# EDGAR Filing Document

**Accession Number:** 0000841056
**File Stem:** 0001164098-26-001174
**Filing Date:** 2026-5
**Character Count:** 60217
**Document Hash:** 0607d3170ff05b3f1cbb47988efb0007
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001164098-26-001174.hdr.sgml**: 20260501

**ACCESSION NUMBER**: 0001164098-26-001174

**CONFORMED SUBMISSION TYPE**: N-VP

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260501

**DATE AS OF CHANGE**: 20260501

**EFFECTIVENESS DATE**: 20260501

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** WRL SERIES ANNUITY ACCOUNT
- **CENTRAL INDEX KEY:** 0000841056

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

**FILING VALUES:**
- **FORM TYPE:** N-VP
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-249117
- **FILM NUMBER:** 26931004

**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

## Series and Classes Contracts Data

### WRL SERIES ANNUITY ACCOUNT (Series ID: S000006801)

| Class ID   | Class Name         | Ticker Symbol   |
|:---|:---|:---|
| C000223554 | New WRL Freedom VA |  |

#### Annual Notice Dated May 1, 2026

#### WRL FREEDOM VARIABLE ANNUITY

#### Issued through<br>
**Transamerica Life Insurance Company<br>WRL Series Annuity Account**

<br> This Annual Disclosure Notice ("Notice") provides certain updated information about Your WRL Freedom Variable Annuity, a flexible payment variable deferred annuity contract ("Contract"), which is no longer available for purchase**.**

Transamerica Life Insurance Company ("Transamerica") is providing this Notice in lieu of an updated prospectus for the Contract in reliance on the Securities and Exchange Commission's position on modernized alternative disclosures for discontinued variable annuity offerings. Updated audited financial statements for Transamerica Life Insurance Company and for WRL Series Annuity Account ("Separate Account") are available, free of charge, at http://dfinview.com/Transamerica/TAHD/89358R234?site=VAVUL. In addition, current summary prospectuses, statutory prospectuses, statements of additional information, and the most recent shareholder reports for the funds available under the Contract ("Funds") are available, free of charge, at the same website address as above. To request a free paper or e-mail copy of any of these materials, please call (800) 525-6205, Monday through Thursday 8 - 6:30, or Friday 8 - 5:30 ET.

Your Contract prospectus dated May 1, 2009, as supplemented, is incorporated herein by reference and contains more information about the Contract's features, benefits, and risks.

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.

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| [SPECIAL TERMS](#tocAnchor0) | [3](#tocAnchor0) |
| [SUMMARY OF CONTRACT FEATURES THAT HAVE CHANGED](#tocAnchor1) | [4](#tocAnchor1) |
| [important INFORMATION you should consider about the Contract](#tocAnchor2) | [5](#tocAnchor2) |
| [INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT](#tocAnchor3) | [6](#tocAnchor3) |

---

#### SPECIAL TERMS
**Accumulation Period:** The period between the Contract date and the maturity date while the Contract is in force.

**Administrative Office:** Transamerica Life Insurance Company, Attention: Customer Care Group, 6400 C Street SW, Cedar Rapids, IA 52499. (800) 525-6205. Our hours are Monday – Friday from 8:30 a.m. – 7:00 p.m. Eastern time.

**Age:** The issue of age, which is annuitant's age on the birthday nearest the Contract date, plus the number of completed Contract years. When we use the term "age" in this prospectus, it has the same meaning as "attained age" in the Contract.

**Annuitant:** The person whose life annuity payments will be based.

**Funds**: Investment companies which are registered with the U.S. Securities and Exchange Commission. The Contract allows You to invest in the portfolios of the funds through our subaccounts. We reserve the right to add portfolios of other registered investment companies as investment choices under the Contract in the future.

**Maturity Date:** The date on which the accumulation period ends, and annuity payments begin. The latest maturity date is the Annuitant's 90th birthday.

**NYSE:** New York Stock Exchange.

**Owner (You, Your):** The person(s) entitled to exercise all rights and privileges under the Contract. The Annuitant is an Owner unless the application states otherwise, or unless a change of ownership is made later. If two Owners are named, the Contract is owned jointly, and the consent of each Owner is required to exercise ownership rights under the Contract. Please note: A joint Owner receives no benefits under this Contract. A joint Owner (even if the joint Owner is the spouse of the Owner) is not entitled to receive the death benefit under this Contract; a joint Owner may not continue the Contract on the death of an Owner.

**Portfolio:** A separate investment portfolio of a fund.

**Purchase Payments:** Amounts paid by an owner or on an owner's behalf to Western Reserve as consideration for the benefits provided by the Contract. When we use the term "purchase payment" or "premium" in this prospectus, it has the same meaning as "net payment" in the Contract, which means the purchase payment less any applicable premium taxes.

**Separate Account:** WRL Series Annuity Account, a unit investment trust consisting of subaccounts. Each subaccount of the separate account invests solely in shares of a corresponding portfolio of a fund.

**Subaccount:** A subdivision of the separate account that invests exclusively in the shares of a specified portfolio and supports the Contract Subaccounts corresponding to each portfolio hold assets under the Contract during the accumulation period.

**Surrender:** The termination of a Contract at the option of an owner.

**Valuation Date:** Each day on which the NYSE is open for trading, except when a Subaccount's corresponding portfolio does not value its shares. Western Reserve is open for business on each day that the NYSE is open. When we use the term "business day," it has the same meaning as valuation date.

