# EDGAR Filing Document

**Accession Number:** 0001034438
**File Stem:** 0001193125-26-186417
**Filing Date:** 2026-4
**Character Count:** 624280
**Document Hash:** ed48325dd259c89ac39c150bca909c2d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-186417.hdr.sgml**: 20260428

**ACCESSION NUMBER**: 0001193125-26-186417

**CONFORMED SUBMISSION TYPE**: 485BPOS

**PUBLIC DOCUMENT COUNT**: 6

**FILED AS OF DATE**: 20260428

**DATE AS OF CHANGE**: 20260428

**EFFECTIVENESS DATE**: 20260501

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Wilton Reassurance Life Co of New York Variable Life Separate Account A
- **CENTRAL INDEX KEY:** 0001034438

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

**FILING VALUES:**
- **FORM TYPE:** 485BPOS
- **SEC ACT:** 1940 Act
- **SEC FILE NUMBER:** 811-21250
- **FILM NUMBER:** 26906621

**BUSINESS ADDRESS:**
- **STREET 1:** 800 WESTCHESTER AVENUE
- **STREET 2:** SUITE 641 NORTH
- **CITY:** RYE BROOK
- **STATE:** NY
- **ZIP:** 10573
- **BUSINESS PHONE:** 2037624400

**MAIL ADDRESS:**
- **STREET 1:** 800 WESTCHESTER AVENUE
- **STREET 2:** SUITE 641 NORTH
- **CITY:** RYE BROOK
- **STATE:** NY
- **ZIP:** 10573

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Allstate Life of New York Variable Life Separate Account A
- **DATE OF NAME CHANGE:** 20220331

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** ALLSTATE LIFE OF N Y VAR LIFE SEP ACCT A
- **DATE OF NAME CHANGE:** 19970507
**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Wilton Reassurance Life Co of New York Variable Life Separate Account A
- **CENTRAL INDEX KEY:** 0001034438

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

**FILING VALUES:**
- **FORM TYPE:** 485BPOS
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-260640
- **FILM NUMBER:** 26906620

**BUSINESS ADDRESS:**
- **STREET 1:** 800 WESTCHESTER AVENUE
- **STREET 2:** SUITE 641 NORTH
- **CITY:** RYE BROOK
- **STATE:** NY
- **ZIP:** 10573
- **BUSINESS PHONE:** 2037624400

**MAIL ADDRESS:**
- **STREET 1:** 800 WESTCHESTER AVENUE
- **STREET 2:** SUITE 641 NORTH
- **CITY:** RYE BROOK
- **STATE:** NY
- **ZIP:** 10573

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Allstate Life of New York Variable Life Separate Account A
- **DATE OF NAME CHANGE:** 20220331

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** ALLSTATE LIFE OF N Y VAR LIFE SEP ACCT A
- **DATE OF NAME CHANGE:** 19970507

## Series and Classes Contracts Data

### Wilton Reassurance Life Co of New York Variable Life Separate Account A (Series ID: S000001053)

| Class ID   | Class Name                                       | Ticker Symbol   |
|:---|:---|:---|
| C000233836 | New Consultant Protector Variable Universal Life |  |

As filed with the Securities and Exchange Commission on April 28, 2026

File No. 333-260640

811-21250

**SECURITIES AND EXCHANGE COMMISSION** 

Washington, D.C. 20549

--------------------------------

FORM N-6

REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933

Pre-Effective Amendment No.

Post-Effective Amendment No. 20

REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940

Amendment No. 78

Wilton Reassurance Life Co of New York Variable Life Separate Account A

(Exact Name of Registrant)

WILTON REASSURANCE LIFE COMPANY OF NEW YORK

(Name of Depositor)

800 Westchester Avenue

Suite 641 North

Rye Brook, New York 10573

(203) 762-4400

(Address of Depositor's principal executive offices)

CT Corporation System

28 Liberty Street

Floor 42

New York, NY 10005

(212) 894-8940

(Name, Address and Telephone Number of Agent for Service)

Copy to:

Karen Carpenter, Esquire

4840 N. River Blvd., Suite 400

Cedar Rapids, Iowa 52411

Approximate Date of Proposed Public Offering: Continuous.

It is proposed that this filing become effective: (check appropriate space)

[ ] immediately upon filing pursuant to paragraph (b) of Rule 485

[X ] on May 1, 2026 pursuant to paragraph (b) of Rule 485

[ ] 60 days after filing pursuant to paragraph (a)(1) of Rule 485

[ ] on _________ pursuant to paragraph (a)(1) of Rule 485

If appropriate, check the following box:

[ ] This post-effective amendment designates a new effective date for a previously filed post-effective amendment.

The Registrant has registered an indefinite amount of securities under the Securities Act of 1933, pursuant to Section 24 of the Investment Company Act of 1940.

------

**New Consultant Protector Variable Universal Life** 

Flexible Premium Variable Universal Life Insurance Policies

Issued by: Wilton Reassurance Life Company of New York

In connection with: Wilton Reassurance Life Co of New York Variable Life Separate Account A

Mailing Address:

P.O. Box 4272, Clinton, IA 52733-4272

Telephone Number: 1-800-262-1028

Date: May 1, 2026

This Prospectus describes information you should know about the Consultant Protector Flexible Premium Variable Universal Life Insurance Policy (the "Policy" or "Policies"). Please read it carefully.

This Policy is designed to provide both life insurance protection and flexibility in connection with Premium payments and Death Benefits. Subject to certain restrictions, you may vary the frequency and amount of Premium payments and increase or decrease the level of life insurance benefits payable under the Policy. In addition, it may not be advantageous for you to replace existing insurance coverage or buy additional insurance coverage if you already own a variable life insurance policy.

**Effective December 31, 2008, this product is no longer being offered for sale.** 

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.

**NEITHER THE SECURITIES AND EXCHANGE COMMISSION ("SEC") NOR ANY STATE SECURITIES COMMISSION HAS APPROVED OR DISAPPROVED THESE SECURITIES OR DETERMINED THE ADEQUACY OF THIS PROSPECTUS. ANY REPRESENTATION TO THE CONTRARY IS A CRIMINAL OFFENSE.** 

**The Policies are not FDIC insured.** 

1 PROSPECTUS

------

**Table of Contents**<br>

---

| | |
|:---|:---|
|  | **Page** |
|  **[DEFINITIONS](#pro75976_1)** | 4 |
| **[IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE POLICY](#pro75976_2)** |  |
|  [Fees and Expenses](#pro75976_3) | 6 |
|  [Risks](#pro75976_4) | 7 |
|  [Restrictions](#pro75976_5) | 8 |
|  [Taxes](#pro75976_6) | 8 |
|  [Conflicts of Interest](#pro75976_7) | 8 |
|  **[OVERVIEW OF THE POLICY](#pro75976_8)** |  |
|  [For Whom is this Policy Appropriate?](#pro75976_9) | 9 |
| [What Premium Payments are Required Under the Policy?](#pro75976_10) | 9 |
|  [What are the Primary Features of the Policy?](#pro75976_11) | 9 |
|  **[FEE TABLE](#pro75976_12)** |  |
|  [Transaction Fees](#pro75976_13) | 11 |
| [Periodic Charges Other Than Annual Portfolio Company's Expenses](#pro75976_14) | 12 |
|  [The Portfolio Company's Annual Expenses](#pro75976_15) | 13 |
| **[PRINCIPAL RISKS OF INVESTING IN THE POLICY](#pro75976_16)** |  |
|  [Risk of Loss](#pro75976_17) | 14 |
|  [Not a Short-Term Investment](#pro75976_18) | 14 |
|  [Risks Associated with Investments](#pro75976_19) | 14 |
|  [Insurance Company Risks](#pro75976_20) | 14 |
|  [Policy Lapse](#pro75976_21) | 14 |
|  [Access to Cash Value](#pro75976_22) | 14 |
|  [Tax Consequences](#pro75976_23) | 14 |
| **[GENERAL DESCRIPTION OF DEPOSITOR, REGISTRANT, AND SUB-ACCOUNTS](#pro75976_24)** |  |
| [Wilton Reassurance Life Company of New York](#pro75976_25) | 15 |
| [General Account and Financial Condition of Wilton Reassurance Life Company of New York](#pro75976_26) | 15 |
|  [The Separate Account](#pro75976_27) | 15 |
|  [Sub-Accounts](#pro75976_28) | 16 |
|  [Voting Rights](#pro75976_29) | 16 |

---

---

| | |
|:---|:---|
|  **[CHARGES AND DEDUCTIONS](#pro75976_30)** |  |
|  [Premium Expense Charge](#pro75976_31) | 17 |
|  [Monthly Deduction](#pro75976_32) | 17 |
|  [Policy Fee](#pro75976_33) | 17 |
|  [Administrative Expense Charge](#pro75976_34) | 17 |
|  [Mortality and Expense Risk Charge](#pro75976_35) | 17 |
|  [Cost of Insurance Charge](#pro75976_36) | 18 |
|  [Loans](#pro75976_37) | 19 |
|  [Rider Charges](#pro75976_38) | 19 |
|  [Separate Account Income Taxes](#pro75976_39) | 19 |
|  [Portfolio Company Charges](#pro75976_40) | 19 |
|  [Surrender Charge](#pro75976_41) | 21 |
|  [Partial Withdrawal Service Fee](#pro75976_42) | 22 |
|  [Transfer Fee](#pro75976_43) | 23 |
|  [Commissions Paid to Broker-Dealers](#pro75976_44) | 23 |
| **[GENERAL DESCRIPTION OF THE POLICY](#pro75976_45)** |  |
|  [Policy Rights](#pro75976_46) | 23 |
|  [Assignment](#pro75976_47) | 24 |
|  [Dividends](#pro75976_48) | 24 |
|  [The Fixed Account](#pro75976_49) | 24 |
|  [Policy and/or Registrant Changes](#pro75976_50) | 24 |
|  [Changes to the Separate Account](#pro75976_51) | 24 |
|  **[TRANSFERS](#pro75976_52)** |  |
|  [General](#pro75976_53) | 25 |
|  [Transfers Authorized by Telephone](#pro75976_54) | 25 |
|  [Dollar Cost Averaging](#pro75976_55) | 26 |
|  [Portfolio Rebalancing](#pro75976_56) | 26 |
|  [Market Timing & Excessive Trading](#pro75976_57) | 27 |
|  [Trading Limitations](#pro75976_58) | 27 |
|  [Agreements to Share Information with Funds](#pro75976_59) | 28 |
|  [Short-Term Trading Fees](#pro75976_60) | 28 |
| **[PURCHASE OF POLICY AND PREMIUMS](#pro75976_61)** |  |
|  [Application for a Policy](#pro75976_62) | 29 |
|  [Premium Payments](#pro75976_63) | 29 |
| [Premium Limits](#pro75976_64) | 30 |
| [Safety Net Premium](#pro75976_65) | 30 |
| [Modified Endowment Contracts](#pro75976_66) | 30 |
| [Allocation of Premiums](#pro75976_67) | 31 |
| [Sub-Account Valuation](#pro75976_68) | 31 |

---

2 PROSPECTUS

------

---

| | |
|:---|:---|
| **[POLICY VALUE](#pro75976_69)** |  |
| [General](#pro75976_70) | 31 |
| [Written Requests and Forms in Good Order](#pro75976_71) | 32 |
| [Postponement of Payments](#pro75976_72) | 32 |
| **[DEATH BENEFIT](#pro75976_73)** |  |
| [Death Benefits](#pro75976_74) | 33 |
| [Death Benefit Options](#pro75976_75) | 33 |
| [Change to Death Benefit Option](#pro75976_76) | 34 |
| [Change to Face Amount](#pro75976_77) | 34 |
| [Limit on Right to Contest](#pro75976_78) | 35 |
| [Suicide](#pro75976_79) | 35 |
| [Misstatement as to Age and Sex](#pro75976_80) | 35 |
| **[OTHER BENEFITS AVAILABLE UNDER THE POLICY](#pro75976_81)** |  |
| [General](#pro75976_82) | 35 |
| [Riders](#pro75976_83) | 37 |
| [Other Benefits](#pro75976_84) | 39 |
| **[SETTLEMENT OPTIONS](#pro75976_85)** | 39 |
| **[MAKING WITHDRAWALS: ACCESSING THE MONEY IN YOUR POLICY](#pro75976_86)** |  |
| [Surrender](#pro75976_87) | 40 |
| [Partial Withdrawal](#pro75976_88) | 40 |
| [Effect on Face Amount](#pro75976_89) | 40 |
| [Tax Consequences](#pro75976_90) | 41 |
| **[POLICY LOANS](#pro75976_91)** |  |
| [General](#pro75976_92) | 41 |
| [Loan Interest](#pro75976_93) | 41 |
| [Loan Repayment](#pro75976_94) | 41 |
| [Pre-Existing Loan](#pro75976_95) | 42 |
| [Effect on Policy Value](#pro75976_96) | 42 |
| **[HOW YOUR POLICY CAN LAPSE](#pro75976_97)** |  |
| [Lapse](#pro75976_98) | 42 |
| [Effect of Lapse](#pro75976_99) | 43 |
| [Reinstatement](#pro75976_100) | 43 |
| **[STATEMENTS TO POLICY OWNERS](#pro75976_101)** | 43 |
| **[FEDERAL TAXES](#pro75976_102)** |  |
| [Introduction](#pro75976_103) | 43 |
| [Taxation of the Company and the Separate Account](#pro75976_104) | 44 |
| [Taxation of Policy Benefits](#pro75976_105) | 44 |

---

---

| | |
|:---|:---|
| [Employer Owned Life Insurance (a.k.a. "COLI")](#pro75976_106) | 45 |
| [Modified Endowment Contracts](#pro75976_107) | 45 |
| [Income Tax Withholding](#pro75976_108) | 46 |
| [Diversification Requirements](#pro75976_109) | 47 |
| [Ownership Treatment](#pro75976_110) | 47 |
| [Generation-Skipping Transfer Tax](#pro75976_111) | 47 |
| [Reportable Policy Sale and Transfers of Ownership to Foreign Owners](#pro75976_112) | 47 |
| [Medicare Tax on Investment Income](#pro75976_113) | 48 |
| **[LEGAL PROCEEDINGS](#pro75976_114)** | 48 |
| **[LEGAL MATTERS](#pro75976_115)** | 48 |
| **[FINANCIAL STATEMENTS](#pro75976_116)** | 48 |
| **[APPENDIX A: PORTFOLIO COMPANIES AVAILABLE UNDER THE POLICY](#pro75976_117)** |  |

---

3 PROSPECTUS

------

**Definitions** 

Please refer to this list for the meaning of the following terms:

**Accumulation Unit** — An accounting unit of measurement, which we use to calculate the value of a Sub-Account.

**Age** — The Insured's age at his or her last birthday.

**Attained Age** — The Insured's age on his or her last birthday as of the Policy Issue Date and subsequent Policy Anniversaries.

**Beneficiary(ies)** — The person(s) named by you to receive the Death Benefit under the Policy.

**Company** — Wilton Reassurance Life Company of New York, sometimes referred to as "Wilton New York."

**Death Benefit** — The amount payable to the Beneficiary under the Policy upon the death of the Insured, before payment of any unpaid Policy Debt or policy charges.

**Face Amount** — The initial Death Benefit under your Policy, adjusted for any changes in accordance with the terms of your Policy.

**Fixed Account** — The portion of Policy Value receiving fixed interest crediting and allocated to our general account.

**Grace Period** — A time period of 61 days that begins on any Monthly Activity Day where the Net Surrender Value is less than the Monthly Deduction for the current Policy Month, except as provided in the Safety Net Premium provision.

**Insured** — The person whose life is covered by your Policy.

**Investment Options** - Includes each of the Sub-Accounts and the Fixed Account available to invest in.

**Issue Date** — The date the Policy is issued. It is used to determine Policy Years and Policy Months in your Policy.

**Loan Account** — An account established for amounts transferred from the Sub-Accounts and the Fixed Account as security for outstanding Policy loans.

**Monthly Activity Day** — The day of the month on which deductions are made. If a month does not have that day, the deduction will be made on the last day of that month.

**Monthly Automatic Payment** — A method of paying a premium each month automatically, for example by bank draft or salary deduction.

**Monthly Deduction** — The amount deducted from Policy Value on each Monthly Activity Day for the policy fee, mortality and expense risk charge, administrative expense charge, cost of insurance charge, and the cost of any benefit riders.

**Net Investment Factor** — An index applied to measure the net investment performance of a Sub-Account from one Valuation Date to the next. It is used to determine the Policy Value of a Sub-Account in any Valuation Period.

**Net Policy Value** — The Policy Value, less any Policy Debt.

**Net Premium** — The Premium paid less the premium expense charge.

**Net Surrender Value** — The amount you would receive upon surrender of your Policy, equal to the Surrender Value less any Policy Debt.

**Policy Anniversary** — The same day and month as your Issue Date for each subsequent year your Policy remains inforce.

4 PROSPECTUS

------

**Policy Debt** — The sum of all unpaid Policy loans and accrued interest.

**Policy Month** — A one month period beginning on the same day of the month as the Issue Date of the Policy.

**Policy Owner** ("you" "your") — The person(s) having the rights of ownership defined in the Policy. The Policy Owner may or may not be the same person as the Insured. If your Policy is issued pursuant to a retirement plan, your ownership rights may be modified by the plan.

**Policy Value** — The sum of the values in the Sub-Accounts of the Separate Account plus the value of the Fixed Account, plus the Loan Account. The amount from which Monthly Deductions are made and the Death Benefit is determined.

**Policy Year** — A twelve-month period beginning on the Issue Date or a Policy Anniversary.

**Portfolio Company(ies)**— The underlying fund(s) (or investment series thereof) in which the Sub-Accounts invest. Each Portfolio Company is an investment company registered with the SEC or a separate investment series of a registered investment company.

**Premium** — Amounts paid to us as Premium for the Policy by you or on your behalf.

**Safety Net Premium** — The period of time the Policy is guaranteed to stay inforce based on the payment of the Safety Net Premium.

**Separate Account** — Wilton Reassurance Life Co of New York Variable Life Separate Account A, which is a segregated investment account of Wilton Reassurance Life Company of New York.

**Sub-Account** — A subdivision of the Separate Account invested wholly in shares of one of the Portfolio Companies.

**Surrender Value** — The Policy Value less any applicable surrender charges.

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

**Valuation Date** — Each day the New York Stock Exchange is open for business. We do not determine accumulation unit value on days on which the New York Stock Exchange is closed for trading.

**Valuation Period** — The period of time during which we determine the change in the value of the Sub-Accounts in order to price Accumulation Units. Each Valuation Period begins at the close of normal trading on the New York Stock Exchange, currently 4:00 p.m. Eastern time, on each Valuation Date and ends at the close of the NYSE on the next Valuation Date.

**we, us, our** — Our company, Wilton Reassurance Life Company of New York, sometimes referred to as "Wilton New York."

**you, your** — The person(s) having the rights of ownership defined in your Policy.

5 PROSPECTUS

------

**Important Information You Should Consider About the Policy** 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Fees and Expenses** | &nbsp;&nbsp;&nbsp;**Fees and Expenses** | &nbsp;&nbsp;&nbsp;**Fees and Expenses** | &nbsp;&nbsp;&nbsp;**Fees and Expenses** | **Location in Prospectus** |
| &nbsp;&nbsp;&nbsp;Charges for Early Withdrawals | There are no surrender charges on partial withdrawals. A Partial Withdrawal Service Fee of $10.00 applies.<br>If the investor surrenders the Policy within the first 14 Policy Years, he or she will be assessed a surrender charge. The maximum surrender charge factor is 5.66% ($56.58 per $1,000 of Face Amount). For example, if you surrender your Policy, you could pay a surrender charge of up to $5,658 on a Policy with a $100,000 Face Amount. | There are no surrender charges on partial withdrawals. A Partial Withdrawal Service Fee of $10.00 applies.<br>If the investor surrenders the Policy within the first 14 Policy Years, he or she will be assessed a surrender charge. The maximum surrender charge factor is 5.66% ($56.58 per $1,000 of Face Amount). For example, if you surrender your Policy, you could pay a surrender charge of up to $5,658 on a Policy with a $100,000 Face Amount. | There are no surrender charges on partial withdrawals. A Partial Withdrawal Service Fee of $10.00 applies.<br>If the investor surrenders the Policy within the first 14 Policy Years, he or she will be assessed a surrender charge. The maximum surrender charge factor is 5.66% ($56.58 per $1,000 of Face Amount). For example, if you surrender your Policy, you could pay a surrender charge of up to $5,658 on a Policy with a $100,000 Face Amount. | <u>[Charges and Deductions - Surrender Charge](#pro75976_41)</u> and [<u>Partial Withdrawal Service Fee</u>](#pro75976_42) |
| &nbsp;&nbsp;&nbsp;Transaction Charges | In addition to surrender charges (if applicable), the investor may also be charged for other transactions. A Premium Expense Charge is charged when premium is paid, and a Transfer Fee may be charged for the second and each subsequent transfer in each calendar month. (We are currently waiving the Transfer Fee.) Fees may also be charged to exercise optional benefits. | In addition to surrender charges (if applicable), the investor may also be charged for other transactions. A Premium Expense Charge is charged when premium is paid, and a Transfer Fee may be charged for the second and each subsequent transfer in each calendar month. (We are currently waiving the Transfer Fee.) Fees may also be charged to exercise optional benefits. | In addition to surrender charges (if applicable), the investor may also be charged for other transactions. A Premium Expense Charge is charged when premium is paid, and a Transfer Fee may be charged for the second and each subsequent transfer in each calendar month. (We are currently waiving the Transfer Fee.) Fees may also be charged to exercise optional benefits. | <u>[Charges and Deductions – Premium Expense](#pro75976_31)</u> and [<u>Fee Table - Transaction Fees</u>](#pro75976_12) |
| &nbsp;&nbsp;&nbsp;Ongoing Fees and Expenses (as annual charges) | In addition to surrender charges and transaction charges, the Policy is subject to certain ongoing fees and expenses, including fees and expenses covering the cost of insurance under the Policy and Rider Charges for optional benefits available under the Policy, and such fees and expenses are set based on characteristics of the Insured (e.g., age, sex, and rating classification).<br>Loan interest will be charged if you have taken out a loan on your Policy.<br>A policy fee is charged monthly.<br>An administrative expense charge is charged monthly.<br>The mortality and expense risk charge is charged monthly for Policy Value allocated to the Sub-Accounts. The mortality and expense risk charge is not assessed against your Policy Value in the Fixed Account.<br>Investors should view the policy specifications page of the Policy for rates applicable to their Policy.<br>Investors will also bear expenses associated with the Portfolio Companies under the Policy, as shown in the following table: | In addition to surrender charges and transaction charges, the Policy is subject to certain ongoing fees and expenses, including fees and expenses covering the cost of insurance under the Policy and Rider Charges for optional benefits available under the Policy, and such fees and expenses are set based on characteristics of the Insured (e.g., age, sex, and rating classification).<br>Loan interest will be charged if you have taken out a loan on your Policy.<br>A policy fee is charged monthly.<br>An administrative expense charge is charged monthly.<br>The mortality and expense risk charge is charged monthly for Policy Value allocated to the Sub-Accounts. The mortality and expense risk charge is not assessed against your Policy Value in the Fixed Account.<br>Investors should view the policy specifications page of the Policy for rates applicable to their Policy.<br>Investors will also bear expenses associated with the Portfolio Companies under the Policy, as shown in the following table: | In addition to surrender charges and transaction charges, the Policy is subject to certain ongoing fees and expenses, including fees and expenses covering the cost of insurance under the Policy and Rider Charges for optional benefits available under the Policy, and such fees and expenses are set based on characteristics of the Insured (e.g., age, sex, and rating classification).<br>Loan interest will be charged if you have taken out a loan on your Policy.<br>A policy fee is charged monthly.<br>An administrative expense charge is charged monthly.<br>The mortality and expense risk charge is charged monthly for Policy Value allocated to the Sub-Accounts. The mortality and expense risk charge is not assessed against your Policy Value in the Fixed Account.<br>Investors should view the policy specifications page of the Policy for rates applicable to their Policy.<br>Investors will also bear expenses associated with the Portfolio Companies under the Policy, as shown in the following table: | <u>[Charges and Deductions – Monthly Deduction](#pro75976_30)</u> and <u>[Fee Table - Periodic Charges Other Than Annual Portfolio Company's Expenses](#pro75976_14)</u> |
| &nbsp;&nbsp;&nbsp;Ongoing Fees and Expenses (as annual charges) | Annual Fee | Minimum | Maximum | <u>[Charges and Deductions – Monthly Deduction](#pro75976_30)</u> and <u>[Fee Table - Periodic Charges Other Than Annual Portfolio Company's Expenses](#pro75976_14)</u> |
| &nbsp;&nbsp;&nbsp;Ongoing Fees and Expenses (as annual charges) | Investment Options (Portfolio Company fees and expenses) | 0.09% | 1.39% | <u>[Charges and Deductions – Monthly Deduction](#pro75976_30)</u> and <u>[Fee Table - Periodic Charges Other Than Annual Portfolio Company's Expenses](#pro75976_14)</u> |

---

6 PROSPECTUS

------

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Risks** | &nbsp;&nbsp;&nbsp;**Risks** | **Location in Prospectus** |
| &nbsp;&nbsp;&nbsp;Risk of Loss | You can lose money by investing in the Policy. | [<u>Principal Risks of Investing in the Policy</u>](#pro75976_16) |
| &nbsp;&nbsp;&nbsp;Not a Short-Term Investment | This Policy is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Charges assessed on Premiums and the Surrender Charge imposed on surrenders during the first 14 Policy Years will reduce your surrender proceeds. In addition, a surrender may have adverse tax consequences. | <u>[Principal Risks of Investing in the Policy](#pro75976_16)</u> |
| &nbsp;&nbsp;&nbsp;Risks Associated with Investment Options | Your Policy Value will vary depending on the investment options you select. Sub-Accounts will vary depending on the performance of the Portfolio Companies in which they invest and are subject to the risk of negative investment performance. Each investment option, including the Fixed Account investment option, will have its own unique risks. You should review these investment options before making an investment decision. | <u>Principal Risks of Investing in the Policy</u> and [<u>General Description of the Policy – The Fixed Account</u>](#pro75976_45)<u> </u> |
| &nbsp;&nbsp;&nbsp;Insurance Company Risks | An investment in the Policy is subject to the risks related to Wilton Reassurance Life Company of New York. Any obligations (including under any fixed account investment options), guarantees, or benefits are subject to the claims-paying ability of Wilton Reassurance Life Company of New York. If Wilton Reassurance Life Company of New York experiences financial distress, it may not be able to meet its obligations to you. More information about Wilton Reassurance Life Company of New York, including its financial strength ratings, is available upon request by calling 1—800-262-1028. | [<u>General Account and Financial Condition of Wilton Reassurance Life Company of New York</u>](#pro75976_26) |
| &nbsp;&nbsp;&nbsp;Contract Lapse | Your Policy could lapse (terminate) if the value of your Policy becomes too low to support the Policy's monthly charges and the Safety Net Premium feature is not in effect. Death benefits will not be paid if the Policy has lapsed. If you have any outstanding Policy loans when your Policy lapses, you may have taxable income as a result.<br>If the Policy lapses, you may apply for reinstatement by paying to us the reinstatement Premium and any applicable charges required under the Policy. If a Policy loan was outstanding at the time of your Policy's lapse, you must either repay or reinstate the loan before we reinstate your Policy. All Policy charges continue to be based on your original Issue Date. | [<u>How Your Policy Can Lapse</u>](#pro75976_97) |

---

7 PROSPECTUS

------

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Restrictions** | &nbsp;&nbsp;&nbsp;**Restrictions** | **Location in Prospectus** |
| &nbsp;&nbsp;&nbsp;Investments | We reserve the right to add, combine, remove or substitute investment options.<br>We also reserve the right to limit the size of transfers and remaining balances, and to limit the number and frequency of transfers among your investment options and the Fixed Account. We reserve the right to limit transfers in any Policy Year, or to refuse any transfer request for a Policy Owner or certain Policy Owners. | <u>[Changes to the Separate Account - Additions, Deletions and Substitutions of the Securities](#pro75976_51)</u><br><u>[Market Timing and Excessive Trading](#pro75976_57)</u> and [<u>Trading Limitations</u>](#pro75976_58)<br>[<u>Transfers - General</u>](#pro75976_52) |
| &nbsp;&nbsp;&nbsp;Optional Benefits | We may discontinue or modify any of the optional benefits at any time prior to the time you elect to receive it. | [<u>Other Benefits Available Under the Policy</u>](#pro75976_81) |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Taxes** | &nbsp;&nbsp;&nbsp;**Taxes** | **Location in Prospectus** |
| &nbsp;&nbsp;&nbsp; Tax Implications | You should consult with a tax professional to determine the tax implications of an investment in and payments received under the Policy and note that there is no additional tax benefit to the investor if the Policy is purchased through a tax-qualified plan or individual retirement account (IRA). The death benefit of a life insurance policy that was transferred for value may be subject to ordinary income taxes, and subject to tax penalties. | [<u>Federal Taxes</u>](#pro75976_102) |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Conflicts of Interest** | &nbsp;&nbsp;&nbsp;**Conflicts of Interest** | **Location in Prospectus** |
| &nbsp;&nbsp;&nbsp;Investment Professional Compensation | Some investment professionals may receive compensation for selling the Policy to investors.<br>We will pay commissions to broker-dealers that sell the Policies. In addition, certain bonuses and managerial compensation may be paid.<br>From time to time, we pay asset-based compensation to broker-dealers. We may also pay or allow other promotional incentives or payments in the form of cash or non-cash compensation. These investment professionals may have a financial incentive to offer or recommend the Policy over another investment. | [<u>Charges and Deductions – Commissions Paid to Broker-Dealers</u>](#pro75976_44) |
| &nbsp;&nbsp;&nbsp;Exchanges | Some investment professionals may have a financial incentive to offer an investor 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. | [<u>Charges and Deductions – Commissions Paid to Broker-Dealers</u> and <u>Surrender Charges</u>](#pro75976_44) |

---

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**Overview of the Policy** 

**For Whom is this Policy Appropriate?** 

This Policy is designed to provide both life insurance protection, flexibility in Premium payments and a choice of Death Benefits. It may be appropriate for an investor who has a higher risk tolerance, an understanding of investments, a long-term investment horizon, financial goals needing a Death Benefit with an added investment component and funds that are not required to meet current needs.

**What Premium Payments are Required Under the Policy?** 

Because the Policy is a "flexible premium" policy you have a great amount of flexibility in determining the timing and amount of your Premiums. You are required to pay a first year Premium, which is based on your Policy's Face Amount and the Insured's age, sex and risk class. After the first Policy Year, you do not have to pay the required Premium as long as you pay the cumulative Premium due under the Safety Net Premium Feature.

Under the Safety Net Premium Feature, we agree to keep the Policy, including any optional benefits, inforce for a specified period regardless of the investment performance of the Sub-Accounts as long as your total premiums paid (reduced for withdrawals and Policy Debt) at least equals the sum of monthly Safety Net Premiums on or before the Safety Net Premium guarantee expiry date shown in your Policy. When the Safety Net Premium Feature is not in effect, your Policy remains inforce as long as the Net Surrender Value is large enough to pay the charges on your Policy as they come due. Payment of insufficient premiums may result in a lapse of the Policy.

Before we accept any Premium that would require an increase in the net amount at risk under the Policy, you first must provide us with evidence of insurability. The Tax Code imposes limits on the amount of Premium that can be contributed under a life insurance policy. Accordingly, we will not accept any Premium that would cause your Policy to exceed this limit, unless you increase the Face Amount of your Policy appropriately.

The Policy currently offers multiple Investment Options, which include Sub-Accounts and a Fixed Account option. Each Sub-Account invests in a single Portfolio Company. You may invest in up to 21 Investment Options. You may transfer money among your investment choices, subject to restrictions. **Additional information about each Portfolio Company is provided in the Appendix A at the back of this Prospectus.**

**What are the Primary Features of the Policy?** 

**Death Benefit.** While your Policy is inforce, we will pay a Death Benefit to the Beneficiary upon the death of the Insured. The Policy provides for two Death Benefit options you may choose between while the Insured is alive. Decreases in the Policy Value never cause the Death Benefit to be less than the Face Amount. Before we pay the Death Benefit to the Beneficiary, however, we subtract an amount sufficient to repay any outstanding Policy Debt and to pay any due and unpaid charges.

**Withdrawal Options.** You may withdraw part of your Policy Value through a partial withdrawal, which must equal at least $500. In addition, the maximum partial withdrawal amount may not reduce the Face Amount below $25,000.

**Loan Provisions.** You may borrow money from us using your Policy as security for the loan. The maximum loan amount is equal to 90% of the Surrender Value. Taking a loan from your Policy may increase the risk that your Policy will lapse, may prevent you from satisfying the Safety Net cumulative premium requirements, will have a permanent effect on your Policy Value and will reduce the Death Proceeds. In addition, if your Policy is a modified endowment contract for tax purposes, taking a Policy loan may have tax consequences.

**Optional Benefits.** You may ask to add one or more riders to your Policy to provide additional optional insurance benefits. We require evidence of insurability before we issue a rider to you. The riders we currently offer are described below in "<u>[Other Benefits Available Under the Policy](#pro75976_81)</u>." In our discretion, we may offer additional riders or stop offering a rider. All riders can be concurrently elected. Riders requiring an additional cost will reduce your Policy Value due to the cost of the rider.

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**<u>Riders</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Children's Level Term Rider** - This rider provides for level term insurance on the Insured's
children, as defined in the rider. We provide coverage until the earlier of the child's 22nd birthday or the Insured's age 65.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Accidental Death Benefit Rider -** Under this rider, we provide additional insurance if the Insured dies
from accidental bodily injury as defined in the rider.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Continuation of Payment Rider** - Under this rider, we contribute a monthly amount to the Policy Value if
the Insured becomes totally disabled as defined in the rider.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Additional Insured Term Rider** – This rider provides life insurance coverage on an Additional
Insured.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Primary Insured Term Rider** – This rider provides additional term life insurance coverage on the
Primary Insured.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Accelerated Death Benefit Rider, Terminal Illness** - This rider provides for an advance of a portion of
the Death Benefit if the Insured is diagnosed with a terminal illness and satisfactory proof of the terminal illness is provided to us.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Overloan Protection Rider** - If the benefit is elected under this rider, the Policy will not lapse due
to Policy loans exceeding the Surrender Value.

**<u>Other Benefits</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Dollar Cost Averaging -** You may automatically transfer a set amount every month (or other intervals we
may offer) from any Sub-Account or the Fixed Account to any Sub-Account or Fixed Account.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Portfolio Rebalancing -** We will automatically rebalance the Policy Value in each Sub-Account and return it to the desired percentage allocations each quarter.

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**Fee Table** 

**The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from the Policy. Please refer to your Policy specifications page for information about the specific fees you will pay each year based on the options you have elected.** 

**The first table describes the fees and expenses that you will pay at the time that you buy the Policy, surrender or make withdrawals from the Policy, or transfer cash value between Investment Options.** 

**Transaction Fees** 

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Charge** | **When Charge is Deducted** | **Amount Deducted** |
| &nbsp;&nbsp;&nbsp;Maximum Premium Expense Charge | When you pay a premium | 5.25% of the Premium amount |
| &nbsp;&nbsp;&nbsp;Surrender Charge | When you surrender your Policy during the first 14 Policy Years | Maximum: $56.58 per $1,000 of Face Amount<br>Minimum: $4.70 per $1,000 of Face Amount |
| &nbsp;&nbsp;&nbsp;&nbsp; *Year One Charge for a Representative Investor<sup>(1)</sup>*<br> *Surrender Charge for 37-year old Male*<br> *Non-Smoker* | *When you surrender your Policy* | *$16.34 per $1,000 of Face Amount* |
| &nbsp;&nbsp;&nbsp;Partial Withdrawal Service Fee | When you make a withdrawal | $10.00 |
| &nbsp;&nbsp;&nbsp;Transfer Fee<sup>(2)</sup> | Second and each subsequent transfer in each calendar month | Maximum $10.00 |
| &nbsp;&nbsp;&nbsp;Accelerated Death Benefit Rider, Terminal Illness | When Benefit Elected | N/A |
| &nbsp;&nbsp;&nbsp;Overloan Protection Rider<sup>(3)</sup> | When Benefit Elected | 4.5% of Policy Value |

---

(1) The charge varies based on individual characteristics. The charge shown in the table may not be
representative of the charge that a particular investor will pay. You may obtain more information about the particular charges that would apply to you by contacting the number on the cover page.

(2) We are currently waiving this fee.

(3) Only for Policies applied for on or after August 27, 2007.

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**The next table describes the fees and expenses that you will pay periodically during the time that you own the Policy, not including the Portfolio Company's fees and expenses.** 

**Periodic Charges Other Than Annual Portfolio Company's Expenses** 

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Charge** | **When Charge is<br>Deducted** | **Amount Deducted -** *Guaranteed* |
| &nbsp;&nbsp;&nbsp; **Base Policy Charge:** | | |
| &nbsp;&nbsp;&nbsp;&nbsp; Cost of Insurance<sup>(1)</sup><br> Maximum and Minimum Charge<br>*Charge for a Representative Investor<sup>(1)</sup>*<br> *Cost of Insurance Charge for 37-year old Male<br>Non-Smoker, $120,000 Face Amount, at issue* | Monthly | Maximum: $83.33 per $1,000 Net Amount at Risk<br> Minimum: $0.06 per $1,000 Net Amount at Risk<br>*Maximum: $83.33 per $1,000 Net Amount at Risk*<br> *Minimum: $0.16 per $1,000 Net Amount at Risk* |
| &nbsp;&nbsp;&nbsp;Policy Fee | Monthly | $10 |
| &nbsp;&nbsp;&nbsp;Mortality and Expense Risk Fees | Monthly | Years 1-14: 0.05% monthly (0.55% annually) on total monthly Sub-Account Policy Value<br>Years 15+: 0.01% monthly (0.15% annually) on total monthly Sub-Account Policy Value |
| &nbsp;&nbsp;&nbsp;Administrative Expense Charge | Monthly | Years 1-20: $0.03 ($0.35/annually) per $1,000 Initial Face Amount<br>Years 21+: $0.02 ($0.20) per $1,000 Initial Face Amount |
| &nbsp;&nbsp;&nbsp;Loan Interest Rate | Annually | Interest Rate on Preferred Loans 4% annually;<br>Interest Rate on Standard Loans 5% annually |
| &nbsp;&nbsp;&nbsp;**Optional Benefit Charges** | &nbsp;&nbsp;&nbsp;**Optional Benefit Charges** | &nbsp;&nbsp;&nbsp;**Optional Benefit Charges** |
| &nbsp;&nbsp;&nbsp;Children's Level Term Rider | Monthly | $0.53 per $1,000 unit of coverage |
| &nbsp;&nbsp;&nbsp;&nbsp; Accidental Death Benefit Rider<br>*Charge for a Representative Investor<sup>(1)</sup>*<br> *Cost of Insurance Charge for 37-year old Male<br>Non-Smoker* | Monthly | Maximum COI: $0.13 per $1,000 of benefit amount<br> Minimum COI: $0.08 per $1,000 of benefit amount<br>*Maximum COI: $0.13 per $1,000 of benefit amount* <br> *Minimum COI: $0.08 per $1,000 of benefit* amount |

---

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp; Continuation of Payment Rider<br>*Charge for a Representative Investor<sup>(1)</sup>*<br> *Cost of Insurance Charge for 37-year old Male Non-Smoker* | Monthly | Maximum COI: $1.54 per $100 of benefit amount<br> Minimum COI: $0.23 per $100 of benefit amount<br>*Maximum COI: $0.38 per $100 of benefit amount*<br> *Minimum COI: $0.38 per $100 of benefit amount* |
| &nbsp;&nbsp;&nbsp;&nbsp; Additional Insured Term Rider<br>*Charge for a Representative Investor<sup>(1)</sup>*<br> *Cost of Insurance Charge for 37-year old Male Non-Smoker, $120,000 Face Amount, at issue* | Monthly | Maximum COI: $83.33 per $1,000 benefit amount<br> Minimum COI: $0.06 per $1,000 benefit amount<br>*Maximum COI: $83.33 per $1,000 benefit amount*<br> *Minimum COI: $0.13 per $1,000 benefit amount* |
| &nbsp;&nbsp;&nbsp;&nbsp; Primary Insured Term Rider<br>*Charge for a Representative Investor<sup>(1)</sup>*<br> *Cost of Insurance Charge for 37-year old Male<br>Non-Smoker at issue* | Monthly | Maximum COI: $83.33 per $1,000 benefit amount<br> Minimum COI: $0.03 per $1,000 benefit amount<br>*Maximum COI: $83.33 per $1,000 benefit amount*<br> *Minimum COI: $0.04 per $1,000 benefit amount* |

---

(1) The cost of insurance or other charge varies based on individual characteristics. The cost of insurance
charge or other charge shown in the table may not be representative of the charge that a particular investor will pay. You may obtain more information about the particular cost of insurance or other charges that would apply to you by contacting the
number on the cover page.

**The next table shows the minimum and maximum total operating expenses charged by the Portfolio Companies that you may pay periodically during the time that you own the Policy. A complete list of the Portfolio Companies available under the Policy, including their annual expenses, is located in the Appendix A at the back of this Prospectus.** 

**The Portfolio Company's Annual Expenses** 

---

| | | |
|:---|:---|:---|
|  | **Minimum** | **Maximum** |
| &nbsp;&nbsp;&nbsp;&nbsp; <br> Total Annual Operating Expenses(1) (expenses that are deducted from the Portfolio Company's assets, which may include management fees, distribution and/or service (12b-1) fees, and other expenses)<br>| <br> 0.09% | <br> 1.39% |

---

&nbsp;&nbsp;&nbsp;&nbsp;(1) Expenses are shown as a percentage of the Portfolio Company's average daily net assets (before any
waiver or reimbursement) as of December 31, 2025.

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**Principal Risks of Investing in the Policy** 

**Risk of Loss.** You can lose money by investing in the Policy. Amounts you allocate to Sub-Accounts may grow in value, decline in value, or grow less than you expect, depending on the investment performance of the Portfolio Companies in which those Sub-Accounts invest. You bear the investment risk that the Portfolio Companies might not meet their investment objectives. Shares of the Portfolio Companies are not deposits, or obligations of, or guaranteed or endorsed by any bank and are not insured by the Federal Deposit Insurance Corporation, the Federal Reserve Board or any other agency.

**Not a Short-Term Investment.** This Policy is designed to provide benefits on a long-term basis. It is not suitable as a short-terms savings vehicle. You should not purchase the Policy if you may need to access the Policy Value within a short time. If you are purchasing a Policy for a specialized purpose, you should consider whether the long-term nature of the Policy is consistent with the purpose for which you are purchasing the Policy.

**Risks Associated with Investments.** Your Policy Value will vary depending on the investments options you select. Sub-Accounts will vary depending on the performance of the Portfolio Companies in which they invest and are subject to the risk of negative investment performance. Each investment option, including the Fixed Account investment option, will have its unique risks. You should review these investment options before making an investment decision.

**Insurance Company Risks.** An investment in the Policy is subject to the risks related to Wilton Reassurance Life Company of New York. Any obligations (including under any Fixed Account investment options), guarantees, or benefits are subject to the claims-paying ability Wilton Reassurance Life Company of New York. If Wilton Reassurance Life Company of New York experiences financial distress, it may not be able to meet its obligations to you.

**Policy Lapse.** Your Policy could lapse (terminate) if the value of your Policy becomes too low to support the Policy's monthly charges and the Safety Net Premium feature is not in effect. Death benefits will not be paid if the Policy has lapsed. If you have any outstanding Policy loans when your Policy lapses, you may have taxable income as a result.

If the Policy lapses, you may apply for reinstatement by paying to us the reinstate Premium and any applicable charges required under the Policy. If a Policy loan was outstanding at the time of your Policy's lapse, you must either repay or reinstate the loan before we reinstate your Policy. All Policy charges continue to be based on your original Issue Date.

**Access to Cash Value.** You may surrender your Policy at any time for its Net Surrender Value. Upon surrender, life insurance coverage under your Policy ends. We will subtract a surrender charge from your surrender proceeds during the first ten Policy Years and an additional surrender charge applies the first ten years following an increase to the Face Amount. You also may withdraw a portion of your Policy Value through a partial withdrawal. We deduct a partial withdrawal service fee of $10 from the remaining Policy Value for a partial withdrawal. Surrenders and withdrawals may have adverse tax consequences.

**Tax Consequences.** Your Policy is structured to meet the definition of a life insurance policy under the Tax Code. We may need to limit the amount of Premiums you pay under the Policy to ensure that your Policy continues to meet that definition.

Current federal tax law generally excludes all Death Benefits from the gross income of the beneficiary of a life insurance policy. In addition, you generally are not subject to taxation on any increase in the Policy Value until it is withdrawn. Generally, you are taxed on surrender proceeds and the proceeds of any partial withdrawals only if those amounts, when added to all previous distributions, exceed the total Premiums paid. Amounts received upon surrender or withdrawal in excess of Premiums paid are treated as ordinary income.

Special rules govern the tax treatment of life insurance policies that meet the federal definition of a modified endowment contract. Depending on the amount and timing of your Premiums, your Policy may meet that

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definition. Under current tax law, Death Benefit payments under modified endowment contracts, like Death Benefit payments under other life insurance policies, generally are excluded from the gross income of the beneficiary. Withdrawals and Policy loans, however, are treated differently. Amounts withdrawn and Policy loans are treated first as income, to the extent of any gain, and then as a return of Premium. The income portion of the distribution is includible in your taxable income. In addition, an additional 10% federal penalty tax is generally imposed on the taxable portion of amounts received before age 59<sup>1</sup>⁄<sub>2</sub>. We will not accept any Premium that would cause the Policy not to qualify as a life insurance policy under the Tax Code. For more information on the consequences of a Policy becoming a modified endowment contracts, see [<u>Federal Taxes -Modified Endowment Contracts</u>](#pro75976_107). For more information on the tax treatment of the Policy, in general, see "[<u>Federal Taxes</u>](#pro75976_102)".

The death benefit of life insurance policies that were transferred for value may be subject to ordinary income taxes. Estate taxes may apply. Consult your tax adviser for additional information.

**General Description of Depositor, Registrant, and Sub-Accounts** 

**Wilton Reassurance Life Company of New York.** Wilton Reassurance Life Company of New York ("Company") serves as depositor of the Separate Account. The home office is located at 800 Westchester Avenue, Suite 641 North, Rye Brook, New York 10573 and we have offices located at 801 Main Avenue, 5th Floor, Norwalk, CT 06851. Our administrative office mailing address is P.O. Box 4272, Clinton, IA 52733-4272.

**General Account and Financial Condition of Wilton Reassurance Life Company of New York.** Any guarantees under the Policy that exceed your Policy Value are paid out of the Company's general account and are subject to our financial strength and claims paying ability. Obligations funded by the general account are the death benefit, living benefits, the accelerated death benefit riders, and the Overloan Protection Rider.

We are obligated to pay all money we owe under the Policies — such as death benefits and income payments — if that amount exceeds the assets in the Separate Account. Any such amount is paid from our general account. Such amounts are subject to our financial strength and claims paying ability and our long-term ability to make such payments. We are regulated as an insurance company under state law, which generally includes limits on the amount and type of investments in our general account and requires us to hold a specific amount of reserves to meet contractual obligations payable out of our general account. We monitor our reserves so that we hold sufficient amounts to cover actual or expected Policy and claims payments. State regulators also require Wilton Reassurance Life Company of New York to maintain a minimum amount of capital, to act as a cushion in the event the Company suffers a financial impairment. But there is no guarantee that we will always be able to meet our claims paying obligations, and there are risks associated with purchasing any insurance product.

We encourage Policy Owners to read and understand our financial statements. Our financial statements are included in the Statement of Additional Information. You may obtain a copy of the Statement of Additional Information without charge by writing to us at P.O. Box 4272, Clinton, IA 52733-4272 or calling us at 1-800-262-1028.

**The Separate Account.**Wilton Reassurance Life Co of New York Variable Life Separate Account A is the registrant of the Policies. It was originally established in 1995, as a segregated asset account of Allstate Life Insurance Company of New York. Allstate Life Insurance Company of New York was acquired by Wilton Reassurance Company on October 1, 2021 and subsequently on November 1, 2021 merged into Wilton Reassurance Life Company of New York on the same date. In June 2022 the name of the Separate Account was changed to its current name. The Separate Account meets the definition of a "separate account" under the federal securities laws and is registered with the Securities and Exchange Commission ("SEC") as a unit investment trust under the Investment Company Act of 1940. The SEC does not supervise the management of the Separate Account or the Company. Wilton Reassurance Life Co of New York Variable Life Separate Account A is a segregated separate account of the Company. Wilton Reassurance Life Company of New York owns the assets of the Separate Account, but we hold them separate from our other assets. To the extent that these assets are attributable to the Policy Value of the Policies offered by this Prospectus, these assets may not be used to pay any liabilities of Wilton Reassurance Life Company of New York other than those arising from the Policies. Income, gains and losses, whether or not realized, from assets allocated to the Separate Account are credited to or charged

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against the Separate Account without regard to the income, gains, losses or any investment experience of Wilton Reassurance Life Company of New York's other assets. Wilton Reassurance Life Company of New York is obligated to pay all amounts promised to Policy Owners under the Policies.

The Separate Account is divided into Sub-Accounts. The assets of each Sub-Account are invested in the shares of one of the Portfolio Companies. We do not guarantee the investment performance of the Separate Account, its Sub- Accounts, or the Portfolio Companies. Values allocated to the Separate Account rise and fall with the values of shares of the Portfolio Companies and are also reduced by Policy charges. We use the Separate Account to fund the Policies and our other variable universal life insurance policies. We account separately for each type of variable life insurance policy funded by the Separate Account. The street address for the Wilton Reassurance Life Co of New York Variable Life Separate Account A is 801 Main Avenue, 5th Floor, Norwalk, CT 06851. Our administrative office for mailing is P.O. Box 4272, Clinton, IA 52733-4272.

**Sub-Accounts.** You may allocate your purchase payments to various Sub-Accounts. Each Sub-Account invests in the shares of a corresponding Portfolio Company. Each Portfolio Company has its own investment objective(s) and policies. Information regarding each Portfolio Company, including its name; its type or a brief statement of its investment objectives; its investment adviser and any sub-investment adviser; current expenses; and performance is included in the Appendix A at the back of this Prospectus. Certain Portfolio Companies may not be available depending on the date you purchased your Policy. In addition, certain Portfolio Companies are closed to Policy Owners not invested in the specified Portfolio Companies by a designated date.

We do not provide investment advice, nor do we recommend any particular Sub-Account. You bear the risk of any decline in the value of Sub-Accounts resulting from the performance of the Sub-Accounts. Please consult with a qualified investment professional if you wish to obtain investment advice. You should carefully consider the investment objectives, risks, charges and expenses of the underlying Portfolio Companies when making an allocation to the Sub-Accounts.

We do not promise that the Portfolios will meet their investment objectives. Amounts you have allocated to Sub-Accounts may grow in value, decline in value or grow less than you expect, depending on the investment performance of the Portfolios in which those Sub-Accounts invest. You bear the investment risk that those Portfolios possibly will not meet their investment objectives.

**Voting Rights.** As a general matter, you do not have a direct right to vote the shares of the Portfolio Companies held by the Sub-Accounts to which you have allocated your Policy Value. Under current law, however, you are entitled to give us instructions on how to vote those shares on certain matters. We notify you when your instructions are needed and provide proxy materials or other information to assist you in understanding the matter at issue. We determine the number of Portfolio Company shares as to which a Policy Owner may give instructions as of the record date for a Portfolio Company's shareholder meeting.

The number of votes you are entitled to for a Portfolio Company's shares held in a Sub-Account in which you are invested is determined by dividing your Sub-Account value attributable to the Portfolio Company by the net asset value of a single Portfolio Company share. Fractional shares will be counted.

In most cases, you are the person entitled to give voting instructions. However, if you assign your Policy, the assignee may be entitled to give voting instructions. Retirement plans may have different rules for voting by plan participants.

If you send written voting instructions to us, we follow your instructions in voting the Portfolio Company shares attributable to your Policy. If you do not send written instructions, we vote the shares attributable to your Policy in the same proportions as the shares for which we have received instructions from other Policy Owners. While proportional voting guarantees all outstanding shares of a Portfolio Company are voted, it can lead to a small number of shareholders determining the outcome of a proxy.

We may, when required by state insurance regulatory authorities, disregard Policy Owner voting instructions if the instructions would cause a change in the sub-classification or investment objective of one or more of the Portfolio Companies or to approve or disapprove an investment advisory contract for one or more of the Portfolio Companies.

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In addition, we may disregard voting instructions in favor of changes initiated by Policy Owners in the investment objectives or the investment adviser of the Portfolio Companies if we reasonably disapprove of the proposed change. We would disapprove a proposed change only if the proposed change is contrary to state law or prohibited by state regulatory authorities or we reasonably conclude that the proposed change would not be consistent with the investment objectives of the Portfolio Company or would result in the purchase of securities for the Portfolio Company which vary from the general quality and nature of investments and investment techniques utilized by the Portfolio Company. If we disregard voting instructions, we include a summary of that action and our reasons for that action in the next semi-annual report to you.

This description reflects our view of currently applicable law. If the law changes or our interpretation of the law changes, we may decide that we are permitted to vote the Portfolio Company shares without obtaining instructions from our Policy Owners, and we may choose to do so.

**Charges and Deductions** 

**Premium Expense Charge.** Before we allocate a Premium to the Policy Value, we subtract the premium expense charge. The premium expense charge equals 5.25% of all Premiums in all years. This charge is intended to help us pay for: (a) actual sales expenses, which include agents' sales commissions and other sales and distribution expenses; (b) state premium taxes and other state and local premium taxes; and (c) certain Federal taxes and other expenses related to the receipt of Premiums.

New York does not currently have a premium tax.

**Monthly Deduction.** On the Issue Date and on each Monthly Activity Day, we deduct from your Policy Value a Monthly Deduction to cover certain charges and expenses in connection with the Policy. The Monthly Deduction is the sum of the following five items:

1) the policy fee;

2) the administrative expense charge;

3) the mortality and expense risk charge;

4) the cost of insurance charge for your Policy; and

5) the cost of certain additional benefits provided by riders, if any.

We allocate the mortality and expense risk charge pro rata among the Sub-Accounts in proportion to the amount of your Policy Value in each Sub-Account. We allocate the remainder of the Monthly Deduction pro rata among the Sub-Accounts and the Fixed Account, unless you specify otherwise.

**Policy Fee.** The monthly policy fee will never be more than $10.00 per month. This charge compensates us in part for administrative expenses such as salaries, postage, telephone, office equipment and periodic reports. The policy fee is waived after the Insured's age 100.

**Administrative Expense Charge.** The monthly Administrative Expense Charge rates for (a) the first 20 Policy Years and (b) Policy Year 21 and thereafter are set at Policy issue. The maximum monthly Administrative Expense Charge is set at an annual rate of $0.3504 per $1,000 of Face Amount in Policy Years 1 through 20 and $0.1992 per $1,000 of Face Amount thereafter. This charge covers administration expenses and issuance costs. A monthly Administrative Expense Charge is determined separately for each increase in Face Amount based on the Insured's attained age at the time of the increase. The applicable charge applies for ten years from the date of the increase. The Administrative Expense Charge is waived after the Insured's age 100.

**Mortality and Expense Risk Charge.** For the first fourteen Policy Years, the monthly mortality and expense risk charge is calculated at an annual rate of 0.55% of the net Policy Value allocated to the Sub-Accounts. Thereafter, the annual rate is 0.15%. The mortality and expense risk charge is not assessed against your Policy Value in the Fixed Account. This charge compensates us for the mortality and expense risks that we assume in

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relation to the Policies. The mortality risk assumed includes the risk that the cost of insurance charges specified in the Policy will be insufficient to meet claims. We also assume a risk that, on the Monthly Deduction Day preceding the death of an Insured, the Death Benefit will exceed the amount on which the cost of insurance charges were based. The expense risk assumed is that expenses incurred in issuing and administering the Policies will exceed the administrative charges set in the Policy. The Mortality and Expense Risk Charge is waived after the Insured's Age 100.

**Cost of Insurance Charge.** The cost of insurance is determined monthly. The cost of insurance charge is determined by multiplying the applicable current cost of insurance rate per $1,000 by the net amount risk for each Policy Month. The net amount at risk is (a) – (b), where: (a) is the Death Benefit as of the current Monthly Deduction Day divided by 1.0032737; and (b) is the Policy Value as of the current Monthly Deduction Day. The cost of insurance rate is individualized depending on the Insured's age at issue of the Policy, Policy Year, sex and payment class, thus, the rate differs from year to year. The rates are determined by us, but they will never be more than the guaranteed rates shown in your Policy. Please see the following example.

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp; **Example (37-Year Old Non-Smoking Male):** | &nbsp;&nbsp;&nbsp; **Example (37-Year Old Non-Smoking Male):** |
| &nbsp;&nbsp;&nbsp; Face Amount | $100000 |
| &nbsp;&nbsp;&nbsp; Death Benefit Option | 1 |
| &nbsp;&nbsp;&nbsp; Policy Value on the Current Monthly Activity Day | $30000 |
| &nbsp;&nbsp;&nbsp; Insured's Attained Age | 37 |
| &nbsp;&nbsp;&nbsp; Corridor Percentage | 250% |
| &nbsp;&nbsp;&nbsp; Death Benefit | $100000 |

---

On the Monthly Activity Day in this example, the Death Benefit as then computed would be $100,000, because the Face Amount ($100,000) is greater than the Policy Value multiplied by the applicable corridor percentage ($30,000 × 250% = $75,000). See [<u>Death Benefits - Death Benefits- Death Benefit Options</u>](#pro75976_73). Since the Policy Value on that date is $30,000, the cost of insurance charges per $1,000 are applied to the difference in the net amount at risk of $69,674 (($100,000/1.0032737) – $30,000).

Assume that the Policy Value in the above example was $50,000. The Death Benefit would then be $125,000 (250% × $50,000), since this is greater than the Face Amount ($100,000). The cost of insurance rates in this case would be applied to the net amount at risk of $74,592 (($125,000/1.0032737) – $50,000).

The Policy Value may vary monthly, based on the investment performance of the Sub-Accounts you have selected, the addition of interest credited to your Fixed Account (if any), the deduction of charges, and any other Policy transaction. Under Policies with an Option 1 Death Benefit, increases in the Policy Value generally decrease the net amount at risk; conversely, decreases in the Policy Value increase the net amount at risk. Since the cost of insurance charge is based on the net amount at risk, your cost of insurance charge probably will be correspondingly different each month. Under Policies with an Option 2 Death Benefit, however, the net amount at risk does not vary with changes in the Policy Value, unless your Policy's death benefit is determined under a corridor percentage. In that circumstance, increases in the Policy Value increase the net amount at risk. See "[<u>Policy Value</u>](#pro75976_69)". Accordingly, a change in the Policy Value does not affect your monthly cost of insurance charge, unless it increases your net amount at risk.

We determine the cost of insurance charge separately for the initial Face Amount and each subsequent increase. The cost of insurance charge for increases reflects circumstances, such as the Insured's age and health status, at the time of the increase. The cost of insurance charge covers our anticipated mortality costs for standard and substandard risks. We determine the current cost of insurance rates, but we guarantee that we will never charge you a cost of insurance rate higher than the guaranteed cost of insurance rates shown in the Policy.

We base the cost of insurance rate on the sex, issue age, Policy Year and premium rating class of the Insured, and on the Face Amount. We charge a lower current cost of insurance rate for Policies with a Face Amount of

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$200,000 or above and further lower the current rate for Policies with a Face Amount of $1,000,000 or above.. If an increase in Face Amount of your Policy would raise the total Face Amount above one of these break points, only the amount of the increase above the breakpoint is eligible for a lower current cost of insurance rate. Although we base the current cost of insurance rate on our expectations as to future mortality experience, that rate will never exceed a maximum cost of insurance rate based on the 1980 Commissioners Standard Ordinary ("1980 CSO") Smoker and Non-Smoker Mortality Table, based on the Insured's sex, smoker status, and age.

Beginning on the Policy Anniversary following the Insured's 100st birthday, we waive all cost of insurance charges, administrative expense charges, mortality and expense risk charge, and monthly policy fee.

**Loans.** The amounts allocated to the Loan Account are credited interest at the Loan Credited Rate of 4%. The annual interest rate charged for preferred loans is 4.0%,. All non-preferred loans will be treated as a standard loan. Standard loans are charged an annual interest rate of 5.0%. See [<u>Policy Loans</u>](#pro75976_91) for information regarding how Policy loans are deducted from the relevant accounts. For additional information please refer to Policy Loans section.

**Rider Charges.** If your Policy includes one or more optional benefits, a rider charge applicable to each optional benefit you purchased is made from your Policy Value each month. The charge is to compensate us for the anticipated cost of providing these benefits and is specified on the applicable rider. The charge for the Children's Level Term Rider is $0.53 per $1,000 unit of coverage. The Accidental Death Benefit Rider cost of insurance charge varies based on the insured's age when added to the Policy; the maximum cost of insurance for this rider is $0.13 per $1,000 of benefit amount and the minimum cost of insurance is $0.08 per $1,000 of benefit amount. The Continuation of Payment Rider cost of insurance charge varies based on the insured's sex and age when added to the Policy; the maximum cost of insurance for this rider is $1.54 per $100 of benefit amount and the minimum cost of insurance is $0.23 per $100 of benefit amount. The Additional Insured Term Rider cost of insurance charge varies based on the insured's age, sex, rider Face Amount, and underwriting status when added to the Policy; the maximum cost of insurance for this rider is $83.33 per $1,000 of benefit amount and the minimum cost of insurance is $0.06 per $1,000 of benefit amount. The Primary Insured Term Rider cost of insurance charge varies based on the insured's age at issue, sex, and underwriting status; the maximum cost of insurance for this rider is $83.33 per $1,000 of benefit amount and the minimum cost of insurance is $0.03 per $1,000 of benefit amount. Rider charges for a representative insured are in the "<u>[Periodic Charges Other Than Portfolio Company's Operating Expenses](#pro75976_14)</u>" table of this Prospectus. The Accelerated Death Benefit Rider, Terminal Illness Rider may be added to your policy at any time for no additional cost. The Overloan Protection Rider has a transaction fee of 4.5% of the Policy Value if the benefit is elected. For a description of the optional riders, see "[<u>Other Benefits Available Under the Policy</u>](#pro75976_81)".

**Separate Account Income Taxes.** We are not currently deducting or maintaining a provision for taxes. In the future, however, we may establish a provision for taxes if we determine, in our sole discretion, that we will incur a tax from the operation of the Separate Account. We will deduct for any taxes we incur as a result of the operation of the Separate Account, whether or not we previously made a provision for taxes and whether or not it was sufficient.

**Portfolio Company Charges.** You indirectly bear the charges and expenses of the Portfolio Companies whose shares are held by the Sub-Accounts to which you allocate your Policy Value. These charges and expenses are deducted from the assets of the Portfolios. For more detailed information, please refer to the prospectuses for the appropriate Portfolio Companies.

We (and our affiliates) may directly or indirectly receive payments from the portfolios, their advisers, sub-advisers, distributors or affiliates thereof, in connection with certain administrative, marketing and other services we (and our affiliates) provide and expenses we incur. We (and/or our affiliates) generally receive two types of payments:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•  ***Rule 12b-1 fees.*** We (and/or our affiliates) or principal
underwriter for the Policies indirectly receive 12b-1 fees from certain funds available as investment choices under our variable insurance products. Any 12b-1 fees received by the principal underwriter that are attributable to our variable

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insurance products are then credited to us. These fees range from 0.00% to 0.25% of the average daily assets of the certain underlying fund portfolios attributable to the Policies and to certain other variable insurance products that we and our affiliates issue. These fees are paid from the underlying fund portfolios' assets. Policy owners, through their indirect investment in the underlying fund portfolios, bear the costs of 12b-1 fees (see the prospectuses for the underlying fund portfolios for more information). <br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•  ***Administrative, Marketing and Support Service fees ("Service Fees").*** The investment
adviser, sub-adviser, administrators, and/or distributors (or affiliates thereof) of the portfolios may make payments to us and/or our affiliates, including the principal underwriter. These payments may be
derived, in whole or in part, from the profits the investment adviser or sub-adviser receives from the advisory fee deducted from underlying portfolio assets. Policy owners, through their indirect investment
in the portfolios, bear the costs of these advisory fees (see the prospectuses for the portfolios for more information).

The amount of the payments we receive is based on a percentage of the assets of the particular portfolios attributable to the Policy and to certain other variable insurance products that our affiliates and we issue. These percentages differ and the amounts may be significant. Some advisers or sub-advisers (or other affiliates) pay us more than others.

These arrangements are described further below. While only certain of the types of payments described below may be made in connection with your particular Policy, all such payments may nonetheless influence or impact actions we (and/or our affiliates) take, and recommendations we (and our affiliates) make, regarding each of the variable insurance products that we (and our affiliates) offer, including your Policy.

The chart below provides the maximum combined percentages of 12b-1 fees and Service Fees that we anticipate will be paid to us on an annual basis.

---

| | | | |
|:---|:---|:---|:---|
|  | Maximum Fee <br> % of assets\* |  | Maximum Fee <br> % of assets\* |
| &nbsp;&nbsp;&nbsp; AIM Variable Insurance Funds (Invesco Variable Insurance Funds) – I Series | 0.15% | Janus Aspen Series – Institutional Shares | 0.20% |
| &nbsp;&nbsp;&nbsp; AIM Variable Insurance Funds (Invesco Variable Insurance Funds) – II Series | 0.40% | Janus Aspen Series – Service Shares | 0.30% |
| &nbsp;&nbsp;&nbsp; The Alger American Fund – Class I-2 | 0.25% | Lazard Retirement Series, Inc. – Service Shares | 0.25% |
| &nbsp;&nbsp;&nbsp; AllianceBernstein Variable Products Series Fund, Inc. – Class A | 0.20% | Legg Mason Partners Variable Equity and Income Trusts | 0.25% |
| &nbsp;&nbsp;&nbsp; Deutsche DWS Variable Series - Class A<br>(Global Income Builder) | 0.15% | Financial Investors Variable Insurance Trust (Morningstar) – Class I | 0.125% -<br>0.20%\*\*\* |
| &nbsp;&nbsp;&nbsp; Deutsche DWS Variable Series - Class A<br>(Small Cap) | 0.13% | Morgan Stanley Variable Insurance Fund Inc. – Class I | 0.15% |
| &nbsp;&nbsp;&nbsp; Deutsche DWS Variable Series - Class A<br>(Equity 500) | 0.09% | MFS Variable Insurance Trust – Initial Class | 0.15% |
| &nbsp;&nbsp;&nbsp; Fidelity Variable Insurance Products Fund – Initial Class | 0.05%\*\* | PIMCO Variable Insurance Trust – Administrative Shares | 0.25% |
| &nbsp;&nbsp;&nbsp; Fidelity Variable Insurance Products Fund – Service Class | 0.10% | T. Rowe Price Equity Series, Inc. – Class I | 0.15% |

---

\* Payments are based on a percentage of the average assets of each underlying portfolio owned by the subaccounts available under this Policy and under certain other variable insurance products offered by our affiliates and us.

\*\* Not received on the Money Market or Index 500 portfolio.

\*\*\* <$250m = 12.5 bps/<$1b = 15 bps/<2.5b = 17.5 bps/>$2.5b = 20 bps

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Proceeds from certain of these payments by the portfolios, the advisers, the sub-advisers and/or their affiliates may be profit to us and may be used for any corporate purpose, including payment of expenses (1) that we and our affiliates incur in promoting, issuing, marketing, distributing and administering the Policies and (2) that we incur, in our role as intermediary, in promoting, marketing, distributing and administering the fund portfolios.

**Surrender Charge.** If you surrender your Policy, we may subtract a surrender charge from the surrender proceeds. The surrender charge equals the amount shown in the surrender charge table in your Policy, plus any additional surrender charge due to increases in the Face Amount of your Policy. The amount of the surrender charge decreases over time.

<u>Initial Surrender Charge.</u> When we issue your Policy, we determine the initial surrender charge. To determine the initial surrender charge, we multiply the Initial Face Amount of your Policy by a rate per thousand dollars of Face Amount. The applicable rate depends on the Insured's age at issue, sex and status as a smoker or non-smoker. For example, if the Insured is age 37 when your Policy is issued, the applicable rates per thousand are as follows:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp; Male Non-Smoker | $16.34 |
| &nbsp;&nbsp;&nbsp; Male Smoker | $22.20 |
| &nbsp;&nbsp;&nbsp; Female Non-Smoker | $14.88 |
| &nbsp;&nbsp;&nbsp; Female Smoker | $16.92 |

---

Accordingly, if the Insured were a male non-smoker age 37 and the Policy's Face Amount were $100,000, the surrender charge initially would be $1,634.00.

