# EDGAR Filing Document

**Accession Number:** 0001086711
**File Stem:** 0001104659-26-046585
**Filing Date:** 2026-4
**Character Count:** 21279
**Document Hash:** ffa24f595e6aaea8d69ce5d6c0acd994
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-26-046585.hdr.sgml**: 20260422

**ACCESSION NUMBER**: 0001104659-26-046585

**CONFORMED SUBMISSION TYPE**: N-VP

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260422

**DATE AS OF CHANGE**: 20260422

**EFFECTIVENESS DATE**: 20260422

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SOUTHERN FARM BUREAU LIFE VARIABLE ACCOUNT
- **CENTRAL INDEX KEY:** 0001086711

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

**FILING VALUES:**
- **FORM TYPE:** N-VP
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-79865
- **FILM NUMBER:** 26882371

**BUSINESS ADDRESS:**
- **STREET 1:** 1401 LIVINGSTON LANE
- **CITY:** JACKSON
- **STATE:** MS
- **ZIP:** 39213
- **BUSINESS PHONE:** 6019817422

**MAIL ADDRESS:**
- **STREET 1:** 1401 LIVINGSTON LANE
- **CITY:** JACKSON
- **STATE:** MS
- **ZIP:** 39213

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** SOUTHERN FARM BUREAU LIFE ANNUITY ACCOUNT
- **DATE OF NAME CHANGE:** 19990518

## Series and Classes Contracts Data

### SOUTHERN FARM BUREAU LIFE VARIABLE ACCOUNT (Series ID: S000005431)

| Class ID   | Class Name                                                          | Ticker Symbol   |
|:---|:---|:---|
| C000014775 | Non-Participating Flexible Premium Deferred Variable Annuity Policy |  |

**SOUTHERN FARM BUREAU LIFE VARIABLE ACCOUNT**

INDIVIDUAL FLEXIBLE PREMIUM DEFERRED

VARIABLE ANNUITY CONTRACT

NOTICE DOCUMENT

MAY 1, 2026

This Notice Document summarizes certain key features for the Individual Flexible Premium Deferred Variable Annuity Contract ("the Contract") offered by Southern Farm Bureau Life Insurance Company ("the Company"). You can find other information about the Contract online at <u>www.sfbli.com</u>. You can also obtain this information at no cost by calling 1-866-288-2172.

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

**<u>**TABLE OF CONTENTS**</u>**

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| | |
|:---|:---|
| DEFINITIONS | 1 |
| UPDATED INFORMATION ABOUT YOUR CONTRACT | 2 |
| IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT | 3 |
| APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT | 5 |

---

**<u>DEFINITIONS</u>**

**Account:** Southern Farm Bureau Life Variable Account.

**Accumulated Value:** The total amount invested under the Contract, which is the sum of the values of the Contract in each Subaccount of the Account, plus the value of the Contract in the Declared Interest Option.

**Administrative Office:** The Company's Administrative Office is located at 1401 Livingston Lane, Jackson, Mississippi 39213; mailing address P.O. Box 140, Jackson, Mississippi 39205-0140; telephone number 1-866-288-2172.

**Annuitant:** The person, or persons whose life (or lives) determines the annuity benefits payable under the Contract and whose death determines the death benefit.

**The Company ("we", "us" or "our")**: Southern Farm Bureau Life Insurance Company.

**Contract:** The individual flexible premium deferred variable annuity contract we offer and describe in this Notice Document and the Prospectus, which term includes the Contract, any endorsement or additional benefit riders or agreements, the Contract application and any supplemental applications.

**Contract Anniversary:** The same date in each Contract Year as the Contract Date.

**Contract Date:** The date on which the Company receives a properly completed application and the initial premium at the Administrative Office. It is the date set forth on the data page of the Contract, which the Company uses to determine Contract Years and <u>Contract Anniversaries</u>.

**Contract Year:** A twelve-month period beginning on the Contract Date or on a Contract Anniversary.

**Declared Interest Option:** An investment option under the Contract funded by the Company's <u>General Account</u>. It is not part of, nor dependent upon, the investment performance of the <u>Account</u>.