**Western Reserve (we, us, our):** Western Reserve Life Assurance Co. of Ohio.<br>

**SUMMARY OF CONTRACT FEATURES THAT HAVE CHANGED**

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

* For changes in the names of certain Portfolios and/or Advisers/Sub-advisers please refer to the <u>Appendix - Investment Options Available Under the Contract</u>.

* For updated Portfolio expense information please refer to <u>Important Information You Should Consider About This Contract</u> and the <u>Appendix – Investment Options Available Under the Contract</u>.

* For updated Portfolio performance information please refer to the <u>Appendix – Investment Options Available Under the Contract</u>.

#### &nbsp;&nbsp;&nbsp;&nbsp; important INFORMATION you should consider about the Contract
Your Contract prospectus dated May 1, 2009, as supplemented, contains more information about the Contract's features, benefits, and risks in addition to what is listed below.

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; FEES AND EXPENSES**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; FEES AND EXPENSES**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; FEES AND EXPENSES**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Location in<br>Prospectus**  |
| &nbsp;&nbsp; **Are There Charges for Early Withdrawal?**  | &nbsp;&nbsp; **Yes.** If You withdraw money from the Contract within 7 years following Your last purchase payment, You may be assessed with a surrender charge of up to 9% of the amount withdrawn. <br>**For example:** If You make an early withdrawal, You could pay a surrender charge of up to $9,000 on a $100,000 investment. This loss will be greater if there is a negative Contract Adjustment, taxes, or tax penalties. <br>Additionally, if You remove all or part of Your Contract Value from an Investment Option or from the Contract before the end of a specified Crediting Period, the Insurance Company will apply a Contract Adjustment, which may be negative. The maximum potential loss from a negative Contract Adjustment is 90% of Your investment. <br>**For example:** If You allocate $100,000 to an investment option with a 3-year Crediting Period and later withdraw the entire amount before the 3 years have ended, You could lose up to $90,000 of Your investment. This loss will be greater if You also must pay a surrender charge, taxes, and tax penalties.  | &nbsp;&nbsp; **Yes.** If You withdraw money from the Contract within 7 years following Your last purchase payment, You may be assessed with a surrender charge of up to 9% of the amount withdrawn. <br>**For example:** If You make an early withdrawal, You could pay a surrender charge of up to $9,000 on a $100,000 investment. This loss will be greater if there is a negative Contract Adjustment, taxes, or tax penalties. <br>Additionally, if You remove all or part of Your Contract Value from an Investment Option or from the Contract before the end of a specified Crediting Period, the Insurance Company will apply a Contract Adjustment, which may be negative. The maximum potential loss from a negative Contract Adjustment is 90% of Your investment. <br>**For example:** If You allocate $100,000 to an investment option with a 3-year Crediting Period and later withdraw the entire amount before the 3 years have ended, You could lose up to $90,000 of Your investment. This loss will be greater if You also must pay a surrender charge, taxes, and tax penalties.  | &nbsp;&nbsp; **Yes.** If You withdraw money from the Contract within 7 years following Your last purchase payment, You may be assessed with a surrender charge of up to 9% of the amount withdrawn. <br>**For example:** If You make an early withdrawal, You could pay a surrender charge of up to $9,000 on a $100,000 investment. This loss will be greater if there is a negative Contract Adjustment, taxes, or tax penalties. <br>Additionally, if You remove all or part of Your Contract Value from an Investment Option or from the Contract before the end of a specified Crediting Period, the Insurance Company will apply a Contract Adjustment, which may be negative. The maximum potential loss from a negative Contract Adjustment is 90% of Your investment. <br>**For example:** If You allocate $100,000 to an investment option with a 3-year Crediting Period and later withdraw the entire amount before the 3 years have ended, You could lose up to $90,000 of Your investment. This loss will be greater if You also must pay a surrender charge, taxes, and tax penalties.  | &nbsp;&nbsp; **Expenses**  |
| &nbsp;&nbsp; **Are There Transaction Charges?**  | &nbsp;&nbsp; **Yes.** In addition to surrender charges, You may also be charged for other transactions under the Contract. These transaction charges include: <br> **Transfer Fees:** You are generally allowed 12 free transfers per Contract year between investment options. For each additional transfer beyond 12 in a Contract year, a fee of up to $10 per transfer may be charged. **Annual Contract Charge:** An annual charge of $30 may be deducted from Your Contract Value on each Contract anniversary. **Special Service Fees:** The Company may deduct a charge of up to $25 for special services, such as overnight delivery. **Wire Transfer Fees:** A fee of $25 may be charged for wire transfers**.** | &nbsp;&nbsp; **Yes.** In addition to surrender charges, You may also be charged for other transactions under the Contract. These transaction charges include: <br> **Transfer Fees:** You are generally allowed 12 free transfers per Contract year between investment options. For each additional transfer beyond 12 in a Contract year, a fee of up to $10 per transfer may be charged. **Annual Contract Charge:** An annual charge of $30 may be deducted from Your Contract Value on each Contract anniversary. **Special Service Fees:** The Company may deduct a charge of up to $25 for special services, such as overnight delivery. **Wire Transfer Fees:** A fee of $25 may be charged for wire transfers**.** | &nbsp;&nbsp; **Yes.** In addition to surrender charges, You may also be charged for other transactions under the Contract. These transaction charges include: <br> **Transfer Fees:** You are generally allowed 12 free transfers per Contract year between investment options. For each additional transfer beyond 12 in a Contract year, a fee of up to $10 per transfer may be charged. **Annual Contract Charge:** An annual charge of $30 may be deducted from Your Contract Value on each Contract anniversary. **Special Service Fees:** The Company may deduct a charge of up to $25 for special services, such as overnight delivery. **Wire Transfer Fees:** A fee of $25 may be charged for wire transfers**.** | &nbsp;&nbsp; **Expenses**  |
| &nbsp;&nbsp; **Are There Ongoing Fees and Expenses?<br>(annual charges)**  | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may pay each year, depending on the Investment Options and optional benefits You choose. Please refer to Your Contract specifications page for information about the specific fees You will pay each year based on the options You have elected.  | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may pay each year, depending on the Investment Options and optional benefits You choose. Please refer to Your Contract specifications page for information about the specific fees You will pay each year based on the options You have elected.  | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may pay each year, depending on the Investment Options and optional benefits You choose. Please refer to Your Contract specifications page for information about the specific fees You will pay each year based on the options You have elected.  | &nbsp;&nbsp; **Annuity Contract Fee Table** <br> **Expenses**  |
