739433a) entitled to a death benefit, selects the [Annuity Commencement Date](#bookmark_acd_c88c7192-79d7-45db-8fb3-6e487739433a), or the [Annuity Commencement Date](#bookmark_acd_c88c7192-79d7-45db-8fb3-6e487739433a) may be imposed under federal tax law provisions in certain circumstances. On the [Annuity Commencement Date](#bookmark_acd_c88c7192-79d7-45db-8fb3-6e487739433a), all of your [Account Value](#bookmark_av_c88c7192-79d7-45db-8fb3-6e487739433a) is used to provide [Annuity Payments](#bookmark_annp_c88c7192-79d7-45db-8fb3-6e487739433a).

***Annuity Payments*—**A series of equal monthly payments from us. The amount of the [Annuity Payments](#bookmark_annp_c88c7192-79d7-45db-8fb3-6e487739433a) will depend on your [Account Value](#bookmark_av_c88c7192-79d7-45db-8fb3-6e487739433a) on the [Annuity Commencement Date](#bookmark_acd_c88c7192-79d7-45db-8fb3-6e487739433a) and the form of annuity selected. The [Annuity Payments](#bookmark_annp_c88c7192-79d7-45db-8fb3-6e487739433a) may be for the [Annuitant's](#bookmark_ann_c88c7192-79d7-45db-8fb3-6e487739433a) life, for a minimum period of time, for the joint lifetime of the [Annuitant](#bookmark_ann_c88c7192-79d7-45db-8fb3-6e487739433a) and the [Annuitant's](#bookmark_ann_c88c7192-79d7-45db-8fb3-6e487739433a) joint [Annuitant](#bookmark_ann_c88c7192-79d7-45db-8fb3-6e487739433a), or for such other specified period as we may permit.

***Beneficiary(ies)*—**The person(s) named by a Participant to receive (1) during the Accumulation Period, the death benefit under the Contract if the Participant dies, or (2) after the Annuity Commencement Date, any remaining Annuity Payments (or their Commuted Value) upon the death of the Annuitant and joint Annuitant, if any.

***Code*—** The Internal Revenue [Code](#bookmark_code_c88c7192-79d7-45db-8fb3-6e487739433a) of 1986, as amended. Depending on the context, the term [Code](#bookmark_code_c88c7192-79d7-45db-8fb3-6e487739433a) includes the regulations adopted by the Internal Revenue Service for the [Code](#bookmark_code_c88c7192-79d7-45db-8fb3-6e487739433a) section being discussed.

***Commuted Value*—**The present value of annuity payments due under an income option or method of payment not based on life contingencies.

***Complete Order*—**An order is considered to be complete when all of the requirements for the completion of a transaction have been met. This includes receipt by the Company of all information, remittances and notices necessary to process the given transaction. The Company will inform you of the documents required for your transaction.

***Contract(s)*—**One (or more) of the individual (FPA) variable accumulation annuity contracts described in this Summary Prospectus.

***Contractholder*—**The individual to whom we have issued an FPA [Contract](#bookmark_con_c88c7192-79d7-45db-8fb3-6e487739433a), or the entity to which we have issued an FPA [Contract](#bookmark_con_c88c7192-79d7-45db-8fb3-6e487739433a) to fund a deferred compensation plan.

***Contributions*—** Amounts contributed from time to time under a [Contract](#bookmark_con_c88c7192-79d7-45db-8fb3-6e487739433a) during the [Accumulation Period](#bookmark_ap_c88c7192-79d7-45db-8fb3-6e487739433a).