The rates for each category are greater or lesser according to the age of the Insured when your Policy is issued. The maximum rates are as follows:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp; Male Non-Smoker | $56.27 |
| &nbsp;&nbsp;&nbsp; Male Smoker | $56.58 |
| &nbsp;&nbsp;&nbsp; Female Non-Smoker | $56.29 |
| &nbsp;&nbsp;&nbsp; Female Smoker | $56.36 |

---

If you surrender your Policy after fourteen Policy Years have elapsed, we do not charge a surrender charge (unless you have increased the Face Amount of your Policy, as explained below). Before that time, we determine the applicable surrender charge by multiplying the initial surrender charge on your Policy by the appropriate surrender charge percentage for the Policy Year in which the surrender occurs. The applicable surrender charge percentage depends on the Insured's sex, age when your Policy was issued, status as a smoker or non-smoker,

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and the number of years elapsed since your Policy was issued. For example, the following surrender charge percentage rates would apply if the Insured were 37 years old when your Policy was issued:

---

| | | | | |
|:---|:---|:---|:---|:---|
| **POLICY YEAR** | **Male,<br>Nonsmoker<br>Age 37** | **Male,<br>Smoker<br>Age 37** | **Female,<br>Nonsmoker<br>Age 37** | **Female,<br>Smoker<br>Age 37** |
| 1 | 100% | 100% | 100% | 100% |
| 2 | 100% | 100% | 100% | 100% |
| 3 | 100% | 100% | 100% | 100% |
| 4 | 100% | 100% | 100% | 100% |
| 5 | 100% | 99% | 100% | 100% |
| 6 | 91% | 91% | 91% | 91% |
| 7 | 82% | 82% | 82% | 82% |
| 8 | 73% | 73% | 73% | 73% |
| 9 | 64% | 64% | 64% | 64% |
| 10 | 55% | 55% | 55% | 55% |
| 11 | 46% | 45% | 46% | 46% |
| 12 | 37% | 34% | 37% | 37% |
| 13 | 28% | 24% | 28% | 28% |
| 14 | 18% | 12% | 18% | 18% |
| 15 | 0% | 0% | 0% | 0% |

---

Thus, in the example given above, if the Policy were surrendered during the 10th Policy Year, the surrender charge would equal [$898.70 ($1,634.00 × 55%)]. A different surrender charge percentage rate might apply if the Insured is older than 37 when the Policy is issued.

<u>Surrender Charge on Increases in Initial Face Amount.</u> If you increase the Initial Face Amount of your Policy, we determine an additional surrender charge amount applicable to the amount of the increase. We determine the initial amount of the additional surrender charge using the same formula and rates used in determining the initial surrender charge, except that we use the Insured's age and smoking status at the time of the increase, rather than at the time your Policy was issued.

The surrender charge on the increase also decreases over a ten Policy Year period, starting from the effective date of the increase. The schedule of surrender charge percentages applicable to the additional surrender charge is based on the Insured's age at the time of the increase. If you surrender your Policy or make a partial withdrawal, we separately calculate the surrender charge applicable to the Initial Face Amount and each increase and add those amounts to determine the total surrender charge.

If you decrease the Face Amount, the applicable surrender charge remains the same.

We include in your Policy a table showing the surrender charge rates and the surrender charge percentages applicable under the Policies. For additional information concerning the rates applicable to you, please consult your agent or contact our Service Center at the number on the cover page of this prospectus. In addition, a table of the applicable rates is on file with the SEC as an exhibit to the registration statement for the Policies.

The premium expense charge (in part) and the surrender charge are imposed to cover our actual sales expenses, which include agents' sales commissions and other sales and distribution expenses. We expect to recover total sales expenses of the Policies over the life of the Policies. However, the premium expense charge and surrender charge paid with respect to a particular Policy may be higher or lower than the distribution expenses we incurred in connection with that Policy. To the extent distribution costs are not recovered by these charges, we may make up any shortfall from the assets of our general account, which includes funds derived from the mortality and expense charge on the Separate Account assets and the other charges imposed under the Policies.

**Partial Withdrawal Service Fee.** We do not assess a surrender charge for a partial withdrawal. We do, however, subtract a partial withdrawal service fee of $10, for a partial withdrawal from the remaining Policy Value to cover our expenses relating to the partial withdrawal.

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**Transfer Fee.** We currently are not charging a transfer fee. The Policy, however, permits us to charge a transfer fee of $10 on the second and each subsequent transaction in each calendar month in which transfer(s) are effected between Sub-Account(s) and/or the Fixed Account. We will notify you if we begin to charge this fee.

We will deduct the transfer fee from the Policy Value that remains in the Sub-Account(s) or Fixed Account from which we process your transfer. If that amount is insufficient to pay the transfer fee, we will deduct the fee from the transferred amount.

**Commissions Paid to Broker-Dealers. T**he Policies were offered on a continuous basis until December 31, 2008. The Policies were sold by registered representatives of broker-dealers who were our licensed insurance agents, either individually or through an incorporated insurance agency. Registered representatives may be eligible for a trail commission of 0.66% of Policy Value on Policies that have been in force for at least one year. In addition, certain bonuses and managerial compensation may be paid. We pay all such commissions and incentives.

Commissions payable to sales representatives for the sale of the Policy are calculated based on the total Premium payments. If you purchase a Primary Insured Rider, the commissions will vary depending on the allocation of your coverage between the base Policy and the Primary Insured Rider. The same initial Death Benefit will result in the highest commission when there is no Primary Insured Rider, with the commission declining as the portion of the Death Benefit coverage allocated to the Primary Insured Rider increases. Thus, the lowest commission amount is payable when the maximum Primary Insured Rider is purchased.

To the extent permitted by FINRA rules and other applicable laws and regulations, we may pay or allow other promotional incentives or payments in the form of cash or non-cash compensation. We may not offer the arrangements to all broker-dealers and the terms of the arrangement may differ among broker-dealers and banks.

**General Description of the Policy** 

**Policy Rights.** The Policy provides a number of Policy roles. They are the Policy Owner, the Insured, and the Beneficiaries.

**Policy Owner.** The Policy Owner controls the Policy during the lifetime of the Insured. The Insured is the Policy Owner if no other person is named in the application as the Policy Owner. Unless you provide otherwise, as Policy Owner, you may exercise all rights granted by the Policy without the consent of anyone else. If the last-named Policy Owner dies before the Insured, then any contingent owner is the new Policy Owner. If no Policy Owner named is living, then the Policy Owner will be the estate of the last-named Policy Owner.

You may name a new Policy Owner. You must make this request in writing in a form satisfactory to us and file it with us. No such request is binding upon us until we accept it. When we accept it, it is effective as of the date you signed the request, subject to any action we have taken before we accept it.

**Insured.** The Insured is the person whose life is covered by this Policy.

**Beneficiaries.** You name the Beneficiary(ies) (Primary Beneficiary, Contingent Beneficiary) in the application for the Policy. You may change the Beneficiary at any time, except irrevocable Beneficiaries may not be changed without their written consent.

You must request a change of Beneficiary in writing. We provide a form to be completed, signed and filed with us. Your request for a change in Beneficiary takes effect upon our filing of a signed and completed form, effective as of the date you signed the form. Until we receive your change instructions, we are entitled to rely on your most recent instructions in our files. Accordingly, we are not liable for making a payment to the person shown in our files as the Beneficiary or treating that person in any other respect as the Beneficiary, even if instructions that we subsequently receive from you seek to change your Beneficiaries effective as of a date before we made the payment or took the action in question.

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If you name more than one Beneficiary, we divide the Death Benefit among your Beneficiaries according to your most recent written instructions. If you have not given us written instructions regarding the amount each Beneficiary is to receive, we pay the Death Benefit in equal shares to the Beneficiaries. If one of the Beneficiaries dies before you, we divide the Death Benefit among the surviving Beneficiaries.

**Assignment.** You may assign your Policy as collateral security. You must notify us in writing if you assign the Policy. Until we receive notice from you, we are not liable for any action we may take or payments we may make that may be contrary to the terms of your assignment. We are not responsible for the validity of an assignment. Your rights and the rights of the Beneficiary may be affected by an assignment.

**Dividends.** We do not pay any dividend under the Policies.

**The Fixed Account.** The portion of the Policy relating to the Fixed Account is not registered under the Securities Act of 1933 ("1933 Act") and the Fixed Account is not registered as an investment company under the 1940 Act. Accordingly, neither the Fixed Account nor any interests in the Fixed Account are subject to the provisions or restrictions of these acts. The statements about the Fixed Account in this Prospectus may be subject to generally applicable provisions of the federal securities laws regarding accuracy and completeness.

You may allocate part or all of your Premiums to the Fixed Account. Amounts allocated to the Fixed Account become part of the general assets of Wilton New York. Wilton New York invests the assets of the general account in accordance with applicable laws governing the investments of insurance company general accounts.

We credit interest to amounts allocated to the Fixed Account at an effective annual rate of at least 3.0%. We are not obligated to, but we may credit interest at a higher rate. You assume the risk that the interest rate credited to the Fixed Account may be no higher than those rates.

**Policy and/or Registrant Changes** 

**Changes to the Policy.** We reserve the right to amend the Policy to comply with changes in requirements imposed by our regulators. Only officers of Wilton Reassurance Life Company of New York have authority to change this Policy. No agent may do this. Any change must be made in writing by us and is subject to any necessary regulatory approvals.

**Changes to the Separate Account** 

**Additions, Deletions and Substitutions of Securities.** If the shares of any of the Portfolios are no longer available for investment by the Separate Account or if, in the judgment of our management, further investment in the shares of a Portfolio is no longer appropriate in view of the purposes of the Policy, we may add or substitute shares of another Portfolio or underlying fund for Portfolio shares already purchased or to be purchased in the future by Premiums under the Policy. Any substitution of securities will comply with the requirements of the 1940 Act.

We also reserve the right, subject to applicable law:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Operate the Separate Account in any form permitted by law;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Take any action necessary to comply with, or obtain and continue any exemption from, applicable laws;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Transfer assets from one Sub-Account to another, or to our general
account and to substitute the Portfolio Companies in which the Sub-Accounts invest subject to requirements of the Investment Company Act of 1940;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Add, combine, or remove Sub-Accounts in the Separate Account

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assess a charge for taxes attributable to the operations of the Separate Account or for other taxes, as
described in " [<u>Charges and Deductions</u>](#pro75976_30) "; and

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Change the way in which we assess other charges, as long as the total other charges do not exceed the amount
currently charged by the Separate Account and the Portfolio Companies in connection with the Policies.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• De-register the Separate Account under the Investment Company Act of
1940;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Manage the Separate Account under the direction of a committee or discharge such committee at any time;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Restrict or eliminate any voting rights of Policy Owners or other persons who have voting rights as to the
Separate Account;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Combine the Separate Account with one or more other separate accounts; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Transfer assets of the Separate Account, which we determine to be associated with the class of policies to
which this Policy belongs, to another separate account. If this type of transfer is made, the term "Separate Account", as used in the Policy, shall mean the separate account to which the assets were transferred.

We also reserve the right, subject to applicable laws and regulations and after providing notice to you, to discontinue accepting Premium payments and/or discontinue permitting transfers into Sub-Accounts of the Separate Account.

**Transfers** 

**General.** While the Policy is inforce, you may transfer Policy Value among the Fixed Account and Sub-Accounts in writing or by telephone. Currently, there is no minimum transfer amount. We may set a minimum transfer amount in the future. In the future, we may charge you the [<u>transfer fee</u>](#pro75976_13), although currently we are waiving it.

You currently may not have Policy Value in more 21 Investment Options. Accordingly, we will not perform a transfer that would cause your Policy to exceed that limit. We may waive this limit in the future.

Generally, we only make transfers on Valuation Dates. See "[<u>Policy Value</u>"](#pro75976_69). If we receive your request on a day that is not a Valuation Date, or if we receive your request after the close of business on the NYSE, we make the transfer on the first subsequent Valuation Date.

Special requirements apply to transfers from the Fixed Account. You may transfer a single payment from the Fixed Account to the Sub-Accounts only during the 60-day period beginning on the Issue Date or each Policy Anniversary. We do not process transfer requests involving the Fixed Account at any other time, except transfers pursuant to a Dollar Cost Averaging or Portfolio Rebalancing program.

You may not transfer Policy Value or allocate new Premiums into the Fixed Account if transfers are being made out under the Dollar Cost Averaging program. However, we may waive or modify these restrictions on transfers from the Fixed Account.

This limit also applies to transfers under a Dollar Cost Averaging program, unless you choose to transfer your entire Fixed Account balance to Sub-Accounts. In that case, your maximum monthly transfer amount may not be more than 1/36th of your Fixed Account balance on the day of the first transfer.

The Policy permits us to defer transfers from the Fixed Account for up to six months from the date you request a transfer.

**Transfers Authorized by Telephone.** You may make transfers by telephone. Telephone transfers may not be available if all lines are busy. In that case, you will need to submit a written request or try to call later.

To give a third-party authorization, you must first send us a completed authorization form.

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The cut off time for telephone transfer requests is 4:00 p.m. Eastern time. Requests completed before 4:00 p.m. will be effective on that day at that day's price. Requests completed after 4:00 p.m. will be effective on the Valuation Date, at that day's price.

We use procedures that we believe provide reasonable assurance that telephone authorized transfers are genuine. For example, we request identifying information from persons purporting to authorize transfers. Accordingly, we disclaim any liability for losses resulting from allegedly unauthorized telephone transfers. However, if we do not take reasonable steps to help ensure that a telephone authorization is valid, we may be liable for such losses.

At any time, we may suspend, modify or terminate your privilege to make transfers via the telephone, or via other electronic or automated means specifically approved by the Company, including, but not limited to, automated telephone services, facsimile machine, e-mail and electronic services via online access. Among other things, we reserve the right to limit the number of such transfers among the Sub-Accounts in any Policy Year, or to refuse any telephone transfer request. We also reserve the right to restrict such transfers in any manner reasonably designed to prevent transfers that we consider disadvantageous to other Policy Owners.

**Dollar Cost Averaging.** Under our automatic Dollar Cost Averaging program, while the Policy is inforce you may authorize us to transfer a fixed dollar amount at fixed intervals from the Fixed Account or a Sub-Account of your choosing so long as your Policy Value is spread among no more than 21 Investment Options. The interval between transfers may be monthly, quarterly, semi-annually or annually, at your option. There are no fees associated with the Dollar Cost Averaging program. Transfers made under a Dollar Cost Averaging program will not be assessed a transfer fee and do not count towards the number of transfers you can make before a transfer fee applies. The transfers are made at the Accumulation Unit Value on the date of the transfer. The transfers continue until you instruct us otherwise, or until your chosen source of transfer payments is exhausted. Currently, the minimum transfer amount is $100 per transfer. We may change this minimum or grant exceptions. If you elect this program, the first transfer occurs one interval after you elect the Dollar Cost Averaging program. Your request to participate in this program is effective when we receive your completed application at the P.O. Box given on the first page of this Prospectus. Please call or write us for a copy of the application. You may elect to increase, decrease or change the frequency or amount of transfer payments under a Dollar Cost Averaging program. Special restrictions apply to transfers from the Fixed Account. Please see "[<u>Transfers — General</u>](#pro75976_52)" for a discussion of these restrictions.

The theory of Dollar Cost Averaging is that by spreading your investment over time, you may be able to reduce the effect of transitory market conditions on your investment. In addition, because a given dollar amount purchases more units when the unit prices are relatively low rather than when the prices are higher, in a fluctuating market, the average cost per unit may be less than the average of the unit prices on the purchase dates. However, participation in this program does not assure you of a greater profit from your purchases under the program, nor does it prevent or necessarily reduce losses in a declining market. Moreover, while we refer to this program of periodic transfers generally as Dollar Cost Averaging, periodic transfers from a Sub-Account with more volatile performance experience is unlikely to produce the desired effects of Dollar Cost Averaging as would transfers from a less volatile Sub-Account. You may not use Dollar Cost Averaging and Portfolio Rebalancing at the same time.

**Portfolio Rebalancing.** Portfolio Rebalancing allows you to maintain the percentage of your Policy Value allocated to each Sub-Account or the Fixed Account or both at a preset level. Over time, the variations in each Sub-Account's investment results shift the balance of your Policy Value allocations. Under the Portfolio Rebalancing feature, we automatically transfer your Policy Value, including new Premiums, back to the percentages you specify. Portfolio Rebalancing is consistent with maintaining your desired allocation among the Investment Options.

You may choose to have rebalances made monthly, quarterly, semi-annually or annually. There are no fees associated with Portfolio Rebalancing. Transfers made under a Portfolio Rebalancing program will not be assessed a transfer fee and do not count towards the number of transfers you can make before a transfer fee applies. No more than 21 Investment Options can be included in a Portfolio Rebalancing program at one time. Transfers from the Fixed Account under a Portfolio Rebalancing program are subject to the overall limit on

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transfers from the Fixed Account. Accordingly, if the total amount transferred from the Fixed Account in any Policy Year reaches that limit before the end of the year, we do not transfer additional amounts from the Fixed Account for Portfolio Rebalancing purposes until the next Policy Year. We automatically terminate this option if you request any transfers outside the Portfolio Rebalancing program. If you wish to resume the Portfolio Rebalancing after it has been canceled, then you must complete a new Portfolio Rebalancing form and send it to our home office.

You may request Portfolio Rebalancing at any time by submitting a completed written request to us at the address given on the first page of this Prospectus. Please call or write us for a copy of the request form. If you stop Portfolio Rebalancing, you must wait 30 days to begin again. The date of your rebalancing must coincide with the same day of the month as your Issue Date. If you request rebalancing on your Policy application and specify the frequency, but not the date, for your first rebalancing, it occurs one interval after the Issue Date. Otherwise, your first rebalancing occurs one interval after we receive your completed request form. All subsequent rebalancing's occur at the intervals you have specified on the day of the month that coincides with the same day of the month as your Issue Date.

Generally, you may change the allocation percentages, frequency or choice of Sub-Accounts at any time. If you include the Fixed Account in a Portfolio Rebalancing program, however, in any consecutive twelve months you may not change the allocation percentages more than twice and the total change to the Fixed Account allocation may not exceed 20%. We may waive this restriction.

If your total Policy Value subject to rebalancing falls below any minimum value that we may establish, we may prohibit or limit your use of Portfolio Rebalancing. You may not use Dollar Cost Averaging and Portfolio Rebalancing at the same time. We may change, terminate, limit or suspend Portfolio Rebalancing at any time.

**Market Timing & Excessive Trading.** The Policies are intended for long-term investment. Market timing and excessive trading can potentially dilute the value of Sub-Accounts and can disrupt management of a Portfolio Company and raise its expenses, which can impair the Portfolio Company's performance and adversely affect your Policy Value. Our Policy is not to accept knowingly any premium intended for the purpose of market timing or excessive trading. Accordingly, you should not invest in the Policy if your purpose is to engage in market timing or excessive trading, and you should refrain from such practices if you currently own a Policy.

We seek to detect market timing or excessive trading activity by reviewing trading activities. Portfolio Companies also may report suspected market-timing or excessive trading activity to us. If, in our judgment, we determine that the transfers are part of a market timing strategy or are otherwise harmful to the underlying Portfolio Company, we will impose the trading limitations as described below under "[<u>Transfers - Trading Limitations</u>](#pro75976_58)." Because there is no universally accepted definition of what constitutes market timing or excessive trading, we will use our reasonable judgment based on all of the circumstances.

While we seek to deter market timing and excessive trading in Sub-Accounts, because our procedures involve the exercise of reasonable judgment, we may not identify or prevent some market timing or excessive trading. Moreover, imposition of trading limitations is triggered by the detection of market timing or excessive trading activity, and the trading limitations are not applied prior to detection of such trading activity. Therefore, our policies and procedures do not prevent such trading activity before it is detected. As a result, some investors may be able to engage in market timing and excessive trading, while others are prohibited, and the Sub-Account may experience the adverse effects of market timing and excessive trading described above.

**Trading Limitations.** We reserve the right to limit transfers among the investment alternatives in any Policy Year, require that all future transfer requests be submitted through U.S. Postal Service First Class Mail thereby refusing to accept transfer requests via telephone, facsimile, Internet, or overnight delivery, or to refuse any transfer request, if:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• we believe, in our sole discretion, that certain trading practices, such as excessive trading, by, or on
behalf of, one or more Policy Owners, or a specific transfer request or group of transfer requests, may have a detrimental effect on the Accumulation Unit Values of any Sub-Account or on the share prices of
the corresponding Portfolio Company or otherwise would be to the disadvantage of other Policy Owners; or

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• we are informed by one or more of the Portfolio Companies that they intend to restrict the purchase, exchange,
or redemption of the Portfolio Company shares because of excessive trading or because they believe that a specific transfer or group of transfers would have a detrimental effect on the prices of the Portfolio Company shares.

In making the determination that trading activity constitutes market timing or excessive trading, we will consider, among other things:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the total dollar amount being transferred, both in the aggregate and in the transfer request; the number of
transfers you make over a period of time and/or the period of time between transfers (note: one set of transfers to and from a Sub-Account in a short period of time can constitute market timing);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• whether your transfers follow a pattern that appears designed to take advantage of short-term market
fluctuations, particularly within certain Sub-Account underlying the Portfolio Company that we have identified as being susceptible to market timing activities (e.g., International, High Yield, and Small Cap Sub-Accounts);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• whether the manager of the underlying Portfolio Company has indicated that the transfers interfere with the
Portfolio Company management or otherwise adversely impact the Portfolio Company; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the investment objectives and/or size of the Sub-Account's underlying the Portfolio Company.

We seek to uniformly apply these trading limitations to all trades, including those that occur through omnibus accounts at intermediaries. However, because these determinations involve the exercise of discretion, it is possible that we may not detect some market timing or excessive trading activity. As a result, it is possible that some investors may be able to engage in market timing or excessive trading activity, while others are prohibited, and the Portfolio Company may experience the adverse effects of market timing and excessive trading described above.

If we determine that a Policy Owner has engaged in market timing or excessive trading activity, we will require that all future transfer requests be submitted through U.S. Postal Service First Class Mail thereby refusing to accept transfer requests via telephone, facsimile, Internet, or overnight delivery. If we determine that a Policy Owner continues to engage in a pattern of market timing or excessive trading activity we will restrict that Policy Owner from making future additions or transfers into the impacted Sub-Account(s) or will restrict that Policy Owner from making future additions or transfers into the class of Sub-Account(s) if the Sub-Accounts(s) involved are vulnerable to arbitrage market timing trading activity (e.g., International, High Yield, and Small Cap Sub-Accounts).

In our sole discretion, we may revise our Trading Limitations at any time as necessary to better deter or minimize market timing and excessive trading or to comply with regulatory requirements.

**Agreements to Share Information with Funds.** Under the Investment Company Act of 1940, Wilton Reassurance Life Company of New York has entered into information sharing agreements with each of the fund companies whose funds are offered under the Policy. Policy Owner trading information is shared under these agreements as necessary for the fund companies to monitor fund trading and Wilton New York's trading Policy. Under these agreements, Wilton New York is required to share information regarding Policy Owner transactions, including but not limited to information regarding fund transfers initiated by you. In addition to information about Policy Owner transactions, this information may include personal Policy Owner information, including names and social security numbers or other tax identification numbers. As a result of this information sharing, a fund company may direct us to restrict a Policy Owner's transactions if the fund determines that the Policy Owner has violated the fund's frequent trading policies. This could include the fund directing us to reject any allocations of premium or Policy Value to the fund.

**Short-Term Trading Fees.** The underlying Portfolio Companies are authorized by SEC regulation to adopt and impose redemption fees if a Portfolio Company's Board of Directors determines that such fees are necessary to minimize or eliminate short-term transfer activity and/or holding periods that can reduce or dilute the value of outstanding shares issued by the Portfolio Company. The Portfolio will set the parameters relating to the

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redemption fee and such parameters may vary by Portfolio Company. If a Portfolio Company elects to adopt and charge redemption fees, these fees will be passed on to the Policy Owner(s) responsible for the short-term transfer activity generating the fee.

We will administer and collect redemption fees and forward these fees to the Portfolio Company. Please consult the Portfolio Company's prospectus for more complete information regarding the fees and charges associated with each Portfolio Company.

**Purchase of Policy and Premiums** 

**Application for a Policy.** You may apply to purchase a Policy by submitting a written application to us at the address given on the first page of this Prospectus. The maximum issue age is 80. The minimum Face Amount for a Policy is $100,000. Before we issue a Policy, we require you to submit evidence of insurability satisfactory to us. Acceptance of your application is subject to our underwriting rules. We reserve the right to reject your application for any lawful reason. If we do not issue a Policy to you, we return your Premium to you. We reserve the right to change the terms or conditions of your Policy to comply with changes in the applicable law. Not all riders may be available in all states. This Prospectus describes all material features of the Policy including all material variations.

We issue your Policy when we have determined that your application meets our underwriting requirements. The required premium for the Policy is based on the Insured's age, sex, underwriting classification, Face Amount of the Policy, death benefit option, optional riders selected, and charges and expenses. We apply our customary underwriting standards to the proposed Insured. If on the Issue Date there are outstanding requirements, we will allocate your Premium when all requirements have been met. An example of an outstanding requirement is an amendment to your application that requires your signature. We commence coverage of the Insured under the Policy, on the later of: (i) the Issue Date, (ii) the date that we receive your first Premium, or (iii) the date that all underwriting requirements have been met.

If you pay a Premium with your application and your requested Face Amount is less than $1,000,000, we provide you with temporary conditional insurance only if you meet all of the terms of a conditional receipt. The temporary conditional insurance provides coverage during the underwriting of your application but only if you are ultimately approved for coverage on the same basis as the risk classification and Face Amount of coverage for which you applied. This temporary conditional coverage starts when you complete your application and pay the first Premium, unless a medical exam or lab test results are required. In that event, temporary conditional coverage starts when all medical exams and lab tests have been completed. The Issue Date determines Monthly Activity Days, Policy Months, and Policy Years.

**Premium Payments.** During the first Policy Year, you must pay an amount at least equal to the required Premium shown in your Policy. We send you a reminder notice if you pay annually, semi-annually or quarterly. You may also make a Monthly Automatic Payment.

After the first Policy Year, you may pay additional Premium at any time, and in any amount, as long as your Premium would not cause your Policy to lose its status as a life insurance contract under the Tax Code, as explained in "[<u>Federal Taxes</u>](#pro75976_102)". If you pay too little, the Policy will lapse subject to the Grace Period. Premiums must be sent to us at our address on the first page. Unless you request otherwise in writing, we treat all payments received while a Policy loan exists as new Premium.

Your Policy also shows a planned periodic Premium amount; however, you are not required to pay the planned periodic Premiums. You set the planned periodic Premium when you purchase your Policy. Your Policy will not lapse because you did not pay a planned periodic Premium.

Even if you pay all of the planned periodic Premiums, however, your Policy nevertheless may enter the Grace Period and thereafter lapse if you have not paid the required Safety Net Premium amount and the Net Surrender Value is no longer enough to pay the Monthly Deductions. Please see "[<u>How Your Policy Can Lapse</u>](#pro75976_97)" Yet, paying planned periodic Premiums will generally provide greater benefits than if a lower amount of Premium is paid.

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**Premium Limits.** Before we accept any Premium that would require an increase in the net amount at risk under the Policy, you first must provide us with evidence of insurability. The Tax Code imposes limits on the amount of Premium that can be contributed under a life insurance policy. If you exceed this limit, your Policy will lose its favorable federal income tax treatment under the Tax Code. Accordingly, we will not accept any Premium that would cause your Policy to exceed this limit, unless you increase the Face Amount of your Policy appropriately. To obtain this increase, you must submit a written request to us and provide evidence

of insurability meeting our then current underwriting standards. Otherwise, we will only accept the portion of your Premium that would cause your total Premiums to equal the maximum permitted amount and we will return the excess to you. In addition, we will not accept any additional Premium from you until we can do so without exceeding the limit set by the Tax Code.

Paying too much Premium also could cause your Policy to be treated as a "modified endowment contract" for federal income tax purposes. See "[<u>Federal Taxes - Modified Endowment Contracts</u>](#pro75976_66)".

**Safety Net Premium.** The Safety Net Premium feature can enable you to keep your Policy (including any riders) in force during a specified period regardless of changes in the Policy Value. If the Insured is age 60 or under at the Issue Date the specified period is the first twenty Policy Years. Otherwise the specified period runs until the Policy Anniversary after the Insured's 80th birthday.

Ordinarily, your Policy enters the Grace Period and may lapse if the Net Surrender Value is not sufficient to pay a Monthly Deduction when it is due. For additional discussion of lapse, please see "[<u>How Your Policy Can Lapse</u>](#pro75976_97)". Under the Safety Net Premium feature, however, we guarantee that, regardless of declines in your Policy Value, your Policy will not enter the Grace Period if your total Premiums paid since the Issue Date, less any partial withdrawals and outstanding Policy loans, are greater than the monthly Safety Net Premium amount times the number of months since the Issue Date.

During the first Policy Year, the Safety Net Premium amount is the minimum Premium required in order to issue the Policy. In subsequent years, the Safety Net Premium is the same as that of the first year provided there are no changes made to your Policy. As a result, if you pay your required Premium on a timely basis, the Safety Net Premium feature remains in effect. Because the Safety Net Premium feature covers optional Riders, adding optional Riders to your Policy increases your Safety Net Premium amount. Face amount increases or decreases, partial withdrawals, and death benefit option changes may also affect the monthly Safety Net Premiums.

If at any time your total Premiums, less partial withdrawals and Policy Debt, are less than the product of the monthly Safety Net Premium times the number of Policy Months since the Issue Date, the Safety Net Premium guarantee ends. We will notify you and you will be given 61 days to satisfy any shortfall. If such payments are not made during this period, the Safety Net Premium provision will terminate. The Safety Net Premium feature can be reinstated at any time before the Safety Net expiry date if total premium payments received, less partial withdrawals and Policy Debt are greater than the sum of the required monthly Safety Net Premiums. For more detail about the circumstances in which the Policy will lapse, see "[<u>How Your Policy Can Lapse</u>](#pro75976_97)".

**Modified Endowment Contracts.** Under certain circumstances, a Policy could be classified as a "modified endowment contract," which is a category of life insurance policy defined in the Tax Code. If your Policy were to become a modified endowment contract, distributions and loans from the Policy could result in current taxable income for you, as well as other adverse tax consequences. These tax consequences are described in more detail in "[<u>Federal Taxes - Modified Endowment Contracts.</u>"](#pro75976_66)

Your Policy could be a Modified Endowment Contract if, among other things, you pay too much Premium or if the Death Benefit is reduced. We monitor the status of your Policy and advise you if you need to take action to prevent the Policy from becoming a modified endowment contract. If you pay a Premium that would result in this classification, we notify you and allow you to request a refund of the excess Premium, or other action, to avoid having your Policy become a modified endowment contract. If, however, you choose to have your Policy become a modified endowment contract, we do not refund the Premium.

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Your Policy will be a Modified Endowment Contract if it is issued in exchange for a modified endowment contract issued by another insurer. Your Policy will not be a modified endowment contract if it is issued in exchange for a non-modified endowment contract in a transaction that qualifies under Section 1035 of the Tax Code. However, paying additional Premium into such a Policy could cause it to become a modified endowment contract. For more information, please consult your tax adviser.

If you replace a modified endowment contract issued by another insurer with a Policy, your Policy will also be deemed a modified endowment contract. Our ability to determine whether a replaced Policy issued by another insurer is a modified endowment contract is based solely on the sufficiency of the Policy data we receive from the other insurer. We do not consider ourselves liable to you if that data is insufficient to accurately determine whether the replaced Policy is a modified endowment contract. You should discuss this issue with your tax adviser if it pertains to your situation. Based on the information provided to us, we will notify you as to whether you can contribute more Premiums to your Policy without causing it to become a modified endowment contract.

**Allocation of Premiums.** Your Net Premiums are allocated to the Sub-Account(s) and the Fixed Account in the proportions that you have selected. You must specify your allocation percentages in your Policy application. Percentages must be in whole numbers and the total allocation must equal 100%. We allocate your subsequent Net Premiums in those percentages until you give us new allocation instructions.

Initially, you may allocate your Policy Value among twenty-one (21) options, counting each Sub-Account and the Fixed Account as one option. You may allocate Policy Value among these options from time to time so long as your Policy Value is spread among no more than the 21 options. In the future, we may change or waive this limit.

We allocate your initial Net Premium to the Sub-Accounts and the Fixed Account, as you have instructed us, on the Issue Date. If you do not pay the first Premium until after the Issue Date, we allocate your initial Net Premium to the Sub-Accounts and the Fixed Account on the date we receive it at the Home Office. If there are outstanding requirements when we issue the Policy, your Premiums are not allocated until all requirements are satisfied. In these cases, the Premium is held in an account without interest until the outstanding requirements are satisfied. We do not credit earnings or interest before the Issue Date.

**Sub-Account Valuation.** Net Premium payments are credited to the Sub-Accounts on the basis of the Sub-Account valuation next determined after receipt of the Premium. For Premiums received before the New York Stock Exchange closes the Net Premium is allocated to the Sub-Accounts based on the Sub-Account Accumulation Unit value determined at the close of that regular business session of the New York Stock Exchange (usually 3:00p.m. Central Time). If we receive the Premium after the close of the New York Stock Exchange, it is allocated based on the Sub-Account Accumulation Unit value determined at the close of the next regular session of the New York Stock Exchange. We convert amounts allocated to the Sub-Accounts into Accumulation Units by dividing the dollar amount allocated by the Accumulation Unit value for that Sub-Account on the Valuation Date when the allocation occurs.

**Policy Value** 

**General.** Your Policy Value is the sum of the values of your interests in the Sub-Accounts of the Separate Account plus the value of the Fixed Account and the Loan Account. Your Policy Value changes daily to reflect the performance of the Sub-Accounts you have chosen, the addition of interest credited to the Fixed Account, the addition of Net Premiums, and the subtraction of partial withdrawals and charges assessed. There is no minimum guaranteed Policy Value.

The Accumulation Unit Value for each Sub-Account varies to reflect the investment experience of the applicable Portfolio. We determine the Accumulation Unit Value for each Sub-Account on each Valuation Date by multiplying the Accumulation Unit Value on the preceding Valuation Date by the Net Investment Factor for that Sub-Account for the Valuation Period then ended.

The Net Investment Factor for each Sub-Account is (1) divided by (2), where:

1) equals (a) the net asset value per share of the Portfolio held in the Sub-Account at the end of the current Valuation Period, plus (b) the per share amount of any dividend or capital gains distribution made by

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the Portfolio during the current Valuation Period, plus or minus (c) a per share credit or charge with respect to any taxes which we paid or for which we reserved during the Valuation Period which are determined by us to be attributable to the operation of the Sub-Account (no federal income taxes currently are applicable); and

2) is the net asset value per share of the Portfolio held in the Sub-Account at the end of the previous Valuation Period.

Please refer to the Prospectuses for the Portfolios for a description of how the assets of each Portfolio are valued, since that determination has a direct bearing on the Net Investment Factor of the corresponding Sub-Account and, therefore, your Policy Value.

On each Valuation Date, the portion of your Policy Value in a particular Sub-Account will equal:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) The total value of your Accumulation Units in the Sub-Account; plus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) Any Net Premium received from you and allocated to the Sub-Account during the current Valuation Period; plus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) Any Policy Value transferred to the Sub-Account during the current
Valuation Period; minus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) Any Policy Value transferred from the Sub-Account during the current
Valuation Period; minus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) Any amounts withdrawn by you (plus the applicable withdrawal charge) from the Sub-Account during the current Valuation Period; minus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(6) The portion of any Monthly Deduction allocated to the Sub-Account during the current Valuation Period for the Policy Month following the Monthly Deduction Day.

On each Valuation Date, the portion of your Policy Value in the Fixed Account will equal:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Any Net Premium allocated to it, plus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) Any Policy Value transferred to it from the Sub-Accounts; plus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) Interest credited to it; minus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) Any Policy Value transferred out of it; minus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) Any amounts withdrawn by you (plus the applicable withdrawal charge); minus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(6) The portion of any Monthly Deduction allocated to the Fixed Account.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(7) All Policy Values equal or exceed those required by law. Detailed explanations of methods of calculation are
on file with the appropriate regulatory authorities.

**Written Requests and Forms in Good Order.** Written requests must include sufficient information and/or documentation, and be sufficiently clear, to enable us to complete your request without the need to exercise discretion on our part to carry it out. You may contact our Customer Service Center to learn what information we require for your particular request to be in "good order." Additionally, we may require that you submit your request on our form. We reserve the right to determine whether any particular request is in good order, and to change or waive any good order requirements at any time.

**Postponement of Payments.** We may defer for up to fifteen days the payment of any amount attributable to a Premium paid by check to allow the check a reasonable time to clear. We may postpone paying any amount for a total surrender or a partial withdrawal, the disbursement of a Policy loan, or the payment of the Death Benefit Proceeds, in the following circumstances:

(i) whenever the New York Stock Exchange ("NYSE") is closed (other than customary weekend and holiday closings); (ii) when trading on the NYSE is restricted or an emergency exists, as determined by the Securities and Exchange Commission ("SEC"), so that disposal of the Separate Account's investments or determination of the value of its net assets is not reasonably practicable; or (iii) at any other time permitted by the SEC for your protection.

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In addition, we may delay payment of the Surrender Value in the Fixed Account for up to six months or a shorter period if required by law. If we defer payment for more than 30 days, we add interest at our current rate from the time you asked for the Surrender Value in accordance with applicable state law.

We may postpone paying any amount for a total surrender, a partial withdrawal, or the disbursement of a Policy loan to authenticate the signature on a request. In the event that we postpone payment, the request will not be effective until we have validated the signature on the request to our satisfaction. Once accepted, the request for a total surrender, a partial withdrawal, or a Policy loan will be paid within seven days.

**Death Benefit** 

**Death Benefits.** While your Policy is inforce, we pay the Death Benefit proceeds upon the death of the Insured. We will pay the Death Benefit proceeds to the named Beneficiary(ies) or contingent Beneficiary(ies). As described below in "[<u>Settlement Options</u>", we pay the Death Benefit proceeds in one sum or under an optional payment](#pro75976_85)plan.

The Death Benefit proceeds payable to the Beneficiary equal the applicable Death Benefit, less any Policy Debt and less any due and unpaid charges. The proceeds may be increased, if you have added a rider that provides an additional benefit. Riders which may impact the death benefit include the Accidental Death Benefit Rider, the Additional Insured Term Rider, the Primary Insured Term Rider, the Overloan Protection Rider, and the Accelerated Death Benefit Riders. Please see "<u>[Other Benefits Available Under Your Policy](#pro75976_81)</u>". We determine the amount of the Death Benefit proceeds as of the end of the Valuation Period during which the Insured dies. We usually pay the Death Benefit proceeds within seven days after we have received due proof of death and all other requirements we deem necessary have been satisfied. The amount of the Death Benefit is based on the Death Benefit Option you have selected, any increases or decreases in the Face Amount, and in some instances your Policy Value.

**Death Benefit Options.** The minimum Death Benefit is equal to the Face Amount. You may choose one of two Death Benefit Options:

<u>Option 1:</u> the Death Benefit is the greater of: (a) the Face Amount of the Policy on the date of death; or (b) the Policy Value multiplied by the applicable corridor percentage as described below, and as set forth in your Policy. Option 1 is designed to provide a specific amount of Death Benefit that generally does not vary with changes in the Policy Value. As your Policy Value increases, the net amount at risk under your Policy generally decreases, unless your Policy Value is sufficiently large to require that the Death Benefit be determined using the applicable corridor percentage.

<u>Option 2:</u> the Death Benefit is the greater of: (a) the Face Amount plus the Policy Value on the date of death; or (b) the Policy Value multiplied by the applicable corridor percentage. Under Option 2, the amount of the Death Benefit generally increases to reflect increases in the Policy Value. Under this option your Policy generally involves a constant net amount at risk. If this Policy is inforce on the Policy Anniversary following the insured's 100<sup>th</sup> birthday and Option 2 has been selected, the death benefit option will change to Option 1.

While your Policy remains inforce, we guarantee that the Death Benefit will not be less than the greater of the current Face Amount of the Policy or the Policy Value multiplied by the applicable corridor percentage. We have set forth the applicable corridor percentages in the Policy. The corridor percentages are based upon the age of the Insured. The applicable corridor percentage decreases from 250% at age 40 or less to 100% at age 100 or above.

Since the cost of insurance charge is based upon the net amount at risk, it generally is less under a Policy with an Option 1 Death Benefit than one with an Option 2 Death Benefit. As a result, if the Sub-Accounts you select experience favorable investment results, your Policy Value tends to increase faster under Option 1 than under Option 2, but the total Death Benefit under Option 2 increases or decreases directly with changes in Policy Value. Thus, for a given Premium and Face Amount, you may prefer Option 1 if you are more interested in the possibility of increasing your Policy Value based upon favorable investment experience, while you may prefer Option 2 if you are seeking to increase total Death Benefits.

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<u>Example of Applicable Corridor Percentage.</u> The corridor percentages are set so as to seek to ensure that the Policies qualify for favorable federal income tax treatment. An increase in Policy Value due to favorable investment experience may increase the Death Benefit above the Face Amount, and a decrease in Policy Value due to unfavorable investment experience may decrease the Death Benefit (but not below the Face Amount). For example, if in the example below the Policy Owner paid a Net Premium of $40,000 and the Policy Value increased to $48,000 and then decreased to $34,000, the changes in Policy Value would have the following effects on the Death Benefit:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**EXAMPLES** | **A** | **B** |
| &nbsp;&nbsp;&nbsp; Face Amount | $100000 | $100000 |
| &nbsp;&nbsp;&nbsp; Death Benefit Option | 1 | 1 |
| &nbsp;&nbsp;&nbsp; Insured's Attained Age | 37 | 37 |
| &nbsp;&nbsp;&nbsp; Policy Value on Date of Death | $48000 | $34000 |
| &nbsp;&nbsp;&nbsp; Applicable Corridor Percentage | 250% | 250% |
| &nbsp;&nbsp;&nbsp; Death Benefit | $120000 | $100000 |

---

In Example A, the Death Benefit equals $120,000, i.e., the greater of $100,000 (the Face Amount) and $120,000 (the Policy Value at the Date of Death of $48,000, multiplied by the corridor percentage of 250%). This amount, less any Policy Debt and unpaid charges, constitutes the Death Benefit proceeds that we would pay to the Beneficiary.

In Example B, the Death Benefit is $100,000, i.e., the greater of $100,000 (the Face Amount) or $85,000 (the Policy Value of $34,000 multiplied by the corridor percentage of 250%).

**Change to Death Benefit Option.** After the first Policy Year, you may change the Death Benefit Option by writing to us at the address given on the first page of this Prospectus. If you ask to change from Option 2 to Option 1, we increase the Face Amount of your Policy by the amount of the Policy Value. If you ask to change from Option 1 to Option 2, we decrease the Face Amount of your Policy by the amount of the Policy Value. The change takes effect on the Monthly Activity Day on or immediately following the day we receive your written request. We do not currently require you to prove insurability for a Death Benefit Option change. In addition, changes to the death benefit option may have tax consequences.

**Change to Face Amount.** You may change the Face Amount after the first Policy Year. You may request the change by writing to us at the address shown on the first page of this Prospectus. You should be aware that a change in the Face Amount changes the net amount at risk and, therefore, changes the cost of insurance charges on your Policy. The change will take effect on the Monthly Activity Day after we approve the request. We do not permit a Face Amount change if the Policy is in the Grace Period.

If you request a decrease in Face Amount, we first apply it to coverage provided by the most recent increase in Face Amount, then to the next most recent increase successively and finally to the coverage under the original application. We do not permit a decrease in the Face Amount of your Policy if afterward the Face Amount remaining inforce would be less than $100,000. A decrease in the Face Amount affects the Safety Net Premium, if applicable. A Face Amount decrease will not be subject to a partial withdrawal fee, even if the reduction triggers a mandatory withdrawal of funds from this Policy.

To apply for an increase in the Face Amount, you must submit to us a supplemental application, accompanied by satisfactory evidence that the Insured is insurable. We do not permit any increase in Face Amount after the Insured's 80th birthday. The minimum amount of a Face Amount increase is $10,000. You may not increase the Face Amount of your Policy more often than once every twelve months.

You should be aware that an increase in the Face Amount of your Policy affects the cost of insurance charges applicable to your Policy. As noted above, we deduct a larger amount of cost of insurance charges, because an increase in the Face Amount also increases the net amount at risk under your Policy. We will not approve a request for a Face Amount increase if the Net Surrender Value is too small to pay the Monthly Deduction for the

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Policy Month following the increase. As described in "<u>[Charges and Deductions - Surrender Charge](#pro75976_41)</u>", if you increase the Face Amount of your Policy, your maximum surrender charge also increases. Finally, increases in the Face Amount of your Policy also increase the Safety Net Premium amount. Modifying the Policy's Face Amount may have tax ramifications. For additional information, please see "<u>[Federal Taxes](#pro75976_102)</u>".

**Limit on Right to Contest.** We may not contest the insurance coverage under the Policy after the Policy has been inforce for two years while the Insured is alive. If the Policy has lapsed and been reinstated, we may not contest the reinstatement after two years from the date of the reinstatement while the Insured is alive. We may not contest any increase in the Face Amount of the Policy after the increase has been in effect for two years while the Insured is alive.

**Suicide.** If the Insured commits suicide while sane or kills him or herself while insane within two years of the Issue Date or within two years of any increase in the Face Amount, we are not required to pay the full Death Benefit that would otherwise be payable. Instead, we will pay an amount equal to the Policy Value less any Policy Debt and the Policy will stop. If within two years of the effective date of any increase in the Face Amount the Insured commits suicide while sane or kills him or herself while insane, we will pay a Death Benefit for the increase equal to the total cost of insurance charges.

**Misstatement as to Age and Sex.** If the age or sex of the Insured is incorrectly stated in the application, we will adjust the Death Benefit appropriately as specified in the Policy.

**Other Benefits Available Under the Policy** 

**General.** In addition to the standard death benefits associated with the Policy, other standard and/or optional benefits may also be available to you. The following tables summarize information about those benefits. Information about the fees associated with each benefit included in the table may be found in the Fee Table.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Optional Benefit Table** | &nbsp;&nbsp;&nbsp;**Optional Benefit Table** | &nbsp;&nbsp;&nbsp;**Optional Benefit Table** |
| &nbsp;&nbsp;&nbsp; **Name of Benefit** | **Purpose** | **Brief Description of Restrictions or Limitations** |
| &nbsp;&nbsp;&nbsp;Children's Level Term Rider | Provides for level term insurance on the Insured's children. | We provide coverage until the earlier of the child's 22nd birthday or the Insured's age 65. We pay the Death Benefit to the person designated by you. |
| &nbsp;&nbsp;&nbsp;Accidental Death Benefit Rider | Provide additional insurance if the Insured dies from accidental bodily injury. | This rider ends when one of the following occurs: (1) the Policy terminates; (2) the next Policy Anniversary after the Insured's 70th birthday; or (3) you ask to end the rider. |
| &nbsp;&nbsp;&nbsp;Continuation of Payment Rider | Under this rider, we contribute a monthly amount to the Policy Value if the Insured becomes totally disabled as defined in the rider. | This rider ends when one of the following occurs: (1) the Policy terminates; (2) the Insured reaches age 60; or (3) you ask to end the rider. |
| &nbsp;&nbsp;&nbsp;Additional Insured Term Rider | This rider provides life insurance coverage on an Additional Insured. | You may renew the coverage until the Additional Insured reaches age 80. Until the Additional Insured's 75th birthday, you may exchange the rider for a new Policy on the Additional Insured's life subject to certain conditions as defined in the rider. |
| &nbsp;&nbsp;&nbsp;Primary Insured Term Rider | This rider provides additional term life insurance coverage on the Primary Insured. | You may renew this coverage until the Insured reaches age 80. Until the Insured reaches age 75, you may exchange the rider for a new Policy. In addition, after the first Policy Year and until the Insured reaches age 75, you may convert the rider to the base Policy. |

---

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Standard Benefit Table** | &nbsp;&nbsp;&nbsp;**Standard Benefit Table** | &nbsp;&nbsp;&nbsp;**Standard Benefit Table** |
| &nbsp;&nbsp;&nbsp; **Name of Benefit** | **Purpose** | **Brief Description of Restrictions or Limitations** |
| &nbsp;&nbsp;&nbsp;Accelerated Death Benefit Rider, Terminal Illness | Provides for an advance of a portion of the Death Benefit if the Insured is diagnosed with a terminal illness and satisfactory proof of the terminal illness is provided to us. | A terminal illness is a medical condition that, notwithstanding medical care, will result in death within twelve months, or as otherwise provided by applicable state law.<br>The Death Benefit and Policy Value of your Policy are reduced if an accelerated benefit is paid.<br>The maximum accelerated death benefit you may receive is less than the Death Benefit and capped and subject to discounting, fees, required unpaid Premiums and any outstanding charges. |
| &nbsp;&nbsp;&nbsp;Overloan Protection Rider | Guarantees the Policy will not lapse due to Policy loans exceeding the Surrender Value. | Only available if Policy has been in force for at least 15 years and the Insured has attained age 75.<br>No additional premiums, withdrawals or loans are permitted.<br>There is a one-time charge of 4.5% of the Policy Value upon election.<br>The rider benefit is only available if certain conditions are met. |
| &nbsp;&nbsp;&nbsp;Dollar Cost Averaging | You may automatically transfer a set amount every month from any Sub-Account or the Fixed Account to any Sub-Account or the Fixed Account. | There is a minimum transfer amount of $100 per transfer.<br>This cannot be used with Portfolio Rebalancing. |
| &nbsp;&nbsp;&nbsp;Portfolio Rebalancing | We will automatically rebalance the Policy Value in each Sub-Account and return it to the desired percentage allocations each quarter. | If rebalancing is stopped, there is a 30 day waiting period to resume the program.<br>May not change allocation percentages more than twice in a 12 month period and total change to Fixed Account may not exceed 20%.<br>This cannot be used with Dollar Cost Averaging. |

---

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**<u>Riders</u>**

<sup>•</sup> Children's Level Term Rider

This rider provides for level term insurance on the Insured's children, as defined in the rider. We provide coverage until the earlier of the child's 22nd birthday or the Insured's age 65. We pay the Death Benefit to the person designated by you. If the Insured dies while the rider is in effect, we convert the coverage on each child to paid-up term insurance that remains in force until the child reaches age 22. The rider may be exchanged for a new term policy on the earlier of each child's 22nd birthday, or the Insured's age 65. We do not require evidence of insurability to exchange the rider. For example, if this rider is selected with a benefit amount of $10,000, and the insured child dies prior to their 22nd birthday when the Insured is 65 or younger, we would pay you the $10,000 benefit.

<sup>•</sup> Accidental Death Benefit Rider

Under this rider, we provide additional insurance if the Insured dies from accidental bodily injury as defined in the rider. This rider ends when one of the following occurs: (1) the Policy terminates; (2) the next Policy Anniversary after the Insured's 70th birthday; or (3) you ask to end the rider. For example, if this rider is selected with a $100,000 benefit and the Insured dies in an accident, such as a car wreck, prior to their 70<sup>th</sup> birthday, we would pay the Policy Beneficiary $100,000 in addition to the Death Benefit of the Policy.

<sup>•</sup> Continuation of Payment Rider

Under this rider, we contribute a monthly amount to the Policy Value if the Insured becomes totally disabled as defined in the rider. This rider ends when one of the following occurs: (1) the Policy terminates; (2) the Insured reaches age 60; or (3) you ask to end the rider. For example, if this rider is selected with a benefit amount of $750, and the Insured becomes disabled before they reach 60, we will pay $750 to the Policy every month during the Insured's disability.

<sup>•</sup> Additional Insured Term Rider

This rider provides life insurance coverage on an Additional Insured. We pay the Face Amount of the rider to the named Beneficiary when we receive due proof that the Additional Insured died while the rider was in force. You may renew the coverage until the Additional Insured reaches age 80. Until the Additional Insured's 75th birthday, you may exchange the rider for a new Policy on the Additional Insured's life, subject to certain conditions as defined in the rider. We do not require evidence of insurability to exchange the rider.

<sup>•</sup> Primary Insured Term Rider

This rider provides additional term life insurance coverage on the Primary Insured. You may renew this coverage until the Insured reaches age 80. Until the Insured reaches age 75, you may exchange the rider for a new Policy. In addition, after the first Policy Year and until the Insured reaches age 75, you may convert the rider to the base Policy. We do not require evidence of insurability to exchange or convert the Policy. If you purchase this rider, your surrender charge is less than if you purchased a single Policy with the same Face Amount as the total coverage of your Policy and Primary Insured Term Rider. In addition, at least initially your total insurance charges are lower for a Policy/Primary Insured Term Rider combination, although they may be higher if your Policy Value increases and the net amount at risk under your Policy decreases sufficiently.

Commissions payable to sales representatives on the sale of Policies with a Primary Insured Term Rider are calculated based on the total premium payments made for the base Policy and the rider. The commissions will vary depending on the ratio of the premium for the base Policy and the rider. The same amount of premium will result in the highest commission when there is no rider, with the commission declining as the portion of the death benefit coverage allocated to the rider increases. Thus, the lowest commission amount is payable when the maximum rider is purchased.

<sup>•</sup> Accelerated Death Benefit Rider, Terminal Illness

This rider provides for an advance of a portion of the Death Benefit if the Insured is diagnosed with a terminal illness and satisfactory proof of the terminal illness is provided to us. A terminal illness is a medical condition of

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the Insured that, notwithstanding medical care, will result in death within twelve months, or as otherwise provided by applicable NY law. You may add this rider after your Policy is issued. There is no additional cost for this rider. The maximum accelerated death benefit you may receive is the lesser of:

(i) 50% of the Death Benefit as of the date the first request is paid; or

(ii) $250,000, including all other accelerated benefit amounts paid under all policies issued by us on the life
of the Insured.

The Death Benefit and Policy Value of your Policy are reduced if an accelerated benefit is paid. The amount of Death Benefit that you request to accelerate is reduced by:

(i) any due and uncollected Monthly Deductions, or unpaid required Premium if a claim occurs during a Grace
Period;

(ii) if allowed in your state, an administrative expense charge of up to $200 for each accelerated benefit
request;

(iii) pro-rata amount of any outstanding Policy loan; and

(iv) twelve-month actuarial discount that reflects the early payment of the accelerated benefit amount.

For example, if the Insured's Face Amount is $100,000 and they are diagnosed with a terminal illness, such as pancreatic cancer, and their life expectancy is less than twelve months, upon the Policy Owner's request we will pay the Policy Owner $50,000 less an administrative fee of $200. The remaining Death Benefit for the Policy payable at the Insured's death is $50,000.

<sup>•</sup> Overloan Protection Rider

If the benefit is elected under this rider, the Policy will not lapse due to Policy loans exceeding the Surrender Value. The Overloan Protection Rider converts your Policy to a paid-up policy, which cannot lapse. As a paid- up policy, no additional premiums, withdrawals are permitted. No additional monthly charges are deducted from your Policy. You are permitted to repay any outstanding loans on the Policy. There is no charge for the rider unless the benefit is elected, when a one-time charge of 4.5% of the Policy Value will be deducted. The rider benefit is only available if certain conditions are met. These conditions are;

1) the Policy has been in force for at least 15 Policy Years;

2) the Insured has attained age 75;

3) the Death Benefit option for the Policy must be Option 1;

4) the Policy Debt is greater than the Face Amount;

5) the Policy Debt is at least 90% of the Surrender Value;

6) the sum of all partial withdrawals must be at least equal to the sum of all Premiums paid;

7) the Policy must not be a modified endowment contract (MEC) as defined by federal tax laws, and exercising the rider must not cause the Policy to become a MEC; and

8) the Policy Debt is no more than 99.9% of the Surrender Value after the overloan protection election charge has been deducted from the Policy Value.

For example, if the Policy has a Face Amount of $100,000, the Policy Owner purchased the Policy in 2005, the current year is 2021 and the Insured's attained age is 95. All Premiums have been withdrawn from the Policy and loans were taken. The Policy Debt currently is greater than the Face Amount and all other rider conditions are met. The Overloan Protection Rider is exercised, the one-time 4.5% charge is taken and the Policy remains inforce for the rest of the Insured's lifetime. Once the rider has been exercised, the Policy Owner can no longer pay premiums or take loans or withdrawals.

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**<u>Other Benefits</u>**

---

| | |
|:---|:---|
| <sup>•</sup> | **Dollar Cost Averaging -**Through our Dollar Cost Averaging Program, at no additional charge, you may automatically transfer a set amount every month (or other intervals we may offer) from any Sub-Account or the Fixed Account to any Sub-Account. See "<u>[Transfers - Dollar Cost Averaging](#pro75976_55)</u>". In this example, the owner elects to transfer a specified fixed amount of $1,000 monthly from Sub-Account A to Sub-Account B.  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp; Balance of Sub-Account A Prior to Transfer | $100000 |
| &nbsp;&nbsp;&nbsp; Balance of Sub-Account B Prior to Transfer | $100000 |
| &nbsp;&nbsp;&nbsp; Transfer from Sub-Account A to Sub-Account B | $1000 |
| &nbsp;&nbsp;&nbsp; Balance of Sub-Account A After Transfer | $99000 |
| &nbsp;&nbsp;&nbsp; Balance of Sub-Account B After Transfer | $101000 |

---

---

| | |
|:---|:---|
| <sup>•</sup> | **Portfolio Rebalancing -** If you select our Portfolio Rebalancing Program, at no additional charge, we will automatically rebalance the Policy Value in each Sub-Account and return it to the desired percentage allocations each quarter. We will not include money you allocate to the Fixed Account in the Portfolio Rebalancing Program. See "<u>[Transfers - Portfolio Rebalancing](#pro75976_56)</u>". In this example, the owner decides to allocate $100,000 across 3 funds, 60% to Fund A, 25% to Fund B and 15% to Fund C. The owner rebalances on an annual basis. One year after $100,000 is invested in three different portfolio companies, Fund A grew 22%, Fund B grew 9% and the Fund C grew 4%.  |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Original Allocation Fund** | **Original Allocation Fund** | **Performance<br>Year End** | **Allocation Prior to<br>Rebalance** | **Allocation Prior to<br>Rebalance** | **Year End Allocation After<br>Rebalance** | **Year End Allocation After<br>Rebalance** |
| &nbsp;&nbsp;&nbsp; **Fund A** | 60% | $60000.00 | 22% | 63.1% | $73200.00 | 60% | $69630.00 |
| &nbsp;&nbsp;&nbsp; **Fund B** | 25% | $25000.00 | 9% | 23.5% | $27250.00 | 25% | $29012.50 |
| &nbsp;&nbsp;&nbsp; **Fund C** | 15% | $15000.00 | 4% | 13.4% | $15600.00 | 15% | $17407.50 |
| &nbsp;&nbsp;&nbsp; **Total** | **100%** | **$100000.00** |  | **100.0%** | **$116050.00** | **100%** | **$116050.00** |

---

At the end of one year, the percentage of funds allocated to Fund A changed from 60% to 63.1%. Fund B changed from 25% to 23.5% and Fund C changed from 15% to 13.4%. The auto-rebalance feature rebalances the Sub-Accounts within the Separate Account to reflect the specified allocation. The number of units for each Sub-Account are adjusted to reflect the specified allocation percentages. The rebalanced allocation reflects the specified allocations of 60% in Fund A, 25% in Fund B and 15% in Fund C.

**Settlement Options** 

We pay the surrender proceeds or Death Benefit proceeds under the Policy in one sum or under one of the settlement options that we then offer. The one sum payment may be paid in a single payment or deposited to an interest bearing account, if available. You may request settlement option by notifying us in writing at the address given on the first page of this Prospectus. We transfer to our Fixed Account any amount placed under a settlement option, which will not be affected thereafter by the investment performance of the Separate Account. We do not permit surrenders or partial withdrawals after payment under a settlement option commences.

The amount applied to a settlement option must include at least $5,000 of Policy Value and result in installment payments of not less than $50. When the proceeds are payable, we inform you concerning the rate of interest we credit to funds left with us. We guarantee that the rate of interest will be at least 3%. We may pay interest in excess of the guaranteed rate. We currently offer the five settlement options described below:

<u>Option A — Interest.</u> We hold the proceeds, credit interest to them and pay out the funds when the person entitled to them requests.

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<u>Option B — Fixed Payments.</u> We pay a selected monthly income until the proceeds, and any interest credits, are exhausted. If the payee dies before the end of the guarantee period, we continue payments to a successor payee until the end of the guarantee period.

<u>Option C — Life Income Guaranteed Period Certain.</u> We pay the proceeds in a monthly income for the longer of the payee's life or the selected guarantee period of between five and twenty years. We make monthly payments for at least as long as the guarantee period selected. If the payee dies before the end of the guarantee period, we continue payments to a successor payee until the end of the guarantee period. If the payee dies after the end of the guarantee period, we stop payments when the payee dies. This settlement option is not available if settlement is to a non-natural Owner or non-natural Beneficiary.

<u>Option D — Joint and Survivor.</u> We pay the proceeds in a monthly income to two payees for as long as either payee is alive. Payments stop when both payees have died. It is possible for the payees to receive only one payment, if both payees die before the second payment is due. This settlement option is not available if settlement is to a non-natural Owner or non-natural Beneficiary.

<u>Option E — Period Certain.</u> We pay the proceeds in monthly installments for a specified number of years, from five to twenty- five years. If the payee dies before the end of the specified period, we pay the remaining guaranteed payments to a successor payee.

In addition, we may agree to other settlement option plans. Write or call us to obtain information about them.

You may request that the proceeds of the Policy be paid under a settlement option by submitting a request to us in writing before the death of the Insured. If at the time of the Insured's death, no settlement option is in effect, the Beneficiary may choose a settlement option after the Death Benefit is payable and before it is paid. If you change the Beneficiary, the existing choice of settlement option becomes invalid and you may either notify us that you wish to continue the pre-existing choice of settlement option or select a new one.

**Making Withdrawals: Accessing the Money in Your Policy** 

**Surrender.** While your Policy is inforce, you may surrender the Policy. Your Policy and all riders terminate on the day we receive your written request, or the surrender effective date requested by you, whichever is later. The Net Surrender Value equals the Policy Value, minus the surrender charge, minus any Policy Debt. Upon surrender, we pay you the Net Surrender Value determined as of the day we receive your written request. We ordinarily pay you the Net Surrender Value of the Policy within seven days of our receiving your complete written request or on the effective surrender date you request, whichever is later. We may, however, postpone payment in the circumstances described in the "<u>[Policy Value - Postponement of Payments](#pro75976_72)</u>" section. The Policy cannot be reinstated once it is surrendered. You may receive the surrender proceeds in a single payment or under any of the settlement options we offer. We have set forth the tax consequences of surrendering the Policy in "<u>[Federal Taxes](#pro75976_102)</u>".

**Partial Withdrawal.** While the Policy is in force after the first Policy Year, you may receive a portion of the Net Surrender Value by making a partial withdrawal from your Policy. The minimum partial withdrawal amount is $500. You may not withdraw an amount that would reduce the Net Surrender Value below $500 or reduce the Face Amount below $25,000. We deduct a partial withdrawal service fee of $10 from your withdrawal proceeds.

We subtract the amount withdrawn from your Policy Value. You may specify how much of your partial withdrawal you wish taken from each Sub-Account or from the Fixed Account. You may not withdraw from the Fixed Account more than the total withdrawal amount times the ratio of the Fixed Account to your total Policy Value immediately before the withdrawal.

You must request the partial withdrawal in writing. Your request is effective on the date received. We may, however, postpone payment in the circumstances described in the "<u>[Policy Value - Postponement of Payments](#pro75976_72)</u>" section. Before we pay any partial withdrawal, you must provide us with a completed withholding form.

**Effect on Face Amount.** If you have selected Death Benefit Option 1, a partial withdrawal reduces the Face Amount of your Policy as well as the Policy Value. We reduce the Face Amount by the amount of the partial

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withdrawal. The Face Amount after a partial withdrawal may not be less than $25,000. If you have previously increased the Face Amount of your Policy, your partial withdrawals first reduce the Face Amount of the most recent increase, then the most recent increases successively, then the coverage under the original Policy.

Under Option 2, a reduction in Policy Value as a result of a partial withdrawal typically results in a dollar for dollar reduction in the Death Benefit proceeds payable under the Policy.

**Tax Consequences**. The tax consequences of partial withdrawals are discussed in "<u>[Federal Taxes](#pro75976_102)</u>" below.

**Policy Loans** 

**General.** While the Policy is in force, you may borrow money from us using the Policy as the only security for your loan. Loans have priority over the claims of any assignee or any other person. The maximum amount available for Policy Loans is 90% of the Surrender Value of your Policy at the end of the Valuation Period in which we receive your loan request. Outstanding Policy Loans and loan interest reduce the amount you may request. In addition, if you have named an irrevocable Beneficiary, you must also obtain his or her written consent before we make a Policy Loan to you.

We ordinarily disburse your loan to you within seven days after we receive your loan request at our home office. We may, however, postpone payment in the circumstances described above in "<u>[Postponement of Payments](#pro75976_72)</u>."

When we make a Policy loan to you, we transfer to the Loan Account a portion of the Policy Value equal to the loan amount. We also transfer in this manner Policy Value equal to any due and unpaid loan interest. Loan amounts are transferred from the Separate Account and the Fixed Account to the Loan Account in the same allocation percentages as specified for premium payments. However, we do not withdraw amounts from the Fixed Account equaling more than the total loan multiplied by the ratio of the Fixed Account to the Policy Value immediately preceding the loan. If this is the case, the transfers from the Separate Account will be increased proportionately based on the premium allocation percentages without the Fixed Account. The amounts allocated to the Loan Account are credited with interest at the Loan Credited Rate stated in your Policy.

**Loan Interest.** Interest on Policy loans accrues daily and is due at the end of each Policy Year. If you do not pay the interest on a Policy loan when due, the unpaid interest becomes part of the Policy loan and accrues interest at the same rate. In addition, we transfer the difference between the values of the Loan Account and the Policy Debt on a pro-rata basis from the Sub-Accounts and the Fixed Account to the Loan Account.

You may borrow an amount equal to your Policy Value, less all Premiums paid, as a preferred loan. The interest rate charged for preferred loans is 4.0% per year. A standard loan is the amount that may be borrowed from the sum of Premiums paid. All non- preferred loans will be treated as a standard loan. The interest rate charged for standard loans is currently 5.0% per year.

Upon expiration of the initial surrender charge period, all new and existing loans will be treated as preferred loans. The initial surrender charge period expires when the surrender charge amount becomes zero as shown on the Policy Data pages of your policy.

**Loan Repayment.** While the Policy remains inforce, you may repay the Policy loan in whole or in part without any penalty at any time while the Insured is living. Your Safety Net Premium guarantee will be in effect as long as your total Premiums paid (as reduced to reflect withdrawals and Policy Debt) at least equals the sum of monthly Safety Net Premiums on or before the Safety Net Premium guarantee expiry date shown in your Policy. If the Safety Net Premium guarantee is in effect, your Policy will not lapse. If you have a Policy loan outstanding, we assume that any payment we receive from you is to be applied as Premium to your Policy Value, unless you tell us to treat your payment as a loan repayment. If you designate a payment as a loan repayment or interest payments, your payment is allocated among the Sub-Accounts and the Fixed Account using the same percentages used to allocate Net Premiums. An amount equal to the payment is deducted from the Loan Account.

If the total outstanding loan(s) and loan interest exceeds the Surrender Value of your Policy, and the Safety Net premium guarantee is not in effect, we notify you and any assignee in writing. To keep the Policy in force, we

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require you to pay a Premium sufficient to keep the Policy inforce for at least three more months. If you do not pay us sufficient Premium within the 61-day Grace Period, your Policy lapses and terminates without value. As explained in the section entitled "<u>[How Your Policy Can Lapse](#pro75976_97)</u>", you may subsequently reinstate the Policy by either repayment or reimbursement of any Policy Debt that was outstanding at the end of the Grace Period. If your Policy lapses while a Policy loan is outstanding, you may owe taxes or suffer other adverse tax consequences even if you subsequently reinstate the Policy. Please consult a tax advisor for details.