|  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Annual Fee**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maximum**  | &nbsp;&nbsp; **Annuity Contract Fee Table** <br> **Expenses**  |
|  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Base Contract<sup>1</sup>  | &nbsp;&nbsp; 1.25%  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.25%  | &nbsp;&nbsp; **Annuity Contract Fee Table** <br> **Expenses**  |
|  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Portfolio Company (fund fees and expenses)<sup>2</sup><sup>,3</sup>  | &nbsp;&nbsp; 0.29%  | &nbsp;&nbsp; 2.86%  | &nbsp;&nbsp; **Annuity Contract Fee Table** <br> **Expenses**  |
|  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Optional Benefit Expenses (if elected)<sup>4</sup>  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.20%  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.50%  | &nbsp;&nbsp; **Annuity Contract Fee Table** <br> **Expenses**  |
|  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>1</sup>As a percentage, annually, of average Separate Account.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>1</sup>As a percentage, annually, of average Separate Account.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>1</sup>As a percentage, annually, of average Separate Account.  | &nbsp;&nbsp; **Annuity Contract Fee Table** <br> **Expenses**  |
|  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>2</sup>As a percentage of each Portfolio's net assets.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>2</sup>As a percentage of each Portfolio's net assets.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>2</sup>As a percentage of each Portfolio's net assets.  | &nbsp;&nbsp; **Annuity Contract Fee Table** <br> **Expenses**  |
|  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>3</sup>See below Appendix: Investment Options Available Under the Contract for more information.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>3</sup>See below Appendix: Investment Options Available Under the Contract for more information.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>3</sup>See below Appendix: Investment Options Available Under the Contract for more information.  | &nbsp;&nbsp; **Annuity Contract Fee Table** <br> **Expenses**  |
|  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>4</sup>As a percentage of the withdrawal base.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>4</sup>As a percentage of the withdrawal base.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>4</sup>As a percentage of the withdrawal base.  | &nbsp;&nbsp; **Annuity Contract Fee Table** <br> **Expenses**  |
|  | &nbsp;&nbsp; <br> Because Your Contract is customizable, the choices You make affect how much You will pay. To help You understand the cost of owning Your Contract, the following table shows the lowest and highest cost You could pay each year, based on current charges. This estimate assumes that You do not take withdrawal from the Contract, which could add surrender charges and negative Contract Adjustments that substantially increase costs.  | &nbsp;&nbsp; <br> Because Your Contract is customizable, the choices You make affect how much You will pay. To help You understand the cost of owning Your Contract, the following table shows the lowest and highest cost You could pay each year, based on current charges. This estimate assumes that You do not take withdrawal from the Contract, which could add surrender charges and negative Contract Adjustments that substantially increase costs.  | &nbsp;&nbsp; <br> Because Your Contract is customizable, the choices You make affect how much You will pay. To help You understand the cost of owning Your Contract, the following table shows the lowest and highest cost You could pay each year, based on current charges. This estimate assumes that You do not take withdrawal from the Contract, which could add surrender charges and negative Contract Adjustments that substantially increase costs.  | &nbsp;&nbsp; **Annuity Contract Fee Table** <br> **Expenses**  |
|  | &nbsp;&nbsp; **Lowest Annual Cost** <br> **$1,640** | &nbsp;&nbsp; **Highest Annual Cost** <br> **$4,943** | &nbsp;&nbsp; **Highest Annual Cost** <br> **$4,943** |  |
|  | &nbsp;&nbsp; Assumes: <br>Investment of $100,000 5% annual appreciation Least expensive combination of optional benefits and Portfolio Company fees and expenses No sales charges No additional Purchase Payments, transfers, or withdrawals  | &nbsp;&nbsp; Assumes: <br>Investment of $100,000 5% annual appreciation Most expensive Portfolio Company fees and expenses No optional benefits No sales charges No additional Purchase Payments, transfers, or withdrawals  | &nbsp;&nbsp; Assumes: <br>Investment of $100,000 5% annual appreciation Most expensive Portfolio Company fees and expenses No optional benefits No sales charges No additional Purchase Payments, transfers, or withdrawals  |  |
|  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; RISKS**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; RISKS**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; RISKS**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Location in<br>Prospectus**  |
| &nbsp;&nbsp; **Is There a Risk of Loss From Poor Performance?**  | &nbsp;&nbsp; **Yes.** An investor can lose money by investing in the Contract. The value of Your investment may fluctuate significantly from day to day and over time. You may lose part or all Your investment, and Your investment may not perform as well as other similar investments. The Contract does not include Index-Linked Options, so there are no caps, buffers, or participation rates that limit gains or losses based on index performance.  | &nbsp;&nbsp; **Yes.** An investor can lose money by investing in the Contract. The value of Your investment may fluctuate significantly from day to day and over time. You may lose part or all Your investment, and Your investment may not perform as well as other similar investments. The Contract does not include Index-Linked Options, so there are no caps, buffers, or participation rates that limit gains or losses based on index performance.  | &nbsp;&nbsp; **Yes.** An investor can lose money by investing in the Contract. The value of Your investment may fluctuate significantly from day to day and over time. You may lose part or all Your investment, and Your investment may not perform as well as other similar investments. The Contract does not include Index-Linked Options, so there are no caps, buffers, or participation rates that limit gains or losses based on index performance.  | &nbsp;&nbsp; **Summary** <br>**Performance**  |