***General Account (or Interest Accumulation Account)*—**Assets we own that are not in a separate account, but rather are held as part of our general assets. Amounts allocated under the [Contracts](#bookmark_con_c88c7192-79d7-45db-8fb3-6e487739433a) to the [General](#bookmark_ga_c88c7192-79d7-45db-8fb3-6e487739433a)[Account](#bookmark_ga_c88c7192-79d7-45db-8fb3-6e487739433a) earn interest at a fixed rate that we change from time to time. We sometimes refer to the [General](#bookmark_ga_c88c7192-79d7-45db-8fb3-6e487739433a)[Account](#bookmark_ga_c88c7192-79d7-45db-8fb3-6e487739433a) as the Interest Accumulation Account, because amounts you allocate to the [General Account](#bookmark_ga_c88c7192-79d7-45db-8fb3-6e487739433a) earn interest at a fixed rate that we change from time to time.

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***Investment Alternatives*—**Our [General Account](#bookmark_ga_c88c7192-79d7-45db-8fb3-6e487739433a) and the [Subaccounts](#bookmark_sub_c88c7192-79d7-45db-8fb3-6e487739433a). [You](#bookmark_you_c88c7192-79d7-45db-8fb3-6e487739433a) may allocate your [Contributions](#bookmark_contrib_c88c7192-79d7-45db-8fb3-6e487739433a)and transfer your [Account Value](#bookmark_av_c88c7192-79d7-45db-8fb3-6e487739433a) among the [Investment Alternatives](#bookmark_ia_c88c7192-79d7-45db-8fb3-6e487739433a).

***Joint Annuitant*—**An additional person (usually the [Spouse](#bookmark_spouse_c88c7192-79d7-45db-8fb3-6e487739433a)) whose life expectancy is taken into account for a life annuity and who will receive [Annuity Payments](#bookmark_annp_c88c7192-79d7-45db-8fb3-6e487739433a) upon the death of the [Annuitant](#bookmark_ann_c88c7192-79d7-45db-8fb3-6e487739433a) in accordance with the form of annuity selected. A joint annuitant may be designated by the owner at any time before the [Annuity](#bookmark_acd_c88c7192-79d7-45db-8fb3-6e487739433a)[Commencement Date](#bookmark_acd_c88c7192-79d7-45db-8fb3-6e487739433a).

***Reduced Fee***—The reduced Separate Account Annual Expenses, comprised of the administrative charge, distribution expense charge and expense risk charge, that apply to Contractholders in Contracts that are eligible for such reduced Separate Account Annual Expenses as set forth in the Fee Table section of this Prospectus.

***Separate Account*—**[Mutual of America](#bookmark_comp_c88c7192-79d7-45db-8fb3-6e487739433a)[Separate Account](#bookmark_sa_c88c7192-79d7-45db-8fb3-6e487739433a) No. 2, a separate account we established to receive and invest deposits made under variable accumulation annuity contracts. The assets of the [Separate](#bookmark_sa_c88c7192-79d7-45db-8fb3-6e487739433a)[Account](#bookmark_sa_c88c7192-79d7-45db-8fb3-6e487739433a) are set aside and kept separate from our other assets.

***Spouse*—**Unless otherwise specified, the person to whom a [Contractholder](#bookmark_conh_c88c7192-79d7-45db-8fb3-6e487739433a) or [Annuitant](#bookmark_ann_c88c7192-79d7-45db-8fb3-6e487739433a) is legally married in a marriage recognized under federal law.

***Subaccount*—**A division of the [Separate Account](#bookmark_sa_c88c7192-79d7-45db-8fb3-6e487739433a) which invests its assets exclusively in a corresponding Underlying Fund of the same name.

***Underlying Funds*—**The funds or portfolios that are invested in by the [Subaccounts](#bookmark_sub_c88c7192-79d7-45db-8fb3-6e487739433a).

***We, us, our, Company or Mutual of America*—**Refers to [Mutual of America](#bookmark_comp_c88c7192-79d7-45db-8fb3-6e487739433a) Life Insurance Company.

***You, or your*—**Refers to a [Contractholder](#bookmark_conh_c88c7192-79d7-45db-8fb3-6e487739433a).

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**UPDATED INFORMATION ABOUT YOUR CONTRACT**

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

**Separate Account Charge.** Effective on or after July 1, 2026, FPA Contractholders may become eligible for the Reduced Fee of 0.95% if they have a minimum of $15 million in assets in the Separate Account and the General Account combined and satisfy the other criteria specified in the Charges section of the Prospectus.

