# EDGAR Filing Document

**Accession Number:** 0000859607
**File Stem:** 0001164098-26-001342
**Filing Date:** 2026-5
**Character Count:** 38745
**Document Hash:** 2c0e0d7257ffa2b130b24491a5988843
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001164098-26-001342.hdr.sgml**: 20260506

**ACCESSION NUMBER**: 0001164098-26-001342

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260506

**DATE AS OF CHANGE**: 20260506

**EFFECTIVENESS DATE**: 20260506

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SEPARATE ACCOUNT VA B
- **CENTRAL INDEX KEY:** 0000859607

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-187911
- **FILM NUMBER:** 26947828

**BUSINESS ADDRESS:**
- **STREET 1:** 6400 C STREET SW
- **CITY:** CEDAR RAPIDS
- **STATE:** IA
- **ZIP:** 52499
- **BUSINESS PHONE:** 319-355-8366

**MAIL ADDRESS:**
- **STREET 1:** 6400 C STREET SW
- **CITY:** CEDAR RAPIDS
- **STATE:** IA
- **ZIP:** 52499

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** PFL ENDEAVOR VARIABLE ANNUITY ACCOUNT /NEW/
- **DATE OF NAME CHANGE:** 19920703

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** NN ENDEAVOR VARIABLE ANNUITY ACCOUNT
- **DATE OF NAME CHANGE:** 19910331

## Series and Classes Contracts Data

### SEPARATE ACCOUNT VA B (Series ID: S000006417)

| Class ID   | Class Name                            | Ticker Symbol   |
|:---|:---|:---|
| C000127972 | Transamerica Liberty Variable Annuity |  |

**TRANSAMERICA LIBERTY**<sup>SM</sup> **VARIABLE ANNUITY**

**Issued through**

Transamerica Life Insurance Company

Separate Account VA B

**Updating Summary Prospectus**

**May 1, 2026**

This Updating Summary Prospectus summarizes certain key features of the Transamerica Liberty<sup>SM</sup> Variable Annuity variable annuity <u>Policy</u> ("the Policy"). The Updating Summary Prospectus also provides a summary of Policy features that have changed.

The prospectus for the Policy contains more information about the Policy, including its features, benefits, and risks. You can find the prospectus and other information about the Policy online at Transamerica.com. You can also obtain this information at no cost by calling (800)525-6205, or You can also request this information from Your registered representative.

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

You do have the option of continuing to receive paper copies of all future shareholder reports free of charge. If You'd like this option, give us a call at (800)525-6205, Monday through Thursday 8 - 6:30, or Friday 8 - 5:30 ET.

Your election to receive reports in paper will apply to all Portfolio Companies available under Your Policy.

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**TABLE OF CONTENTS**

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

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| | |
|:---|:---|
| **[special TERMS](#xx_f35a0943-3274-426c-9436-1de1853194ab_1)_____________________________________________________________________** | **1**  |
| **[summary of policy features that have changed](#xx_f35a0943-3274-426c-9436-1de1853194ab_1)_____________________________________** | **1**  |
| **[important INFORMATION you should consider about the policy](#xx_36809e04-f872-4689-8e39-114e4597b504_1)_______________________** | **2**  |
| ***[APPENDIX](#xx_7598329d-7625-4a9b-a224-3a67d017ea08_1)*** |  |
| **[investment options AVAILABLE UNDER THE POLICY](#xx_7598329d-7625-4a9b-a224-3a67d017ea08_1)__________________________________** | **6**  |

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ii

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**special TERMS**

**Administrative Office -** Transamerica Life Insurance Company, Attention: Customer Care Group, 6400 C Street SW, Cedar Rapids, IA 52499, (800)525-6205.