| &nbsp;&nbsp; **Is This a Short-Term Investment?**  | &nbsp;&nbsp; **No.** The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Withdrawals from the Contract may result in surrender charges, taxes, and tax penalties. The Contract does not impose negative Contract Adjustments or market value adjustments.  | &nbsp;&nbsp; **No.** The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Withdrawals from the Contract may result in surrender charges, taxes, and tax penalties. The Contract does not impose negative Contract Adjustments or market value adjustments.  | &nbsp;&nbsp; **No.** The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Withdrawals from the Contract may result in surrender charges, taxes, and tax penalties. The Contract does not impose negative Contract Adjustments or market value adjustments.  | &nbsp;&nbsp; **Summary**  |
| &nbsp;&nbsp; **What are the Risks Associated with Investment Options?**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Investment Options available under the Contract. Each Investment Option (including any Fixed Option) has its own unique risks. Investors should review the available Investment Options before making an investment decision.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Investment Options available under the Contract. Each Investment Option (including any Fixed Option) has its own unique risks. Investors should review the available Investment Options before making an investment decision.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Investment Options available under the Contract. Each Investment Option (including any Fixed Option) has its own unique risks. Investors should review the available Investment Options before making an investment decision.  | &nbsp;&nbsp; **Summary** <br>**Investment Choices**  |
| &nbsp;&nbsp; **What are the Risks Related to the Insurance Company?**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; An investment in the Contract is subject to risks related to the Insurance Company. Any obligations, guarantees, or benefits under the Contract—including those associated with Fixed Options—are subject to the claims-paying ability of Transamerica Life Insurance Company. <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; More information about Transamerica Life Insurance Company (formerly Western Reserve Life Assurance Co. of Ohio), including our financial strength ratings, is available by visiting transamerica.com or by calling toll-free (800) 525-6205.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; An investment in the Contract is subject to risks related to the Insurance Company. Any obligations, guarantees, or benefits under the Contract—including those associated with Fixed Options—are subject to the claims-paying ability of Transamerica Life Insurance Company. <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; More information about Transamerica Life Insurance Company (formerly Western Reserve Life Assurance Co. of Ohio), including our financial strength ratings, is available by visiting transamerica.com or by calling toll-free (800) 525-6205.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; An investment in the Contract is subject to risks related to the Insurance Company. Any obligations, guarantees, or benefits under the Contract—including those associated with Fixed Options—are subject to the claims-paying ability of Transamerica Life Insurance Company. <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; More information about Transamerica Life Insurance Company (formerly Western Reserve Life Assurance Co. of Ohio), including our financial strength ratings, is available by visiting transamerica.com or by calling toll-free (800) 525-6205.  | &nbsp;&nbsp; **Other Information – Western Reserve Life Assurance Co. of Ohio** <br>**Other Information – Financial Condition of the Company**  |
|  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; RESTRICTIONS**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; RESTRICTIONS**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; RESTRICTIONS**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Location in<br>Prospectus**  |
| &nbsp;&nbsp; **Are There Restrictions on the Investment Options?**  | &nbsp;&nbsp; **Yes.** There are restrictions that may limit the Investment Options You may choose and limitations on the transfer of Contract Value among Investment Options. The Insurance Company reserves the right to: <br>Reject premium payments or transfer requests if they may negatively impact the underlying fund portfolio's operations. Restrict expedited transfer privileges (e.g., telephone, fax, overnight mail, Internet) if it determines that Your transfer activity may disadvantage other Contract Owners. Limit transfers to written requests sent via first-class mail in certain cases. Substitute for Portfolio Companies or revise the list of available investment options. Stop accepting additional purchase payments at its discretion. | &nbsp;&nbsp; **Yes.** There are restrictions that may limit the Investment Options You may choose and limitations on the transfer of Contract Value among Investment Options. The Insurance Company reserves the right to: <br>Reject premium payments or transfer requests if they may negatively impact the underlying fund portfolio's operations. Restrict expedited transfer privileges (e.g., telephone, fax, overnight mail, Internet) if it determines that Your transfer activity may disadvantage other Contract Owners. Limit transfers to written requests sent via first-class mail in certain cases. Substitute for Portfolio Companies or revise the list of available investment options. Stop accepting additional purchase payments at its discretion. | &nbsp;&nbsp; **Yes.** There are restrictions that may limit the Investment Options You may choose and limitations on the transfer of Contract Value among Investment Options. The Insurance Company reserves the right to: <br>Reject premium payments or transfer requests if they may negatively impact the underlying fund portfolio's operations. Restrict expedited transfer privileges (e.g., telephone, fax, overnight mail, Internet) if it determines that Your transfer activity may disadvantage other Contract Owners. Limit transfers to written requests sent via first-class mail in certain cases. Substitute for Portfolio Companies or revise the list of available investment options. Stop accepting additional purchase payments at its discretion. | &nbsp;&nbsp; **Investment Choices**  |
| &nbsp;&nbsp; **Are There any Restrictions on Contract Benefits?**  | &nbsp;&nbsp; **Yes.** There are restrictions and limitations relating to benefits offered under the Contract. These include: <br> **Death Benefits**: Optional death benefit features may exceed the greater of premium payments or Contract Value, which could be limited under certain qualified plans. **Living Benefits**: Withdrawals that exceed limits specified by the terms of a benefit may reduce the benefit by more than the amount withdrawn or may terminate the benefit. **Contract Loans**: Available only under certain qualified Contract and subject to processing fees. **IRS Qualification**: Some optional benefits may not comply with IRA qualification requirements.  | &nbsp;&nbsp; **Yes.** There are restrictions and limitations relating to benefits offered under the Contract. These include: <br> **Death Benefits**: Optional death benefit features may exceed the greater of premium payments or Contract Value, which could be limited under certain qualified plans. **Living Benefits**: Withdrawals that exceed limits specified by the terms of a benefit may reduce the benefit by more than the amount withdrawn or may terminate the benefit. **Contract Loans**: Available only under certain qualified Contract and subject to processing fees. **IRS Qualification**: Some optional benefits may not comply with IRA qualification requirements.  | &nbsp;&nbsp; **Yes.** There are restrictions and limitations relating to benefits offered under the Contract. These include: <br> **Death Benefits**: Optional death benefit features may exceed the greater of premium payments or Contract Value, which could be limited under certain qualified plans. **Living Benefits**: Withdrawals that exceed limits specified by the terms of a benefit may reduce the benefit by more than the amount withdrawn or may terminate the benefit. **Contract Loans**: Available only under certain qualified Contract and subject to processing fees. **IRS Qualification**: Some optional benefits may not comply with IRA qualification requirements.  | &nbsp;&nbsp; **Death Benefit** <br>**Expenses**  |
