# EDGAR Filing Document

**Accession Number:** 0000914245
**File Stem:** 0001104659-26-046742
**Filing Date:** 2026-4
**Character Count:** 51633
**Document Hash:** c502ed826faae465318a9b6d05a31f58
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-26-046742.hdr.sgml**: 20260422

**ACCESSION NUMBER**: 0001104659-26-046742

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260422

**DATE AS OF CHANGE**: 20260422

**EFFECTIVENESS DATE**: 20260422

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PROTECTIVE VARIABLE ANNUITY SEPARATE ACCOUNT
- **CENTRAL INDEX KEY:** 0000914245

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

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-190294
- **FILM NUMBER:** 26883304

**BUSINESS ADDRESS:**
- **STREET 1:** 2801 HIGHWAY 280 SOUTH
- **CITY:** BIRMINGHAM
- **STATE:** AL
- **ZIP:** 35223
- **BUSINESS PHONE:** 2052683109

**MAIL ADDRESS:**
- **STREET 1:** 2801 HIGHWAY 280 SOUTH
- **CITY:** BIRMINGHAM
- **STATE:** AL
- **ZIP:** 35223

## Series and Classes Contracts Data

### PROTECTIVE VARIABLE ANNUITY SEPARATE ACCOUNT (Series ID: S000010308)

| Class ID   | Class Name                                   | Ticker Symbol   |
|:---|:---|:---|
| C000131791 | Protective Variable Annuity Investors Series |  |

[**TABLE OF CONTENTS**](#TOC)

#### Updating Summary Prospectus for Existing Investors

#### May 1, 2026

---

| | |
|:---|:---|
| ***Protective Variable Annuity Investors Series***  | *Protective Life Insurance Company <br>Protective Variable Annuity Separate Account <br>P.O. Box 10648 <br>Birmingham, Alabama 35202-0648 <br>Telephone: 1-800-456-6330 <br>Fax: 205-268-6479 <br>www.protective.com*  |

---

This Updating Summary Prospectus summarizes key features of the Protective Variable Annuity Investors Series Contract (the "Contract"). You should read this Updating Summary Prospectus carefully, particularly the section titled Important Information You Should Consider About the Contract. The Contract is a complex investment and involves risks, including potential loss of prinicipal. Withdrawals could result in surrender charges, taxes, and tax penalities.

The Prospectus for the Protective Variable Annuity Investors Series Contract (the "Prospectus") contains more information about the Contract, including its features, benefits, and risks. You can find the Prospectus and other information about the Contract online at www.protective.com/productprospectus. You can also obtain this information at no cost by calling 1-800-456-6330 or by sending an email request to prospectus@protective.com.

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.

Protective Life Insurance Company's obligations under the Contract are subject to its financial strength and claims-paying ability.

*The SEC has not approved or disapproved these securities or passed upon the adequacy of this Summary Prospectus. Any representation to the contrary is a criminal offense.*

------

[**TABLE OF CONTENTS**](#TOC)

**TABLE OF CONTENTS**

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| | |
|:---|:---|
| [SPECIAL TERMS](#idSPECIALTERM14449)  | [3](#idSPECIALTERM14449)  |
| [UPDATED INFORMATION ABOUT YOUR CONTRACT](#idUPDATEDINFO5212)  | [5](#idUPDATEDINFO5212)  |
|  [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#idIMPORTANTIN21957)  | [5](#idIMPORTANTIN21957)  |

---

 [APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT](#idAPPENDIXINV86364)<sub>9</sub>

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[**TABLE OF CONTENTS**](#TOC)

#### SPECIAL TERMS
**"We", "us", "our", "Protective Life", and "Company"** refer to Protective Life Insurance Company. "You", "your" and "Owner" refer to the person(s) who has been issued a Contract.

**Accumulation Unit** A unit of measure used to calculate the value of a Sub-Account prior to the Annuity Date.

**Administrative Office** Protective Life Insurance Company, P.O. Box 10648, Birmingham, Alabama 35202-0648 (for Written Notice sent by U.S. postal service) or Protective Life Insurance Company, 2801 Highway 280 South, Birmingham, Alabama 35223 (for Written Notice sent by a nationally recognized overnight delivery service).

**Annuity Date** The date as of which the Annuity Value is applied to an Annuity Option.

**Annuity Option** The payout option under which the Company makes annuity income payments.

**Annuity Value** The amount we apply to the Annuity Option you have selected. Generally, this amount is your Contract Value plus any increase resulting from the PayStream Plus Annuitization Benefit, if applicable, less any applicable fees, charges and premium taxes.

