# EDGAR Filing Document

**Accession Number:** 0001097237
**File Stem:** 0001164098-26-001144
**Filing Date:** 2026-5
**Character Count:** 33577
**Document Hash:** f45311dc8234c51fbf9a233293f17187
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001164098-26-001144.hdr.sgml**: 20260501

**ACCESSION NUMBER**: 0001164098-26-001144

**CONFORMED SUBMISSION TYPE**: N-VP

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260501

**DATE AS OF CHANGE**: 20260501

**EFFECTIVENESS DATE**: 20260501

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VARIABLE LIFE ACCOUNT A
- **CENTRAL INDEX KEY:** 0001097237

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

**FILING VALUES:**
- **FORM TYPE:** N-VP
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-153785
- **FILM NUMBER:** 26930888

**BUSINESS ADDRESS:**
- **STREET 1:** 4333 EDGEWOOD RD N E
- **CITY:** CEDAR RAPIDS
- **STATE:** IA
- **ZIP:** 52499
- **BUSINESS PHONE:** 319-355-8366

**MAIL ADDRESS:**
- **STREET 1:** 4333 EDGEWOOD RD N E
- **CITY:** CEDAR RAPIDS
- **STATE:** IA
- **ZIP:** 52499

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** LIFE INVESTORS VARIABLE LIFE ACCOUNT A
- **DATE OF NAME CHANGE:** 19991019

## Series and Classes Contracts Data

### VARIABLE LIFE ACCOUNT A (Series ID: S000006042)

| Class ID   | Class Name         | Ticker Symbol   |
|:---|:---|:---|
| C000016606 | Variable Protector |  |

**Annual Notice Dated May 1, 2026**

**VARIABLE PROTECTOR**

**issued through<br>Variable Life Account A**

**by**

**Transamerica Life Insurance Company**

**AN INDIVIDUAL FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE POLICY**

**Sales of this Policy were discontinued for new purchasers in 2004**

This Annual Notice Document ("Notice") provides certain updated information about the Variable Protector (the "Policy"), a flexible premium variable life insurance policy which is no longer available for purchase.

Transamerica Life Insurance Company ("Transamerica") is providing this Notice in lieu of an updated prospectus for the Policy in reliance on the Securities and Exchange Commission's position on modernized alternative disclosures for discontinued variable life offerings. Updated audited financial statements for Transamerica Life Insurance Company and for Variable Life Account A ("Separate Account") are available, free of charge, at http://dfinview.com/Transamerica/TAHD/893000000?site=VAVUL.

In addition, current summary prospectuses, statutory prospectuses, statements of additional information, and the most recent shareholder reports for the funds available under the Policy ("Funds") are available, free of charge, at the same website address as above. To request a free paper or e-mail copy of any of these materials, please contact us at the information listed below.

Your Policy prospectus dated May 1, 2004, as supplemented, is incorporated herein by reference and contains more information about the Policy's features, benefits, and risks.

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

**Please direct transactions, claim forms, payments and other correspondence and notices as follows:**

---

| | |
|:---|:---|
| &nbsp;&nbsp; ***Transaction***  | &nbsp;&nbsp; ***Direct or Send to***  |
| &nbsp;&nbsp; Telephonic Transaction  | &nbsp;&nbsp; 1-800-851-9777 (toll free)  |
| &nbsp;&nbsp; Electronic Transaction  | &nbsp;&nbsp; <u>transamerica.com</u>  |
| &nbsp;&nbsp; Payments made by check  | &nbsp;&nbsp; 6400 C St. SW, Cedar Rapids IA 52499-7463  |
| &nbsp;&nbsp; Claims, general correspondence, and notices  | &nbsp;&nbsp; *<u>Mailing Address</u>:* 6400 C St. SW, Cedar Rapids IA 52499-0001  |

---

Contents

---

| | |
|:---|:---|
| [SPECIAL TERMS](#_Toc226382974) | [2](#_Toc226382974) |
| [Summary of Recent Policy Changes](#_Toc226382975) | [3](#_Toc226382975) |
| [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE POLICY](#_Toc226382976) | [4](#_Toc226382976) |
| [Appendix: Portfolio Companies Available Under The Policy](#_Toc226382977) | [7](#_Toc226382977) |

