# EDGAR Filing Document

**Accession Number:** 0000929519
**File Stem:** 0001193125-25-140688
**Filing Date:** 2025-6
**Character Count:** 22020
**Document Hash:** ba4d6b654e5b317c9c9876543da19f8d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-140688.hdr.sgml**: 20250613

**ACCESSION NUMBER**: 0001193125-25-140688

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20250613

**DATE AS OF CHANGE**: 20250613

**EFFECTIVENESS DATE**: 20250613

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SEPARATE ACCOUNT VA BNY
- **CENTRAL INDEX KEY:** 0000929519

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

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-233817
- **FILM NUMBER:** 251046213

**BUSINESS ADDRESS:**
- **STREET 1:** 440 MAMARONECK AVENUE
- **CITY:** HARRISON
- **STATE:** NY
- **ZIP:** 10528
- **BUSINESS PHONE:** 319-355-8366

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

## Series and Classes Contracts Data

### SEPARATE ACCOUNT VA BNY (Series ID: S000006424)

| Class ID   | Class Name                    | Ticker Symbol   |
|:---|:---|:---|
| C000216253 | Transamerica Advisory Annuity |  |

**TRANSAMERICA ADVISORY ANNUITY**<sup>SM</sup>

**Issued through**

Transamerica Life Insurance Company and Transamerica Financial Life Insurance Company

Separate Account VA B and Separate Account VA BNY

**Updating Summary Prospectus**

**June 13, 2025**

This Updating Summary Prospectus summarizes certain key features of the Transamerica Advisory Annuity<sup>SM</sup> 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_667740b0-bbe7-4da4-a395-511a18923862_1)_____________________________________________________________________** | **1**  |
| **[summary of policy features that have changed](#xx_6b925ad9-442c-4419-b273-e488995025c5_1)_____________________________________** | **2**  |
| **[important INFORMATION you should consider about the policy](#xx_252b1848-889a-4a01-b365-954278be78e8_1)_______________________** | **3**  |
| ***[APPENDIX](#xx_d32df10c-8616-46f2-a296-84909674d555_1)*** |  |
| **[investment options AVAILABLE UNDER THE POLICY](#xx_d32df10c-8616-46f2-a296-84909674d555_1)__________________________________** | **6**  |

---

ii

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**special TERMS**

**Administrative Office -** Transamerica Life Insurance Company and Transamerica Financial 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. This date may not be later than the last day of the Policy month following the month in which the <u>Annuitant</u> attains age 99 (earlier if required by state law).

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

**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 Advisory Annuity<sup>SM</sup>, 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 Year -** A Policy Year begins on the <u>Policy Date</u> and on each anniversary thereafter.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● withdrawals; 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 (including those imposed upon termination), if any.

**Portfolio Company(ies) -** The investment company(ies) made available as Investment Options under the Policy. Also referred to as underlying fund portfolios.

**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>.

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**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</u> <u>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** 

&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** 

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

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| | | |
|:---|:---|:---|
|  | **CONFLICT OF INTEREST** | &nbsp;&nbsp; **Location in**<br> **Prospectus**<br>|
| **Should I Exchange My** <br> **Policy?**<br>| &nbsp;&nbsp; If You already own an insurance Policy, some investment professionals <br> may have a financial incentive to offer You a new Policy in place of the <br> one You own. You should only exchange a Policy You already own if You <br> determine, after comparing the features, fees, and risks of both policies, <br> that it is better for You to purchase the new Policy rather than continue to <br> own Your existing Policy. | &nbsp;&nbsp; **<u>Exchanges and/or</u>** <br> **<u>Reinstatements</u>**<br>|

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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.