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

**Contract** The Protective Variable Annuity Investors Series, a flexible premium, deferred, variable and fixed annuity contract.

**Contract Anniversary** The same month and day as the Issue Date in each subsequent year of the Contract.

**Contract Value** Before the Annuity Date, the sum of the Variable Account value and the Guaranteed Account value.

**Contract Year** Any period of 12 months commencing with the Issue Date or any Contract Anniversary.

**DCA** Dollar cost averaging.

**DCA Accounts** A part of the Guaranteed Account, but separate from the Fixed Account. The DCA Accounts are designed to transfer amounts to the Sub-Accounts of the Variable Account systematically over a designated period.

**Death Benefit** The amount we pay to the beneficiary if an Owner dies before the Annuity Date.

**Fixed Account** A part of the Guaranteed Account, but separate from the DCA Accounts. Amounts allocated or transferred to the Fixed Account earn interest from the date the funds are credited to the account.

**Fund** Any investment portfolio in which a corresponding Sub-Account invests.

**Good Order ("good order")** A request or transaction generally is considered in "Good Order" if we receive it in our Administrative Office within the time limits, if any, prescribed in the Prospectus for a particular transaction or instruction, it includes all information necessary for us to execute the requested instruction or transaction, and is signed by the individual or individuals authorized to provide the instruction or engage in the transaction. A request or transaction may be rejected or delayed if not in Good Order. Good Order generally means the actual receipt by us of the instructions relating to the request or transaction in writing (or, when permitted, by telephone or Internet as described above) along with all forms, information and supporting legal documentation we require to affect the instruction or transaction. This information and documentation generally includes, to the extent applicable: the completed application or instruction form; your contract number; the transaction amount (in dollars or percentage terms); the names and allocations to and/or from the Investment Options affected by the requested transaction; the signatures of all Owners (exactly as indicated on the Contract), if necessary; Social Security Number or Tax I.D.; and any other information or supporting documentation that we may require, including any spousal or Joint Owner's consents. With respect to Purchase Payments, Good Order also generally includes receipt by us of sufficient funds to affect the purchase. We may, in our sole discretion, determine whether any particular transaction request is in Good Order, and we reserve the right to change or waive any Good Order requirement at any time. If you have any questions, you should contact us or your registered representative before submitting the form or request.

**Guaranteed Account** The Fixed Account, the DCA Accounts and any other Investment Option we may offer with interest rate guarantees.

**Investment Option** Any account to which you may allocate Purchase Payments or transfer Contract Value under this Contract. The Investment Options are the Sub-Accounts of the Variable Account and the Guaranteed Account available in this Contract.

**Issue Date** The date as of which we credit the initial Purchase Payment to the Contract and the date the Contract takes effect.

------

[**TABLE OF CONTENTS**](#TOC)

**Monthly Anniversary Date** The same day each month as the Issue Date, or the last day of any month that does not have the same day as the Issue Date.

**Owner** The person or persons who own the Contract and are entitled to exercise all rights and privileges provided in the Contract.

**Purchase Payment** The amount(s) paid by the Owner and accepted by the Company as consideration for this Contract.

**Qualified Contracts** Contracts issued in connection with retirement plans that receive favorable tax treatment under Sections 401, 408, 408A or 457 of the Code.

**Qualified Plans** Retirement plans that receive favorable tax treatment under Sections 401, 408, 408A or 457 of the Code.

**Sub-Account** A separate division of the Variable Account.

**Variable Account** The Protective Variable Annuity Separate Account, a separate investment account of Protective Life.

**Written Notice** A notice or request submitted in writing in Good Order that we receive at the Administrative Office via U.S. postal service or nationally recognized overnight delivery service. Please note that we use the term "written notice" in lower case to refer to a notice that we may send to you.