---

#### SPECIAL TERMS

---

| | |
|:---|:---|
| &nbsp;&nbsp; **administrative office**  | &nbsp;&nbsp; Our administrative office address is 6400 C St. SW, Cedar Rapids IA 52499-0001. Our phone number is 1-800-851-9777. Our administrative office serves as the recipient of all website (transamerica.com), telephonic and facsimile transactions, including, but not limited to transfer requests and premium payments made by wire transfer and through electronic credit and debit transactions (e.g., payments through direct deposit, debit transfers, and forms of e-commerce payments). Our hours are Monday – Friday 7:30 a.m. – 6:00 p.m. Central Time. Please do not send any checks, claims, correspondence, or notices to this office; send them to the mailing address.  |
| &nbsp;&nbsp; **beneficiary(ies)**  | &nbsp;&nbsp; The person or persons you select to receive the Policy's death benefit.  |
| &nbsp;&nbsp; **cash value**  | &nbsp;&nbsp; At the end of any valuation period, the sum of your Policy's value in the subaccounts and the fixed account. If there is a Policy loan outstanding, then the cash value includes any amounts held in our fixed account to secure the Policy loan.  |
| &nbsp;&nbsp; **death benefit proceeds**  | &nbsp;&nbsp; The amount we will pay to the beneficiary(ies) on the insured's death. We will reduce the death benefit proceeds by the amount of any outstanding loan amount, including any accrued loan interest and, if the insured dies during the grace period, any charges that are due and unpaid.  |
| &nbsp;&nbsp; **fixed account**  | &nbsp;&nbsp; An allocation option other than the separate account to which you may allocate net premiums and cash value. We guarantee that any amounts you allocate to the fixed account will earn interest at a declared rate. The fixed account is part of our general account.  |
| &nbsp;&nbsp; **insured**  | &nbsp;&nbsp; The person whose life is insured by the Policy.  |
| &nbsp;&nbsp; **lapse**  | &nbsp;&nbsp; When life insurance coverage ends and the Policy terminates because you do not have enough value in the Policy to pay monthly deductions, the surrender charge, and any outstanding loan amount, including accrued loan interest, and you have not made a sufficient payment by the end of the Policy's grace period.  |
| &nbsp;&nbsp; **mutual fund company(ies)**  | &nbsp;&nbsp; A management investment company registered with the SEC. The Policy allows you to invest in the portfolio companies (also known as underlying fund portfolios) of the mutual fund companies through our subaccounts.  |
| &nbsp;&nbsp; **Policy**  | &nbsp;&nbsp; The flexible premium variable life insurance Policy, a contract between us and you that describes the terms of your life insurance Policy.  |
| &nbsp;&nbsp; **portfolio company(ies)**  | &nbsp;&nbsp; Investment options made available by mutual fund companies under the Policy. Also referred to as underlying fund portfolio(s).  |
| &nbsp;&nbsp; **premiums**  | &nbsp;&nbsp; All payments you make under the Policy other than loan repayments.  |
| &nbsp;&nbsp; **specified amount**  | &nbsp;&nbsp; The amount of life insurance coverage under your Policy.  |
| &nbsp;&nbsp; **surrender charge**  | &nbsp;&nbsp; A charge you pay if you withdraw money from your Policy or fully surrender your Policy during certain defined time periods.  |
| &nbsp;&nbsp; **termination**  | &nbsp;&nbsp; When the insured's life is no longer insured under the Policy or any rider, and neither the Policy (nor any rider) is in force.  |
| &nbsp;&nbsp; **we, us, our, the Company** <br> **(Transamerica)**  | &nbsp;&nbsp; Transamerica Life Insurance Company.  |
| &nbsp;&nbsp; **you, your (** **Owner or policyowner)**  | &nbsp;&nbsp; The person entitled to exercise all rights as the owner under the Policy.  |

---

#### Summary of Recent Policy Changes
The information in this Notice is a summary of certain policy features that have changed since the last Prospectus, as supplemented. This may not reflect all of the changes that have occurred since you entered into your [Policy](#Policy).