**Annuitant -** The person on whose life any annuity payments involving life contingencies will be based.

**Annuity Commencement Date -** The date upon which annuity payments are to commence.

**Excess Interest Adjustment -** A positive or negative adjustment to amounts paid out or transferred from the Fixed Account Guaranteed Period Options prior to the end of the guaranteed period. The adjustment reflects changes in the interest rates declared by the Company since the date any payment was received by, or an amount was transferred to, the <u>Guaranteed Period Option</u>. The Excess Interest Adjustment can either decrease or increase the amount to be received by the Owner upon withdrawals, surrenders or commencement of annuity payments, depending upon whether there has been an increase or decrease in interest rates, respectively. The Excess Interest Adjustment will not decrease the interest credited to Your Policy below the guaranteed minimum.

**Fixed Account -** One or more <u>Investment Options</u> under the Policy that are part of the Company's general assets and are not in the Separate Account.

**Guaranteed Period Options -** The various guaranteed interest rate periods of the <u>Fixed Account</u> which the Company may offer and into which premium payments may be paid or amounts transferred.

**Investment Option(s)** - The <u>Subaccounts</u> and the <u>Fixed Account</u>.

**Owner (You, Your) -** The person who may exercise all rights and privileges under the Policy.

**Policy -** The Transamerica Liberty<sup>SM</sup> Variable Annuity, an individual deferred, flexible premium variable annuity. Also referred to as the contract.

**Policy Date -** The date shown on the Policy data page attached to the Policy and the date on which the Policy becomes effective.

**Policy Value -** On or before the Annuity Commencement Date, the Policy Value is equal to the Owner's:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● premium payments; minus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● gross withdrawals (withdrawals plus or minus <u>Excess Interest Adjustment</u> plus the surrender charge on the portion of the requested withdrawal that is subject to the surrender charge plus taxes (on the withdrawal)); plus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● interest credited in the Fixed Account; plus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● accumulated gains in the Separate Account; minus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● accumulated losses in the Separate Account; minus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● service charges, rider fees, premium taxes, transfer fees, and other charges, if any.

**Policy Year -** A Policy Year begins on the <u>Policy Date</u> and on each anniversary thereafter.

**Separate Account Value -** The portion of the Policy Value that is invested in the Separate Account.

**Subaccount -** A subdivision within the Separate Account, the assets of which are invested in a specified <u>Underlying Fund Portfolio</u>.

**summary of policy features that have changed**

The information in this Updating Summary Prospectus is a summary of certain <u>Policy</u> features that have changed since the last current Prospectus. This may not reflect all of the changes that have occurred since <u>You</u> entered into Your Policy.

● For changes in the names of certain portfolios and/or Advisers/Subadvisors please refer to the <u>Appendix - Investment Options Available Under the Policy</u>.

● For updated portfolio expense information please refer to <u>Important Information You Should Consider About This Policy</u> and the <u>Appendix - Investment Options Available Under the Policy</u>.

● For updated portfolio performance information please refer to the <u>Appendix - Investment Options Available Under the Policy</u>.

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**important INFORMATION you should consider about the policy** 

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| | | |
|:---|:---|:---|
|  | **FEES AND EXPENSES** | &nbsp;&nbsp; **Location in**<br> **Prospectus**<br>|
| **Are There Charges for** <br> **Early Withdrawal?**<br>| &nbsp;&nbsp; **Yes.** If <u>You</u> withdraw money during a specified number of <u>Policy Years</u> <br> following each premium payment being withdrawn, You may be assessed a <br> surrender charge. The surrender charge is assessed for 4 years with a <br> maximum of 8%.<br> For example, if You make an early withdrawal, You could pay a surrender <br> charge on a $100,000 investment of up to $8,000. | &nbsp;&nbsp; **<u>Annuity Policy Fee</u>** <br> **<u>Tables and Expense</u>** <br> **<u>Examples</u>**<br> **<u>Transaction Expenses</u>** <br> **<u>–</u> <u>Surrender Charges</u>**<br> **<u>Access to Your Money</u>** <br> **<u>-Surrenders</u>**<br>|
| **Are There Transaction** <br> **Charges?**<br>| &nbsp;&nbsp; **Yes.** In addition to surrender charges, You also may be assessed a transfer <br> fee and special services fee.<br> *Transfer Fee*. We reserve the right to charge for transfers among <u>Investment</u> <br> <u>Options</u> after the first 12 transfers per Policy Year. For each such <br> additional transfer, we may impose a transfer fee of $10. Currently, we do <br> not charge a transfer fee, but reserve the right to do so.<br> *Special Service Fee*. We reserve the right to deduct a $50 charge for special <br> services, including overnight delivery, duplicate policies, handling <br> insufficient checks on new business, duplicate Form 1099 and Form 5498 <br> tax forms, check copies, printing and mailing previously submitted forms, <br> and asset verification requests from mortgage companies. | &nbsp;&nbsp; **<u>Annuity Policy Fee</u>** <br> **<u>Tables and Expense</u>** <br> **<u>Examples</u>**<br> **<u>Expenses</u> <u>–</u>** <br> **<u>Transaction Expenses</u>**<br>|