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**Important Information** [**You**](#bookmark_you_c88c7192-79d7-45db-8fb3-6e487739433a) **Should Consider About the** <br>**FPA** [**Contract**](#bookmark_con_c88c7192-79d7-45db-8fb3-6e487739433a)

**FEES AND EXPENSES** **LOCATION IN** **PROSPECTUS** 

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**FEES AND EXPENSES** **LOCATION IN** **PROSPECTUS** 

\*Effective on or after July 1, 2026, the lowest annual costestimate will be $1,071. 

**RISKS** 

**RESTRICTIONS** 

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| | | |
|:---|:---|:---|
|  | **RESTRICTIONS** |  |
| **Are There any** <br> **Restrictions on** <br> **Contract** <br> **Benefits?**<br>| NA |  |
|  | **TAXES** |  |
| **What Are the** <br> **Contract's Tax** <br> **Implications?**<br>| &nbsp;&nbsp; [You](#bookmark_you_c88c7192-79d7-45db-8fb3-6e487739433a) should consult with a tax professional to determine the tax <br> implications of an investment in and [Contributions](#bookmark_contrib_c88c7192-79d7-45db-8fb3-6e487739433a) made under <br> the [Contract](#bookmark_con_c88c7192-79d7-45db-8fb3-6e487739433a).<br> Withdrawals of earnings will be subject to ordinary income tax, <br> and may be subject to tax penalties. | [Taxes](#bookmark_taxes_c88c7192-79d7-45db-8fb3-6e487739433a) |
|  | **CONFLICTS OF INTEREST** |  |
| **How Are** <br> **Investment** <br> **Professionals** <br> **Compensated?**<br>| &nbsp;&nbsp; [Mutual of America offers the Contracts for sale through certain](#bookmark_comp_c88c7192-79d7-45db-8fb3-6e487739433a)<br> [of our employees who are registered representatives of Mutual](#bookmark_comp_c88c7192-79d7-45db-8fb3-6e487739433a)<br> [of America Securities LLC, the principal underwriter of the](#bookmark_comp_c88c7192-79d7-45db-8fb3-6e487739433a)<br> [Contracts. The only compensation we pay to registered](#bookmark_comp_c88c7192-79d7-45db-8fb3-6e487739433a)<br> [representatives for sales of the Contracts is in the form of salary,](#bookmark_comp_c88c7192-79d7-45db-8fb3-6e487739433a)<br> [plus annual incentive compensation based on (i) achievement of](#bookmark_comp_c88c7192-79d7-45db-8fb3-6e487739433a)<br> [individual sales objectives and (ii) the Company's achievement of](#bookmark_comp_c88c7192-79d7-45db-8fb3-6e487739433a)<br> [overall corporate objectives. There are no commissions or fees](#bookmark_comp_c88c7192-79d7-45db-8fb3-6e487739433a)<br> [payable for sales of the Contracts.](#bookmark_comp_c88c7192-79d7-45db-8fb3-6e487739433a)<br> [The annual cash incentive compensation payment payable to](#bookmark_comp_c88c7192-79d7-45db-8fb3-6e487739433a)<br> [these registered representatives can increase or decrease based](#bookmark_comp_c88c7192-79d7-45db-8fb3-6e487739433a)<br> [on individual performance in relation to individual sales](#bookmark_comp_c88c7192-79d7-45db-8fb3-6e487739433a)<br> [objectives and Company performance in relation to corporate](#bookmark_comp_c88c7192-79d7-45db-8fb3-6e487739433a)<br> [objectives.](#bookmark_comp_c88c7192-79d7-45db-8fb3-6e487739433a)<br> [With regard to non-cash compensation, representatives and](#bookmark_comp_c88c7192-79d7-45db-8fb3-6e487739433a)<br> [certain staff from the top performing regional offices, as well as](#bookmark_comp_c88c7192-79d7-45db-8fb3-6e487739433a)<br> [other high performing representatives, will receive a trip to a](#bookmark_comp_c88c7192-79d7-45db-8fb3-6e487739433a)<br> [sales conference.](#bookmark_comp_c88c7192-79d7-45db-8fb3-6e487739433a)<br> [The existence of such forms of compensation could influence a](#bookmark_comp_c88c7192-79d7-45db-8fb3-6e487739433a)<br> [Contract](#bookmark_con_c88c7192-79d7-45db-8fb3-6e487739433a) over <br> another investment. | &nbsp;&nbsp; [Purchases and](#bookmark_purchases_c88c7192-79d7-45db-8fb3-6e487739433a)<br> [Contract Value](#bookmark_purchases_c88c7192-79d7-45db-8fb3-6e487739433a)<br>|
| **Should I** <br> **Exchange My** <br> **Contract?**<br>| &nbsp;&nbsp; Registered representatives may have a financial incentive to offer <br> a contractholder a new contract in place of the one the <br> contractholder already owns. A contractholder should only <br> exchange their Contract if the contractholder determines, after <br> comparing the features, fees, and risks of both contracts, that it <br> is preferable for the contractholder to purchase the new contract <br> rather than continue to own the existing contract. | &nbsp;&nbsp; Purchases and <br> Contract Value<br>|