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 a financial intermediary or 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/89390D540?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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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Underlying Fund Portfolio and** <br> **Adviser/Sub-adviser** <sup>(1)</sup>  | **Current**<br> **Expenses** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24)** |
| **Investment Objective** | **Underlying Fund Portfolio and** <br> **Adviser/Sub-adviser** <sup>(1)</sup>  | **Current**<br> **Expenses** | **1 year** | **5 years** | **10 years** |
| To achieve long-term capital appreciation. | Dimensional VA Equity Allocation Portfolio<sup>(3)</sup> <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Advised by:** *Dimensional Fund Advisors LP*<br>| 0.48% | 15.10% | 10.74% | 10.27% |
| Provide a market rate of return for a fixed <br> income portfolio with low relative volatility of <br> returns.<br>| Dimensional VA Global Bond Portfolio - <br> Institutional Class <sup>(4)</sup> <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Advised by:** *Dimensional Fund Advisors LP*<br>| 0.21% | 5.38% | 0.81% | 1.53% |
| To see total return consisting of capital <br> appreciation and current income.<br>| Dimensional VA Global Moderate Allocation <br> Portfolio <sup>(5)</sup> <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Advised by:** *Dimensional Fund Advisors LP*<br>| 0.44% | 11.99% | 7.77% | 6.95% |
| To achieve long-term capital appreciation. | Dimensional VA International Small Portfolio <br>(6) <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Advised by:** *Dimensional Fund Advisors LP*<br>| 0.39% | 3.82% | 4.11% | 5.91% |
| To achieve long-term capital appreciation. | Dimensional VA International Value Portfolio <br>(7) <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Advised by:** *Dimensional Fund Advisors LP*<br>| 0.28% | 6.62% | 7.08% | 5.62% |
| To achieve a stable real return in excess of the <br> rate of inflation with minimum risk.<br>| Dimensional VA Short-Term Fixed Portfolio <sup>(8)</sup> <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Advised by:** *Dimensional Fund Advisors LP*<br>| 0.12% | 5.48% | 1.91% | 1.57% |
| To achieve long-term capital appreciation. | Dimensional VA U.S. Large Value Portfolio <sup>(9)</sup> <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Advised by:** *Dimensional Fund Advisors LP*<br>| 0.21% | 13.38% | 8.43% | 8.52% |
| To achieve long-term capital appreciation. | Dimensional VA U.S. Targeted Value Portfolio <br>(10) <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Advised by:** *Dimensional Fund Advisors LP*<br>| 0.28% | 8.14% | 12.55% | 9.46% |
| Seeks to provide investment results that, before <br> expenses, correspond generally to the price and <br> yield performance of the S&P 500<sup>®</sup> Index.<br>| Transamerica S&P 500 Index VP - Initial Class<br> **Advised by**: *SSGA Funds Management, Inc.*<br>| 0.12% | 24.54% | 14.06% | 13.92% |
| To provide long-term capital appreciation and <br> reasonable current income.<br>| Vanguard<sup>®</sup> VIF Balanced Portfolio<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Advised by:** *Wellington Management Company,* <br> *LLP*<br>| 0.20% | 14.80% | 8.18% | 8.37% |
| To provide long-term capital appreciation. | Vanguard<sup>®</sup> VIF Capital Growth Portfolio<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Advised by:** *PRIMECAP Management Company*<br>| 0.34% | 13.41% | 11.86% | 12.36% |

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Underlying Fund Portfolio and** <br> **Adviser/Sub-adviser** <sup>(1)</sup> | **Current**<br> **Expenses** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24)** |
| **Investment Objective** | **Underlying Fund Portfolio and** <br> **Adviser/Sub-adviser** <sup>(1)</sup> | **Current**<br> **Expenses** | **1 year** | **5 years** | **10 years** |
| To provide current income and low to moderate <br> capital appreciation.<br>| Vanguard<sup>®</sup> VIF Conservative Allocation <br> Portfolio<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Advised by:** *The Vanguard Group, Inc.*<br>| 0.13% | 7.49% | 4.03% | 4.89% |
| To provide long-term capital appreciation and <br> income.<br>| Vanguard<sup>®</sup> VIF Diversified Value Portfolio<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Advised by:** *Barrow, Hanley, Mewhinney, &* <br> *Strauss, LLC*<br>| 0.28% | 14.88% | 12.24% | 9.75% |
| To provide an above-average level of current <br> income and reasonable long-term capital <br> appreciation.<br>| Vanguard<sup>®</sup> VIF Equity Income Portfolio<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Advised by:** *Wellington Management Company,* <br> *LLP and Vanguard's Equity Investment Group*<br>| 0.29% | 15.12% | 9.85% | 9.89% |
| Seeks to track the performance of a benchmark <br> index that measures the investment return of <br> large-capitalization stocks.<br>| Vanguard<sup>®</sup> VIF Equity Index Portfolio<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Advised by:** *Wellington Management Company,* <br> *LLP and Vanguard's Equity Investment Group*<br>| 0.14% | 24.84% | 14.36% | 12.94% |
| Seeks to track the performance of a benchmark <br> index that measures the investment return of <br> the global, investment-grade, fixed income <br> market.<br>| Vanguard<sup>®</sup> VIF Global Bond Index Portfolio<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Advised by:** *The Vanguard Group, Inc.*<br>| 0.13% | 2.03% | -0.22% | N/A |
| Seeks to provide long-term capital appreciation. | Vanguard<sup>®</sup> VIF Growth Portfolio<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Advised by:** *Jackson Square Partners, Wellington* <br> *Management Company, LLP*<br>| 0.34% | 33.13% | 15.95% | 14.67% |
| Seeks to provide a high level of current income. | Vanguard<sup>®</sup> VIF High Yield Bond Portfolio<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Advised by:** *Wellington Management Company,* <br> *LLP*<br>| 0.24% | 6.30% | 3.37% | 4.53% |
| Seeks to provide long-term capital appreciation. | Vanguard<sup>®</sup> VIF International Portfolio<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Advised by:** *Baillie Gifford Overseas Ltd., M&G* <br> *Investment Management Limited, and Schroder* <br> *Investment Management North America Inc.*<br>| 0.31% | 9.01% | 6.26% | 8.40% |
| Seeks to track the performance of a benchmark <br> index that measures the investment return of <br> mid-capitalization stocks.<br>| Vanguard<sup>®</sup> VIF Mid-Cap Index Portfolio<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Advised by:** *Vanguard Equity Investment Group*<br>| 0.17% | 15.07% | 9.70% | 9.41% |
| Seeks to provide capital appreciation and a low <br> to moderate level of current income.<br>| Vanguard<sup>®</sup> VIF Moderate Allocation Portfolio<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Advised by:** *The Vanguard Group, Inc.*<br>| 0.13% | 10.32% | 6.06% | 6.51% |
| Seeks to provide current income while <br> maintaining liquidity and a stable share price of <br> $1.<br>| Vanguard<sup>®</sup> VIF Money Market Portfolio<sup>(2)</sup> <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Advised by:** *Vanguard's Fixed Income Group*<br>| 0.15% | 5.19% | 2.43% | 1.80% |
| Seeks to provide a high level of income and <br> moderate long-term capital appreciation by <br> tracking the performance of a benchmark index <br> that measures the performance of publicly <br> traded equity REIT's.<br>| Vanguard<sup>®</sup> VIF Real Estate Index Portfolio<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Advised by:** *Vanguard Equity Investment Group*<br>| 0.26% | 4.74% | 2.84% | 4.99% |
| Seeks to provide current income while <br> maintaining limited price volatility.<br>| Vanguard<sup>®</sup> VIF Short-Term Investment-Grade <br> Portfolio<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Advised by:** *Vanguard's Fixed Income Group*<br>| 0.14% | 4.89% | 1.97% | 2.24% |
| Seeks to track the performance of a broad, <br> market-weighted bond index.<br>| Vanguard<sup>®</sup> VIF Total Bond Market Index <br> Portfolio<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Advised by:** *Vanguard's Fixed Income Group*<br>| 0.14% | 1.24% | -0.38% | 1.25% |
| Seeks to track the performance of a benchmark <br> index that measures the investment return of <br> stocks issued by companies located in developed <br> and emerging markets, excluding the United <br> States.<br>| Vanguard<sup>®</sup> VIF Total International Stock <br> Market Index Portfolio<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Advised by:** *The Vanguard Group, Inc.*<br>| 0.11% | 5.05% | 4.22% | N/A |