**Pre-Existing Loan.** If you have a loan with another insurance company, and you are terminating that policy to buy one from us, usually you would repay the old loan during the process of surrendering the old policy. Income taxes on the interest earned may be due. We permit you to carry this old loan over to your new Policy through a Tax Code Section 1035 tax-free exchange, up to certain limits. The use of a Section 1035 tax-free exchange may avoid any current income tax liability that would be due if the old loan was extinguished.

If you transfer a Policy Loan from another insurer as part of Section 1035 tax-free exchange, we treat a loan of up to 20% of your Policy Value as a preferred loan. If the amount due is more than 20% of your Policy Value, we treat the excess as a standard loan. The treatment of transferred Policy Loans is illustrated in the following example:

---

| | |
|:---|:---|
|  Transferred Policy Value | $190000 |
|  Transferred Policy Loan | $40000 |
|  Surrender Value | $150000 |
|  20% of Policy Value | $38000 |
|  Preferred Loan | $38000 |
|  Standard Loan | $2000 |

---

Upon expiration of the initial surrender charge period, all new and existing loans will be treated as preferred loans.

**Effect on Policy Value.** A Policy loan, whether or not repaid, has a permanent effect on the Policy Value because the investment results of each Sub-Account and the Fixed Account apply only to the amount remaining in that account. The longer a loan is outstanding, the greater the effect is likely to be. The effect could be favorable or unfavorable. If the Sub-Accounts and/or Fixed Account earn more than the annual interest rate for amounts held in the Loan Account, your Policy Value does not increase as rapidly as it would if you had not taken a Policy loan. However, if the Sub-Accounts or the Fixed Account or both earn less than that rate, then your Policy Value is greater than it would have been if you had not taken a Policy loan. The combination of an increasing loan balance, deductions for Policy charges and fees, and unfavorable investment performance may cause the Policy to lapse, triggering ordinary income taxation on the outstanding loan balance to the extent it exceeds your cost basis in the Policy. If eligible, you may be able to elect the Overloan Protection Rider, which converts the Policy to a paid-up policy, which would prevent the Policy from lapsing. (See "<u>[Other Benefits Available Under the Policy - Overloan Protection Rider](#pro75976_81)</u>".) Also, if you do not repay a Policy loan, total outstanding Policy Debt is subtracted from the Death Benefit and Surrender Value otherwise payable.

**How Your Policy Can Lapse** 

**Lapse.** If the Net Surrender Value is less than the Monthly Deduction due on a Monthly Activity Day and the Safety Net Premium is not in effect, your Policy may lapse. Your Safety Net Premium guarantee will be in effect as long as your total Premiums paid (as reduced to reflect withdrawals and Policy Debt) at least equals the sum of monthly Safety Net Premiums on or before the Safety Net Premium guarantee expiry date shown in your Policy. If the Safety Net Premium guarantee is in effect, your Policy will not lapse. We give you a 61-day Grace Period in which to pay an adequate amount of additional Premium to keep the Policy inforce after the end of the Grace Period. Additional premium may be paid during the Grace Period to assure the Safety Net Premium guarantee (if in force).

At least 61 days before the end of the Grace Period, we will send you a notice that your Policy will lapse as of a certain date and additional Premiums are necessary to keep the Policy inforce.

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The Policy continues in effect through the Grace Period. If the Insured dies during the Grace Period, we pay a Death Benefit in accordance with your instructions. However, we reduce the proceeds by an amount equal to Monthly Deduction(s) due and unpaid. If you do not pay us the amount shown in the notice before the end of the Grace Period, your Policy ends at the end of the Grace Period.

**Effect of Lapse.** Your Policy could terminate if the value of your Policy becomes too low to support the Policy's monthly charges and the Safety Net Premium feature is not in effect. You will then have a 61-day Grace Period to pay additional amounts to prevent your Policy from terminating. If such amounts are not received, your Policy will terminate, with no Death Benefit or any other coverage under your Policy. If you have any outstanding Policy loans when your Policy lapses, you may have taxable income as a result.

**Reinstatement.** If the Policy lapses, you may apply for reinstatement by paying to us the reinstatement Premium and any applicable charges required under the Policy. You must request reinstatement within five years of the date the Policy entered a Grace Period. The reinstatement Premium equals an amount sufficient to (1) cover all unpaid Monthly Deductions for the Grace Period, and (2) keep your Policy in force for three months. If a Policy loan was outstanding at the time of your Policy's lapse, you must either repay or reinstate the loan before we reinstate your Policy. In addition, we may require you to provide evidence of insurability satisfactory to us. The Face Amount upon reinstatement cannot exceed the Face Amount of your Policy at its lapse. The Policy Value on the reinstatement date reflects the Policy Value at the time of termination of the Policy plus the Premium paid at the time of reinstatement. All Policy charges continue to be based on your original Issue Date.

The Safety Net will apply upon reinstatement if the Safety Net Premium guarantee expiry date has not expired and cumulative premiums received at time of reinstatement exceed the Safety Net Premium times the number of months that coverage was in force, plus three additional Safety Net Premiums.

You cannot reinstate the Policy once it has been surrendered.

**Statements to Policy Owners** 

We will maintain all records relating to the Separate Account and the Sub-Accounts. Each year we will send you a report showing information concerning your Policy transactions in the past year and the current status of your Policy. The report will include information such as the Policy Value as of the end of the current and the prior year, the current Death Benefit, Surrender Value, Policy Debt, partial withdrawals, earnings, Premiums paid, and deductions made since the last annual report. We will also include any information required by state law or regulation. If you ask us, we will send you an additional report at any time. We may charge you up to $25 for this extra report. We will tell you the current charge before we send you the report.

In addition, we will send you the reports required by the 1940 Act. We will mail you confirmation notices or other appropriate notices of Policy transactions quarterly or more frequently if required by law. You should therefore give us prompt written notice of any address change. You should read your statements and confirmations carefully and verify their accuracy. You should contact us promptly with any questions.

**Federal Taxes** 

**Introduction.** The following discussion is general and is not intended as tax advice. Wilton Reassurance Life Company of New York makes no guarantee regarding the tax treatment of any policy or transaction involving a policy. Federal, state, local and other tax consequences of ownership or purchase of a life insurance policy depend upon your circumstances. Our general discussion of the tax treatment of this policy is based on our understanding of federal income tax laws as they are currently interpreted. A detailed description of all federal income tax consequences regarding the purchase of this policy cannot be made in the Prospectus. For detailed information, you should consult with a qualified tax adviser familiar with your situation. If you are concerned about any tax consequences with regard to your individual circumstances, you should consult a qualified tax adviser.

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**Taxation of the Company and the Separate Account.** Wilton Reassurance Life Company of New York is taxed as a life insurance company under Part I of Subchapter L of the Tax Code. The Separate Account is not an entity separate from Wilton Reassurance Life Company of New York and its operations form a part of Wilton Reassurance Life Company of New York . Therefore, the Separate Account is not taxed separately as a "Regulated Investment Company" under Subchapter M of the Tax Code. Investment income and realized capital gains are automatically applied to increase reserves under the Policies to the extent permitted by federal tax law. Under current federal tax law, Wilton Reassurance Life Company of New York believes that the Separate Account investment income and realized net capital gains will not be taxed to the extent that such income and gains are applied to increase the reserves under the Policies. Generally, reserves are amounts that Wilton Reassurance Life Company of New York is legally required to accumulate and maintain in order to meet future obligations under the Policies. Wilton Reassurance Life Company of New York does not anticipate that it will incur any federal income tax liability attributable to the Separate Account. Therefore, we do not intend to make provisions for any such taxes. If we incur tax associated with a Separate Account, then we may impose a charge against the Separate Account in order to make provisions for any such taxes.

**Taxation of Policy Benefits.** In order to qualify as a life insurance policy for federal income tax purposes, the policy must meet the definition of a life insurance policy set forth in Section 7702 of the Tax Code. Section 7702 limits the amount of premiums that may be invested in a policy that qualifies as life insurance. The policy is structured to meet the Section 7702 definition of a life insurance policy. This means that the Death Benefit is generally excluded from the Beneficiary's gross income under Section 101(a) of the Tax Code and you are generally not taxed on increases in the Policy Value until a distribution occurs. The death benefit of a life insurance policy that was transferred for value may be subject to ordinary income taxes.

If the Death Benefit is not received in one sum and is, instead, applied under one of the settlement options, payments generally will be prorated between amounts attributable to the Death Benefit, which will generally be excludable from the Beneficiary's income, and amounts attributable to earnings on that income (occurring after the Insured's death), which will be includable in the Beneficiary's income.

If a policy fails to qualify as life insurance under Section 7702, the policy will not provide any of the tax advantages normally provided by life insurance. Wilton Reassurance Life Company of New York has the right to amend the Policies to comply with any future changes in the Tax Code, any regulations or rulings under the Tax Code and any other requirements imposed by the Internal Revenue Service.

If you surrender the policy, you are subject to income tax on the portion of the distribution that exceeds the investment in the policy. The investment in the policy is the gross Premium paid for the policy minus any amounts previously received from the policy if such amounts were properly excluded from your gross income. If your policy is not a Modified Endowment Contract, Policy loans are not treated as taxable distributions. Interest paid on a Policy loan is generally not deductible. You are generally taxed on partial withdrawals to the extent the amount distributed exceeds the investment in the policy. In certain situations, partial withdrawals or reduction in benefits during the first fifteen years of the policy may result in a taxable distribution before the investment in the policy is recovered even if the policy is not a Modified Endowment Contract. Withdrawals and loans from Modified Endowment Contracts are subject to less favorable tax treatment. Loans, if not repaid, and withdrawals reduce the policy's death benefit and cash value. For an additional discussion of Modified Endowment Contracts, please see "<u>[Federal Taxes - Modified Endowment Contracts](#pro75976_102)</u>".

If you are owner and Insured under the policy, the Death Benefit will be included in your gross estate for federal estate tax purposes. Even if the Insured is not the owner but retains incidents of ownership in the policy, the Death Benefit will also be included in the Insured's gross estate. Examples of incidents of ownership include the right to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Change Beneficiaries,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assign the policy,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Revoke an assignment,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Pledge the policy; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Obtain a Policy loan.

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If you are owner and Insured under the policy, and you transfer all incidents of ownership in the policy, the Death Benefit will be included in your gross estate if you die within three years from the date of the ownership transfer. State and local estate and inheritance taxes may also apply. In addition, certain transfers of the policy or Death Benefit, either during life or at death, to individuals two or more generations below the transferor may be subject to the federal generation skipping transfer tax. This rule also applies if the transfer is to a trust for the benefit of individuals two or more generations below the transferor.

The policy may be used in various arrangements, including nonqualified deferred compensation or salary continuance plans, split dollar insurance plans, executive bonus plans, retiree medical benefit plans and others. The tax consequences of such plans may vary depending on the particular facts and circumstances of each individual arrangement. If you are contemplating the use of a policy in any of these arrangements, you should consult a qualified tax adviser regarding the tax attributes of the particular arrangement. We no longer sell life insurance policies to corporate and self-employed tax-qualified retirement pension and profit sharing plans subject to Section 401.

You should consult with a tax professional to determine the tax implications of an investment in and payments received under the policy.

**Employer Owned Life Insurance (a.k.a. "COLI").** The Pension Reform Act, enacted in 2006, includes provisions affecting the taxation of Death Benefits paid from policies owned by "Employers." Although these policies are commonly referred to as Corporate Owned Life Insurance ("COLI"), the term "Employer" includes any person or non-natural entity such as a partnership, LLC, or corporation, which is engaged in a trade or business. The term Employer also includes a person or entity related to the policyholder under the attribution rules of Tax Code sections 267(b) or 707(b)(1), and any person or entity engaged in a trade or business which is under common control with the policyholder.

Generally, for Policies issued to employers after August 17, 2006, the portion of the Death Benefit in excess of the premiums or other amounts the employer paid for the policy will be treated as income unless:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the insured was an employee within 12 months of death;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• proceeds are paid to the insured's beneficiary;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• proceeds are used to buy back any equity interest owned by the insured at the time of death; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the insured was a "highly compensated employee" or "highly compensated individual."

For purposes of the COLI rules, "highly compensated employees" are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• more than 5% owners;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• directors; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• anyone else in the top 35% of employees ranked by pay.

"Highly compensated individuals" are individuals who are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• more than 10% owners of the value of the stock of the employer;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• one of the five highest paid officers; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• among the highest paid 35% of all employees.

The COLI provision also includes notice and consent requirements, and reporting requirements.

**Modified Endowment Contracts.** A life insurance policy is treated as a "Modified Endowment Contract" under Section 7702A of the Tax Code if it meets the definition of life insurance in Section 7702, but fails the "seven-pay" test of Section 7702A. The seven-pay test limits the amount of premiums that can be paid into the policy before the policy will become a Modified Endowment Contract. We will not accept any Premiums that cause the policy to become a Modified Endowment Contract unless we receive from you a written acknowledgment that the policy will become a Modified Endowment Contract. An exchange under Section 1035 of the Tax Code of a life insurance policy that is not a Modified Endowment Contract will not cause the new policy to be a Modified Endowment Contract if no additional premiums are paid. An exchange under Section 1035 of the Code of a life insurance policy that is a Modified Endowment Contract for a new life insurance policy will always cause the new policy to be a Modified Endowment Contract.

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If your policy is not issued as a Modified Endowment Contract, it can become a Modified Endowment Contract under certain circumstances. If your policy is materially changed at any time, your policy must be tested to determine whether it has become a Modified Endowment Contract. A material change includes certain increases in the policy's death benefit and the addition or increase of certain riders, rate class changes, and certain changes to Death Benefit Options. Your policy will be treated as though it were a new policy on the day the material change takes effect, a new seven-pay limit will be calculated, and a new seven-pay period will begin. Additionally, if the benefits provided by your policy are reduced or certain changes to Death Benefit Options occur during the first 7 years of the policy or during a "seven-pay period", the seven-pay test will be applied as though the policy were initially issued with the reduced benefits. If the cumulative premiums paid into the policy prior to the reduction in benefits are in excess of the seven-pay limit for the reduced benefit, then your policy will become a Modified Endowment Contract.

If a policy is classified as a Modified Endowment Contract, the Death Benefit will still qualify for the exclusion from gross income, and increases in Policy Value are not subject to current taxation unless withdrawn or otherwise accessed. If you receive any amount as a Policy loan (including unpaid interest that is added to the loan balance) from a Modified Endowment Contract, or assign or pledge any part of the value of the policy, such amount is treated as a distribution. Withdrawals and distributions made from a Modified Endowment Contract before the Insured's death are treated as taxable income first, then as recovery of the investment in the policy. The taxable portion of any distribution from a Modified Endowment Contract is subject to an additional 10% penalty tax, except as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• distributions made on or after the date on which the taxpayer attains age
59<sup>1</sup>⁄<sub>2</sub>;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• distributions attributable to the taxpayer's becoming disabled (within the meaning of
Section 72(m)(7) of the Tax Code); or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• any distribution that is part of a series of substantially equal periodic payments (paid not less frequently
than annually) made for the life (or life expectancy) of the taxpayer or the joint lives (or joint life expectancies) of such taxpayer and his or her beneficiary.

All Modified Endowment Contracts that are issued within any calendar year to the same owner by one company or its affiliates shall be treated as one Modified Endowment Contract in determining the taxable portion of any distributions from any of the Policies required to be aggregated. In addition, distributions from a policy within two years before it becomes a Modified Endowment Contract may be taxed as distributions from a Modified Endowment Contract. This means that a distribution made from a policy that is not a Modified Endowment Contract could later become taxable as a distribution from a Modified Endowment Contract.

**Income Tax Withholding.** Generally, Wilton Reassurance Life Company of New York is required to withhold federal income tax at a rate of 10% from taxable distributions. The customer may elect out of withholding by completing and signing a withholding election form. If no election is made, we will automatically withhold the required 10% of the taxable amount. In certain states, if there is federal withholding, then state withholding is also mandatory. Election out of withholding is valid only if the customer provides a U.S. residence address and taxpayer identification number.

Generally, code Section 1441 provides that Wilton Reassurance Life Company of New York , as a withholding agent, must withhold 30% of the taxable amounts paid to a non-resident alien not subject to FATCA. Certain payees may be subject to the Foreign Accounts Tax Compliance Act ("FATCA") which would require 30% mandatory withholding for certain entities. Please see your personal tax adviser for additional information regarding FATCA. A non-resident alien is someone other than a U.S. citizen or resident alien. We require an original IRS Form W-8 to certify the owners' foreign status. Withholding on taxable distributions may be reduced or eliminated if covered by an income tax treaty between the United States and the non-resident alien's country of residence. The United States does not have a tax treaty with all countries nor do all tax treaties provide an exclusion or lower withholding rate for taxable life insurance distributions. In addition, you may be subject to taxes imposed by your country of citizenship or residence. Consult with a qualified tax advisor regarding U.S. and foreign taxation with respect to a life insurance policy.

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**Diversification Requirements.** For a policy to qualify as a variable life insurance policy for federal tax purposes, the investments in the Separate Account must be "adequately diversified" consistent with standards under Treasury Department regulations. If the investments in the Separate Account are not adequately diversified, the policy will not be treated as a variable life insurance policy for federal income tax purposes. As a result, you will be taxed on the excess of the Policy Value over the investment in the policy. Although Wilton Reassurance Life Company of New York does not have control over the Portfolio Companies or their investments, we expect the Portfolio Companies to meet the diversification requirements.

**Ownership Treatment.** In certain circumstances, owners of variable life insurance contracts have been considered for Federal income tax purposes to be the owners of the assets of the variable account supporting their contracts due to their ability to exercise investment control over those assets. Where this is the case, the contract owners have been currently taxed on income and gains attributable to the variable account assets. There is little guidance in this area, and some features of the Policies, such as the flexibility to allocate premiums and cash values, have not been explicitly addressed in published rulings. While we believe that the Policy does not give you investment control over Separate Account assets, we reserve the right to modify the Policies as necessary to prevent a policyowner from being treated as the owner of the Separate Account assets supporting the Policy.

**Generation-Skipping Transfer Tax.** The transfer of the policy or designation of a beneficiary may have federal, state, and/or local transfer and inheritance tax consequences, including the imposition of gift, estate, and generation-skipping transfer taxes. For example, the transfer of the policy to, or the designation as a Beneficiary of, or the payment of proceeds to, a person who is assigned to a generation which is two or more generations below the generation assignment of the owner may have generation skipping transfer tax consequences under federal tax law. The individual situation of each Policy Owner or Beneficiary will determine the extent, if any, to which federal, state, and local transfer and inheritance taxes may be imposed and how ownership or receipt of policy proceeds will be treated for purposes of federal, state and local estate, inheritance, generation skipping and other taxes.

Under certain circumstances, the Tax Code may impose a generation-skipping transfer ("GST") tax when all or part of a life policy is transferred to, or a death benefit is paid to, an individual two or more generations younger than the Owner. Regulations issued under the Tax Code may require us to deduct the tax from your policy, or from any applicable payment, and pay it directly to the IRS.

The potential application of these taxes underscores the importance of seeking guidance from a qualified adviser to help ensure that your estate plan adequately addresses your needs and those of your beneficiaries under all possible scenarios.

**Reportable Policy Sale and Transfers of Ownership to Foreign Owners.** The Tax Cuts and Jobs Act of 2017 included additional reporting requirements for any Reportable Policy Sale occurring after December 31, 2017. A Reportable Policy Sale occurs when a person (buyer) acquires, directly or indirectly, a life insurance policy or any interest in such a policy with no substantial family, business, or financial relationship with the insured. The buyer is required to provide us with information related to the Reportable Policy Sale to ensure proper reporting on an IRS Form 1099-LS. Upon notification of a Reportable Policy Sale, we have an information reporting obligation to file an IRS Form 1099-SB including the seller's investment in the life policy and the surrender value of the life insurance policy as of the date of sale. The Tax Cuts and Jobs Act of 2017 also modified the transfer for value rules. The potential application of these requirements underscores the importance of seeking guidance from a qualified adviser before entering into a Reportable Policy Sale. At time of death claim, the death benefits from these life insurance policies that are identified as Reportable Policy Sale policies are required to be reported on an IRS Form 1099-R as a Reportable Death Benefit under Section 6050Y. A Transfer of Ownership to a Foreign Owner requires us to file an IRS Form 1099-SB with the transferor's investment in the life policy and the surrender value of the life insurance policy as of the date of transfer. A Foreign Owner is a person or entity that cannot provide us an IRS Form W-9 certifying they are a US citizen or resident alien. We require an original IRS Form W-8 to certify the owner's foreign status.

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**Medicare Tax on Investment Income.** The Patient Protection and Affordable Care Act, enacted in 2010, included a Medicare tax on investment income. This tax assesses a 3.8% surtax on the lesser of (1) net investment income or (2) the excess of "modified adjusted gross income" over a threshold amount. The "threshold amount" is $250,000 for married taxpayers filing jointly, $125,000 for married taxpayers filing separately, $200,000 for single taxpayers, and approximately $16,000 for estates and certain trusts. The taxable portion of payments received under the policy will be considered investment income for purposes of this surtax. You should consult a tax adviser about the impact of this tax on distributions from the policy.

**Legal Proceedings** 

There are no pending material legal proceedings to which the Separate Account or principal underwriter is a party. Wilton Reassurance Life Company of New York is engaged in routine lawsuits, which, in our management's judgment, are not of material importance to its respective total assets or material with respect to the Separate Account.

**Legal Matters** 

All matters of New York law pertaining to the Policy, including the validity of the Policy and our right to issue the Policy under New York law, have been passed upon by Jaime Merritt, Assistant Secretary of Wilton Reassurance Life Company of New York.

**Financial Statements** 

The statement of net assets of each of the Sub-Accounts of Wilton Reassurance Life Co of New York Variable Life Separate Account A as of December 31, 2025, the related statement of operations for the year (or period during the year) then ended, the statements of changes in net assets for each of the two years (or periods during the two years) ended December 31, 2025, and the financial highlights for each of the five years (or periods during the five years) ended December 31, 2025, appear in the Statement of Additional Information. The statutory-basis financial statements of Wilton Reassurance Life Company of New York as of December 31, 2025 and 2024, and for each of the three years in the period ended December 31, 2025, are incorporated herein from Wilton Reassurance Life Company of New York's <u>[Post-Effective Amendment No. 2 to Form N-4 SEC File No. 333-278375](http://www.sec.gov/Archives/edgar/data/1553899/000113322826005661/wm-efp23951_485bpos.htm)</u> filing dated April 17, 2026. The statutory-basis financial statements of Wilton Reassurance Life Company of New York incorporated herein should be considered only as bearing upon the ability of Wilton Reassurance Life Company of New York to meet its obligations under the Policies.

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**Appendix A: Portfolio Companies Available Under the Policy** 

The following is a list of the Portfolio Companies available under the Policy. 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 <u>https://WRNYaccess.wrli.com/ConsultantProtector.</u> You can also request this information at no cost by calling 1-800-262-1028 or by sending an email request to <u>var.phs.wiltonre@dxc.com.</u>

The current expenses and performance information below reflects 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.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | | | **Average Annual Returns**<br> **(as of 12/31/25)** | **Average Annual Returns**<br> **(as of 12/31/25)** | **Average Annual Returns**<br> **(as of 12/31/25)** |
| <br>&nbsp;&nbsp;&nbsp;**Investment Objective** | <br>**Portfolio Company and Adviser/Subadvisor** | <br>**Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| &nbsp;&nbsp;&nbsp;Seeks to replicate as closely as possible before deduction of expenses, performance of the S&P 500 Index which emphasizes stocks of large U.S. companies. | DWS Equity 500 Index VIP – Class A<br> **DWS Investment Management Americas Inc.**<br> **(Subadviser Northern Trust Investments, Inc.)** | 0.25 \* | 17.63% | 14.13% | 14.52% |
| &nbsp;&nbsp;&nbsp;Seeks to maximize income while maintaining prospects for capital appreciation. | DWS Global Income Builder VIP – Class A<br> **DWS Investment Management Americas Inc.** | 0.61 | 15.80% | 6.49% | 7.43% |
| &nbsp;&nbsp;&nbsp;Seeks to replicate as closely as possible before deduction of expenses, the performance of the Russell 2000 Index which emphasizes stocks of small U.S. companies. | DWS Small Cap Index VIP – Class A<br> **DWS Investment Management Americas Inc.**<br> **(Subadviser Northern Trust Investments, Inc.)** | 0.37 \* | 12.64% | 5.84% | 9.33% |
| &nbsp;&nbsp;&nbsp;The fund seeks capital growth. | Invesco V.I. American Franchise Fund - Series I<br> **Invesco Advisers, Inc.** | 0.85 | 11.67% | 10.35% | 14.87% |
| &nbsp;&nbsp;&nbsp;Long-term capital appreciation. | Invesco V.I. American Value Fund - Series I<br> **Invesco Advisers, Inc.** | 0.89 | 21.00% | 17.85% | 12.29% |
| &nbsp;&nbsp;&nbsp;Long-term growth of capital. | Invesco V.I. Core Equity Fund - Series I<br> **Invesco Advisers, Inc.** | 0.80 | 16.17% | 12.81% | 11.73% |
| &nbsp;&nbsp;&nbsp;The fund seeks capital appreciation. | Invesco V.I. Discovery Mid Cap Growth Fund - Series I<br> **Invesco Advisers, Inc.** | 0.86 | 4.79% | 3.90% | 11.38% |
| &nbsp;&nbsp;&nbsp;The fund seeks capital appreciation. | Invesco V.I. Global Fund - Series II<br> **Invesco Advisers, Inc.** | 1.06 | 15.02% | 7.01% | 10.72% |
| &nbsp;&nbsp;&nbsp;Total return, comprised of current income and capital appreciation. | Invesco V.I. High Yield Fund - Series I<br> **Invesco Advisers, Inc.** | 0.92 | 6.73% | 3.64% | 4.83% |
| &nbsp;&nbsp;&nbsp;The fund seeks capital appreciation. | Invesco V.I. International Growth Fund - Series I<br> **Invesco Advisers, Inc.** | 1.00 \* | 16.32% | 2.15% | 5.64% |
| &nbsp;&nbsp;&nbsp;Long-term growth of capital. | Invesco V.I. Main Street Mid Cap Fund<sup>®</sup> - Series I<br> **Invesco Advisers, Inc.** | 0.94 | 9.19% | 9.11% | 9.35% |
| &nbsp;&nbsp;&nbsp;The fund seeks capital appreciation. | Invesco V.I. Main Street Small Cap Fund<sup>®</sup> – Series I<br> **Invesco Advisers, Inc.** | 0.84 | 8.70% | 8.34% | 10.59% |
| &nbsp;&nbsp;&nbsp;Total return, comprised of current income and capital appreciation. | Invesco V.I. Government Securities Fund - Series I<br> **Invesco Advisers, Inc.** | 0.70 | 7.37% | 0.04% | 1.60% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | | | **Average Annual Returns**<br> **(as of 12/31/25)** | **Average Annual Returns**<br> **(as of 12/31/25)** | **Average Annual Returns**<br> **(as of 12/31/25)** |
| <br>&nbsp;&nbsp;&nbsp;**Investment Objective** | <br>**Portfolio Company and Adviser/Subadvisor** | <br>**Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| &nbsp;&nbsp;&nbsp;Seeks long-term growth of capital and income. | Invesco V.I. Growth and Income Fund - Series I<br> **Invesco Advisers, Inc.** | 0.75 | 15.62% | 12.85% | 10.73% |
| &nbsp;&nbsp;&nbsp;Seeks long-term capital appreciation. | Alger Capital Appreciation Portfolio - Class I-2<br> **Fred Alger Management, LLC** | 0.94 | 32.87% | 16.33% | 18.17% |
| &nbsp;&nbsp;&nbsp;Seeks long-term capital appreciation. | Alger Large Cap Growth Portfolio - Class I-2<br> **Fred Alger Management, LLC** | 0.85 \* | 30.27% | 11.12% | 16.73% |
| &nbsp;&nbsp;&nbsp;Seeks long-term capital appreciation. | Alger Mid Cap Growth Portfolio - Class I-2<br> **Fred Alger Management, LLC** | 0.92 \* | 16.77% | 3.01% | 11.68% |
| &nbsp;&nbsp;&nbsp;Seeks to obtain high total return with reduced risk over the long term by allocating its assets among stocks, bonds, and short-term instruments. | Fidelity<sup>®</sup> VIP Asset Manager 50% Portfolio - Initial Class(1)<br> **Fidelity Management & Research Company (FMR)**<br> **(Subadviser FMR UK, FMR HK and FMR Japan)** | 0.51 \* | 14.98% | 5.67% | 7.13% |
| &nbsp;&nbsp;&nbsp;Seeks long-term capital appreciation. | Fidelity<sup>®</sup> VIP ContrafundSM Portfolio - Initial Class<br> **Fidelity Management & Research Company (FMR)**<br> **(Subadviser FMR UK, FMR HK and FMR Japan)** | 0.54 | 21.52% | 15.37% | 15.78% |
| &nbsp;&nbsp;&nbsp;Seeks reasonable Income. The fund will also consider the potential for capital appreciation. The fund's goal is to achieve a yield which exceeds the composite yield on the securities comprising the S&P 500<sup>®</sup> Index. | Fidelity<sup>®</sup> VIP Equity-Income PortfolioSM - Initial Class<br> **Fidelity Management & Research Company (FMR)**<br> **(Subadviser FMR UK, FMR HK and FMR Japan)** | 0.46 | 19.02% | 12.51% | 11.60% |
| &nbsp;&nbsp;&nbsp;Seeks as high a level of current income as is consistent with preservation of capital and liquidity. | Fidelity<sup>®</sup> VIP Government Money Market Portfolio - Initial Class<br> **Fidelity Management & Research Company (FMR)**<br> **(Subadviser FMR UK, FMR HK and FMR Japan)** | 0.25 | 4.13% | 3.10% | 2.03% |
| &nbsp;&nbsp;&nbsp;Seeks to achieve capital appreciation. | Fidelity<sup>®</sup> VIP Growth Portfolio - Initial Class<br> **Fidelity Management & Research Company (FMR)**<br> **(Subadviser FMR UK, FMR HK and FMR Japan)** | 0.55 | 14.92% | 13.70% | 17.45% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | | | **Average Annual Returns**<br> **(as of 12/31/25)** | **Average Annual Returns**<br> **(as of 12/31/25)** | **Average Annual Returns**<br> **(as of 12/31/25)** |
| <br>&nbsp;&nbsp;&nbsp;**Investment Objective** | <br>**Portfolio Company and Adviser/Subadvisor** | <br>**Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| &nbsp;&nbsp;&nbsp;Seeks investment results that correspond to the total return of common stocks publicly traded in the United States, as represented by the S&P 500<sup>®</sup> Index. | Fidelity<sup>®</sup> VIP Index 500 Portfolio - Initial Class<br> **Fidelity Management & Research Company (FMR)**<br> **(Subadviser Geode Capital Management, LLC (Geode))** | 0.09 | 17.78% | 14.31% | 14.70% |
| &nbsp;&nbsp;&nbsp;Seeks as high a level of current income as is consistent with the preservation of capital. | Fidelity<sup>®</sup> VIP Investment Grade Bond Portfolio - Initial Class<br> **Fidelity Management & Research Company (FMR)**<br> **(Subadviser FMR UK, FMR HK and FMR Japan)** | 0.37 | 7.22% | 0.06% | 2.71% |
| &nbsp;&nbsp;&nbsp;Seeks long-term growth of capital. | Fidelity<sup>®</sup> VIP Overseas Portfolio - Initial Class<br> **Fidelity Management & Research Company (FMR)**<br> **(Subadviser FMR UK, FMR HK, FMR Japan, FIA (UK) and FIJ)** | 0.72 | 20.39% | 6.62% | 7.93% |
| &nbsp;&nbsp;&nbsp;Long-term capital growth, consistent with preservation of capital and balanced by current income. | Janus Henderson Balanced Portfolio - Service Shares<br> **Janus Henderson Investors US LLC** | 0.87 | 14.82% | 8.21% | 9.86% |
| &nbsp;&nbsp;&nbsp;Long-term growth of capital. | Janus Henderson Forty Portfolio - Institutional Shares<br> **Janus Henderson Investors US LLC** | 0.62 | 18.14% | 11.65% | 16.24% |
| &nbsp;&nbsp;&nbsp;Long-term growth of capital. | Janus Henderson Global Research Portfolio – Service Shares<br> **Janus Henderson Investors US LLC** | 1.07 | 20.60% | 12.23% | 12.64% |
| &nbsp;&nbsp;&nbsp;Seeks capital appreciation. | Janus Henderson Mid Cap Value Portfolio – Service Shares<br> **Janus Henderson Investors US LLC** | 1.08 \* | 6.29% | 8.43% | 8.40% |
| &nbsp;&nbsp;&nbsp;Long-term growth of capital. | Janus Henderson Overseas Portfolio - Service Shares<br> **Janus Henderson Investors US LLC** | 0.96 | 28.58% | 9.17% | 8.97% |
| &nbsp;&nbsp;&nbsp;Seeks long-term capital appreciation by investing primarily in growth-oriented equity securities of large capitalization companies. | Morgan Stanley VIF Growth Portfolio - Class I<br> **Morgan Stanley Investment Management Inc.** | 0.57 \* | 35.72% | 3.41% | 17.76% |
| &nbsp;&nbsp;&nbsp;Capital appreciation | Morningstar Growth ETF Asset Allocation Portfolio Class I<br> **ALPS Advisors, Inc.**<br> **(Subadviser Morningstar Investment Management, LLC)** | 0.57 | 18.15% | 9.08% | 9.32% |

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52 PROSPECTUS

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | | | **Average Annual Returns**<br> **(as of 12/31/25)** | **Average Annual Returns**<br> **(as of 12/31/25)** | **Average Annual Returns**<br> **(as of 12/31/25)** |
| <br>&nbsp;&nbsp;&nbsp;**Investment Objective** | <br>**Portfolio Company and Adviser/Subadvisor** | <br>**Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| &nbsp;&nbsp;&nbsp;Seeks long-term capital appreciation. | Lazard Retirement Emerging Markets Equity Portfolio – Service Shares<br> **Lazard Asset Management LLC** | 1.39 | 41.77% | 10.76% | 9.35% |
| &nbsp;&nbsp;&nbsp;Seeks long-term growth of capital as its primary objective. Current income is a secondary objective. Under normal circumstances, the fund invests at least 80% of its net assets in equity securities of companies with large market capitalizations. | LVIP ClearBridge Large Cap Value Fund – Standard Class <br> **Lincoln Financial Investments Corporation**<br> **(Subadviser ClearBridge Investments, LLC)(1)**  | 0.72 \* | 10.20% | 10.11% | 10.01% |
| &nbsp;&nbsp;&nbsp; Seeks to maximize total return. Under normal market conditions, the fund invests at least 80% of its assets in high yield bonds. Under normal<br> circumstances, the fund will be invested in at least three countries (one of which may be the United States). | Western Asset Variable Global High Yield Bond Portfolio - Class I<br> **Franklin Templeton Fund Advisor, LLC**<br> **(Subadviser Western Asset Management Company, LLC; Western Asset Management Company Limited; Western Asset Management Company Ltd.; Western Asset Management Pte. Ltd.)** | 0.81 | 9.96% | 2.56% | 5.33% |
| &nbsp;&nbsp;&nbsp;To seek capital appreciation. | MFS<sup>®</sup> Investors Trust Series - Initial Class<br> **Massachusetts Financial Services Company** | 0.74 \* | 13.57% | 11.33% | 12.49% |
| &nbsp;&nbsp;&nbsp;To seek capital appreciation. | MFS<sup>®</sup> New Discovery Series - Initial Class <br> **Massachusetts Financial Services Company** | 0.87 \* | 12.96% | -<br>0.28% | 10.74% |
| &nbsp;&nbsp;&nbsp;To seek total return. | MFS<sup>®</sup> Total Return Series - Initial Class<br> **Massachusetts Financial Services Company** | 0.61 \* | 11.16% | 6.42% | 7.63% |
| &nbsp;&nbsp;&nbsp;To seek total return. | MFS<sup>®</sup> Utilities Series - Initial Class<br> **Massachusetts Financial Services Company** | 0.78 \* | 15.01% | 7.64% | 9.49% |
| &nbsp;&nbsp;&nbsp;To seek capital appreciation. | MFS<sup>®</sup> Value Series - Initial Class<br> **Massachusetts Financial Services Company** | 0.69 \* | 13.01% | 9.95% | 10.05% |
| &nbsp;&nbsp;&nbsp;To seek total return with an emphasis on high current income, but also considering capital appreciation. | MFS<sup>®</sup> High Yield Portfolio - Initial Class<br> **Massachusetts Financial Services Company** | 0.72 \* | 8.65% | 3.87% | 5.56% |

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53 PROSPECTUS

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---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | | | **Average Annual Returns**<br> **(as of 12/31/25)** | **Average Annual Returns**<br> **(as of 12/31/25)** | **Average Annual Returns**<br> **(as of 12/31/25)** |
| <br>&nbsp;&nbsp;&nbsp;**Investment Objective** | <br>**Portfolio Company and Adviser/Subadvisor** | <br>**Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| &nbsp;&nbsp;&nbsp;To seek capital appreciation. | MFS<sup>®</sup> Massachusetts Investors Growth Stock Portfolio - Initial Class<br> **Massachusetts Financial Services Company** | 0.72 \* | 9.90% | 10.02% | 14.27% |
| &nbsp;&nbsp;&nbsp;Portfolio seeks maximum total return, consistent with preservation of capital and prudent investment management. | PIMCO VIT International Bond Portfolio (U.S. Dollar- Hedged) - Administrative Shares<br> **Pacific Investment Management Company LLC** | 1.09 | 3.95% | 1.03% | 2.88% |
| &nbsp;&nbsp;&nbsp;Portfolio seeks maximum real return, consistent with preservation of real capital and prudent investment management. | PIMCO VIT Real Return Portfolio - Administrative Shares<br> **Pacific Investment Management Company LLC** | 1.39 | 7.85% | 1.21% | 3.21% |
| &nbsp;&nbsp;&nbsp;Portfolio seeks maximum total return, consistent with preservation of capital and prudent investment management. | PIMCO VIT Total Return Portfolio - Administrative Shares<br> **Pacific Investment Management Company LLC** | 0.73 | 8.89% | 0.02% | 2.36% |
| &nbsp;&nbsp;&nbsp;Seeks high current income. Capital growth is a secondary goal when consistent with achieving high current income. | Putnam VT High Yield Fund - Class IA<br> **Franklin Advisers, Inc.**<br> **(Subadvisor Putnam Investment Management, LLC and Putnam Investments Limited)** | 0.71 | 8.86% | 4.28% | 5.94% |
| &nbsp;&nbsp;&nbsp;Seeks capital growth. Current income is a secondary objective. | Putnam VT International Value Fund - Class IA<br> **Putnam Investment Management, LLC**<br> **(Subadvisor Franklin Advisors, Inc., Putnam Investments Limited and The Putnam Advisory Company, LLC)** | 0.81 | 35.07% | 12.77% | 9.13% |
| &nbsp;&nbsp;&nbsp;Long-term capital growth. Income is a secondary objective. | T. Rowe Price Blue Chip Growth Portfolio – I<br> **T. Rowe Price Associates, Inc.** | 0.75 | 18.74% | 11.68% | 15.54% |
| &nbsp;&nbsp;&nbsp;Seeks a high level of dividend income and long-term capital growth primarily through investment in stocks. | T. Rowe Price Equity Income Portfolio – I<br> **T. Rowe Price Associates, Inc.** | 0.74 | 14.36% | 11.17% | 10.51% |
| &nbsp;&nbsp;&nbsp;Seeks long-term capital appreciation by investing primarily in equity securities in emerging markets around the world. | VanEck VIP Emerging Markets Fund - Initial Class<br> **Van Eck Associates Corporation** | 1.30 \* | 29.92% | -0.77% | 5.48% |

---

54 PROSPECTUS

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---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | | | **Average Annual Returns**<br> **(as of 12/31/25)** | **Average Annual Returns**<br> **(as of 12/31/25)** | **Average Annual Returns**<br> **(as of 12/31/25)** |
| <br>&nbsp;&nbsp;&nbsp;**Investment Objective** | <br>**Portfolio Company and Adviser/Subadvisor** | <br>**Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| &nbsp;&nbsp;&nbsp;Seeks long-term capital appreciation by investing primarily in global resource securities. Income is a secondary consideration. | VanEck VIP Global Resources Fund - Initial Class<br> **Van Eck Associates Corporation** | 1.08 | 36.48% | 10.51% | 8.33% |

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\* The Total Annual Fund Operating Expenses reflect a temporary expense reimbursement or fee waiver arrangement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Effective April 24, 2026, ClearBridge Variable Large Cap Value Portfolio - Class I was renamed LVIP
ClearBridge Large Cap Value Fund - Standard Class.

55 PROSPECTUS

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We have filed a Statement of Additional Information, dated May 1, 2026, with the Securities and Exchange Commission ("SEC"). It contains additional important information about the Policies, the Separate Account and Wilton New York, and is incorporated herein by reference, which means that it is legally a part of this prospectus. For a free copy, please write to us at P.O. Box 4272, Clinton, IA 52733-4272 or call us at 1-800-262-1028. You may also contact us at the same number to request other information about the Policy and to make investor inquiries.

SEC reports and other information about the Separate Account and Wilton New York are also available to the public at the SEC's website at <u>http://www.sec.gov</u>. Copies of any of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: <u>publicinfo@sec.gov.</u>

Edgar Contract Identifier: C000233836

56 PROSPECTUS

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STATEMENT OF ADDITIONAL INFORMATION

May 1, 2026

New Consultant Protector Variable Universal Life

Flexible Premium Variable Universal Life Insurance Policies

REGISTRANT: WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A

("Separate Account")

DEPOSITOR: WILTON REASSURANCE LIFE COMPANY OF NEW YORK

Wilton Reassurance Life Company of New York

Mailing Address

P.O. Box 4272, Clinton, Iowa 52733-4272

1-800-262-1028

This Statement of Additional Information ("SAI") is not a prospectus. Please review the Prospectus dated May 1, 2026, which contains information concerning the Policies described above. You may obtain a copy of the Prospectus without charge by calling us at 1-800-262-1028, going to <u>https://WRNYaccess.wrli.com/ConsultantProtector</u>, or writing to us at the address above.

This Statement of Additional Information uses the same defined terms as the prospectus for the Policies, except as specifically noted.

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**TABLE OF CONTENTS**

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| | |
|:---|:---|
|  [GENERAL INFORMATION AND HISTORY](#sai75976_1) | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Depositor](#sai75976_2) | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Registrant](#sai75976_3) | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Non-Principal Risks of Investing in the Policy](#sai75976_4) | 3 |
|  [ADMINISTRATION](#sai75976_5) | 4 |
|  [PREMIUMS](#sai75976_6) | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Administrative Procedures](#sai75976_7) | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Loan Repayment](#sai75976_8) | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Allocation of Premium Payments](#sai75976_9) | 4 |
|  [UNDERWRITERS](#sai75976_10) | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Principal Underwriter](#sai75976_11) | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Offering and Commissions](#sai75976_12) | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Other Payments](#sai75976_13) | 5 |
|  [EXPERTS](#sai75976_14) | 5 |
|  [FINANCIAL STATEMENTS](#sai75976_15) | 5 |

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GENERAL INFORMATION AND HISTORY

**Depositor** 

**Wilton Reassurance Life Company of New York.** Wilton Reassurance Life Company of New York ("WRNY") is a stock life insurance company organized under the laws of the State of New York. WRNY was incorporated in 1955.

On March 29, 2021, The Allstate Corporation announced it had entered into an agreement to sell Allstate Life Insurance Company of New York to Wilton Reassurance Company (the "Transaction"). The Transaction closed on October 1, 2021. On November 1, 2021 Allstate New York merged into WRNY.

WRNY is currently licensed to operate in all fifty states, the District of Columbia and the U.S. Virgin Islands. The Policies were only offered in New York. Our headquarters is located at 800 Westchester Avenue, Suite 641, North Rye Brook, NY 10573. Our service center is located in Norwalk, Connecticut.

WRNY is a direct wholly-owned subsidiary of Wilton Reassurance Company ("WRAC"), an insurance company incorporated under the laws of the State of Minnesota. WRAC is a wholly-owned subsidiary of Wilton Re US Holdings, Inc., a holding company organized under the laws of Delaware, with the ultimate controlling parent being Wilton Re Ltd.

**Registrant** 

**Wilton Reassurance Life Co of New York Variable Life Separate Account A.** Allstate New York established the Allstate Life of New York Variable Life Separate Account A on December 15, 1995 as a separate account under New York law. In June 2022 the name of the Separate Account was changed to its current name. The Separate Account meets the definition of a "Separate Account" under the federal securities laws and is registered with the Securities and Exchange Commission ("SEC") as a unit investment trust under the Investment Company Act of 1940. The SEC does not supervise the management of the Separate Account or WRNY. As of November 1, 2021, WRNY became the owner of the assets of the Wilton Reassurance Life Co of New York Variable Life Separate Account A. Our principal place of business address is listed above.

**Non-Principal Risks of Investing in the Policy** 

**Cyber Security Risk.** We are at risk for cyber security failures or breaches of our information and processing systems and the systems of our business partners that could have negative impacts on you. These impacts include, but are not limited to, potential financial losses under your Policy, your inability to conduct transactions under your Policy, our inability to calculate your Policy's Values, and the disclosure of your personal or confidential information. Because our variable product business is highly dependent upon the effective operation of our computer systems and those of our business partners, our business is vulnerable to disruptions from utility outages, and susceptible to operational and information security risks resulting from information system failures (e.g. hardware and software malfunctions) and cyber-attacks. These risks include, among other things, the theft, misuse, corruption and destruction of data maintained online or digitally, denial of service attacks on websites and other operational disruption and unauthorized release of confidential customer information. Such system failures and cyber-attacks affecting us, the Portfolios, intermediaries and other affiliated or third party service providers may adversely affect us and your interest in the Policy. For instance, system failures and cyber-attacks may interfere with our processing of Policy transactions, (including the processing of orders from our website or with the Portfolios), impact our ability to calculate Accumulation Unit values, cause the release and possible destruction of confidential customer or business information, subject us and/or our service providers and intermediaries to regulatory fines and financial losses and/or cause reputational damage. Cyber security risks may also affect issuers of securities in which the Portfolios invest, which may cause the Portfolios to lose value. There can be no assurance that we, the Portfolios or our service providers will avoid losses affecting your Policy due to cyber-attacks or information security breaches in the future.

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**Business Continuity Risk.** We are also exposed to risks related to natural and man-made disasters and catastrophes, such as storms, fires, earthquakes, epidemics and terrorist acts, which could adversely affect our ability to administer the Policies. Natural and man-made disasters, such as the recent spread of COVID-19, may require a significant contingent of our employees to work from remote locations. During these periods, we could experience decreased productivity, and a significant number of our workforce or certain key personnel may be unable to fulfill their duties. In addition, system outages could impair our ability to operate effectively by preventing the workforce from working remotely and impair our ability to process Policy-related transactions or to calculate Policy Values.

The Company outsources certain critical business functions to third parties and, in the event of a natural or man-made disaster, relies upon the successful implementation and execution of the business continuity planning of such entities. While the Company closely monitors the business continuity activities of these third parties, successful implementation and execution of their business continuity strategies are largely beyond the Company's control. If one or more of the third parties to whom the Company outsources such critical business functions experience operational failures, the Company's ability to administer the Policy could be impaired.

**Artificial Intelligence Risk** In addition to the cyber security risks described above, the development, adoption and use of AI, including generative artificial intelligence ("Generative AI") may increase existing operational risks or create new operational risks that we are not currently anticipating. The risk that AI and Generative AI may be misused is increased by the relative newness of the technology, the speed at which it is being adopted, and the lack of laws, regulations or standards governing its use. Such misuse could expose the Company to legal or regulatory risk, damage customer relationships or cause reputational harm. Because the Generative AI technology is so new, some of the potential risks of Generative AI are currently unknowable.

ADMINISTRATION

We have primary responsibility for all administration of the Policies and the Variable Account. We entered into a master services agreement with DXC Technology Company ("DXC") whereby, DXC or an affiliate provides administrative services to the Variable Account and the Policies on our behalf. DXC is located at 1775 Tysons Blvd, Tysons, VA 22102. DXC is paid on a per policy transaction related basis.

PREMIUMS

**Administrative Procedures** 

Premiums for this Policy are also referred to as payments. Payments are flexible. This means you may change the amount of planned payments and the time between payments. Payments are payable to us. The amount you pay will affect the Policy Value. If you pay too little, the Policy will lapse subject to the grace period.

**Loan Repayment.** As long as the Policy remains in force, the Policy debt may be repaid in whole or in part without penalty at any time while the Insured is living. You may designate whether a payment to us is a loan payment and/or Premium. Any payment received will be assumed to be paid in accordance with any payment notice we have provided you. If payment is received other than as provided by a payment notice, the payment will be assumed to be a Premium payment. Loan repayments will be returned to the Separate Account.

**Allocation of Premium Payments.** We will invest the net Premium payments in the Fixed Account and the Sub-Accounts you selected on the application. Allocations are made according to the selections you made on the application unless you have changed your allocations in accordance with this provision. Your allocation selections must be in whole percentages from 0% to 100%. The total allocation must equal 100%. You may change your allocation percentages at any time by making a written request in a form satisfactory to us. We will establish a maximum number of Sub-Accounts to which you may allocate net Premium payments.

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All net Premium payments will be allocated to the Fixed Account and the Sub-Accounts as of the valuation date payments are received by us.

UNDERWRITERS

**Principal Underwriter.** Wilton Re Distributors LLC ("WRDL"), serves as principal underwriter of the Policies. WRDL is an affiliate of Wilton Reassurance Life Company of New York. WRDL is a registered broker dealer under the Securities and Exchange Act of 1934, as amended ("Exchange Act"), and is a member of FINRA. The principal business address for WRDL is 4840 N. River Blvd, Cedar Rapids, IA 52411.

Prior to October 1, 2024 the principal underwriter was Everlake Distributors, LLC.

**Offering and Commissions. T**he Policies were offered on a continuous basis until December 31, 2008. The Policies were sold by registered representatives of broker-dealers who were licensed insurance agents, either individually or through an incorporated insurance agency.

The following reflects the aggregate dollar amount of underwriting commissions paid to and kept by WRDL during the last three fiscal years.

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| | | | |
|:---|:---|:---|:---|
|  | 2023 | 2024 | 2025 |
| Commission paid to WRDL that were paid to<br>other broker-dealers and registered<br>representatives | 0.0 | $10048.51 | $50325.32 |
|  Commission kept by WRDL | 0.0 | 0 | 0 |

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**Other Payments.** Pursuant to the underwriting agreement WRNY will reimburse WRDL for expenses incurred in performing its services.

EXPERTS

The financial statements and financial highlights of each of the Sub-Accounts of Wilton Reassurance Life Co of New York Variable Life Separate Account A as of December 31, 2025, for the year (or period during the year) then ended, and for each of the years (or periods during the years) ended December 31, 2025, included in this Statement of Additional Information, have been audited by Deloitte & Touche LLP, an independent registered public accounting firm, as stated in their report. Such financial statements and financial highlights are included in reliance upon the report of such firm given their authority as experts in accounting and auditing.

The statutory-basis financial statements of Wilton Reassurance Life Company of New York, as of December 31, 2025 and 2024, and for each of the three years in the period ended December 31, 2025, incorporated by reference in this Statement of Additional Information, have been audited by Deloitte & Touche LLP, independent auditors, as stated in their report, which expresses an unqualified opinion on the statutory-basis financial statements and an adverse opinion on accounting principles generally accepted in the United States of America. Such financial statements are incorporated by reference in reliance upon the report of such firm given their authority as experts in accounting and auditing.

The principal business address of Deloitte & Touche LLP is 695 East Main Street, Stamford, CT, 06901-2150.

FINANCIAL STATEMENTS

The statement of net assets of each of the Sub-Accounts of Wilton Reassurance Life Co of New York Variable Life Separate Account A as of December 31, 2025, the related statement of operations for the year (or period during the year) then ended, the statements of changes in net assets for each of the two years (or periods during

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the two years) ended December 31, 2025, and the financial highlights for each of the five years (or periods during the five years) ended December 31, 2025, appear in the Statement of Additional Information. The statutory-basis financial statements of Wilton Reassurance Life Company of New York as of December 31, 2025 and 2024, and for each of the three years in the period ended December 31, 2025, are incorporated herein from Wilton Reassurance Life Company of New York's <u>[Post-Effective Amendment No.](http://www.sec.gov/Archives/edgar/data/1553899/000113322826005661/wm-efp23951_485bpos.htm)</u>[<u>2 to Form N-4 SEC File No.</u> <u>333-278375</u>](http://www.sec.gov/Archives/edgar/data/1553899/000113322826005661/wm-efp23951_485bpos.htm) filing dated April 17, 2026. The statutory-basis financial statements of Wilton Reassurance Life Company of New York incorporated herein should be considered only as bearing upon the ability of Wilton Reassurance Life Company of New York to meet its obligations under the Policies.

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| |
|:---|
| ***Wilton Reassurance Life<br>Co of New York Variable<br>Life Separate Account A*** |
| *Financial Statements as of December 31, 2025 and for<br>the Years Ended December 31, 2025 and 2024, and<br>Report of Independent Registered Public Accounting<br>Firm* |

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**REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM** 

To the Board of Directors of Wilton Reassurance Life Co of New York and the policyholders of Wilton Reassurance Life Co of New York Variable Life Separate Account A

**Opinion on the Financial Statements and Financial Highlights** 

We have audited the accompanying statement of net assets of each of the sub-accounts of Wilton Reassurance Life Co of New York Variable Life Separate Account A (the "Account") listed in Note 1 (collectively, the "sub-accounts") as of December 31, 2025, the related statement of operations for the year then ended, statements of changes in net assets for each of the two years in the period then ended, and financial highlights for each of the five years in the period then ended, except for the sub-accounts included in the table below; the related statements of operations, changes in net assets, and financial highlights for the sub-accounts and periods indicated in the table below; and the related notes (collectively referred to as the "financial statements and financial highlights"). In our opinion, the financial statements and financial highlights present fairly, in all material respects, the financial position of each of the sub-accounts as of December 31, 2025, and the results of their operations for the year then ended (or for the period listed in the table below), the changes in their net assets for each of the two years in the period then ended (or for the periods listed in the table below), and the financial highlights for each of the five years in the period then ended (or for the periods listed in the table below), in conformity with accounting principles generally accepted in the United States of America.

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Sub-Account** | **Statement of Operations** | **Statements of Changes in Net<br>Assets** | **Financial Highlights** |
| &nbsp;&nbsp;&nbsp;Invesco V.I. Core Plus Bond Fund - Series I | For the year ended December 31, 2025 | For the two years ended December 31, 2025 | For the years ended December 31, 2025, 2024 and 2023 and period from April 29, 2022 (commencement of operations) to December 31, 2022 |
| &nbsp;&nbsp;&nbsp;Invesco V.I. Equity and Income Fund - Series I | For the year ended December 31, 2025 | For the year ended December 31, 2025 and period from April 25, 2024 (commencement of operations) to December 31, 2024 | For the year ended December 31, 2025 and<br> period from April 25, 2024 (commencement of operations) to December 31, 2024 |

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**Basis for Opinion** 

These financial statements and financial highlights are the responsibility of the Account's management. Our responsibility is to express an opinion on the Account's financial statements and financial highlights based on our audits. We are a public accounting firm registered with the Public Company Accounting Oversight Board (United States) (PCAOB) and are required to be independent with respect to the Account in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.

We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements and financial highlights are free of material misstatement, whether due to error or fraud. The Account is not required to have, nor were we engaged to perform, an audit of its internal control over financial reporting. As part of our audits we are required to obtain an understanding of internal control over financial reporting but not for the purpose of expressing an opinion on the effectiveness of the Account's internal control over financial reporting. Accordingly, we express no such opinion.

Our audits included performing procedures to assess the risks of material misstatement of the financial statements and financial highlights, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements and financial highlights. Our audits also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the financial statements and financial highlights. Our procedures included confirmation of securities owned as of December 31, 2025, by correspondence with the Account's fund managers. We believe that our audits provide a reasonable basis for our opinion.

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/s/ Deloitte & Touche LLP

Stamford, Connecticut

April 7, 2026

We have served as the auditor of Wilton Reassurance Life Co of New York Variable Life Separate Account A since 2002.

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**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF NET ASSETS** 

**As of December 31, 2025** 

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | AB VPS<br>Discovery Value<br>Portfolio -<br>Class A | AB VPS<br>International<br>Value<br>Class A | AB VPS<br>Relative Value<br>Portfolio -<br>Class A | AB VPS<br>Small Cap<br>Growth<br>Class A | Alger<br>Balanced<br>Class I-2 | Alger<br>Capital<br>Appreciation<br>Class I-2 |
|  **ASSETS** |  |  |  |  |  |  |
|  Investments, at fair value | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3937 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10714 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;32373 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;27920 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;31624 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;762760 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total assets | $3937 | $10714 | $32373 | $27920 | $31624 | $762760 |
|  **NET ASSETS** |  |  |  |  |  |  |
|  Accumulation units | $3937 | $10714 | $32373 | $27920 | $31624 | $762760 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total net assets | $3937 | $10714 | $32373 | $27920 | $31624 | $762760 |
|  **FUND SHARE INFORMATION** |  |  |  |  |  |  |
|  Number of shares | 237 | 512 | 1020 | 2096 | 1402 | 5920 |
|  Cost of investments | $4182 | $7297 | $29939 | $30292 | $25712 | $511109 |
|  **ACCUMULATION UNIT VALUE <sup>1</sup>** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Lowest | $39.97 | $14.11 | $45.18 | $58.33 | $22.90 | $44.24 |
| &nbsp;&nbsp;&nbsp;&nbsp; Highest | $39.97 | $14.11 | $45.18 | $58.33 | $37.12 | $245.74 |
| **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** |
|  | AB VPS<br>Discovery Value<br>Portfolio -<br>Class A | AB VPS<br>International<br>Value<br>Class A | AB VPS<br>Relative Value<br>Portfolio -<br>Class A | AB VPS<br>Small Cap<br>Growth<br>Class A | Alger<br>Balanced<br>Class I-2 | Alger<br>Capital<br>Appreciation<br>Class I-2 |
|  **NET INVESTMENT INCOME (LOSS)** |  |  |  |  |  |  |
|  Devidends | $32 | $240 | $337 | $— | $825 | $— |
| &nbsp;&nbsp;&nbsp;&nbsp; Net investment income (loss) | 32 | 240 | 337 |  | 825 |  |
|  **NET REALIZED AND UNREALIZED GAINS (LOSSES) ON INVESTMENTS** |  |  |  |  |  |  |
|  Realized gains (losses) on fund shares: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Proceeds from sales | 151 | 17167 | 350 | 2686 | 795 | 74942 |
| &nbsp;&nbsp;&nbsp;&nbsp; Cost of investments sold | 156 | 14784 | 324 | 3045 | 602 | 43444 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Realized gains (losses) on fund shares | (5) | 2383 | 26 | (359) | 193 | 31498 |
|  Realized gain distributions | 417 |  | 2454 |  | 2981 | 119880 |
| &nbsp;&nbsp;&nbsp;&nbsp; Net realized gains (losses) | 412 | 2383 | 2480 | (359) | 3174 | 151378 |
|  Change in unrealized gains (losses) | (328) | 1652 | 210 | 1673 | 306 | 44914 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net realized and change in unrealized gains (losses) on investments | 84 | 4035 | 2690 | 1314 | 3480 | 196292 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS**  | $116 | $4275 | $3027 | $1314 | $4305 | $196292 |

---

<sup>1</sup> The high and low accumulation unit value ("AUV") are reported at the same amount where there is only one policy offered for investment in the sub-account. Otherwise, when more than one policy is available for investment, a high and low AUV are reported at different amounts. 

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF NET ASSETS** 

**As of December 31, 2025** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | Alger<br>Large Cap<br>Growth<br> Class I-2 | Alger<br>MidCap<br>Growth<br> Class I-2 | Alger<br>Small Cap<br> Growth Portfolio<br> Class I-2 | DWS<br> Equity 500<br>Index VIP<br>Class A | DWS<br> Global Income<br>Builder VIP<br>Class A II | DWS<br> Small Cap<br>Index VIP<br>Class A |
|  **ASSETS** |  |  |  |  |  |  |
|  Investments, at fair value | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;631282 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;692757 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;82043 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;276633 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;88496 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;69471 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total assets | $631282 | $692757 | $82043 | $276633 | $88496 | $69471 |
|  **NET ASSETS** |  |  |  |  |  |  |
|  Accumulation units | $631282 | $692757 | $82043 | $276633 | $88496 | $69471 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total net assets | $631282 | $692757 | $82043 | $276633 | $88496 | $69471 |
|  **FUND SHARE INFORMATION** |  |  |  |  |  |  |
|  Number of shares | 6119 | 29083 | 4401 | 8499 | 3960 | 4625 |
|  Cost of investments | $410004 | $585182 | $88017 | $177618 | $86689 | $63673 |
|  **ACCUMULATION UNIT VALUE <sup>1</sup>** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Lowest | $76.45 | $25.86 | $19.25 | $120.49 | $33.55 | $87.74 |
| &nbsp;&nbsp;&nbsp;&nbsp; Highest | $114.84 | $102.87 | $19.25 | $120.49 | $33.55 | $87.74 |
| **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** |
|  | Alger<br> Large Cap<br>Growth<br> Class I-2 | Alger<br>MidCap<br>Growth<br> Class I-2 | Alger Small Cap<br> Growth Portfolio<br> Class I-2 | DWS<br> Equity 500<br>Index VIP<br>Class A | DWS<br> Global Income<br>Builder VIP<br>Class A II | DWS<br> Small Cap<br>Index VIP<br>Class A |
|  **NET INVESTMENT INCOME (LOSS)** |  |  |  |  |  |  |
|  Dividends | $— | $— | $— | $2662 | $3602 | $844 |
| &nbsp;&nbsp;&nbsp;&nbsp; Net investment income (loss) |  |  |  | 2662 | 3602 | 844 |
|  **NET REALIZED AND UNREALIZED GAINS (LOSSES) ON INVESTMENTS** |  |  |  |  |  |  |
|  Realized gains (losses) on fund shares: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Proceeds from sales | 39635 | 26488 | 756 | 10412 | 901 | 1340 |
| &nbsp;&nbsp;&nbsp;&nbsp; Cost of investments sold | 24765 | 24684 | 889 | 7261 | 906 | 1346 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Realized gains (losses) on fund shares | 14870 | 1804 | (133) | 3151 | (5) | (6) |
|  Realized gain distributions | 67966 |  | 947 | 22026 | 10313 | 3605 |
| &nbsp;&nbsp;&nbsp;&nbsp; Net realized gains (losses) | 82836 | 1804 | 814 | 25177 | 10308 | 3599 |
|  Change in unrealized gains (losses) | 67994 | 99035 | 4257 | 13278 | (1837) | 3362 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net realized and change in unrealized gains (losses) on investments | 150830 | 100839 | 5071 | 38455 | 8471 | 6961 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** | $150830 | $100839 | $5071 | $41117 | $12073 | $7805 |

---

<sup>1</sup> The high and low accumulation unit value ("AUV") are reported at the same amount where there is only one policy offered for investment in the sub-account. Otherwise, when more than one policy is available for investment, a high and low AUV are reported at different amounts. 

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF NET ASSETS** 

**As of December 31, 2025** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | Fidelity<sup>®</sup> VIP<br>Asset Manager<br>50% Portfolio<br> Initial Class\* | Fidelity<sup>®</sup> VIP<br>ContrafundSM<br>Portfolio<br> Initial Class | Fidelity<sup>®</sup> VIP<br>Disciplined<br> Small Cap Portfolio<br> Initial Class | Fidelity<sup>®</sup> VIP<br>Emerging<br>Markets Portfolio<br> Initial Class | Fidelity<sup>®</sup> VIP<br>Equity-Income<br>PortfolioSM<br> Initial Class | Fidelity<sup>®</sup> VIP<br>Government Money<br>Market Portfolio<br> Initial Class |
|  **ASSETS** |  |  |  |  |  |  |
|  Investments, at fair value | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;118062 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2232835 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;56410 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;134858 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1556384 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;856594 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total assets | $118062 | $2232835 | $56410 | $134858 | $1556384 | $856594 |
|  **NET ASSETS** |  |  |  |  |  |  |
|  Accumulation units | $118062 | $2232835 | $56410 | $134858 | $1556384 | $856594 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total net assets | $118062 | $2232835 | $56410 | $134858 | $1556384 | $856594 |
|  **FUND SHARE INFORMATION** |  |  |  |  |  |  |
|  Number of shares | 6700 | 37282 | 2794 | 8519 | 52884 | 856594 |
|  Cost of investments | $103254 | $1569354 | $44715 | $99275 | $1232653 | $856594 |
|  **ACCUMULATION UNIT VALUE <sup>1</sup>** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Lowest | $45.82 | $35.65 | $23.23 | $21.22 | $24.39 | $12.16 |
| &nbsp;&nbsp;&nbsp;&nbsp; Highest | $45.82 | $160.80 | $23.23 | $27.63 | $75.90 | $17.90 |
| **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** |
|  | Fidelity<sup>®</sup> VIP<br>Asset Manager<br>50% Portfolio<br> Initial Class\* | Fidelity<sup>®</sup> VIP<br>ContrafundSM<br>Portfolio<br> Initial Class | Fidelity<sup>®</sup> VIP<br>Disciplined<br> Small Cap Portfolio<br> Initial Class | Fidelity<sup>®</sup> VIP<br>Emerging<br>Markets Portfolio<br> Initial Class | Fidelity<sup>®</sup> VIP<br>Equity-Income<br>PortfolioSM<br> Initial Class | Fidelity<sup>®</sup> VIP<br>Government Money<br>Market Portfolio<br> Initial Class |
|  **NET INVESTMENT INCOME (LOSS)** |  |  |  |  |  |  |
|  Dividends | $2844 | $2914 | $441 | $2242 | $26447 | $33933 |
| &nbsp;&nbsp;&nbsp;&nbsp; Net investment income (loss) | 2844 | 2914 | 441 | 2242 | 26447 | 33933 |
|  **NET REALIZED AND UNREALIZED GAINS (LOSSES) ON INVESTMENTS** |  |  |  |  |  |  |
|  Realized gains (losses) on fund shares: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Proceeds from sales | 15327 | 52828 | 931 | 7668 | 68567 | 50496 |
| &nbsp;&nbsp;&nbsp;&nbsp; Cost of investments sold | 13909 | 36747 | 771 | 6264 | 54749 | 50496 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Realized gains (losses) on fund shares | 1418 | 16081 | 160 | 1404 | 13818 |  |
|  Realized gain distributions | 5389 | 330356 | 3365 | 864 | 81402 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Net realized gains (losses) | 6807 | 346437 | 3525 | 2268 | 95220 |  |
|  Change in unrealized gains (losses) | 6663 | 48560 | 4556 | 35243 | 131810 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net realized and change in unrealized gains (losses) on investments | 13470 | 394997 | 8081 | 37511 | 227030 |  |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** | $16314 | $397911 | $8522 | $39753 | $253477 | $33933 |

---

<sup>1</sup> The high and low accumulation unit value ("AUV") are reported at the same amount where there is only one policy offered for investment in the sub-account. Otherwise, when more than one policy is available for investment, a high and low AUV are reported at different amounts. 

\*See Note 2 for disclosure of changes to the names of the sub-accounts (and Funds) during 2025.