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[**TABLE OF CONTENTS**](#TOC)

#### UPDATED INFORMATION ABOUT YOUR CONTRACT
The information in this section of the Updating Summary Prospectus is a summary of certain Contract features that have changed since the Prospectus dated May 1, 2025. This may not reflect all of the changes that have occurred since you entered into your Contract.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Templeton Asset Management Ltd. was removed as the sub-adviser for the Templeton Growth VIP Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Invesco Asset Management Limited was removed as the sub-adviser for the Invesco<sup>®</sup> V.I. Global Real Estate Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The ClearBridge Variable Mid Cap Portfolio, LVIP ClearBridge Dividend Strategy Fund, LVIP ClearBridge Large Cap Growth Fund, and Western Asset Core Plus VIT Portfolio were closed to applications signed on or after May 1, 2026.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Fidelity<sup>®</sup> VIP Target Volatility Portfolio was liquidated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Columbia Limited Duration Credit Fund changed its name to the Columbia Select Short Corporate Income Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The MFS<sup>®</sup> VIT II International Intrinsic Value Portfolio changed its name to the MFS<sup>®</sup> VIT II International Intrinsic Equity Portfolio.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ClearBridge Variable Dividend Strategy Portfolio was reorganized into LVIP ClearBridge Dividend Strategy Fund and ClearBridge Variable Large Cap Growth Portfolio was reorganized into LVIP ClearBridge Large Cap Growth Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Lord Abbett Series Fund - Growth and Income Portfolio was added as an available investment option.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Templeton Developing Markets VIP Fund changed its name to the Templeton Emerging Markets VIP Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; For updated Fund performance and fee information please see "APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT".

#### IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT

---

| | |
|:---|:---|
| **FEES, EXPENSES, AND ADJUSTMENTS** | **FEES, EXPENSES, AND ADJUSTMENTS** |
| **Are There Charges or Adjustments for Early Withdrawals?** | **Yes.** If you surrender or make a withdrawal from your Contract within seven (7) years following your last Purchase Payment and before the Annuity Date, you will be assessed a surrender charge of up to 7% on the amount of the withdrawal minus the annual free withdrawal amount. The surrender charge starts at 7% and declines to 0% over seven (7) years.<br> For example, assume you purchased a Contract with a single Purchase Payment of $100,000 and surrendered the Contract during the first Contract Year. Your free withdrawal amount is $10,000 (10% x $100,000) and is not subject to a surrender charge. You will be assessed a surrender charge of up to $6,300 (7% x $90,000) on the remaining amount of your surrender request.<br> For additional information about charges for surrenders and early withdrawals, see "CHARGES AND DEDUCTIONS – Surrender Charge (Contingent Deferred Sales Charge)" and "FEE TABLE -- Transactions Fees" in the Prospectus. |
| **Are There Transaction Charges?** | **Yes.** In addition to surrender charges, you may also be charged $25 per transfer after the first 12 transfers in a Contract Year. Currently, we do not assess this charge.<br> For additional information about transaction charges, see "FEE TABLE - Transaction Expenses" and "CHARGES AND DEDUCTIONS" in the Prospectus. |
| **Are There Ongoing Fees and Expenses (annual charges)?** | **Yes. The table below describes the fees and expenses that you may pay *each year*, depending on the options 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.**  |

---

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| | | |
|:---|:---|:---|
| **Annual Fee**  | **Minimum**  | **Maximum**  |
| Base contract <sup>(1)</sup> | 1.02% | 1.02% |
| Investment options (Fund fees and expenses) <sup>(2)</sup> | 0.34% | 5.82% |
| Optional benefits available for an additional charge |  |  |

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[**TABLE OF CONTENTS**](#TOC)

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| | | |
|:---|:---|:---|
| **Annual Fee**  | **Minimum**  | **Maximum**  |
| &nbsp;&nbsp;&nbsp; Return of Purchase Payments Death Benefit Fee (if elected) <sup>(3)</sup> | 0.20% | 0.20% |

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

*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; As a percentage of average Variable Account Value. We calculate the Base Contract fee by dividing the total amount we receive from the annual contract maintenance fee, the mortality and expense risk charge and the administration charge for the last fiscal year by the total average net assets attributable to the Contracts for that year.*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(2)</sup>

 *As a percentage of Fund assets.* 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(3)</sup>

*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; As an annualized percentage of the death benefit value. The Return of Purchase Payments Death Benefit Fee is paid on each Monthly Anniversary Date, beginning on the 1st Monthly Anniversary Date.*

Because your Contract is customizable, the options and benefits you choose can 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. These estimates assume that you do not take any withdrawals from the Contract, **which could add surrender charges, that substantially increase costs.**

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| | |
|:---|:---|
| **Lowest Annual Cost: <br>$1,391**  | **Highest Annual Cost: <br>$3,753**  |
| Assumes: | Assumes: |
| &nbsp;&nbsp;&nbsp; • &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Investment of $100,000 <br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5% annual appreciation<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Least expensive combination of Fund fees and expenses<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No optional benefits<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No additional Purchase Payments, transfers or withdrawals<br>| &nbsp;&nbsp;&nbsp; • &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Investment of $100,000<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5% annual appreciation<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Most expensive combination of optional benefits and Fund fees and expenses<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No additional Purchase Payments, transfers, or withdrawals<br>|

---

For additional information about annual charges, see "FEE TABLE" AND "CHARGES AND DEDUCTIONS" in the Prospectus.