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Underlying Fund Portfolio and** <br> **Adviser/Sub-adviser** <sup>(1)</sup> | **Current**<br> **Expenses** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24)** |
| **Investment Objective** | **Underlying Fund Portfolio and** <br> **Adviser/Sub-adviser** <sup>(1)</sup> | **Current**<br> **Expenses** | **1 year** | **5 years** | **10 years** |
| Seeks to track the performance of a benchmark <br> index that measures the investment return of <br> the overall stock market.<br>| Vanguard<sup>®</sup> VIF Total Stock Market Index <br> Portfolio<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Advised by:** *The Vanguard Group, Inc.*<br>| 0.13% | 23.71% | 13.66% | 12.36% |

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<sup>(1)</sup>

Some Subaccounts may be available for certain policies and may not be available for all policies. You should work with Your registered representative to 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.

<sup>(3)</sup>

Effective on or about November 15, 2024 DFA VA Equity Allocation Portfolio was renamed Dimensional VA Equity Allocation Portfolio.

<sup>(4)</sup>

Effective on or about November 15, 2024 DFA VA Global Bond Portfolio was renamed Dimensional VA Global Bond Portfolio.

<sup>(5)</sup>

Effective on or about November 15, 2024 DFA VA Global Moderate Allocation Portfolio was renamed Dimensional VA Global Moderate Allocation Portfolio.

<sup>(6)</sup>

Effective on or about November 15, 2024 DFA VA International Small Portfolio was renamed Dimensional VA International Small Portfolio.

<sup>(7)</sup>

Effective on or about November 15, 2024 DFA VA International Value Portfolio was renamed Dimensional VA International Value Portfolio.

<sup>(8)</sup>

Effective on or about November 15, 2024 DFA VA Short-Term Fixed Portfolio was renamed Dimensional VA Short-Term Fixed Portfolio.

<sup>(9)</sup>

Effective on or about November 15, 2024 DFA VA U.S. Large Value Portfolio was renamed Dimensional VA U.S. Large Value Portfolio.

<sup>(10)</sup>

Effective on or about November 15, 2024 DFA VA U.S. Targeted Value Portfolio was renamed Dimensional VA U.S. Targeted Value Portfolio.

There are no Portfolios that have been closed to new investments or new investors.

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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 or Transamerica Financial 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 #C000216251 for TLIC and #C000216253 for TFLIC

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