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&nbsp;&nbsp;&nbsp;&nbsp;**FEES AND EXPENSES** **Location in** **Prospectus** 

&nbsp;&nbsp;&nbsp;&nbsp;**RISKS** **Location in** **Prospectus** 

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&nbsp;&nbsp;&nbsp;&nbsp;**RISKS** **Location in** **Prospectus** 

&nbsp;&nbsp;&nbsp;&nbsp;**RESTRICTIONS** **Location in** **Prospectus** 

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&nbsp;&nbsp;&nbsp;&nbsp;**TAXES** **Location in** **Prospectus** 

&nbsp;&nbsp;&nbsp;&nbsp;**CONFLICT OF INTEREST** **Location in** **Prospectus** 

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***APPENDIX***

**investment options AVAILABLE UNDER THE POLICY**

The following is a list of current Portfolio Companies available under the Policy, which are subject to change as discussed in this prospectus. Depending on the optional benefits you choose, you may not be able to invest in certain Portfolio Companies.

Certain Subaccounts may not be available in all states, at all times or through all financial intermediaries. We may discontinue offering any Subaccount at any time. In some cases, a Subaccount not available through a financial intermediary may be obtained by contacting us directly. For more information on the options available for electing a Subaccount, please contact our Administrative Office.

More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at http://dfinview.com/Transamerica/TAHD/89353N402?site=VAVUL. You can also request this information at no cost by calling our <u>Administrative Office</u> at (800)525-6205.

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

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **Investment Objective** | **Underlying Fund Portfolios and Advisers/Sub-adviser** | **Current Expenses** | **Platform Charges** | **Current Expenses Plus Platform Charges** | **1 year** | **5 years** | **10 years** |
| To maximize total return consistent with the Adviser's determination of reasonable risk. | AB Balanced Hedged Allocation Portfolio - Class B<br>Advised by: AllianceBernstein L.P. | 0.99% | 0.20% | 1.19% | 17.36% | 5.64% | 6.74% |
| Long-term growth of capital. | AB Relative Value Portfolio - Class B<br>Advised by: AllianceBernstein L.P. | 0.86% |  | 0.85% | 10.20% | 11.15% | 10.30% |
| To provide high total return (including income and capital gains) consistent with preservation of capital over the long term. | American Funds Insurance Series® - Asset Allocation Fund - Class 2<br>Advised by: Capital Research and Management Company | 0.54% | 0.30% | 0.84% | 26.77% | 3.40% | 7.00% |
| To provide growth of capital. | American Funds Insurance Series® - Growth Fund - Class 2<br>Advised by: Capital Research and Management Company | 0.58% | 0.30% | 0.88% | 17.21% | 13.89% | 12.36% |
| To achieve long-term growth of capital and income. | American Funds Insurance Series® - Growth-Income Fund - Class 2<br>Advised by: Capital Research and Management Company | 0.53% | 0.30% | 0.83% | 20.41% | 9.08% | 7.59% |
| To provide long-term growth of capital. | American Funds Insurance Series® - EUPAC Fund - Class 2<br>Advised by: Capital Research and Management Company<sup>TM</sup> | 0.78% | 0.30% | 1.08% | 15.85% | 8.97% | 9.77% |
| To provide as high a level of current income as is consistent with the preservation of capital. | American Funds - The Bond Fund of America® - Class 2<br>Advised by: Capital Research and Management Company | 0.63% | 0.30% | 0.93% | 8.24% | 5.60% | 6.96% |
| Seeks income and capital growth consistent with reasonable risk. | Fidelity® VIP Balanced Portfolio - Service 2<br>Advised by: Fidelity Management & Research Company LLC | 0.66% |  | 0.66% | 14.96% | 9.24% | 10.84% |
| Seeks long-term capital appreciation. | Fidelity® VIP Contrafund® Portfolio - Service 2<br>Advised by: Fidelity Management & Research Company LLC | 0.79% |  | 0.79% | 21.24% | 15.08% | 15.49% |