|  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; TAXES**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; TAXES**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; TAXES**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Location in<br>Prospectus**  |
| &nbsp;&nbsp; **What Are the Contract's Tax Implications?**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; An investor should consult with a tax professional to determine the tax implications of an investment in and purchase payments received under the Contract. If the Contract is purchased through a tax-qualified plan or individual retirement account (IRA), there is **no additional tax benefit** to the investor beyond what the plan or IRA already provides. <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Withdrawals from the Contract are generally subject to **ordinary income tax** and may be subject to a **10% federal penalty tax** if taken before age 59½, unless an exception applies (e.g., death, disability, annuitization, or certain qualified plan distributions).  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; An investor should consult with a tax professional to determine the tax implications of an investment in and purchase payments received under the Contract. If the Contract is purchased through a tax-qualified plan or individual retirement account (IRA), there is **no additional tax benefit** to the investor beyond what the plan or IRA already provides. <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Withdrawals from the Contract are generally subject to **ordinary income tax** and may be subject to a **10% federal penalty tax** if taken before age 59½, unless an exception applies (e.g., death, disability, annuitization, or certain qualified plan distributions).  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; An investor should consult with a tax professional to determine the tax implications of an investment in and purchase payments received under the Contract. If the Contract is purchased through a tax-qualified plan or individual retirement account (IRA), there is **no additional tax benefit** to the investor beyond what the plan or IRA already provides. <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Withdrawals from the Contract are generally subject to **ordinary income tax** and may be subject to a **10% federal penalty tax** if taken before age 59½, unless an exception applies (e.g., death, disability, annuitization, or certain qualified plan distributions).  | &nbsp;&nbsp; **Taxes**  |
|  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; CONFLICT OF INTEREST**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; CONFLICT OF INTEREST**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; CONFLICT OF INTEREST**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Location in<br>Prospectus**  |
| &nbsp;&nbsp; **How Are Investment Professionals Compensated?**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Some investment professionals may receive compensation for selling the Contract to investors. This compensation may include: <br> Commissions Overrides to wholesalers Promotional incentives (cash or non-cash) Revenue sharing arrangements Compensation from affiliates or third parties <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; These arrangements may create a financial incentive for investment professionals to recommend this Contract over another investment. You should ask Your sales representative for details about the compensation they and their firm may receive in connection with Your purchase of a Contract.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Some investment professionals may receive compensation for selling the Contract to investors. This compensation may include: <br> Commissions Overrides to wholesalers Promotional incentives (cash or non-cash) Revenue sharing arrangements Compensation from affiliates or third parties <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; These arrangements may create a financial incentive for investment professionals to recommend this Contract over another investment. You should ask Your sales representative for details about the compensation they and their firm may receive in connection with Your purchase of a Contract.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Some investment professionals may receive compensation for selling the Contract to investors. This compensation may include: <br> Commissions Overrides to wholesalers Promotional incentives (cash or non-cash) Revenue sharing arrangements Compensation from affiliates or third parties <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; These arrangements may create a financial incentive for investment professionals to recommend this Contract over another investment. You should ask Your sales representative for details about the compensation they and their firm may receive in connection with Your purchase of a Contract.  | &nbsp;&nbsp; **Other Information – Distribution of the Contracts**  |
| &nbsp;&nbsp; **Should I Exchange My Contract?**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Some investment professionals may have a financial incentive to offer You a new Contract in place of the one You already own. You should only exchange Your Contract if, after comparing the features, fees, and risks of both Contract—and any fees or penalties to terminate the existing Contract, You determine that it is preferable to purchase the new Contract rather than continue to own the existing one.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Some investment professionals may have a financial incentive to offer You a new Contract in place of the one You already own. You should only exchange Your Contract if, after comparing the features, fees, and risks of both Contract—and any fees or penalties to terminate the existing Contract, You determine that it is preferable to purchase the new Contract rather than continue to own the existing one.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Some investment professionals may have a financial incentive to offer You a new Contract in place of the one You already own. You should only exchange Your Contract if, after comparing the features, fees, and risks of both Contract—and any fees or penalties to terminate the existing Contract, You determine that it is preferable to purchase the new Contract rather than continue to own the existing one.  | &nbsp;&nbsp; **Other Information - Exchanges**  |