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF NET ASSETS** 

**As of December 31, 2025** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | Fidelity<sup>®</sup> VIP<br>Growth<br> & Income Portfolio<br> Initial Class | Fidelity<sup>®</sup> VIP<br>Growth Portfolio<br>Initial Class | Fidelity<sup>®</sup> VIP<br>High<br> Income Portfolio<br>Initial Class | Fidelity<sup>®</sup> VIP<br>Index 500 Portfolio<br>Initial Class | Fidelity<sup>®</sup> VIP<br>Index 500 Portfolio<br>Service Class | Fidelity<sup>®</sup> VIP<br>Investment Grade<br>Bond Portfolio<br> Initial Class |
|  **ASSETS** |  |  |  |  |  |  |
|  Investments, at fair value | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;83108 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2265571 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;27283 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3011962 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;856308 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;472770 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total assets | $83108 | $2265571 | $27283 | $3011962 | $856308 | $472770 |
|  **NET ASSETS** |  |  |  |  |  |  |
|  Accumulation units | $83108 | $2265571 | $27283 | $3011962 | $856308 | $472770 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total net assets | $83108 | $2265571 | $27283 | $3011962 | $856308 | $472770 |
|  **FUND SHARE INFORMATION** |  |  |  |  |  |  |
|  Number of shares | 2492 | 23184 | 5591 | 4563 | 1303 | 41617 |
|  Cost of investments | $64670 | $1825288 | $28362 | $1536825 | $435672 | $513286 |
|  **ACCUMULATION UNIT VALUE <sup>1</sup>** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Lowest | $56.52 | $40.00 | $25.66 | $31.94 | $66.24 | $12.03 |
| &nbsp;&nbsp;&nbsp;&nbsp; Highest | $56.52 | $127.31 | $25.66 | $100.85 | $66.24 | $22.34 |
| **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** |
|  | Fidelity<sup>®</sup> VIP<br>Growth<br> & Income Portfolio<br> Initial Class | Fidelity<sup>®</sup> VIP<br>Growth Portfolio<br>Initial Class | Fidelity<sup>®</sup> VIP<br>High<br> Income Portfolio<br> Initial Class | Fidelity<sup>®</sup> VIP<br>Index 500 Portfolio<br>Initial Class | Fidelity<sup>®</sup> VIP<br>Index 500 Portfolio<br>Service Class | Fidelity<sup>®</sup> VIP<br>Investment Grade<br>Bond Portfolio<br> Initial Class |
|  **NET INVESTMENT INCOME (LOSS)** |  |  |  |  |  |  |
|  Dividends | $1190 | $6253 | $1717 | $32168 | $8483 | $16382 |
| &nbsp;&nbsp;&nbsp;&nbsp; Net investment income (loss) | 1190 | 6253 | 1717 | 32168 | 8483 | 16382 |
|  **NET REALIZED AND UNREALIZED GAINS (LOSSES) ON INVESTMENTS** |  |  |  |  |  |  |
|  Realized gains (losses) on fund shares: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Proceeds from sales | 9647 | 164860 | 1517 | 215752 | 113155 | 14608 |
| &nbsp;&nbsp;&nbsp;&nbsp; Cost of investments sold | 7556 | 127473 | 1571 | 136927 | 60853 | 15708 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Realized gains (losses) on fund shares | 2091 | 37387 | (54) | 78825 | 52302 | (1100) |
|  Realized gain distributions | 7157 | 277701 |  | 14152 | 3991 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Net realized gains (losses) | 9248 | 315088 | (54) | 92977 | 56293 | (1100) |
|  Change in unrealized gains (losses) | 3495 | (18914) | 883 | 331834 | 67660 | 16150 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net realized and change in unrealized gains (losses) on investments | 12743 | 296174 | 829 | 424811 | 123953 | 15050 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** | $13933 | $302427 | $2546 | $456979 | $132436 | $31432 |

---

<sup>1</sup> The high and low accumulation unit value ("AUV") are reported at the same amount where there is only one policy offered for investment in the sub-account. Otherwise, when more than one policy is available for investment, a high and low AUV are reported at different amounts. 

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF NET ASSETS** 

**As of December 31, 2025** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | Fidelity<sup>®</sup> VIP<br> Mid<br> Cap Portfolio<br> Initial Class | Fidelity<sup>®</sup> VIP<br>Overseas Portfolio<br>Initial Class | Fidelity<sup>®</sup> VIP<br>Real<br> Estate Portfolio<br> Initial Class | Fidelity<sup>®</sup> VIP<br>Value Portfolio<br>Initial Class | Fidelity<sup>®</sup> VIP<br>Value<br> Strategies Portfolio<br> Initial Class | Franklin Templeton<br>Global Bond<br> VIP Fund Class 1 |
|  **ASSETS** |  |  |  |  |  |  |
|  Investments, at fair value | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;113767 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;450867 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;74262 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7233 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;23701 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;28048 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total assets | $113767 | $450867 | $74262$| 7233 | $23701 | $28048 |
|  **NET ASSETS** |  |  |  |  |  |  |
|  Accumulation units | $113767 | $450867 | $74262$| 7233 | $23701 | $28048 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total net assets | $113767 | $450867 | $74262$| 7233 | $23701 | $28048 |
|  **FUND SHARE INFORMATION** |  |  |  |  |  |  |
|  Number of shares | 3033 | 16383 | 4163 | 375 | 1488 | 2003 |
|  Cost of investments | $109873 | $370699 | $74998$| 6846 | $21793 | $30896 |
|  **ACCUMULATION UNIT VALUE <sup>1</sup>** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Lowest | $22.70 | $18.72 | $13.78$| 24.32 | $45.19 | $15.96 |
| &nbsp;&nbsp;&nbsp;&nbsp; Highest | $45.89 | $44.03 | $24.75$| 24.32 | $45.19 | $15.96 |
| **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** |
|  | Fidelity<sup>®</sup> VIP<br> Mid<br> Cap Portfolio<br> Initial Class | Fidelity<sup>®</sup> VIP<br>Overseas Portfolio<br>Initial Class | Fidelity<sup>®</sup> VIP<br>Real<br> Estate Portfolio<br> Initial Class | Fidelity<sup>®</sup> VIP<br>Value Portfolio<br>Initial Class | Fidelity<sup>®</sup> VIP<br>Value<br> Strategies Portfolio<br> Initial Class | Franklin Templeton<br>Global Bond<br> VIP Fund Class 1 |
|  **NET INVESTMENT INCOME (LOSS)** |  |  |  |  |  |  |
|  Dividends | $464 | $6989 | $1480 | $97 | $250 | $— |
| &nbsp;&nbsp;&nbsp;&nbsp; Net investment income (loss) | 464 | 6989 | 1480 | 97 | 250 |  |
|  **NET REALIZED AND UNREALIZED GAINS (LOSSES) ON INVESTMENTS** |  |  |  |  |  |  |
|  Realized gains (losses) on fund shares: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Proceeds from sales | 12145 | 27523 | 29279 | 661 | 356 | 946 |
| &nbsp;&nbsp;&nbsp;&nbsp; Cost of investments sold | 12134 | 21826 | 29132 | 651 | 345 | 1100 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Realized gains (losses) on fund shares | 11 | 5697 | 147 | 10 | 11 | (154) |
|  Realized gain distributions | 11277 | 38868 | 32 | 522 | 889 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Net realized gains (losses) | 11288 | 44565 | 179 | 532 | 900 | (154) |
|  Change in unrealized gains (losses) | (269) | 26810 | 955 | 84 | 597 | 4035 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net realized and change in unrealized gains (losses) on investments | 11019 | 71375 | 1134 | 616 | 1497 | 3881 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS**  | $11483 | $78364 | $2614 | $713 | $1747 | $3881 |

---

<sup>1</sup> The high and low accumulation unit value ("AUV") are reported at the same amount where there is only one policy offered for investment in the sub-account. Otherwise, when more than one policy is available for investment, a high and low AUV are reported at different amounts. 

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF NET ASSETS** 

**As of December 31, 2025** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | Franklin Templeton<br>Income<br> VIP Fund Class 1 | Franklin Templeton<br>Mutual Global<br>Discovery<br> VIP Fund Class 1 | Franklin Templeton<br>Mutual<br>Shares<br> VIP Fund Class 1 | Franklin Templeton<br>Small<br> Cap Value<br> VIP Fund Class 1 | Franklin Templeton<br>Small-Mid<br> Cap Growth<br> VIP Fund Class 1 | Franklin Templeton<br>Strategic<br>Income<br> VIP Fund Class 1 |
|  **ASSETS** |  |  |  |  |  |  |
|  Investments, at fair value | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;32026 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7674 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4924 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;57259 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;26708 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8645 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total assets | $32026 | $7674 | $4924 | $57259 | $26708 | $8645 |
|  **NET ASSETS** |  |  |  |  |  |  |
|  Accumulation units | $32026 | $7674 | $4924 | $57259 | $26708 | $8645 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total net assets | $32026 | $7674 | $4924 | $57259 | $26708 | $8645 |
|  **FUND SHARE INFORMATION** |  |  |  |  |  |  |
|  Number of shares | 1999 | 382 | 297 | 3833 | 1432 | 905 |
|  Cost of investments | $30779 | $7248 | $4954 | $57116 | $26451 | $9253 |
|  **ACCUMULATION UNIT VALUE <sup>1</sup>** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Lowest | $28.78 | $34.90 | $29.63 | $41.88 | $45.61 | $20.05 |
| &nbsp;&nbsp;&nbsp;&nbsp; Highest | $28.78 | $34.90 | $29.63 | $41.88 | $45.61 | $20.05 |
| **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** |
|  | Franklin Templeton<br>Income<br> VIP Fund Class 1 | Franklin Templeton<br>Mutual Global<br>Discovery<br> VIP Fund Class 1 | Franklin Templeton<br>Mutual<br>Shares<br> VIP Fund Class 1 | Franklin Templeton<br>Small<br> Cap Value<br> VIP Fund Class 1 | Franklin Templeton<br>Small-Mid<br> Cap Growth<br> VIP Fund Class 1 | Franklin Templeton<br>Strategic<br>Income<br> VIP Fund Class 1 |
|  **NET INVESTMENT INCOME (LOSS)** |  |  |  |  |  |  |
|  Dividends | $1497 | $144 | $105 | $738 | $— | $1065 |
| &nbsp;&nbsp;&nbsp;&nbsp; Net investment income (loss) | 1497 | 144 | 105 | 738 |  | 1065 |
|  **NET REALIZED AND UNREALIZED GAINS (LOSSES) ON INVESTMENTS** |  |  |  |  |  |  |
|  Realized gains (losses) on fund shares: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Proceeds from sales | 363 | 244 | 36 | 29900 | 14530 | 13791 |
| &nbsp;&nbsp;&nbsp;&nbsp; Cost of investments sold | 366 | 227 | 35 | 30301 | 13900 | 15148 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Realized gains (losses) on fund shares | (3) | 17 | 1 | (401) | 630 | (1357) |
|  Realized gain distributions | 299 | 704 | 455 | 4640 | 1747 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Net realized gains (losses) | 296 | 721 | 456 | 4239 | 2377 | (1357) |
|  Change in unrealized gains (losses) | 1826 | 582 | (47) | (900) | (809) | 1492 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net realized and change in unrealized gains (losses) on investments | 2122 | 1303 | 409 | 3339 | 1568 | 135 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** | $3619 | $1447 | $514 | $4077 | $1568 | $1200 |

---

<sup>1</sup> The high and low accumulation unit value ("AUV") are reported at the same amount where there is only one policy offered for investment in the sub-account. Otherwise, when more than one policy is available for investment, a high and low AUV are reported at different amounts. 

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF NET ASSETS** 

**As of December 31, 2025** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | Franklin Templeton<br> U.S. Government<br>Securities<br> VIP Fund Class 1 | Invesco V.I.<br>American<br>Franchise | Invesco V.I.<br>American Value | Invesco V.I.<br>Core Equity | Invesco V.I.<br>Core Plus Bond<br>Fund - Series I | Invesco V.I.<br>Discovery<br> Mid Cap Growth<br> Fund - Series I |
|  **ASSETS** |  |  |  |  |  |  |
|  Investments, at fair value | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15175 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;535828 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;193172 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;53625 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9053 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;370531 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total assets | $15175 | $535828 | $193172 | $53625$| 9053 | $370531 |
|  **NET ASSETS** |  |  |  |  |  |  |
|  Accumulation units | $15175 | $535828 | $193172 | $53625$| 9053 | $370531 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total net assets | $15175 | $535828 | $193172 | $53625$| 9053 | $370531 |
|  **FUND SHARE INFORMATION** |  |  |  |  |  |  |
|  Number of shares | 1409 | 6615 | 10643 | 1488 | 1548 | 4927 |
|  Cost of investments | $17058 | $384891 | $177309 | $47122$| 8991 | $352889 |
|  **ACCUMULATION UNIT VALUE <sup>1</sup>** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Lowest | $14.58 | $62.22 | $27.82 | $52.69 | $11.15 | $17.95 |
| &nbsp;&nbsp;&nbsp;&nbsp; Highest | $14.58 | $62.22 | $84.36 | $52.69 | $11.15 | $59.26 |
| **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** |
|  | Franklin Templeton<br> U.S. Government<br>Securities<br> VIP Fund Class 1 | Invesco V.I.<br>American<br>Franchise | Invesco V.I.<br>American Value | Invesco V.I.<br>Core Equity | Invesco V.I.<br>Core Plus Bond<br>Fund - Series I | Invesco V.I.<br>Discovery<br> Mid Cap Growth<br> Fund - Series I |
|  **NET INVESTMENT INCOME (LOSS)** |  |  |  |  |  |  |
|  Dividends | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;501 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;— | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;803 | $327 | $370 | $— |
| &nbsp;&nbsp;&nbsp;&nbsp; Net investment income (loss) | 501 |  | 803 | 327 | 370 |  |
|  **NET REALIZED AND UNREALIZED GAINS (LOSSES) ON INVESTMENTS** |  |  |  |  |  |  |
|  Realized gains (losses) on fund shares: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Proceeds from sales | 3963 | 27007 | 8935 | 610 | 3246 | 26286 |
| &nbsp;&nbsp;&nbsp;&nbsp; Cost of investments sold | 4532 | 18062 | 8150 | 544 | 3236 | 23557 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Realized gains (losses) on fund shares | (569) | 8945 | 785 | 66 | 10 | 2729 |
|  Realized gain distributions |  | 48268 | 26805 | 3765 |  | 30733 |
| &nbsp;&nbsp;&nbsp;&nbsp; Net realized gains (losses) | (569) | 57213 | 27590 | 3831 | 10 | 33462 |
|  Change in unrealized gains (losses) | 1141 | 209 | 5471 | 3015 | 257 | (15606) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net realized and change in unrealized gains (losses) on investments | 572 | 57422 | 33061 | 6846 | 267 | 17856 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** | $1073 | $57422 | $33864 | $7173 | $637 | $17856 |

---

<sup>1</sup> The high and low accumulation unit value ("AUV") are reported at the same amount where there is only one policy offered for investment in the sub-account. Otherwise, when more than one policy is available for investment, a high and low AUV are reported at different amounts. 

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF NET ASSETS** 

**As of December 31, 2025** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | Invesco V.I.<br>Diversified<br>Dividend Fund<br> Series I | Invesco V.I.<br>Equity and<br>Income<br> Fund - Series I | Invesco V.I.<br>EQV International<br> Equity<br> Fund - Series I | Invesco V.I.<br>Global Fund -<br> Series I | Invesco V.I.<br>Global Fund -<br>Series II | Invesco V.I.<br>Global<br> Strategic Income<br> Fund - Series I |
|  **ASSETS** |  |  |  |  |  |  |
|  Investments, at fair value | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6303 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;43722 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10435 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;37507 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;646296 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9548 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total assets | $6303 | $43722 | $10435 | $37507 | $646296 | $9548 |
|  **NET ASSETS** |  |  |  |  |  |  |
|  Accumulation units | $6303 | $43722 | $10435 | $37507 | $646296 | $9548 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total net assets | $6303 | $43722 | $10435 | $37507 | $646296 | $9548 |
|  **FUND SHARE INFORMATION** |  |  |  |  |  |  |
|  Number of shares | 232 | 2393 | 289 | 988 | 17804 | 2089 |
|  Cost of investments | $6003 | $41467 | $10176 | $37606 | $632513 | $9558 |
|  **ACCUMULATION UNIT VALUE <sup>1</sup>** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Lowest | $20.25 | $12.14 | $15.96 | $43.22 | $66.01 | $17.57 |
| &nbsp;&nbsp;&nbsp;&nbsp; Highest | $20.25 | $12.14 | $15.96 | $43.22 | $66.01 | $17.57 |
| **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** |
|  | Invesco V.I.<br>Diversified<br>Dividend Fund<br> Series I | Invesco V.I.<br>Equity and<br>Income<br> Fund - Series I | Invesco V.I.<br> EQV International<br> Equity<br> Fund - Series I | Invesco V.I.<br>Global Fund -<br>Series I | Invesco V.I.<br>Global Fund -<br>Series II | Invesco V.I.<br>Global<br> Strategic Income<br> Fund - Series I |
|  **NET INVESTMENT INCOME (LOSS)** |  |  |  |  |  |  |
|  Dividends | $93 | $864 | $141 | $— | $— | $542 |
| &nbsp;&nbsp;&nbsp;&nbsp; Net investment income (loss) | 93 | 864 | 141 |  |  | 542 |
|  **NET REALIZED AND UNREALIZED GAINS (LOSSES) ON INVESTMENTS** |  |  |  |  |  |  |
|  Realized gains (losses) on fund shares: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Proceeds from sales | 5977 | 1520 | 4468 | 2322 | 18174 | 1841 |
| &nbsp;&nbsp;&nbsp;&nbsp; Cost of investments sold | 5703 | 1456 | 4380 | 2094 | 15747 | 1863 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Realized gains (losses) on fund shares | 274 | 64 | 88 | 228 | 2427 | (22) |
|  Realized gain distributions | 446 | 2195 | 624 | 6564 | 117992 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Net realized gains (losses) | 720 | 2259 | 712 | 6792 | 120419 | (22) |
|  Change in unrealized gains (losses) | 206 | 1745 | 818 | (1757) | (34915) | 600 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net realized and change in unrealized gains (losses) on investments | 926 | 4004 | 1530 | 5035 | 85504 | 578 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** | $1019 | $4868 | $1671 | $5035 | $85504 | $1120 |

---

<sup>1</sup> The high and low accumulation unit value ("AUV") are reported at the same amount where there is only one policy offered for investment in the sub-account. Otherwise, when more than one policy is available for investment, a high and low AUV are reported at different amounts. 

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF NET ASSETS** 

**As of December 31, 2025** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | Invesco V.I.<br>Government<br>Securities | Invesco V.I.<br>Growth and<br>Income Fund<br>Series I | Invesco V.I.<br>High Yield | Invesco V.I.<br>International<br>Growth Fund\* | Invesco V.I.<br>Main Street<br>Fund<sup>®</sup> - Series I | Invesco V.I.<br>Main Street<br>MidCap<br> Fund - Series I |
|  **ASSETS** |  |  |  |  |  |  |
|  Investments, at fair value | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;62946 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;484331 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;104571 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;123143 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;21318 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;174621 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total assets | $62946 | $484331 | $104571 | $123143 | $21318 | $174621 |
|  **NET ASSETS** |  |  |  |  |  |  |
|  Accumulation units | $62946 | $484331 | $104571 | $123143 | $21318 | $174621 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total net assets | $62946 | $484331 | $104571 | $123143 | $21318 | $174621 |
|  **FUND SHARE INFORMATION** |  |  |  |  |  |  |
|  Number of shares | 5910 | 22707 | 22061 | 63476 | 962 | 15860 |
|  Cost of investments | $65782 | $437940 | $109570 | $129542 | $21831 | $173426 |
|  **ACCUMULATION UNIT VALUE <sup>1</sup>** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Lowest | $13.06 | $43.92 | $13.82 | $22.60 | $27.21 | $49.96 |
| &nbsp;&nbsp;&nbsp;&nbsp; Highest | $13.06 | $86.44 | $19.07 | $74.42 | $27.21 | $49.96 |
| **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** |
|  | Invesco V.I.<br>Government<br>Securities | Invesco V.I.<br>Growth and<br>Income Fund<br> Series I | Invesco V.I.<br>High Yield | Invesco V.I.<br>International<br>Growth Fund\* | Invesco V.I.<br>Main Street<br>Fund<sup>®</sup> - Series I | Invesco V.I.<br>Main Street<br>MidCap<br> Fund - Series I |
|  **NET INVESTMENT INCOME (LOSS)** |  |  |  |  |  |  |
|  Dividends | $1961 | $6616 | $7070 | $414 | $109 | $565 |
| &nbsp;&nbsp;&nbsp;&nbsp; Net investment income (loss) | 1961 | 6616 | 7070 | 414 | 109 | 565 |
|  **NET REALIZED AND UNREALIZED GAINS (LOSSES) ON INVESTMENTS** |  |  |  |  |  |  |
|  Realized gains (losses) on fund shares: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Proceeds from sales | 5642 | 12673 | 1301 | 20355 | 331 | 18765 |
| &nbsp;&nbsp;&nbsp;&nbsp; Cost of investments sold | 5965 | 11478 | 1337 | 21976 | 352 | 18466 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Realized gains (losses) on fund shares | (323) | 1195 | (36) | (1621) | (21) | 299 |
|  Realized gain distributions |  | 34956 |  | 11102 | 1245 | 16679 |
| &nbsp;&nbsp;&nbsp;&nbsp; Net realized gains (losses) | (323) | 36151 | (36) | 9481 | 1224 | 16978 |
|  Change in unrealized gains (losses) | 2727 | 22962 | (690) | 8110 | 1558 | (2495) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net realized and change in unrealized gains (losses) on investments | 2404 | 59113 | (726) | 17591 | 2782 | 14483 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** | $4365 | $65729 | $6344 | $18005 | $2891 | $15048 |

---

<sup>1</sup> The high and low accumulation unit value ("AUV") are reported at the same amount where there is only one policy offered for investment in the sub-account. Otherwise, when more than one policy is available for investment, a high and low AUV are reported at different amounts. 

\*See Note 2 for disclosure of changes to the names of the sub-accounts (and Funds) during 2025.

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF NET ASSETS** 

**As of December 31, 2025** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | Invesco V.I.<br>Main Street<br>Small Cap<br> Fund<sup>®</sup> - Series I | Janus Henderson<br>Balanced Portfolio<br> Institutional Shares | Janus Henderson<br> Balanced Portfolio<br>Service Shares | Janus Henderson<br>Enterprise<br>Portfolio<br> Institutional Shares | Janus Henderson<br>Flexible<br> Bond Portfolio<br> Institutional Shares | Janus Henderson<br>Forty<br> Portfolio<br> Institutional Shares |
|  **ASSETS** |  |  |  |  |  |  |
|  Investments, at fair value | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1141447 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;35389 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;707152 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;103653 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;41823 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;200404 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total assets | $1141447 | $35389 | $707152 | $103653 | $41823 | $200404 |
|  **NET ASSETS** |  |  |  |  |  |  |
|  Accumulation units | $1141447 | $35389 | $707152 | $103653 | $41823 | $200404 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total net assets | $1141447 | $35389 | $707152 | $103653 | $41823 | $200404 |
|  **FUND SHARE INFORMATION** |  |  |  |  |  |  |
|  Number of shares | 39995 | 634 | 11889 | 1240 | 4212 | 3373 |
|  Cost of investments | $933092 | $26238 | $431727 | $96034 | $47140 | $145313 |
|  **ACCUMULATION UNIT VALUE <sup>1</sup>** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Lowest | $51.55 | $22.90 | $72.33 | $25.96 | $11.90 | $36.72 |
| &nbsp;&nbsp;&nbsp;&nbsp; Highest | $112.78 | $45.23 | $72.33 | $60.43 | $19.28 | $141.69 |
| **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** |
|  | Invesco V.I.<br>Main Street<br>Small Cap<br> Fund<sup>®</sup> - Series I | Janus Henderson<br>Balanced<br> Portfolio<br> Institutional Shares | Janus Henderson<br> Balanced Portfolio<br>Service Shares | Janus Henderson<br>Enterprise<br>Portfolio<br> Institutional Shares | Janus Henderson<br>Flexible<br> Bond Portfolio<br> Institutional Shares | Janus Henderson<br>Forty<br> Portfolio<br> Institutional Shares |
|  **NET INVESTMENT INCOME (LOSS)** |  |  |  |  |  |  |
|  Dividends | $4866 | $700 | $11324 | $184 | $2136 | $131 |
| &nbsp;&nbsp;&nbsp;&nbsp; Net investment income (loss) | 4866 | 700 | 11324 | 184 | 2136 | 131 |
|  **NET REALIZED AND UNREALIZED GAINS (LOSSES) ON INVESTMENTS** |  |  |  |  |  |  |
|  Realized gains (losses) on fund shares: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Proceeds from sales | 25424 | 4938 | 6304 | 3406 | 3425 | 12627 |
| &nbsp;&nbsp;&nbsp;&nbsp; Cost of investments sold | 19938 | 3910 | 3975 | 3159 | 3793 | 9647 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Realized gains (losses) on fund shares | 5486 | 1028 | 2329 | 247 | (368) | 2980 |
|  Realized gain distributions | 109223 | 1155 | 20152 | 6550 |  | 21647 |
| &nbsp;&nbsp;&nbsp;&nbsp; Net realized gains (losses) | 114709 | 2183 | 22481 | 6797 | (368) | 24627 |
|  Change in unrealized gains (losses) | (28215) | 1930 | 57388 | (79) | 1134 | 6248 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net realized and change in unrealized gains (losses) on investments | 86494 | 4113 | 79869 | 6718 | 766 | 30875 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS**  | $91360 | $4813 | $91193 | $6902 | $2902 | $31006 |

---

<sup>1</sup> The high and low accumulation unit value ("AUV") are reported at the same amount where there is only one policy offered for investment in the sub-account. Otherwise, when more than one policy is available for investment, a high and low AUV are reported at different amounts. 

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF NET ASSETS** 

**As of December 31, 2025** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | Janus Henderson<br>Global Research<br>Portfolio<br> Service Shares | Janus Henderson<br>Glob.Tech. and<br>Innovation Portfolio<br> Institutional Shares | Janus Henderson<br>Mid Cap Value<br>Portfolio<br> Institutional Shares | Janus Henderson<br>Mid Cap Value<br>Portfolio<br> Service Shares | Janus Henderson<br>Overseas<br>Portfolio<br> Institutional Shares | Janus Henderson<br>Overseas<br>Portfolio<br> Service Shares |
|  **ASSETS** |  |  |  |  |  |  |
|  Investments, at fair value | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;81404 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;179306 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;52344 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;238877 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;47501 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;119987 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total assets | $81404 | $179306 | $52344 | $238877 | $47501 | $119987 |
|  **NET ASSETS** |  |  |  |  |  |  |
|  Accumulation units | $81404 | $179306 | $52344 | $238877 | $47501 | $119987 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total net assets | $81404 | $179306 | $52344 | $238877 | $47501 | $119987 |
|  **FUND SHARE INFORMATION** |  |  |  |  |  |  |
|  Number of shares | 1065 | 7490 | 2946 | 14236 | 851 | 2263 |
|  Cost of investments | $48969 | $120067 | $49219 | $221917 | $34270 | $76271 |
|  **ACCUMULATION UNIT VALUE<sup>1</sup>** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Lowest | $76.11 | $48.04 | $18.52 | $54.25 | $18.12 | $17.45 |
| &nbsp;&nbsp;&nbsp;&nbsp; Highest | $76.11 | $139.74 | $36.18 | $54.25 | $18.12 | $17.45 |
| **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** |
|  | Janus Henderson<br>Global Research<br>Portfolio<br> Service Shares | Janus Henderson<br>Glob.Tech. and<br>Innovation Portfolio<br> Institutional Shares | Janus Henderson<br>Mid Cap Value<br>Portfolio<br>Institutional Shares | Janus Henderson<br>Mid Cap Value<br>Portfolio<br> Service Shares | Janus Henderson<br>Overseas<br>Portfolio<br> Institutional Shares | Janus Henderson<br>Overseas<br>Portfolio<br> Service Shares |
|  **NET INVESTMENT INCOME (LOSS)** |  |  |  |  |  |  |
|  Dividends | $326 | $— | $395 | $1558 | $571 | $1430 |
| &nbsp;&nbsp;&nbsp;&nbsp; Net investment income (loss) | 326 |  | 395 | 1558 | 571 | 1430 |
|  **NET REALIZED AND UNREALIZED GAINS (LOSSES) ON INVESTMENTS** |  |  |  |  |  |  |
|  Realized gains (losses) on fund shares: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Proceeds from sales | 4797 | 25638 | 403 | 9889 | 18577 | 4253 |
| &nbsp;&nbsp;&nbsp;&nbsp; Cost of investments sold | 3064 | 18467 | 375 | 9064 | 14881 | 2965 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Realized gains (losses) on fund shares | 1733 | 7171 | 28 | 825 | 3696 | 1288 |
|  Realized gain distributions | 7002 | 16103 | 4247 | 22687 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Net realized gains (losses) | 8735 | 23274 | 4275 | 23512 | 3696 | 1288 |
|  Change in unrealized gains (losses) | 5250 | 15567 | (1617) | (10750) | 6168 | 24094 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net realized and change in unrealized gains (losses) on investments | 13985 | 38841 | 2658 | 12762 | 9864 | 25382 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** | $14311 | $38841 | $3053 | $14320 | $10435 | $26812 |

---

<sup>1</sup> The high and low accumulation unit value ("AUV") are reported at the same amount where there is only one policy offered for investment in the sub-account. Otherwise, when more than one policy is available for investment, a high and low AUV are reported at different amounts. 

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF NET ASSETS** 

**As of December 31, 2025** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | Janus Henderson<br>Research Portfolio<br> Institutional Shares | Lazard Retirement<br>Emerging<br> Markets<br> Equity Portfolio | Legg Mason<br>ClearBridge Variable<br>Large Cap Value<br> Portfolio Class I | Legg Mason Western<br>Assets Variable<br>Global High Yield<br> Bond Portfolio Class I | MFS<sup>®</sup> High<br>Yield<br>Portfolio<br>Initial Class | MFS<sup>®</sup> Investors<br>Trust<br> Series Initial<br>Class |
|  **ASSETS** |  |  |  |  |  |  |
|  Investments, at fair value | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3211 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;44734 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;220743 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;145369 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;89065 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;31973 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total assets | $3211 | $44734 | $220743 | $145369 | $89065 | $31973 |
|  **NET ASSETS** |  |  |  |  |  |  |
|  Accumulation units | $3211 | $44734 | $220743 | $145369 | $89065 | $31973 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total net assets | $3211 | $44734 | $220743 | $145369 | $89065 | $31973 |
|  **FUND SHARE INFORMATION** |  |  |  |  |  |  |
|  Number of shares | 49 | 1497 | 11509 | 23447 | 17498 | 1222 |
|  Cost of investments | $2459 | $30106 | $231726 | $163374 | $95849 | $34116 |
|  **ACCUMULATION UNIT VALUE <sup>1</sup>** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Lowest | $37.28 | $101.52 | $57.85 | $31.39 | $17.59 | $75.90 |
| &nbsp;&nbsp;&nbsp;&nbsp; Highest | $37.28 | $101.52 | $57.85 | $31.39 | $17.59 | $75.90 |
| **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** |
|  | Janus Henderson<br>Research Portfolio<br> Institutional Shares | Lazard Retirement<br>Emerging<br> Markets<br> Equity Portfolio | Legg Mason<br>ClearBridge Variable<br>Large Cap Value<br> Portfolio Class I | Legg Mason Western<br>Assets Variable<br>Global High Yield<br> Bond Portfolio Class I | MFS<sup>®</sup> High<br>Yield<br>Portfolio<br>Initial Class | MFS<sup>®</sup> Investors<br>Trust<br> Series Initial<br>Class |
|  **NET INVESTMENT INCOME (LOSS)** |  |  |  |  |  |  |
|  Dividends | $4 | $1043 | $2428 | $9612 | $5821 | $483 |
| &nbsp;&nbsp;&nbsp;&nbsp; Net investment income (loss) | 4 | 1043 | 2428 | 9612 | 5821 | 483 |
|  **NET REALIZED AND UNREALIZED GAINS (LOSSES) ON INVESTMENTS** |  |  |  |  |  |  |
|  Realized gains (losses) on fund shares: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Proceeds from sales | 862 | 1043 | 20961 | 9016 | 3013 | 745 |
| &nbsp;&nbsp;&nbsp;&nbsp; Cost of investments sold | 721 | 809 | 21522 | 9846 | 3248 | 648 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Realized gains (losses) on fund shares | 141 | 234 | (561) | (830) | (235) | 97 |
|  Realized gain distributions | 262 |  | 21482 |  |  | 12371 |
| &nbsp;&nbsp;&nbsp;&nbsp; Net realized gains (losses) | 403 | 234 | 20921 | (830) | (235) | 12468 |
|  Change in unrealized gains (losses) | 136 | 11920 | (2271) | 4742 | 1535 | (9099) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net realized and change in unrealized gains (losses) on investments | 539 | 12154 | 18650 | 3912 | 1300 | 3369 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** | $543 | $13197 | $21078 | $13524 | $7121 | $3852 |

---

<sup>1</sup> The high and low accumulation unit value ("AUV") are reported at the same amount where there is only one policy offered for investment in the sub-account. Otherwise, when more than one policy is available for investment, a high and low AUV are reported at different amounts. 

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF NET ASSETS** 

**As of December 31, 2025** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | MFS<sup>®</sup> Mass.<br>Investors Growth<br>Stock Portfolio<br> Initial Class | MFS<sup>®</sup> New<br>Discovery<br> Series Initial Class | MFS<sup>®</sup> Total<br>Return<br> Series Initial Class | MFS<sup>®</sup> Utilities<br>Series Initial Class | MFS<sup>®</sup> Value<br>Series Initial Class | Morgan Stanley<br>VIF Emerging<br>Markets Equity<br> Portfolio Class I |
|  **ASSETS** |  |  |  |  |  |  |
|  Investments, at fair value | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;138649 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;290644 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;188360 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;123753 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;101538 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;24780 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total assets | $138649 | $290644 | $188360 | $123753 | $101538 | $24780 |
|  **NET ASSETS** |  |  |  |  |  |  |
|  Accumulation units | $138649 | $290644 | $188360 | $123753 | $101538 | $24780 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total net assets | $138649 | $290644 | $188360 | $123753 | $101538 | $24780 |
|  **FUND SHARE INFORMATION** |  |  |  |  |  |  |
|  Number of shares | 6149 | 18631 | 8074 | 3280 | 4561 | 1410 |
|  Cost of investments | $127083 | $299292 | $183609 | $101838 | $87643 | $19804 |
|  **ACCUMULATION UNIT VALUE <sup>1</sup>** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Lowest | $37.42 | $114.89 | $57.79 | $117.41 | $65.42 | $15.56 |
| &nbsp;&nbsp;&nbsp;&nbsp; Highest | $37.42 | $114.89 | $57.79 | $117.41 | $65.42 | $15.56 |
| **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** |
|  | MFS<sup>®</sup> Mass.<br>Investors Growth<br>Stock Portfolio<br>Initial Class | MFS<sup>®</sup> New<br>Discovery<br> Series Initial Class | MFS<sup>®</sup> Total<br>Return<br> Series Initial Class | MFS<sup>®</sup> Utilities<br>Series Initial Class | MFS<sup>®</sup> Value<br>Series Initial Class | Morgan Stanley<br>VIF Emerging<br>Markets Equity<br> Portfolio Class I |
|  **NET INVESTMENT INCOME (LOSS)** |  |  |  |  |  |  |
|  Dividends | $358 | $— | $4965 | $3426 | $1559 | $85 |
| &nbsp;&nbsp;&nbsp;&nbsp; Net investment income (loss) | 358 |  | 4965 | 3426 | 1559 | 85 |
|  **NET REALIZED AND UNREALIZED GAINS (LOSSES) ON INVESTMENTS** |  |  |  |  |  |  |
|  Realized gains (losses) on fund shares: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Proceeds from sales | 12318 | 22332 | 10102 | 5399 | 2416 | 19488 |
| &nbsp;&nbsp;&nbsp;&nbsp; Cost of investments sold | 10397 | 24776 | 9888 | 4506 | 2105 | 19095 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Realized gains (losses) on fund shares | 1921 | (2444) | 214 | 893 | 311 | 393 |
|  Realized gain distributions | 18890 |  | 13239 | 1567 | 7254 | 705 |
| &nbsp;&nbsp;&nbsp;&nbsp; Net realized gains (losses) | 20811 | (2444) | 13453 | 2460 | 7565 | 1098 |
|  Change in unrealized gains (losses) | (8242) | 36591 | 787 | 10467 | 2620 | 5440 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net realized and change in unrealized gains (losses) on investments | 12569 | 34147 | 14240 | 12927 | 10185 | 6538 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** | $12927$| 34147 | $19205 | $16353 | $11744 | $6623 |

---

<sup>1</sup> The high and low accumulation unit value ("AUV") are reported at the same amount where there is only one policy offered for investment in the sub-account. Otherwise, when more than one policy is available for investment, a high and low AUV are reported at different amounts. 

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF NET ASSETS** 

**As of December 31, 2025** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | Morgan Stanley<br>VIF<br> Growth<br> Portfolio Class I | Morningstar<br>Aggressive Growth<br>ETF Asset Allocation<br> Portfolio Class I | Morningstar<br>Balanced ETF<br>Asset Allocation<br> Portfolio Class I | Morningstar<br>Conservative ETF<br>Asset Allocation<br> Portfolio Class I | Morningstar<br>Growth ETF<br>Asset Allocation<br> Portfolio Class I | Morningstar Income<br>and Growth ETF<br>Asset Allocation<br> Portfolio Class I |
|  **ASSETS** |  |  |  |  |  |  |
|  Investments, at fair value | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;321983 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1003348 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;701915 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;37829 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1463017 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;297878 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total assets | $321983 | $1003348 | $701915 | $37829 | $1463017 | $297878 |
|  **NET ASSETS** |  |  |  |  |  |  |
|  Accumulation units | $321983 | $1003348 | $701915 | $37829 | $1463017 | $297878 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total net assets | $321983 | $1003348 | $701915 | $37829 | $1463017 | $297878 |
|  **FUND SHARE INFORMATION** |  |  |  |  |  |  |
|  Number of shares | 12123 | 58031 | 63522 | 3477 | 106790 | 31061 |
|  Cost of investments | $239434 | $800004 | $680683 | $37172 | $1250390 | $303831 |
|  **ACCUMULATION UNIT VALUE <sup>1</sup>** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Lowest | $107.36 | $22.38 | $17.68 | $13.20 | $20.29 | $15.42 |
| &nbsp;&nbsp;&nbsp;&nbsp; Highest | $166.40 | $34.97 | $26.97 | $17.88 | $46.17 | $22.17 |
| **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** |
|  | Morgan Stanley<br>VIF<br> Growth<br> Portfolio Class I | Morningstar<br>Aggressive Growth<br>ETF Asset Allocation<br> Portfolio Class I | Morningstar<br>Balanced ETF<br>Asset Allocation<br> Portfolio Class I | Morningstar<br>Conservative ETF<br>Asset Allocation<br> Portfolio Class I | Morningstar<br>Growth ETF<br>Asset Allocation<br> Portfolio Class I | Morningstar Income<br>and Growth ETF<br>Asset Allocation<br> Portfolio Class I |
|  **NET INVESTMENT INCOME (LOSS)** |  |  |  |  |  |  |
|  Dividends | $— | $12553 | $14586 | $1061 | $22832 | $7705 |
| &nbsp;&nbsp;&nbsp;&nbsp; Net investment income (loss) |  | 12553 | 14586 | 1061 | 22832 | 7705 |
|  **NET REALIZED AND UNREALIZED GAINS (LOSSES) ON INVESTMENTS** |  |  |  |  |  |  |
|  Realized gains (losses) on fund shares: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Proceeds from sales | 28777 | 111324 | 45161 | 43179 | 255558 | 32809 |
| &nbsp;&nbsp;&nbsp;&nbsp; Cost of investments sold | 23482 | 87699 | 41984 | 42727 | 225459 | 32932 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Realized gains (losses) on fund shares | 5295 | 23625 | 3177 | 452 | 30099 | (123) |
|  Realized gain distributions |  | 65133 | 72616 |  | 97963 | 24482 |
| &nbsp;&nbsp;&nbsp;&nbsp; Net realized gains (losses) | 5295 | 88758 | 75793 | 452 | 128062 | 24359 |
|  Change in unrealized gains (losses) | 82683 | 70300 | (441) | 3678 | 76293 | (587) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net realized and change in unrealized gains (losses) on investments | $87978 | 159058 | 75352 | 4130 | 204355 | 23772 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS**  | $87978 | $171611 | $89938 | $5191 | $227187 | $31477 |

---

<sup>1</sup> The high and low accumulation unit value ("AUV") are reported at the same amount where there is only one policy offered for investment in the sub-account. Otherwise, when more than one policy is available for investment, a high and low AUV are reported at different amounts. 

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF NET ASSETS** 

**As of December 31, 2025** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | PIMCO VIT<br> Int. Bond<br>U.S. Dollar-Hedged<br>Admin. Shares | PIMCO VIT Real<br> Return<br> Portfolio<br> Admin. Shares | PIMCO VIT<br> Total Return<br>Portfolio<br>Admin. Shares | Putnam<br>VT High Yield<br>Fund Class IA | Putnam<br> VT International<br>Value Fund<br>Class IA | T. Rowe Price<br>Blue Chip Growth<br>Portfolio I |
|  **ASSETS** |  |  |  |  |  |  |
|  Investments, at fair value | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;71837 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;176175 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;322187 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;119932 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;63107 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;385772 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total assets | $71837 | $176175 | $322187 | $119932 | $63107 | $385772 |
|  **NET ASSETS** |  |  |  |  |  |  |
|  Accumulation units | $71837 | $176175 | $322187 | $119932 | $63107 | $385772 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total net assets | $71837 | $176175 | $322187 | $119932 | $63107 | $385772 |
|  **FUND SHARE INFORMATION** |  |  |  |  |  |  |
|  Number of shares | 7155 | 14669 | 34094 | 20642 | 3915 | 5905 |
|  Cost of investments | $74101 | $183795 | $350015 | $123332 | $40333 | $189829 |
|  **ACCUMULATION UNIT VALUE <sup>1</sup>** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Lowest | $27.64 | $22.27 | $25.83 | $45.55 | $57.82 | $118.36 |
| &nbsp;&nbsp;&nbsp;&nbsp; Highest | $27.64 | $22.27 | $25.83 | $45.55 | $57.82 | $118.36 |
| **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** |
|  | PIMCO VIT<br> Int. Bond U.S.<br>Dollar-Hedged<br>Admin. Shares | PIMCO VIT Real<br> Return Portfolio<br>Admin. Shares | PIMCO VIT<br> Total Return<br>Portfolio<br>Admin. Shares | Putnam VT<br>High Yield<br>Fund Class IA | Putnam<br> VT International<br>Value Fund<br>Class IA | T. Rowe Price<br>Blue Chip Growth<br>Portfolio I |
|  **NET INVESTMENT INCOME (LOSS)** |  |  |  |  |  |  |
|  Dividends | $2410 | $5741 | $12810 | $7240 | $768 | $— |
| &nbsp;&nbsp;&nbsp;&nbsp; Net investment income (loss) | 2410 | 5741 | 12810 | 7240 | 768 |  |
|  **NET REALIZED AND UNREALIZED GAINS (LOSSES) ON INVESTMENTS** |  |  |  |  |  |  |
|  Realized gains (losses) on fund shares: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Proceeds from sales | 1656 | 8843 | 18997 | 5092 | 1914 | 39847 |
| &nbsp;&nbsp;&nbsp;&nbsp; Cost of investments sold | 1721 | 9254 | 20846 | 5405 | 1275 | 18102 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Realized gains (losses) on fund shares | (65) | (411) | (1849) | (313) | 639 | 21745 |
|  Realized gain distributions |  |  |  |  | 471 | 32495 |
| &nbsp;&nbsp;&nbsp;&nbsp; Net realized gains (losses) | (65) | (411) | (1849) | (313) | 1110 | 54240 |
|  Change in unrealized gains (losses) | 345 | 7565 | 15696 | 2863 | 14719 | 9555 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net realized and change in unrealized gains (losses) on investments | 280 | 7154 | 13847 | 2550 | 15829 | 63795 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** | $2690 | $12895 | $26657 | $9790 | $16597 | $63795 |

---

<sup>1</sup> The high and low accumulation unit value ("AUV") are reported at the same amount where there is only one policy offered for investment in the sub-account. Otherwise, when more than one policy is available for investment, a high and low AUV are reported at different amounts. 

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF NET ASSETS** 

**As of December 31, 2025** 

---

| | | | |
|:---|:---|:---|:---|
|  | T. Rowe Price<br>Equity Income<br> Portfolio I | VanEck VIP<br>Emerging<br>Markets<br> Fund Initial Class | VanEck VIP<br>Global Resources<br> Fund - Initial Class |
|  **ASSETS** |  |  |  |
|  Investments, at fair value | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;687754 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;151487 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;94839 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total assets | $687754 | $151487 | $94839 |
|  **NET ASSETS** |  |  |  |
|  Accumulation units | $687754 | $151487 | $94839 |
| &nbsp;&nbsp;&nbsp;&nbsp; Total net assets | $687754 | $151487 | $94839 |
|  **FUND SHARE INFORMATION** |  |  |  |
|  Number of shares | 23789 | 12805 | 2830 |
|  Cost of investments | $631015 | $142828 | $66689 |
|  **ACCUMULATION UNIT VALUE <sup>1</sup>** |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Lowest | $78.04 | $48.45 | $43.48 |
| &nbsp;&nbsp;&nbsp;&nbsp; Highest | $78.04 | $48.45 | $43.48 |
| **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** | **STATEMENT OF OPERATIONS**<br> **For the Year Ended December 31, 2025** |
|  | T. Rowe Price<br>Equity Income<br>Portfolio I | VanEck VIP<br>Emerging<br>Markets Fund<br>Initial Class | VanEck VIP<br>Global Resources<br>Fund - Initial Class |
|  **NET INVESTMENT INCOME (LOSS)** |  |  |  |
|  Dividends | $10526 | $968 | $2082 |
| &nbsp;&nbsp;&nbsp;&nbsp; Net investment income (loss) | 10526 | 968 | 2082 |
|  **NET REALIZED AND UNREALIZED GAINS (LOSSES) ON INVESTMENTS** |  |  |  |
|  Realized gains (losses) on fund shares: |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Proceeds from sales | 15941 | 3560 | 4721 |
| &nbsp;&nbsp;&nbsp;&nbsp; Cost of investments sold | 13999 | 3876 | 3475 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Realized gains (losses) on fund shares | 1942 | (316) | 1246 |
|  Realized gain distributions | 65326 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Net realized gains (losses) | 67268 | (316) | 1246 |
|  Change in unrealized gains (losses) | 8606 | 33915 | 22489 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net realized and change in unrealized gains (losses) on investments | 75874 | 33599 | 23735 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** | $86400 | $34567 | $25817 |

---

<sup>1</sup> The high and low accumulation unit value ("AUV") are reported at the same amount where there is only one policy offered for investment in the sub-account. Otherwise, when more than one policy is available for investment, a high and low AUV are reported at different amounts. 

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2025 | 2025 | 2025 |
|  | AB VPS<br>Discovery Value<br>Portfolio -<br>Class A | AB VPS<br>International<br>Value<br> Class A | AB VPS<br>Relative Value<br>Portfolio -<br> Class A |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net investment income (loss) | $32 | $240 | $337 |
|  Net realized gains (losses) | 412 | 2383 | 2480 |
|  Change in unrealized gains (losses) | (328) | 1652 | 210 |
|  Increase (decrease) in net assets from operations | 116 | 4275 | 3027 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 732 | 615 | 2731 |
|  Transfers for policy benefits and terminations |  | (16906) |  |
|  Loans | 19 | (11) | 10 |
|  Policy maintenance charge | (581) | (352) | (1932) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 28 | (184) | 251 |
|  Increase (decrease) in net assets from policy transactions | 198 | (16838) | 1060 |
|  **INCREASE (DECREASE) IN NET ASSETS** | 314 | (12563) | 4087 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 3623 | 23277 | 28286 |
|  **NET ASSETS AT END OF PERIOD** | $3937 | $10714 | $32373 |
|  Accumulation Units outstanding at beginning of period | 93 | 2337 | 692 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units issued | 9 | 28 | 33 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units redeemed | (4) | (1606) | (8) |
|  Accumulation Units outstanding at end of period | 98 | 759 | 717 |
|  | 2025 | 2025 | 2025 |
|  | AB VPS<br> Small Cap<br>Growth<br> Class A | Alger<br> Balanced<br>Class I-2 | Alger<br> Capital<br>Appreciation<br>Class I-2 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net investment income (loss) | $— | $825 | $— |
|  Net realized gains (losses) | (359) | 3174 | 151378 |
|  Change in unrealized gains (losses) | 1673 | 306 | 44914 |
|  Increase (decrease) in net assets from operations | 1314 | 4305 | 196292 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 2096 | 4085 | 44191 |
|  Transfers for policy benefits and terminations |  |  | (37250) |
|  Loans | (1453) |  | (5358) |
|  Policy maintenance charge | (1183) | (2265) | (31349) |
|  Transfers among the sub-accounts and with the Fixed Account - net | (21) | (24) | (14412) |
|  Increase (decrease) in net assets from policy transactions | (561) | 1796 | (44178) |
|  **INCREASE (DECREASE) IN NET ASSETS** | 753 | 6101 | 152114 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 27167 | 25523 | 610646 |
|  **NET ASSETS AT END OF PERIOD** | $27920 | $31624 | $762760 |
|  Accumulation Units outstanding at beginning of period | 488 | 902 | 6637 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units issued | 38 | 92 | 646 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units redeemed | (47) | (26) | (1073) |
|  Accumulation Units outstanding at end of period | 479 | 968 | 6210 |

---

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2025 | 2025 | 2025 |
|  | Alger<br>Large Cap<br> Growth<br> Class I-2 | Alger<br>MidCap<br>Growth<br>Class I-2 | Alger<br>Small Cap<br>Growth Portfolio<br>Class I-2 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net investment income (loss) | $— | $— | $— |
|  Net realized gains (losses) | 82836 | 1804 | 814 |
|  Change in unrealized gains (losses) | 67994 | 99035 | 4257 |
|  Increase (decrease) in net assets from operations | 150830 | 100839 | 5071 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 14899 | 30945 | 13393 |
|  Transfers for policy benefits and terminations | (11863) | (6306) |  |
|  Loans | (7702) | (11110) |  |
|  Policy maintenance charge | (16866) | (22216) | (4854) |
|  Transfers among the sub-accounts and with the Fixed Account - net | (11902) | (157) | 4920 |
|  Increase (decrease) in net assets from policy transactions | (33434) | (8844) | 13459 |
|  **INCREASE (DECREASE) IN NET ASSETS** | 117396 | 91995 | 18530 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 513886 | 600762 | 63513 |
|  **NET ASSETS AT END OF PERIOD**  | $631282 | $692757 | $82043 |
|  Accumulation Units outstanding at beginning of period | 5978 | 8278 | 3494 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units issued | 72 | 337 | 811 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units redeemed | (404) | (529) | (43) |
|  Accumulation Units outstanding at end of period | 5646 | 8086 | 4262 |
|  | 2025 | 2025 | 2025 |
|  | DWS<br>Equity 500<br>Index VIP<br>Class A | DWS<br>Global Income<br>Builder VIP<br>Class A II | DWS<br>Small Cap<br>Index VIP<br>Class A |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net investment income (loss) | $2662 | $3602 | $844 |
|  Net realized gains (losses) | 25177 | 10308 | 3599 |
|  Change in unrealized gains (losses) | 13278 | (1837) | 3362 |
|  Increase (decrease) in net assets from operations | 41117 | 12073 | 7805 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 6055 | 4556 | 2525 |
|  Transfers for policy benefits and terminations | (5824) |  |  |
|  Loans | 383 | 28 | 105 |
|  Policy maintenance charge | (8183) | (4470) | (2870) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 346 | 2 | 1 |
|  Increase (decrease) in net assets from policy transactions | (7223) | 116 | (239) |
|  **INCREASE (DECREASE) IN NET ASSETS** | 33894 | 12189 | 7566 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 242739 | 76307 | 61905 |
|  **NET ASSETS AT END OF PERIOD** | $276633 | $88496 | $69471 |
|  Accumulation Units outstanding at beginning of period | 2370 | 2634 | 795 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units issued | 29 | 33 | 14 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units redeemed | (103) | (29) | (17) |
|  Accumulation Units outstanding at end of period | 2296 | 2638 | 792 |

---

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2025 | 2025 | 2025 |
|  | Fidelity<sup>®</sup> VIP<br>Asset Manager<br>50% Portfolio<br>Initial Class\* | Fidelity<sup>®</sup> VIP<br>ContrafundSM<br>Portfolio<br> Initial Class | Fidelity<sup>®</sup> VIP<br>Disciplined<br> Small Cap Portfolio<br> Initial Class |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net investment income (loss) | $2844 | $2914 | $441 |
|  Net realized gains (losses) | 6807 | 346437 | 3525 |
|  Change in unrealized gains (losses) | 6663 | 48560 | 4556 |
|  Increase (decrease) in net assets from operations | 16314 | 397911 | 8522 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 5523 | 70293 | 10654 |
|  Transfers for policy benefits and terminations | (13073) | (25095) |  |
|  Loans | (1152) | 349 |  |
|  Policy maintenance charge | (3591) | (66575) | (4650) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 54 | (9008) | (47) |
|  Increase (decrease) in net assets from policy transactions | (12239) | (30036) | 5957 |
|  **INCREASE (DECREASE) IN NET ASSETS** | 4075 | 367875 | 14479 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 113987 | 1864960 | 41931 |
|  **NET ASSETS AT END OF PERIOD**  | $118062 | $2232835 | $56410 |
|  Accumulation Units outstanding at beginning of period | 2861 | 16872 | 2119 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units issued | 74 | 353 | 352 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units redeemed | (358) | (778) | (43) |
|  Accumulation Units outstanding at end of period | 2577 | 16447 | 2428 |
|  | 2025 | 2025 | 2025 |
|  | Fidelity<sup>®</sup> VIP<br>Emerging<br>Markets Portfolio<br> Initial Class | Fidelity<sup>®</sup> VIP<br>Equity-Income<br>PortfolioSM<br> Initial Class | Fidelity<sup>®</sup> VIP<br>Government Money<br>Market Portfolio<br> Initial Class |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net investment income (loss) | $2242 | $26447 | $33933 |
|  Net realized gains (losses) | 2268 | 95220 |  |
|  Change in unrealized gains (losses) | 35243 | 131810 |  |
|  Increase (decrease) in net assets from operations | 39753 | 253477 | 33933 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 16287 | 54137 | 70696 |
|  Transfers for policy benefits and terminations | 284 | (49038) | (25129) |
|  Loans | (361) | (3378) | (18466) |
|  Policy maintenance charge | (9797) | (49553) | (38166) |
|  Transfers among the sub-accounts and with the Fixed Account - net | (5968) | (607) | 9993 |
|  Increase (decrease) in net assets from policy transactions | 445 | (48439) | (1072) |
|  **INCREASE (DECREASE) IN NET ASSETS** | 40198 | 205038 | 32861 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 94660 | 1351346 | 823733 |
|  **NET ASSETS AT END OF PERIOD** | $134858 | $1556384 | $856594 |
|  Accumulation Units outstanding at beginning of period | 5909 | 22527 | 51359 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units issued | 440 | 440 | 3190 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units redeemed | (405) | (1160) | (3186) |
|  Accumulation Units outstanding at end of period | 5944 | 21807 | 51363 |

---

\*See Note 2 for disclosure of changes to the names of the sub-accounts (and Funds) during 2025.

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2025 | 2025 | 2025 |
|  | Fidelity<sup>®</sup> VIP<br>Growth<br>& Income Portfolio<br>Initial Class | Fidelity<sup>®</sup> VIP<br>Growth Portfolio<br>Initial Class | Fidelity<sup>®</sup> VIP<br>High<br>Income Portfolio<br>Initial Class |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net investment income (loss) | $1190 | $6253 | $1717 |
|  Net realized gains (losses) | 9248 | 315088 | (54) |
|  Change in unrealized gains (losses) | 3495 | (18914) | 883 |
|  Increase (decrease) in net assets from operations | 13933 | 302427 | 2546 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 13374 | 67794 | 3578 |
|  Transfers for policy benefits and terminations | (6280) | (107426) |  |
|  Loans | (27) | (22242) |  |
|  Policy maintenance charge | (5486) | (71592) | (2784) |
|  Transfers among the sub-accounts and with the Fixed Account - net | (1) | (2599) | (1) |
|  Increase (decrease) in net assets from policy transactions | 1580 | (136065) | 793 |
|  **INCREASE (DECREASE) IN NET ASSETS** | 15513 | 166362 | 3339 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 67595 | 2099209 | 23944 |
|  **NET ASSETS AT END OF PERIOD** | $83108 | $2265571 | $27283 |
|  Accumulation Units outstanding at beginning of period | 1453 | 20736 | 1030 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units issued | 220 | 412 | 95 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units redeemed | (203) | (1814) | (62) |
|  Accumulation Units outstanding at end of period | 1470 | 19334 | 1063 |
|  | 2025 | 2025 | 2025 |
|  | Fidelity<sup>®</sup> VIP<br>Index 500 Portfolio<br>Initial Class | Fidelity<sup>®</sup> VIP<br>Index 500 Portfolio<br>Service Class | Fidelity<sup>®</sup> VIP<br>Investment Grade<br>Bond Portfolio<br>Initial Class |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net investment income (loss) | $32168 | $8483 | $16382 |
|  Net realized gains (losses) | 92977 | 56293 | (1100) |
|  Change in unrealized gains (losses) | 331834 | 67660 | 16150 |
|  Increase (decrease) in net assets from operations | 456979 | 132436 | 31432 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 236509 | 68554 | 37308 |
|  Transfers for policy benefits and terminations | (170315) | (105786) | (11489) |
|  Loans | (5707) | (3542) | (545) |
|  Policy maintenance charge | (135782) | (33145) | (20124) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 28240 | 1620 | 10025 |
|  Increase (decrease) in net assets from policy transactions | (47055) | (72299) | 15175 |
|  **INCREASE (DECREASE) IN NET ASSETS** | 409924 | 60137 | 46607 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 2602038 | 796171 | 426163 |
|  **NET ASSETS AT END OF PERIOD**  | $3011962 | $856308 | $472770 |
|  Accumulation Units outstanding at beginning of period | 54387 | 14143 | 22354 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units issued | 5071 | 692 | 1697 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units redeemed | (5929) | (1907) | (825) |
|  Accumulation Units outstanding at end of period | 53529 | 12928 | 23226 |

---

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2025 | 2025 | 2025 |
|  | Fidelity<sup>®</sup> VIP<br>Mid<br>Cap Portfolio<br>Initial Class | Fidelity<sup>®</sup> VIP<br>Overseas Portfolio<br>Initial Class | Fidelity<sup>®</sup> VIP<br> Real<br>Estate Portfolio<br>Initial Class |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net investment income (loss) | $464 | $6989 | $1480 |
|  Net realized gains (losses) | 11288 | 44565 | 179 |
|  Change in unrealized gains (losses) | (269) | 26810 | 955 |
|  Increase (decrease) in net assets from operations | 11483 | 78364 | 2614 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 21853 | 23591 | 12913 |
|  Transfers for policy benefits and terminations | (4046) | (16286) | (27553) |
|  Loans | (2166) | (992) | (2) |
|  Policy maintenance charge | (8433) | (19583) | (4122) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 4638 | (1445) | 10576 |
|  Increase (decrease) in net assets from policy transactions | 11846 | (14715) | (8188) |
|  **INCREASE (DECREASE) IN NET ASSETS** | 23329 | 63649 | (5574) |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 90438 | 387218 | 79836 |
|  **NET ASSETS AT END OF PERIOD**  | $113767 | $450867 | $74262 |
|  Accumulation Units outstanding at beginning of period | 3175 | 11741 | 4476 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units issued | 1059 | 387 | 1348 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units redeemed | (431) | (925) | (1565) |
|  Accumulation Units outstanding at end of period | 3803 | 11203 | 4259 |
|  | 2025 | 2025 | 2025 |
|  | Fidelity<sup>®</sup> VIP<br>Value Portfolio<br>Initial Class | Fidelity<sup>®</sup> VIP<br> Value<br>Strategies Portfolio<br>Initial Class | Franklin Templeton<br>Global Bond<br>VIP Fund Class 1 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net investment income (loss) | $97 | $250 | $— |
|  Net realized gains (losses) | 532 | 900 | (154) |
|  Change in unrealized gains (losses) | 84 | 597 | 4035 |
|  Increase (decrease) in net assets from operations | 713 | 1747 | 3881 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 1736 | 1445 | 1939 |
|  Transfers for policy benefits and terminations | (495) |  |  |
|  Loans |  |  | (6) |
|  Policy maintenance charge | (939) | (944) | (1876) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 91 | 10 | 83 |
|  Increase (decrease) in net assets from policy transactions | 393 | 511 | 140 |
|  **INCREASE (DECREASE) IN NET ASSETS** | 1106 | 2258 | 4021 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 6127 | 21443 | 24027 |
|  **NET ASSETS AT END OF PERIOD** | $7233 | $23701 | $28048 |
|  Accumulation Units outstanding at beginning of period | 280 | 512 | 1748 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units issued | 47 | 21 | 71 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units redeemed | (30) | (8) | (62) |
|  Accumulation Units outstanding at end of period | 297 | 525 | 1757 |

---

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2025 | 2025 | 2025 |
|  | Franklin Templeton<br>Income<br>VIP Fund Class 1 | Franklin Templeton<br>Mutual Global<br>Discovery<br>VIP Fund Class 1 | Franklin Templeton<br>Mutual<br>Shares<br>VIP Fund Class 1 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net investment income (loss) | $1497 | $144 | $105 |
|  Net realized gains (losses) | 296 | 721 | 456 |
|  Change in unrealized gains (losses) | 1826 | 582 | (47) |
|  Increase (decrease) in net assets from operations | 3619 | 1447 | 514 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 1962 | 897 | 477 |
|  Transfers for policy benefits and terminations |  |  |  |
|  Loans | (20) |  |  |
|  Policy maintenance charge | (1398) | (644) | (311) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 186 | (96) | (7) |
|  Increase (decrease) in net assets from policy transactions | 730 | 157 | 159 |
|  **INCREASE (DECREASE) IN NET ASSETS** | 4349 | 1604 | 673 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 27677 | 6070 | 4251 |
|  **NET ASSETS AT END OF PERIOD** | $32026 | $7674 | $4924 |
|  Accumulation Units outstanding at beginning of period | 1085 | 215 | 160 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units issued | 41 | 12 | 7 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units redeemed | (13) | (7) | (1) |
|  Accumulation Units outstanding at end of period | 1113 | 220 | 166 |
|  | 2025 | 2025 | 2025 |
|  | Franklin Templeton<br>Small<br> Cap Value<br> VIP Fund Class 1 | Franklin Templeton<br>Small-Mid<br> Cap Growth<br> VIP Fund Class 1 | Franklin Templeton<br>Strategic<br>Income<br> VIP Fund Class 1 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net investment income (loss) | $738 | $— | $1065 |
|  Net realized gains (losses) | 4239 | 2377 | (1357) |
|  Change in unrealized gains (losses) | (900) | (809) | 1492 |
|  Increase (decrease) in net assets from operations | 4077 | 1568 | 1200 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 5104 | 1559 | 972 |
|  Transfers for policy benefits and terminations | (29098) | (13946) | (13517) |
|  Loans | 21 |  | (7) |
|  Policy maintenance charge | (3345) | (1362) | (550) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 1352 | (4) | 77 |
|  Increase (decrease) in net assets from policy transactions | (25966) | (13753) | (13025) |
|  **INCREASE (DECREASE) IN NET ASSETS** | (21889) | (12185) | (11825) |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 79148 | 38893 | 20470 |
|  **NET ASSETS AT END OF PERIOD** | $57259 | $26708 | $8645 |
|  Accumulation Units outstanding at beginning of period | 2039 | 876 | 1097 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units issued | 101 | 18 | 40 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units redeemed | (773) | (308) | (706) |
|  Accumulation Units outstanding at end of period | 1367 | 586 | 431 |

---

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2025 | 2025 | 2025 |
|  | Franklin Templeton<br>U.S. Government<br>Securities<br>VIP Fund Class 1 | Invesco V.I.<br>American<br>Franchise | Invesco V.I.<br>American<br>Value |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net investment income (loss) | $501 | $— | $803 |
|  Net realized gains (losses) | (569) | 57213 | 27590 |
|  Change in unrealized gains (losses) | 1141 | 209 | 5471 |
|  Increase (decrease) in net assets from operations | 1073 | 57422 | 33864 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 662 | 13321 | 8671 |
|  Transfers for policy benefits and terminations | (3175) | (6038) | (1218) |
|  Loans |  | (7000) | 13 |
|  Policy maintenance charge | (599) | (17296) | (8735) |
|  Transfers among the sub-accounts and with the Fixed Account - net | (109) | (2656) | (3351) |
|  Increase (decrease) in net assets from policy transactions | (3221) | (19669) | (4620) |
|  **INCREASE (DECREASE) IN NET ASSETS** | (2148) | 37753 | 29244 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 17323 | 498075 | 163928 |
|  **NET ASSETS AT END OF PERIOD** | $15175 | $535828 | $193172 |
|  Accumulation Units outstanding at beginning of period | 1272 | 8939 | 2664 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units issued | 52 | 131 | 89 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units redeemed | (283) | (458) | (126) |
|  Accumulation Units outstanding at end of period | 1041 | 8612 | 2627 |
|  | 2025 | 2025 | 2025 |
|  | Invesco V.I.<br>Core Equity | Invesco V.I.<br>Core Plus Bond<br>Fund - Series I | Invesco V.I.<br>Discovery<br>Mid Cap Growth<br>Fund - Series I |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net investment income (loss) | $327 | $370 | $— |
|  Net realized gains (losses) | 3831 | 10 | 33462 |
|  Change in unrealized gains (losses) | 3015 | 257 | (15606) |
|  Increase (decrease) in net assets from operations | 7173 | 637 | 17856 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 1785 | 1368 | 22600 |
|  Transfers for policy benefits and terminations |  | (2956) | (10478) |
|  Loans | 7457 |  | (6718) |
|  Policy maintenance charge | (1239) | (669) | (14107) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 256 | 38 | 4904 |
|  Increase (decrease) in net assets from policy transactions | 8259 | (2219) | (3799) |
|  **INCREASE (DECREASE) IN NET ASSETS** | 15432 | (1582) | 14057 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 38193 | 10635 | 356474 |
|  **NET ASSETS AT END OF PERIOD** | $53625 | $9053 | $370531 |
|  Accumulation Units outstanding at beginning of period | 842 | 1021 | 7616 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units issued | 188 | 95 | 653 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units redeemed | (12) | (304) | (500) |
|  Accumulation Units outstanding at end of period | 1018 | 812 | 7769 |

---

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2025 | 2025 | 2025 |
|  | Invesco V.I.<br>Diversified<br>Dividend Fund<br>Series I | Invesco V.I.<br>Equity and<br>Income<br>Fund - Series I | Invesco V.I.<br>EQV International<br>Equity<br>Fund - Series I |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net investment income (loss) | $93 | $864 | $141 |
|  Net realized gains (losses) | 720 | 2259 | 712 |
|  Change in unrealized gains (losses) | 206 | 1745 | 818 |
|  Increase (decrease) in net assets from operations | 1019 | 4868 | 1671 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 1836 | 4525 | 2031 |
|  Transfers for policy benefits and terminations | (5888) |  | (4059) |
|  Loans |  |  |  |
|  Policy maintenance charge | (655) | (3070) | (1475) |
|  Transfers among the sub-accounts and with the Fixed Account - net | (24) | 97 | 348 |
|  Increase (decrease) in net assets from policy transactions | (4731) | 1552 | (3155) |
|  **INCREASE (DECREASE) IN NET ASSETS** | (3712) | 6420 | (1484) |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 10015 | 37302 | 11919 |
|  **NET ASSETS AT END OF PERIOD** | $6303 | $43722 | $10435 |
|  Accumulation Units outstanding at beginning of period | 572 | 3466 | 870 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units issued | 67 | 270 | 89 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units redeemed | (328) | (134) | (305) |
|  Accumulation Units outstanding at end of period | 311 | 3602 | 654 |
|  | 2025 | 2025 | 2025 |
|  | Invesco V.I.<br>Global Fund -<br>Series I | Invesco V.I.<br>Global Fund -<br>Series II | Invesco V.I.<br>Global<br>Strategic Income<br>Fund - Series I |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $— | $— | $542 |
|  Net realized gains (losses) | 6792 | 120419 | (22) |
|  Change in unrealized gains (losses) | (1757) | (34915) | 600 |
|  Increase (decrease) in net assets from operations | 5035 | 85504 | 1120 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 2401 | 25384 | 1468 |
|  Transfers for policy benefits and terminations | (1489) | (14569) |  |
|  Loans |  | 4214 |  |
|  Policy Maintenance Charge | (1556) | (19892) | (1787) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 736 | 2836 | 51 |
|  Increase (decrease) in net assets from policy transactions | 92 | (2027) | (268) |
|  **INCREASE (DECREASE) IN NET ASSETS** | 5127 | 83477 | 852 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 32380 | 562819 | 8696 |
|  **NET ASSETS AT END OF PERIOD** | $37507 | $646296 | $9548 |
|  Accumulation Units outstanding at beginning of period | 864 | 9807 | 559 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 62 | 272 | 95 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (58) | (288) | (111) |
|  Accumulation Units outstanding at end of period | 868 | 9791 | 543 |

---

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2025 | 2025 | 2025 |
|  | Invesco V.I.<br>Government<br>Securities | Invesco V.I.<br>Growth and<br>Income Fund<br>Series I | Invesco V.I.<br>High Yield |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net investment income (loss) | $1961 | $6616 | $7070 |
|  Net realized gains (losses) | (323) | 36151 | (36) |
|  Change in unrealized gains (losses) | 2727 | 22962 | (690) |
|  Increase (decrease) in net assets from operations | 4365 | 65729 | 6344 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 5102 | 18267 | 11740 |
|  Transfers for policy benefits and terminations | (2543) | (6059) |  |
|  Loans | (33) | (418) | 17 |
|  Policy maintenance charge | (3939) | (15440) | (6348) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 1055 | (485) | 1692 |
|  Increase (decrease) in net assets from policy transactions | (358) | (4135) | 7101 |
|  **INCREASE (DECREASE) IN NET ASSETS** | 4007 | 61594 | 13445 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 58939 | 422737 | 91126 |
|  **NET ASSETS AT END OF PERIOD** | $62946 | $484331 | $104571 |
|  Accumulation Units outstanding at beginning of period | 4846 | 6152 | 6180 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units issued | 417 | 132 | 598 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units redeemed | (442) | (178) | (90) |
|  Accumulation Units outstanding at end of period | 4821 | 6106 | 6688 |
|  | 2025 | 2025 | 2025 |
|  | Invesco V.I.<br>International<br>Growth Fund\* | Invesco V.I.<br>Main Street<br>Fund<sup>®</sup> - Series I | Invesco V.I.<br> Main Street<br>MidCap<br>Fund - Series I |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net investment income (loss) | $414 | $109 | $565 |
|  Net realized gains (losses) | 9481 | 1224 | 16978 |
|  Change in unrealized gains (losses) | 8110 | 1558 | (2495) |
|  Increase (decrease) in net assets from operations | 18005 | 2891 | 15048 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 9660 | 875 | 9414 |
|  Transfers for policy benefits and terminations | (17292) |  | (8458) |
|  Loans | (1133) |  | (8406) |
|  Policy maintenance charge | (6036) | (616) | (5974) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 440 | 9 | 140 |
|  Increase (decrease) in net assets from policy transactions | (14361) | 268 | (13284) |
|  **INCREASE (DECREASE) IN NET ASSETS** | 3644 | 3159 | 1764 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 119499 | 18159 | 172857 |
|  **NET ASSETS AT END OF PERIOD** | $123143 | $21318 | $174621 |
|  Accumulation Units outstanding at beginning of period | 3395 | 774 | 3778 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units issued | 154 | 22 | 116 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units redeemed | (885) | (13) | (399) |
|  Accumulation Units outstanding at end of period | 2664 | 783 | 3495 |

---

\*See Note 2 for disclosure of changes to the names of the sub-accounts (and Funds) during 2025.

