# EDGAR Filing Document

**Accession Number:** 0000880793
**File Stem:** 0001164098-26-000885
**Filing Date:** 2026-4
**Character Count:** 23186
**Document Hash:** fac4a9a98371eb6209548a0146fd55a6
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001164098-26-000885.hdr.sgml**: 20260427

**ACCESSION NUMBER**: 0001164098-26-000885

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260427

**DATE AS OF CHANGE**: 20260427

**EFFECTIVENESS DATE**: 20260427

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MERRILL LYNCH LIFE VARIABLE ANNUITY SEPARATE ACCOUNT A
- **CENTRAL INDEX KEY:** 0000880793

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

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-232454
- **FILM NUMBER:** 26902063

**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

### MERRILL LYNCH LIFE VARIABLE ANNUITY SEPARATE ACCOUNT A (Series ID: S000010583)

| Class ID   | Class Name                           | Ticker Symbol   |
|:---|:---|:---|
| C000214604 | Retirement Plus (Separate Account A) |  |

**MERRILL LYNCH RETIREMENT PLUS**<sup>SM</sup> **VARIABLE ANNUITY**

**Issued through**

Transamerica Life Insurance Company

Merrill Lynch Life Variable Annuity Separate Account A ("Account A") and Merrill Lynch Life Variable Annuity Separate Account B ("Account B")

**Updating Summary Prospectus**

**May 1, 2026**

This Updating Summary Prospectus summarizes certain key features of the Merrill Lynch Retirement Plus<sup>SM</sup> Variable Annuity Policy ("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_a14b84a2-7c5e-49bf-be39-920024fea83e_1)_____________________________________________________________________** | **1**  |
| **[summary of policy features that have changed](#xx_a14b84a2-7c5e-49bf-be39-920024fea83e_1)_____________________________________** | **1**  |
| **[important INFORMATION you should consider about the policy](#xx_fb9868cb-746b-4f2b-adc0-c2c4816d34c8_1)_______________________** | **2**  |
| ***[APPENDIX](#xx_a5b4daed-aecc-404a-b308-d54d2fba2191_1)*** |  |
| **[investment options AVAILABLE UNDER THE POLICY](#xx_a5b4daed-aecc-404a-b308-d54d2fba2191_1)__________________________________** | **5**  |

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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 continuation of life annuity payments may depend.

**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 Investment Options under the Policy that are part of our general assets and are not in the Separate Account.

**Individual Retirement Account or Annuity ("IRA")** - A retirement arrangement meeting the requirements of Section 408 of the Internal Revenue Code ("IRC").

**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** - This Policy is known as a flexible premium individual deferred variable annuity or a modified single premium individual deferred variable annuity. May also be referred to as a contract in certain documentation.

**Policy Anniversary** - The same date each year as the date of issue of the <u>Policy</u>.

**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;● gross withdrawals (withdrawals plus the surrender charge on the portion of the requested withdrawal that is subject to the surrender charge plus or minus any Excess Interest Adjustment 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 (including those imposed upon termination), if any.

**Policy Year** - The period from on <u>Policy Anniversary</u> to the day preceding the next Policy Anniversary.

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

**Separate Account -** Merrill Lynch Life Variable Annuity Separate Account A ("Account A") and Merrill Lynch Life Variable Annuity Separate Account B ("Account B"), are Separate Accounts established and registered as a unit investment trust under the Investment Company Act of 1940, as amended (the "1940 Act"), to which premium payments under the policies may be allocated.

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

**Service Center** - Where You send correspondence, inquiries and transaction requests. You may contact the Service Center by mail at 6400 C Street SW, Cedar Rapids, IA 52499, or by phone at (800)525-6205.

**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** 

**FEES AND EXPENSES** **Location in** **Prospectus** 

**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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**TAXES** **Location in** **Prospectus** 

**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/89345P267?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<sup>(1)</sup>** | **Current Expenses** | **1 year** | **5 years** | **10 years** |
| Long-term growth of capital. | AB Sustainable Global Thematic Portfolio - Class A<br>Advised by: AllianceBernstein L.P. | 1.00% | 6.32% | 3.28% | 10.08% |
| Seek high total investment return. | BlackRock Advantage Large Cap Core V.I. Fund - Class I<br>Advised by: BlackRock Advisors, LLC | 0.79% | 20.05% | 14.15% | 14.39% |
| Seek long-term capital appreciation. | BlackRock Advantage Large Cap Value V.I. Fund - Class I<br>Advised by: BlackRock Advisors, LLC | 1.15% | 18.38% | 12.71% | 11.15% |
| Seek long-term growth of capital. | BlackRock Advantage SMID Cap V.I. Fund - Class I<br>Advised by: BlackRock Advisors, LLC | 1.08% | 11.11% | 7.04% | 11.12% |
| To seek capital appreciation and, secondarily, income. | BlackRock Basic Value V.I. Fund - Class I<br>Advised by: BlackRock Advisors, LLC | 0.87% | 24.38% | 13.12% | 10.84% |
| To seek high total investment return. | BlackRock Global Allocation V.I. Fund - Class I<br>Advised by: BlackRock Advisors, LLC; Sub-Advised by: BlackRock International Limited | 0.80% | 19.80% | 5.79% | 7.59% |
| To seek to preserve capital, maintain liquidity and achieve the highest possible current income consistent with the foregoing. | BlackRock Government Money Market V.I. Fund - Class I<br>Advised by: BlackRock Advisors, LLC; Sub-Advised by: BlackRock Investment Management, LLC<sup>(2)</sup> | 0.64% | 4.06% | 3.05% | 1.99% |
| To seek to maximize total return, consistent with income generation and prudent investment management. | BlackRock High Yield V.I. Fund - Class I<br>Advised by: BlackRock Advisors, LLC; Sub-Advised by: BlackRock International Limited | 0.64% | 9.19% | 4.79% | 6.31% |
| Seeks long-term capital growth. | BlackRock International V.I. Fund - Class I<br>Advised by: BlackRock Advisors, LLC; Sub-Advised by: BlackRock International Limited | 1.17% | 15.53% | 2.49% | 6.43% |
| Seek investment results that, before expenses, correspond to the aggregate price and yield performance of the Standard & Poor's 500 Index (the "S&P 500" or the "Underlying Index"). | BlackRock S&P 500 Index V.I. Fund - Class I<br>Advised by: BlackRock Advisors, LLC | 0.13% | 17.72% | 14.28% | 14.63% |