**Fund:** An investment company registered with the <u>SEC</u> under the Investment Company Act of 1940, as amended ("1940 Act"), as an open-end diversified management investment company or unit investment trust in which the Account invests.

**General Account:** The assets of the Company other than those allocated to the Account or any other separate account of the Company.

**Investment Option:** A Fund, or a separate investment portfolio of a Fund, in which a Subaccount invests.

**Owner ("you" or "your"):** The person who owns the contract and who is entitled to exercise all rights and privileges provided in the Contract.

**Retirement Date:** The date when the Company applies the Accumulated Value under a payment option if the Annuitant is still living.

**SEC:** The U.S. Securities and Exchange Commission.

**Subaccount:** A subdivision of the Account, which invests its assets exclusively in a corresponding Investment Option.

**<u>UPDATED INFORMATION ABOUT YOUR CONTRACT</u>**

No updates have been made under the <u>Contract</u> during the past year.

**<u>IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT</u>**

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| | |
|:---|:---|
| &nbsp;&nbsp;**FEES AND EXPENSES** | &nbsp;&nbsp;**FEES AND EXPENSES** |
| &nbsp;&nbsp;**Transaction Charges** | &nbsp;&nbsp;You may transfer monies in a <u>Subaccount</u> or the <u>Declared Interest Option</u> to another Subaccount or the Declared Interest Option on or before the <u>Retirement Date</u>. <u>The Company</u> waives fees for the first twelve transfers during a <u>Contract Year</u>. However, the Company reserves the right to assess a transfer-processing fee of $25 for the 13th and each subsequent transfer during a Contract Year.<br>|
| &nbsp;&nbsp;**Ongoing Fees and Expenses (annual charges)** | &nbsp;&nbsp;The table below describes the fees and expenses that you may pay each year, depending on the options you choose. Please refer to your Contract specifications page, this prospectus and the <u>Funds</u>' prospectuses for information about the specific fees you will pay each year based on the options you elected. |

---

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| |
|:---|
| &nbsp;&nbsp;**Annual Fee** |
| &nbsp;&nbsp;Base Contract&nbsp;&nbsp;1.40%<sup>1</sup>&nbsp;&nbsp;1.64%<sup>1</sup> |
| &nbsp;&nbsp; Investment Options<br> (Fund fees and expenses)<br>&nbsp;&nbsp; 0.09%<sup>2</sup><br>&nbsp;&nbsp; 0.84%<sup>2</sup> |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>1</sup> We calculate the Base Contract fee by dividing the total amount we receive from the annual administrative charge and the mortality and expense risk charge for the last fiscal year by the total average net assets attributable to the Contract for that year.<br><sup>2</sup> As a percentage of Fund assets.<br>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.<br>

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lowest Annual Cost: $1,362.92** | &nbsp;&nbsp;**Lowest Annual Cost: $1,362.92** | &nbsp;&nbsp;**Highest Annual Cost: $1,983.58** | &nbsp;&nbsp;**Highest Annual Cost: $1,983.58** |
| &nbsp;&nbsp;Assumes: | &nbsp;&nbsp;Assumes: | &nbsp;&nbsp;Assumes: | &nbsp;&nbsp;Assumes: |
| &nbsp;&nbsp;· | &nbsp;&nbsp;Investment of $100,000 | &nbsp;&nbsp;· | &nbsp;&nbsp;Investment of $100,000 |
| &nbsp;&nbsp;· | &nbsp;&nbsp;5% annual appreciation | &nbsp;&nbsp;· | &nbsp;&nbsp;5% annual appreciation |
| &nbsp;&nbsp;· | &nbsp;&nbsp;Least expensive Investment Option fees and expenses | &nbsp;&nbsp;· | &nbsp;&nbsp;Most expensive Investment Option fees and expenses |
| &nbsp;&nbsp;· | &nbsp;&nbsp;No optional benefits | &nbsp;&nbsp;· | &nbsp;&nbsp;No optional benefits |
| &nbsp;&nbsp;· | &nbsp;&nbsp;No sales charges | &nbsp;&nbsp;· | &nbsp;&nbsp;No sales charges |
| &nbsp;&nbsp;· | &nbsp;&nbsp;No additional purchase payments, transfers, or withdrawals | &nbsp;&nbsp;· | &nbsp;&nbsp;No additional purchase payments, transfers, or withdrawals |