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2025 | 2025 | 2025 |
|  | Invesco V.I.<br>Main Street<br>Small Cap<br>Fund<sup>®</sup> - Series I | Janus Henderson<br>Balanced<br>Portfolio<br>Institutional Shares | Janus Henderson<br>Balanced Portfolio<br>Service Shares |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net investment income (loss) | $4866 | $700 | $11324 |
|  Net realized gains (losses) | 114709 | 2183 | 22481 |
|  Change in unrealized gains (losses) | (28215) | 1930 | 57388 |
|  Increase (decrease) in net assets from operations | 91360 | 4813 | 91193 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 55984 | 5252 | 28678 |
|  Transfers for policy benefits and terminations | (9971) | (3460) |  |
|  Loans | (5607) | 11 | 1383 |
|  Policy maintenance charge | (36945) | (3831) | (26043) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 7532 | (235) | (1184) |
|  Increase (decrease) in net assets from policy transactions | 10993 | (2263) | 2834 |
|  **INCREASE (DECREASE) IN NET ASSETS** | 102353 | 2550 | 94027 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 1039094 | 32839 | 613125 |
|  **NET ASSETS AT END OF PERIOD**  | $1141447 | $35389 | $707152 |
|  Accumulation Units outstanding at beginning of period | 10365 | 1023 | 9733 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units issued | 445 | 86 | 137 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units redeemed | (264) | (168) | (94) |
|  Accumulation Units outstanding at end of period | 10546 | 941 | 9776 |
|  | 2025 | 2025 | 2025 |
|  | Janus Henderson<br>Enterprise<br>Portfolio<br>Institutional Shares | Janus Henderson<br>Flexible<br>Bond Portfolio<br>Institutional Shares | Janus Henderson<br>Forty<br>Portfolio<br>Institutional Shares |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net investment income (loss) | $184 | $2136 | $131 |
|  Net realized gains (losses) | 6797 | (368) | 24627 |
|  Change in unrealized gains (losses) | (79) | 1134 | 6248 |
|  Increase (decrease) in net assets from operations | 6902 | 2902 | 31006 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 16480 | 3435 | 8493 |
|  Transfers for policy benefits and terminations | 883 | (1594) | (6975) |
|  Loans | (15) |  | (1) |
|  Policy maintenance charge | (5823) | (3187) | (7108) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 7204 | 525 | (2563) |
|  Increase (decrease) in net assets from policy transactions | 18729 | (821) | (8154) |
|  **INCREASE (DECREASE) IN NET ASSETS** | 25631 | 2081 | 22852 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 78022 | 39742 | 177552 |
|  **NET ASSETS AT END OF PERIOD**  | $103653 | $41823 | $200404 |
|  Accumulation Units outstanding at beginning of period | 1457 | 2990 | 1854 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units issued | 417 | 213 | 93 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units redeemed | (67) | (281) | (269) |
|  Accumulation Units outstanding at end of period | 1807 | 2922 | 1678 |

---

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2025 | 2025 | 2025 |
|  | Janus Henderson<br>Global Research<br>Portfolio<br> Service Shares | Janus Henderson<br>Glob.Tech. and<br>Innovation Portfolio<br>Institutional Shares | Janus Henderson<br>Mid Cap Value<br>Portfolio<br>Institutional Shares |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net investment income (loss) | $326 | $— | $395 |
|  Net realized gains (losses) | 8735 | 23274 | 4275 |
|  Change in unrealized gains (losses) | 5250 | 15567 | (1617) |
|  Increase (decrease) in net assets from operations | 14311 | 38841 | 3053 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 2715 | 20318 | 7428 |
|  Transfers for policy benefits and terminations | (3234) | (17216) |  |
|  Loans |  |  | 3 |
|  Policy maintenance charge | (1967) | (9887) | (2619) |
|  Transfers among the sub-accounts and with the Fixed Account - net | (937) | (4647) | 2334 |
|  Increase (decrease) in net assets from policy transactions | (3423) | (11432) | 7146 |
|  **INCREASE (DECREASE) IN NET ASSETS** | 10888 | 27409 | 10199 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 70516 | 151897 | 42145 |
|  **NET ASSETS AT END OF PERIOD** | $81404 | $179306 | $52344 |
|  Accumulation Units outstanding at beginning of period | 1117 | 2793 | 2166 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units issued | 20 | 207 | 387 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units redeemed | (67) | (528) | (22) |
|  Accumulation Units outstanding at end of period | 1070 | 2472 | 2531 |
|  | 2025 | 2025 | 2025 |
|  | Janus Henderson<br>Mid Cap Value<br>Portfolio<br> Service Shares | Janus Henderson<br>Overseas Portfolio<br>Institutional Shares | Janus Henderson<br>Overseas<br>Portfolio<br>Service Shares |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net investment income (loss) | $1558 | $571 | $1430 |
|  Net realized gains (losses) | 23512 | 3696 | 1288 |
|  Change in unrealized gains (losses) | (10750) | 6168 | 24094 |
|  Increase (decrease) in net assets from operations | 14320 | 10435 | 26812 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 11009 | 10479 | 5822 |
|  Transfers for policy benefits and terminations | (4005) | (16534) | (742) |
|  Loans | (3852) | 73 | 146 |
|  Policy maintenance charge | (7894) | (1970) | (2983) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 4702 | 598 | (2189) |
|  Increase (decrease) in net assets from policy transactions | (40) | (7354) | 54 |
|  **INCREASE (DECREASE) IN NET ASSETS** | 14280 | 3081 | 26866 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 224597 | 44420 | 93121 |
|  **NET ASSETS AT END OF PERIOD**  | $238877 | $47501 | $119987 |
|  Accumulation Units outstanding at beginning of period | 4400 | 3160 | 6862 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units issued | 191 | 709 | 288 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units redeemed | (188) | (1247) | (273) |
|  Accumulation Units outstanding at end of period | 4403 | 2622 | 6877 |

---

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2025 | 2025 | 2025 |
|  | Janus Henderson<br>Research Portfolio<br>Institutional Shares | Lazard Retirement<br>Emerging<br>Markets<br> Equity Portfolio | Legg Mason<br>ClearBridge Variable<br>Large Cap Value<br>Portfolio Class I |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net investment income (loss) | $4 | $1043 | $2428 |
|  Net realized gains (losses) | 403 | 234 | 20921 |
|  Change in unrealized gains (losses) | 136 | 11920 | (2271) |
|  Increase (decrease) in net assets from operations | 543 | 13197 | 21078 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 1003 | 1768 | 14565 |
|  Transfers for policy benefits and terminations | 272 |  | (18635) |
|  Loans |  | 13 | 230 |
|  Policy maintenance charge | (1459) | (927) | (11200) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 481 | (777) | 1805 |
|  Increase (decrease) in net assets from policy transactions | 297 | 77 | (13235) |
|  **INCREASE (DECREASE) IN NET ASSETS** | 840 | 13274 | 7843 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 2371 | 31460 | 212900 |
|  **NET ASSETS AT END OF PERIOD** | $3211 | $44734 | $220743 |
|  Accumulation Units outstanding at beginning of period | 75 | 439 | 4056 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units issued | 37 | 13 | 143 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units redeemed | (26) | (11) | (383) |
|  Accumulation Units outstanding at end of period | 86 | 441 | 3816 |
|  | 2025 | 2025 | 2025 |
|  | Legg Mason<br> Western Assets<br>Variable<br>Global High<br> Yield Bond<br> Portfolio Class I | MFS<sup>®</sup> High<br>Yield Portfolio<br>Initial Class | MFS<sup>®</sup> Investors<br>Trust<br> Series Initial Class |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net investment income (loss) | $9612 | $5821 | $483 |
|  Net realized gains (losses) | (830) | (235) | 12468 |
|  Change in unrealized gains (losses) | 4742 | 1535 | (9099) |
|  Increase (decrease) in net assets from operations | 13524 | 7121 | 3852 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 7403 | 4704 | 866 |
|  Transfers for policy benefits and terminations | (6834) | (1424) |  |
|  Loans | 112 | (836) | (18) |
|  Policy maintenance charge | (6501) | (2592) | (1087) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 951 | 1040 | (24) |
|  Increase (decrease) in net assets from policy transactions | (4869) | 892 | (263) |
|  **INCREASE (DECREASE) IN NET ASSETS** | 8655 | 8013 | 3589 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 136714 | 81052 | 28384 |
|  **NET ASSETS AT END OF PERIOD** | $145369 | $89065 | $31973 |
|  Accumulation Units outstanding at beginning of period | 4789 | 5007 | 425 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units issued | 138 | 233 | 7 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units redeemed | (296) | (176) | (11) |
|  Accumulation Units outstanding at end of period | 4631 | 5064 | 421 |

---

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2025 | 2025 | 2025 |
|  | MFS<sup>®</sup> Mass.<br> Investors Growth<br>Stock Portfolio<br>Initial Class | MFS<sup>®</sup> New<br>Discovery<br> Series Initial Class | MFS<sup>®</sup> Total<br>Return<br> Series Initial<br> Class |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net investment income (loss) | $358 | $— | $4965 |
|  Net realized gains (losses) | 20811 | (2444) | 13453 |
|  Change in unrealized gains (losses) | (8242) | 36591 | 787 |
|  Increase (decrease) in net assets from operations | 12927 | 34147 | 19205 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 4286 | 11231 | 9503 |
|  Transfers for policy benefits and terminations | (5943) | (10159) | (7288) |
|  Loans | (4498) | (7945) | 152 |
|  Policy maintenance charge | (3526) | (8858) | (6501) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 449 | 418 | 607 |
|  Increase (decrease) in net assets from policy transactions | (9232) | (15313) | (3527) |
|  **INCREASE (DECREASE) IN NET ASSETS** | 3695 | 18834 | 15678 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 134954 | 271810 | 172682 |
|  **NET ASSETS AT END OF PERIOD**  | $138649 | $290644 | $188360 |
|  Accumulation Units outstanding at beginning of period | 3964 | 2672 | 3321 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units issued | 87 | 66 | 120 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units redeemed | (346) | (208) | (182) |
|  Accumulation Units outstanding at end of period | 3705 | 2530 | 3259 |
|  | 2025 | 2025 | 2025 |
|  | MFS<sup>®</sup> Utilities<br>Series Initial Class | MFS<sup>®</sup> Value<br>Series Initial Class | Morgan Stanley<br>VIF Emerging<br> Markets Equity<br>Portfolio Class I |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net investment income (loss) | $3426 | $1559 | $85 |
|  Net realized gains (losses) | 2460 | 7565 | 1098 |
|  Change in unrealized gains (losses) | 10467 | 2620 | 5440 |
|  Increase (decrease) in net assets from operations | 16353 | 11744 | 6623 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 4917 | 4872 | 2183 |
|  Transfers for policy benefits and terminations |  | (1333) | (18702) |
|  Loans | (1247) | 82 | 43 |
|  Policy maintenance charge | (5169) | (3784) | (1055) |
|  Transfers among the sub-accounts and with the Fixed Account - net | (451) | 3 | (353) |
|  Increase (decrease) in net assets from policy transactions | (1950) | (160) | (17884) |
|  **INCREASE (DECREASE) IN NET ASSETS** | 14403 | 11584 | (11261) |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 109350 | 89954 | 36041 |
|  **NET ASSETS AT END OF PERIOD** | $123753 | $101538 | $24780 |
|  Accumulation Units outstanding at beginning of period | 1071 | 1554 | 3080 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units issued | 31 | 37 | 123 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units redeemed | (48) | (39) | (1610) |
|  Accumulation Units outstanding at end of period | 1054 | 1552 | 1593 |

---

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2025 | 2025 | 2025 |
|  | Morgan Stanley<br>VIF<br> Growth<br> Portfolio Class I | Morningstar<br>Aggressive Growth<br>ETF Asset Allocation<br>Portfolio Class I | Morningstar<br>Balanced ETF<br>Asset Allocation<br>Portfolio Class I |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net investment income (loss) | $— | $12553 | $14586 |
|  Net realized gains (losses) | 5295 | 88758 | 75793 |
|  Change in unrealized gains (losses) | 82683 | 70300 | (441) |
|  Increase (decrease) in net assets from operations | 87978 | 171611 | 89938 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 12825 | 141382 | 124533 |
|  Transfers for policy benefits and terminations | (5073) | (62556) | (28618) |
|  Loans | (76) | (37147) | (6101) |
|  Policy maintenance charge | (8578) | (72994) | (72420) |
|  Transfers among the sub-accounts and with the Fixed Account - net | (19614) | (650) | (599) |
|  Increase (decrease) in net assets from policy transactions | (20516) | (31965) | 16795 |
|  **INCREASE (DECREASE) IN NET ASSETS** | 67462 | 139646 | 106733 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 254521 | 863702 | 595182 |
|  **NET ASSETS AT END OF PERIOD**  | $321983 | $1003348 | $701915 |
|  Accumulation Units outstanding at beginning of period | 2396 | 36466 | 30820 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units issued | 77 | 3568 | 3367 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units redeemed | (242) | (3896) | (2119) |
|  Accumulation Units outstanding at end of period | 2231 | 36138 | 32068 |
|  | 2025 | 2025 | 2025 |
|  | Morningstar<br>Conservative ETF<br>Asset Allocation<br>Portfolio Class I | Morningstar<br>Growth ETF<br>Asset Allocation<br>Portfolio Class I | Morningstar<br>Income and<br>Growth ETF<br>Asset Allocation<br>Portfolio Class I |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net investment income (loss) | $1061 | $22832 | $7705 |
|  Net realized gains (losses) | 452 | 128062 | 24359 |
|  Change in unrealized gains (losses) | 3678 | 76293 | (587) |
|  Increase (decrease) in net assets from operations | 5191 | 227187 | 31477 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 8446 | 189556 | 42293 |
|  Transfers for policy benefits and terminations | (41335) | (195424) | (25274) |
|  Loans |  | (2238) | (16) |
|  Policy maintenance charge | (5035) | (116784) | (24230) |
|  Transfers among the sub-accounts and with the Fixed Account - net | (90) | (44327) | (2439) |
|  Increase (decrease) in net assets from policy transactions | (38014) | (169217) | (9666) |
|  **INCREASE (DECREASE) IN NET ASSETS** | (32823) | 57970 | 21811 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 70652 | 1405047 | 276067 |
|  **NET ASSETS AT END OF PERIOD** | $37829 | $1463017 | $297878 |
|  Accumulation Units outstanding at beginning of period | 4368 | 61892 | 14735 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units issued | 333 | 3992 | 1302 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units redeemed | (2514) | (11903) | (1676) |
|  Accumulation Units outstanding at end of period | 2187 | 53981 | 14361 |

---

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2025 | 2025 | 2025 |
|  | PIMCO VIT<br> Int. Bond<br>U.S. Dollar-Hedged<br>Admin. Shares | PIMCO VIT Real<br>Return<br> Portfolio<br> Admin. Shares | PIMCO VIT<br>Total Return<br>Portfolio<br>Admin. Shares |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net investment income (loss) | $2410 | $5741 | $12810 |
|  Net realized gains (losses) | (65) | (411) | (1849) |
|  Change in unrealized gains (losses) | 345 | 7565 | 15696 |
|  Increase (decrease) in net assets from operations | 2690 | 12895 | 26657 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 5753 | 8002 | 20122 |
|  Transfers for policy benefits and terminations | (711) | (6011) | (11926) |
|  Loans | 169 | 479 | (1777) |
|  Policy maintenance charge | (3440) | (6759) | (13487) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 441 | 5728 | 8315 |
|  Increase (decrease) in net assets from policy transactions | 2212 | 1439 | 1247 |
|  **INCREASE (DECREASE) IN NET ASSETS** | 4902 | 14334 | 27904 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 66935 | 161841 | 294283 |
|  **NET ASSETS AT END OF PERIOD** | $71837 | $176175 | $322187 |
|  Accumulation Units outstanding at beginning of period | 2518 | 7836 | 12405 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units issued | 142 | 475 | 816 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units redeemed | (61) | (402) | (749) |
|  Accumulation Units outstanding at end of period | 2599 | 7909 | 12472 |
|  | 2025 | 2025 | 2025 |
|  | Putnam<br> VT High Yield<br>Fund Class IA | Putnam<br> VT International<br>Value Fund<br> Class IA | T. Rowe Price<br>Blue Chip Growth<br>Portfolio I |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net investment income (loss) | $7240 | $768 | $— |
|  Net realized gains (losses) | (313) | 1110 | 54240 |
|  Change in unrealized gains (losses) | 2863 | 14719 | 9555 |
|  Increase (decrease) in net assets from operations | 9790 | 16597 | 63795 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 5198 | 2478 | 10566 |
|  Transfers for policy benefits and terminations | (1862) |  | (12771) |
|  Loans | (907) | (2) | (16462) |
|  Policy maintenance charge | (3511) | (1596) | (13666) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 881 | (1437) | (2485) |
|  Increase (decrease) in net assets from policy transactions | (201) | (557) | (34818) |
|  **INCREASE (DECREASE) IN NET ASSETS** | 9589 | 16040 | 28977 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 110343 | 47067 | 356795 |
|  **NET ASSETS AT END OF PERIOD**  | $119932 | $63107 | $385772 |
|  Accumulation Units outstanding at beginning of period | 2637 | 1100 | 3579 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units issued | 112 | 27 | 49 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units redeemed | (116) | (35) | (369) |
|  Accumulation Units outstanding at end of period | 2633 | 1092 | 3259 |

---

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2025 | 2025 | 2025 |
|  | T. Rowe Price<br>Equity Income<br>Portfolio I | VanEck VIP<br>Emerging<br> Markets<br> Fund Initial Class | VanEck VIP<br>Global<br> Resources<br> Fund - Initial Class |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net investment income (loss) | $10526 | $968 | $2082 |
|  Net realized gains (losses) | 67268 | (316) | 1246 |
|  Change in unrealized gains (losses) | 8606 | 33915 | 22489 |
|  Increase (decrease) in net assets from operations | 86400 | 34567 | 25817 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 22928 | 8832 | 8140 |
|  Transfers for policy benefits and terminations | (9970) | (3495) |  |
|  Loans | 948 | 4087 | (3253) |
|  Policy maintenance charge | (20185) | (4426) | (3330) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 7700 | (26) | (1046) |
|  Increase (decrease) in net assets from policy transactions | 1421 | 4972 | 511 |
|  **INCREASE (DECREASE) IN NET ASSETS** | 87821 | 39539 | 26328 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 599933 | 111948 | 68511 |
|  **NET ASSETS AT END OF PERIOD**  | $687754 | $151487 | $94839 |
|  Accumulation Units outstanding at beginning of period | 8792 | 3002 | 2150 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units issued | 242 | 210 | 145 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units redeemed | (221) | (85) | (114) |
|  Accumulation Units outstanding at end of period | 8813 | 3127 | 2181 |

---

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2024 | 2024 | 2024 |
|  | AB VPS<br> Discovery Value<br>Portfolio -<br> Class A | AB VPS<br>International<br> Value<br> Class A | AB VPS<br> Relative Value<br>Portfolio -<br> Class A |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $30 | $615 | $399 |
|  Net realized gains (losses) | 154 | 19 | 992 |
|  Change in unrealized gains (losses) | 124 | 321 | 1810 |
|  Increase (decrease) in net assets from operations | 308 | 955 | 3201 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 729 | 1088 | 2750 |
|  Transfers for contract benefits and terminations | (1070) |  |  |
|  Loan - net | 28 | (15) | 7 |
|  Policy Maintenance Charge | (522) | (526) | (1988) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 23 | 1717 | (108) |
|  Increase (decrease) in net assets from policy transactions | (812) | 2264 | 661 |
|  **INCREASE (DECREASE) IN NET ASSETS** | (504) | 3219 | 3862 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 4127 | 20058 | 24424 |
|  **NET ASSETS AT END OF PERIOD** | $3623 | $23277 | $28286 |
|  Accumulation Units outstanding at beginning of period | 117 | 2116 | 675 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 12 | 240 | 29 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (36) | (19) | (12) |
|  Accumulation Units outstanding at end of period | 93 | 2337 | 692 |
|  | 2024 | 2024 | 2024 |
|  | AB VPS<br> Small Cap<br> Growth<br> Class A | Alger<br> Balanced<br> Class I-2 | Alger<br> Capital<br>Appreciation<br>Class I-2 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $96 | $— | $— |
|  Net realized gains (losses) | (6063) | 1651 | 17345 |
|  Change in unrealized gains (losses) | 12872 | 2768 | 191521 |
|  Increase (decrease) in net assets from operations | 6905 | 4419 | 208866 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 2930 | 4943 | 46682 |
|  Transfers for contract benefits and terminations | (25720) | (7320) | (47161) |
|  Loan - net | 529 |  | (7386) |
|  Policy Maintenance Charge | (2043) | (2818) | (31395) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 61 | (428) | (16381) |
|  Increase (decrease) in net assets from policy transactions | (24243) | (5623) | (55641) |
|  **INCREASE (DECREASE) IN NET ASSETS** | (17338) | (1204) | 153225 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 44505 | 26727 | 457421 |
|  **NET ASSETS AT END OF PERIOD** | $27167 | $25523 | $610646 |
|  Accumulation Units outstanding at beginning of period | 949 | 1162 | 7098 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 50 | 128 | 669 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (511) | (388) | (1130) |
|  Accumulation Units outstanding at end of period | 488 | 902 | 6637 |

---

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2024 | 2024 | 2024 |
|  | Alger<br> Large Cap<br>Growth<br> Class I-2 | Alger<br> MidCap<br> Growth<br> Class I-2 | Alger<br> Small Cap<br> Growth Portfolio<br>Class I-2 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $— | $— | $239 |
|  Net realized gains (losses) | 12415 | (8814) | (1175) |
|  Change in unrealized gains (losses) | 151745 | 119452 | 5192 |
|  Increase (decrease) in net assets from operations | 164160 | 110638 | 4256 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 16781 | 39174 | 15418 |
|  Transfers for contract benefits and terminations | (55911) | (82545) | (4894) |
|  Loans | (1403) | (2862) |  |
|  Policy Maintenance Charge | (17285) | (22685) | (4846) |
|  Transfers among the sub-accounts and with the Fixed Account - net | (7220) | (1623) | 2283 |
|  Increase (decrease) in net assets from policy transactions | (65038) | (70541) | 7961 |
|  **INCREASE (DECREASE) IN NET ASSETS** | 99122 | 40097 | 12217 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 414764 | 560665 | 51296 |
|  **NET ASSETS AT END OF PERIOD** | $513886 | $600762 | $63513 |
|  Accumulation Units outstanding at beginning of period | 6870 | 9480 | 3051 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 174 | 604 | 733 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (1066) | (1806) | (290) |
|  Accumulation Units outstanding at end of period | 5978 | 8278 | 3494 |
|  | 2024 | 2024 | 2024 |
|  | DWS<br> Equity 500<br>Index VIP<br> Class A | DWS<br> Global Income<br>Builder VIP<br>Class A II | DWS<br> Small Cap<br> Index VIP<br> Class A |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $3088 | $2651 | $679 |
|  Net realized gains (losses) | 30712 | 211 | 1569 |
|  Change in unrealized gains (losses) | 19178 | 3789 | 3943 |
|  Increase (decrease) in net assets from operations | 52978 | 6651 | 6191 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 7725 | 4745 | 2767 |
|  Transfers for contract benefits and terminations | (38675) |  | 50 |
|  Loans | (8946) | 31 | 344 |
|  Policy Maintenance Charge | (8239) | (4315) | (3024) |
|  Transfers among the sub-accounts and with the Fixed Account - net | (603) | (3454) | (12) |
|  Increase (decrease) in net assets from policy transactions | (48738) | (2993) | 125 |
|  **INCREASE (DECREASE) IN NET ASSETS** | 4240 | 3658 | 6316 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 238499 | 72649 | 55589 |
|  **NET ASSETS AT END OF PERIOD** | $242739 | $76307 | $61905 |
|  Accumulation Units outstanding at beginning of period | 2902 | 2736 | 793 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 42 | 46 | 24 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (574) | (148) | (22) |
|  Accumulation Units outstanding at end of period | 2370 | 2634 | 795 |

---

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2024 | 2024 | 2024 |
|  | Fidelity<sup>®</sup> VIP<br>Asset<br> Manager Portfolio<br>Initial Class | Fidelity<sup>®</sup> VIP<br>ContrafundSM<br>Portfolio<br> Initial Class | Fidelity<sup>®</sup> VIP<br>Disciplined<br> Small Cap Portfolio<br>Initial Class |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $2765 | $3312 | $403 |
|  Net realized gains (losses) | 758 | 280827 | 352 |
|  Change in unrealized gains (losses) | 5225 | 207398 | 4867 |
|  Increase (decrease) in net assets from operations | 8748 | 491537 | 5622 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 6047 | 84336 | 10791 |
|  Transfers for contract benefits and terminations |  | (91491) |  |
|  Loans | 1087 | (30707) |  |
|  Policy Maintenance Charge | (3837) | (65856) | (4435) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 120 | (19831) | 343 |
|  Increase (decrease) in net assets from policy transactions | 3417 | (123549) | 6699 |
|  **INCREASE (DECREASE) IN NET ASSETS** | 12165 | 367988 | 12321 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 101822 | 1496972 | 29610 |
|  **NET ASSETS AT END OF PERIOD**  | $113987 | $1864960 | $41931 |
|  Accumulation Units outstanding at beginning of period | 2772 | 18287 | 1749 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 116 | 945 | 405 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (27) | (2360) | (35) |
|  Accumulation Units outstanding at end of period | 2861 | 16872 | 2119 |
|  | 2024 | 2024 | 2024 |
|  | Fidelity<sup>®</sup> VIP<br>Emerging<br>Markets Portfolio<br>Initial Class | Fidelity<sup>®</sup> VIP<br>Equity-Income<br>PortfolioSM<br>Initial Class | Fidelity<sup>®</sup> VIP<br>Government Money<br>Market Portfolio<br>Initial Class |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $1352 | $23645 | $29951 |
|  Net realized gains (losses) | 166 | 95744 |  |
|  Change in unrealized gains (losses) | 6990 | 65389 |  |
|  Increase (decrease) in net assets from operations | 8508 | 184778 | 29951 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 15620 | 69568 | 63613 |
|  Transfers for contract benefits and terminations | (3919) | (73570) | (89734) |
|  Loans | (1596) |  | (6362) |
|  Policy Maintenance Charge | (7339) | (50759) | (33376) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 2837 | 5258 | 257619 |
|  Increase (decrease) in net assets from policy transactions | 5603 | (49503) | 191760 |
|  **INCREASE (DECREASE) IN NET ASSETS** | 14111 | 135275 | 221711 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 80549 | 1216071 | 602022 |
|  **NET ASSETS AT END OF PERIOD** | $94660 | $1351346 | $823733 |
|  Accumulation Units outstanding at beginning of period | 5464 | 23922 | 39778 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 869 | 1405 | 18232 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (424) | (2800) | (6651) |
|  Accumulation Units outstanding at end of period | 5909 | 22527 | 51359 |

---

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2024 | 2024 | 2024 |
|  | Fidelity<sup>®</sup> VIP<br>Growth<br> & Income Portfolio<br>Initial Class | Fidelity<sup>®</sup> VIP<br>Growth Portfolio<br>Initial Class | Fidelity<sup>®</sup> VIP<br> High<br> Income Portfolio<br>Initial Class |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $946 | $18 | $1409 |
|  Net realized gains (losses) | 16336 | 575646 | (747) |
|  Change in unrealized gains (losses) | 1101 | (37437) | 1303 |
|  Increase (decrease) in net assets from operations | 18383 | 538227 | 1965 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 8928 | 73880 | 3632 |
|  Transfers for contract benefits and terminations | (36490) | (266069) | (5535) |
|  Loans | (1583) | (13585) |  |
|  Policy Maintenance Charge | (6540) | (72783) | (2593) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 1206 | (21526) | 7 |
|  Increase (decrease) in net assets from policy transactions | (34479) | (300083) | (4489) |
|  **INCREASE (DECREASE) IN NET ASSETS** | (16096) | 238144 | (2524) |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 83691 | 1861065 | 26468 |
|  **NET ASSETS AT END OF PERIOD** | $67595 | $2099209 | $23944 |
|  Accumulation Units outstanding at beginning of period | 2199 | 23765 | 1241 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 169 | 775 | 112 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (915) | (3804) | (323) |
|  Accumulation Units outstanding at end of period | 1453 | 20736 | 1030 |
|  | 2024 | 2024 | 2024 |
|  | Fidelity<sup>®</sup> VIP<br>Index 500 Portfolio<br>Initial Class | Fidelity<sup>®</sup> VIP<br>Index 500 Portfolio<br>Service Class | Fidelity<sup>®</sup> VIP<br> Investment Grade<br>Bond Portfolio<br>Initial Class |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $30912 | $8952 | $14946 |
|  Net realized gains (losses) | 72457 | 25466 | (2507) |
|  Change in unrealized gains (losses) | 412734 | 126676 | (4811) |
|  Increase (decrease) in net assets from operations | 516103 | 161094 | 7628 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 250725 | 86210 | 42131 |
|  Transfers for contract benefits and terminations | (34985) | (50602) | (16525) |
|  Loans | (68827) | (1642) | (1607) |
|  Policy Maintenance Charge | (129071) | (37485) | (21229) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 931 | 247 | 18309 |
|  Increase (decrease) in net assets from policy transactions | 18773 | (3272) | 21079 |
|  **INCREASE (DECREASE) IN NET ASSETS** | 534876 | 157822 | 28707 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 2067162 | 638349 | 397456 |
|  **NET ASSETS AT END OF PERIOD** | $2602038 | $796171 | $426163 |
|  Accumulation Units outstanding at beginning of period | 50880 | 14148 | 21071 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 5886 | 1083 | 2377 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (2379) | (1088) | (1094) |
|  Accumulation Units outstanding at end of period | 54387 | 14143 | 22354 |

---

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2024 | 2024 | 2024 |
|  | Fidelity<sup>®</sup> VIP<br>Mid<br> Cap Portfolio<br>Initial Class | Fidelity<sup>®</sup> VIP<br>Overseas Portfolio<br> Initial Class | Fidelity<sup>®</sup> VIP<br> Real<br> Estate Portfolio<br>Initial Class |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $479 | $6620 | $3149 |
|  Net realized gains (losses) | 12463 | 38414 | (130) |
|  Change in unrealized gains (losses) | 320 | (22874) | 1802 |
|  Increase (decrease) in net assets from operations | 13262 | 22160 | 4821 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 18664 | 26228 | 11694 |
|  Transfers for contract benefits and terminations | (9984) | (19375) | (3107) |
|  Loans | (22) | (36858) | 7 |
|  Policy Maintenance Charge | (8960) | (17988) | (4446) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 491 | 6455 | (780) |
|  Increase (decrease) in net assets from policy transactions | 189 | (41538) | 3368 |
|  **INCREASE (DECREASE) IN NET ASSETS** | 13451 | (19378) | 8189 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 76987 | 406596 | 71647 |
|  **NET ASSETS AT END OF PERIOD** | $90438 | $387218 | $79836 |
|  Accumulation Units outstanding at beginning of period | 3000 | 12779 | 4170 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 490 | 1298 | 611 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (315) | (2336) | (305) |
|  Accumulation Units outstanding at end of period | 3175 | 11741 | 4476 |
|  | 2024 | 2024 | 2024 |
|  | Fidelity<sup>®</sup> VIP<br>Value Portfolio<br>Initial Class | Fidelity<sup>®</sup> VIP<br> Value<br> Strategies Portfolio<br> Initial Class | Franklin Templeton<br>Global Bond<br> VIP Fund Class 1 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $78 | $220 | $— |
|  Net realized gains (losses) | 607 | 3062 | (1194) |
|  Change in unrealized gains (losses) | (116) | (1450) | (1726) |
|  Increase (decrease) in net assets from operations | 569 | 1832 | (2920) |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 1760 | 1444 | 2831 |
|  Transfers for contract benefits and terminations |  | (43) | (6181) |
|  Loans |  |  | 3 |
|  Policy Maintenance Charge | (962) | (1022) | (2257) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 80 | 9 | 766 |
|  Increase (decrease) in net assets from policy transactions | 878 | 388 | (4838) |
|  **INCREASE (DECREASE) IN NET ASSETS** | 1447 | 2220 | (7758) |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 4680 | 19223 | 31785 |
|  **NET ASSETS AT END OF PERIOD** | $6127 | $21443 | $24027 |
|  Accumulation Units outstanding at beginning of period | 238 | 503 | 2055 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 54 | 20 | 176 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (12) | (11) | (483) |
|  Accumulation Units outstanding at end of period | 280 | 512 | 1748 |

---

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2024 | 2024 | 2024 |
|  | Franklin Templeton<br>Income<br> VIP Fund Class 1 | Franklin Templeton<br>Mutual Global<br>Discovery<br> VIP Fund Class 1 | Franklin Templeton<br>Mutual<br> Shares<br> VIP Fund Class 1 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $1365 | $114 | $90 |
|  Net realized gains (losses) | 106 | 429 | 83 |
|  Change in unrealized gains (losses) | 403 | (272) | 265 |
|  Increase (decrease) in net assets from operations | 1874 | 271 | 438 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 2394 | 920 | 603 |
|  Transfers for contract benefits and terminations |  | (181) | (207) |
|  Loans | (8) |  |  |
|  Policy Maintenance Charge | (1517) | (630) | (416) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 359 | 166 | 4 |
|  Increase (decrease) in net assets from policy transactions | 1228 | 275 | (16) |
|  **INCREASE (DECREASE) IN NET ASSETS** | 3102 | 546 | 422 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 24575 | 5524 | 3829 |
|  **NET ASSETS AT END OF PERIOD** | $27677 | $6070 | $4251 |
|  Accumulation Units outstanding at beginning of period | 1036 | 205 | 161 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 53 | 21 | 9 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (4) | (11) | (10) |
|  Accumulation Units outstanding at end of period | 1085 | 215 | 160 |
|  | 2024 | 2024 | 2024 |
|  | Franklin Templeton<br>Small<br> Cap Value<br> VIP Fund Class 1 | Franklin Templeton<br>Small-Mid<br> Cap Growth<br> VIP Fund Class 1 | Franklin Templeton<br>Strategic<br> Income<br> VIP Fund Class 1 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $835 | $— | $889 |
|  Net realized gains (losses) | 1340 | (201) | (13) |
|  Change in unrealized gains (losses) | 6165 | 4178 | (45) |
|  Increase (decrease) in net assets from operations | 8340 | 3977 | 831 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 6036 | 2566 | 1621 |
|  Transfers for contract benefits and terminations | (2977) | (3227) |  |
|  Loans | 22 |  |  |
|  Policy Maintenance Charge | (3734) | (1701) | (717) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 1067 | 75 | 205 |
|  Increase (decrease) in net assets from policy transactions | 414 | (2287) | 1109 |
|  **INCREASE (DECREASE) IN NET ASSETS** | 8754 | 1690 | 1940 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 70394 | 37203 | 18530 |
|  **NET ASSETS AT END OF PERIOD** | $79148 | $38893 | $20470 |
|  Accumulation Units outstanding at beginning of period | 2031 | 933 | 1036 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 116 | 27 | 68 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (108) | (84) | (7) |
|  Accumulation Units outstanding at end of period | 2039 | 876 | 1097 |

---

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2024 | 2024 | 2024 |
|  | Franklin Templeton<br>U.S. Government<br>Securities<br> VIP Fund Class 1 | Invesco V.I.<br>American<br>Franchise | Invesco V.I.<br>American<br>Value |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $544 | $— | $1498 |
|  Net realized gains (losses) | (120) | 6474 | 3331 |
|  Change in unrealized gains (losses) | (166) | 124933 | 33785 |
|  Increase (decrease) in net assets from operations | 258 | 131407 | 38614 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 676 | 14617 | 9096 |
|  Transfers for contract benefits and terminations | (161) | (31091) | (1055) |
|  Loans |  | (1445) | (102) |
|  Policy Maintenance Charge | (702) | (17111) | (8603) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 707 | (6091) | (1742) |
|  Increase (decrease) in net assets from policy transactions | 520 | (41121) | (2406) |
|  **INCREASE (DECREASE) IN NET ASSETS** | 778 | 90286 | 36208 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 16545 | 407789 | 127720 |
|  **NET ASSETS AT END OF PERIOD** | $17323 | $498075 | $163928 |
|  Accumulation Units outstanding at beginning of period | 1233 | 9872 | 2705 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 90 | 175 | 125 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (51) | (1108) | (166) |
|  Accumulation Units outstanding at end of period | 1272 | 8939 | 2664 |
|  | 2024 | 2024 | 2024 |
|  | Invesco V.I.<br>Core Equity | Invesco V.I.<br>Core Plus Bond<br>Fund - Series I | Invesco V.I.<br>Discovery<br> Mid Cap Growth<br>Fund - Series I |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $249 | $383 | $— |
|  Net realized gains (losses) | 3152 | (1) | 1720 |
|  Change in unrealized gains (losses) | 4538 | (80) | 73391 |
|  Increase (decrease) in net assets from operations | 7939 | 302 | 75111 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 2352 | 1525 | 24100 |
|  Transfers for contract benefits and terminations | (32) |  | (57640) |
|  Loans | (6344) |  | (6210) |
|  Policy Maintenance Charge | (1303) | (700) | (14247) |
|  Transfers among the sub-accounts and with the Fixed Account - net | (22) | 48 | 9712 |
|  Increase (decrease) in net assets from policy transactions | (5349) | 873 | (44285) |
|  **INCREASE (DECREASE) IN NET ASSETS** | 2590 | 1175 | 30826 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 35603 | 9460 | 325648 |
|  **NET ASSETS AT END OF PERIOD** | $38193 | $10635 | $356474 |
|  Accumulation Units outstanding at beginning of period | 986 | 936 | 8329 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 39 | 114 | 729 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (183) | (29) | (1442) |
|  Accumulation Units outstanding at end of period | 842 | 1021 | 7616 |

---

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2024 | 2024 | 2024 |
|  | Invesco V.I.<br>Diversified<br>Dividend Fund<br>Series I | Invesco V.I.<br>Equity and<br>Income<br> Fund - Series I\* | Invesco V.I.<br>EQV International<br>Equity<br>Fund - Series I |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $175 | $649 | $212 |
|  Net realized gains (losses) | 372 | 1458 | 81 |
|  Change in unrealized gains (losses) | 426 | 511 | (229) |
|  Increase (decrease) in net assets from operations | 973 | 2618 | 64 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 3290 | 3246 | 2634 |
|  Transfers for contract benefits and terminations |  | (2490) | (716) |
|  Loans |  |  |  |
|  Policy Maintenance Charge | (1003) | (2195) | (1732) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 169 | 36123 | 820 |
|  Increase (decrease) in net assets from policy transactions | 2456 | 34684 | 1006 |
|  **INCREASE (DECREASE) IN NET ASSETS** | 3429 | 37302 | 1070 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 6586 |  | 10849 |
|  **NET ASSETS AT END OF PERIOD** | $10015 | $37302 | $11919 |
|  Accumulation Units outstanding at beginning of period | 426 |  | 797 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 147 | 3803 | 148 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (1) | (337) | (75) |
|  Accumulation Units outstanding at end of period | 572 | 3466 | 870 |
|  | 2024 | 2024 | 2024 |
|  | Invesco V.I.<br>Global Fund -<br>Series I | Invesco V.I.<br>Global Fund -<br>Series II | Invesco V.I.<br>Global<br> Strategic Income<br> Fund - Series I |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $— | $— | $271 |
|  Net realized gains (losses) | 1895 | 39752 | (78) |
|  Change in unrealized gains (losses) | 2523 | 41466 | 79 |
|  Increase (decrease) in net assets from operations | 4418 | 81218 | 272 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 2619 | 27932 | 1208 |
|  Transfers for contract benefits and terminations | (100) | (42260) |  |
|  Loans |  | (3660) |  |
|  Policy Maintenance Charge | (1695) | (21471) | (1503) |
|  Transfers among the sub-accounts and with the Fixed Account - net | (136) | (3693) | 539 |
|  Increase (decrease) in net assets from policy transactions | 688 | (43152) | 244 |
|  **INCREASE (DECREASE) IN NET ASSETS** | 5106 | 38066 | 516 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 27274 | 524753 | 8180 |
|  **NET ASSETS AT END OF PERIOD** | $32380 | $562819 | $8696 |
|  Accumulation Units outstanding at beginning of period | 845 | 10587 | 543 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 48 | 278 | 93 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (29) | (1058) | (77) |
|  Accumulation Units outstanding at end of period | 864 | 9807 | 559 |

---

\* On April 25, 2024, Invesco V.I. Conservative Balanced Fund - Series I merged into Invesco V.I. Equity and Income Fund - Series I.

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2024 | 2024 | 2024 |
|  | Invesco V.I.<br>Government<br>Securities | Invesco V.I.<br>Growth and<br>Income Fund<br>Series I | Invesco V.I.<br>High Yield |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $1455 | $5971 | $4997 |
|  Net realized gains (losses) | (618) | 27619 | (92) |
|  Change in unrealized gains (losses) | 90 | 26278 | 1377 |
|  Increase (decrease) in net assets from operations | 927 | 59868 | 6282 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 6077 | 19322 | 10690 |
|  Transfers for contract benefits and terminations | (4063) | (58383) | (619) |
|  Loans | 234 | 308 | 18 |
|  Policy Maintenance Charge | (3996) | (15407) | (5093) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 3549 | 1486 | 3241 |
|  Increase (decrease) in net assets from policy transactions | 1801 | (52674) | 8237 |
|  **INCREASE (DECREASE) IN NET ASSETS** | 2728 | 7194 | 14519 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 56211 | 415543 | 76607 |
|  **NET ASSETS AT END OF PERIOD** | $58939 | $422737 | $91126 |
|  Accumulation Units outstanding at beginning of period | 4702 | 6923 | 5537 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 660 | 162 | 797 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (516) | (933) | (154) |
|  Accumulation Units outstanding at end of period | 4846 | 6152 | 6180 |
|  | 2024 | 2024 | 2024 |
|  | Invesco<br> Oppenheimer V.I.<br>Intl. Growth<br>Fund Series I | Invesco V.I.<br>Main Street<br>Fund<sup>®</sup> - Series I | Invesco V.I.<br> Main Street<br>MidCap<br>Fund - Series I |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $891 | $— | $551 |
|  Net realized gains (losses) | 8483 | 1653 | 3818 |
|  Change in unrealized gains (losses) | (10635) | 1797 | 20746 |
|  Increase (decrease) in net assets from operations | (1261) | 3450 | 25115 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 9971 | 905 | 10052 |
|  Transfers for contract benefits and terminations | (31053) | (78) | (851) |
|  Loans | 57 |  | 268 |
|  Policy Maintenance Charge | (6332) | (677) | (6230) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 1435 | (25) | 169 |
|  Increase (decrease) in net assets from policy transactions | (25922) | 125 | 3408 |
|  **INCREASE (DECREASE) IN NET ASSETS** | (27183) | 3575 | 28523 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 146682 | 14584 | 144334 |
|  **NET ASSETS AT END OF PERIOD** | $119499 | $18159 | $172857 |
|  Accumulation Units outstanding at beginning of period | 3975 | 768 | 3693 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 246 | 27 | 198 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (826) | (21) | (113) |
|  Accumulation Units outstanding at end of period | 3395 | 774 | 3778 |

---

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2024 | 2024 | 2024 |
|  | Invesco V.I. Main<br>Street Small Cap<br>Fund<sup>®</sup> - Series I | Janus Henderson<br>Balanced<br>Portfolio<br>Institutional Shares | Janus Henderson<br>Balanced Portfolio<br>Service Shares |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $— | $646 | $10494 |
|  Net realized gains (losses) | 68326 | 534 | 20534 |
|  Change in unrealized gains (losses) | 54359 | 3056 | 52881 |
|  Increase (decrease) in net assets from operations | 122685 | 4236 | 83909 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 50084 | 6071 | 32086 |
|  Transfers for contract benefits and terminations | (120555) | 1 | (42711) |
|  Loans | (22513) | (11) | (10440) |
|  Policy Maintenance Charge | (38559) | (4691) | (25700) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 10615 | 151 | 2542 |
|  Increase (decrease) in net assets from policy transactions | (120928) | 1521 | (44223) |
|  **INCREASE (DECREASE) IN NET ASSETS**  | 1757 | 5757 | 39686 |
|  **NET ASSETS AT BEGINNING OF PERIOD**  | 1037337 | 27082 | 573439 |
|  **NET ASSETS AT END OF PERIOD**  | $1039094 | $32839 | $613125 |
|  Accumulation Units outstanding at beginning of period | 11698 | 958 | 10481 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 406 | 137 | 306 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (1739) | (72) | (1054) |
|  Accumulation Units outstanding at end of period | 10365 | 1023 | 9733 |
|  | 2024 | 2024 | 2024 |
|  | Janus Henderson<br>Enterprise<br>Portfolio<br>Institutional Shares | Janus Henderson<br>Flexible<br>Bond Portfolio<br>Institutional Shares | Janus Henderson<br>Forty<br>Portfolio<br>Institutional Shares |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $546 | $1943 | $172 |
|  Net realized gains (losses) | 3761 | (302) | 11561 |
|  Change in unrealized gains (losses) | 5940 | (850) | 27336 |
|  Increase (decrease) in net assets from operations | 10247 | 791 | 39069 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 10849 | 2824 | 8941 |
|  Transfers for contract benefits and terminations | (8772) | (1) | (2043) |
|  Loans | (14) |  | (11) |
|  Policy Maintenance Charge | (4827) | (2589) | (7493) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 4618 | 1766 | (1573) |
|  Increase (decrease) in net assets from policy transactions | 1854 | 2000 | (2179) |
|  **INCREASE (DECREASE) IN NET ASSETS**  | 12101 | 2791 | 36890 |
|  **NET ASSETS AT BEGINNING OF PERIOD**  | 65921 | 36951 | 140662 |
|  **NET ASSETS AT END OF PERIOD**  | $78022 | $39742 | $177552 |
|  Accumulation Units outstanding at beginning of period | 1413 | 2790 | 1836 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 255 | 368 | 142 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (211) | (168) | (124) |
|  Accumulation Units outstanding at end of period | 1457 | 2990 | 1854 |

---

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2024 | 2024 | 2024 |
|  | Janus Henderson<br>Global Research<br>Portfolio<br>Service Shares | Janus Henderson<br>Glob.Tech. and<br>Innovation Portfolio<br>Institutional Shares | Janus Henderson<br>Mid Cap Value<br>Portfolio<br>Institutional Shares |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $405 | $— | $389 |
|  Net realized gains (losses) | 7556 | 5809 | 2019 |
|  Change in unrealized gains (losses) | 6153 | 32743 | 2095 |
|  Increase (decrease) in net assets from operations | 14114 | 38552 | 4503 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 2747 | 17170 | 7441 |
|  Transfers for contract benefits and terminations | (13895) | (11124) | (183) |
|  Loans | 5 |  | 23 |
|  Policy Maintenance Charge | (2088) | (8876) | (2642) |
|  Transfers among the sub-accounts and with the Fixed Account - net | (1874) | (3774) | (36) |
|  Increase (decrease) in net assets from policy transactions | (15105) | (6604) | 4603 |
|  **INCREASE (DECREASE) IN NET ASSETS** | (991) | 31948 | 9106 |
|  **NET ASSETS AT BEGINNING OF PERIOD**  | 71507 | 119949 | 33039 |
|  **NET ASSETS AT END OF PERIOD**  | $70516 | $151897 | $42145 |
|  Accumulation Units outstanding at beginning of period | 1397 | 2916 | 1930 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 18 | 303 | 281 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (298) | (426) | (45) |
|  Accumulation Units outstanding at end of period | 1117 | 2793 | 2166 |
|  | 2024 | 2024 | 2024 |
|  | Janus Henderson<br>Mid Cap Value<br>Portfolio<br>Service Shares | Janus Henderson<br>Overseas<br>Portfolio<br>Institutional Shares | Janus Henderson<br>Overseas<br>Portfolio<br>Service Shares |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $1838 | $642 | $1240 |
|  Net realized gains (losses) | 12280 | 2227 | 4826 |
|  Change in unrealized gains (losses) | 11285 | 170 | 219 |
|  Increase (decrease) in net assets from operations | 25403 | 3039 | 6285 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 11016 | 5428 | 6549 |
|  Transfers for contract benefits and terminations |  | (7607) | (16219) |
|  Loans | (3082) | 167 | 372 |
|  Policy Maintenance Charge | (7830) | (2178) | (3142) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 234 | 1664 | 1935 |
|  Increase (decrease) in net assets from policy transactions | 338 | (2526) | (10505) |
|  **INCREASE (DECREASE) IN NET ASSETS**  | 25741 | 513 | (4220) |
|  **NET ASSETS AT BEGINNING OF PERIOD**  | 198856 | 43907 | 97341 |
|  **NET ASSETS AT END OF PERIOD**  | $224597 | $44420 | $93121 |
|  Accumulation Units outstanding at beginning of period | 4395 | 3306 | 7573 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 153 | 484 | 520 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (148) | (630) | (1231) |
|  Accumulation Units outstanding at end of period | 4400 | 3160 | 6862 |

---

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2024 | 2024 | 2024 |
|  | Janus Henderson<br>Research<br>Portfolio<br>Institutional Shares | Lazard Retirement<br>Emerging<br>Markets<br>Equity Portfolio | Legg Mason<br>ClearBridge Variable<br>Large Cap Value<br>Portfolio Class I |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $1 | $1116 | $2817 |
|  Net realized gains (losses) | 89 | 280 | 36289 |
|  Change in unrealized gains (losses) | 518 | 918 | (20648) |
|  Increase (decrease) in net assets from operations | 608 | 2314 | 18458 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 630 | 1746 | 15116 |
|  Transfers for contract benefits and terminations |  |  | (3873) |
|  Loans |  | 56 | (55240) |
|  Policy Maintenance Charge | (387) | (860) | (11294) |
|  Transfers among the sub-accounts and with the Fixed Account - net | (155) | (1873) | 1579 |
|  Increase (decrease) in net assets from policy transactions | 88 | (931) | (53712) |
|  **INCREASE (DECREASE) IN NET ASSETS** | 696 | 1383 | (35254) |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 1675 | 30077 | 248154 |
|  **NET ASSETS AT END OF PERIOD** | $2371 | $31460 | $212900 |
|  Accumulation Units outstanding at beginning of period | 72 | 451 | 5109 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 7 | 24 | 189 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (4) | (36) | (1242) |
|  Accumulation Units outstanding at end of period | 75 | 439 | 4056 |
|  | 2024 | 2024 | 2024 |
|  | Legg Mason<br>Western<br> Assets Variable<br>Global High Yield<br> Bond Portfolio Class I | MFS<sup>®</sup> High<br>Yield Portfolio<br> Initial Class | MFS<sup>®</sup> Investors<br>Trust<br> Series Initial Class |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $8676 | $4774 | $190 |
|  Net realized gains (losses) | (1038) | (163) | 2115 |
|  Change in unrealized gains (losses) | 1310 | 501 | 2371 |
|  Increase (decrease) in net assets from operations | 8948 | 5112 | 4676 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 7577 | 5778 | 902 |
|  Transfers for contract benefits and terminations | (2501) | (536) |  |
|  Loans | (1144) | 15 | (19) |
|  Policy Maintenance Charge | (6425) | (2527) | (1070) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 3809 | 1458 | (50) |
|  Increase (decrease) in net assets from policy transactions | 1316 | 4188 | (237) |
|  **INCREASE (DECREASE) IN NET ASSETS** | 10264 | 9300 | 4439 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 126450 | 71752 | 23945 |
|  **NET ASSETS AT END OF PERIOD** | $136714 | $81052 | $28384 |
|  Accumulation Units outstanding at beginning of period | 4742 | 4739 | 428 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 272 | 362 | 8 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (225) | (94) | (11) |
|  Accumulation Units outstanding at end of period | 4789 | 5007 | 425 |

---

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2024 | 2024 | 2024 |
|  | MFS<sup>®</sup> Mass.<br>Investors Growth<br>Stock Portfolio<br>Initial Class | MFS<sup>®</sup> New<br>Discovery<br>Series Initial Class | MFS<sup>®</sup> Total<br>Return<br> Series Initial Class |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $450 | $— | $4209 |
|  Net realized gains (losses) | 11742 | (5321) | 9336 |
|  Change in unrealized gains (losses) | 6645 | 21512 | (669) |
|  Increase (decrease) in net assets from operations | 18837 | 16191 | 12876 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 4151 | 12498 | 10550 |
|  Transfers for contract benefits and terminations | (782) | (318) | (4300) |
|  Loans | 558 | 3500 | (17363) |
|  Policy Maintenance Charge | (3580) | (9229) | (6598) |
|  Transfers among the sub-accounts and with the Fixed Account - net | (58) | 1591 | 2507 |
|  Increase (decrease) in net assets from policy transactions | 289 | 8042 | (15204) |
|  **INCREASE (DECREASE) IN NET ASSETS** | 19126 | 24233 | (2328) |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 115828 | 247577 | 175010 |
|  **NET ASSETS AT END OF PERIOD** | $134954 | $271810 | $172682 |
|  Accumulation Units outstanding at beginning of period | 3955 | 2598 | 3627 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 95 | 311 | 150 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (86) | (237) | (456) |
|  Accumulation Units outstanding at end of period | 3964 | 2672 | 3321 |
|  | 2024 | 2024 | 2024 |
|  | MFS<sup>®</sup> Utilities<br>Series Initial Class | MFS<sup>®</sup> Value<br>Series Initial Class | Morgan Stanley<br>VIF Emerging<br>Markets Equity<br>Portfolio Class I |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $2433 | $1440 | $479 |
|  Net realized gains (losses) | 3402 | 6873 | 4 |
|  Change in unrealized gains (losses) | 5671 | 895 | 2002 |
|  Increase (decrease) in net assets from operations | 11506 | 9208 | 2485 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 5898 | 5670 | 3220 |
|  Transfers for contract benefits and terminations | (30) |  |  |
|  Loans | 430 | (6) | 113 |
|  Policy Maintenance Charge | (5132) | (3730) | (1260) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 840 | 140 | 31 |
|  Increase (decrease) in net assets from policy transactions | 2006 | 2074 | 2104 |
|  **INCREASE (DECREASE) IN NET ASSETS** | 13512 | 11282 | 4589 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 95838 | 78672 | 31452 |
|  **NET ASSETS AT END OF PERIOD** | $109350 | $89954 | $36041 |
|  Accumulation Units outstanding at beginning of period | 1048 | 1517 | 2898 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 61 | 75 | 212 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (38) | (38) | (30) |
|  Accumulation Units outstanding at end of period | 1071 | 1554 | 3080 |

---

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2024 | 2024 | 2024 |
|  | Morgan Stanley<br>VIF<br> Growth<br>Portfolio Class I | Morningstar<br>Aggressive Growth<br>ETF Asset Allocation<br>Portfolio Class I | Morningstar<br>Balanced ETF<br>Asset Allocation<br>Portfolio Class I |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $— | $12528 | $11901 |
|  Net realized gains (losses) | (1607) | 31375 | 8534 |
|  Change in unrealized gains (losses) | 83634 | 69675 | 37679 |
|  Increase (decrease) in net assets from operations | 82027 | 113578 | 58114 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 13671 | 157959 | 134655 |
|  Transfers for contract benefits and terminations | (856) | (85448) | (50095) |
|  Loans | 4 | (9913) | (85) |
|  Policy Maintenance Charge | (7077) | (78723) | (73323) |
|  Transfers among the sub-accounts and with the Fixed Account - net | (4634) | 1226 | (3711) |
|  Increase (decrease) in net assets from policy transactions | 1108 | (14899) | 7441 |
|  **INCREASE (DECREASE) IN NET ASSETS** | 83135 | 98679 | 65555 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 171386 | 765023 | 529627 |
|  **NET ASSETS AT END OF PERIOD**  | $254521 | $863702 | $595182 |
|  Accumulation Units outstanding at beginning of period | 2359 | 36590 | 29748 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 211 | 6194 | 6659 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (174) | (6318) | (5587) |
|  Accumulation Units outstanding at end of period | 2396 | 36466 | 30820 |
|  | 2024 | 2024 | 2024 |
|  | Morningstar<br>Conservative ETF<br>Asset Allocation<br>Portfolio Class I | Morningstar<br>Growth ETF<br>Asset Allocation<br>Portfolio Class I | Morningstar Income<br>and Growth ETF<br>Asset Allocation<br>Portfolio Class I |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $1762 | $22972 | $7348 |
|  Net realized gains (losses) | (115) | 50311 | 1232 |
|  Change in unrealized gains (losses) | 1845 | 96075 | 11827 |
|  Increase (decrease) in net assets from operations | 3492 | 169358 | 20407 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 12982 | 226800 | 47771 |
|  Transfers for contract benefits and terminations |  | (178052) | (8693) |
|  Loans |  | (8268) | (16) |
|  Policy Maintenance Charge | (5633) | (124954) | (25908) |
|  Transfers among the sub-accounts and with the Fixed Account - net | (39) | 2115 | (1174) |
|  Increase (decrease) in net assets from policy transactions | 7310 | (82359) | 11980 |
|  **INCREASE (DECREASE) IN NET ASSETS** | 10802 | 86999 | 32387 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 59850 | 1318048 | 243680 |
|  **NET ASSETS AT END OF PERIOD** | $70652 | $1405047 | $276067 |
|  Accumulation Units outstanding at beginning of period | 3894 | 65234 | 14003 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 599 | 10280 | 1938 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (125) | (13622) | (1206) |
|  Accumulation Units outstanding at end of period | 4368 | 61892 | 14735 |

---

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2024 | 2024 | 2024 |
|  | PIMCO VIT<br> Int. Bond<br>U.S. Dollar-Hedged<br>Admin. Shares | PIMCO VIT Real<br>Return<br> Portfolio<br>Admin. Shares | PIMCO VIT<br> Total Return<br>Portfolio<br> Admin. Shares |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $2299 | $4057 | $11931 |
|  Net realized gains (losses) | (276) | (376) | (9277) |
|  Change in unrealized gains (losses) | 1374 | (368) | 4209 |
|  Increase (decrease) in net assets from operations | 3397 | 3313 | 6863 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 6945 | 9128 | 22112 |
|  Transfers for contract benefits and terminations | (2567) |  | (44373) |
|  Loans | 132 | (1923) | (7496) |
|  Policy Maintenance Charge | (3378) | (6382) | (13452) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 790 | 10940 | 21911 |
|  Increase (decrease) in net assets from policy transactions | 1922 | 11763 | (21298) |
|  **INCREASE (DECREASE) IN NET ASSETS** | 5319 | 15076 | (14435) |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 61616 | 146765 | 308718 |
|  **NET ASSETS AT END OF PERIOD** | $66935 | $161841 | $294283 |
|  Accumulation Units outstanding at beginning of period | 2444 | 7258 | 13343 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 233 | 786 | 1532 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (159) | (208) | (2470) |
|  Accumulation Units outstanding at end of period | 2518 | 7836 | 12405 |
|  | 2024 | 2024 | 2024 |
|  | Putnam<br>VT High Yield<br>Fund Class IA | Putnam<br>VT International<br>Value Fund<br>Class IA | T. Rowe Price<br>Blue Chip Growth<br>Portfolio I |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $5987 | $1267 | $— |
|  Net realized gains (losses) | (156) | 1167 | 75000 |
|  Change in unrealized gains (losses) | 2475 | 197 | 39023 |
|  Increase (decrease) in net assets from operations | 8306 | 2631 | 114023 |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 6198 | 2630 | 12306 |
|  Transfers for contract benefits and terminations |  |  | (37841) |
|  Loans | 842 | 7 | (63661) |
|  Policy Maintenance Charge | (3809) | (1397) | (14020) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 734 | (3468) | (1670) |
|  Increase (decrease) in net assets from policy transactions | 3965 | (2228) | (104886) |
|  **INCREASE (DECREASE) IN NET ASSETS** | 12271 | 403 | 9137 |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 98072 | 46664 | 347658 |
|  **NET ASSETS AT END OF PERIOD**  | $110343 | $47067 | $356795 |
|  Accumulation Units outstanding at beginning of period | 2536 | 1149 | 4726 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 156 | 69 | 127 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (55) | (118) | (1274) |
|  Accumulation Units outstanding at end of period | 2637 | 1100 | 3579 |

---

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**STATEMENT OF CHANGES IN NET ASSETS** 

**For the Year Ended December 31,** 

---

| | | | |
|:---|:---|:---|:---|
|  | 2024 | 2024 | 2024 |
|  | T. Rowe Price<br>Equity Income<br>Portfolio I | VanEck VIP<br>Emerging<br>Markets<br> Fund Initial Class | VanEck VIP<br>Global<br> Resources<br> Fund - Initial Class |
|  **INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS** |  |  |  |
|  Net Investment Income (Loss) | $11323 | $1996 | $2060 |
|  Net realized gains (losses) | 54090 | (3250) | 4864 |
|  Change in unrealized gains (losses) | 4673 | 3911 | (7961) |
|  Increase (decrease) in net assets from operations | 70086 | 2657 | (1037) |
|  **INCREASE (DECREASE) IN NET ASSETS FROM POLICY TRANSACTIONS** |  |  |  |
|  Deposits | 26808 | 9616 | 9635 |
|  Transfers for contract benefits and terminations | (86126) | (6923) | (15822) |
|  Loans | (13743) | (14967) | (8541) |
|  Policy Maintenance Charge | (22472) | (4442) | (4492) |
|  Transfers among the sub-accounts and with the Fixed Account - net | 10107 | 962 | 534 |
|  Increase (decrease) in net assets from policy transactions | (85426) | (15754) | (18686) |
|  **INCREASE (DECREASE) IN NET ASSETS** | (15340) | (13097) | (19723) |
|  **NET ASSETS AT BEGINNING OF PERIOD** | 615273 | 125045 | 88234 |
|  **NET ASSETS AT END OF PERIOD**  | $599933 | $111948 | $68511 |
|  Accumulation Units outstanding at beginning of period | 10071 | 3394 | 2691 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Issued | 380 | 189 | 273 |
| &nbsp;&nbsp;&nbsp;&nbsp; Units Redeemed | (1659) | (581) | (814) |
|  Accumulation Units outstanding at end of period | 8792 | 3002 | 2150 |

---

See notes to financial statements.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**NOTES TO FINANCIAL STATEMENTS** 

1. **Organization** 

Wilton Reassurance Life Co of New York Variable Life Separate Account A, formerly known as Allstate Life of New York Variable Life Separate Account A (the "Account"), a unit investment trust registered with the Securities and Exchange Commission under the Investment Company Act of 1940, is a separate account of Wilton Reassurance Life Company of New York ("Wilton Re New York" or the "Company"). The assets of the Account are legally segregated from those of the Company. The Company is a wholly owned subsidiary of Wilton Reassurance Company ("WRAC") which, in turn is a wholly owned subsidiary of Wilton Re U.S. Holdings, Inc., a Delaware corporation ("Wilton Re U.S."). All but a de minimis portion of the economic interests and 100% of the voting interests of Wilton Re U.S. are held or controlled by Wilton Re U.S. Holdings Trust, an Ontario trust (the "Wilton Re Trust"). In turn, all economic interests associated with the Wilton Re Trust accrue to Wilton Re Ltd. ("WRL"), a non-insurance holding company registered in Nova Scotia, Canada. WRL is deemed the ultimate parent corporation in the Company's holding company system. Effective October 1, 2021, WRAC acquired Allstate Life Insurance Company of New York ("ALNY"). The Account was established by ALNY. On November 1, 2021, ALNY merged with and into Wilton Re New York, with Wilton Re New York being the surviving company to the merger. These financial statements have been prepared in conformity with accounting principles generally accepted in the United States of America ("GAAP").