<br>• For changes in the names of certain [portfolio companies](#portfoliocompany) and/or advisers/sub-advisors please refer to [Appendix: Portfolio](#APPENDIX)[Companies](#APPENDIX)[Available Under The Policy](#APPENDIX)[.](#APPENDIX)

<br>• For updated portfolio expense information please refer to "[Important Information You Should Consider About This Policy](#IMPORTANT)" and Appendix: Portfolios Available Under the Policy.

• For updated portfolio company performance information please refer to Appendix: Portfolio Companies Available Under the Policy.

#### IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE POLICY
Your Policy prospectus dated May 1, 2004, as supplemented, contains more information about the Policy's features, benefits, and risks in addition to what is listed below.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **FEES AND EXPENSES**  | &nbsp;&nbsp; **FEES AND EXPENSES**  | &nbsp;&nbsp; **FEES AND EXPENSES**  | &nbsp;&nbsp; **FEES AND EXPENSES**  | &nbsp;&nbsp; **Location in** <br> **Prospectus**  |
| &nbsp;&nbsp; **Are There Charges for Early Withdrawals?**  | &nbsp;&nbsp; Yes. If [you](#owner) withdraw (or surrender) money from your [Policy](#Policy) during the first 19 Policy years, you will be assessed a surrender charge. You will also be assessed a [surrender charge](#surrendercharge) if you withdraw money from your Policy during the 19-year period following any increase in the Policy's [specified amount](#specifiedamount). The maximum surrender charge depends on when your Policy was issued but will not be greater than $58.00 per $1,000 of the Policy's initial specified amount (or increase in specified amount). <br> For example, if you purchased a Policy with an initial specified amount of $300,000 and were to withdraw $100,000 during the surrender charge period (and assuming that the Policy's specified amount had not been increased), the maximum surrender charge would be $5,800.  | &nbsp;&nbsp; Yes. If [you](#owner) withdraw (or surrender) money from your [Policy](#Policy) during the first 19 Policy years, you will be assessed a surrender charge. You will also be assessed a [surrender charge](#surrendercharge) if you withdraw money from your Policy during the 19-year period following any increase in the Policy's [specified amount](#specifiedamount). The maximum surrender charge depends on when your Policy was issued but will not be greater than $58.00 per $1,000 of the Policy's initial specified amount (or increase in specified amount). <br> For example, if you purchased a Policy with an initial specified amount of $300,000 and were to withdraw $100,000 during the surrender charge period (and assuming that the Policy's specified amount had not been increased), the maximum surrender charge would be $5,800.  | &nbsp;&nbsp; Yes. If [you](#owner) withdraw (or surrender) money from your [Policy](#Policy) during the first 19 Policy years, you will be assessed a surrender charge. You will also be assessed a [surrender charge](#surrendercharge) if you withdraw money from your Policy during the 19-year period following any increase in the Policy's [specified amount](#specifiedamount). The maximum surrender charge depends on when your Policy was issued but will not be greater than $58.00 per $1,000 of the Policy's initial specified amount (or increase in specified amount). <br> For example, if you purchased a Policy with an initial specified amount of $300,000 and were to withdraw $100,000 during the surrender charge period (and assuming that the Policy's specified amount had not been increased), the maximum surrender charge would be $5,800.  | &nbsp;&nbsp; Fee Tables <br> Charges and Deductions  |
| &nbsp;&nbsp; **Is there a Cash Withdrawal Charge?**  | &nbsp;&nbsp; Yes. If you withdraw money from your Policy, we will deduct a processing fee (from the remaining Policy value) equal to the lesser of $25 or 2% of the amount withdrawn.  | &nbsp;&nbsp; Yes. If you withdraw money from your Policy, we will deduct a processing fee (from the remaining Policy value) equal to the lesser of $25 or 2% of the amount withdrawn.  | &nbsp;&nbsp; Yes. If you withdraw money from your Policy, we will deduct a processing fee (from the remaining Policy value) equal to the lesser of $25 or 2% of the amount withdrawn.  | &nbsp;&nbsp; Fee Tables <br> Charges and Deductions  |
| &nbsp;&nbsp; **Are There Transaction Charges?**  | &nbsp;&nbsp; Yes. In addition to surrender charges for early withdrawals, you may also be charged for other transactions. There may be front-end loads on premium payments, charges for transfers between investment options, and administrative charges for withdrawals. <br> [We](#owner) reserve the right to deduct a charge for special services, including overnight delivery and wire service fees.  | &nbsp;&nbsp; Yes. In addition to surrender charges for early withdrawals, you may also be charged for other transactions. There may be front-end loads on premium payments, charges for transfers between investment options, and administrative charges for withdrawals. <br> [We](#owner) reserve the right to deduct a charge for special services, including overnight delivery and wire service fees.  | &nbsp;&nbsp; Yes. In addition to surrender charges for early withdrawals, you may also be charged for other transactions. There may be front-end loads on premium payments, charges for transfers between investment options, and administrative charges for withdrawals. <br> [We](#owner) reserve the right to deduct a charge for special services, including overnight delivery and wire service fees.  | &nbsp;&nbsp; Fee Tables <br> Charges and Deductions  |