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**investment options AVAILABLE UNDER THE POLICY — (Continued)**

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **Investment Objective** | **Underlying Fund Portfolios and Advisers/Sub-adviser** | **Current Expenses** | **Platform Charges** | **Current Expenses Plus Platform Charges** | **1 year** | **5 years** | **10 years** |
| Seeks long-term growth of capital. | Fidelity® VIP Mid Cap Portfolio - Service 2<br>Advised by: Fidelity Management & Research Company LLC | 0.80% |  | 0.80% | 11.49% | 9.83% | 10.31% |
| Seeks capital appreciation. | Fidelity® VIP Value Strategies Portfolio - Service 2<br>Advised by: Fidelity Management & Research Company LLC | 0.84% |  | 0.84% | 7.70% | 11.87% | 10.54% |
| To seek the highest total return, composed of current income and capital appreciation, as is consistent with prudent investment risk. | State Street Total Return V.I.S. Fund - Class 3<br>Advised by: State Street Investment Management | 0.95% | 0.20% | 1.15% | 15.48% | 6.85% | 6.91% |
| To seek long-term capital appreciation and current income. | Transamerica 60/40 Allocation VP - Service<br>Advised by: Aegon Asset Management UK plc ("AAM") | 0.87% |  | 0.87% | 14.90% | 7.88% | 7.97% |
| To seek to provide high total return through a combination of current income and capital appreciation. | Transamerica Aegon Bond VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Management, LLC | 0.78% |  | 0.78% | 6.78% | -0.60% | 1.82% |
| To seek to achieve maximum total return. | Transamerica Aegon Core Bond VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Management, LLC | 0.73% |  | 0.73% | 6.73% | -0.38% | 1.84% |
| To seek a high level of current income by investing in high-yield debt securities. | Transamerica Aegon High Yield Bond VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Management, LLC | 0.89% |  | 0.89% | 8.27% | 3.89% | 5.64% |
| To seek total return gained from the combination of dividend yield, growth of dividends and capital appreciation. | Transamerica Aegon Sustainable Equity Income VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Management UK plc | 0.97% |  | 0.97% | 10.99% | 8.11% | 7.08% |
| To seek to provide as high a level of total return as is consistent with prudent investment strategies. | Transamerica Aegon U.S. Government Securities VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Management, LLC | 0.84% |  | 0.84% | 5.56% | -1.52% | 0.94% |
| To seek total return (including income and capital gains) consistent with preservation of capital over the long term while seeking to manage volatility and provide downside protection. | Transamerica American Funds Managed Risk VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Milliman Financial Risk Managment LLC | 1.10% |  | 1.10% | 17.88% | 14.42% | 14.82% |
| To seek as high a level of current income as is consistent with preservation of capital and liquidity. | Transamerica BlackRock Government Money Market VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.54% |  | 0.54% | 3.81% | 2.91% | 1.72% |
| To seek current income and preservation of capital. | Transamerica BlackRock iShares Active Asset Allocation - Conservative VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.93% |  | 0.93% | 8.65% | 2.65% | 4.17% |

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**investment options AVAILABLE UNDER THE POLICY — (Continued)**