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**Appendix A:** [**Underlying Funds**](#bookmark_uf_c88c7192-79d7-45db-8fb3-6e487739433a) **Available As Investment Options Under the FPA** [**Contracts**](#bookmark_con_c88c7192-79d7-45db-8fb3-6e487739433a)

The following is a list of [Underlying Funds](#bookmark_uf_c88c7192-79d7-45db-8fb3-6e487739433a) available under the [Contracts](#bookmark_con_c88c7192-79d7-45db-8fb3-6e487739433a). More information about the [Underlying Funds](#bookmark_uf_c88c7192-79d7-45db-8fb3-6e487739433a) is available in the prospectuses for the [Underlying Funds](#bookmark_uf_c88c7192-79d7-45db-8fb3-6e487739433a), which may be amended from time to time and are available on our website mutualofamerica.com/FPAFunds or you can request this information at no cost by calling 800.574.9267 or by sending an email to mutualofamerica@dfinsolutions.com.

The current expenses and performance information below reflects fees and expenses of the [Underlying](#bookmark_uf_c88c7192-79d7-45db-8fb3-6e487739433a)[Funds](#bookmark_uf_c88c7192-79d7-45db-8fb3-6e487739433a), but do not reflect the other fees and expenses that your [Contract](#bookmark_con_c88c7192-79d7-45db-8fb3-6e487739433a) may charge. Expenses would be higher and performance would be lower if these other charges were included. Each [Underlying Fund's](#bookmark_uf_c88c7192-79d7-45db-8fb3-6e487739433a) past performance is not necessarily an indication of future performance.

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Type/Investment** <br> **Objective** | **Underlying Fund 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 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<sup>®</sup> 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 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 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% |  |