| &nbsp;&nbsp; **Are There Ongoing Fees and Expenses (annual charges)?**  | &nbsp;&nbsp; Yes. In addition to surrender charges and transaction charges, an investment in the Policy is subject to certain ongoing fees and expenses, including fees and expenses covering the cost of insurance under the Policy and the cost of optional benefits available under the Policy, and that such fees and expenses are set based on characteristics of the [insured](#insured) (*e.g.*, age, sex, and rating classification). You should view the schedule page of your Policy for rates applicable to your Policy. <br>These fees and expenses do not reflect any advisory fees paid to financial intermediaries from the Policy value or other assets of the Owner; if such charges were reflected, the fees and expenses would be higher. <br>You will also bear expenses associated with the portfolios under the Policy to which you have allocated [cash value](#cashvalue), as shown in the following table:.  | &nbsp;&nbsp; Yes. In addition to surrender charges and transaction charges, an investment in the Policy is subject to certain ongoing fees and expenses, including fees and expenses covering the cost of insurance under the Policy and the cost of optional benefits available under the Policy, and that such fees and expenses are set based on characteristics of the [insured](#insured) (*e.g.*, age, sex, and rating classification). You should view the schedule page of your Policy for rates applicable to your Policy. <br>These fees and expenses do not reflect any advisory fees paid to financial intermediaries from the Policy value or other assets of the Owner; if such charges were reflected, the fees and expenses would be higher. <br>You will also bear expenses associated with the portfolios under the Policy to which you have allocated [cash value](#cashvalue), as shown in the following table:.  | &nbsp;&nbsp; Yes. In addition to surrender charges and transaction charges, an investment in the Policy is subject to certain ongoing fees and expenses, including fees and expenses covering the cost of insurance under the Policy and the cost of optional benefits available under the Policy, and that such fees and expenses are set based on characteristics of the [insured](#insured) (*e.g.*, age, sex, and rating classification). You should view the schedule page of your Policy for rates applicable to your Policy. <br>These fees and expenses do not reflect any advisory fees paid to financial intermediaries from the Policy value or other assets of the Owner; if such charges were reflected, the fees and expenses would be higher. <br>You will also bear expenses associated with the portfolios under the Policy to which you have allocated [cash value](#cashvalue), as shown in the following table:.  | &nbsp;&nbsp; Fee Tables <br> Charges and Deductions <br>[Appendix: Portfolio Companies Available Under The Policy](#APPENDIX).  |
| &nbsp;&nbsp; **Are There Ongoing Fees and Expenses (annual charges)?**  | &nbsp;&nbsp; **Annual Fee**  | &nbsp;&nbsp; **Minimum**  | &nbsp;&nbsp; **Maximum**  | &nbsp;&nbsp; Fee Tables <br> Charges and Deductions <br>[Appendix: Portfolio Companies Available Under The Policy](#APPENDIX).  |
| &nbsp;&nbsp; **Are There Ongoing Fees and Expenses (annual charges)?**  | &nbsp;&nbsp; Portfolio Company<sup>1</sup> <br> (fund fees and expenses)  | &nbsp;&nbsp; 0.09%  | &nbsp;&nbsp; 1.20%  | &nbsp;&nbsp; Fee Tables <br> Charges and Deductions <br>[Appendix: Portfolio Companies Available Under The Policy](#APPENDIX).  |
| &nbsp;&nbsp; **Are There Ongoing Fees and Expenses (annual charges)?**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>1</sup>As a percentage of Portfolio Company assets  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>1</sup>As a percentage of Portfolio Company assets  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>1</sup>As a percentage of Portfolio Company assets  | &nbsp;&nbsp; Fee Tables <br> Charges and Deductions <br>[Appendix: Portfolio Companies Available Under The Policy](#APPENDIX).  |
| &nbsp;&nbsp; **RISKS**  | &nbsp;&nbsp; **RISKS**  | &nbsp;&nbsp; **RISKS**  | &nbsp;&nbsp; **RISKS**  | &nbsp;&nbsp; **Location in** <br> **Prospectus**  |
| &nbsp;&nbsp; **Is There a Risk of Loss From Poor Performance?**  | &nbsp;&nbsp; Yes. You can lose money by investing in this Policy, including loss of principal.  | &nbsp;&nbsp; Yes. You can lose money by investing in this Policy, including loss of principal.  | &nbsp;&nbsp; Yes. You can lose money by investing in this Policy, including loss of principal.  | &nbsp;&nbsp; Policy Benefits/Risks Summary - Policy Risks  |