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **Investment Objective** | **Underlying Fund Portfolios and Advisers/Sub-adviser** | **Current Expenses** | **Current Expenses Plus Platform Charges** | **1 year** | **5 years** | **10 years** |
| To seek capital appreciation with current income as a secondary objective. | Transamerica BlackRock iShares Active Asset Allocation - Moderate Growth VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.94% | 0.94% | 10.64% | 5.18% | 4.94% |
| To seek capital appreciation and current income. | Transamerica BlackRock iShares Active Asset Allocation - Moderate VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.90% | 0.90% | 9.50% | 3.98% | 4.66% |
| To seek capital appreciation and income. | Transamerica BlackRock iShares Dynamic Allocation - Balanced - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.91% | 0.91% | 9.42% | 4.24% | 4.19% |
| To seek capital appreciation and income. | Transamerica BlackRock iShares Dynamic Allocation - Moderate Growth VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.90% | 0.90% | 10.35% | 6.72% | 5.38% |
| To seek long-term capital appreciation and capital preservation. | Transamerica BlackRock iShares Edge 40 VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.71% | 0.71% | 11.42% | 3.21% | 4.65% |
| To seek long-term capital appreciation and capital preservation. | Transamerica BlackRock iShares Edge 50 VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.69% | 0.69% | 12.35% | 4.14% | 5.95% |
| To seek long-term capital appreciation with capital preservation as a secondary objective. | Transamerica BlackRock iShares Edge 75 VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.75% | 0.75% | 15.47% | 6.70% | 8.14% |
| To seek long-term capital appreciation. | Transamerica BlackRock iShares Edge 100 VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.80% | 0.80% | 18.54% | 9.24% | 10.39% |
| To seek a combination of capital appreciation and income. | Transamerica BlackRock iShares Tactical - Balanced VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.92% | 0.92% | 13.00% | 3.04% | 5.22% |
| To seek a combination of capital appreciation and income. | Transamerica BlackRock iShares Tactical - Growth VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.95% | 0.95% | 15.58% | 5.65% | 6.85% |

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**investment options AVAILABLE UNDER THE POLICY — (Continued)**

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **Investment Objective** | **Underlying Fund Portfolios and Advisers/Sub-adviser** | **Current Expenses** | **Current Expenses Plus Platform Charges** | **1 year** | **5 years** | **10 years** |
| To seek to maximize total return. | Transamerica BlackRock Real Estate Securities VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 1.11% | 1.11% | 9.32% | 2.41% | 3.41% |
| To seek capital appreciation with current income as a secondary objective. | Transamerica BlackRock Tactical Allocation VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.97% | 0.97% | 11.72% | 5.42% | 6.81% |
| To seek to balance capital appreciation and income. | Transamerica Goldman Sachs Managed Risk - Balanced ETF VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Goldman Sachs Asset Management, L.P. | 0.63% | 0.63% | 10.77% | 5.10% | 5.67% |
| To seek capital appreciation as a primary objective and income as a secondary objective. | Transamerica Goldman Sachs Managed Risk - Growth ETF VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Goldman Sachs Asset Management, L.P. | 0.66% | 0.66% | 12.27% | 7.84% | 7.65% |
| To seek long-term capital appreciation. | Transamerica Great Lakes Advisors Large Cap Value VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Great Lakes Advisors, LLC | 0.94% | 0.94% | 23.65% | 14.52% | 9.31% |
| To seek long-term capital appreciation. | Transamerica International Focus VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Sands Capital Management, LLC | 1.08% | 1.08% | 6.24% | 0.74% | 5.19% |
| To seek long-term capital growth, consistent with preservation of capital and balanced by current income. | Transamerica Janus Balanced VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Janus Henderson Investors US LLC | 0.99% | 0.99% | 13.46% | 7.57% | 9.31% |
| To seek long-term capital appreciation. | Transamerica Janus Mid-Cap Growth VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Janus Henderson Investors US LLC | 1.09% | 1.09% | 7.85% | 6.91% | 10.87% |
| To seek current income and preservation of capital. | Transamerica JPMorgan Asset Allocation - Conservative VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: J.P. Morgan Investment Management, Inc. | 0.96% | 0.96% | 10.36% | 2.09% | 4.64% |
| To seek capital appreciation with current income as a secondary objective. | Transamerica JPMorgan Asset Allocation - Moderate Growth VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: J.P. Morgan Investment Management, Inc. | 1.02% | 1.02% | 12.84% | 5.57% | 7.80% |