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|:---|:---|:---|:---|:---|:---|
| **Type/Investment** <br> **Objective** | **Underlying Fund 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** |
| **Type/Investment** <br> **Objective** | **Underlying Fund and**<br> **Adviser/Subadviser** | **Current** <br> **Expenses**<sup>1</sup> | **1 year** | **5 year** | **10 year** |
| Equity Fund<br> Seeks to provide <br> investment results that <br> correspond to the total <br> return of stocks of mid- <br> to small-capitalization <br> U.S. companies<br>| Fidelity VIP Extended <br> Market Index Portfolio <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>| 0.12% | 12.32% | 8.02%<br>8.82%<sup>2</sup> <br>|  |
| Equity Fund<br> Seeks capital <br> appreciation<br>| Fidelity VIP Value <br> Strategies Portfolio (Initial <br> 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>| 0.59% | 7.99% | 12.14% | 10.82% |
| 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% |
| Equity Fund<br> Seeks to track the <br> performance of a <br> benchmark index that <br> measures the <br> investment return of <br> stocks issued by <br> companies located in <br> developed and <br> emerging markets, <br> excluding the <br> United States<br>| Vanguard Variable <br> Insurance Funds - Total <br> International Stock <br> Market Index Portfolio<br> Adviser: The Vanguard <br> Group, Inc.<br>| 0.09% | 32.04% | 7.88%<br>7.20%<sup>3</sup> <br>|  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type/Investment** <br> **Objective** | **Underlying Fund 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** |
| **Type/Investment** <br> **Objective** | **Underlying Fund and**<br> **Adviser/Subadviser** | **Current** <br> **Expenses**<sup>1</sup> | **1 year** | **5 year** | **10 year** |
| 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%<br>12.13%<sup>4</sup> <br>|  |
| Equity Fund<br> Seeks long-term capital <br> appreciation<br>| American <br> Funds Insurance Series <br> New World Fund<br> Adviser: Capital <br> Research and <br> Management Company <br>| 0.57% | 28.60% | 5.59% | 9.53% |
| Equity Fund<br> Seeks capital <br> appreciation<br>| Nomura VIP<sup>®</sup> Small Cap <br> Value Series <br> Adviser: Delaware <br> Management Company<br>| 0.74% | 8.16% | 9.26% | 9.15% |
| 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% |
| 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<sup>®</sup> Index<br>| Fidelity VIP <br> Equity-Income Portfolio<br> Adviser: Fidelity <br> Management & Research <br> [Company](#bookmark_comp_c88c7192-79d7-45db-8fb3-6e487739433a) 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% |
| Equity Fund<br> Seeks long-term capital <br> appreciation<br>| Fidelity VIP Contrafund<sup>®</sup> <br> Portfolio<br> Adviser: Fidelity <br> Management & Research <br> [Company](#bookmark_comp_c88c7192-79d7-45db-8fb3-6e487739433a) 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% |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Type/Investment** <br> **Objective** | **Underlying Fund 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 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 long-term <br> growth of capital<br>| Fidelity VIP Mid Cap <br> Portfolio<br> Adviser: Fidelity <br> Management & Research <br> [Company](#bookmark_comp_c88c7192-79d7-45db-8fb3-6e487739433a) 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>| 0.55% | 11.75% | 10.10% | 10.59% |  |
| Equity Fund<br> Seeks long-term <br> growth of capital<br>| Goldman Sachs VIT <br> Small Cap Equity Insights <br> Fund<br> Adviser: Goldman Sachs <br> Asset Management, L.P. <br>| 0.82% | 16.14% | 10.47% | 10.84% |  |
| Equity Fund<br> Seeks long-term <br> growth of capital and <br> dividend income<br>| Goldman Sachs VIT US <br> Equity Insights Fund<br> Adviser: Goldman Sachs <br> Asset Management, L.P.<br>| 0.56% | 15.75% | 13.81% | 13.73% |  |
| Equity Fund<br> Seeks capital <br> appreciation<br>| Invesco V.I. Main Street <br> Fund<sup>®</sup> <br>Adviser: Invesco <br> Advisers, Inc.<br>| 0.80% | 15.93% | 12.47% | 12.53% |  |
| Equity Fund<br> Seeks capital <br> appreciation<br>| MFS<sup>®</sup> VIT III Mid Cap <br> Value Portfolio<br> Adviser: MFS<br>| 0.79% | 5.98% | 10.18% | 9.95% |  |