---

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Is this a Short-Term Investment?**  | &nbsp;&nbsp; No. This Policy is not a short-term investment and is not appropriate for an investor who needs ready access to cash. <br> The Policy is designed to help meet long-term financial objectives by paying a death benefit to family members or other [beneficiaries](#beneficiary). The benefits of tax deferral also mean the Policy is more beneficial to investors with a long-term investment horizon. You may pay substantial charges if you take withdrawals or fully surrender the Policy during the surrender charge period.  | &nbsp;&nbsp; Policy Benefits/Risks Summary – Policy Benefits  |
| &nbsp;&nbsp; **What Are the Risks Associated with Investment Choices?**  | &nbsp;&nbsp; An investment in the Policy is subject to the risk of poor investment performance. The investment performance of your Policy can vary depending on the performance of the investment options that you choose. Each investment option (including the [fixed account](#fixedaccountoption) option) has its own unique risks. You should review the investment options carefully before making an investment decision. | &nbsp;&nbsp; Policy Benefits/Risks Summary - Policy Risks  |
| &nbsp;&nbsp; **What are the Risks Related to the Insurance Company?**  | &nbsp;&nbsp; An investment in the Policy is subject to the risks related to Transamerica Life Insurance Company. Any obligations (including under the fixed account option), guarantees, and benefits under the Policy are subject to our claims-paying ability. More information about Transamerica Life Insurance Company (formerly Life Investors Insurance Company of America), including our financial strength ratings, is available by visiting transamerica.com or calling toll-free 800-851-9777.  | &nbsp;&nbsp; Life Investors, the Separate Account, the Fixed Account and the Portfolios  |
| &nbsp;&nbsp; **Is there a Risk of Policy Lapse?**  | &nbsp;&nbsp; Insufficient premium payments, poor investment performance, withdrawals, and unpaid loans or loan interest may cause the Policy to [lapse](#lapse). There are costs associated with reinstating a lapsed Policy. Death benefits will not be paid if the Policy has lapsed.  | &nbsp;&nbsp; Policy Benefits/Risks Summary - Policy Risks <br>Policy Lapse and Reinstatement  |
| &nbsp;&nbsp; **RESTRICTIONS**  | &nbsp;&nbsp; **RESTRICTIONS**  | &nbsp;&nbsp; **Location in** <br> **Prospectus**  |
| &nbsp;&nbsp; **What are the Restrictions on the Investment Options?**  | &nbsp;&nbsp; There may be a $25 charge for each transfer in excess of 12 transfers per Policy year. We may, at any time, discontinue transfer privileges, modify our procedures, or limit the number of transfers we permit. We reserve the right to remove or substitute portfolios as investment options under the Policy. | &nbsp;&nbsp; Transfers <br>Life Investors, the Separate Account, the Fixed Account and the Portfolios – The Separate Account  |