The assets within the Account are legally segregated from each other into sub-accounts (the "sub-accounts"). The Company issues four life insurance policies: New Consultant Protector, New Consultant Accumulator, New Total Accumulator, and New Future Vest (collectively the "Policies"), the deposits of which are invested at the direction of the policyholders in the sub-accounts that comprise the Account. All of the policies are closed to new policyholders, but continue to accept deposits from existing policyholders. Absent any policy provisions wherein the Company contractually guarantees a specified death benefit, variable life policyholders bear the investment risk that the sub-accounts may not meet their stated investment objectives. The sub-account names listed below correspond to the underlying mutual fund portfolios ("Fund" or "Funds") in which they invest:

AB VPS Discovery Value Portfolio - Class A

AB VPS International Value Class A

AB VPS Relative Value Portfolio - Class A

AB VPS Small Cap Growth Class A

Alger Balanced Class I-2

Alger Capital Appreciation Class I-2

Alger Large Cap Growth Class I-2

Alger MidCap Growth Class I-2

Alger Small Cap Growth Portfolio Class I-2

DWS Equity 500 Index VIP Class A

DWS Global Income Builder VIP Class A II

DWS Small Cap Index VIP Class A

Fidelity<sup>®</sup> VIP Asset Manager 50% Portfolio Initial Class\*

Fidelity<sup>®</sup> VIP ContrafundSM Portfolio Initial Class

Fidelity<sup>®</sup> VIP Disciplined Small Cap Portfolio Initial Class

Fidelity<sup>®</sup> VIP Emerging Markets Portfolio Initial Class

Fidelity<sup>®</sup> VIP Equity-Income PortfolioSM Initial Class

Fidelity<sup>®</sup> VIP Government Money Market Portfolio Initial Class

Fidelity<sup>®</sup> VIP Growth & Income Portfolio Initial Class

Fidelity<sup>®</sup> VIP Growth Portfolio Initial Class

Fidelity<sup>®</sup> VIP High Income Portfolio Initial Class

Fidelity<sup>®</sup> VIP Index 500 Portfolio Initial Class

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**NOTES TO FINANCIAL STATEMENTS** 

Fidelity<sup>®</sup> VIP Index 500 Portfolio Service Class

Fidelity<sup>®</sup> VIP Investment Grade Bond Portfolio Initial Class

Fidelity<sup>®</sup> VIP Mid Cap Portfolio Initial Class

Fidelity<sup>®</sup> VIP Overseas Portfolio Initial Class

Fidelity<sup>®</sup> VIP Real Estate Portfolio Initial Class

Fidelity<sup>®</sup> VIP Value Portfolio Initial Class

Fidelity<sup>®</sup> VIP Value Strategies Portfolio Initial Class

Franklin Templeton Global Bond VIP Fund Class 1

Franklin Templeton Income VIP Fund Class 1

Franklin Templeton Mutual Global Discovery VIP Fund Class 1

Franklin Templeton Mutual Shares VIP Fund Class 1

Franklin Templeton Small Cap Value VIP Fund Class 1

Franklin Templeton Small-Mid Cap Growth VIP Fund Class 1

Franklin Templeton Strategic Income VIP Fund Class 1

Franklin Templeton U.S. Government Securities VIP Fund Class 1

Invesco V.I. American Franchise

Invesco V.I. American Value

Invesco V.I. Core Equity

Invesco V.I. Core Plus Bond Fund - Series I

Invesco V.I. Discovery Mid Cap Growth Fund - Series I

Invesco V.I. Diversified Dividend Fund Series I

Invesco V.I. Equity and Income Fund - Series I

Invesco V.I. EQV International Equity Fund - Series I

Invesco V.I. Global Fund - Series I

Invesco V.I. Global Fund - Series II

Invesco V.I. Global Strategic Income Fund - Series I

Invesco V.I. Government Securities

Invesco V.I. Growth and Income Fund Series I

Invesco V.I. High Yield

Invesco V.I. International Growth Fund\*

Invesco V.I. Main Street Fund<sup>®</sup> - Series I

Invesco V.I. Main Street MidCap Fund - Series I

Invesco V.I. Main Street Small Cap Fund<sup>®</sup> - Series I

Janus Henderson Balanced Portfolio Institutional Shares

Janus Henderson Balanced Portfolio Service Shares

Janus Henderson Enterprise Portfolio Institutional Shares

Janus Henderson Flexible Bond Portfolio Institutional Shares

Janus Henderson Forty Portfolio Institutional Shares

Janus Henderson Global Research Portfolio Service Shares

Janus Henderson Glob.Tech. and Innovation Portfolio Institutional Shares

Janus Henderson Mid Cap Value Portfolio Institutional Shares

Janus Henderson Mid Cap Value Portfolio Service Shares

Janus Henderson Overseas Portfolio Institutional Shares

Janus Henderson Overseas Portfolio Service Shares

Janus Henderson Research Portfolio Institutional Shares

Lazard Retirement Emerging Markets Equity Portfolio

Legg Mason ClearBridge Variable Large Cap Value Portfolio Class I

Legg Mason Western Assets Variable Global High Yield Bond Portfolio Class I

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**NOTES TO FINANCIAL STATEMENTS** 

MFS<sup>®</sup> High Yield Portfolio Initial Class

MFS<sup>®</sup> Investors Trust Series Initial Class

MFS<sup>®</sup> Mass. Investors Growth Stock Portfolio Initial Class

MFS<sup>®</sup> New Discovery Series Initial Class

MFS<sup>®</sup> Total Return Series Initial Class

MFS<sup>®</sup> Utilities Series Initial Class

MFS<sup>®</sup> Value Series Initial Class

Morgan Stanley VIF Emerging Markets Equity Portfolio Class I

Morgan Stanley VIF Growth Portfolio Class I

Morningstar Aggressive Growth ETF Asset Allocation Portfolio Class I

Morningstar Balanced ETF Asset Allocation Portfolio Class I

Morningstar Conservative ETF Asset Allocation Portfolio Class I

Morningstar Growth ETF Asset Allocation Portfolio Class I

Morningstar Income and Growth ETF Asset Allocation Portfolio Class I

PIMCO VIT Int. Bond U.S. Dollar-Hedged Admin. Shares

PIMCO VIT Real Return Portfolio Admin. Shares

PIMCO VIT Total Return Portfolio Admin. Shares

Putnam VT High Yield Fund Class IA

Putnam VT International Value Fund Class IA

T. Rowe Price Blue Chip Growth Portfolio I

T. Rowe Price Equity Income Portfolio I

VanEck VIP Emerging Markets Fund Initial Class VanEck VIP Global Resources Fund—Initial Class

\*See Note 2 for disclosure of changes to the names of sub-accounts (and Funds) during 2025.

The net assets are affected by the investment results of each Fund, transactions by policyholders and certain policy expenses (see Note 5). Policyholders' interests consist of accumulation units of the sub-account. The accompanying financial statements include only policyholders' purchase payments applicable to the variable portions of their policies and exclude any purchase payments directed by the policyholder to the "Fixed Account" in which the policyholders' deposits are included in the Company's general account assets and earn a fixed rate of return.

A policyholder may choose from among a number of different Fund options. The Funds are not available to the general public directly. These Funds are available as investment options in variable annuity contracts or variable life insurance policies issued by life insurance companies, or in certain cases, through participation in certain qualified pension or retirement plans.

Some of these Funds have been established by investment advisers that manage publicly traded mutual funds that have similar names and investment objectives. While some of the Funds may be similar to and may in fact be modeled after publicly traded mutual funds, the Funds are not otherwise directly related to any publicly traded mutual fund. Consequently, the investment performance of publicly traded mutual funds and any corresponding Funds may differ substantially.

**2.** **Portfolio Changes** 

The following sub-accounts (Funds) name changes occurred during the year ended December 31, 2025:

---

| | |
|:---|:---|
| **New fund name** | **Old fund name** |
| Fidelity<sup>®</sup> VIP Asset Manager Portfolio - Initial Class | Fidelity<sup>®</sup> VIP Asset Manager 50% Portfolio - Initial Class |
| Invesco V.I. International Growth Fund | Invesco Oppenheimer V.I. International Growth Fund- Series I |

---

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**NOTES TO FINANCIAL STATEMENTS** 

**3.** **Summary of Significant Accounting Policies** 

The Account is an investment company and, accordingly, follows the investment company accounting and reporting guidance of the Financial Accounting Standards Board Accounting Standards Codification Topic 946 - Investment Companies, which is a part of GAAP.

***Investments*** - Investments consist of shares of the Funds and are stated at fair value based on the reported net asset values of each corresponding Fund, which in turn value their investment securities at fair value. The difference between cost and fair value of shares owned on the day of measurement is recorded as unrealized gain or loss on investments. ****

***Dividends*** *-* Dividends declared by the Funds are recognized on the ex-dividend date. ****

***Net Realized Gains and Losses*** *-* Net realized gains and losses on Fund shares represent the difference between the proceeds from sales of shares of the Funds by the sub-accounts and the cost of such shares, which is determined on a weighted average basis, and realized gain distributions received from the underlying Fund. Transactions are recorded on a trade date basis. Distributions of net realized gains are recorded on the Funds' ex-distribution date.

***Federal Income Taxes*** - The Account qualifies as a segregated asset account as defined by the Internal Revenue Code of 1986 ("Code"). In order to qualify as a segregated asset account, each sub-account is required to satisfy the diversification requirements of Section 817(h) of the Code. The Code provides that the "adequately diversified" requirement may be met if the underlying investments satisfy either the statutory safe harbor test or diversification requirements set forth in regulations issued by the Secretary of the Treasury. The operations of the Account is included in the tax return of the Company. The Company is taxed as a life insurance company under the Code and joins with WRAC and its eligible domestic subsidiaries in the filing of a consolidated federal income tax return. No income taxes are allocable to the Account. The Account had no liability for unrecognized tax benefits as of December 31, 2025 and believes that the liability for unrecognized tax benefits balance will not materially change within the next twelve months.

***Use of Estimates*** - The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the amounts reported at the date of the financial statements and the reported amounts of increases and decreases in net assets resulting from operations and the accompanying notes. Actual results could differ from those estimates and those differences could be material. ****

***Segment Reporting*** - Each sub-account of the Account constitutes a single operating segment and therefore, a single reportable segment. The chief operating decision maker ("CODM") oversees the activities of the Account using information of each sub-account. The Account is engaged in a single line of business as a registered unit investment trust. The Account is a funding vehicle for individual annuity Contracts issued by the Company to ****support the liabilities of the applicable Contracts. The Account's CODM is a group of executives that consists of Company's Chief Operating Officer, Assistant General Counsel, and Controller. ****

The CODM uses the increase (decrease) in net assets from operations as the performance measure to make operational decisions while monitoring the net assets of each of the sub-accounts within the Account. The accounting policies used to measure profit and loss of the segment are the same as those described in the summary of significant accounting policies. The measure of segment assets is reported on the Statement of Assets and Liabilities as net assets. The measure of segment profit and loss is reported on the Statements of Operations and Statements of Changes in Net Assets as increase (decrease) in net assets from operations. All assets and the increase (decrease) in net assets from operations are generated in the U.S.

***Subsequent Events*** - Subsequent events have been evaluated through April 7, 2026, the date the financial statements were issued, and no subsequent events requiring disclosure or adjustments to the financial statements have been identified.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**NOTES TO FINANCIAL STATEMENTS** 

**4.** **Fair Value Measurements** 

Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. The hierarchy for inputs used in determining fair value maximizes the use of observable inputs and minimizes the use of unobservable inputs by requiring that observable inputs be used when available. Assets recorded on the Statement of Net Assets at fair value are categorized in the fair value hierarchy based on the observability of inputs to the valuation techniques as follows:

---

| | |
|:---|:---|
|  *Level 1:* | Assets whose values are based on unadjusted quoted prices for identical assets in an active market that the Account can access. |
|  *Level 2:* | Assets whose values are based on the following:<br> &nbsp;&nbsp;&nbsp;&nbsp;(a) Quoted prices for similar assets in active markets;<br> &nbsp;&nbsp;&nbsp;&nbsp;(b) Quoted prices for identical or similar assets in markets that are not active; or<br> &nbsp;&nbsp;&nbsp;&nbsp;(c) Valuation models whose inputs are observable, directly or indirectly, for substantially the full term of the asset. |
|  *Level 3:* | Assets whose values are based on prices or valuation techniques that require inputs that are both unobservable and significant to the overall fair value measurement. Unobservable inputs reflect the Account's estimates of the assumptions that market participants would use in valuing the assets. |

---

In determining fair value, the Account uses the market approach, which generally utilizes market transaction data for the same or similar instruments. All investments during the reporting period consist of shares of the Funds that have daily quoted net asset values for identical assets that the sub-account can access and are categorized as Level 1. Net asset values for these actively traded Funds are obtained daily from the Funds' managers. The Account's policy is to recognize transfers of securities among the levels at the beginning of the reporting period.

**5.** **Expenses** 

***Surrender charge -*** In the event the policy is surrendered, a withdrawal charge may be imposed. The charge is assessed if the policy is surrendered during a specified time, which ranges from the first 9 years to the first 14 years depending upon the policy, and varies based upon several variables, including the policyholder's age and Account value at the time of surrender. This charge ranges from $3.32 to $49.00 per $1,000 of face amount. These amounts are included in transfers for policy benefits and terminations on the Statements of Changes in Net Assets. ****

***Monthly Deductions -*** On each monthly deduction day (the same day in each month as the Issue Date, or the last day of the month if a month does not have that day), the Company will deduct from the policy value an amount to cover certain charges and expenses incurred in connection with the policy. The monthly deduction is intended to compensate the Company for expenses incurred in connection with the cost of insurance, mortality and expense risk charges, administrative expense charges, and policy fees. The monthly deductions are recognized as a redemption of units and are included in policy maintenance charge reported in the Statements of Changes in Net Assets. They are as follows: ****

***Cost of Insurance*** - On all policies, the Company charges each policyholder monthly for cost of insurance. The cost of insurance is determined based upon several variables, including the policyholder's age and gender, the policy year, the face amount and the underwriting class. ****

***Mortality and Expense Risk Charge*** - The mortality and expense risk charge covers insurance benefits available with the policies and certain expenses of the policies. It also covers the risk that the current charges will not be sufficient in the future to cover the cost of administering the policies. The Company deducts charges daily at a rate ranging from 0.05% to 0.55% per annum of the net policy value and varies based on the policy year. ****

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**NOTES TO FINANCIAL STATEMENTS** 

***Administrative Expense Charge*** - The Company deducts an administrative expense charge on a monthly basis to cover expenses incurred in evaluating the insured person's risk, issuing the policy, and sales expenses. The annual amount of this charge ranges from $0.09 to $2.50 per $1,000 of face amount depending upon the policy and the policy year. ****

***Policy Fee*** - On all policies, the Company deducts a policy fee on a monthly basis to cover expenses such as salaries, postage and periodic reports. This fee ranges from $10 to $15 per month, depending upon the policy and the policy year. ****

**6.** **Purchases of Investments** 

The cost of investments purchased during the year ended December 31, 2025 was as follows:

---

| | |
|:---|:---|
| **Sub-Account** | **Purchases** |
|  AB VPS Discovery Value Portfolio - Class A | $798 |
|  AB VPS International Value Class A | 570 |
|  AB VPS Relative Value Portfolio - Class A | 4200 |
|  AB VPS Small Cap Growth Class A | 2125 |
|  Alger Balanced Class I-2 | 6397 |
|  Alger Capital Appreciation Class I-2 | 150644 |
|  Alger Large Cap Growth Class I-2 | 74167 |
|  Alger MidCap Growth Class I-2 | 17644 |
|  Alger Small Cap Growth Portfolio Class I-2 | 15163 |
|  DWS Equity 500 Index VIP Class A | 27878 |
|  DWS Global Income Builder VIP Class A II | 14931 |
|  DWS Small Cap Index VIP Class A | 5550 |
|  Fidelity<sup>®</sup> VIP Asset Manager 50% Portfolio Initial Class\* | 11321 |
|  Fidelity<sup>®</sup> VIP ContrafundSM Portfolio Initial Class | 356062 |
|  Fidelity<sup>®</sup> VIP Disciplined Small Cap Portfolio Initial Class | 10695 |
|  Fidelity<sup>®</sup> VIP Emerging Markets Portfolio Initial Class | 11220 |
|  Fidelity<sup>®</sup> VIP Equity-Income PortfolioSM Initial Class | 127977 |
|  Fidelity<sup>®</sup> VIP Government Money Market Portfolio Initial Class | 83357 |
|  Fidelity<sup>®</sup> VIP Growth & Income Portfolio Initial Class | 19575 |
|  Fidelity<sup>®</sup> VIP Growth Portfolio Initial Class | 312749 |
|  Fidelity<sup>®</sup> VIP High Income Portfolio Initial Class | 4027 |
|  Fidelity<sup>®</sup> VIP Index 500 Portfolio Initial Class | 215016 |
|  Fidelity<sup>®</sup> VIP Index 500 Portfolio Service Class | 53329 |
|  Fidelity<sup>®</sup> VIP Investment Grade Bond Portfolio Initial Class | 46164 |
|  Fidelity<sup>®</sup> VIP Mid Cap Portfolio Initial Class | 35732 |
|  Fidelity<sup>®</sup> VIP Overseas Portfolio Initial Class | 58664 |
|  Fidelity<sup>®</sup> VIP Real Estate Portfolio Initial Class | 22604 |
|  Fidelity<sup>®</sup> VIP Value Portfolio Initial Class | 1672 |
|  Fidelity<sup>®</sup> VIP Value Strategies Portfolio Initial Class | 2006 |
|  Franklin Templeton Global Bond VIP Fund Class 1 | 1086 |
|  Franklin Templeton Income VIP Fund Class 1 | 2889 |
|  Franklin Templeton Mutual Global Discovery VIP Fund Class 1 | 1250 |
|  Franklin Templeton Mutual Shares VIP Fund Class 1 | 754 |
|  Franklin Templeton Small Cap Value VIP Fund Class 1 | 9312 |
|  Franklin Templeton Small-Mid Cap Growth VIP Fund Class 1 | 2524 |
|  Franklin Templeton Strategic Income VIP Fund Class 1 | 1830 |
|  Franklin Templeton U.S. Government Securities VIP Fund Class 1 | 1242 |
|  Invesco V.I. American Franchise | 55605 |
|  Invesco V.I. American Value | 31924 |
|  Invesco V.I. Core Equity | 12961 |

---

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**NOTES TO FINANCIAL STATEMENTS** 

---

| | |
|:---|:---|
| **Sub-Account** | **Purchases** |
|  Invesco V.I. Core Plus Bond Fund - Series I | $1396 |
|  Invesco V.I. Discovery Mid Cap Growth Fund - Series I | 53220 |
|  Invesco V.I. Diversified Dividend Fund Series I | 1785 |
|  Invesco V.I. Equity and Income Fund - Series I | 6132 |
|  Invesco V.I. EQV International Equity Fund - Series I | 2079 |
|  Invesco V.I. Global Fund - Series I | 8978 |
|  Invesco V.I. Global Fund - Series II | 134138 |
|  Invesco V.I. Global Strategic Income Fund - Series I | 2116 |
|  Invesco V.I. Government Securities | 7245 |
|  Invesco V.I. Growth and Income Fund Series I | 50110 |
|  Invesco V.I. High Yield | 15471 |
|  Invesco V.I. International Growth Fund\* | 17511 |
|  Invesco V.I. Main Street Fund<sup>®</sup> - Series I | 1952 |
|  Invesco V.I. Main Street MidCap Fund - Series I | 22725 |
|  Invesco V.I. Main Street Small Cap Fund<sup>®</sup> - Series I | 150506 |
|  Janus Henderson Balanced Portfolio Institutional Shares | 4530 |
|  Janus Henderson Balanced Portfolio Service Shares | 40614 |
|  Janus Henderson Enterprise Portfolio Institutional Shares | 28870 |
|  Janus Henderson Flexible Bond Portfolio Institutional Shares | 4740 |
|  Janus Henderson Forty Portfolio Institutional Shares | 26251 |
|  Janus Henderson Global Research Portfolio Service Shares | 8701 |
|  Janus Henderson Glob.Tech. and Innovation Portfolio Institutional Shares | 30309 |
|  Janus Henderson Mid Cap Value Portfolio Institutional Shares | 12191 |
|  Janus Henderson Mid Cap Value Portfolio Service Shares | 34095 |
|  Janus Henderson Overseas Portfolio Institutional Shares | 11793 |
|  Janus Henderson Overseas Portfolio Service Shares | 5737 |
|  Janus Henderson Research Portfolio Institutional Shares | 1425 |
|  Lazard Retirement Emerging Markets Equity Portfolio | 2163 |
|  Legg Mason ClearBridge Variable Large Cap Value Portfolio Class I | 31635 |
|  Legg Mason Western Assets Variable Global High Yield Bond Portfolio Class I | 13758 |
|  MFS<sup>®</sup> High Yield Portfolio Initial Class | 9726 |
|  MFS<sup>®</sup> Investors Trust Series Initial Class | 13336 |
|  MFS<sup>®</sup> Mass. Investors Growth Stock Portfolio Initial Class | 22335 |
|  MFS<sup>®</sup> New Discovery Series Initial Class | 7019 |
|  MFS<sup>®</sup> Total Return Series Initial Class | 24779 |
|  MFS<sup>®</sup> Utilities Series Initial Class | 8443 |
|  MFS<sup>®</sup> Value Series Initial Class | 11069 |
|  Morgan Stanley VIF Emerging Markets Equity Portfolio Class I | 2395 |
|  Morgan Stanley VIF Growth Portfolio Class I | 8260 |
|  Morningstar Aggressive Growth ETF Asset Allocation Portfolio Class I | 157045 |
|  Morningstar Balanced ETF Asset Allocation Portfolio Class I | 149156 |
|  Morningstar Conservative ETF Asset Allocation Portfolio Class I | 6226 |
|  Morningstar Growth ETF Asset Allocation Portfolio Class I | 207137 |
|  Morningstar Income and Growth ETF Asset Allocation Portfolio Class I | 55329 |
|  PIMCO VIT Int. Bond U.S. Dollar-Hedged Admin. Shares | 6278 |
|  PIMCO VIT Real Return Portfolio Admin. Shares | 16023 |
|  PIMCO VIT Total Return Portfolio Admin. Shares | 33055 |
|  Putnam VT High Yield Fund Class IA | 12132 |
|  Putnam VT International Value Fund Class IA | 2596 |
| T. Rowe Price Blue Chip Growth Portfolio I | 37524 |
| T. Rowe Price Equity Income Portfolio I | 93214 |
|  VanEck VIP Emerging Markets Fund Initial Class | 9501 |
|  VanEck VIP Global Resources Fund - Initial Class | 7315 |

---

\*See Note 2 for disclosure of changes to the names of sub-accounts (and Funds) during 2025.

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**NOTES TO FINANCIAL STATEMENTS** 

**7.** **Financial Highlights** 

The Company offers multiple variable life policies through this Account that have unique combinations of features and fees that are assessed to the policyholders. Differences in these fee structures result in various policy expense rates and accumulation unit values which in turn result in various expense and total return ratios.

In the table below, the units, the range of lowest to highest unit values, the net assets, the investment income ratio, the range of lowest to highest expense ratios, and the range of total returns are presented for each policy option of the sub-accounts that had outstanding accumulation units during the period. These ranges of lowest to highest unit values and total return are based on the product groupings that represent lowest and highest expense ratio amounts. Therefore, some individual contract ratios are not within the ranges presented. The range of the lowest and highest unit fair values disclosed in the Statement of Net Assets may differ from the values disclosed herein because the values in the Statement of Net Assets represent the absolute lowest and highest values without consideration of the corresponding expense ratios.

**Items in the following table are notated as follows:** 

\* **Investment Income Ratio** - These amounts represent dividends, excluding realized gain distributions, received by the sub-account from the Fund, net of management fees assessed by the Fund manager, divided by the average net assets. These ratios exclude those expenses that result in a reduction in the accumulation unit values or redemption of accumulation units. The recognition of investment income by the sub-account is affected by the timing of the declaration of dividends by the Fund in which the sub-account invests. 

Sub-accounts with a date notation indicate the effective date of that investment option in the Account. Consistent with the total return the investment income ratio is calculated for the period or from the effective date through the end of the reporting period. The investment income ratio for closed sub-accounts is calculated from the beginning of period, or from the effective date, through the last day the sub-account was open. The investment income ratio is reported at zero when no dividend is received in the sub-account during the period or the net asset value at the end of the period is zero.

\*\* **Total Return** - These amounts represent the total return for periods indicated, including changes in the value of the Fund. The products currently sold through the Account do not contain expenses assessed through the reduction in the accumulation unit values. The ratio does not include any expenses assessed through the redemption of units. The total return is calculated as the change in the accumulation unit value during the reporting period, or the effective period if less than the reporting period, divided by the beginning of period accumulation unit value or the accumulation unit value on the effective date. 

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | At December 31, | At December 31, | At December 31, | For the year ended December 31, | For the year ended December 31, |
| | Accumulation<br>Units | Accumulation<br>Unit Value<br>Lowest to Highest | Net Assets | Investment <br>Income <br>Ratio\* | Total Return<br>Lowest to<br>Highest\*\* |
| AB VPS Discovery Value Portfolio - Class A | AB VPS Discovery Value Portfolio - Class A | AB VPS Discovery Value Portfolio - Class A | AB VPS Discovery Value Portfolio - Class A | AB VPS Discovery Value Portfolio - Class A | AB VPS Discovery Value Portfolio - Class A |
| 2025 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;98 | $39.97 | $3937 | 0.87% | 2.89% |
| 2024 | 93 | 38.85 | 3623 | 0.88 | 10.02 |
| 2023 | 117 | 35.31 | 4127 | 1.09 | 17.18 |
| 2022 | 98 | 30.14 | 2940 | 0.98 | (15.63) |
| 2021 | 124 | 35.72 | 4431 | 0.74 | 35.95 |

---

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**NOTES TO FINANCIAL STATEMENTS** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | At December 31, | At December 31, | At December 31, | At December 31, | For the year ended December 31, | For the year ended December 31, |
| | Accumulation<br>Units | Accumulation<br>Unit Value<br>Lowest to Highest | Accumulation<br>Unit Value<br>Lowest to Highest | Net Assets | Investment <br>Income <br>Ratio\* | Total Return<br>Lowest to<br>Highest\*\* |
| AB VPS International Value Class A | AB VPS International Value Class A | AB VPS International Value Class A | AB VPS International Value Class A | AB VPS International Value Class A | AB VPS International Value Class A | AB VPS International Value Class A |
| 2025 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;759 | $14.11 | $14.11 | $10714 | 2.16% | 41.70% |
| 2024 | 2337 | 9.96 | 9.96 | 23277 | 2.78 | 5.07 |
| 2023 | 2116 | 9.48 | 9.48 | 20058 | 0.75 | 15.15 |
| 2022 | 2334 | 8.23 | 8.23 | 19217 | 3.86 | (13.61) |
| 2021 | 3535 | 9.53 | 9.53 | 33687 | 2.09 | 11.08 |
| AB VPS Relative Value Portfolio - Class A | AB VPS Relative Value Portfolio - Class A | AB VPS Relative Value Portfolio - Class A | AB VPS Relative Value Portfolio - Class A | AB VPS Relative Value Portfolio - Class A | AB VPS Relative Value Portfolio - Class A | AB VPS Relative Value Portfolio - Class A |
| 2025 | 717 | 45.18 | 45.18 | 32373 | 1.12 | 10.47 |
| 2024 | 692 | 40.90 | 40.90 | 28286 | 1.46 | 13.02 |
| 2023 | 675 | 36.18 | 36.18 | 24424 | 1.56 | 12.03 |
| 2022 | 742 | 32.30 | 32.30 | 23968 | 1.42 | (4.19) |
| 2021 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;727 | 33.71 | 33.71 | 24512 | 0.83 | 28.16 |
| AB VPS Small Cap Growth Class A | AB VPS Small Cap Growth Class A | AB VPS Small Cap Growth Class A | AB VPS Small Cap Growth Class A | AB VPS Small Cap Growth Class A | AB VPS Small Cap Growth Class A | AB VPS Small Cap Growth Class A |
| 2025 | 479 | 58.33 | 58.33 | 27920 |  | 4.80 |
| 2024 | 488 | 55.66 | 55.66 | 27167 | 0.26 | 18.64 |
| 2023 | 949 | 46.91 | 46.91 | 44505 |  | 18.02 |
| 2022 | 1127 | 39.75 | 39.75 | 44782 |  | (39.09) |
| 2021 | 1086 | 65.26 | 65.26 | 70859 |  | 9.46 |
| Alger Balanced Class I-2 | Alger Balanced Class I-2 | Alger Balanced Class I-2 | Alger Balanced Class I-2 | Alger Balanced Class I-2 | Alger Balanced Class I-2 | Alger Balanced Class I-2 |
| 2025 | 968 | 22.90 | 37.12 | 31624 | 2.94 | 16.15 |
| 2024 | 902 | 19.72 | 31.96 | 25523 |  | 17.06 |
| 2023 | 1162 | 16.84 | 27.30 | 26727 | 1.34 | 17.43 |
| 2022 | 1327 | 14.34 | 23.25 | 24623 | 1.27 | (11.31) |
| 2021 | 1101 | 16.17 | 26.21 | 23563 | 0.93 | 19.12 |
| Alger Capital Appreciation Class I-2 | Alger Capital Appreciation Class I-2 | Alger Capital Appreciation Class I-2 | Alger Capital Appreciation Class I-2 | Alger Capital Appreciation Class I-2 | Alger Capital Appreciation Class I-2 | Alger Capital Appreciation Class I-2 |
| 2025 | 6210 | 44.24 | 245.74 | 762760 |  | 32.87 |
| 2024 | 6637 | 33.30 | 184.95 | 610646 |  | 48.13 |
| 2023 | 7098 | 22.48 | 124.85 | 457421 |  | 43.13 |
| 2022 | 6463 | 15.70 | 87.23 | 317277 |  | (36.52) |
| 2021 | 5144 | 24.74 | 137.42 | 452498 |  | 19.13 |
| Alger Large Cap Growth Class I-2 | Alger Large Cap Growth Class I-2 | Alger Large Cap Growth Class I-2 | Alger Large Cap Growth Class I-2 | Alger Large Cap Growth Class I-2 | Alger Large Cap Growth Class I-2 | Alger Large Cap Growth Class I-2 |
| 2025 | 5646 | 76.45 | 114.84 | 631282 |  | 30.27 |
| 2024 | 5978 | 58.69 | 88.15 | 513886 |  | 42.89 |
| 2023 | 6870 | 41.07 | 61.69 | 414764 |  | 32.67 |
| 2022 | 7271 | 30.96 | 46.50 | 331396 |  | (38.65) |
| 2021 | 7042 | 50.47 | 75.80 | 523245 |  | 11.84 |
| Alger MidCap Growth Class I-2 | Alger MidCap Growth Class I-2 | Alger MidCap Growth Class I-2 | Alger MidCap Growth Class I-2 | Alger MidCap Growth Class I-2 | Alger MidCap Growth Class I-2 | Alger MidCap Growth Class I-2 |
| 2025 | 8086 | 25.86 | 102.87 | 692757 |  | 16.76 |
| 2024 | 8278 | 22.15 | 88.10 | 600762 |  | 21.07 |
| 2023 | 9480 | 18.29 | 72.77 | 560665 |  | 23.17 |

---

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**NOTES TO FINANCIAL STATEMENTS** 

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | At December 31, | At December 31, | At December 31, | At December 31, | At December 31, | For the year ended December 31, | For the year ended December 31, |
| | Accumulation<br>Units | Accumulation<br>Unit Value<br>Lowest to Highest | Accumulation<br>Unit Value<br>Lowest to Highest | Net Assets | Net Assets | Investment <br>Income <br>Ratio\* | Total Return<br>Lowest to<br>Highest\*\* |
| 2022 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9250 | $14.85 | $59.08 | $| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;459092 | —% | (36.07) % |
| 2021 | 8429 | 23.23 | 92.42 |  | 668363 |  | 4.20 |
| Alger Small Cap Growth Portfolio Class I-2 | Alger Small Cap Growth Portfolio Class I-2 | Alger Small Cap Growth Portfolio Class I-2 | Alger Small Cap Growth Portfolio Class I-2 | Alger Small Cap Growth Portfolio Class I-2 | Alger Small Cap Growth Portfolio Class I-2 | Alger Small Cap Growth Portfolio Class I-2 | Alger Small Cap Growth Portfolio Class I-2 |
| 2025 | 4262 | 19.25 | 19.25 |  | 82043 |  | 5.91 |
| 2024 | 3494 | 18.18 | 18.18 |  | 63513 | 0.42 | 8.13 |
| 2023 | 3051 | 16.81 | 16.81 |  | 51296 |  | 16.49 |
| 2022 | 2364 | 14.43 | 14.43 |  | 34121 |  | (38.01) |
| 2021 | 1193 | 23.28 | 23.28 |  | 27766 |  | (6.06) |
| DWS Equity 500 Index VIP Class A | DWS Equity 500 Index VIP Class A | DWS Equity 500 Index VIP Class A | DWS Equity 500 Index VIP Class A | DWS Equity 500 Index VIP Class A | DWS Equity 500 Index VIP Class A | DWS Equity 500 Index VIP Class A | DWS Equity 500 Index VIP Class A |
| 2025 | 2296 | 120.49 | 120.49 |  | 276633 | 1.06 | 17.63 |
| 2024 | 2370 | 102.43 | 102.43 |  | 242739 | 1.28 | 24.63 |
| 2023 | 2902 | 82.19 | 82.19 |  | 238499 | 1.36 | 26.00 |
| 2022 | 3024 | 65.23 | 65.23 |  | 197255 | 1.27 | (18.34) |
| 2021 | 3199 | 79.88 | 79.88 |  | 255538 | 1.47 | 28.40 |
| DWS Global Income Builder VIP Class A II | DWS Global Income Builder VIP Class A II | DWS Global Income Builder VIP Class A II | DWS Global Income Builder VIP Class A II | DWS Global Income Builder VIP Class A II | DWS Global Income Builder VIP Class A II | DWS Global Income Builder VIP Class A II | DWS Global Income Builder VIP Class A II |
| 2025 | 2638 | 33.55 | 33.55 |  | 88496 | 4.42 | 15.80 |
| 2024 | 2634 | 28.97 | 28.97 |  | 76307 | 3.44 | 9.10 |
| 2023 | 2736 | 26.56 | 26.56 |  | 72649 | 3.09 | 14.89 |
| 2022 | 2703 | 23.11 | 23.11 |  | 62472 | 3.03 | (14.98) |
| 2021 | 3068 | 27.19 | 27.19 |  | 83404 | 2.30 | 10.96 |
| DWS Small Cap Index VIP Class A | DWS Small Cap Index VIP Class A | DWS Small Cap Index VIP Class A | DWS Small Cap Index VIP Class A | DWS Small Cap Index VIP Class A | DWS Small Cap Index VIP Class A | DWS Small Cap Index VIP Class A | DWS Small Cap Index VIP Class A |
| 2025 | 792 | 87.74 | 87.74 |  | 69471 | 1.34 | 12.64 |
| 2024 | 795 | 77.90 | 77.90 |  | 61905 | 1.16 | 11.15 |
| 2023 | 793 | 70.08 | 70.08 |  | 55589 | 1.11 | 16.76 |
| 2022 | 829 | 60.02 | 60.02 |  | 49762 | 0.92 | (20.64) |
| 2021 | 920 | 75.63 | 75.63 |  | 69553 | 0.83 | 14.50 |
| Fidelity<sup>®</sup> VIP Asset Manager 50% Portfolio Initial Class | Fidelity<sup>®</sup> VIP Asset Manager 50% Portfolio Initial Class | Fidelity<sup>®</sup> VIP Asset Manager 50% Portfolio Initial Class | Fidelity<sup>®</sup> VIP Asset Manager 50% Portfolio Initial Class | Fidelity<sup>®</sup> VIP Asset Manager 50% Portfolio Initial Class | Fidelity<sup>®</sup> VIP Asset Manager 50% Portfolio Initial Class | Fidelity<sup>®</sup> VIP Asset Manager 50% Portfolio Initial Class | Fidelity<sup>®</sup> VIP Asset Manager 50% Portfolio Initial Class |
| 2025 | 2577 | 45.82 | 45.82 |  | 118062 | 2.45 | 14.98 |
| 2024 | 2861 | 39.85 | 39.85 |  | 113987 | 2.53 | 8.50 |
| 2023 | 2772 | 36.73 | 36.73 |  | 101822 | 2.36 | 12.94 |
| 2022 | 2806 | 32.52 | 32.52 |  | 91247 | 2.16 | (14.94) |
| 2021 | 2691 | 38.23 | 38.23 |  | 102888 | 1.61 | 9.92 |
| Fidelity<sup>®</sup> VIP ContrafundSM Portfolio Initial Class | Fidelity<sup>®</sup> VIP ContrafundSM Portfolio Initial Class | Fidelity<sup>®</sup> VIP ContrafundSM Portfolio Initial Class | Fidelity<sup>®</sup> VIP ContrafundSM Portfolio Initial Class | Fidelity<sup>®</sup> VIP ContrafundSM Portfolio Initial Class | Fidelity<sup>®</sup> VIP ContrafundSM Portfolio Initial Class | Fidelity<sup>®</sup> VIP ContrafundSM Portfolio Initial Class | Fidelity<sup>®</sup> VIP ContrafundSM Portfolio Initial Class |
| 2025 | 16447 | 35.65 | 160.80 |  | 2232835 | 0.14 | 21.48 |
| 2024 | 16872 | 29.34 | 132.37 |  | 1864960 | 0.19 | 33.79 |
| 2023 | 18287 | 21.93 | 98.94 |  | 1496972 | 0.51 | 33.45 |
| 2022 | 18038 | 16.43 | 74.14 |  | 1135528 | 0.51 | (26.31) |
| 2021 | 17865 | 22.30 | 100.61 |  | 1558268 | 0.06 | 27.83 |

---

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**NOTES TO FINANCIAL STATEMENTS** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | At December 31, | At December 31, | At December 31, | At December 31, | For the year ended December 31, | For the year ended December 31, |
| | Accumulation<br>Units | Accumulation<br>Unit Value<br>Lowest to Highest | Accumulation<br>Unit Value<br>Lowest to Highest | Net Assets | Investment <br>Income <br>Ratio\* | Total Return<br>Lowest to<br>Highest\*\* |
| Fidelity<sup>®</sup> VIP Disciplined Small Cap Portfolio Initial Class | Fidelity<sup>®</sup> VIP Disciplined Small Cap Portfolio Initial Class | Fidelity<sup>®</sup> VIP Disciplined Small Cap Portfolio Initial Class | Fidelity<sup>®</sup> VIP Disciplined Small Cap Portfolio Initial Class | Fidelity<sup>®</sup> VIP Disciplined Small Cap Portfolio Initial Class | Fidelity<sup>®</sup> VIP Disciplined Small Cap Portfolio Initial Class | Fidelity<sup>®</sup> VIP Disciplined Small Cap Portfolio Initial Class |
| 2025 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2428 | $23.23 | $23.23 | $56410 | 0.93% | 17.38% |
| 2024 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2119 | 19.79 | 19.79 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;41931 | 1.12 | 16.87 |
| 2023 | 1749 | 16.93 | 16.93 | 29610 | 1.21 | 20.96 |
| 2022 | 1391 | 14.00 | 14.00 | 19476 | 0.94 | (18.23) |
| 2021 | 829 | 17.12 | 17.12 | 14185 | 0.44 | 20.66 |
| Fidelity<sup>®</sup> VIP Emerging Markets Portfolio Initial Class | Fidelity<sup>®</sup> VIP Emerging Markets Portfolio Initial Class | Fidelity<sup>®</sup> VIP Emerging Markets Portfolio Initial Class | Fidelity<sup>®</sup> VIP Emerging Markets Portfolio Initial Class | Fidelity<sup>®</sup> VIP Emerging Markets Portfolio Initial Class | Fidelity<sup>®</sup> VIP Emerging Markets Portfolio Initial Class | Fidelity<sup>®</sup> VIP Emerging Markets Portfolio Initial Class |
| 2025 | 5944 | 21.22 | 27.63 | 134858 | 1.97 | 41.20 |
| 2024 | 5909 | 15.03 | 19.57 | 94660 | 1.48 | 10.04 |
| 2023 | 5464 | 13.66 | 17.78 | 80549 | 2.48 | 9.66 |
| 2022 | 4838 | 12.45 | 16.22 | 65165 | 1.95 | (20.11) |
| 2021 | 3714 | 15.59 | 20.30 | 63848 | 2.54 | (2.24) |
| Fidelity<sup>®</sup> VIP Equity-Income PortfolioSM Initial Class | Fidelity<sup>®</sup> VIP Equity-Income PortfolioSM Initial Class | Fidelity<sup>®</sup> VIP Equity-Income PortfolioSM Initial Class | Fidelity<sup>®</sup> VIP Equity-Income PortfolioSM Initial Class | Fidelity<sup>®</sup> VIP Equity-Income PortfolioSM Initial Class | Fidelity<sup>®</sup> VIP Equity-Income PortfolioSM Initial Class | Fidelity<sup>®</sup> VIP Equity-Income PortfolioSM Initial Class |
| 2025 | 21807 | 24.39 | 75.90 | 1556384 | 1.83 | 19.02 |
| 2024 | 22527 | 20.50 | 63.77 | 1351346 | 1.79 | 15.35 |
| 2023 | 23922 | 17.77 | 55.29 | 1216071 | 1.96 | 10.65 |
| 2022 | 24558 | 16.06 | 49.97 | 1150713 | 1.89 | (4.96) |
| 2021 | 25525 | 16.90 | 52.57 | 1260719 | 1.93 | 24.89 |
| Fidelity<sup>®</sup> VIP Government Money Market Portfolio Initial Class | Fidelity<sup>®</sup> VIP Government Money Market Portfolio Initial Class | Fidelity<sup>®</sup> VIP Government Money Market Portfolio Initial Class | Fidelity<sup>®</sup> VIP Government Money Market Portfolio Initial Class | Fidelity<sup>®</sup> VIP Government Money Market Portfolio Initial Class | Fidelity<sup>®</sup> VIP Government Money Market Portfolio Initial Class | Fidelity<sup>®</sup> VIP Government Money Market Portfolio Initial Class |
| 2025 | 51363 | 12.16 | 17.90 | 856594 | 4.06 | 4.13 |
| 2024 | 51359 | 11.67 | 17.19 | 823733 | 4.96 | 5.10 |
| 2023 | 39778 | 11.11 | 16.36 | 602022 | 4.79 | 4.89 |
| 2022 | 40043 | 10.59 | 15.60 | 581396 | 1.42 | 1.44 |
| 2021 | 42212 | 10.44 | 15.37 | 602611 | 0.01 | 0.01 |
| Fidelity<sup>®</sup> VIP Growth & Income Portfolio Initial Class | Fidelity<sup>®</sup> VIP Growth & Income Portfolio Initial Class | Fidelity<sup>®</sup> VIP Growth & Income Portfolio Initial Class | Fidelity<sup>®</sup> VIP Growth & Income Portfolio Initial Class | Fidelity<sup>®</sup> VIP Growth & Income Portfolio Initial Class | Fidelity<sup>®</sup> VIP Growth & Income Portfolio Initial Class | Fidelity<sup>®</sup> VIP Growth & Income Portfolio Initial Class |
| 2025 | 1470 | 56.52 | 56.52 | 83108 | 1.64 | 21.50 |
| 2024 | 1453 | 46.52 | 46.52 | 67595 | 1.09 | 22.21 |
| 2023 | 2199 | 38.06 | 38.06 | 83691 | 1.69 | 18.72 |
| 2022 | 2235 | 32.06 | 32.06 | 71644 | 1.75 | (4.95) |
| 2021 | 2249 | 33.73 | 33.73 | 75851 | 2.62 | 25.95 |
| Fidelity<sup>®</sup> VIP Growth Portfolio Initial Class | Fidelity<sup>®</sup> VIP Growth Portfolio Initial Class | Fidelity<sup>®</sup> VIP Growth Portfolio Initial Class | Fidelity<sup>®</sup> VIP Growth Portfolio Initial Class | Fidelity<sup>®</sup> VIP Growth Portfolio Initial Class | Fidelity<sup>®</sup> VIP Growth Portfolio Initial Class | Fidelity<sup>®</sup> VIP Growth Portfolio Initial Class |
| 2025 | 19334 | 40.00 | 127.31 | 2265571 | 0.29 | 14.90 |
| 2024 | 20736 | 34.81 | 110.80 | 2099209 |  | 30.39 |
| 2023 | 23765 | 26.70 | 84.98 | 1861065 | 0.13 | 36.24 |
| 2022 | 24816 | 19.60 | 62.37 | 1443197 | 0.61 | (24.46) |
| 2021 | 24990 | 25.94 | 82.57 | 1935457 |  | 23.21 |

---

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**NOTES TO FINANCIAL STATEMENTS** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | At December 31, | At December 31, | At December 31, | At December 31, | For the year ended December 31, | For the year ended December 31, |
| | Accumulation<br>Units | Accumulation<br>Unit Value<br>Lowest to Highest | Accumulation<br>Unit Value<br>Lowest to Highest | Net Assets | Investment <br>Income <br>Ratio\* | Total Return<br>Lowest to<br>Highest\*\* |
| Fidelity<sup>®</sup> VIP High Income Portfolio Initial Class | Fidelity<sup>®</sup> VIP High Income Portfolio Initial Class | Fidelity<sup>®</sup> VIP High Income Portfolio Initial Class | Fidelity<sup>®</sup> VIP High Income Portfolio Initial Class | Fidelity<sup>®</sup> VIP High Income Portfolio Initial Class | Fidelity<sup>®</sup> VIP High Income Portfolio Initial Class | Fidelity<sup>®</sup> VIP High Income Portfolio Initial Class |
| 2025 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1063 | $25.66 | $25.66 | $27283 | 6.70% | 10.36% |
| 2024 | 1030 | 23.25 | 23.25 | 23944 | 6.05 | 8.97 |
| 2023 | 1241 | 21.33 | 21.33 | 26468 | 4.94 | 10.48 |
| 2022 | 1489 | 19.31 | 19.31 | 28754 | 5.40 | (11.37) |
| 2021 | 1369 | 21.79 | 21.79 | 29823 | 5.56 | 4.41 |
| Fidelity<sup>®</sup> VIP Index 500 Portfolio Initial Class | Fidelity<sup>®</sup> VIP Index 500 Portfolio Initial Class | Fidelity<sup>®</sup> VIP Index 500 Portfolio Initial Class | Fidelity<sup>®</sup> VIP Index 500 Portfolio Initial Class | Fidelity<sup>®</sup> VIP Index 500 Portfolio Initial Class | Fidelity<sup>®</sup> VIP Index 500 Portfolio Initial Class | Fidelity<sup>®</sup> VIP Index 500 Portfolio Initial Class |
| 2025 | 53529 | 31.94 | 100.85 | 3011962 | 1.17 | 17.78 |
| 2024 | 54387 | 27.12 | 85.63 | 2602038 | 1.30 | 24.90 |
| 2023 | 50880 | 21.71 | 68.56 | 2067162 | 1.56 | 26.19 |
| 2022 | 45446 | 17.21 | 54.33 | 1579234 | 1.52 | (18.21) |
| 2021 | 37229 | 21.04 | 66.43 | 1760824 | 1.33 | 28.58 |
| Fidelity<sup>®</sup> VIP Index 500 Portfolio Service Class | Fidelity<sup>®</sup> VIP Index 500 Portfolio Service Class | Fidelity<sup>®</sup> VIP Index 500 Portfolio Service Class | Fidelity<sup>®</sup> VIP Index 500 Portfolio Service Class | Fidelity<sup>®</sup> VIP Index 500 Portfolio Service Class | Fidelity<sup>®</sup> VIP Index 500 Portfolio Service Class | Fidelity<sup>®</sup> VIP Index 500 Portfolio Service Class |
| 2025 | 12928 | 66.24 | 66.24 | 856308 | 1.08 | 17.66 |
| 2024 | 14143 | 56.30 | 56.30 | 796171 | 1.21 | 24.77 |
| 2023 | 14148 | 45.12 | 45.12 | 638349 | 1.39 | 26.07 |
| 2022 | 14169 | 35.79 | 35.79 | 507099 | 1.41 | (18.30) |
| 2021 | 13328 | 43.80 | 43.80 | 583796 | 1.20 | 28.45 |
| Fidelity<sup>®</sup> VIP Investment Grade Bond Portfolio Initial Class | Fidelity<sup>®</sup> VIP Investment Grade Bond Portfolio Initial Class | Fidelity<sup>®</sup> VIP Investment Grade Bond Portfolio Initial Class | Fidelity<sup>®</sup> VIP Investment Grade Bond Portfolio Initial Class | Fidelity<sup>®</sup> VIP Investment Grade Bond Portfolio Initial Class | Fidelity<sup>®</sup> VIP Investment Grade Bond Portfolio Initial Class | Fidelity<sup>®</sup> VIP Investment Grade Bond Portfolio Initial Class |
| 2025 | 23226 | 12.03 | 22.34 | 472770 | 3.62 | 7.22 |
| 2024 | 22354 | 11.22 | 20.83 | 426163 | 3.60 | 1.79 |
| 2023 | 21071 | 11.03 | 20.47 | 397456 | 2.69 | 6.20 |
| 2022 | 19937 | 10.38 | 19.27 | 358077 | 2.29 | (12.96) |
| 2021 | 19747 | 11.93 | 22.14 | 409629 | 2.10 | (0.61) |
| Fidelity<sup>®</sup> VIP Mid Cap Portfolio Initial Class | Fidelity<sup>®</sup> VIP Mid Cap Portfolio Initial Class | Fidelity<sup>®</sup> VIP Mid Cap Portfolio Initial Class | Fidelity<sup>®</sup> VIP Mid Cap Portfolio Initial Class | Fidelity<sup>®</sup> VIP Mid Cap Portfolio Initial Class | Fidelity<sup>®</sup> VIP Mid Cap Portfolio Initial Class | Fidelity<sup>®</sup> VIP Mid Cap Portfolio Initial Class |
| 2025 | 3803 | 22.70 | 45.89 | 113767 | 0.48 | 11.75 |
| 2024 | 3175 | 20.31 | 41.06 | 90438 | 0.55 | 17.49 |
| 2023 | 3000 | 17.29 | 34.95 | 76987 | 0.67 | 15.08 |
| 2022 | 2606 | 15.02 | 30.37 | 60499 | 0.50 | (14.74) |
| 2021 | 2324 | 17.62 | 35.62 | 69479 | 0.62 | 25.60 |
| Fidelity<sup>®</sup> VIP Overseas Portfolio Initial Class | Fidelity<sup>®</sup> VIP Overseas Portfolio Initial Class | Fidelity<sup>®</sup> VIP Overseas Portfolio Initial Class | Fidelity<sup>®</sup> VIP Overseas Portfolio Initial Class | Fidelity<sup>®</sup> VIP Overseas Portfolio Initial Class | Fidelity<sup>®</sup> VIP Overseas Portfolio Initial Class | Fidelity<sup>®</sup> VIP Overseas Portfolio Initial Class |
| 2025 | 11203 | 18.72 | 44.03 | 450867 | 1.60 | 20.39 |
| 2024 | 11741 | 15.55 | 36.57 | 387218 | 1.61 | 5.05 |
| 2023 | 12779 | 14.80 | 34.81 | 406596 | 1.05 | 20.51 |
| 2022 | 12924 | 12.28 | 28.89 | 343280 | 1.11 | (24.48) |
| 2021 | 12181 | 16.26 | 38.26 | 438036 | 0.55 | 19.70 |

---

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**NOTES TO FINANCIAL STATEMENTS** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | At December 31, | At December 31, | At December 31, | At December 31, | For the year ended December 31, | For the year ended December 31, |
| | Accumulation<br>Units | Accumulation<br>Unit Value<br>Lowest to Highest | Accumulation<br>Unit Value<br>Lowest to Highest | Net Assets | Investment <br>Income <br>Ratio\* | Total Return<br>Lowest to<br>Highest\*\* |
| Fidelity<sup>®</sup> VIP Real Estate Portfolio Initial Class | Fidelity<sup>®</sup> VIP Real Estate Portfolio Initial Class | Fidelity<sup>®</sup> VIP Real Estate Portfolio Initial Class | Fidelity<sup>®</sup> VIP Real Estate Portfolio Initial Class | Fidelity<sup>®</sup> VIP Real Estate Portfolio Initial Class | Fidelity<sup>®</sup> VIP Real Estate Portfolio Initial Class | Fidelity<sup>®</sup> VIP Real Estate Portfolio Initial Class |
| 2025 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4259 | $13.78 | $24.75 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;74262 | 2.09% | 3.10% |
| 2024 | 4476 | 13.36 | 24.00 | 79836 | 4.20 | 6.52 |
| 2023 | 4170 | 12.55 | 22.53 | 71647 | 2.60 | 11.19 |
| 2022 | 3341 | 11.28 | 20.26 | 53268 | 1.45 | (27.51) |
| 2021 | 2835 | 15.56 | 27.95 | 63806 | 1.27 | 38.99 |
| Fidelity<sup>®</sup> VIP Value Portfolio Initial Class | Fidelity<sup>®</sup> VIP Value Portfolio Initial Class | Fidelity<sup>®</sup> VIP Value Portfolio Initial Class | Fidelity<sup>®</sup> VIP Value Portfolio Initial Class | Fidelity<sup>®</sup> VIP Value Portfolio Initial Class | Fidelity<sup>®</sup> VIP Value Portfolio Initial Class | Fidelity<sup>®</sup> VIP Value Portfolio Initial Class |
| 2025 | 297 | 24.32 | 24.32 | 7233 | 1.50 | 11.23 |
| 2024 | 280 | 21.87 | 21.87 | 6127 | 1.42 | 11.37 |
| 2023 | 238 | 19.63 | 19.63 | 4680 | 1.59 | 19.79 |
| 2022 | 204 | 16.39 | 16.39 | 3339 | 1.43 | (4.11) |
| 2021 | 141 | 17.09 | 17.09 | 2402 | 2.35 | 30.16 |
| Fidelity<sup>®</sup> VIP Value Strategies Portfolio Initial Class | Fidelity<sup>®</sup> VIP Value Strategies Portfolio Initial Class | Fidelity<sup>®</sup> VIP Value Strategies Portfolio Initial Class | Fidelity<sup>®</sup> VIP Value Strategies Portfolio Initial Class | Fidelity<sup>®</sup> VIP Value Strategies Portfolio Initial Class | Fidelity<sup>®</sup> VIP Value Strategies Portfolio Initial Class | Fidelity<sup>®</sup> VIP Value Strategies Portfolio Initial Class |
| 2025 | 525 | 45.19 | 45.19 | 23701 | 1.16 | 7.99 |
| 2024 | 512 | 41.84 | 41.84 | 21443 | 1.07 | 9.40 |
| 2023 | 503 | 38.25 | 38.25 | 19223 | 1.23 | 20.85 |
| 2022 | 487 | 31.65 | 31.65 | 15429 | 1.15 | (7.03) |
| 2021 | 471 | 34.04 | 34.04 | 16038 | 1.74 | 33.60 |
| Franklin Templeton Global Bond VIP Fund Class 1 | Franklin Templeton Global Bond VIP Fund Class 1 | Franklin Templeton Global Bond VIP Fund Class 1 | Franklin Templeton Global Bond VIP Fund Class 1 | Franklin Templeton Global Bond VIP Fund Class 1 | Franklin Templeton Global Bond VIP Fund Class 1 | Franklin Templeton Global Bond VIP Fund Class 1 |
| 2025 | 1757 | 15.96 | 15.96 | 28048 |  | 16.09 |
| 2024 | 1748 | 13.75 | 13.75 | 24027 |  | (11.13) |
| 2023 | 2055 | 15.47 | 15.47 | 31785 |  | 3.19 |
| 2022 | 2065 | 14.99 | 14.99 | 30954 |  | (4.85) |
| 2021 | 2018 | 15.75 | 15.75 | 31793 |  | (4.62) |
| Franklin Templeton Income VIP Fund Class 1 | Franklin Templeton Income VIP Fund Class 1 | Franklin Templeton Income VIP Fund Class 1 | Franklin Templeton Income VIP Fund Class 1 | Franklin Templeton Income VIP Fund Class 1 | Franklin Templeton Income VIP Fund Class 1 | Franklin Templeton Income VIP Fund Class 1 |
| 2025 | 1113 | 28.78 | 28.78 | 32026 | 5.05 | 12.87 |
| 2024 | 1085 | 25.50 | 25.50 | 27677 | 5.16 | 7.46 |
| 2023 | 1036 | 23.73 | 23.73 | 24575 | 5.14 | 8.87 |
| 2022 | 1010 | 21.80 | 21.80 | 22013 | 4.98 | (5.24) |
| 2021 | 1365 | 23.00 | 23.00 | 31408 | 4.69 | 17.00 |
| Franklin Templeton Mutual Global Discovery VIP Fund Class 1 | Franklin Templeton Mutual Global Discovery VIP Fund Class 1 | Franklin Templeton Mutual Global Discovery VIP Fund Class 1 | Franklin Templeton Mutual Global Discovery VIP Fund Class 1 | Franklin Templeton Mutual Global Discovery VIP Fund Class 1 | Franklin Templeton Mutual Global Discovery VIP Fund Class 1 | Franklin Templeton Mutual Global Discovery VIP Fund Class 1 |
| 2025 | 220 | 34.90 | 34.90 | 7674 | 2.09 | 23.62 |
| 2024 | 215 | 28.23 | 28.23 | 6070 | 1.95 | 4.98 |
| 2023 | 205 | 26.89 | 26.89 | 5524 | 2.69 | 20.55 |
| 2022 | 195 | 22.31 | 22.31 | 4357 | 1.64 | (4.52) |
| 2021 | 201 | 23.36 | 23.36 | 4690 | 2.74 | 19.43 |

---

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**NOTES TO FINANCIAL STATEMENTS** 

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | At December 31, | At December 31, | At December 31, | For the year ended December 31, | For the year ended December 31, |
| | Accumulation<br>Units | Accumulation<br>Unit Value<br>Lowest to Highest | Net Assets | Investment <br>Income <br>Ratio\* | Total Return<br>Lowest to<br>Highest\*\* |
| Franklin Templeton Mutual Shares VIP Fund Class 1 | Franklin Templeton Mutual Shares VIP Fund Class 1 | Franklin Templeton Mutual Shares VIP Fund Class 1 | Franklin Templeton Mutual Shares VIP Fund Class 1 | Franklin Templeton Mutual Shares VIP Fund Class 1 | Franklin Templeton Mutual Shares VIP Fund Class 1 |
| 2025 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;166 | $29.63 | $4924 | 2.31% | 11.81% |
| 2024 | 160 | 26.50 | 4251 | 2.20 | 11.50 |
| 2023 | 161 | 23.77 | 3829 | 2.27 | 13.73 |
| 2022 | 200 | 20.90 | 4183 | 2.18 | (7.15) |
| 2021 | 195 | 22.51 | 4392 | 3.15 | 19.52 |
| Franklin Templeton Small Cap Value VIP Fund Class 1 | Franklin Templeton Small Cap Value VIP Fund Class 1 | Franklin Templeton Small Cap Value VIP Fund Class 1 | Franklin Templeton Small Cap Value VIP Fund Class 1 | Franklin Templeton Small Cap Value VIP Fund Class 1 | Franklin Templeton Small Cap Value VIP Fund Class 1 |
| 2025 | 1367 | 41.88 | 57259 | 1.25 | 7.90 |
| 2024 | 2039 | 38.82 | 79148 | 1.11 | 12.01 |
| 2023 | 2031 | 34.65 | 70394 | 0.73 | 13.02 |
| 2022 | 1887 | 30.66 | 57873 | 1.26 | (9.82) |
| 2021 | 2320 | 34.00 | 78885 | 1.14 | 25.67 |
| Franklin Templeton Small-Mid Cap Growth VIP Fund Class 1 | Franklin Templeton Small-Mid Cap Growth VIP Fund Class 1 | Franklin Templeton Small-Mid Cap Growth VIP Fund Class 1 | Franklin Templeton Small-Mid Cap Growth VIP Fund Class 1 | Franklin Templeton Small-Mid Cap Growth VIP Fund Class 1 | Franklin Templeton Small-Mid Cap Growth VIP Fund Class 1 |
| 2025 | 586 | 45.61 | 26708 |  | 2.70 |
| 2024 | 876 | 44.41 | 38893 |  | 11.31 |
| 2023 | 933 | 39.89 | 37203 |  | 27.12 |
| 2022 | 910 | 31.38 | 28559 |  | (33.52) |
| 2021 | 896 | 47.21 | 42317 |  | 10.25 |
| Franklin Templeton Strategic Income VIP Fund Class 1 | Franklin Templeton Strategic Income VIP Fund Class 1 | Franklin Templeton Strategic Income VIP Fund Class 1 | Franklin Templeton Strategic Income VIP Fund Class 1 | Franklin Templeton Strategic Income VIP Fund Class 1 | Franklin Templeton Strategic Income VIP Fund Class 1 |
| 2025 | 431 | 20.05 | 8645 | 6.64 | 7.42 |
| 2024 | 1097 | 18.66 | 20470 | 4.55 | 4.32 |
| 2023 | 1036 | 17.89 | 18530 | 4.67 | 8.37 |
| 2022 | 993 | 16.51 | 16393 | 4.38 | (10.46) |
| 2021 | 939 | 18.44 | 17310 | 3.47 | 2.28 |
| Franklin Templeton U.S. Government Securities VIP Fund Class 1 | Franklin Templeton U.S. Government Securities VIP Fund Class 1 | Franklin Templeton U.S. Government Securities VIP Fund Class 1 | Franklin Templeton U.S. Government Securities VIP Fund Class 1 | Franklin Templeton U.S. Government Securities VIP Fund Class 1 | Franklin Templeton U.S. Government Securities VIP Fund Class 1 |
| 2025 | 1041 | 14.58 | 15175 | 3.21 | 7.01 |
| 2024 | 1272 | 13.62 | 17323 | 3.21 | 1.50 |
| 2023 | 1233 | 13.42 | 16545 | 2.93 | 4.76 |
| 2022 | 1197 | 12.81 | 15334 | 2.60 | (9.50) |
| 2021 | 1212 | 14.16 | 17156 | 2.63 | (1.62) |
| Invesco V.I. American Franchise | Invesco V.I. American Franchise | Invesco V.I. American Franchise | Invesco V.I. American Franchise | Invesco V.I. American Franchise | Invesco V.I. American Franchise |
| 2025 | 8612 | 62.22 | 535828 |  | 11.66 |
| 2024 | 8939 | 55.72 | 498075 |  | 34.89 |
| 2023 | 9872 | 41.31 | 407789 |  | 40.93 |
| 2022 | 10512 | 29.31 | 308123 |  | (31.11) |
| 2021 | 10517 | 42.55 | 447481 |  | 11.93 |

---

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**NOTES TO FINANCIAL STATEMENTS** 

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | At December 31, | At December 31, | At December 31, | At December 31, | For the year ended December 31, | For the year ended December 31, | For the year ended December 31, |
| | Accumulation<br>Units | Accumulation<br>Unit Value<br>Lowest to Highest | Accumulation<br>Unit Value<br>Lowest to Highest | Net Assets | Investment <br>Income <br>Ratio\* | Total Return<br>Lowest to<br>Highest\*\* | Total Return<br>Lowest to<br>Highest\*\* |
| Invesco V.I. American Value | Invesco V.I. American Value | Invesco V.I. American Value | Invesco V.I. American Value | Invesco V.I. American Value | Invesco V.I. American Value | Invesco V.I. American Value | Invesco V.I. American Value |
| 2025 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2627 | $27.82 | $84.36 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;193172 | 0.47% | 21.00 | 21.00% |
| 2024 | 2664 | 22.99 | 69.72 | 163928 | 1.02 | 30.41 | 30.41 |
| 2023 | 2705 | 17.63 | 53.46 | 127720 | 0.69 | 15.60 | 15.60 |
| 2022 | 2650 | 15.25 | 46.25 | 110577 | 0.77 | (2.61) | (2.61) |
| 2021 | 2640 | 15.66 | 47.49 | 115801 | 0.43 | 5.29 | 27.95 |
| Invesco V.I. Core Equity | Invesco V.I. Core Equity | Invesco V.I. Core Equity | Invesco V.I. Core Equity | Invesco V.I. Core Equity | Invesco V.I. Core Equity | Invesco V.I. Core Equity | Invesco V.I. Core Equity |
| 2025 | 1018 | 52.69 | 52.69 | 53625 | 0.68 | 16.17 | 16.17 |
| 2024 | 842 | 45.35 | 45.35 | 38193 | 0.71 | 25.61 | 25.61 |
| 2023 | 986 | 36.11 | 36.11 | 35603 | 0.75 | 23.36 | 23.36 |
| 2022 | 976 | 29.27 | 29.27 | 28561 | 0.94 | (20.55) | (20.55) |
| 2021 | 960 | 36.84 | 36.84 | 35358 | 0.68 | 27.74 | 27.74 |
| Invesco V.I. Core Plus Bond Fund - Series I (Fund commenced operations on April 29, 2022) (On April 29, 2022, Invesco V.I. Core Bond Fund - Series I merged into Invesco V.I. Core Plus Bond Fund - Series I) | Invesco V.I. Core Plus Bond Fund - Series I (Fund commenced operations on April 29, 2022) (On April 29, 2022, Invesco V.I. Core Bond Fund - Series I merged into Invesco V.I. Core Plus Bond Fund - Series I) | Invesco V.I. Core Plus Bond Fund - Series I (Fund commenced operations on April 29, 2022) (On April 29, 2022, Invesco V.I. Core Bond Fund - Series I merged into Invesco V.I. Core Plus Bond Fund - Series I) | Invesco V.I. Core Plus Bond Fund - Series I (Fund commenced operations on April 29, 2022) (On April 29, 2022, Invesco V.I. Core Bond Fund - Series I merged into Invesco V.I. Core Plus Bond Fund - Series I) | Invesco V.I. Core Plus Bond Fund - Series I (Fund commenced operations on April 29, 2022) (On April 29, 2022, Invesco V.I. Core Bond Fund - Series I merged into Invesco V.I. Core Plus Bond Fund - Series I) | Invesco V.I. Core Plus Bond Fund - Series I (Fund commenced operations on April 29, 2022) (On April 29, 2022, Invesco V.I. Core Bond Fund - Series I merged into Invesco V.I. Core Plus Bond Fund - Series I) | Invesco V.I. Core Plus Bond Fund - Series I (Fund commenced operations on April 29, 2022) (On April 29, 2022, Invesco V.I. Core Bond Fund - Series I merged into Invesco V.I. Core Plus Bond Fund - Series I) | Invesco V.I. Core Plus Bond Fund - Series I (Fund commenced operations on April 29, 2022) (On April 29, 2022, Invesco V.I. Core Bond Fund - Series I merged into Invesco V.I. Core Plus Bond Fund - Series I) |
| 2025 | 812 | 11.15 | 11.15 | 9053 | 4.08 | 7.09 | 7.09 |
| 2024 | 1021 | 10.41 | 10.41 | 10635 | 3.81 | 3.06 | 3.06 |
| 2023 | 936 | 10.10 | 10.10 | 9460 | 2.16 | 6.14 | 6.14 |
| 2022 | 1088 | 9.52 | 9.52 | 10359 | 0.60 | (4.80) | (4.80) |
| Invesco V.I. Discovery Mid Cap Growth Fund - Series I | Invesco V.I. Discovery Mid Cap Growth Fund - Series I | Invesco V.I. Discovery Mid Cap Growth Fund - Series I | Invesco V.I. Discovery Mid Cap Growth Fund - Series I | Invesco V.I. Discovery Mid Cap Growth Fund - Series I | Invesco V.I. Discovery Mid Cap Growth Fund - Series I | Invesco V.I. Discovery Mid Cap Growth Fund - Series I | Invesco V.I. Discovery Mid Cap Growth Fund - Series I |
| 2025 | 7769 | 17.95 | 59.26 | 370531 |  | 4.79 | 4.79 |
| 2024 | 7616 | 17.13 | 56.55 | 356474 |  | 24.23 | 24.23 |
| 2023 | 8329 | 13.79 | 45.52 | 325648 |  | 13.15 | 13.15 |
| 2022 | 7909 | 12.19 | 40.23 | 281368 |  | (30.98) | (30.98) |
| 2021 | 7367 | 17.66 | 58.29 | 394137 |  | 19.10 | 19.10 |
| Invesco V.I. Diversified Dividend Fund Series I | Invesco V.I. Diversified Dividend Fund Series I | Invesco V.I. Diversified Dividend Fund Series I | Invesco V.I. Diversified Dividend Fund Series I | Invesco V.I. Diversified Dividend Fund Series I | Invesco V.I. Diversified Dividend Fund Series I | Invesco V.I. Diversified Dividend Fund Series I | Invesco V.I. Diversified Dividend Fund Series I |
| 2025 | 311 | 20.25 | 20.25 | 6303 | 1.29 | 15.74 | 15.74 |
| 2024 | 572 | 17.50 | 17.50 | 10015 | 2.09 | 13.22 | 13.22 |
| 2023 | 426 | 15.46 | 15.46 | 6586 | 2.76 | 9.04 | 9.04 |
| 2022 | 275 | 14.17 | 14.17 | 3900 | 2.49 | (1.68) | (1.68) |
| 2021 | 113 | 14.42 | 14.42 | 1628 | 2.70 | 18.89 | 18.89 |
| Invesco V.I. Equity and Income Fund—Series I (Fund commenced operations on April 25, 2024) (On April 25, 2024, Invesco V.I. Conservative Balanced Fund - Series I merged into Invesco V.I. Equity and Income Fund - Series I) | Invesco V.I. Equity and Income Fund—Series I (Fund commenced operations on April 25, 2024) (On April 25, 2024, Invesco V.I. Conservative Balanced Fund - Series I merged into Invesco V.I. Equity and Income Fund - Series I) | Invesco V.I. Equity and Income Fund—Series I (Fund commenced operations on April 25, 2024) (On April 25, 2024, Invesco V.I. Conservative Balanced Fund - Series I merged into Invesco V.I. Equity and Income Fund - Series I) | Invesco V.I. Equity and Income Fund—Series I (Fund commenced operations on April 25, 2024) (On April 25, 2024, Invesco V.I. Conservative Balanced Fund - Series I merged into Invesco V.I. Equity and Income Fund - Series I) | Invesco V.I. Equity and Income Fund—Series I (Fund commenced operations on April 25, 2024) (On April 25, 2024, Invesco V.I. Conservative Balanced Fund - Series I merged into Invesco V.I. Equity and Income Fund - Series I) | Invesco V.I. Equity and Income Fund—Series I (Fund commenced operations on April 25, 2024) (On April 25, 2024, Invesco V.I. Conservative Balanced Fund - Series I merged into Invesco V.I. Equity and Income Fund - Series I) | Invesco V.I. Equity and Income Fund—Series I (Fund commenced operations on April 25, 2024) (On April 25, 2024, Invesco V.I. Conservative Balanced Fund - Series I merged into Invesco V.I. Equity and Income Fund - Series I) | Invesco V.I. Equity and Income Fund—Series I (Fund commenced operations on April 25, 2024) (On April 25, 2024, Invesco V.I. Conservative Balanced Fund - Series I merged into Invesco V.I. Equity and Income Fund - Series I) |
| 2025 | 3602 | 12.14 | 12.14 | 43722 | 2.18 | 12.81 | 12.81 |
| 2024 | 3466 | 10.76 | 10.76 | 37302 | 1.79 | 7.61 | 7.61 |