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**investment options AVAILABLE UNDER THE POLICY — (Continued)**

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **Investment Objective** | **Underlying Fund Portfolios and Advisers/Sub-adviser** | **Current Expenses** | **Platform Charges** | **Current Expenses Plus Platform Charges** | **1 year** | **5 years** | **10 years** |
| To seek capital appreciation and current income. | Transamerica JPMorgan Asset Allocation - Moderate VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: J.P. Morgan Investment Management, Inc. | 0.97% |  | 0.97% | 11.54% | 3.59% | 6.05% |
| To seek capital appreciation with current income as a secondary objective. | Transamerica JPMorgan Asset Allocation - Moderate Growth VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: J.P. Morgan Investment Management, Inc. | 1.02% |  | 1.02% | 12.84% | 5.57% | 7.80% |
| To seek to earn a total return modestly in excess of the total return performance of the S&P 500® Index while maintaining a volatility of return similar to the S&P 500® Index. | Transamerica JPMorgan Enhanced Index VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: J.P. Morgan Investment Management, Inc. | 0.86% |  | 0.86% | 15.90% | 14.10% | 14.32% |
| To seek capital appreciation with current income as a secondary objective. | Transamerica JPMorgan International Moderate Growth VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: J.P. Morgan Investment Management, Inc. | 1.12% |  | 1.12% | 17.67% | 3.25% | 5.51% |
| To seek current income and preservation of capital. | Transamerica JPMorgan Tactical Allocation VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: J.P. Morgan Investment Management, Inc. | 1.05% |  | 1.05% | 8.83% | 1.80% | 4.15% |
| To seek high total return through the combination of income and capital appreciation. | Transamerica Madison Diversified Income VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Madison Asset Management, LLC | 1.09% |  | 1.09% | 7.22% | 2.20% | 4.86% |
| To seek capital appreciation. | Transamerica Market Participation Strategy VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: PGIM Quantitative Solutions LLC | 0.98% |  | 0.98% | 10.02% | 6.46% | 8.15% |
| Seeks to provide capital appreciation and<br>income while seeking to manage volatility. | Transamerica Morgan Stanley Global Allocation Managed Risk - Balanced VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Milliman Financial Risk Managment LLC | 1.24% |  | 1.24% | 14.21% | 3.27% | 4.10% |
| To seek high total return. | Transamerica Morgan Stanley Global Allocation VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Morgan Stanley Investment Management Inc. | 1.03% |  | 1.03% | 17.51% | 4.90% | 6.86% |
| Seeks to track the investment results of an index composed of large- and mid-capitalization developed market equities, excluding the U.S. and Canada. | Transamerica MSCI EAFE Index VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: SSGA Funds Management, Inc. | 0.62% | 0.15% | 0.77% | 30.93% | 8.53% | 7.55% |
| To seek to provide a high total investment return through investments in a broadly diversified portfolio of stocks, bonds and money market instruments. | Transamerica Multi-Managed Balanced VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Mangement, Inc. | 0.89% |  | 0.89% | 12.73% | 8.34% | 9.46% |

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**investment options AVAILABLE UNDER THE POLICY — (Continued)**