| &nbsp;&nbsp; **What Are the Optional Benefits?**  | &nbsp;&nbsp; Supplemental insurance benefits are available only to insureds within certain age ranges, are subject to minimum and/or maximum specified amounts and are subject to [termination](#termination) conditions. Certain benefits cannot be elected after Policy purchase. Certain benefits cannot be elected in combination with other benefits. We may stop offering an optional benefit at any time. | &nbsp;&nbsp; Other Policy Information - Supplemental Benefits and Rides  |
| &nbsp;&nbsp; **TAXES**  | &nbsp;&nbsp; **TAXES**  | &nbsp;&nbsp; **Location in** <br> **Prospectus**  |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **What Are the Policy's Tax Implications?**  | &nbsp;&nbsp; You should consult with a tax professional to determine the tax implications of an investment in and payments received under the Policy. If you purchased the Policy through a tax-qualified plan or individual retirement account (IRA), you do not get any additional tax deferral. Earnings on your Policy 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; Federal Income Tax Considerations  |
| &nbsp;&nbsp; **CONFLICT OF INTEREST**  | &nbsp;&nbsp; **CONFLICT OF INTEREST**  | &nbsp;&nbsp; **Location in** <br> **Prospectus**  |
| &nbsp;&nbsp; **How Are Investment Professionals Compensated?**  | &nbsp;&nbsp; Your investment professional may receive compensation for selling this Policy to You, in the form of commissions, additional cash benefits (e.g., bonuses), and non-cash compensation. Our affiliate, Transamerica Capital, LLC ("TCL") (formerly Transamerica Capital, Inc.), the principal underwriter, may share the revenue we earn on this Policy with Your investment professional's firm. In addition, we may pay all or a portion of the cost of affiliates' operating and other expenses. <br>This conflict of interest may influence Your investment professional to recommend this Policy over another investment for which the investment professional is not compensated or compensated less.  | &nbsp;&nbsp; Additional Information - Sale of the Policies <br>|
| &nbsp;&nbsp; **Should I Exchange My Policy?**  | &nbsp;&nbsp; Some investment professionals may have a financial incentive to offer you a new Policy in place of the one you already own. You should only exchange your Policy if you determine, after comparing the features, fees, and risks of both Policies, that it is preferable for you to purchase the new Policy rather than continue to own your existing Policy.  | &nbsp;&nbsp; Additional Information - Sale of the Policies <br>The Policy - Tax-Free "Section 1035" Exchanges  |

---

#### Appendix: Portfolio Companies Available Under The Policy
The following is a list of portfolio companies available under the Policy, which are subject to change as discussed in this prospectus.

More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at: http://dfinview.com/Transamerica/TAHD/893000000?site=VAVUL.You can also request this information at no cost by calling our [administrative](#administrativeoffice)[o](#administrativeoffice)[ffice](#administrativeoffice) at 1-800-851-9777.