---

***APPENDIX***

#### INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT
The following is a list of current Portfolio Companies available under the Contract, 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 Your 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 <u>http://dfinview.com/Transamerica/TAHD/89346E782?site=VAVUL</u>

You can also request this information at no cost by calling our Administrative Office at (800) 525-6205.

The current expenses and performance below reflect fees and expenses of the Portfolio Companies, but do not reflect the other fees and expenses that Your Contract may charge. Expenses would be higher, and performance would be lower if these other charges were included. Each 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<sup>(1)</sup>** | **Current Expenses** | **1 year** | **5 years** | **10 years** |
| Seeks to provide investment results that correspond generally to the total return of the high yield market consistent with maintaining reasonable liquidity. | ProFund Access VP High Yield<br> Advised by: ProFund Advisors LLC | 1.64% | 6.24% | 2.85% | 3.92% |
| Seeks investment results,<br> before fees and expenses, that track the performance of the ProFunds Asia 30 Index (the "Index"). | ProFund VP Asia 30<br> Advised by: ProFund Advisors LLC | 1.72% | 24.12% | -2.31% | 5.18% |
| Seeks investment results, before fees and expenses, that track the performance of the S&P 500®<br> Index (the "Index") | ProFund VP Bull<br> Advised by: ProFund Advisors LLC | 1.68% | 15.56% | 12.18% | 12.55% |
| Seeks investment results, before fees and expenses, that track the performance of the S&P Communication Services Select Sector Index (the "Index"). | ProFund VP Communication Services<br> Advised by: ProFund Advisors LLC | 1.70% | 20.91% | 14.55% | 8.97% |
| To seek investment results, before fees and expenses, that track the performance of the S&P Consumer Discretionary Select Sector Index. | ProFund VP Consumer Discretionary<br> Advised by: ProFund Advisors LLC | 1.72% | 5.51% | 5.53% | 10.01% |
| To seek investment results, before fees and expenses, that track the performance of<br> the S&P® Emerging 50 ADR Index (USD) (the "Index"). | ProFund VP Emerging Markets<br> Advised by: ProFund Advisors LLC | 1.74% | 36.13% | 3.07% | 8.66% |
| To seek investment results, before fees and expenses, that track the performance of the S&P Energy Select Sector Index (the "Index"). | ProFund VP Energy<br> Advised by: ProFund Advisors LLC | 1.71% | 5.86% | 21.01% | 5.88% |
| To seek investment results, before fees and expenses, that track the performance of the ProFunds Europe 30 Index (the "Index") | ProFund VP Europe 30<br> Advised by: ProFund Advisors LLC | 1.72% | 29.59% | 12.78% | 8.01% |
| To seek daily investment results, before fees and expenses, that correspond to the daily performance of the ICE U.S. Dollar Index. | ProFund VP Falling U.S. Dollar<br> Advised by: ProFund Advisors LLC | 2.86% | 10.81% | -1.85% | -1.14% |
| To seek daily investment results, before fees and expenses, that track the performance of the S&P<br> Financial Select Sector Index (the "Index") | ProFund VP Financials<br> Advised by: ProFund Advisors LLC | 1.69% | 12.90% | 12.77% | 11.04% |
| To seek a high level of current income consistent with liquidity and preservation of capital. | ProFund VP Government Money Market<br> Advised by: ProFund Advisors LLC | 1.66% | 3.27% | 2.54% | 1.39% |
| To seek investment results, before fees and expenses, that track the performance of the MSCI EAFE Index (the "Index"). | ProFund VP International<br> Advised by: ProFund Advisors LLC | 1.67% | 27.97% | 6.29% | 5.60% |
| To seek investment results, before fees and expenses, that track the performance of the Nikkei 225 Stock Average (the "Index"). | ProFund VP Japan<br> Advised by: ProFund Advisors LLC | 1.68% | 30.69% | 14.99% | 11.39% |
| To seek investment results, before fees and expenses, that track the performance of the S&P Materials Select Sector Index. | ProFund VP Materials<br> Advised by: ProFund Advisors LLC | 1.71% | 8.05% | 6.41% | 8.42% |
| To seek investment results, before fees and expenses, that track the performance of the S&P MidCap 400® Index (the "Index"). | ProFund VP Mid-Cap<br> Advised by: ProFund Advisors LLC | 1.68% | 4.78% | 6.63% | 8.22% |
| To seek investment results, before fees and expenses, that track the performance of the Nasdaq-100® Index (the "Index"). | ProFund VP NASDAQ-100<br> Advised by: ProFund Advisors LLC | 1.68% | 18.62% | 12.94% | 17.28% |
| To seek investment results, before fees and expenses, that track the performance of the S&P Pharmaceuticals Select Industry Index (the "Index"). | ProFund VP Pharmaceuticals<br> Advised by: ProFund Advisors LLC | 1.69% | 29.34% | 5.70% | 5.37% |
| To seek investment results, before fees and expenses, that track the performance of the Dow Jones Precious MetalsSM Index (the "Index"). | ProFund VP Precious Metals<br> Advised by: ProFund Advisors LLC | 1.68% | 150.31% | 17.01% | 18.89% |
| To seek daily investment results, before fees and expenses, that correspond to the inverse (-1x) of the daily performance of the S&P Emerging 50 ADR Index (USD) (the "Index"). | ProFund VP Short Emerging Markets<br> Advised by: ProFund Advisors LLC | 1.69% | -26.15% | -6.13% | -12.36% |
| To seek daily investment results, before fees and expenses, that correspond to the inverse (-1x) of the daily performance of the MSCI EAFE Index (the "Index"). | ProFund VP Short International<br> Advised by: ProFund Advisors LLC | 1.62% | -20.81% | -6.46% | -8.23% |
| To seek daily investment results, before fees and expenses, that correspond to the inverse (-1x) of daily performance of the Nasdaq-100® Index (the "Index") . | ProFund VP Short NASDAQ-100<br> Advised by: ProFund Advisors LLC | 1.75% | -15.80% | -13.57% | -18.48% |
| To seek daily investment results, before fees and expenses, that correspond to the inverse (-1x) of the daily performance of the Russell 2000® Index. | ProFund VP Short Small-Cap<br> Advised by: ProFund Advisors LLC | 1.78% | -10.08% | -6.50% | -11.77% |
| To seek investment results, before fees and expenses, that track the performance of the Russell 2000® Index (the "Index"). | ProFund VP Small-Cap<br> Advised by: ProFund Advisors LLC | 1.87% | 10.86% | 4.23% | 7.63% |
| To seek investment results, before fees and expenses, that track the performance of the S&P SmallCap 600® Value Index (the "Index"). | ProFund VP Small-Cap Value<br> Advised by: ProFund Advisors LLC | 1.73% | 5.00% | 7.17% | 7.81% |