---

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| | |
|:---|:---|
| &nbsp;&nbsp;**RISKS** | &nbsp;&nbsp;**RISKS** |
| &nbsp;&nbsp;**Risk of Loss** | &nbsp;&nbsp;You can lose money by investing in this Contract, including loss of your principal investment. |
| &nbsp;&nbsp; **Not a Short-Term Investment**  | &nbsp;&nbsp; This Contract is not designed for short-term investment and is not appropriate for an investor who needs ready access to cash.<br>Withdrawals may reduce or terminate contract guarantees.<br>The benefits of tax deferral also means the Contract is more beneficial to investors with a long time horizon. |
| &nbsp;&nbsp; **Risks Associated with Investment Options**  | &nbsp;&nbsp; · An investment in this Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Funds available under the Contract.<br> · Each Fund has its own unique risks.<br> · You should review the prospectuses for the available Funds before making an investment decision. |
| &nbsp;&nbsp;**Society Risk** | &nbsp;&nbsp;An investment in the Contract is subject to the risks related to us, Southern Farm Bureau Life Insurance Company. Any obligations (including under the Declared Interest Option), guarantees, or benefits are subject to our claims-paying ability. More information about the Company, including its financial strength ratings, is available upon request by calling the <u>Administrative Office</u> at 1-866-288-2172. |
| &nbsp;&nbsp;**RESTRICTIONS** | &nbsp;&nbsp;**RESTRICTIONS** |
| &nbsp;&nbsp;**<u>Investment Options</u>** | &nbsp;&nbsp; · Currently, there is no charge when you transfer monies among Subaccounts and between the Subaccounts and the Declared Interest Option. However, the Company reserves the right to charge $25 per transfer in excess of 12 in a single Contract Year.<br> · The Company reserves the right to remove or substitute Investment Options that are available under the Contract. |
| &nbsp;&nbsp;**TAXES** | &nbsp;&nbsp;**TAXES** |
| &nbsp;&nbsp;**Tax Implications** | &nbsp;&nbsp; · You should consult with a tax professional to determine the tax implications of an investment in and purchase payments received under the Contract.<br> · There is no additional tax benefit if you purchase the Contract through a qualified retirement plan or individual retirement account (IRA).<br> · Earnings on your Contract are taxed at ordinary income tax rates when you withdraw them, and you may have to pay a penalty if you take a withdrawal before age 59½. |
| &nbsp;&nbsp;**CONFLICTS OF INTEREST** | &nbsp;&nbsp;**CONFLICTS OF INTEREST** |
| &nbsp;&nbsp; **Investment Professional Compensation** | &nbsp;&nbsp; Compensation for the sale of these Contracts in the form of commissions, cash, or non-cash compensation is no longer paid by the Company. |
| &nbsp;&nbsp;**Exchanges** | &nbsp;&nbsp;Some investment professionals may have a financial incentive to offer you a new contract in place of the Contract you already own. You should only exchange your current Contract if you determine, after comparing the features, fees, and risks of both contracts, that it is better for you to purchase the new contract rather than continue to own your existing Contract. |

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**<u>APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT</u>**

The following is a list of Investment Options available under the Contract. More information about the Investment Options is available in the prospectuses for the Investment Options, which may be amended from time and time. You can also request this information at no cost by calling the Variable Product Administrative Office at 1-866-288-2172.