| Equity Fund<br> Seeks long-term <br> growth of capital by <br> investing primarily in <br> securities of <br> companies that meet <br> Fund's environmental, <br> social and governance <br> (ESG) criteria<br>| Neuberger Berman <br> Advisers Management <br> Trust Sustainable Equity <br> Portfolio<br> Adviser: Neuberger <br> Berman Investment <br> Advisers LLC <br>| 0.87% | 13.71% | 12.83% | 12.94% |  |
| Equity Fund<br> Seeks to provide <br> long-term capital <br> growth with income as <br> secondary objective<br>| T. Rowe Price Blue Chip <br> Growth Portfolio<br> Adviser: T. Rowe Price <br> Associates, Inc.<br>| 0.75% | 18.74% | 11.68% | 15.54% |  |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Type/Investment** <br> **Objective** | **Underlying Fund 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 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 and <br> income<br>| Vanguard Variable <br> Insurance Fund <br> Diversified Value <br> Portfolio<sup>®</sup> <br>Advisers: Lazard Asset <br> Management LLC and <br> Hotchkis and Wiley <br> Capital Management, <br> LLC<br>| 0.28% | 16.83% | 13.24% | 11.76% |  |
| Equity Fund<br> Seeks to provide <br> long-term capital <br> appreciation<br>| Vanguard Variable <br> Insurance <br> Fund International <br> Portfolio<sup>®</sup> <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% |  |
| Real Estate Fund<br> Seeks to provide a high <br> level of income and <br> moderate long-term <br> capital appreciation by <br> tracking performance <br> of a benchmark index <br> that measures <br> performance of publicly <br> traded equity REITs <br> and other real <br> estate-related <br> investments<br>| Vanguard Variable <br> Insurance Fund Real <br> Estate Index Portfolio<sup>®</sup> <br>Adviser: The Vanguard <br> Group, Inc.<br>| 0.26% | 3.11% | 4.51% | 5.08% |  |
| 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% | 2.11% |  |
| 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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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Type/Investment** <br> **Objective** | **Underlying Fund 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 and**<br> **Adviser/Subadviser** | **Current** <br> **Expenses**<sup>1</sup> | **1 year** | **5 year** | **10 year** | **Life of**<br> **Fund**<br>|
| 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 Funds<br> Insurance Series – The <br> Bond Fund of America <br> (Class 1)<br> Adviser: Capital <br> Research and <br> Management Company<br>| 0.22% | 7.40% | 0.10% | 2.61% |  |
| Fixed Income<br> Seeks to achieve its <br> investment objective by <br> investing under normal <br> circumstances at least <br> 80% of its net assets in <br> inflation-indexed bonds <br> of varying maturities <br> issued by the U.S. and <br> non-U.S. governments, <br> their agencies or <br> instrumentalities and <br> corporations, which <br> may be represented by <br> forwards or derivatives <br> such as options, <br> futures contracts or <br> swap agreements <br>| PIMCO Variable <br> Insurance Trust Real <br> Return Portfolio <br> (Institutional Class)<br> Adviser: Pacific <br> Investment Management <br> [Company](#bookmark_comp_c88c7192-79d7-45db-8fb3-6e487739433a) LLC <br>| 1.24% | 8.01% | 1.36% | 3.37% |  |
| Fixed Income Fund<br> Seeks to track the <br> performance of a <br> broad, market-weighted <br> bond index<br>| Vanguard Variable <br> Insurance Fund Total <br> Bond Market Index <br> Portfolio<sup>®</sup> <br>Adviser: The Vanguard <br> Group, Inc.<br>| 0.14% | 6.94% | -0.51% | 1.90% |  |
| 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](#bookmark_comp_c88c7192-79d7-45db-8fb3-6e487739433a) 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% |  |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Type/Investment** <br> **Objective** | **Underlying Fund 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 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 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% |  |
| Balanced Fund<br> Seeks to provide <br> current income and low <br> to moderate capital <br> appreciation<br>| Vanguard Variable <br> Insurance Funds – <br> Conservative Allocation <br> Portfolio<br> Adviser: The Vanguard <br> Group, Inc.<br>| 0.12% | 12.73% | 4.22% | 6.14% |  |
| 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% |  |