| To seek daily investment results, before fees and expenses, that correspond to one and one-quarter time (1.25x) the daily performance of the most recently issued 30-Year U.S. Treasury Bond (the "Long Bond"). | ProFund VP U.S. Government Plus<br> Advised by: ProFund Advisors LLC | 1.42% | 1.17% | -13.73% | -3.45% |
| To seek daily investment results, before fees and expenses, that correspond to two times (2x) the daily performance of the Russell 2000® Index. | ProFund VP UltraSmall-Cap<br> Advised by: ProFund Advisors LLC | 1.84% | 12.93% | 1.23% | 8.81% |
| To seek investment results, before fees and expenses, that track the performance of the S&P Utilities Select Sector Index. | ProFund VP Utilities<br> Advised by: ProFund Advisors LLC | 1.70% | 13.98% | 7.78% | 8.61% |
| To seek to provide high total return through a combination of current income and capital appreciation. | Transamerica Aegon Bond VP - Initial<br> Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Management, LLC | 0.53% | 7.13% | -0.34% | 2.08% |
| To seek to achieve maximum total return. | Transamerica Aegon Core Bond VP - Initial<br> Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Management, LLC | 0.48% | 6.99% | -0.14% | 2.09% |
| To seek a high level of current income by investing in high-yield debt securities. | Transamerica Aegon High Yield Bond VP - Initial<br> Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Management, LLC | 0.64% | 8.46% | 4.12% | 5.91% |
| To seek total return gained from the combination of dividend yield, growth of dividends and capital appreciation. | Transamerica Aegon Sustainable Equity Income VP - Initial<br> Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Management UK plc | 0.72% | 11.26% | 8.39% | 7.35% |
| 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 - Initial<br> Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Management, LLC | 0.59% | 5.85% | -1.28% | 1.18% |
| To seek as high a level of current income as is consistent with preservation of capital and liquidity. | Transamerica BlackRock Government Money Market VP - Initial<br> Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC<sup>(2)</sup> | 0.29% | 4.07% | 3.05% | 1.91% |
| To seek to maximize total return. | Transamerica BlackRock Real Estate Securities VP - Initial<br> Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.86% | 9.51% | 2.64% | 3.65% |
| 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% | 11.72% | 5.42% | 6.81% |
| 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% | 8.65% | 2.65% | 4.17% |
| 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% | 10.64% | 5.18% | 4.94% |
| To seek long-term capital appreciation and capital preservation. | Transamerica BlackRock iShares Edge 40 VP - Initial<br> Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.46% | 11.64% | 3.47% | 4.90% |
| 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% | 13.00% | 3.04% | 5.22% |
| To seek a combination of capital appreciation and income. | Transamerica BlackRock iShares Tactical - Conservative VP - Service<br> Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.94% | 10.65% | 1.67% | 4.43% |
| 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% | 15.58% | 5.65% | 6.85% |
| 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% | 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% | 12.27% | 7.84% | 7.65% |
| To seek long-term capital appreciation. | Transamerica International Focus VP - Initial<br> Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Sands Capital Management, LLC | 0.83% | 6.47% | 0.99% | 5.45% |
| To seek current income and preservation of capital. | Transamerica JPMorgan Asset Allocation - Conservative VP - Initial<br> Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: J.P. Morgan Investment Management, Inc. | 0.71% | 10.63% | 2.33% | 4.91% |
| To seek capital appreciation with current income as a secondary objective. | Transamerica JPMorgan Asset Allocation - Moderate Growth VP - Initial<br> Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: J.P. Morgan Investment Management, Inc. | 0.77% | 13.13% | 5.83% | 8.08% |
| To seek capital appreciation and current income. | Transamerica JPMorgan Asset Allocation - Moderate VP - Initial<br> Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: J.P. Morgan Investment Management, Inc. | 0.72% | 11.89% | 3.86% | 6.33% |
| To seek long-term capital appreciation. | Transamerica JPMorgan Diversified Equity Allocation VP - Initial<br> Advised by: Transamerica JPMorgan Diversified Equity Allocation VP; Sub-Advised by: J.P. Morgan Investment Management, Inc.<sup>(3)</sup> | 0.80% | 19.45% | 9.16% | 11.18% |
| 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 - Initial<br> Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: J.P. Morgan Investment Management, Inc. | 0.61% | 16.21% | 14.39% | 14.61% |
| To seek capital appreciation with current income as a secondary objective. | Transamerica JPMorgan International Moderate Growth VP - Initial<br> Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: J.P. Morgan Investment Management, Inc. | 0.87% | 18.02% | 3.50% | 5.77% |
| To seek current income and preservation of capital. | Transamerica JPMorgan Tactical Allocation VP - Initial<br> Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: J.P. Morgan Investment Management, Inc. | 0.80% | 9.10% | 2.06% | 4.40% |
| 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% | 13.46% | 7.57% | 9.31% |
| To seek long-term capital appreciation. | Transamerica Janus Mid-Cap Growth VP - Initial<br> Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Janus Henderson Investors US LLC | 0.84% | 8.11% | 7.17% | 11.14% |
| 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 - Initial<br> Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Mangement, Inc. | 0.64% | 13.06% | 8.62% | 9.73% |
| To seek to maximize total return. | Transamerica Small/Mid Cap Value VP - Initial<br> Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Systematic Financial Management, L.P. | 0.81% | 9.81% | 9.56% | 9.81% |
| To seek long-term growth of capital by investing primarily in common stocks of small growth companies. | Transamerica T. Rowe Price Small Cap VP - Initial<br> Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: T. Rowe Price Associates, Inc. | 0.83% | 10.27% | 5.43% | 10.46% |
| Seeks to maximize long-term growth | Transamerica WMC US Growth VP - Initial<br> Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Wellington Management Company LLP | 0.64% | 17.76% | 12.32% | 16.43% |