The current expenses and performance information below reflect fees and expenses of the Investment Options, 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 Investment Option's past performance is not necessarily an indication of future performance.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | | | **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)** |
| <br>**Investment Objective** | <br>**Investment Option and Adviser** | **Current<br> Expenses**<br>**Ratio** | **1 Year** | **5 Year** | **10 Year** |
| High level of dividend income and long-term capital growth primarily through investments in stocks. | ***T. Rowe Price Equity Series, Inc.***<br>Equity Income Portfolio<br>*Adviser*: T. Rowe Price Associates, Inc. | 0.74% | 14.36% | 11.17% | 10.51% |
| Long-term capital appreciation by investing in mid-cap stocks with potential for above-average earnings growth. | ***T. Rowe Price Equity Series, Inc.***<br>Mid-Cap Growth Portfolio<br>*Adviser*: T. Rowe Price Associates, Inc. | 0.84% | 3.55% | 3.84% | 9.81% |
| Highest total return over time consistent with an emphasis on both capital appreciation and income. | ***T. Rowe Price Equity Series, Inc.***<br>Moderate Allocation Portfolio<br>*Adviser*: T. Rowe Price Associates, Inc. | 0.70% | 14.50% | 5.50% | 7.84% |
| Long-term capital growth. Income is secondary objective. | ***T. Rowe Price Equity Series, Inc.***<br>Blue Chip Growth Portfolio<br>*Adviser*: T. Rowe Price Associates, Inc. | 0.75% | 18.74% | 11.68% | 15.54% |
| High level of income consistent with moderate fluctuation in principal value. | ***T. Rowe Price Fixed Income Series, Inc.***<br>Limited-Term Bond Portfolio<br>*Adviser*: T. Rowe Price Associates, Inc. | 0.50% | 5.71% | 2.17% | 2.34% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | | | **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)** |
| <br>**Investment Objective** | <br>**Investment Option and Adviser** | **Current<br> Expenses**<br>**Ratio** | **1 Year** | **5 Year** | **10 Year** |
| Capital appreciation. | ***Fidelity Variable Insurance Products Funds***<br>Growth Portfolio - Initial Class<br>*Adviser*: Fidelity Management & Research Company, LLC | 0.55% | 14.92% | 13.70% | 17.45% |
| High level of income, while also considering growth of capital. | ***Fidelity Variable Insurance Products Funds***<br>High Income Portfolio - Initial Class<br>*Adviser*: Fidelity Management & Research Company, LLC | 0.64% | 10.36% | 4.22% | 5.59% |
| Long-term growth of capital. | ***Fidelity Variable Insurance Products Funds***<br>Overseas Portfolio - Initial Class<br>*Adviser:* Fidelity Management & Research Company, LLC | 0.72% | 20.39% | 6.62% | 7.93% |
| Long-term capital appreciation. | ***Fidelity Variable Insurance Products Funds***<br>Contrafund Portfolio - Initial Class<br>*Adviser*: Fidelity Management & Research Company, LLC | 0.54% | 21.52% | 15.37% | 15.78% |
| Investment results that correspond to the total return of common stocks publicly traded in the United States as represented by the S&P 500 Index. | ***Fidelity Variable Insurance Products Funds***<br>Index 500 Portfolio - Initial Class<br>*Adviser*: Fidelity Management & Research Company, LLC<br>*Sub-Adviser:* Geode Capital Management, LLC | 0.09% | 17.78% | 14.31% | 14.70% |
| Long-term growth of capital. | ***Fidelity Variable Insurance Products Funds***<br>Mid Cap Portfolio - Initial Class<br>*Adviser*: Fidelity Management & Research Company, LLC | 0.55% | 11.75% | 10.10% | 10.59% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | | | **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)** |
| <br>**Investment Objective** | <br>**Investment Option and Adviser** | **Current<br> Expenses**<br>**Ratio** | **1 Year** | **5 Year** | **10 Year** |
| Capital appreciation. | ***Fidelity Variable Insurance Products Funds***<br>Disciplined Small Cap Portfolio - Initial Class<br>*Adviser*: Fidelity Management & Research Company, LLC<br>*Sub-Adviser:* Geode Capital Management,<br> LLC | 0.32% | 17.38% | 10.36% | 10.60% |
| Capital appreciation. | ***Fidelity Variable Insurance Products Funds***<br>Dynamic Capital Appreciation Portfolio -<br> Initial Class<br>*Adviser*: Fidelity Management & Research Company, LLC | 0.61% | 18.79% | 13.67% | 14.87% |