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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<sup>(1)</sup>** | **Current Expenses** | **1 year** | **5 years** | **10 years** |
| To maximize total return, consistent with income generation and prudent investment management. | BlackRock Total Return V.I. Fund - Class I<br>Advised by: BlackRock Advisors, LLC; Sub-Advised by: BlackRock International Limited | 0.60% | 8.00% | -0.37% | 1.86% |
| Seeks to maximize total return, consistent with income generation and prudent investment management. | BlackRock U.S. Government Bond V.I. Fund - Class I<br>Advised by: BlackRock Advisors, LLC | N/A | N/A | N/A | N/A |
| Seeks long-term growth of capital. | Davis Equity Portfolio<br>Advised by: Davis Selected Advisers, L.P.; Sub-Advised by: Davis Selected Advisers-NY, Inc. | 0.71% | 27.24% | 13.39% | 12.52% |
| Seeks capital appreciation. | Federated Hermes Kaufmann Fund II - Primary<br>Advised by: Federated Global Investment Management Corp | 1.55% | 7.03% | 6.56% | 6.85% |
| Seeks to achieve high current income and moderate capital appreciation. | Federated Hermes Managed Volatility Fund II - Primary<br>Advised by: Federated Equity Management Company of Pennsylvania and Federated Investment Management Company | 1.12% | 7.03% | 6.56% | 6.85% |
| Seek capital growth and income through investments in equity securities, including common stocks, preferred stocks and securities convertible into common and preferred stocks. | Invesco V.I. Comstock Fund - Series I<br>Advised by: Invesco Advisers, Inc. | 0.75% | 17.45% | 15.43% | 11.95% |
| Seeks long-term capital growth. | LVIP American Century Ultra® Fund - Standard II<br>Advised by: Lincoln Financial Investments Corporation; Sub-Advised by: American Century Investment Management, Inc. | 0.77% | 12.84% | 11.68% | 17.16% |
| To seek capital appreciation. | MFS® Growth Series - Initial<br>Advised by: MFS® Investment Management | 0.74% | 12.19% | 11.10% | 15.60% |
| Seeks maximum total return, consistent with preservation of capital and prudent investment management. | PIMCO Total Return Portfolio - Administrative<br>Advised by: Pacific Investment Management Company LLC | 0.73% | 8.89% | 0.02% | 2.36% |
| 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 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% | 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% | 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% | 10.35% | 6.72% | 5.38% |

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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<sup>(1)</sup>** | **Current Expenses** | **1 year** | **5 years** | **10 years** |
| 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 current income and preservation of capital. | Transamerica Goldman Sachs Managed Risk - Conservative ETF VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Goldman Sachs Asset Management, L.P. | 0.66% | 10.07% | 3.31% | 4.43% |
| 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 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. | Transamerica Market Participation Strategy VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: PGIM Quantitative Solutions LLC | 0.98% | 10.02% | 6.46% | 8.15% |

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&nbsp;&nbsp;&nbsp;&nbsp;(1) 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;(2) 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.

**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.

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

**CLOSED INVESTMENT OPTIONS:**

Effective December 6, 1996, the following Subaccounts were 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 seek long-term total return and current income. | BlackRock Equity Dividend V.I. Fund - Class I<br>Advised by: BlackRock Advisors, LLC | 0.88% | 21.54% | 11.72% | 11.28% |
| To seek a level of current income and degree of stability of principal not normally available from an investment solely in equity securities, as well as the opportunity for capital appreciation greater than is normally available from an investment solely in debt securities. | BlackRock Managed Volatility V.I. Fund - Class I<br>Advised by: BlackRock Advisors, LLC; Sub-Advised by: BlackRock International Limited | 1.05% | 5.98% | 5.54% | 4.09% |

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Effective December 12, 2011, the following Subaccounts were 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** |
| Seeks capital growth. | Invesco V.I. American Franchise Fund - Series I<br>Advised by: Invesco Advisers, Inc. | 0.85% | 11.67% | 10.35% | 14.87% |
| Long-term growth of capital. | AB Large Cap Growth Portfolio - Class A<br>Advised by: AllianceBernstein L.P. | 0.65% | 13.13% | 12.04% | 16.17% |

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**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.

**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.**

**No Fixed Options are currently available.**

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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 #C0000214604 for Separate Account A and #C0000214620 for Separate Account B

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