| Balanced Fund<br> Investment objectives <br> are to achieve <br> long-term growth of <br> capital and income <br> while seeking to <br> manage volatility and <br> provide downside <br> protection<br>| American <br> Funds Insurance Series – <br> Managed Risk <br> Growth-Income Fund <br> (Class P1)<br> Adviser: Capital <br> Research and <br> Management Company<br>| 0.63% | 11.45% | 7.97% | 9.26% |  |
| Balanced Funds<br> Seeks high total return <br> with a secondary <br> objective of principal <br> preservation<br>| Fidelity VIP Freedom <br> Retirement Portfolio <br> (Initial Class)<br> Adviser: Fidelity <br> Management & Research <br> Company LLC (FMR)<br>| 0.36% | 9.63% | 2.35% | 4.44% |  |
| Balanced Funds<br> Seeks high total return <br> with a secondary <br> objective of principal <br> preservation as the <br> fund approaches its <br> target date and beyond<br>| Fidelity VIP Freedom <br> 2020 Portfolio (Initial <br> Class)<br> Adviser: Fidelity <br> Management & Research <br> Company LLC (FMR)<br>| 0.44% | 13.33% | 4.48% | 7.38% |  |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Type/Investment** <br> **Objective** | **Underlying Fund 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 and**<br> **Adviser/Subadviser** | **Current** <br> **Expenses**<sup>1</sup> | **1 year** | **5 year** | **10 year** | **Life of**<br> **Fund**<br>|
| Balanced Funds<br> Seeks high total return <br> with a secondary <br> objective of principal <br> preservation as the <br> fund approaches its <br> target date and beyond<br>| Fidelity VIP Freedom <br> 2025 Portfolio (Initial <br> Class)<br> Adviser: Fidelity <br> Management & Research <br> Company LLC (FMR)<br>| 0.46% | 14.59% | 5.52% | 8.02% |  |
| Balanced Funds<br> Seeks high total return <br> with a secondary <br> objective of principal <br> preservation as the <br> fund approaches its <br> target date and beyond<br>| Fidelity VIP Freedom <br> 2030 Portfolio (Initial <br> Class)<br> Adviser: Fidelity <br> Management & Research <br> Company LLC (FMR)<br>| 0.49% | 15.52% | 6.25% | 8.88% |  |
| Balanced Funds<br> Seeks high total return <br> with a secondary <br> objective of principal <br> preservation as the <br> fund approaches its <br> target date and beyond<br>| Fidelity VIP Freedom <br> 2035 Portfolio (Initial <br> Class)<br> Adviser: Fidelity <br> Management & Research <br> Company LLC (FMR)<br>| 0.53% | 16.69% | 7.55% | 10.00% |  |
| Balanced Funds<br> Seeks high total return <br> with a secondary <br> objective of principal <br> preservation as the <br> fund approaches its <br> target date and beyond<br>| Fidelity VIP Freedom <br> 2040 Portfolio (Initial <br> Class)<br> Adviser: Fidelity <br> Management & Research <br> Company LLC (FMR)<br>| 0.57% | 18.79% | 9.01% | 10.87% |  |
| Balanced Funds<br> Seeks high total return <br> with a secondary <br> objective of principal <br> preservation as the <br> fund approaches its <br> target date and beyond<br>| Fidelity VIP Freedom <br> 2045<br> Portfolio (Initial Class)<br> Adviser: Fidelity <br> Management & Research <br> Company LLC (FMR)<br>| 0.60% | 19.83% | 9.44% | 11.09% |  |
| Balanced Funds<br> Seeks high total return <br> with a secondary <br> objective of principal <br> preservation as the <br> fund approaches its <br> target date and beyond<br>| Fidelity VIP Freedom <br> 2050 Portfolio (Initial <br> Class) <br> Adviser: Fidelity <br> Management & Research <br> Company LLC (FMR)<br>| 0.60% | 19.79% | 9.43% | 11.08% |  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type/Investment** <br> **Objective** | **Underlying Fund 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** |
| **Type/Investment** <br> **Objective** | **Underlying Fund and**<br> **Adviser/Subadviser** | **Current** <br> **Expenses**<sup>1</sup> | **1 year** | **5 year** | **10 year** |
| Balanced Funds<br> Seeks high total return <br> with a secondary <br> objective of principal <br> preservation as the <br> fund approaches its <br> target date and beyond<br>| Fidelity VIP Freedom <br> 2055 Portfolio (Initial <br> Class)<br> Adviser: Fidelity <br> Management & Research <br> Company LLC (FMR)<br>| 0.60% | 19.85% | 9.43%<br>11.60%<sup>5</sup> <br>|  |
| Balanced Funds<br> Seeks high total return <br> with a secondary <br> objective of principal <br> preservation as the <br> fund approaches its <br> target date and beyond<br>| Fidelity VIP Freedom <br> 2060 Portfolio (Initial <br> Class)<br> Adviser: Fidelity <br> Management & Research <br> Company LLC (FMR)<br>| 0.60% | 19.83% | 9.44%<br>11.62%<sup>5</sup> <br>|  |