| Reasonable income also considers the potential for capital appreciation.  | ***Fidelity Variable Insurance Products Funds***<br>Equity Income Portfolio - Initial Class<br>*Adviser*: Fidelity Management & Research Company, LLC | 0.46% | 19.02% | 12.51% | 11.60% |
| Level of current income as is consistent with the preservation of capital. | ***Fidelity Variable Insurance Products Funds***<br>Investment Grade Bond Portfolio - Initial<br> Class<br>*Adviser*: Fidelity Management & Research Company, LLC | 0.37% | 7.22% | 0.06% | 2.71% |
| Capital appreciation. | ***Fidelity Variable Insurance Products Funds***<br>Value Strategies Portfolio - Initial Class<br>*Adviser*: Fidelity Management & Research Company, LLC | 0.59% | 7.99% | 12.14% | 10.82% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | | | **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)** |
| <br>**Investment Objective** | <br>**Investment Option and Adviser** | **Current<br> Expenses**<br>**Ratio** | **1 Year** | **5 Year** | **10 Year** |
| Level of current income as is consistent with the preservation of capital and liquidity. | ***Fidelity Variable Insurance Products Funds***<br>Government Money Market Portfolio -<br> Initial Class<br>*Adviser*: Fidelity Management & Research Company, LLC | 0.25% |  |  |  |
| Maximum income while maintaining prospects for capital appreciation. Under normal market conditions, invests in a diversified portfolio of debt and equity securities. | ***Franklin Templeton Variable Insurance***<br> ***Products Trust***<br>Franklin Income VIP Fund<br> Class I<br>*Adviser:* Franklin Advisers, Inc. | 0.47% | 12.87% | 7.92% | 7.57% |
| Seeks long-term capital appreciation and preservation of capital is an important consideration. Under normal market conditions, invests at least 80% of its net assets in equity securities. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***Franklin Templeton Variable Insurance***<br> ***Products Trust***<br> ****<br> Franklin Rising Dividends VIP Fund<br> Class I<br> ****<br> *Adviser:* Franklin Advisers, Inc. | 0.63% | 12.05% | 9.77% | 12.37% |
| Seeks long-term total return. Under normal market conditions, invests at least 80% of net assets in investments of small capitalization companies. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***Franklin Templeton Variable Insurance***<br> ***Products Trust***<br> ****<br> Franklin Small Cap Value VIP Fund<br> Class I<br> ****<br> *Adviser:* Franklin Advisers, Inc. | 0.66% | 7.90% | 9.13% | 10.09% |
| Seeks long-term capital growth. Under normal market conditions, invests at least 80% of its net assets in investments of small capitalization and midcapitalization companies. | ***Franklin Templeton Variable Insurance***<br> ***Products Trust***<br>Franklin Small-Mid Cap Growth VIP Fund<br> Class I<br>*Adviser:* Franklin Advisers, Inc. | 0.83% | 2.70% | 1.27% | 10.16% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | | | **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)** |
| <br>**Investment Objective** | <br>**Investment Option and Adviser** | **Current<br> Expenses**<br>**Ratio** | **1 Year** | **5 Year** | **10 Year** |
| Seeks capital appreciation and income. Under normal market conditions, invests primarily in U.S. and foreign equity securities. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***Franklin Templeton Variable Insurance***<br> ***Products Trust***<br>Franklin Mutual Shares VIP Fund<br> Class I<br>*Adviser*: Franklin Advisers, Inc. | 0.69% | 11.81% | 9.49% | 7.80% |
| Seeks high current income. Capital appreciation is a secondary consideration. Under normal market conditions, invests at least 80% of its net assets in bonds. | ***Franklin Templeton Variable Insurance***<br> ***Products Trust***<br>Templeton Global Bond VIP Fund<br> Class I<br>*Adviser:* Franklin Advisers, Inc. | 0.46% | 16.09% | -0.69% | 0.11% |

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You may request other information about this Contract and make investor inquiries by calling us at 1-866-288-2172. Reports and other information about Southern Farm Bureau Life Variable Account are available on the SEC'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 ID No.: C000014775