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **Investment Objective** | **Underlying Fund Portfolios and Advisers/Sub-adviser** | **Current Expenses** | **Platform Charges** | **Current Expenses Plus Platform Charges** | **1 year** | **5 years** | **10 years** |
| To seek maximum real return, consistent with appreciation of capital. | Transamerica PineBridge Inflation Opportunities VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: PineBridge Investments LLC | 0.81% |  | 0.81% | 5.35% | 0.99% | 2.68% |
| To seek to provide investment results that, before expenses, correspond generally to the price and yield performance of the S&P 500® Index. | Transamerica S&P 500 Index VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: SSGA Funds Management, Inc. | 0.38% | 0.15% | 0.53% | 17.37% | 13.95% | 14.32% |
| To seek to maximize total return. | Transamerica Small/Mid Cap Value VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Systematic Financial Management, L.P. | 1.06% |  | 1.06% | 9.51% | 9.29% | 9.53% |
| To seek long-term growth of capital by investing primarily in common stocks of small growth companies. | Transamerica T. Rowe Price Small Cap VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: T. Rowe Price Associates, Inc. | 1.08% |  | 1.08% | 9.93% | 5.17% | 10.18% |
| To seek maximum long-term total return, consistent with reasonable risk to principal, by investing in a diversified portfolio of common stocks of primarily non-U.S. issuers. | Transamerica TSW International Equity VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Thompson, Siegel & Walmsley LLC | 1.11% |  | 1.11% | 31.42% | 8.58% | 7.27% |
| To seek to provide investors with long-term capital growth. | Transamerica TSW Mid Cap Value Opportunities VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Thompson, Siegel & Walmsley LLC | 1.01% |  | 1.01% | 9.36% | 9.05% | 8.36% |
| Seeks to maximize long-term growth | Transamerica WMC US Growth VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Wellington Management Company LLP | 0.89% |  | 0.89% | 17.47% | 12.05% | 16.13% |

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(1) Some <u>Subaccounts</u> may be available for certain policies and may not be available for all policies. You should decide which Subaccount(s) may be appropriate for You based on a thorough analysis of Your particular insurance needs, financial objective, investment goals, time horizons, and risk tolerance.

<sup>(2)</sup>

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

(3) Effective May 1, 2026, the American Funds Insurance Series -International Fund has been renamed to the American Funds Insurance Series - EUPAC Fund.

**NOTE:** All underlying fund portfolios in the Transamerica Series Trust are advised by Transamerica Asset Management. The entities listed are the sub-advisors unless otherwise indicated.

**Fixed Options**

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

Depending on the optional benefits you choose, you may not be able to invest in certain Investment Options, as noted below.

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**investment options AVAILABLE UNDER THE POLICY — (Continued)**

**Note: If amounts are withdrawn from a Fixed Option before the end of its term, we may apply a Contract Adjustment. This may result in a significant reduction in your Contract value.**

**Fixed Account Guaranteed Minimum Interest Rate** 

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| | | |
|:---|:---|:---|
| **Name** | **Term** | **Minimum Guaranteed Interest Rate** |
| Traditional DCA<sup>1</sup> <br>| &nbsp;&nbsp;&nbsp;&nbsp; Minimum: 6 months/4 <br> quartersMaximum: 24 months/8 <br> quarters<br>| 1.50% |
| 1 Year Guaranteed Period Option<sup>2,4,5</sup> <br>| 1 year | 1.50% |
| 3 Year Guaranteed Period Option<sup>2,3,5</sup> <br>| 3 years | 1.50% |
| 5 Year Guaranteed Period Option<sup>2,3,5</sup> <br>| 5 years | 1.50% |
| 7 Year Guaranteed Period Option<sup>2,3,5</sup> <br>| 7 years | 1.50% |

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<sup>(1)</sup> For Washington policies issued after 1/21/2008, 6 month DCA only and if TA Money Market VP or TA US Government Securities VP is elected, DCA frequency may not exceed 12 months/4 quarters. Oregon: DCA cannot exceed 12 months.

<sup>(2)</sup> For policies issued after 1/21/2008, Guaranteed Period Options are not available in Alaska, Kentucky, Maryland, Massachusetts, Minnesota, Oregon and Washington.

<sup>(3)</sup> Guaranteed Period Options are not available in Connecticut, New York, Pennsylvania, Vermont, Wirginia and for Washington policies issued after 1/21/2008.

<sup>(4)</sup> Connecticut: Maximum Policy Value Allowed in the Guaranteed Period Options is $25,000.

<sup>(5)</sup> Utah: Maximum Policy Value Allowed in the Guaranteed Period Options is $25,000.

Regarding any policy variations on the fixed accounts listed above please see <u>Appendix</u> <u>– Policy Variations</u>.