---

&nbsp;&nbsp;&nbsp;&nbsp; <sup>(1</sup><sup>)</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.

&nbsp;&nbsp;&nbsp;&nbsp; <sup>(2)</sup> There can be no assurance that any money market Portfolio offered under this Contract 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 Contract charges, the yield on the money market Subaccount may become extremely low and possibly negative.

&nbsp;&nbsp;&nbsp;&nbsp; <sup>(3)</sup> Effective on November 1, 2025, Transamerica JPMorgan Asset Allocation – Growth VP will be renamed Transamerica JPMorgan Diversified Equity Allocation VP

**CLOSED INVESTMENT OPTIONS:** 

**The following subaccounts are only available to owners that held an investment in the subaccounts on May 1, 2003:**

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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** |
| Seeks long-term capital appreciation. | Fidelity® VIP Contrafund® Portfolio - Service 2<br> Advised by: Fidelity Management & Research Company LLC | 0.79% | 21.24% | 15.08% | 15.49% |
| Seeks to provide capital growth. | Fidelity® VIP Growth Opportunities Portfolio - Service 2<br> Advised by: Fidelity Management & Research Company LLC | 0.81% | 21.73% | 11.04% | 19.64% |

---

**Effective December 12, 2005, the following subaccount was closed to new investments:**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  |  |  | **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 seek to provide investors with long-term capital growth. | Transamerica TSW Mid Cap Value Opportunities VP - Initial<br> Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Thompson, Siegel & Walmsley LLC | 0.76% | 9.56% | 9.32% | 8.64% |

---

**Effective December 12, 2011, the following subaccount was closed to new investments:**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  |  |  | **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** |
| 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% |

---

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

Reports and other information about the Separate Account are available on the SEC's website at <u>sec.gov</u>, 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.

Please retain this Notice for future reference. The last prospectus and statement of additional information for the Contract dated May 1, 2009, as supplemented, contains more information about the Contract. You may contact us for additional information free of charge at (800) 525-6205 or write to us at:

Transamerica Life Insurance Company <br>6400 C Street SW

Cedar Rapids, IA 52499

&nbsp;&nbsp;&nbsp;&nbsp; Edgar File No. – 333-249117

EDGAR Contract Identifier No. is #C000018414