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  **Investment Objective**  | **Underlying Fund Portfolio and** <br> **Adviser/Sub-adviser**<sup>(1)</sup>  | **Current<br> Expenses**  | **Average Annual Total Returns <br>(as of 12/31/25)**  | **Average Annual Total Returns <br>(as of 12/31/25)**  | **Average Annual Total Returns <br>(as of 12/31/25)**  |
|  **Investment Objective**  | **Underlying Fund Portfolio and** <br> **Adviser/Sub-adviser**<sup>(1)</sup>  | **Current<br> Expenses**  | **1 year**  | **5 years**  | **10 years**  |
|  The fund seeks long-term capital appreciation  | Fidelity VIP Contrafund<sup>®</sup> Portfolio - Service Class <br> **Advised by** *Fidelity Management & Research Company* <br> ***Sub-Advisers****: FMR Co., Inc*  | 0.64%  | 21.42%  | 15.26%  | 0.64%  |
|  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<sup>(</sup><sup>3</sup><sup>)</sup> <br> **Advised by** *Fidelity Management & Research Company* <br> ***Sub-Advisers****: FMR Co., Inc*  | 0.25%  | 4.13%  | 3.1%  | 0.25%  |
|  Seeks high total return through a combination of current income and capital appreciation  | Fidelity<sup>®</sup> VIP Growth & Income Portfolio - Service Class 2 <br> **Advised by***: Fidelity Management & Research Company* <br> ***Sub-Advisers****: FMR Co., Inc*  | 0.57%  | 21.39%  | 15.99%  | 0.57%  |
|  Seeks to achieve capital appreciation.  | Fidelity<sup>®</sup> VIP Growth Portfolio- Service Class <br> **Advised by** *Fidelity Management & Research Company* <br> ***Sub-Advisers****: FMR Co., Inc*  | 0.65%  | 14.8%  | 13.59%  | 0.65%  |
|  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 VIP Index 500 Portfolio - Initial Class <br> **Advised by** *Fidelity Management & Research Company* <br> ***Sub-Advisers****: FMR Co., Inc.; Geode Capital Management, LLC*  | 0.09%  | 17.78%  | 14.31%  | 0.09%  |
|  Seeks long–term growth of capital.  | Fidelity<sup>®</sup> VIP Mid Cap Portfolio- Service Class 2 <br> **Advised by** *Fidelity Management & Research Company* <br> ***Sub-Advisers****: FMR Co., Inc*  | 0.8%  | 11.49%  | 9.83%  | 0.8%  |
|  Seeks capital appreciation.  | Fidelity<sup>®</sup> VIP Value Strategies Portfolio- Service Class 2 <br> **Advised by** *Fidelity Management & Research Company* <br> ***Sub-Advisers****: FMR Co., Inc*  | 0.84%  | 7.7%  | 11.87%  | 0.84%  |
|  Seeks capital growth.  | Invesco V.I. American Franchise Fund- Series I <br> *Advised by*: Invesco Advisers, Inc.  | 0.85%  | 11.67%  | 10.35%  | 0.85%  |
|  Long–term growth of capital.  | Invesco V.I. Core Equity Fund- Series I <br> **Advised by**: *Invesco Advisers, Inc.*  | 0.8%  | 16.17%  | 12.81%  | 0.8%  |
|  To provide total return, comprised of current income and capital appreciation.  | Invesco V.I. Core Plus Bond Fund - Series I<sup>(3)</sup> <br> **Advised by**: *Invesco Advisers, Inc.*  | 0.74%  | 7.09%  | -0.11%  | 0.74%  |