---

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**NOTES TO FINANCIAL STATEMENTS** 

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | At December 31, | At December 31, | At December 31, | At December 31, | For the year ended December 31, | For the year ended December 31, | For the year ended December 31, |
| | Accumulation<br>Units | Accumulation<br>Unit Value<br>Lowest to Highest | Accumulation<br>Unit Value<br>Lowest to Highest | Net Assets | Investment <br>Income <br>Ratio\* | Total Return<br>Lowest to<br>Highest\*\* | Total Return<br>Lowest to<br>Highest\*\* |
| Invesco V.I. EQV International Equity Fund - Series I | Invesco V.I. EQV International Equity Fund - Series I | Invesco V.I. EQV International Equity Fund - Series I | Invesco V.I. EQV International Equity Fund - Series I | Invesco V.I. EQV International Equity Fund - Series I | Invesco V.I. EQV International Equity Fund - Series I | Invesco V.I. EQV International Equity Fund - Series I | Invesco V.I. EQV International Equity Fund - Series I |
| 2025 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;654 | $15.96 | $15.96 | $10435 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.31% | 16.50 | 16.50% |
| 2024 | 870 | 13.70 | 13.70 | 11919 | 1.83 | 0.62 | 0.62 |
| 2023 | 797 | 13.61 | 13.61 | 10849 | 0.23 | 18.15 | 18.15 |
| 2022 | 666 | 11.52 | 11.52 | 7675 | 2.00 | (18.31) | (18.31) |
| 2021 | 438 | 14.10 | 14.10 | 6173 | 1.55 | 5.89 | 5.89 |
| Invesco V.I. Global Fund - Series I | Invesco V.I. Global Fund - Series I | Invesco V.I. Global Fund - Series I | Invesco V.I. Global Fund - Series I | Invesco V.I. Global Fund - Series I | Invesco V.I. Global Fund - Series I | Invesco V.I. Global Fund - Series I | Invesco V.I. Global Fund - Series I |
| 2025 | 868 | 43.22 | 43.22 | 37507 |  | 15.32 | 15.32 |
| 2024 | 864 | 37.48 | 37.48 | 32380 |  | 16.07 | 16.07 |
| 2023 | 845 | 32.29 | 32.29 | 27274 | 0.24 | 34.73 | 34.73 |
| 2022 | 853 | 23.97 | 23.97 | 20446 |  | (31.76) | (31.76) |
| 2021 | 748 | 35.12 | 35.12 | 26280 |  | 15.49 | 15.49 |
| Invesco V.I. Global Fund - Series II | Invesco V.I. Global Fund - Series II | Invesco V.I. Global Fund - Series II | Invesco V.I. Global Fund - Series II | Invesco V.I. Global Fund - Series II | Invesco V.I. Global Fund - Series II | Invesco V.I. Global Fund - Series II | Invesco V.I. Global Fund - Series II |
| 2025 | 9791 | 66.01 | 66.01 | 646296 |  | 15.01 | 15.01 |
| 2024 | 9807 | 57.39 | 57.39 | 562819 |  | 15.78 | 15.78 |
| 2023 | 10587 | 49.57 | 49.57 | 524753 |  | 34.45 | 34.45 |
| 2022 | 11200 | 36.87 | 36.87 | 412935 |  | (31.94) | (31.94) |
| 2021 | 10671 | 54.17 | 54.17 | 578023 |  | 15.17 | 15.17 |
| Invesco V.I. Global Strategic Income Fund - Series I | Invesco V.I. Global Strategic Income Fund - Series I | Invesco V.I. Global Strategic Income Fund - Series I | Invesco V.I. Global Strategic Income Fund - Series I | Invesco V.I. Global Strategic Income Fund - Series I | Invesco V.I. Global Strategic Income Fund - Series I | Invesco V.I. Global Strategic Income Fund - Series I | Invesco V.I. Global Strategic Income Fund - Series I |
| 2025 | 543 | 17.57 | 17.57 | 9548 | 5.90 | 12.98 | 12.98 |
| 2024 | 559 | 15.55 | 15.55 | 8696 | 3.18 | 3.16 | 3.16 |
| 2023 | 543 | 15.08 | 15.08 | 8180 |  | 8.88 | 8.88 |
| 2022 | 561 | 13.85 | 13.85 | 7771 |  | (11.46) | (11.46) |
| 2021 | 546 | 15.64 | 15.64 | 8533 | 4.89 | (3.41) | (3.41) |
| Invesco V.I. Government Securities | Invesco V.I. Government Securities | Invesco V.I. Government Securities | Invesco V.I. Government Securities | Invesco V.I. Government Securities | Invesco V.I. Government Securities | Invesco V.I. Government Securities | Invesco V.I. Government Securities |
| 2025 | 4821 | 13.06 | 13.06 | 62946 | 3.18 | 7.37 | 7.37 |
| 2024 | 4846 | 12.16 | 12.16 | 58939 | 2.58 | 1.72 | 1.72 |
| 2023 | 4702 | 11.96 | 11.96 | 56211 | 2.11 | 4.62 | 4.62 |
| 2022 | 4360 | 11.43 | 11.43 | 49826 | 2.02 | (10.29) | (10.29) |
| 2021 | 4376 | 12.74 | 12.74 | 55747 | 2.42 | (2.27) | (2.27) |
| Invesco V.I. Growth and Income Fund Series I | Invesco V.I. Growth and Income Fund Series I | Invesco V.I. Growth and Income Fund Series I | Invesco V.I. Growth and Income Fund Series I | Invesco V.I. Growth and Income Fund Series I | Invesco V.I. Growth and Income Fund Series I | Invesco V.I. Growth and Income Fund Series I | Invesco V.I. Growth and Income Fund Series I |
| 2025 | 6106 | 43.92 | 86.44 | 484331 | 1.49 | 15.62 | 15.62 |
| 2024 | 6152 | 37.99 | 74.76 | 422737 | 1.44 | 16.00 | 16.00 |
| 2023 | 6923 | 32.75 | 64.45 | 415543 | 1.62 | 12.66 | 12.66 |
| 2022 | 7277 | 29.07 | 57.21 | 390603 | 1.69 | (5.75) | (5.75) |
| 2021 | 7223 | 30.84 | 60.70 | 411238 | 1.57 | 28.51 | 28.51 |
| Invesco V.I. High Yield | Invesco V.I. High Yield | Invesco V.I. High Yield | Invesco V.I. High Yield | Invesco V.I. High Yield | Invesco V.I. High Yield | Invesco V.I. High Yield |  |
| 2025 | 6688 | 13.82 | 19.07 | 104571 | 7.27 | 6.73 | 6.73 |
| 2024 | 6180 | 12.95 | 17.87 | 91126 | 5.93 | 7.73 | 7.73 |
| 2023 | 5537 | 12.02 | 16.59 | 76607 | 5.58 | 10.18 | 10.18 |
| 2022 | 5166 | 10.91 | 15.06 | 66111 | 4.80 | (9.55) | (9.55) |
| 2021 | 4653 | 12.06 | 16.65 | 67471 | 5.35 | 4.38 | 4.38 |

---

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**NOTES TO FINANCIAL STATEMENTS** 

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | At December 31, | At December 31, | At December 31, | At December 31, | For the year ended December 31, | For the year ended December 31, | For the year ended December 31, |
| | Accumulation<br>Units | Accumulation<br>Unit Value<br>Lowest to Highest | Accumulation<br>Unit Value<br>Lowest to Highest | Net Assets | Investment <br>Income <br>Ratio\* | Total Return<br>Lowest to<br>Highest\*\* | Total Return<br>Lowest to<br>Highest\*\* |
| Invesco V.I. International Growth Fund | Invesco V.I. International Growth Fund | Invesco V.I. International Growth Fund | Invesco V.I. International Growth Fund | Invesco V.I. International Growth Fund | Invesco V.I. International Growth Fund | Invesco V.I. International Growth Fund |  |
| 2025 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2664 | $22.60 | $74.42 | $123143 | 0.35% | 16.32 | 16.32% |
| 2024 | 3395 | 19.43 | 63.98 | 119499 | 0.65 | (1.67) | (1.67) |
| 2023 | 3975 | 19.76 | 65.07 | 146682 | 0.60 | 21.06 | 21.06 |
| 2022 | 4005 | 16.32 | 53.75 | 121665 |  | (27.13) | (27.13) |
| 2021 | 3783 | 22.39 | 73.76 | 158980 |  | 10.22 | 10.22 |
| Invesco V.I. Main Street Fund<sup>®</sup> - Series I | Invesco V.I. Main Street Fund<sup>®</sup> - Series I | Invesco V.I. Main Street Fund<sup>®</sup> - Series I | Invesco V.I. Main Street Fund<sup>®</sup> - Series I | Invesco V.I. Main Street Fund<sup>®</sup> - Series I | Invesco V.I. Main Street Fund<sup>®</sup> - Series I | Invesco V.I. Main Street Fund<sup>®</sup> - Series I | Invesco V.I. Main Street Fund<sup>®</sup> - Series I |
| 2025 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;783 | 27.21 | 27.21 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;21318 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.56 | 15.93 | 15.93 |
| 2024 | 774 | 23.47 | 23.47 | 18159 |  | 23.64 | 23.64 |
| 2023 | 768 | 18.98 | 18.98 | 14584 | 0.93 | 23.22 | 23.22 |
| 2022 | 760 | 15.41 | 15.41 | 11702 | 1.49 | (20.13) | (20.13) |
| 2021 | 773 | 19.29 | 19.29 | 14918 | 0.73 | 27.57 | 27.57 |
| Invesco V.I. Main Street Mid Cap Fund - Series I | Invesco V.I. Main Street Mid Cap Fund - Series I | Invesco V.I. Main Street Mid Cap Fund - Series I | Invesco V.I. Main Street Mid Cap Fund - Series I | Invesco V.I. Main Street Mid Cap Fund - Series I | Invesco V.I. Main Street Mid Cap Fund - Series I | Invesco V.I. Main Street Mid Cap Fund - Series I | Invesco V.I. Main Street Mid Cap Fund - Series I |
| 2025 | 3495 | 49.96 | 49.96 | 174621 | 0.33 | 9.19 | 9.19 |
| 2024 | 3778 | 45.76 | 45.76 | 172857 | 0.34 | 17.07 | 17.07 |
| 2023 | 3693 | 39.09 | 39.09 | 144334 | 0.29 | 14.47 | 14.47 |
| 2022 | 3658 | 34.15 | 34.15 | 124912 | 0.37 | (14.26) | (14.26) |
| 2021 | 3560 | 39.83 | 39.83 | 141788 | 0.46 | 23.24 | 23.24 |
| Invesco V.I. Main Street Small Cap Fund<sup>®</sup> - Series I | Invesco V.I. Main Street Small Cap Fund<sup>®</sup> - Series I | Invesco V.I. Main Street Small Cap Fund<sup>®</sup> - Series I | Invesco V.I. Main Street Small Cap Fund<sup>®</sup> - Series I | Invesco V.I. Main Street Small Cap Fund<sup>®</sup> - Series I | Invesco V.I. Main Street Small Cap Fund<sup>®</sup> - Series I | Invesco V.I. Main Street Small Cap Fund<sup>®</sup> - Series I | Invesco V.I. Main Street Small Cap Fund<sup>®</sup> - Series I |
| 2025 | 10546 | 51.55 | 112.78 | 1141447 | 0.46 | 8.70 | 8.70 |
| 2024 | 10365 | 47.42 | 103.75 | 1039094 |  | 12.68 | 12.68 |
| 2023 | 11698 | 42.08 | 92.07 | 1037337 | 1.18 | 18.13 | 18.13 |
| 2022 | 11768 | 35.62 | 77.94 | 884933 | 0.54 | (15.83) | (15.83) |
| 2021 | 11815 | 42.33 | 92.61 | 1055046 | 0.37 | 22.55 | 22.55 |
| Janus Henderson Balanced Portfolio Institutional Shares | Janus Henderson Balanced Portfolio Institutional Shares | Janus Henderson Balanced Portfolio Institutional Shares | Janus Henderson Balanced Portfolio Institutional Shares | Janus Henderson Balanced Portfolio Institutional Shares | Janus Henderson Balanced Portfolio Institutional Shares | Janus Henderson Balanced Portfolio Institutional Shares | Janus Henderson Balanced Portfolio Institutional Shares |
| 2025 | 941 | 22.90 | 45.23 | 35389 | 2.07 | 15.10 | 15.11 |
| 2024 | 1023 | 19.90 | 39.29 | 32839 | 2.11 | 15.43 | 15.43 |
| 2023 | 958 | 17.24 | 34.04 | 27082 | 2.19 | 15.41 | 15.41 |
| 2022 | 881 | 14.94 | 29.50 | 22201 | 1.27 | (16.40) | (16.40) |
| 2021 | 830 | 17.87 | 35.28 | 26480 | 0.92 | 17.20 | 17.20 |
| Janus Henderson Balanced Portfolio Service Shares | Janus Henderson Balanced Portfolio Service Shares | Janus Henderson Balanced Portfolio Service Shares | Janus Henderson Balanced Portfolio Service Shares | Janus Henderson Balanced Portfolio Service Shares | Janus Henderson Balanced Portfolio Service Shares | Janus Henderson Balanced Portfolio Service Shares | Janus Henderson Balanced Portfolio Service Shares |
| 2025 | 9776 | 72.33 | 72.33 | 707152 | 1.73 | 14.82 | 14.82 |
| 2024 | 9733 | 63.00 | 63.00 | 613125 | 1.74 | 15.15 | 15.15 |
| 2023 | 10481 | 54.71 | 54.71 | 573439 | 1.82 | 15.13 | 15.13 |
| 2022 | 10438 | 47.52 | 47.52 | 495992 | 0.97 | (16.62) | (16.62) |
| 2021 | 10977 | 56.99 | 56.99 | 625586 | 0.68 | 16.91 | 16.91 |
| Janus Henderson Enterprise Portfolio Institutional Shares | Janus Henderson Enterprise Portfolio Institutional Shares | Janus Henderson Enterprise Portfolio Institutional Shares | Janus Henderson Enterprise Portfolio Institutional Shares | Janus Henderson Enterprise Portfolio Institutional Shares | Janus Henderson Enterprise Portfolio Institutional Shares | Janus Henderson Enterprise Portfolio Institutional Shares | Janus Henderson Enterprise Portfolio Institutional Shares |
| 2025 | 1807 | 25.96 | 60.43 | 103653 | 0.20 | 7.67 | 7.67 |
| 2024 | 1457 | 24.11 | 56.13 | 78022 | 0.76 | 15.61 | 15.61 |
| 2023 | 1413 | 20.86 | 48.55 | 65921 | 0.17 | 18.07 | 18.07 |
| 2022 | 1229 | 17.67 | 41.12 | 48986 | 0.17 | (15.94) | (15.94) |
| 2021 | 1266 | 21.02 | 48.92 | 60006 | 0.27 | 16.83 | 16.83 |
| Janus Henderson Flexible Bond Portfolio Institutional Shares | Janus Henderson Flexible Bond Portfolio Institutional Shares | Janus Henderson Flexible Bond Portfolio Institutional Shares | Janus Henderson Flexible Bond Portfolio Institutional Shares | Janus Henderson Flexible Bond Portfolio Institutional Shares | Janus Henderson Flexible Bond Portfolio Institutional Shares | Janus Henderson Flexible Bond Portfolio Institutional Shares | Janus Henderson Flexible Bond Portfolio Institutional Shares |
| 2025 | 2922 | 11.90 | 19.28 | 41823 | 5.29 | 7.40 | 7.40 |
| 2024 | 2990 | 11.08 | 17.95 | 39742 | 5.00 | 1.96 | 1.96 |
| 2023 | 2790 | 10.86 | 17.61 | 36951 | 4.43 | 5.50 | 5.50 |
| 2022 | 2681 | 10.30 | 16.69 | 34092 | 2.54 | (13.66) | (13.66) |
| 2021 | 2339 | 11.93 | 19.33 | 35583 | 2.13 | (0.90) | (0.90) |

---

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**NOTES TO FINANCIAL STATEMENTS** 

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | At December 31, | At December 31, | At December 31, | At December 31, | For the year ended December 31, | For the year ended December 31, | For the year ended December 31, |
| | Accumulation<br>Units | Accumulation<br>Unit Value<br>Lowest to Highest | Accumulation<br>Unit Value<br>Lowest to Highest | Net Assets | Investment <br>Income <br>Ratio\* | Total Return<br>Lowest to<br>Highest\*\* | Total Return<br>Lowest to<br>Highest\*\* |
| Janus Henderson Forty Portfolio Institutional Shares | Janus Henderson Forty Portfolio Institutional Shares | Janus Henderson Forty Portfolio Institutional Shares | Janus Henderson Forty Portfolio Institutional Shares | Janus Henderson Forty Portfolio Institutional Shares | Janus Henderson Forty Portfolio Institutional Shares | Janus Henderson Forty Portfolio Institutional Shares | Janus Henderson Forty Portfolio Institutional Shares |
| 2025 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1678 | $36.72 | $141.69 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;200404 | 0.07% | 18.14 | 18.14% |
| 2024 | 1854 | 31.08 | 119.93 | 177552 | 0.11 | 28.47 | 28.47 |
| 2023 | 1836 | 24.19 | 93.35 | 140662 | 0.18 | 39.96 | 39.96 |
| 2022 | 2231 | 17.28 | 66.70 | 133106 | 0.20 | (33.55) | (33.55) |
| 2021 | 2120 | 26.01 | 100.38 | 193353 |  | 22.90 | 22.90 |
| Janus Henderson Global Research Portfolio Service Shares | Janus Henderson Global Research Portfolio Service Shares | Janus Henderson Global Research Portfolio Service Shares | Janus Henderson Global Research Portfolio Service Shares | Janus Henderson Global Research Portfolio Service Shares | Janus Henderson Global Research Portfolio Service Shares | Janus Henderson Global Research Portfolio Service Shares |  |
| 2025 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1070 | 76.11 | 76.11 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;81404 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.43 | 20.60 | 20.60 |
| 2024 | 1117 | 63.11 | 63.11 | 70516 | 0.59 | 23.27 | 23.27 |
| 2023 | 1397 | 51.20 | 51.20 | 71507 | 0.77 | 26.47 | 26.47 |
| 2022 | 1441 | 40.48 | 40.48 | 58320 | 0.90 | (19.61) | (19.61) |
| 2021 | 1408 | 50.36 | 50.36 | 70877 | 0.37 | 17.80 | 17.80 |
| Janus Henderson Glob.Tech. and Innovation Portfolio Institutional Shares | Janus Henderson Glob.Tech. and Innovation Portfolio Institutional Shares | Janus Henderson Glob.Tech. and Innovation Portfolio Institutional Shares | Janus Henderson Glob.Tech. and Innovation Portfolio Institutional Shares | Janus Henderson Glob.Tech. and Innovation Portfolio Institutional Shares | Janus Henderson Glob.Tech. and Innovation Portfolio Institutional Shares | Janus Henderson Glob.Tech. and Innovation Portfolio Institutional Shares |  |
| 2025 | 2472 | 48.04 | 139.74 | 179306 |  | 25.15 | 25.15 |
| 2024 | 2793 | 38.39 | 111.66 | 151897 |  | 32.10 | 32.10 |
| 2023 | 2916 | 29.06 | 84.52 | 119949 |  | 54.55 | 54.55 |
| 2022 | 2779 | 18.80 | 54.69 | 74449 |  | (36.95) | (36.95) |
| 2021 | 2049 | 29.82 | 86.75 | 91036 | 0.18 | 18.01 | 18.01 |
| Janus Henderson Mid Cap Value Portfolio Institutional Shares | Janus Henderson Mid Cap Value Portfolio Institutional Shares | Janus Henderson Mid Cap Value Portfolio Institutional Shares | Janus Henderson Mid Cap Value Portfolio Institutional Shares | Janus Henderson Mid Cap Value Portfolio Institutional Shares | Janus Henderson Mid Cap Value Portfolio Institutional Shares | Janus Henderson Mid Cap Value Portfolio Institutional Shares |  |
| 2025 | 2531 | 18.52 | 36.18 | 52344 | 0.85 | 6.50 | 6.50 |
| 2024 | 2166 | 17.39 | 33.98 | 42145 | 1.01 | 13.11 | 13.11 |
| 2023 | 1930 | 15.38 | 30.04 | 33039 | 1.26 | 11.40 | 11.40 |
| 2022 | 1566 | 13.80 | 26.97 | 23970 | 1.35 | (5.56) | (5.56) |
| 2021 | 1387 | 14.62 | 28.55 | 22543 | 0.49 | 19.73 | 19.73 |
| Janus Henderson Mid Cap Value Portfolio Service Shares | Janus Henderson Mid Cap Value Portfolio Service Shares | Janus Henderson Mid Cap Value Portfolio Service Shares | Janus Henderson Mid Cap Value Portfolio Service Shares | Janus Henderson Mid Cap Value Portfolio Service Shares | Janus Henderson Mid Cap Value Portfolio Service Shares | Janus Henderson Mid Cap Value Portfolio Service Shares |  |
| 2025 | 4403 | 54.25 | 54.25 | 238877 | 0.69 | 6.29 | 6.29 |
| 2024 | 4400 | 51.04 | 51.04 | 224597 | 0.85 | 12.80 | 12.80 |
| 2023 | 4395 | 45.25 | 45.25 | 198856 | 0.95 | 11.11 | 11.11 |
| 2022 | 4618 | 40.73 | 40.73 | 188086 | 1.17 | (5.77) | (5.77) |
| 2021 | 4671 | 43.22 | 43.22 | 201900 | 0.31 | 19.42 | 19.42 |
| Janus Henderson Overseas Portfolio Institutional Shares | Janus Henderson Overseas Portfolio Institutional Shares | Janus Henderson Overseas Portfolio Institutional Shares | Janus Henderson Overseas Portfolio Institutional Shares | Janus Henderson Overseas Portfolio Institutional Shares | Janus Henderson Overseas Portfolio Institutional Shares | Janus Henderson Overseas Portfolio Institutional Shares |  |
| 2025 | 2622 | 18.12 | 18.12 | 47501 | 1.42 | 28.87 | 28.87 |
| 2024 | 3160 | 14.06 | 14.06 | 44420 | 1.39 | 5.84 | 5.84 |
| 2023 | 3306 | 13.28 | 13.28 | 43907 | 1.54 | 10.87 | 10.87 |
| 2022 | 3075 | 11.98 | 11.98 | 36840 | 1.79 | (8.60) | (8.60) |
| 2021 | 2860 | 13.11 | 13.11 | 37492 | 1.14 | 13.58 | 13.58 |
| Janus Henderson Overseas Portfolio Service Shares | Janus Henderson Overseas Portfolio Service Shares | Janus Henderson Overseas Portfolio Service Shares | Janus Henderson Overseas Portfolio Service Shares | Janus Henderson Overseas Portfolio Service Shares | Janus Henderson Overseas Portfolio Service Shares | Janus Henderson Overseas Portfolio Service Shares |  |
| 2025 | 6877 | 17.45 | 17.45 | 119987 | 1.34 | 28.58 | 28.58 |
| 2024 | 6862 | 13.57 | 13.57 | 93121 | 1.24 | 5.58 | 5.58 |
| 2023 | 7573 | 12.85 | 12.85 | 97341 | 1.43 | 10.58 | 10.58 |
| 2022 | 7847 | 11.62 | 11.62 | 91210 | 1.73 | (8.84) | (8.84) |
| 2021 | 7052 | 12.75 | 12.75 | 89917 | 1.02 | 13.29 | 13.29 |

---

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**NOTES TO FINANCIAL STATEMENTS** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | At December 31, | At December 31, | At December 31, | For the year ended December 31, | For the year ended December 31, | For the year ended December 31, |
| | Accumulation<br>Units | Accumulation Unit Value<br>Lowest to Highest | Net Assets | Investment <br>Income <br>Ratio\* | Total Return<br>Lowest to<br>Highest\*\* | Total Return<br>Lowest to<br>Highest\*\* |
| Janus Henderson Research Portfolio Institutional Shares | Janus Henderson Research Portfolio Institutional Shares | Janus Henderson Research Portfolio Institutional Shares | Janus Henderson Research Portfolio Institutional Shares | Janus Henderson Research Portfolio Institutional Shares | Janus Henderson Research Portfolio Institutional Shares |  |
| 2025 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;86 | $37.28 | $3211 | 0.14% | 18.39 | 18.39% |
| 2024 | 75 | 31.49 | 2371 | 0.03 | 35.31 | 35.31 |
| 2023 | 72 | 23.27 | 1675 | 0.17 | 43.17 | 43.17 |
| 2022 | 57 | 16.25 | 932 | 0.21 | (29.89) | (29.89) |
| 2021 | 63 | 23.18 | 1467 | 0.10 | 20.33 | 20.33 |
| Lazard Retirement Emerging Markets Equity Portfolio | Lazard Retirement Emerging Markets Equity Portfolio | Lazard Retirement Emerging Markets Equity Portfolio | Lazard Retirement Emerging Markets Equity Portfolio | Lazard Retirement Emerging Markets Equity Portfolio | Lazard Retirement Emerging Markets Equity Portfolio | Lazard Retirement Emerging Markets Equity Portfolio |
| 2025 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;441 | 101.52 | 44734 | 2.77 | 41.77 | 41.77 |
| 2024 | 439 | 71.61 | 31460 | 3.43 | 7.43 | 7.43 |
| 2023 | 451 | 66.66 | 30077 | 4.69 | 22.27 | 22.27 |
| 2022 | 457 | 54.52 | 24892 | 3.50 | (15.12) | (15.12) |
| 2021 | 408 | 64.22 | 26222 | 1.89 | 5.47 | 5.47 |
| Legg Mason ClearBridge Variable Large Cap Value Portfolio Class I | Legg Mason ClearBridge Variable Large Cap Value Portfolio Class I | Legg Mason ClearBridge Variable Large Cap Value Portfolio Class I | Legg Mason ClearBridge Variable Large Cap Value Portfolio Class I | Legg Mason ClearBridge Variable Large Cap Value Portfolio Class I | Legg Mason ClearBridge Variable Large Cap Value Portfolio Class I | Legg Mason ClearBridge Variable Large Cap Value Portfolio Class I |
| 2025 | 3816 | 57.85 | 220743 | 1.12 | 10.20 | 10.20 |
| 2024 | 4056 | 52.49 | 212900 | 1.17 | 8.08 | 8.08 |
| 2023 | 5109 | 48.57 | 248154 | 1.32 | 15.09 | 15.09 |
| 2022 | 5138 | 42.20 | 216840 | 1.35 | (6.43) | (6.43) |
| 2021 | 5161 | 45.10 | 232774 | 1.06 | 26.21 | 26.21 |
| Legg Mason Western Assets Variable Global High Yield Bond Portfolio Class I | Legg Mason Western Assets Variable Global High Yield Bond Portfolio Class I | Legg Mason Western Assets Variable Global High Yield Bond Portfolio Class I | Legg Mason Western Assets Variable Global High Yield Bond Portfolio Class I | Legg Mason Western Assets Variable Global High Yield Bond Portfolio Class I | Legg Mason Western Assets Variable Global High Yield Bond Portfolio Class I | Legg Mason Western Assets Variable Global High Yield Bond Portfolio Class I |
| 2025 | 4631 | 31.39 | 145369 | 6.75 | 9.96 | 9.96 |
| 2024 | 4789 | 28.55 | 136714 | 6.65 | 7.06 | 7.06 |
| 2023 | 4742 | 26.66 | 126450 | 5.69 | 10.26 | 10.26 |
| 2022 | 4916 | 24.18 | 118886 | 6.82 | (13.72) | (13.72) |
| 2021 | 4836 | 28.03 | 135535 | 4.62 | 1.33 | 1.33 |
| MFS<sup>®</sup> High Yield Portfolio Initial Class | MFS<sup>®</sup> High Yield Portfolio Initial Class | MFS<sup>®</sup> High Yield Portfolio Initial Class | MFS<sup>®</sup> High Yield Portfolio Initial Class | MFS<sup>®</sup> High Yield Portfolio Initial Class | MFS<sup>®</sup> High Yield Portfolio Initial Class | MFS<sup>®</sup> High Yield Portfolio Initial Class |
| 2025 | 5064 | 17.59 | 89065 | 6.81 | 8.65 | 8.65 |
| 2024 | 5007 | 16.19 | 81052 | 6.25 | 6.92 | 6.92 |
| 2023 | 4739 | 15.14 | 71752 | 5.79 | 12.41 | 12.41 |
| 2022 | 4608 | 13.47 | 62064 | 5.51 | (10.51) | (10.51) |
| 2021 | 4707 | 15.05 | 70840 | 5.06 | 3.49 | 3.49 |
| MFS<sup>®</sup> Investors Trust Series Initial Class | MFS<sup>®</sup> Investors Trust Series Initial Class | MFS<sup>®</sup> Investors Trust Series Initial Class | MFS<sup>®</sup> Investors Trust Series Initial Class | MFS<sup>®</sup> Investors Trust Series Initial Class | MFS<sup>®</sup> Investors Trust Series Initial Class | MFS<sup>®</sup> Investors Trust Series Initial Class |
| 2025 | 421 | 75.90 | 31973 | 1.62 | 13.57 | 13.57 |
| 2024 | 425 | 66.83 | 28384 | 0.70 | 19.52 | 19.52 |
| 2023 | 428 | 55.92 | 23945 | 0.73 | 18.98 | 18.98 |
| 2022 | 428 | 47.00 | 20093 | 0.56 | (16.49) | (16.49) |
| 2021 | 676 | 56.28 | 38017 | 0.63 | 26.81 | 26.81 |
| MFS<sup>®</sup> Mass. Investors Growth Stock Portfolio Initial Class | MFS<sup>®</sup> Mass. Investors Growth Stock Portfolio Initial Class | MFS<sup>®</sup> Mass. Investors Growth Stock Portfolio Initial Class | MFS<sup>®</sup> Mass. Investors Growth Stock Portfolio Initial Class | MFS<sup>®</sup> Mass. Investors Growth Stock Portfolio Initial Class | MFS<sup>®</sup> Mass. Investors Growth Stock Portfolio Initial Class | MFS<sup>®</sup> Mass. Investors Growth Stock Portfolio Initial Class |
| 2025 | 3705 | 37.42 | 138649 | 0.27 | 9.90 | 9.90 |
| 2024 | 3964 | 34.05 | 134954 | 0.35 | 16.27 | 16.27 |
| 2023 | 3955 | 29.29 | 115828 | 0.30 | 24.01 | 24.01 |
| 2022 | 4086 | 23.62 | 96488 | 0.11 | (19.26) | (19.26) |
| 2021 | 4085 | 29.25 | 119473 | 0.24 | 25.97 | 25.97 |

---

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**NOTES TO FINANCIAL STATEMENTS** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | At December 31, | At December 31, | At December 31, | At December 31, | For the year ended December 31, | For the year ended December 31, |
| | Accumulation<br>Units | Accumulation<br>Unit Value<br>Lowest to Highest | Accumulation<br>Unit Value<br>Lowest to Highest | Net Assets | Investment <br>Income <br>Ratio\* | Total Return<br>Lowest to<br>Highest\*\* |
| MFS<sup>®</sup> New Discovery Series Initial Class | MFS<sup>®</sup> New Discovery Series Initial Class | MFS<sup>®</sup> New Discovery Series Initial Class | MFS<sup>®</sup> New Discovery Series Initial Class | MFS<sup>®</sup> New Discovery Series Initial Class | MFS<sup>®</sup> New Discovery Series Initial Class | MFS<sup>®</sup> New Discovery Series Initial Class |
| 2025 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2530 | $114.89 | $114.89 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;290644 | —% | 12.96% |
| 2024 | 2672 | 101.71 | 101.71 | 271810 |  | 6.72 |
| 2023 | 2598 | 95.30 | 95.30 | 247577 |  | 14.41 |
| 2022 | 2587 | 83.30 | 83.30 | 215507 |  | (29.76) |
| 2021 | 2547 | 118.59 | 118.59 | 302099 |  | 1.80 |
| MFS<sup>®</sup> Total Return Series Initial Class | MFS<sup>®</sup> Total Return Series Initial Class | MFS<sup>®</sup> Total Return Series Initial Class | MFS<sup>®</sup> Total Return Series Initial Class | MFS<sup>®</sup> Total Return Series Initial Class | MFS<sup>®</sup> Total Return Series Initial Class | MFS<sup>®</sup> Total Return Series Initial Class |
| 2025 | 3259 | 57.79 | 57.79 | 188360 | 2.74 | 11.16 |
| 2024 | 3321 | 51.99 | 51.99 | 172682 | 2.41 | 7.75 |
| 2023 | 3627 | 48.25 | 48.25 | 175010 | 2.06 | 10.44 |
| 2022 | 3604 | 43.69 | 43.69 | 157442 | 1.73 | (9.58) |
| 2021 | 3558 | 48.32 | 48.32 | 171913 | 1.82 | 14.12 |
| MFS<sup>®</sup> Utilities Series Initial Class | MFS<sup>®</sup> Utilities Series Initial Class | MFS<sup>®</sup> Utilities Series Initial Class | MFS<sup>®</sup> Utilities Series Initial Class | MFS<sup>®</sup> Utilities Series Initial Class | MFS<sup>®</sup> Utilities Series Initial Class | MFS<sup>®</sup> Utilities Series Initial Class |
| 2025 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1054 | 117.41 | 117.41 | 123753 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.93 | 15.01 |
| 2024 | 1071 | 102.08 | 102.08 | 109350 | 2.34 | 11.66 |
| 2023 | 1048 | 91.42 | 91.42 | 95838 | 3.56 | (2.11) |
| 2022 | 1033 | 93.39 | 93.39 | 96471 | 2.41 | 0.76 |
| 2021 | 1079 | 92.69 | 92.69 | 100030 | 1.76 | 14.09 |
| MFS<sup>®</sup> Value Series Initial Class | MFS<sup>®</sup> Value Series Initial Class | MFS<sup>®</sup> Value Series Initial Class | MFS<sup>®</sup> Value Series Initial Class | MFS<sup>®</sup> Value Series Initial Class | MFS<sup>®</sup> Value Series Initial Class | MFS<sup>®</sup> Value Series Initial Class |
| 2025 | 1552 | 65.42 | 65.42 | 101538 | 1.63 | 13.01 |
| 2024 | 1554 | 57.89 | 57.89 | 89954 | 1.65 | 11.61 |
| 2023 | 1517 | 51.86 | 51.86 | 78672 | 1.66 | 7.93 |
| 2022 | 1607 | 48.05 | 48.05 | 77232 | 1.41 | (5.91) |
| 2021 | 1632 | 51.07 | 51.07 | 83350 | 1.35 | 25.45 |
| Morgan Stanley VIF Emerging Markets Equity Portfolio Class I | Morgan Stanley VIF Emerging Markets Equity Portfolio Class I | Morgan Stanley VIF Emerging Markets Equity Portfolio Class I | Morgan Stanley VIF Emerging Markets Equity Portfolio Class I | Morgan Stanley VIF Emerging Markets Equity Portfolio Class I | Morgan Stanley VIF Emerging Markets Equity Portfolio Class I | Morgan Stanley VIF Emerging Markets Equity Portfolio Class I |
| 2025 | 1593 | 15.56 | 15.56 | 24780 | 0.36 | 32.96 |
| 2024 | 3080 | 11.70 | 11.70 | 36041 | 1.37 | 7.82 |
| 2023 | 2898 | 10.85 | 10.85 | 31452 | 1.62 | 11.97 |
| 2022 | 2683 | 9.69 | 9.69 | 26001 | 0.43 | (25.08) |
| 2021 | 2407 | 12.94 | 12.94 | 31143 | 0.81 | 2.99 |
| Morgan Stanley VIF Growth Portfolio Class I | Morgan Stanley VIF Growth Portfolio Class I | Morgan Stanley VIF Growth Portfolio Class I | Morgan Stanley VIF Growth Portfolio Class I | Morgan Stanley VIF Growth Portfolio Class I | Morgan Stanley VIF Growth Portfolio Class I | Morgan Stanley VIF Growth Portfolio Class I |
| 2025 | 2231 | 107.36 | 166.40 | 321983 |  | 35.72 |
| 2024 | 2396 | 79.11 | 122.60 | 254521 |  | 46.59 |
| 2023 | 2359 | 53.96 | 83.64 | 171386 |  | 48.66 |
| 2022 | 2211 | 36.30 | 56.26 | 107970 |  | (60.07) |
| 2021 | 1715 | 90.90 | 140.88 | 220261 |  | 0.10 |

---

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**NOTES TO FINANCIAL STATEMENTS** 

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | At December 31, | At December 31, | At December 31, | At December 31, | For the year ended December 31, | For the year ended December 31, | For the year ended December 31, |
| | Accumulation<br>Units | Accumulation<br>Unit Value<br>Lowest to Highest | Accumulation<br>Unit Value<br>Lowest to Highest | Net Assets | Investment <br>Income <br>Ratio\* | Total Return<br>Lowest to<br>Highest\*\* | Total Return<br>Lowest to<br>Highest\*\* |
| Morningstar Aggressive Growth ETF Asset Allocation Portfolio Class I | Morningstar Aggressive Growth ETF Asset Allocation Portfolio Class I | Morningstar Aggressive Growth ETF Asset Allocation Portfolio Class I | Morningstar Aggressive Growth ETF Asset Allocation Portfolio Class I | Morningstar Aggressive Growth ETF Asset Allocation Portfolio Class I | Morningstar Aggressive Growth ETF Asset Allocation Portfolio Class I | Morningstar Aggressive Growth ETF Asset Allocation Portfolio Class I | Morningstar Aggressive Growth ETF Asset Allocation Portfolio Class I |
| 2025 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;36138 | $22.38 | $34.97 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1003348 | 1.37% | 20.33 | 20.33% |
| 2024 | 36466 | 18.60 | 45.01 | 863702 | 1.50 | 14.85 | 14.85 |
| 2023 | 36590 | 16.19 | 25.31 | 765023 | 2.09 | 17.10 | 17.10 |
| 2022 | 32698 | 13.83 | 21.61 | 602631 | 1.87 | (12.92) | (12.92) |
| 2021 | 28712 | 15.88 | 24.82 | 639629 | 1.37 | 18.60 | 18.60 |
| Morningstar Balanced ETF Asset Allocation Portfolio Class I | Morningstar Balanced ETF Asset Allocation Portfolio Class I | Morningstar Balanced ETF Asset Allocation Portfolio Class I | Morningstar Balanced ETF Asset Allocation Portfolio Class I | Morningstar Balanced ETF Asset Allocation Portfolio Class I | Morningstar Balanced ETF Asset Allocation Portfolio Class I | Morningstar Balanced ETF Asset Allocation Portfolio Class I | Morningstar Balanced ETF Asset Allocation Portfolio Class I |
| 2025 | 32068 | 17.68 | 26.97 | 701915 | 2.30 | 15.07 | 15.07 |
| 2024 | 30820 | 15.36 | 30.91 | 595182 | 2.06 | 10.50 | 10.50 |
| 2023 | 29748 | 13.90 | 21.21 | 529627 | 2.43 | 13.11 | 13.11 |
| 2022 | 27594 | 12.29 | 18.75 | 454941 | 2.18 | (12.60) | (12.60) |
| 2021 | 23803 | 14.06 | 21.46 | 469957 | 1.72 | 11.00 | 11.00 |
| Morningstar Conservative ETF Asset Allocation Portfolio Class I | Morningstar Conservative ETF Asset Allocation Portfolio Class I | Morningstar Conservative ETF Asset Allocation Portfolio Class I | Morningstar Conservative ETF Asset Allocation Portfolio Class I | Morningstar Conservative ETF Asset Allocation Portfolio Class I | Morningstar Conservative ETF Asset Allocation Portfolio Class I | Morningstar Conservative ETF Asset Allocation Portfolio Class I | Morningstar Conservative ETF Asset Allocation Portfolio Class I |
| 2025 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2187 | 13.20 | 17.88 | 37829 | 1.81 | 9.11 | 9.11 |
| 2024 | 4368 | 12.10 | 17.72 | 70652 | 2.69 | 5.52 | 5.52 |
| 2023 | 3894 | 11.46 | 15.53 | 59850 | 2.61 | 8.19 | 8.19 |
| 2022 | 4231 | 10.60 | 14.35 | 60075 | 1.82 | (11.61) | (11.61) |
| 2021 | 4737 | 11.99 | 16.24 | 76471 | 1.72 | 0.28 | 2.51 |
| Morningstar Growth ETF Asset Allocation Portfolio Class I | Morningstar Growth ETF Asset Allocation Portfolio Class I | Morningstar Growth ETF Asset Allocation Portfolio Class I | Morningstar Growth ETF Asset Allocation Portfolio Class I | Morningstar Growth ETF Asset Allocation Portfolio Class I | Morningstar Growth ETF Asset Allocation Portfolio Class I | Morningstar Growth ETF Asset Allocation Portfolio Class I | Morningstar Growth ETF Asset Allocation Portfolio Class I |
| 2025 | 53981 | 20.29 | 46.17 | 1463017 | 1.69 | 18.15 | 18.15 |
| 2024 | 61892 | 17.18 | 39.08 | 1405047 | 1.65 | 12.88 | 12.88 |
| 2023 | 65234 | 15.22 | 34.62 | 1318048 | 2.05 | 15.61 | 15.61 |
| 2022 | 65290 | 13.16 | 29.94 | 1165824 | 1.95 | (12.96) | (12.96) |
| 2021 | 56597 | 15.12 | 34.40 | 1194438 | 1.55 | 15.09 | 15.09 |
| Morningstar Income and Growth ETF Asset Allocation Portfolio Class I | Morningstar Income and Growth ETF Asset Allocation Portfolio Class I | Morningstar Income and Growth ETF Asset Allocation Portfolio Class I | Morningstar Income and Growth ETF Asset Allocation Portfolio Class I | Morningstar Income and Growth ETF Asset Allocation Portfolio Class I | Morningstar Income and Growth ETF Asset Allocation Portfolio Class I | Morningstar Income and Growth ETF Asset Allocation Portfolio Class I | Morningstar Income and Growth ETF Asset Allocation Portfolio Class I |
| 2025 | 14361 | 15.42 | 22.17 | 297878 | 2.75 | 11.94 | 11.94 |
| 2024 | 14735 | 13.77 | 23.56 | 276067 | 2.80 | 8.20 | 8.20 |
| 2023 | 14003 | 12.73 | 18.30 | 243680 | 2.78 | 10.99 | 10.99 |
| 2022 | 12282 | 11.47 | 16.49 | 194587 | 2.28 | (12.31) | (12.31) |
| 2021 | 11498 | 13.08 | 18.81 | 210955 | 1.91 | 6.66 | 6.66 |
| PIMCO VIT Int. Bond U.S. Dollar-Hedged Admin. Shares | PIMCO VIT Int. Bond U.S. Dollar-Hedged Admin. Shares | PIMCO VIT Int. Bond U.S. Dollar-Hedged Admin. Shares | PIMCO VIT Int. Bond U.S. Dollar-Hedged Admin. Shares | PIMCO VIT Int. Bond U.S. Dollar-Hedged Admin. Shares | PIMCO VIT Int. Bond U.S. Dollar-Hedged Admin. Shares | PIMCO VIT Int. Bond U.S. Dollar-Hedged Admin. Shares | PIMCO VIT Int. Bond U.S. Dollar-Hedged Admin. Shares |
| 2025 | 2599 | 27.64 | 27.64 | 71837 | 3.49 | 3.95 | 3.95 |
| 2024 | 2518 | 26.59 | 26.59 | 66935 | 3.62 | 5.46 | 5.46 |
| 2023 | 2444 | 25.21 | 25.21 | 61616 | 2.59 | 9.02 | 9.02 |
| 2022 | 2351 | 23.12 | 23.12 | 54374 | 1.50 | (10.15) | (10.15) |
| 2021 | 2251 | 25.74 | 25.74 | 57936 | 1.59 | (1.96) | (1.96) |

---

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**NOTES TO FINANCIAL STATEMENTS** 

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | At December 31, | At December 31, | At December 31, | For the year ended December 31, | For the year ended December 31, |
| | Accumulation<br>Units | Accumulation<br>Unit Value<br>Lowest to Highest | Net Assets | Investment <br>Income <br>Ratio\* | Total Return<br>Lowest to<br>Highest\*\* |
| PIMCO VIT Real Return Portfolio Admin. Shares | PIMCO VIT Real Return Portfolio Admin. Shares | PIMCO VIT Real Return Portfolio Admin. Shares | PIMCO VIT Real Return Portfolio Admin. Shares | PIMCO VIT Real Return Portfolio Admin. Shares | PIMCO VIT Real Return Portfolio Admin. Shares |
| 2025 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7909 | $22.27 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;176175 | 3.33% | 7.85% |
| 2024 | 7836 | 20.65 | 161841 | 2.60 | 2.13 |
| 2023 | 7258 | 20.22 | 146765 | 2.97 | 3.67 |
| 2022 | 8024 | 19.51 | 156513 | 6.99 | (11.90) |
| 2021 | 8489 | 22.14 | 187972 | 5.01 | 5.59 |
| PIMCO VIT Total Return Portfolio Admin. Shares | PIMCO VIT Total Return Portfolio Admin. Shares | PIMCO VIT Total Return Portfolio Admin. Shares | PIMCO VIT Total Return Portfolio Admin. Shares | PIMCO VIT Total Return Portfolio Admin. Shares | PIMCO VIT Total Return Portfolio Admin. Shares |
| 2025 | 12472 | 25.83 | 322187 | 4.11 | 8.89 |
| 2024 | 12405 | 23.72 | 294283 | 4.04 | 2.53 |
| 2023 | 13343 | 23.14 | 308718 | 3.56 | 5.93 |
| 2022 | 12891 | 21.84 | 281567 | 2.62 | (14.30) |
| 2021 | 12457 | 25.49 | 317478 | 1.82 | (1.27) |
| Putnam VT High Yield Fund Class IA | Putnam VT High Yield Fund Class IA | Putnam VT High Yield Fund Class IA | Putnam VT High Yield Fund Class IA | Putnam VT High Yield Fund Class IA | Putnam VT High Yield Fund Class IA |
| 2025 | 2633 | 45.55 | 119932 | 6.29 | 8.86 |
| 2024 | 2637 | 41.85 | 110343 | 5.70 | 8.19 |
| 2023 | 2536 | 38.68 | 98072 | 5.59 | 12.29 |
| 2022 | 2587 | 34.44 | 89119 | 5.27 | (11.37) |
| 2021 | 2511 | 38.86 | 97581 | 4.78 | 5.20 |
| Putnam VT International Value Fund Class IA | Putnam VT International Value Fund Class IA | Putnam VT International Value Fund Class IA | Putnam VT International Value Fund Class IA | Putnam VT International Value Fund Class IA | Putnam VT International Value Fund Class IA |
| 2025 | 1092 | 57.82 | 63107 | 1.35 | 35.07 |
| 2024 | 1100 | 42.80 | 47067 | 2.55 | 5.44 |
| 2023 | 1149 | 40.60 | 46664 | 1.73 | 19.08 |
| 2022 | 1121 | 34.09 | 38209 | 2.09 | (6.70) |
| 2021 | 1032 | 36.54 | 37706 | 2.11 | 15.28 |
| T. Rowe Price Blue Chip Growth Portfolio I | T. Rowe Price Blue Chip Growth Portfolio I | T. Rowe Price Blue Chip Growth Portfolio I | T. Rowe Price Blue Chip Growth Portfolio I | T. Rowe Price Blue Chip Growth Portfolio I | T. Rowe Price Blue Chip Growth Portfolio I |
| 2025 | 3259 | $118.36 | 385772 |  | 18.74 |
| 2024 | 3579 | 99.69 | 356795 |  | 35.51 |
| 2023 | 4726 | 73.56 | 347658 |  | 49.29 |
| 2022 | 4884 | 49.28 | 240639 |  | (38.50) |
| 2021 | 4866 | 80.12 | 389897 |  | 17.62 |
| T. Rowe Price Equity Income Portfolio I | T. Rowe Price Equity Income Portfolio I | T. Rowe Price Equity Income Portfolio I | T. Rowe Price Equity Income Portfolio I | T. Rowe Price Equity Income Portfolio I | T. Rowe Price Equity Income Portfolio I |
| 2025 | 8813 | 78.04 | 687754 | 1.66 | 14.36 |
| 2024 | 8792 | 68.24 | 599933 | 1.80 | 11.70 |
| 2023 | 10071 | 61.09 | 615273 | 2.09 | 9.54 |
| 2022 | 10573 | 55.77 | 589700 | 1.87 | (3.34) |
| 2021 | 10764 | 57.70 | 621076 | 1.58 | 25.55 |

---

------

**WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A** 

**NOTES TO FINANCIAL STATEMENTS** 

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | At December 31, | At December 31, | At December 31, | For the year ended December 31, | For the year ended December 31, |
| | Accumulation<br>Units | Accumulation<br>Unit Value<br>Lowest to Highest | Net Assets | Investment <br>Income <br>Ratio\* | Total Return<br>Lowest to<br>Highest\*\* |
| VanEck VIP Emerging Markets Fund Initial Class | VanEck VIP Emerging Markets Fund Initial Class | VanEck VIP Emerging Markets Fund Initial Class | VanEck VIP Emerging Markets Fund Initial Class | VanEck VIP Emerging Markets Fund Initial Class | VanEck VIP Emerging Markets Fund Initial Class |
| 2025 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3127 | $48.45 | $151487 | 0.74% | 29.92% |
| 2024 | 3002 | 37.29 | 111948 | 1.61 | 1.21 |
| 2023 | 3394 | 36.85 | 125045 | 3.64 | 9.77 |
| 2022 | 3360 | 33.57 | 112770 | 0.29 | (24.37) |
| 2021 | 3013 | 44.38 | 133721 | 0.92 | (11.87) |
| VanEck VIP Global Resources Fund - Initial Class | VanEck VIP Global Resources Fund - Initial Class | VanEck VIP Global Resources Fund - Initial Class | VanEck VIP Global Resources Fund - Initial Class | VanEck VIP Global Resources Fund - Initial Class | VanEck VIP Global Resources Fund - Initial Class |
| 2025 | 2181 | 43.48 | 94839 | 2.56 | 36.48 |
| 2024 | 2150 | 31.86 | 68511 | 2.51 | (2.83) |
| 2023 | 2691 | 32.79 | 88234 | 2.78 | (3.58) |
| 2022 | 2763 | 34.01 | 93977 | 1.67 | 8.39 |
| 2021 | 2969 | 31.37 | 93164 | 0.42 | 18.92 |

---

------

PART C

OTHER INFORMATION

Item 30. EXHIBITS

(a) Resolution of the Board of Directors of Allstate Life Insurance Company of New York authorizing
establishment of the Allstate Life of New York Variable Life Separate Account A dated August 
1, 1996. [Incorporated by reference from Registration Statement on Form N-6 for Allstate Life of New York Variable Life Separate Account A, filed November 1, 2002 (File No. 333-100935).](http://www.sec.gov/Archives/edgar/data/1034438/000094509402000675/0000945094-02-000675-index.htm)

(a)(2) Board of Directors Resolution approving plan of merger – ALNY [Incorporated by reference from Registration Statement on Form N-6 for Allstate Life of New York Variable Life Separate Account A, filed November 1, 2021 (File No. 333-260640)](http://www.sec.gov/Archives/edgar/data/1034438/000119312521313858/0001193125-21-313858-index.htm).

(a)(3) Board of Directors Resolution approving plan of merger – WRNY [Incorporated by reference from Registration Statement on Form N-6 for Allstate Life of New York Variable Life Separate Account A, filed November 1, 2021 (File No. 333-260640)](http://www.sec.gov/Archives/edgar/data/1034438/000119312521313858/0001193125-21-313858-index.htm).

(b) Not Applicable

(c)(1) Form of Principal Underwriting Agreement. [Previously filed in Pre-Effective Amendment No. 1 to this Registration Statement (File No. 333-100935) dated June 30, 2003.](http://www.sec.gov/Archives/edgar/data/1034438/000094509403000609/0000945094-03-000609-index.htm)

(2) Amendment to Amended and Restated Principal Agreement [Incorporated by reference from Registration Statement on Form N-6 for Allstate Life of New York Variable Life Separate Account A, filed November 1, 2021 (File No. 333-260640).](http://www.sec.gov/Archives/edgar/data/0001034438/000119312521313858/d349535dex9926cii.htm)

(3) Principal Underwriting Agreement – Wilton Re Distributors LLC [Incorporated by reference from Post-Effective Amendment No. 17 to Form N-6 for Allstate Life of New York Variable Life Separate Account A, filed April 25, 2025 (File No. 333-260642)](http://www.sec.gov/Archives/edgar/data/1034438/000119312525097068/d904302dex99c3.htm)

(4) Form of Selling Agreement. [Previously filed in Pre-Effective Amendment No. 1 to this Registration Statement (File No. 333-100935) dated June 30, 2003.](http://www.sec.gov/Archives/edgar/data/1034438/000094509403000609/0000945094-03-000609-index.htm)

(5) Form of Schedule of Sales Commissions. [Previously filed in Pre-Effective Amendment No. 1 to this Registration Statement (File No. 333-100935) dated June 30, 2003.](http://www.sec.gov/Archives/edgar/data/1034438/000094509403000609/0000945094-03-000609-index.htm)

(d) Form of Contract for the Consultant Protector Flexible Premium Variable Universal Life Policy. [Incorporated by reference from Registration Statement on Form N-6 for Allstate Life of New York Variable Life Separate Account A, filed November 1, 2002 (File No. 333-100935).](http://www.sec.gov/Archives/edgar/data/1034438/000094509402000675/0000945094-02-000675-index.htm)

(e) Form of Application for the Consultant Protector Flexible Premium Variable Universal Life Policy [Incorporated by reference from Registration Statement on Form N-6 for Allstate Life of New York Variable Life Separate Account A, filed November 1, 2002 (File No. 333-100935).](http://www.sec.gov/Archives/edgar/data/1034438/000094509402000675/0000945094-02-000675-index.htm)

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(f) Amended and Restated Charter of Wilton Reassurance Life Company of New York [Incorporated by reference from Registration Statement on Form N-6 for Allstate Life of New York Variable Life Separate Account A, filed November 1, 2021 (File No. 333-260640).](http://www.sec.gov/Archives/edgar/data/1034438/000119312521313858/0001193125-21-313858-index.htm)

(g) Not Applicable

(h) Fund Participation Agreements:

(1) Participation Agreement by and among AIM Variable Insurance Funds, AIM Distributors, Inc, Allstate Life
Insurance Company of New York, and Allstate Life Financial Services, Inc. [Incorporated by reference from Registration Statement on Form N-6 for Allstate Life of New York Variable Life Separate Account A, filed November 1, 2002 (File No. 333-100935).](http://www.sec.gov/Archives/edgar/data/1034438/000094509402000675/0000945094-02-000675-index.htm)

(2) Participation Agreement among the Alger American Fund, Allstate Life Insurance Company of New
York & Fred Alger and Company, Incorporated. [Incorporated by reference from Registration Statement on Form N-6 for Allstate Life of New York Variable Life Separate Account A, filed November 1, 2002 (File No. 333-100935).](http://www.sec.gov/Archives/edgar/data/1034438/000094509402000675/0000945094-02-000675-index.htm)

(3) Participation Agreement among Allstate Life Insurance Company of New York, Variable Insurance Products Fund
and Fidelity Distributors Corporation. [Incorporated by reference from Registration Statement on Form N-6 for Allstate Life of New York Variable Life Separate Account A, filed November 1, 2002 (File No. 333-100935).](http://www.sec.gov/Archives/edgar/data/1034438/000094509402000675/0000945094-02-000675-index.htm)

(4) Participation Agreement among Allstate Life Insurance Company of New York, Variable Insurance Products Fund
II and Fidelity Distributors Corporation. [Incorporated by reference from Registration Statement on Form N-6 for Allstate Life of New York Variable Life Separate Account A, filed November 1, 2002 (File No. 333-100935).](http://www.sec.gov/Archives/edgar/data/1034438/000094509402000675/0000945094-02-000675-index.htm)

(5) Fund Participation Agreement (Service Shares) between Janus Aspen Series and Allstate Life Insurance Company
of New York. [Incorporated by reference from Registration Statement on Form N-6 for Allstate Life of New York Variable Life Separate Account A, filed November 1, 2002 (File No. 333-100935).](http://www.sec.gov/Archives/edgar/data/1034438/000094509402000675/0000945094-02-000675-index.htm)

(6) Participation Agreement among Allstate Life Insurance Company of New York, Lazard Asset Management and
Lazard Retirement Series, Inc. [Incorporated by reference from Registration Statement on Form N-6 for Allstate Life of New York Variable Life Separate Account A, filed November 1, 2002 (File No. 333-100935).](http://www.sec.gov/Archives/edgar/data/1034438/000094509402000675/0000945094-02-000675-index.htm)

(7) Participation Agreement between Allstate Life Insurance Company of New York, LSA Variable Series Trust and
LSA Asset Management, LLC. [Incorporated by reference from Registration Statement on Form N-6 for Allstate Life of New York Variable Life Separate Account A, filed November 1, 2002 (File No. 333-100935).](http://www.sec.gov/Archives/edgar/data/1034438/000094509402000675/0000945094-02-000675-index.htm)

(8) Participation Agreement among MFS Variable Insurance Trust, Allstate Life Insurance Company of New York, and
Massachusetts Financial Services Company. [Incorporated by reference from Registration Statement on Form N-6 for Allstate Life of New York Variable Life Separate Account A, filed November 1, 2002 (File No. 333-100935).](http://www.sec.gov/Archives/edgar/data/1034438/000094509402000675/0000945094-02-000675-index.htm)

------

(9) Participation Agreement between Allstate Life Insurance Company of New York and OCC Accumulation Trust. [Incorporated by reference from Registration Statement on Form N-6 for Allstate Life of New York Variable Life Separate Account A, filed November 1, 2002 (File No. 333-100935).](http://www.sec.gov/Archives/edgar/data/1034438/000094509402000675/0000945094-02-000675-index.htm)

(10) Participation Agreement among Oppenheimer Variable Account Funds, Oppenheimer Funds, Inc., and Allstate Life
Insurance Company of New York. [Incorporated by reference from Registration Statement on Form N-6 for Allstate Life of New York Variable Life Separate Account A, filed November 1, 2002 (File No. 333-100935).](http://www.sec.gov/Archives/edgar/data/1034438/000094509402000675/0000945094-02-000675-index.htm)

(11) Participation Agreement among Panorama Series Fund, Oppenheimer Funds, Inc., and Allstate Life Insurance
Company of New York. [Incorporated by reference from Registration Statement on Form N-6 for Allstate Life of New York Variable Life Separate Account A, filed November 1, 2002 (File No. 333-100935).](http://www.sec.gov/Archives/edgar/data/1034438/000094509402000675/0000945094-02-000675-index.htm)

(12) Participation Agreement among PIMCO Variable Insurance Trust, Allstate Life Insurance Company of New York
and PIMCO Funds Distributor LLC. [Incorporated by reference from Registration Statement on Form N-6 for Allstate Life of New York Variable Life Separate Account A, filed November 1, 2002 (File No. 333-100935).](http://www.sec.gov/Archives/edgar/data/1034438/000094509402000675/0000945094-02-000675-index.htm)

(13) Participation Agreement among Putnam Variable Trust, Putnam Retail Management, Inc., and Allstate Life
Insurance Company of New York. [Incorporated by reference from Registration Statement on Form N-6 for Allstate Life of New York Variable Life Separate Account A, filed November 1, 2002 (File No. 333-100935).](http://www.sec.gov/Archives/edgar/data/1034438/000094509402000675/0000945094-02-000675-index.htm)

(14) Participation Agreement among Rydex Variable Trust, Rydex Distributors, Inc. and Allstate Life Insurance
Company of New York. [Incorporated by reference from Registration Statement on Form N-6 for Allstate Life of New York Variable Life Separate Account A, filed November 1, 2002 (File No. 333-100935).](http://www.sec.gov/Archives/edgar/data/1034438/000094509402000675/0000945094-02-000675-index.htm)

(15) Participation Agreement between Salomon Brothers Variable Series Fund, Inc., Salomon Brothers Asset
Management, Inc. and Allstate Life Insurance Company of New York. [Incorporated by reference from Registration Statement on Form N-6 for Allstate Life of New York Variable Life Separate Account A, filed November 1, 2002 (File No. 333-100935).](http://www.sec.gov/Archives/edgar/data/1034438/000094509402000675/0000945094-02-000675-index.htm)

(16) Fund Participation Agreement between Allstate Life Insurance Company of New York and Deutsche Asset
Management, Inc. [Incorporated by reference from Registration Statement on Form N-6 for Allstate Life of New York Variable Life Separate Account A, filed November 1, 2002 (File No. 333-100935).](http://www.sec.gov/Archives/edgar/data/1034438/000094509402000675/0000945094-02-000675-index.htm)

(17) Participation Agreement between Scudder Variable Series I, Deutsche Investment Management Americas Inc.,
Scudder Distributors, Inc. and Allstate Life Insurance Company of New York. [Incorporated by reference from Registration Statement on Form N-6 for Allstate Life of New York Variable Life Separate Account A, filed November 1, 2002 (File No. 333-100935).](http://www.sec.gov/Archives/edgar/data/1034438/000094509402000675/0000945094-02-000675-index.htm)

(18) Participation Agreement among Allstate Life Insurance Company of New York, T. Rowe Price Equity Series,
Inc., T. Rowe Price International Series, Inc., and T. Rowe Price Investment Services, Inc. [Incorporated by reference from Registration Statement on Form N-6 for Allstate Life of New York Variable Life Separate Account A, filed November 1, 2002 (File No. 333-100935).](http://www.sec.gov/Archives/edgar/data/1034438/000094509402000675/0000945094-02-000675-index.htm)

------

(19) Participation Agreement among Van Kampen Life Investment Trust, Van Kampen Funds, Inc., Van Kampen Asset
Management, Inc., and Allstate Life Insurance Company of New York. [Incorporated by reference from Registration Statement on Form N-6 for Allstate Life of New York Variable Life Separate Account A, filed November 1, 2002 (File No. 333-100935).](http://www.sec.gov/Archives/edgar/data/1034438/000094509402000675/0000945094-02-000675-index.htm)

(20) Participation Agreement among Allstate Life Insurance Company of New York, Van Kampen Universal
Institutional Funds, and Van Kampen Asset Management, Inc. [Incorporated by reference from Registration Statement on Form N-6 for Allstate Life of New York Variable Life Separate Account A, filed November 1, 2002 (File No. 333-100935).](http://www.sec.gov/Archives/edgar/data/1034438/000094509402000675/0000945094-02-000675-index.htm)

(21) Participation Agreement between Financial Investors Variable Insurance Trust and Allstate Life Insurance
Company of New York. [Previously filed in Post-Effective Amendment No. 6 to this Registration Statement (File No. 333-100935) dated April 30, 2009.](http://www.sec.gov/Archives/edgar/data/1034438/000083975909000153/0000839759-09-000153-index.htm)

(22) Participation Agreement between AIM Variable Insurance Funds and , Inc.. and Allstate Life Financial
Services, Inc. [Incorporated by reference from Post-Effective Amendment No. 5 to this Registration Statement filed April 25, 2022 (File No. 333-260640).](http://www.sec.gov/Archives/edgar/data/1034438/000119312522117291/d300702dex9930h22.htm)

(23) Participation Agreement between Fidelity(R) Variable Insurance Products Fund III and Allstate Life Insurance
Company of New York. [Incorporated by reference from Post-Effective Amendment No. 5 to this Registration Statement filed April 25, 2022 (File No. 333-260640).](http://www.sec.gov/Archives/edgar/data/1034438/000119312522117291/d300702dex9930h23.htm)

(24) Amendments to Participation Agreements between Fidelity
<sup>®</sup> Variable Insurance Products Funds and Allstate Life Insurance Company of New York. [Incorporated by reference from Post-Effective Amendment No. 5 to this Registration Statement filed April 25, 2022 (File No. 333-260640).](http://www.sec.gov/Archives/edgar/data/1034438/000119312522117291/d300702dex9930h24.htm)

(25) Participation Agreement between Financial Investors Variable Insurance Trust, ALPS Advisers, Inc., ALPS
Distributors, Inc. and Allstate Life Insurance Company of New York. [Incorporated by reference from Post-Effective Amendment No. 5 to this Registration Statement filed April 25, 2022 (File No. 333-260640).](http://www.sec.gov/Archives/edgar/data/1034438/000119312522117291/d300702dex9930h25.htm)

(26) Amendment to Participation Agreement between Universal Institutional Funds, Inc, Morgan Stanley Investment
Management, Inc. and Allstate Life Insurance Company of New York. [Incorporated by reference from Post-Effective Amendment No. 5 to this Registration Statement filed April 25, 2022 (File No. 333-260640).](http://www.sec.gov/Archives/edgar/data/1034438/000119312522117291/d300702dex9930h26.htm)

(27) Amendment to Participation Agreement between Legg Mason Partners Variable Equity Trust and Allstate Life
Insurance Company of New York. [Incorporated by reference from Post-Effective Amendment No. 5 to this Registration Statement filed April 25, 2022 (File No. 333-260640).](http://www.sec.gov/Archives/edgar/data/1034438/000119312522117291/d300702dex9930h27.htm)

(28) Participation Agreement between MFS Variable Insurance Trust and Allstate Life Insurance Company of New
York. [Incorporated by reference from Post-Effective Amendment No. 5 to this Registration Statement filed April 25, 2022 (File No. 333-260640).](http://www.sec.gov/Archives/edgar/data/1034438/000119312522117291/d300702dex9930h28.htm)

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(29) Participation Agreement between PIMCO Variable Insurance Trust and Allstate Life Insurance Company of New
York. [Incorporated by reference from Post-Effective Amendment No. 5 to this Registration Statement filed April 25, 2022 (File No. 333-260640).](http://www.sec.gov/Archives/edgar/data/1034438/000119312522117291/d300702dex9930h29.htm)

(30) Amendment to Participation Agreement between Putnam Variable Insurance Trust and Allstate Life Insurance
Company of New York. [Incorporated by reference from Post-Effective Amendment No. 5 to this Registration Statement filed April 25, 2022 (File No. 333-260640).](http://www.sec.gov/Archives/edgar/data/1034438/000119312522117291/d300702dex9930h30.htm)

(31) Participation Agreement between Van Eck Worldwide Insurance Trust and Allstate Life Insurance Company of New
York. [Incorporated by reference from Post-Effective Amendment No. 5 to this Registration Statement filed April 25, 2022 (File No. 333-260640).](http://www.sec.gov/Archives/edgar/data/1034438/000119312522117291/d300702dex9930h31.htm)

(32) [Participation Agreement between Lincoln Variable Insurance Products Trust and Allstate Life Insurance Company of New York (filed herewith)](d75976dex99h32.htm)

(33) [Amendment to Participation Agreement between Lincoln Variable Insurance Products Trust and Wilton Reassurance Life Company of New York (filed herewith)](d75976dex99h33.htm)

(i) Administrative Contracts

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Service Agreement among Allstate Life Insurance Company of New York, Intramerica Life Insurance Company and Wilton Re Services, Inc., effective October 1, 2021 [Incorporated by reference from Registration Statement on Form N6 for Allstate Life of New York Variable Life Separate Account A, filed November 1, 2021 (File No. 333-260638, 811-21250).](http://www.sec.gov/Archives/edgar/data/1034438/000119312521313855/0001193125-21-313855-index.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) Non-Marketing Third Party Agreement [Incorporated by reference from Registration Statement of Form N-6 filed April 25, 2024 (File No. 333-260642)](http://www.sec.gov/Archives/edgar/data/1034438/000119312524113746/d784570dex99i2.htm)

(j) Not Applicable

(k) Opinion and Consent of Counsel. [Incorporated by reference from Registration Statement on Form N-6 for Allstate Life of New York Variable Life Separate Account A, filed November 1, 2021 (File No. 333-260640)](http://www.sec.gov/Archives/edgar/data/1034438/000119312521313858/0001193125-21-313858-index.htm) .