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\*

"Standard & Poor's," "S&P," "S&P 500", "S&P MidCap 400" and "S&P SmallCap 600" are trademarks of Standard & Poor's Financial Services LLC, a subsidiary of The McGraw-Hill Companies, Inc. and have been licensed for use by Mutual of America Investment Corporation's Adviser. Standard & Poor's does not sponsor, endorse, sell or promote the Equity Index Fund, All America Fund, Small Cap Equity Index Fund or Mid-Cap Equity Index Fund. It has no obligation or liability for the sale or operation of the Funds and makes no representations as to the advisability of investing in the Funds.

<sup>1</sup>

The reported expense ratio for the following funds is net of fee waivers that may not continue: all American Funds Insurance Series Funds, Calvert VP SRI Balanced Portfolio, Fidelity VIP Asset Manager Portfolio, all Goldman Sachs VIT Funds, Invesco V.I. Main Street Fund, and MFS VIT III Mid Cap Value Portfolio. Refer to the prospectuses of the Underlying Funds for more information.

<sup>2</sup>

Since inception date January 24, 2020.

<sup>3</sup>

Since inception date September 7, 2017.

<sup>4</sup>

Since inception date September 22, 2017.

<sup>5</sup>

Since inception date April 11, 2019.

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[**Mutual of America**](#bookmark_comp_c88c7192-79d7-45db-8fb3-6e487739433a)[**Separate Account**](#bookmark_sa_c88c7192-79d7-45db-8fb3-6e487739433a) **No. 2**

**320 Park Avenue, New York, New York 10022-6839**

[**You**](#bookmark_you_c88c7192-79d7-45db-8fb3-6e487739433a) **May Obtain More Information**

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The Statement of Additional Information (the "SAI") dated May 1, 2026 contains additional information about this Contract, the Separate Account, and our operations. The SAI has been filed with the SEC and is incorporated by reference into this Prospectus. The SAI is available, without charge, upon request. You may obtain a free copy of the SAI, request other information about the Contracts, or make investor inquiries, by writing to Mutual of America at 320 Park Avenue, New York, NY 10022-6839, or calling us at 800.574.9267.

You may also obtain the Prospectus, SAI and other information free of charge through the Mutual of America Life Insurance Company website at http://www.mutualofamerica.com.

The SEC has a website at http://www.sec.gov. Reports and other information about Separate Account No. 2 are available through that SEC website. You also may obtain copies of reports and other information about the Separate Account, upon your payment of a duplicating fee, by electronic request at this e-mail address: publicinfo@sec.gov.

*Investment Company Act of 1940 File Number 811-03996* <br>*Securities Act of 1933 Registration Number 33-11023*

EDGAR Contract identifier C000242642.

**Prospectus dated May 1, 2026**

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