---

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  Capital appreciation and current income.  | Invesco V.I. Equity and Income Fund - Series I <br> **Advised by**: *Invesco Advisers, Inc.*  | 0.57%  | 12.81%  | 8.94%  | 0.57%  |
|  To provide long–term growth of capital.  | Invesco V.I. EQV International Equity Fund - Series I <br> **Advised by**: *Invesco Advisers, Inc.*  | 0.9%  | 16.5%  | 3.68%  | 0.9%  |
|  To seek total return.  | Invesco V.I. Global Strategic Income Fund - Series I<sup>(3)</sup> <br> **Advised by**: *Invesco Advisers, Inc.*  | 0.96%  | 12.98%  | 1.65%  | 0.96%  |
|  To provide total return, comprised of current income and capital appreciation.  | Invesco V.I. Government Securities Fund- Series I <br> **Advised by**: *Invesco Advisers, Inc.*  | 0.7%  | 7.37%  | 0.04%  | 0.7%  |
|  To provide to seek capital appreciation.  | Invesco V.I. Main Street Fund - Series I<sup>(3)</sup> <br> **Advised by**: *Invesco Advisers, Inc.*  | 0.86%  | 15.93%  | 12.47%  | 0.86%  |
|  To provide capital appreciation.  | Invesco V.I. Main Street Small Cap Fund<sup>®</sup> - Series I <br> **Advised by**: *Invesco Advisers, Inc.*  | 0.84%  | 8.7%  | 8.34%  | 0.84%  |
|  Seeks long–term capital growth, consistent with preservation of capital and balanced by current income.  | Janus Henderson Balanced Portfolio- Institutional Shares <br> **Advised by**: *Janus Henderson Investors US, LLC*  | 0.62%  | 15.11%  | 8.48%  | 0.62%  |
|  Seeks long–term growth of capital.  | Janus Henderson Enterprise Portfolio- Institutional Shares <br> **Advised by**: *Janus Henderson Investors US, LLC*  | 0.72%  | 7.67%  | 7.62%  | 0.72%  |
|  Seeks long–term growth of capital.  | Janus Henderson Forty Portfolio- Institutional Shares <br> **Advised by**: *Janus Henderson Investors US, LLC*  | 0.62%  | 18.14%  | 11.65%  | 0.62%  |
|  Seeks long–term growth of capital.  | Janus Henderson Global Research Portfolio- Institutional Shares <br> **Advised by**: *Janus Henderson Investors US, LLC*  | 0.82%  | 20.92%  | 12.51%  | 0.82%  |
|  Seeks long–term growth of capital.  | Janus Henderson Research Portfolio- Institutional Shares <br> **Advised by**: *MFS*<sup>®</sup> *Investment Management*  | 0.82%  | 18.39%  | 14.11%  | 0.82%  |
|  To seek capital appreciation.  | MFS<sup>®</sup> Massachusetts Investors Growth Stock Portfolio- Service Shares<sup>(3)</sup> <br> **Advised by**: *MFS*<sup>®</sup> *Investment Management*  | 1.04%  | 9.61%  | 9.74%  | 1.04%  |
|  To seek capital appreciation.  | MFS<sup>®</sup> Mid Cap Growth Series- Service Shares<sup>(3)</sup> <br> **Advised by**: *MFS*<sup>®</sup> *Investment Management*  | 1.07%  | 3.4%  | 3.03%  | 1.07%  |
|  To seek capital appreciation.  | MFS<sup>®</sup> New Discovery Series- Service Shares<sup>(3)</sup> <br> **Advised by**: *MFS*<sup>®</sup> *Investment Management*  | 1.2%  | 12.56%  | -0.54%  | 1.2%  |
|  To seek total return.  | MFS<sup>®</sup> Total Return Series- Service Shares<sup>(3)</sup> <br> **Advised by**: *MFS*<sup>®</sup> *Investment Management*  | 0.96%  | 10.91%  | 6.16%  | 0.96%  |
|  To seek total return.  | MFS<sup>®</sup> Utilities Series- Service Shares<sup>(3)</sup> <br> **Advised by**: *MFS*<sup>®</sup> *Investment Management*  | 1.04%  | 14.76%  | 7.38%  | 1.04%  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  To seek capital appreciation.  | MFS<sup>®</sup> Value Series- Service Shares<sup>(3)</sup> <br> **Advised by**: *MFS*<sup>®</sup> *Investment Management*  | 0.97%  | 12.77%  | 9.69%  | 0.97%  |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) You should work with your investment professional to decide which Subaccount(s) may be appropriate for you based on a thorough analysis of your particular insurance needs; financial objectives; investment goals; time horizons; and risk tolerance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) There can be no assurance any money market portfolio offered under this Policy will be able to maintain a stable net asset value per share during extended periods of low interest rates, and partly as a result of Policy charges, the yield on the money market Subaccounts may become extremely low and possibly negative.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) This portfolio is subject to an expense reimbursement or fee waiver arrangement. As a result, this portfolio's annual expenses reflect temporary expense reductions. See the portfolio prospectus for additional information.

Please retain this Notice for future reference. The last prospectus and statement of additional information for the Policy dated May 1, 2004, as supplemented, contains more information about the Policy. You may contact us for additional information free of charge at 1-800-851-9777 or write us at:

Transamerica Life Insurance Company

6400 C Street SW

Cedar Rapids, IA 52499

Reports and other information about the Separate Account are available on the SEC's website at sec.gov and copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov.

Product File Number on Edgar System 333-153785

EDGAR Contract Identifier C000016606