(l) Actuarial Opinion and Consent. [Previously filed in Pre-Effective Amendment No. 1 to this Registration Statement (File No. 333-100935) dated June 30, 2003.](http://www.sec.gov/Archives/edgar/data/1034438/000094509403000609/0000945094-03-000609-index.htm)

(m) Sample Calculation. [Previously filed in Pre-Effective Amendment No. 1 to this Registration Statement (File No. 333-100935) dated June 30, 2003.](http://www.sec.gov/Archives/edgar/data/1034438/000094509403000609/0000945094-03-000609-index.htm)

(n) Other Consents

(1) [Consent of Independent Auditors (filed herewith)](d75976dex99n1.htm)

(2) [Consent of Independent Registered Public Accounting Firm (filed herewith)](d75976dex99n2.htm)

------

(o) Not Applicable.

(p) Not Applicable.

(q) Procedures Memorandum pursuant to Rule 6e-3(T)(b)(12)(ii [). Incorporated by reference from Registration Statement on Form N-6 for Allstate Life of New York Variable Life Separate Account A, filed November 1, 2002 (File No. 333-100935).](http://www.sec.gov/Archives/edgar/data/1034438/000094509402000675/0000945094-02-000675-index.htm)

(r) Form of Initial Summary Prospectus – Not Applicable

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| | |
|:---|:---|
| (99)(a) | Resolution of Board of Directors authorizing Chief Executive Officer to sign on Wilton Reassurance Life Company of New York's behalf pursuant to power of attorney [Incorporated by reference from Registration Statement on Form S-1 Wilton Reassurance Life Company of New York filed April 11, 2023.](http://www.sec.gov/Archives/edgar/data/1553899/000162828023011293/wrnys1combo.htm)  |

---

(b) Powers of Attorney Ponomarev, Braun, Sheefel, Lash, Moser, Overbeeke, Quinn, Dwyer, Mak, McGroarty, Treglia
and Fahr <u>[Incorporated by reference from Post-Effective Amendment No.](http://www.sec.gov/Archives/edgar/data/1553899/000113322826005661/wm-efp23951_ex99p1.htm)</u> [<u>2 to Registration Statement on Form N-4 Wilton Reassurance Life Company of New York filing date April</u> <u>17, 2026 (File No.</u> <u>333-278375</u>).](http://www.sec.gov/Archives/edgar/data/1553899/000113322826005661/wm-efp23951_ex99p1.htm)

Item 31. EXECUTIVE OFFICERS AND DIRECTORS OF THE DEPOSITOR

Unless otherwise indicated, the principal business address of each of the directors and officers of Wilton Reassurance Life Company of New York is 801 Main Avenue, 5th Floor, Norwalk, CT 06851.

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| | |
|:---|:---|
| **NAME AND PRINCIPAL**<br> **BUSINESS ADDRESS** | **POSITION AND OFFICE WITH DEPOSITOR OF THE ACCOUNT** |
| Dmitri Ponomarev | Chairman of the Board of Directors |
| Perry H. Braun\* | Director |
| Scott Sheefel | Director, President and Chief Executive Officer |
| Steven D. Lash | Director, Senior Vice President, Group Chief Financial Officer |
| Enrico Treglia | Director |
| Susan Moser | Director |
| David Overbeeke\* | Director |
| John J. Quinn\* | Director |
| James R. Dwyer\* | Director |
| Shilpa Lakhani | Senior Vice President, Chief Investment Officer |
| Brent McGroarty | Senior Vice President, Chief Operating Officer |
| Lauren Mak | Senior Vice President, Chief Financial Officer |
| Nik Godon\*\* | Vice President, Valuation Actuary |
| Rob Fahr | Vice President, Controller |
| Leah Chai | Tax Director |
| James Conway\*\* | Illustration Actuary |

---

------

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| | |
|:---|:---|
| Steven Brogan | Chief Legal Officer, Secretary |
| Jaime Merritt | Assistant Secretary |
| Karen Carpenter \*\* | Chief Compliance Officer – Separate Accounts |
| Susan Paternoster | Chief Information Officer |
| Brandon Melton | Chief Information Security Officer |
| Michael Khoury\*\*\* | Claims Officer |
| Brandie Ray\*\*\* | Claims Officer |
| Cindy Sumner\*\*\* | Claims Officer |

---

Individuals marked with an \* are outside directors whose address is c/o WRNY, 800 Westchester Avenue, Suite 641 N, Rye Brook, NY 10573. The principal business address for the individuals marked with \*\* is 4840 N. River Blvd, Suite 400, Cedar Rapids, Iowa 52411. The principal business address for individuals marked with \*\*\* is 900 Washington Ave., Waco, TX 76701.

Item 32. PERSONS CONTROLLED BY OR UNDER COMMON CONTROL WITH THE DEPOSITOR OR REGISTRANT

![LOGO](g75976dsp065.jpg)

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Item 33: INDEMNIFICATION

The Amended and Restated Charter of Wilton Reassurance Life Company of New York (Depositor) provide for the indemnification of its directors against damages for breach of duty as a director, so long as such person acts or omissions were not in bad faith or involve intentional misconduct or acts or omissions that such person know or reasonable should have known violated the Insurance law or that constituted a knowing violation of any other law that such person personally gain in fact a financial profit or other advantage to which such person was not legally entitled.

Under the terms of the underwriting agreement, the Depositor agrees to indemnify the Distributor for any act or omission in the course of or in connection with rendering services under the underwriting agreement or arising out of the purchase , retention or surrender of a contract; provided however that the company will not indemnify Distributor for any such liability that results from the willful misfeasance, bad faith or gross negligence of Distributors or from the reckless disregard by Distributors of its duties and obligations arising under the underwriting agreement.

Insofar as indemnification for liability arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the registrant pursuant to the forgoing provisions, or otherwise, the registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.

Item 34. PRINCIPAL UNDERWRITERS

Wilton Re Distributors LLC ("WRDL") serves as principal underwriter of the Policies.

In addition to Wilton Reassurance Life Co of New York Variable Life Separate Account A, WRDL is the principal underwriter for the following separate accounts:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Wilton Reassurance Life Co of New York Separate Account A

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Wilton Reassurance Life Co of New York Variable Annuity Account

The following are the directors and officers of WRDL. The principal business address is 4840 N. River Blvd, Suite 400, Cedar Rapids, Iowa 52411.

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;Name | Position |
| &nbsp;&nbsp; Karen Carpenter | CEO and Chief Compliance Officer |
| &nbsp;&nbsp; David Brant | FINOP |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Name of Principal<br>Underwriter** | **Net Underwriting <br> Discounts and <br> Commissions** | **Compensation on <br>Redemption** | **Brokerage <br>Commission** | **Other** <br> **Compensation**  |
| &nbsp;&nbsp;&nbsp;Wilton Re Distributors LLC. | $50,325.32\* | $0 | $0 | $0 |

---

\* WRDL retained none of the commissions.

Item 35. LOCATION OF ACCOUNTS AND RECORDS

Omitted.

Item 36. MANAGEMENT SERVICES

None.

Item 37. FEE REPRESENTATION

Wilton Reassurance Life Company of New York hereby represents that the aggregate fees and charges deducted under the Policy are reasonable in relation to the services rendered, the expenses expected to be incurred, and the risks assumed by Wilton Reassurance Life Company of New York.

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SIGNATURES

Pursuant to the requirements of the Securities Act of 1933 and the Investment Company Act of 1940, the Registrant certifies that it meets all of the requirements for effectiveness of this Registration Statement under rule 485(b) under the Securities Act and has caused this Registration Statement to be signed on its behalf by the undersigned, duly authorized, in the City of Norwalk, State of Connecticut, on the 28th day of April, 2026.

WILTON REASSURANCE LIFE CO OF NEW YORK VARIABLE LIFE SEPARATE ACCOUNT A

(REGISTRANT)

---

| |
|:---|
| By: \* |
| Scott Sheefel |
| Director, President and Chief Executive Officer |
| Wilton Reassurance Life Company of New |
| York |

---

WILTON REASSURANCE LIFE COMPANY OF NEW YORK

(DEPOSITOR)

---

| |
|:---|
| By: \* |
| Scott Sheefel |
| Director, President and Chief Executive Officer |

---

Pursuant to the requirements of the Securities Act of 1933, this registration statement has been signed by the following persons in the capacities and on the dates indicated.

---

| | | |
|:---|:---|:---|
| **Signature** | **Title** | **Date** |
| ___\*_________________________ | Director, Chairman of the Board | <u>4/28/26</u> |
| Dmitri Ponomarev |  |  |
| _____\*______________________ | Director | <u>4/28/26</u> |
| Perry H. Braun | Director |  |
| ______\*_____________________ | Director, President and Chief Executive Officer | <u>4/28/26</u> |
| Scott Sheefel | Director, President and Chief Executive Officer |  |
|  | (Principal Executive Officer) |  |

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------

---

| | | |
|:---|:---|:---|
| ______\*_____________________ | Director, Group Chief Financial<br> Officer, Senior Vice President | <u>4/28/26</u> |
| Steven D. Lash | Director, Group Chief Financial<br> Officer, Senior Vice President |  |
| ______\*_____________________ | Director | <u>4/28/26</u> |
| Susan Moser |  |  |
| ______\*_____________________ | Director | <u>4/28/26</u> |
| Enrico Treglia |  |  |
| __\*_________________________ | Senior Vice President,<br> Chief Operating Officer | <u>4/28/26</u> |
| Brent McGroarty | Senior Vice President,<br> Chief Operating Officer |  |
|  | Senior Vice President,<br> Chief Financial Officer |  |
| __\*_________________________ | (Principal Financial Officer) | <u>4/28/26</u> |
| Lauren Mak |  |  |
| ______\*_____________________ | Vice President, Controller | <u>4/28/26</u> |
| Rob Fahr |  |  |
| ______\*_____________________ | Director | <u>4/28/26</u> |
| David Overbeeke |  |  |
| ______\*_____________________ | Director | <u>4/28/26</u> |
| John J. Quinn |  |  |
| ______\*_____________________ | Director | <u>4/28/26</u> |
| James R. Dwyer |  |  |
|  ___/s/ Karen Carpenter______________________________<br> \*Signed by Karen Carpenter as Attorney in Fact, on behalf of those indicated pursuant to powers of attorney | ___/s/ Karen Carpenter______________________________<br> \*Signed by Karen Carpenter as Attorney in Fact, on behalf of those indicated pursuant to powers of attorney |  |

---

------

EXHIBIT INDEX

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| | |
|:---|:---|
| EXHIBIT<br>NO. |  |
| 30(h)(32) | Participation Agreement between Lincoln Variable Insurance Products Trust and Allstate Life Insurance Company of New York |
| 30(h)(33) | Amendment to Participation Agreement between Lincoln Variable Insurance Products Trust and Wilton Reassurance Life Company of New York |
| 30(n)(1) | Consent of Independent Auditors |
| 30(n)(2) | Consent of Independent Registered Public Accounting Firm |

---

## Ex-99.(H)(32)

**FUND PARTICIPATION AGREEMENT** 

THIS AGREEMENT, made as of April 29, 2024, by and between **LINCOLN VARIABLE INSURANCE PRODUCTS TRUST**, a Delaware statutory trust ("Trust"), on its behalf and on behalf of its investment series set forth in Exhibit A (each, a "Fund"), **LINCOLN FINANCIAL DISTRIBUTORS, INC.**, a Connecticut corporation ("Distributor"), **LINCOLN FINANCIAL INVESTMENTS CORPORATION**, a Tennessee corporation ("Adviser"), and **WILTON REASSURANCE LIFE INSURANCE COMPANY OF NEW YORK** ("Company"), a life insurance company organized under the laws of the **State** of **NEW YORK.**

WHEREAS, the Trust is registered with the Securities and Exchange Commission ("SEC") under the Investment Company Act of 1940 ("1940 Act") as an open-end, diversified management investment company;

WHEREAS, the Trust is organized as a series fund comprised of separate investment, series, including each Fund;

WHEREAS, the Trust was organized to act as the funding vehicle for certain variable life insurance and/or variable annuity contracts offered by life insurance companies through separate accounts of such life insurance companies and also may offer its shares to certain qualified pension and retirement plans;

WHEREAS, the Trust operates under an order from the SEC, dated June 4, 2007 (File No. 812-13287) ("Order"), granting relief from various provisions of the 1940 Act and the rules thereunder to the extent necessary to permit Fund shares to be sold to and held by variable annuity and variable life insurance separate accounts of both affiliated and unaffiliated participating insurance companies accounts ("Participating Insurance Companies") and qualified pension and retirement plans outside the separate account context and any other trust, plan, account, contract or annuity trust that is within the scope of Treasury Regulation §1.817.5(f)(3)(iii) (collectively, the "Plans");

WHEREAS, the Company has established or will establish one or more separate accounts ("Separate Accounts") to offer variable annuity contracts and variable life insurance policies (collectively, "Variable Contracts"), set forth on Exhibit B, and it seeks to have one or more of the Funds serve as certain of the underlying funding vehicles for such Variable Contracts;

WHEREAS, the Adviser is registered with the SEC as an investment adviser under the Investment Advisers Act of 1940;

WHEREAS, the Distributor is duly registered as a broker-dealer under the Securities Exchange Act of 1934 (the "1934 Act") and is a member in good standing of the Financial Industry Regulatory Authority ("FINRA");

WHEREAS, to the extent permitted by applicable insurance laws and regulations, the Company intends to purchase Fund shares to serve as investment options under the Variable Contracts and each Fund is authorized to sell such shares to the Company at net asset value ("NAV"); and

------

WHEREAS, the Parties anticipate being able to use the services of the National Securities Clearing Corporation ("NSCC") for trades in the LVIP Funds.

NOW, THEREFORE, in consideration of their mutual promises, the Company, the Trust, the Distributor and the Adviser agree as follows:

Article I. <u>SALE</u><u> </u><u>OF</u><u> </u><u>FUND</u> <u>SHARES</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.1. The Trust agrees to make available to the Separate Accounts shares of each Fund as listed in Exhibit A for investment of proceeds from Variable Contracts allocated to the designated Separate Accounts, such shares to be offered as provided in Fund's Prospectus.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.2. The Trust agrees to sell to the Company those Fund shares which the Company orders, executing such orders on a daily basis at the NAV next computed after receipt by the Trust or its designee of the order. For purposes of this Section, the Company shall be the designee of the Trust for receipt of such orders from the Company and receipt by such designee shall constitute receipt by the Trust; provided that the Trust receives notice on the next Business Day ("Day 2") of such order as set forth in Section 1.7. "Business Day" shall mean any day on which the New York Stock Exchange is open for trading and on which the Funds calculate their net asset value pursuant to the rules of the SEC

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.3. The Trust agrees to redeem for cash, on the Company's request, any full or fractional Fund shares held by the Company, executing such requests on a daily basis at the NAV next computed after receipt by the Trust or its designee of the request for redemption. For purposes of this Section, the Company shall be the designee of the Trust for receipt of requests for redemption from the Company and receipt by such designee shall constitute receipt by the Trust; provided that the Trust receives notice on Day 2 of such request for redemption as set forth in Section 1.7.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.4. The Trust shall furnish, on or before the ex-dividend date, notice to the Company of any income dividends or capital gain distributions payable on the shares of any Fund. The Company hereby elects to receive all such income dividends and capital gain distributions as are payable on a Fund's shares in additional shares of the Fund. The Trust shall notify the Company of the number of shares so issued as payment of such dividends and distributions. The Company reserves the right to revoke this election by written notice to the Trust.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.5. The Trust shall make the NAV per share for the selected Fund(s) available to the Company on a daily basis as soon as reasonably practicable after the NAV per share is calculated but shall use its best efforts to make such NAV available by 6:30 p.m. Eastern time. In the event of an error in the computation of a Fund's NAV or any dividend or capital gain distribution (each, a "pricing error"), the Distributor or the Fund shall promptly notify the Company as soon as possible after discovery of the error. Such notification may be verbal, but shall be confirmed promptly in writing. A pricing error shall be corrected in accordance with the Fund's policy for correction of pricing errors ("Pricing Policy"); provided such Pricing Policy meets the requirements of the 1940 Act and any views expressed by the SEC staff. If an adjustment is necessary to correct a material error which has caused Variable Contract owners to receive less than the amount to which they are entitled, the number of shares of the applicable sub-account of

------

such Variable Contract owners will be adjusted and the amount of any underpayments shall be credited by the Distributor to the Company for crediting of such amounts to the applicable Variable Contract owners accounts. Upon notification by the Distributor of any overpayment due to a material error, the Company shall promptly remit to the Distributor any overpayment that has not been paid to the Variable Contract owners. A pricing error shall be deemed to be "materially incorrect" or constitute a "material error" in accordance with the Fund's Pricing Policy for purposes of this Agreement. The standards set forth in this Section are based on the parties' understanding of the views expressed by the staff of the SEC as of the date of this Agreement. In the event the views of the SEC staff are later modified or superseded by SEC or judicial interpretation, the parties shall amend the foregoing provisions of this Agreement to comport with the appropriate applicable standards, on terms mutually satisfactory to all parties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.6. At the end of each Business Day, the Company shall use the information described in Section 1.5 to calculate Separate Account unit values for the day. Using these unit values, the Company shall process each such Business Day's Separate Account transactions based on requests and premiums received by it by the time as of which the Fund calculates its share price as disclosed in the Fund's prospectus (which as of the date of execution of this Agreement is 4:00 p.m. Eastern Time) to determine the net dollar amount of the Fund shares which shall be purchased or redeemed at that day's closing NAV per share. The net share purchase or redemption orders so determined shall be transmitted to the Trust by the Company on Day 2 as set forth in Section 1.7.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.7. <u>Submission</u> <u> </u> <u>of</u> <u> </u> <u>LVIP</u> <u> </u> <u>Fund</u> <u> </u> <u>Trades</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) *NSCC   Trades.*  Company will communicate to the Trust purchases and redemptions of
units of the Funds through the National Securities Clearing Corporation ("NSCC") by NSCC Cycle 8. If the NSCC is unavailable for any reason, and Company is unable to communicate such orders by NSCC Cycle 8, it shall follow the procedure
for manual trades set forth herein in Section 1.7(c).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) To the extent that trades are submitted by NSCC, the Rules & Procedures Manual of the NSCC, as
amended from time to time, are hereby made a part of this Agreement as it fully set forth herein and shall be a part of each trade cleared. The Parties represent that they, an affiliate and/or agent are, or with respect to the Funds are in the
process of applying to be, members of the NSCC.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) *Manual Trades.* In the event that the NSCC should become unavailable for any reason for submission of
Fund trades, the Parties agree to that Company will communicate the purchases and redemptions of units of Funds through a trade file in a mutually agreed upon format, submitted via SFTP by 7:30 AM, Eastern Time, on Day 2.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.8. If the Company's order requests the net purchase of the Trust shares, the Company shall pay for such purchase by wiring federal funds to the Trust or its designated custodial account on the day the order is actually transmitted by the Company by the close of the Federal Reserve wire system. If the Company's order requests a net redemption resulting in a payment of redemption proceeds to the Company, the Trust shall wire the redemption proceeds

------

to the Company on the day the order is actually received by the Trust by the close of the Federal Reserve wire system. If the Company's order requests the application of redemption proceeds from the redemption of shares to the purchase of shares of another fund administered or distributed by the Distributor, the Trust shall so apply such proceeds on the same Business Day that the Company transmits such order to the Trust. The Company shall use its reasonable best efforts to notify the Distributor at least five days in advance of a single purchase, redemption or exchange order for one million dollars ($1,000,000) or more of which it has prior knowledge.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.9. Notwithstanding Section 1.8, the Trust reserves the right to suspend the right of redemption or postpone the date of payment or satisfaction upon redemption consistent with Section 22(e) of the 1940 Act and any rules thereunder.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.10. Notwithstanding Section 1.8, the Trust reserves the right process redemptions in kind, in its sole discretion.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.11. The Trust agrees that all Fund shares will be sold only to Participating Insurance Companies which have agreed to purchase Fund shares to fund their Separate Accounts and/or to certain qualified pension and other retirement plans, all in accordance with the requirements of Section 817(h) of the Internal Revenue Code of 1986 ("Code") and Treasury Regulation 1.817-5. Fund shares will not be sold directly to the general public.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.12. The Trust may refuse to sell shares of any Fund to any person, or suspend or terminate the offering of the shares of any Fund if such action is required by law or by regulatory authorities having jurisdiction or is, in the sole discretion of the Board of Trustees of the Trust, acting in good faith and in light of its fiduciary duties under federal and any applicable state laws, deemed necessary and in the best interests of the shareholders of each Fund.

Article II. <u>REPRESENTATIONS</u><u> </u><u>AND</u><u> </u><u>WARRANTIES</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.1. The Company represents and warrants that it is an insurance company duly organized and in good standing under the laws of the state in which it is organized and that it has legally and validly established each Separate Account as a segregated asset account under such laws, and that the principal underwriter for the Variable Contracts, is registered as a broker-dealer under the 1934 Act.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.2. The Company represents and warrants that it has registered each Separate Account as a unit investment trust in accordance with the provisions of the 1940 Act and will cause each Separate Account to remain so registered to serve as a segregated asset account for the Variable Contracts, unless an exemption from registration is available. The Company represents and warrants that interests in the Separate Account under the Variable Contracts will be registered under the Securities Act of 1933 ("1933 Act") unless an exemption from registration is available prior to any issuance or sale of the Variable Contracts and that the Variable Contracts will be issued and sold in compliance in all material respects with all applicable federal and state laws and further that the sale of the Variable Contracts shall comply in all material respects with state insurance law suitability requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3. The Company represents and warrants that the Variable Contracts are currently and at the time of issuance will be treated as life insurance, endowment or annuity contracts

------

under applicable provisions of the Code, that it will maintain such treatment and that it will notify the Trust immediately upon having a reasonable basis for believing that the Variable Contracts have ceased to be so treated or that they might not be so treated in the future.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.4. The Company represents and warrants that it shall deliver such prospectuses, statements of additional information, proxy statements and periodic reports of each Fund as required to be delivered under applicable federal or state law in connection with the offer, sale or acquisition of the Variable Contracts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.5. The Trust represents and warrants that the Fund shares offered and sold pursuant to this Agreement will be registered under the 1933 Act and shall be duly authorized for issuance and sold in accordance with all applicable federal and state laws, and the Trust shall be registered under the 1940 Act prior to and at the time of any issuance or sale of such shares. The Trust shall amend its registration statement under the 1933 Act and the 1940 Act as required in order to effect the continuous offering of Fund shares.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.6. The Trust represents and warrants that each Fund currently complies, and will continue to comply with the diversification requirements set forth in Section 817(h) of the Code, and the rules and regulations thereunder, and will notify the Company immediately upon having a reasonable basis for believing any Fund has ceased to comply will take reasonable steps to adequately diversify the Fund to achieve compliance within the grace period afforded by Regulation 1.817-5.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.7. The Trust represents and warrants that each Fund invested in by the Separate Account is currently qualified as a "regulated investment company" under Subchapter M of the Code, that it will maintain such qualification under Subchapter M (or any successor or similar provisions) and will notify the Company upon having a reasonable basis for believing any Fund has ceased to so qualify.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.8. The Company hereby consents to the use by the Trust of the name and telephone number of the Company and to the reference by the Trust to the relationship between the Company and the Trust as part of an informational page on the Trust's site on the World Wide Web portion of the Internet. The Company hereby further consents to the Trust's establishing a link between the Trust's site and the Company's site from the same place that the Company is listed on the Trust's site. The Trust Company hereby consents to the use by the Company of the name and telephone number of the Trust and to the reference by the Company to the relationship between the Company and the Trust as part of an informational page on the Company's site on the World Wide Web portion of the Internet. The Trust Company hereby further consents to the Company's establishing a link between the Trust's site and the Company's site from the same place that the Trust Company is listed on the Company's site, including a link to the prospectus and statement of additional information of the Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.9. The Trust represents that it is lawfully organized and validly existing under the laws of the State of Delaware.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.10. The Trust represents and warrants that its directors, officers, employees dealing with the money and/or securities of the Trust are and shall continue to be at all times covered by

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a blanket fidelity bond or similar coverage for the benefit of the Trust in an amount not less than the minimum coverage as required by Rule 17g-(1) under the 1940 Act or related provisions as may be promulgated from time to time. The aforesaid blanket fidelity bond shall include coverage for larceny and embezzlement and shall be issued by a reputable bonding company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.11. The Adviser represents and warrants that it is registered as an investment adviser and shall remain duly registered under all applicable federal and state securities laws and that it shall perform its obligations for the Trust in compliance in all material respects with the applicable laws of the State of Tennessee and any applicable state and federal securities laws.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.12. The Distributor represents and warrants that it is registered as a broker-dealer and shall remain duly registered under all applicable federal and state securities laws and that it shall perform its obligations for the Trust in compliance in all material respects with the applicable laws of the State of Connecticut and any applicable state and federal securities laws.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.13. Each party represents and warrants that the execution and delivery of this Agreement and the consummation of the transactions contemplated herein have been duly authorized by all necessary corporate, partnership or trust action, as applicable, by such party, and, when so executed and delivered, this Agreement will be the valid and binding obligation of such party enforceable in accordance with its terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.14. The Company represents and warrants that all orders for the purchase and sale of Fund shares submitted to the Trust (or counted by the Company in submitting a net order under this Agreement) will have been received in good order by the Company prior to the time as of which the Fund calculates its NAV on that Business Day, as disclosed in the prospectus for the pertinent Fund (the "trading deadline"), in accordance with Rule 22c-1 under the 1940 Act (subject only to exceptions as permitted under Rule 22c-1(c) under the 1940 Act, respecting initial purchase payments on variable annuity contracts, and to the established administrative procedures of the Company as described under Rule 6e-3(T)(b)(12)(iii) under the 1940 Act respecting premium processing for variable life insurance contracts). The Company will, upon reasonable request, certify to the Trust and the Distributor that the Company is in compliance with this Section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.15. The Company represents and warrants that is has implemented policies and procedures reasonably designed to guard against money laundering activities, to detect and report suspicious activities and to comply with the applicable provisions of the Bank Secrecy Act, as amended by the USA PATRIOT Act, and any and all related regulations. In this regard, (a) to the extent required by law, the Company or its agents have obtained and will obtain in the future, evidence that satisfactorily establishes the identity of each of its Contract owners; (b) such information will be made available to the Trust and the Distributor or their agents upon their request for regulatory purposes; and (c) the Company will identify any suspicious transactions to the Trust and the Distributor.

Article III. <u>TRUST</u><u> </u><u>DOCUMENTS;</u><u> </u><u>PROXY</u><u> </u><u>STATEMENTS</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.1. The Trust shall prepare and file with the SEC and any state regulators requiring such filing all shareholder reports, notices, proxy materials (or similar materials such as voting

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instruction solicitation materials), prospectuses and statements of additional information of the Trust.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.2. The Trust is responsible for preparing, filing and providing the following "Trust Documents," as specified in paragraph (b)(1) of Rule 30e-3 and paragraph (j)(1)(iii) of Rule 498A:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Summary Prospectus for each of the Funds;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Statutory Prospectus for each of the Funds;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Statement of Additional Information ("SAI") for each of the Funds;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Most Recent Annual and Semi-Annual Reports to Shareholders (under Rule 30e-1 under the 1940 Act) for the Funds (together, the "Shareholder Reports" that are referred to in Rule 30e-3 as the "Current" and
"Prior" Report to Shareholders).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) Complete Fund Holdings From the Shareholder Reports Containing a Summary Schedule of Investments (the
"Complete Fund Holdings"); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) Fund Holdings For Most Recent First and Third Fiscal Quarters (and together with the Complete Fund Holdings,
the "Fund Holdings").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.3. The Trust shall provide the Summary Prospectus and Statutory Prospectus for the Funds to the Company (or its designee) no later than 5 business days prior to May 1 of each year (to facilitate the required website posting) and provide updated versions as necessary, in order to facilitate a continuous offering of the Trust's securities and the Variable Contracts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.4. The Trust shall provide the Shareholder Reports and the Fund Holdings to the Company (or its designee) on a timely basis (to facilitate the required website posting) but no later than 5 business days before the date each time that the Shareholder Reports and Fund Holdings are required to be posted by Rule 30e-3.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5. The Trust shall provide the Trust Documents to the Company (or its designee) in an electronic format that is suitable for website posting, and in a format, or formats, that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) are both human-readable and capable of being printed on paper in human- readable format (in accordance with
paragraph (b)(3) of Rule 30e-3 and paragraph (h)(2)(i) of Rule 498A);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) permit persons accessing the Statutory Prospectus and SAI for the Funds to move directly back and forth
between each section heading in a table of contents of such document and the section of the document referenced in that section heading (that is, these documents must include linking, in accordance with paragraph (h)(2)(ii) of Rule 498A);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) are compliant with applicable provisions of the Americans with Disabilities Act; and

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) permit persons accessing the Trust Documents to permanently retain, free of charge, an electronic version of
such Documents that meet the requirements of subparagraphs (h)(2)(i) and (ii) of Rule 498A (in accordance with paragraph (h)(3) of Rule 498A).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6. The Company or its designee shall host and maintain the website specified in paragraph (j)(1)(iii) of Rule 498A, so that the Trust Documents are publicly accessible and free of charge at that website, in accordance with the conditions set forth in that paragraph, *provided* that the Trust fulfills its obligations under this Article III.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7. The Company shall ensure that a Summary Prospectus for the Funds is used, in accordance with paragraph (j)(1)(ii) of Rule 498A.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8. The Trust shall be responsible for the content and substance of the Trust Documents as provided to the Company, including, but not limited to, the accuracy and completeness of the Trust Documents. Without limiting the generality of the foregoing in any manner, the Trust shall be responsible for ensuring that the Trust Documents as provided to the Company:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Meet the applicable standards of the 1933 Act, the 1934 Act; the 1940 Act; and all rules and regulations
under those Acts; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Do not contain any untrue statement of a material fact or omit to state a material fact necessary in order
to make the statements made, in light of the circumstances under which they are made, not misleading.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.9. The Trust shall:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) At Company's expense, as the Company or its agents may reasonably request from time to time, provide
the Company or its agents with sufficient paper copies of the then current Trust Documents, so that the Company or its agents may maintain a supply of such current paper documents sufficient in its reasonable judgment to meet anticipated requests
from Contract owners (in order to comply with the requirements of paragraphs (e) and (f) of Rule 30e-3 and paragraphs (i)(1) and (j)(3) of Rule 498A). Such Company or agent requests shall be fulfilled
reasonably promptly, but in no event more than three (3 **)** business days after the request from the Company or its agent is received by either the Trust or the Distributor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Alternatively, if requested by the Company in lieu thereof, the Trust or its designee shall provide such
electronic or other documentation (including "camera ready" copies of the current Trust Documents as set in type, or at the request of the Company, a diskette in a form suitable to be sent to a financial printer), and such other
assistance as is reasonably necessary to have the then current Trust Documents printed for distribution; the reasonable costs of providing the electronic documentation and of such printing to be borne by the Trust.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.10. The Trust will bear the printing and mailing costs associated with the delivery of current proxy materials (including, but not limited to, the proxy cards, notice and statement, as well as the costs associated with tabulating votes) to existing Variable Contract owners of the

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Company who are invested in the Trust. The Company will submit any bills for printing, duplicating and/or mailing costs, relating to the Trust documents described above, to the Trust for reimbursement by the Trust. The Company shall monitor such costs and shall use its best efforts to control these costs. The Trust will provide Company with copies of current proxy materials suitable for printing with respect to existing Contract owners who are prospective purchasers of the Trust and with respect to prospective Variable Contract owners of the Company. The Company will pay all the expenses for printing and mailing these documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.11. The Trust will provide the Company with at least one complete copy of all prospectuses, statements of additional information, annual and semi-annual reports, proxy statements, exemptive applications and all amendments or supplements to any of the above that relate to the Fund after the filing of each such document with the SEC or other regulatory authority. The Company will provide the Trust with at least one complete copy of all prospectuses, statements of additional information, annual and semi-annual reports, proxy statements, exemptive applications and all amendments or supplements to any of the above that relate to a Separate Account after the filing of each such document with the SEC or other regulatory authority.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.12. The Company agrees that it will cooperate with the Distributor and the Trust by providing to the Distributor and the Trust, within thirty (30) days prior to any deadline imposed by applicable laws, rules or regulations, information regarding shares sold and redeemed by Separate Accounts and whether the Separate Accounts are registered or unregistered under the 1940 Act and any other information pertinent to enabling the Distributor and the Trust to pay registration or other fees with respect to the Trust shares sold during the fiscal year in accordance with Rule 24f-2 or to register and qualify Trust shares under any applicable laws, rules or regulations in a timely manner.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.13. Except with respect to information regarding the Company provided in writing by that party, the Company shall not be responsible for the content of the prospectus or statement of additional information for the Trust. Also, except with respect to information regarding the Trust, Distributor, Adviser or the Fund provided in writing by the Trust, Distributor or Adviser, neither the Trust, the Distributor nor Adviser are responsible for the content of the prospectus or statement of additional information for the Variable Contracts.

Article IV. <u>SALES</u><u> </u><u>MATERIALS;</u> <u>PRIVACY</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.1. The Company will furnish, or will cause to be furnished, to the Trust and the Distributor, each piece of sales literature or other promotional material in which the Trust, the Distributor or Adviser is named, at least ten (10) Business Days prior to its intended use. No such material will be used if the Trust or the Distributor objects to its use in writing within ten (10) Business Days after receipt of such material.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.2. The Trust and the Distributor will furnish, or will cause to be furnished, to the Company, each piece of sales literature or other promotional material in which the Company or its Separate Accounts are named, at least ten (10) Business Days prior to its intended use. No such material will be used if the Company objects to its use in writing within ten (10) Business Days after receipt of such material.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.3. The Trust and its affiliates and agents shall not give any information or make any representations on behalf of the Company or concerning the Company, the Separate Accounts, or the Variable Contracts issued by the Company, other than the information or representations contained in a registration statement or prospectus for such Variable Contracts, as such registration statement and prospectus, or in reports of the Separate Accounts or reports prepared for distribution to owners of such Variable Contracts, or in sales literature or educational or other promotional material approved by the Company or its designee, except with the written permission of the Company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.4. The Company and its affiliates and agents shall not give any information or make any representations on behalf of the Trust or a Fund or concerning the Trust or a Fund other than the information or representations contained in a registration statement or prospectus for the Trust, as such registration statement and prospectus, or in sales literature or other educational or promotional material approved by the Trust or its designee, except with the written permission of the Trust.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.5. Subject to law and regulatory authority, each party to this Agreement shall treat as confidential all information pertaining to the owners of the Variable Contracts and all information reasonably identified as confidential in writing by any other party hereto and, except as permitted by this Agreement, shall not disclose, disseminate or utilize such names and addresses and other confidential information until such time as it may come into the public domain without the express written consent of the affected party. Each party shall be solely responsible for the compliance of their officers, directors, employees, agents, independent contractors, and any affiliated and non-affiliated third parties with all applicable privacy-related laws and regulations including but not limited to the Gramm-Leach-Bliley Act and Regulation S- P. The provisions of this Section shall survive the termination of this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.6. Except as provided in Section 4.7 below, neither party shall disclose to any third party any confidential information obtained under this Agreement. For purposes of this Agreement, confidential information includes, without limitation, information about the business operations of the parties; and financial information, methods, plans, techniques, processes, and trade secrets, regardless of whether any such information would be considered material under the federal securities laws. Each party shall use confidential information only in furtherance of performing its duties hereunder and shall maintain policies and procedures reasonably designed to prevent its unauthorized disclosure. For the sake of clarity, confidential information does not include information that (1) is, or becomes, public knowledge through no act or failure to act of the receiving party, its employees, or its agents, (2) is publicly available, (3) is lawfully obtained by the receiving party from a third party not known by the receiving party after reasonable inquiry to have an obligation to maintain the confidentiality of such information, (4) is independently developed by the receiving party from sources or through persons that receiving party can demonstrate had no access to the information of the disclosing party, or (5) is otherwise in the possession of the receiving party, or becomes available to the receiving party, without confidentiality restrictions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.7. A party may disclose confidential information to a third party: (i) with the prior written consent of the other party; (ii) as required by applicable federal or state law, regulation, court order, or the rules and regulations or request of any governmental or self-regulatory body

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or official having jurisdiction over such party; or (iii) to its associates, delegates and other agents who reasonably require access to such information in order to provide the services contemplated by this Agreement.

Article V. <u>POTENTIAL</u> <u>CONFLICTS</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.1. The Board of Trustees of the Trust (the "Board") will monitor the Trust for the existence of any material irreconcilable conflict between the interests of the Variable Contract owners of Participating Insurance Company Separate Accounts investing in the Trust. A material irreconcilable conflict may arise for a variety of reasons, including: (a) state insurance regulatory authority action; (b) a change in applicable federal or state insurance, tax, or securities laws or regulations, or a public ruling, private letter ruling, or any similar action by insurance, tax, or securities regulatory authorities; (c) an administrative or judicial decision in any relevant proceeding; (d) the manner in which the investments of the Trust are being managed; (e) a difference in voting instructions given by variable annuity and variable life insurance contract owners or by contract owners of different Participating Insurance Companies; or (f) a decision by a Participating Insurance Company to disregard voting instructions of Variable Contract owners.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2. The Company will report any potential or existing conflicts to the Board. The Company will be responsible for assisting the Board in carrying out its responsibilities under the Conditions set forth in the notice issued by the SEC for the Trust on May 11, 2007 (the "Notice") (Investment Company Act Release No. IC-27821), by providing the Board with all information reasonably necessary for it to consider any issues raised. This responsibility includes, but is not limited to, an obligation by the Company to inform the Board whenever Variable Contract owner voting instructions are disregarded by the Company. These responsibilities will be carried out with a view only to the interests of the Variable Contract owners.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.3. If a majority of the Trust's Trustees or a majority of its disinterested trustees ("Independent Trustees") determines that a material irreconcilable conflict exists, affecting the Company, the Company, at its expense and to the extent reasonably practicable (as determined by a majority of Independent Trustees), will take any steps necessary to remedy or eliminate the irreconcilable material conflict, which may include: (a) withdrawing the assets allocable to some or all of the Separate Accounts from the Trust or any Fund thereof and reinvesting those assets in a different investment medium, which may include another Fund of the Trust or another investment company, (b) submitting the question as to whether such segregation should be implemented to a vote of all affected Variable Contract owners and, as appropriate, segregating the assets of any appropriate group (i.e., Variable Contract owners of one or more Participating Insurance Companies) that votes in favor of such segregation, (c) offering to the affected Variable Contract owners the option of making such a change, and (d) establishing a new registered management investment company or managed separate account. If a material irreconcilable conflict arises because of the Company's decision to disregard Variable Contract owner voting instructions, and that decision represents a minority position or would preclude a majority vote, the Company may be required, at the election of the Trust, to withdraw its Separate Account's investment in the Trust, and no charge or penalty will be imposed as a result of such withdrawal. The responsibility to take such remedial action shall be carried out with a view only to the interests of the Variable Contract owners.

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For the purposes of this Section, a majority of the Independent Trustees shall determine whether or not any proposed action adequately remedies any material irreconcilable conflict, but in no event will the Trust be required to establish a new funding medium for any Variable Contract. Further, the Company shall not be required by this Section to establish a new funding medium for any Variable Contract if any offer to do so has been declined by a vote of a majority of Variable Contract owners materially affected by the irreconcilable material conflict.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.4. The Board's determination of the existence of a material irreconcilable conflict and its implications shall be made known promptly and in writing to the Company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.5. No less than annually, the Company shall submit to the Board such reports, materials or data as the Board may reasonably request so that the Board may fully carry out the obligations imposed upon it by these Conditions. Such reports, materials, and data shall be submitted more frequently if the Board deems appropriate.

Article VI. <u>VOTING</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.1. To the extent required by Section 12(d)(1)(E)(iii)(aa) of the 1940 Act or Rule 6e-2 or Rule 6e-3(T) thereunder, or other applicable law, whenever Trust shall have a meeting of shareholders of any series or class of shares, the Company shall:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Solicit voting instructions from Variable Contract owners;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Vote Trust shares held in each Separate Account at such shareholder meetings in accordance with instructions
received from Variable Contract owners;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Vote Trust shares held in each Separate Account for which it has not received timely instructions in the
same proportion as it votes the applicable series or class of Trust shares for which it has received timely instructions; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Vote Trust shares held in its general account in the same proportion as it votes the applicable series or
class of Trust shares held by the Separate Accounts for which it has received timely instructions.

Except with respect to matters as to which the Company has the right under Rule 6e-2 or Rule 6e-3(T) under the 1940 Act to vote Trust shares without regard to voting instructions from Variable Contract owners, neither the Company nor any of its affiliates will recommend action in connection with, or oppose or interfere with, the actions of the Trust Board to hold shareholder meetings for the purpose of obtaining approval or disapproval from shareholders (and, indirectly, from Variable Contract owners) of matters put before the shareholders or a vote recommended by Trust Board. The Company shall be responsible for assuring that it calculates voting instructions and votes Trust shares at shareholder meetings in a manner consistent with other Participating Insurance Companies. The Trust shall notify the Company of any changes to the Order or conditions. Notwithstanding the foregoing, the Company reserves the right to vote Trust shares held in any segregated asset account in its own right, to the extent permitted by law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.2. If and to the extent Rule 6e-2 and Rule 6e-3(T) are amended, or Rule 6e-3 is adopted, to provide exemptive relief from any provision of the 1940 Act or the rules thereunder

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with respect to mixed and shared funding on terms and conditions materially different from any exemptions granted in the Order, then the Trust and/or the Company, as appropriate, shall take such steps as may be necessary to comply with Rule 6e-2 and Rule 6e-3(T), as amended, and Rule 6e-3, as adopted, to the extent such Rules are applicable.

Article VII. CLIENT AND TRANSACTION INFORMATION.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7.1. <u>Agreement to Provide Information.</u> Company agrees to provide each Fund, upon written request (which may include electronic writings and facsimile transmissions, a "Request"), the taxpayer identification number (the "TIN"), the Individual/International Taxpayer Identification Number ("ITIN") or other government-issued identifier ("GII"), if known, of any or all Clients who have purchased, redeemed, transferred or exchanged Shares held through an Account with Company during the period covered by the Request and the amount, date, name or other identifier of any investment professionals associated with the Clients or Accounts (if known), and the transaction type (purchase, redemption, transfer or exchange) of every purchase, redemption, transfer or exchange of Shares.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) <u>Period</u> <u> </u> <u>Covered</u> <u> </u> <u>by</u> <u> </u> <u>Request.</u> Requests must set forth a
specific period, not to exceed 180 days from the date of the Request for which transaction information is sought. The Fund may request transaction information older than 180 days from the date of the Request as it deems necessary to investigate
compliance with policies established by the Fund for the purpose of eliminating or reducing any dilution of the value of its Shares.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) <u>Form and Timing of Response.</u> Company agrees to transmit the requested information that is on
Company's books and records to the Fund or its designee promptly, but in any event not later than 10 Business Days after receipt of a Request.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) <u>Limitations on Use of Information</u>. Distributor agrees, on behalf of itself and the Fund, not to use
the information received for marketing or any other similar purpose without Company's prior written consent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7.2. <u>Agreement to Restrict Trading.</u> Company agrees to execute a Request from the Fund to restrict or prohibit further purchases or exchanges of Shares by a Client that has been identified by the Fund as having engaged in transactions in Shares (directly or indirectly through an Account) that violate policies established by the Fund for the purpose of eliminating or reducing any dilution of the value of its Shares.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) <u>Form of Instructions</u>. Such Request must include the TIN, ITIN or GII if known, and the specific
restriction(s) to be executed. If the TIN, ITIN or GII is not known, the instructions must include an equivalent identifying number of the Clients or Accounts or other agreed upon information to which the instruction relates.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) <u>Timing</u> <u> </u> <u>of</u> <u> </u> <u>Response</u>. Company agrees to execute the Request as soon as
reasonably practicable, but not later than 10 Business Days after Company's receipt of the instructions.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) <u>Confirmation</u>. Company agrees to provide written confirmation to the Fund as soon as reasonably
practicable that the Request has been executed, but not later than 10 Business Days after the Request has been executed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7.3. <u>Share</u><u> </u><u>Holdings Through Indirect Intermediaries</u>. Company will use best efforts to determine, promptly upon the Request of the Fund, but not later than 10 Business Days after Company's receipt of the Request, whether any specific person or entity about whom the Fund has received information pursuant to Section 8(a) of this Agreement is an "indirect intermediary" as defined in Rule 22c-2 under the 1940 Act ("Indirect Intermediary") and, upon further Request from the Fund, promptly (but not later than five Business Days after receipt of such Request) either:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) provide (or arrange to have provided) the identification and transaction information set forth in
Section 7.1 of this Agreement regarding such persons who hold Shares through the Indirect Intermediary; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) restrict or prohibit the Indirect Intermediary from purchasing Shares on behalf of itself or other persons.
Company agrees to inform the Fund whether Company plans to perform (i) or (ii) above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7.4. To the extent practicable, the format for any transaction information provided to the Fund should be consistent with the NSCC Standardized Data Report Format, or any other format acceptable to the Fund.

Article VIII. <u>ANTI-MONEY</u> <u>LAUNDERING</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.1. The Company shall comply with all applicable laws and regulations designed to prevent money "laundering", and if required by such laws or regulations, to share with the Trust information about individuals, entities, organizations and countries suspected of possible terrorist or money "laundering" activities in accordance with Section 314(b) of the USA Patriot Act. In particular, the Company agrees that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) as part of processing an application for a Contract, it will verify the identity of applicants and, if an
applicant is not a natural person, will verify the identity of prospective principal and beneficial owners submitting an application for a Contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) as part of its ongoing compliance with the USA Patriot Act, it will, from time to time, reverify the
identity of Contract Owners, including the identity of principal and beneficial owners of Contracts held by non-natural persons;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) as part of processing an application for a Contract, it will verify that no applicant, including prospective
principal or beneficial Contract Owners, is a "specially designated national" or a person from an embargoed or "blocked" country as indicated by the Office of Foreign Asset Control ("OFAC") list of such persons;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) as part of its ongoing compliance with the USA Patriot Act, it will, from time to time, reverify that no
Contract Owner, including a principal or beneficial Contract

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Owners, is a "specially designated national" or a person from an embargoed or "blocked" country as indicated by the OFAC list of such persons;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) it will ensure that money tendered to the Trust as payment for Trust shares did not originate with a bank
lacking a physical place of business (i.e., a "shell" bank) or from a country or territory named on the list of high-risk or non-cooperating countries or jurisdictions published by the Financial
Action Task Force; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) if any of the foregoing cease to be true, the Trust or its agents, in compliance with the USA Patriot Act or
Bank Secrecy Act, may seek authority to block transactions in Account units arising from accounts of one or more such Contract Owners with the Company or of one or more of the Company's accounts with the Trust;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) The Trust and the Distributor shall comply with all applicable laws and regulations designed to prevent
money "laundering", and if required by such laws or regulations, to share with the Company information about individuals, entities, organizations and countries suspected of possible terrorist or money "laundering" activities
in accordance with Section 314(b) of the USA Patriot Act.

Article IX.<u> </u><u>INDEMNIFICATION</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.1. <u>Indemnification by the Company</u>. The Company agrees to indemnify and hold harmless the Trust, the Distributor and the Adviser and each of their Trustees, directors, officers, employees and agents and each person, if any, who controls the Trust, the Distributor or Adviser within the meaning of Section 15 of the 1933 Act (collectively, the "Indemnified Parties" for purposes of Sections 8.1 to 8.3) against any and all losses, claims, damages, liabilities (including amounts paid in settlement with the written consent of the Company, which consent shall not be unreasonably withheld) or litigation (including legal and other expenses), to which the Indemnified Parties may become subject, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Arise out of or are based upon any untrue statements or alleged untrue statements of any material fact
contained in the registration statement, prospectus, or sales literature for the Variable Contracts or contained in the Variable Contracts (or any amendment or supplement to any of the foregoing), or arise out of or are based upon the omission or
the alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein not misleading, provided that this agreement to indemnify shall not apply as to any Indemnified Party if such statement
or omission or such alleged statement or omission was made in reliance upon and in conformity with information furnished to the Company by or on behalf of the Trust for use in the registration statement, prospectus or sales literature for the
Variable Contracts or in the Variable Contracts (or any amendment or supplement) or otherwise for use in connection with the sale of the Variable Contracts or Fund shares;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Arise out of or as a result of statements or representations (other than statements or representations
contained in the registration statement, prospectus or sales

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literature of the Trust not supplied by the Company, or persons under its control) or wrongful conduct of the Company or any of its directors, officers, employees or agents, with respect to the sale or distribution of the Variable Contracts or Fund shares;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Arise out of any untrue statement or alleged untrue statement of a material fact contained in the registration
statement, prospectus or sales literature of the Trust or any amendment thereof or supplement thereto or the omission or alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein not
misleading if such statement or omission or such alleged statement or omission was made in reliance upon and in conformity with information furnished to the Trust for inclusion therein by or on behalf of the Company;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Arise as a result of any failure by the Company to substantially provide the services and furnish the materials
under the terms of this Agreement; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) Arise out of or result from any material breach of any representation and/or warranty made by the Company in
this Agreement or arise out of or result from any other material breach of this Agreement by the Company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.2. The Company shall not be liable under this indemnification provision with respect to any losses, claims, damages, liabilities or litigation incurred or assessed against an Indemnified Party as such may arise from such Indemnified Party's willful misfeasance, bad faith, or gross negligence in the performance of such Indemnified Party's duties or by reason of such Indemnified Party's reckless disregard of obligations or duties under this Agreement or to the Trust, whichever is applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.3. The Company shall not be liable under this indemnification provision with respect to any claim made against an Indemnified Party unless such Indemnified Party shall have notified the Company in writing within a reasonable time after the summons or other first legal process giving information of the nature of the claim shall have been served upon such Indemnified Party (or after such Indemnified Party shall have received notice of such service on any designated agent), but failure to notify the Company of any such claim shall not relieve the Company from any liability which it may have to the Indemnified Party against whom such action is brought otherwise than on account of this indemnification provision. In case any such action is brought against an Indemnified Party, the Company shall be entitled to participate at its own expense in the defense of such action.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.4. <u>Indemnification by the Adviser</u>. The Adviser agrees to indemnify and hold harmless the Company and each of its directors, officers, employees, and agents and each person, if any, who controls the Company within the meaning of Section 15 of the 1933 Act (collectively, the "Indemnified Parties" for the purposes of Sections 8.4 to 8.6) against any and all losses, claims, damages, liabilities (including amounts paid in settlement with the written consent of the Adviser which consent shall not be unreasonably withheld) or litigation (including legal and other expenses) to which the Indemnified Parties may become subject, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements:

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Arise out of or are based upon any untrue statement or alleged untrue statement of any material fact contained
in the registration statement, prospectus or sales literature of the Trust (or any amendment or supplement to any of the foregoing), or arise out of or are based upon the omission or the alleged omission to state therein a material fact required to
be stated therein or necessary to make the statements therein not misleading, provided that this agreement to indemnify shall not apply as to any Indemnified Party if such statement or omission or such alleged statement or omission was made in
reliance upon and in conformity with information furnished to the Adviser, the Distributor or the Trust by or on behalf of the Company for use in the registration statement or prospectus for the Trust or in sales literature (or any amendment or
supplement) or otherwise for use in connection with the sale of the Variable Contracts or Fund shares;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Arise out of or as a result of statements or representations (other than statements or representations
contained in the registration statement, prospectus or sales literature for the Variable Contracts not supplied by the Adviser or persons under its control) or wrongful conduct of the Trust, the Distributor or the Adviser or persons under their
control, with respect to the sale or distribution of the Variable Contracts or Fund shares;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Arise out of any untrue statement or alleged untrue statement of a material fact contained in the registration
statement, prospectus or sales literature covering the Variable Contracts, or any amendment thereof or supplement thereto, or the omission or alleged omission to state therein a material fact required to be stated therein or necessary to make the
statements therein not misleading, if such statement or omission or such alleged statement or omission was made in reliance upon and in conformity with information furnished to the Company for inclusion therein by or on behalf of the Trust;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Arise as a result of a failure by the Trust to substantially provide the services and furnish the materials
under the terms of this Agreement; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) Arise out of or result from any material breach of any representation and/or warranty made by the Adviser, the
Distributor or the Trust in this Agreement or arise out of or result from any other material breach of this Agreement by the Adviser, the Distributor or the Trust.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.5. The Adviser shall not be liable under this indemnification provision with respect to any losses, claims, damages, liabilities or litigation to which an Indemnified Party would otherwise be subject by reason of such Indemnified Party's willful misfeasance, bad faith, or gross negligence in the performance of such Indemnified Party's duties or by reason of such Indemnified Party's reckless disregard of obligations and duties under this Agreement or to the Company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.6. The Adviser shall not be liable under this indemnification provision with respect to any claim made against an Indemnified Party unless such Indemnified Party shall have notified the Adviser in writing within a reasonable time after the summons or other first legal

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process giving information of the nature of the claim shall have been served upon such Indemnified Party (or after such Indemnified Party shall have received notice of such service on any designated agent), but failure to notify the Adviser of any such claim shall not relieve the Adviser from any liability which it may have to the Indemnified Party against whom such action is brought otherwise than on account of this indemnification provision. In case any such action is brought against the Indemnified Parties, the Adviser shall be entitled to participate at its own expense in the defense thereof.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.7. The provisions of this Article IX shall survive the termination of this Agreement.

Article X. <u>TERM; TERMINATION</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.1. This Agreement shall be effective as of the date hereof and shall continue in force until terminated in accordance with the provisions herein.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.2. This Agreement shall terminate in accordance with the following provisions:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) At the option of the Company or the Trust at any time from the date hereof upon 180 days' notice, unless
a shorter time is agreed to by the parties;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) At the option of the Company, if Fund shares are not reasonably available to meet the requirements of the
Variable Contracts. Prompt notice of election to terminate shall be furnished by the Company. The termination will be effective ten days after receipt of notice unless the Trust makes available a sufficient number of Fund shares to reasonably meet
the requirements of the Variable Contracts within the ten-day period;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) At the option of the Company, upon the institution of formal proceedings against the Trust, the Distributor or
Adviser by the SEC, FINRA, or any other regulatory body, the expected or anticipated ruling, judgment or outcome of which would, in the Company's reasonable judgment, materially impair the Trust's, the Distributor's or the
Adviser's ability to meet and perform their respective obligations and duties hereunder. Prompt notice of election to terminate shall be furnished by the Company with said termination to be effective upon receipt of notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) At the option of the Trust, the Distributor or the Adviser, upon the institution of formal proceedings against
the Company by the SEC, FINRA, or any other regulatory body, the expected or anticipated ruling, judgment or outcome of which would, in Trust's reasonable judgment, materially impair the Company's ability to meet and perform its
obligations and duties hereunder. Prompt notice of election to terminate shall be furnished by Trust with said termination to be effective upon receipt of notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) At the option of the Company, in the event the Trust's shares are not registered, issued or sold in
accordance with applicable state or federal law, or such law precludes the use of such shares as the underlying investment medium of Variable

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Contracts issued or to be issued by the Company. Termination shall be effective immediately upon notice to the Trust;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) At the option of the Trust if the Variable Contracts cease to qualify as annuity contracts or life insurance
contracts, as applicable, under the Code, or if the Trust reasonably believes that the Variable Contracts may fail to so qualify. Termination shall be effective upon receipt of notice by the Company;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) At the option of the Company, upon the Trust's breach of any material provision of this Agreement, which
breach has not been cured to the satisfaction of the Company within ten days after written notice of such breach is delivered to the Trust;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(h) At the option of the Trust, upon the Company's breach of any material provision of this Agreement, which
breach has not been cured to the satisfaction of the Trust within ten days after written notice of such breach is delivered to the Company;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) At the option of the Trust, if the Variable Contracts are not registered, issued or sold in accordance with
applicable federal and/or state law. Termination shall be effective immediately upon such occurrence without notice to the Company;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(j) At the option of the Company in the event that any Fund ceases to qualify as a Regulated Investment Company
under Subchapter M of the Code or under any successor or similar provision, or if the Company reasonably believes that any Fund may fail to so qualify. Termination shall be effective immediately upon notice to the Trust;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(k) At the option of the Company in the event that any Fund fails to meet the diversification requirements
specified in Article II hereof or if the Company reasonably believes that any Fund may fail to meet such diversification requirements. Termination shall be effective immediately upon notice to the Trust; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(l) In the event this Agreement is assigned without the prior written consent of the Company, the Trust, the
Distributor and the Adviser, termination shall be effective immediately upon such occurrence without notice.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.3. Notwithstanding any termination of this Agreement pursuant to Section 10.2 hereof, the Trust shall, at the option of the Company, continue to make available additional Fund shares, as provided below, for so long as the Company desires pursuant to the terms and conditions of this Agreement, for all Variable Contracts in effect on the effective date of termination of this Agreement ("Existing Contracts"). Specifically, without limitation, if the Company so elects to make additional Fund shares available, the owners of the Existing Contracts or the Company, whichever shall have legal authority to do so, shall be permitted to reallocate investments in the Trust, redeem investments in the Trust and/or invest in the Trust upon the payment of additional premiums under the Existing Contracts. In the event of a termination of this Agreement, the Company, as promptly as is practicable under the

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circumstances, shall notify the Trust, the Distributor and the Adviser whether the Company elects to continue to make Fund shares available after such termination. If Fund shares continue to be made available after such termination, the provisions of this Agreement shall remain in effect.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.4. Except as necessary to implement Variable Contract owner initiated transactions, or as required by state insurance laws or regulations, the Company shall not redeem the shares attributable to the Variable Contracts (as opposed to the shares attributable to the Company's assets held in the Separate Accounts or invested directly), and the Company shall not prevent Variable Contract owners from allocating payments to a Fund that was otherwise available under the Variable Contracts, until thirty (30) days after the Company shall have notified the Trust of its intention to do so.

Article XI. <u>NOTICES</u>

Any notice that is required to be given by one party to the other under the terms of this Agreement shall be given in writing and delivered to the other party at the applicable address below, which may be changed by the parties by written notice to the other party in accordance with this Article X.

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| | |
|:---|:---|
| If to the Trust: | Lincoln Variable Insurance Products Trust |
|  | 150 N. Radnor Chester Road |
|  | Radnor, PA 19087 |
|  | Attn: Chief Counsel – Funds Management |
|  | Email: Ronald.holinsky@lfg.com |
| If to the Distributor: | Lincoln Financial Distributors, Inc. |
|  | 150 N. Radnor Chester Road |
|  | Radnor, PA 19087 |
|  | Attn: Legal Department |
| If to the Adviser: | Lincoln Investment Advisors Corporation |
|  | 150 N. Radnor Chester Road |
|  | Radnor, PA 19087 |
|  | Attn: Chief Counsel – Funds Management |
|  | Email: Ronald.holinsky@lfg.com |
| If to the Company: | Wilton Reassurance Life Company of New York |
|  | 320 Park Avenue |
|  | New York, NY 10022 |
|  | Attn: Legal Department |
|  | Email: john.mclean@mutualofamerica.com |

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Article XII. <u>MISCELLANEOUS</u>

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12.1. This Agreement may be executed simultaneously in two or more counterparts, each of which taken together shall constitute one and the same instrument.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12.2. If any provision of this Agreement shall be held or made invalid by a court decision, statute, rule or otherwise, the remainder of this Agreement shall not be affected thereby.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12.3. This Agreement shall be construed and the provisions hereof interpreted under and in accordance with the laws of the State of Delaware without regard to conflicts of laws principles thereof. It shall also be subject to the provisions of the federal securities laws and the rules and regulations thereunder and to any orders of the SEC granting exemptive relief therefrom and the conditions of such orders.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12.4. The parties agree that the assets and liabilities of each Fund are separate and distinct from the assets and liabilities of each other Fund. No Fund shall be liable or shall be charged for any debt, obligation or liability of any other Fund. No Trustee, officer or agent shall be personally liable for such debt, obligation or liability of any Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12.5. Each party shall cooperate with each other party and all appropriate governmental authorities (including without limitation the SEC, the FINRA and state insurance regulators) and shall permit such authorities reasonable access to its books and records in connection with any investigation or inquiry relating to this Agreement or the transactions contemplated hereby.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12.6. The rights, remedies and obligations contained in this Agreement are cumulative and are in addition to any and all rights, remedies and obligations, at law or in equity, which the parties hereto are entitled to under state and federal laws.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12.7. No provision of this Agreement may be amended or modified in any manner except by a written agreement properly authorized and executed by the Trust, the Distributor, the Adviser and the Company; provided, however, that the Adviser may from time to time update Exhibit A to this Agreement, with a copy to the Company in due course, to add a new Fund, delete an inactive or terminated Fund, or reflect the change of name of a Fund. The establishment by the Company of an account in any Fund, whether or not as yet reflected on an updated Exhibit A, shall constitute the agreement by the Company and the Trust, the Distributor and the Adviser to be bound by the provisions of this Agreement with respect to that Fund.

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**IN WITNESS WHEREOF**, the parties have caused their duly authorized officers to execute this Fund Participation Agreement as of the date and year first above written.

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| | | | |
|:---|:---|:---|:---|
| **LINCOLN VARIABLE INSURANCE PRODUCTS TRUST** | **LINCOLN VARIABLE INSURANCE PRODUCTS TRUST** | **LINCOLN FINANCIAL INVESTMENTS CORPORATION** | **LINCOLN FINANCIAL INVESTMENTS CORPORATION** |
| By: | /s/ Benjamin Richer | By: | /s/ Benjamin Richer |
| Name: | Benjamin Richer | Name: | Benjamin Richer |
| Title: | SVP, Head of Funds Management | Title: | SVP, Head of Funds Management |

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| | | | |
|:---|:---|:---|:---|
| **LINCOLN FINANCIAL DISTRIBUTORS, INC.** | **LINCOLN FINANCIAL DISTRIBUTORS, INC.** | **WILTON REASSURANCE LIFE COMPANY OF NEW YORK** | **WILTON REASSURANCE LIFE COMPANY OF NEW YORK** |
|  |  | Signed by Designated Authority, | Signed by Designated Authority, |
| By: | /s/ Thomas O'Neill | By: | /s/ Aferdita Gutierrez |
| Name: | Thomas O'Neill | Name: | Aferdita Gutierrez |
| Title: | SVP | Title: | Executive Vice President, Mutual of America Life Insurance Company |

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**Exhibit A** 

The currently available Funds of the Trust are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. LVIP American Century Balanced Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. LVIP American Century Capital Appreciation Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. LVIP American Century Disciplined Core Value Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. LVIP American Century Inflation Protection Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. LVIP American Century International Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. LVIP American Century Large Company Value Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. LVIP American Century Mid Cap Value Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. LVIP American Century Ultra Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. LVIP American Century Value Fund

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**Exhibit B** 

**Separate Accounts of the Company Subject to this Agreement** 

The following separate accounts registered under the 1940 Act as unit investment trusts:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• American Separate Account No.2

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• American Separate Account No.3

**Variable Annuity Contracts and Variable Life Insurance Policies Subject to this Agreement:** 

All of the variable annuity contracts and variable life insurance policies offered through the separate accounts of the Company listed above.

## Ex-99.(H)(33)

**First Amendment to Fund Participation** 

**Agreement** 

This First Amendment (the "Amendment"), by and among Lincoln Variable Insurance Products Trust, a Delaware statutory trust ("Trust"), on its behalf and on behalf of its investment series set forth in Exhibit A (each, a "Fund"), Lincoln Financial Investments, a Tennessee corporation ("Adviser"), Lincoln Financial Distributors, Inc., a Connecticut corporation ("Distributor"), and Wilton Reassurance Life Company of New York (f/k/a Allstate Life Insurance Company of New York) ("Company"), a life insurance company organized under the laws of the State of New York, is effective as of April 27, 2026 (the "Effective Date").

WHEREAS, the parties hereto entered into the Fund Participation Agreement ("FPA"), executed and effective as of April 29, 2024, as amended;

WHEREAS, the parties desire to amend the Agreement to permit the separate accounts to invest in additional funds; and

NOW, THEREFORE, in consideration of the promises and mutual covenants hereinafter contained, the parties, intending to be legally bound, agree as follows:

1. Exhibit A shall be deleted in its entirety and replaced with Exhibit A attached hereto.

2. Unless otherwise defined in this Amendment, all terms used herein shall have the meanings they were ascribed in
the Agreement.

3. All other terms and conditions of the Agreement remain in effect and are hereby incorporated herein by
reference.

4. This Amendment may be executed in counterparts, each of which shall be deemed to be an original.

IN WITNESS WHEREOF, each of the parties hereto has caused this Amendment to be executed by its duly authorized representative as of the Effective Date.

Lincoln Variable Insurance Lincoln Financial Investments <br> Products Trust Corporation

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp; By: /s/ Jennifer Matthews  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; By: /s/ Jennifer Matthews<u> </u> |
| &nbsp;&nbsp;&nbsp; Name: Jennifer Matthews  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Name: Jennifer Matthews<u> </u> |
| &nbsp;&nbsp;&nbsp; Title: Vice President<u> </u> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Title: Vice President<u> </u> |
| &nbsp;&nbsp;&nbsp; Date: 3/4/26  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Date: 3/4/26<u> </u> |

---

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp; Lincoln Financial Distributors, Inc. | &nbsp;&nbsp;&nbsp; Wilton Reassurance Life Company of |
|  | &nbsp;&nbsp;&nbsp; New York. |
| &nbsp;&nbsp;&nbsp; By: /s/ Michael Herron<u> </u> | &nbsp;&nbsp;&nbsp; By: /s/ Brent McGroarty  |
| &nbsp;&nbsp;&nbsp; Name: Michael Herron<u> </u> | &nbsp;&nbsp;&nbsp; Name: Brent McGroarty  |
| &nbsp;&nbsp;&nbsp; Title: VP Sales Operations<u> </u> | &nbsp;&nbsp;&nbsp; Title: SVP, Chief Operating Officer  |
| &nbsp;&nbsp;&nbsp; Date: 3/4/26<u> </u> | &nbsp;&nbsp;&nbsp; Date: 3/4/26  |

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**Exhibit A** 

**Funds** 

**Dated as of April 27, 2026** 

All Funds of the Trust that are available and open to new investors on or after the Effective Date of this Agreement.

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**Exhibit B** 

**Separate Accounts of the Company Registered Under the 1940 Act as Unit Investment Trusts** 

American Separate Account No. 2

American Separate Account No. 3

Wilton Reassurance Life Co of New York Variable Life Separate Account A

Wilton Reassurance Life Co of New York Separate Account A

**Variable Annuity Contracts and Variable Life Insurance Contracts Registered Under the Securities Act of 1933** 

All of the variable annuity contracts and variable life insurance policies offered through the separate accounts of the Company listed above.

## Ex-99.(N)(1)

**CONSENT OF INDEPENDENT AUDITORS** 

We consent to the incorporation by reference in this Post-Effective Amendment to Registration Statement No. 333-260640 on Form N-6 of our report dated April 9, 2026, relating to the statutory-basis financial statements of Wilton Reassurance Life Company of New York, appearing in Post-Effective Amendment to Registration Statement No. 333-278375 on Form N-4 of Wilton Reassurance Life Company of New York. We also consent to the reference to us under the heading "Experts" in the Statement of Additional Information, which is part of such Registration Statement.

/s/ DELOITTE & TOUCHE LLP

Stamford, Connecticut

April 28, 2026

## Ex-99.(N)(2)

**CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM** 

We consent to the use in this Post-Effective Amendment to Registration Statement No. 333-260640 on Form N-6 of our report dated April 7, 2026, relating to the financial statements and financial highlights of each of the sub-accounts of Wilton Reassurance Life Co of New York Variable Life Separate Account A, appearing in the Statement of Additional Information, which is part of such Registration Statement. We also consent to the reference to us under the heading "Experts" in the Statement of Additional Information, which is part of such Registration Statement.

/s/ DELOITTE & TOUCHE LLP

Stamford, Connecticut

April 28, 2026