**CLOSED INVESTMENT OPTIONS:**

The following Portfolio Companies are only available to Owners that held an investment in these Subaccounts on December 9, 2011. However, if any such Owner surrenders all of his or her money from these Subaccounts after December 9, 2011, that Owner may not reinvest in those Subaccounts.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  |  |  | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **Investment Objective** | **Underlying Fund Portfolios and Advisers/Sub-adviser** | **Current Expenses** | **1 year** | **5 years** | **10 years** |
| Long-term growth of capital. | AB Large Cap Growth Portfolio - Class B<br>Advised by: AllianceBernstein L.P. | 0.90% | 12.85% | 11.76% | 15.88% |
| 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® Index. | Fidelity® VIP Equity-Income Portfolio - Service 2<br>Advised by: Fidelity Management & Research Company LLC | 0.71% | 18.75% | 12.23% | 11.32% |
| Seeks to achieve capital appreciation. | Fidelity® VIP Growth Portfolio - Service 2<br>Advised by: Fidelity Management & Research Company LLC | 0.80% | 14.63% | 13.42% | 17.16% |
| Capital appreciation. Its secondary goal is income. | Franklin Mutual Shares VIP Fund - Class 2<br>Advised by: Franklin Advisers, Inc. | 0.94% | 11.52% | 9.20% | 7.53% |
| Seeks capital growth. | Invesco V.I. American Franchise Fund - Series II<br>Advised by: Invesco Advisers, Inc. | 1.10% | 11.39% | 10.08% | 14.58% |
| Seeks long-term growth of capital. | Janus Henderson Enterprise Portfolio - Service<br>Advised by: Janus Henderson Investors US, LLC | 0.97% | 7.41% | 7.35% | 12.51% |
| To seek total return. | MFS® Total Return Series - Service<br>Advised by: MFS® Investment Management | 0.96% | 10.91% | 6.16% | 7.36% |

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**investment options AVAILABLE UNDER THE POLICY — (Continued)**

Effective open of business on September 17, 2012, the following Subaccounts are closed to new investments.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  |  |  | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **Investment Objective** | **Underlying Fund Portfolios and Advisers/Sub-adviser** | **Current Expenses** | **1 year** | **5 years** | **10 years** |
| To maximize income while maintaining prospects for capital appreciation. | Franklin Income VIP Fund - Class 2<br>Advised by: Franklin Advisers, Inc. | 0.72% | 12.56% | 7.66% | 7.30% |
| To seek long-term capital growth. | Templeton Foreign VIP Fund - Class 2<br>Advised by: Templeton Investment Counsel, LLC | 1.09% | 29.19% | 8.25% | 5.75% |
| Capital appreciation. Its secondary goal is income. | Franklin Allocation VIP Fund - Class 4<br>Advised by: Franklin Advisers, Inc. | 0.97% | 12.53% | 5.59% | 7.19% |
| To seek capital appreciation. | MFS® New Discovery Series - Service<br>Advised by: MFS® Investment Management | 1.20% | 12.56% | -0.54% | 10.46% |

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Effective December 12, 2011, the Invesco V.I. Value Opportunities Fund (Series II) was closed to new investments. Effective on or about August 18, 2017, the Invesco V.I. Value Opportunities Fund (Series II) fund was replaced with Transamerica Barrow Hanley Dividend Focused VP (Initial Class)

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  |  |  | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **Investment Objective** | **Underlying Fund Portfolios and Advisers/Sub-adviser(1)** | **Current Expenses** | **1 year** | **5 years** | **10 years** |
| To seek total return gained from the combination of dividend yield, growth of dividends and capital appreciation. | Transamerica Aegon Sustainable Equity Income VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Management UK plc | 0.97% | 10.99% | 8.11% | 7.08% |

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The Prospectus and Statement of Additional Information (SAI) include additional information. The Prospectus and SAI which have the same effective date as this summary prospectus are incorporated by reference as amended or supplemented. The Prospectus and SAI are available without charge upon request. For a free copy call us at (800)525-6205 or write us at:

Transamerica Life Insurance Company <br>6400 C Street S.W. <br>Cedar Rapids, IA 52499

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

EDGAR Contract Identifier No. is #C000127972

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