---

| | |
|:---|:---|
| **RISKS** | **RISKS** |
| **Is There a Risk of Loss From Poor Performance?** | **Yes. You can lose money by investing in this Contract, including loss of principal.<br> For additional information about the risk of loss, see "PRINCIPAL RISKS OF INVESTING IN THE CONTRACT" in the Prospectus.**  |
| **Is Thisa Short-Term Investment?** | **No.** This Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Although you are permitted to take withdrawals or surrender the Contract, surrender charges and federal and state income taxes may apply.<br> Surrender charges may apply for up to seven (7) years following your last Purchase Payment. Withdrawals will reduce your Contract Value and death benefit. <br> The benefits of tax deferral also mean the Contract is less beneficial to investors with a short time horizon.<br> For additional information about the investment profile of the Contract, see "PRINCIPAL RISKS OF INVESTING IN THE CONTRACT," "CHARGES AND DEDUCTIONS," "FEDERAL TAX MATTERS," and "TAXATION OF ANNUITIES IN GENERAL" in the Prospectus. |
| **What are the Risks Associated with the Investment Options?** | An investment in this 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.<br> Each Investment Option (including the Guaranteed Account) has its own unique risks.<br> You should review the prospectuses for the available Funds and consult with your financial professional before making an investment decision.<br> For additional information about the risks associated with Investment Options, see "PRINCIPAL RISKS OF INVESTING IN THE CONTRACT" in the Prospectus. |

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[**TABLE OF CONTENTS**](#TOC)

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| | |
|:---|:---|
| **RISKS** | **RISKS** |
| **What are the Risks Related to the Insurance Company?** | An investment in the Contract is subject to the risks related to the Company. Any obligations (including under the Guaranteed Account), guarantees, or benefits under the Contract are subject to the claims-paying ability of the Company. More information about the Company, including its financial strength ratings, is available upon request at no charge by calling us at 1-800-456-6330 or writing us at the address shown on the cover page.<br> For additional information about Company risks, see "PRINCIPAL RISKS OF INVESTING IN THE CONTRACT," and "THE COMPANY, VARIABLE ACCOUNT AND FUNDS" in the Prospectus. |

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| | |
|:---|:---|
| **RESTRICTIONS** | **RESTRICTIONS** |
| **Are There Restrictions on the Investment Options?** | **Yes.** Currently, there is no charge when you transfer Contract Value among Investment Options. However, we reserve the right to charge $25 for each transfer after the first 12 transfers in any Contract Year in the future.<br> We reserve the right to remove or substitute Funds as Investment Options that are available under the Contract. We also reserve the right to restrict the allocation of additional Purchase Payments and/or transfers of Contract Value to a Fund if we determine the Fund no longer meets one or more of our Fund selection criteria and/or if a Fund has not attracted significant contract owner assets.<br> For additional information about Investment Options, see "CHARGES AND DEDUCTIONS – Transfer Fee" and "THE COMPANY, VARIABLE ACCOUNT AND FUNDS – Selection of Funds – Addition, Deletion or Substitutions of Investments" in the Prospectus. |
| **Are There any Restrictions on Contract Benefits?** | **Yes.** If you elect to participate in the optional Allocation Adjustment Program, you may not allocate Purchase Payments into restricted Sub-Accounts.<br> Withdrawals may reduce the optional Return of Purchase Payments Death Benefit by an amount greater than the value withdrawn, and could terminate the benefit.<br> We may stop offering the optional death benefit at any time.<br> For additional information about the optional death benefit, see "DEATH BENEFITS - Selecting A Death Benefit" in the Prospectus. |

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| | |
|:---|:---|
| **TAXES** | **TAXES** |
| **What Are the Contract's Tax Implications?** | You should consult with a qualified tax advisor regarding the federal tax implications of an investment in, payments received under, and other transactions in connection with this Contract.<br> If you purchase the Contract through a tax-qualified plan or individual retirement arrangement (IRA), you do not get any additional tax deferral. Generally, all earnings on the investments underlying the Contract are tax-deferred until distributed or deemed distributed. A distribution from a non-Qualified Contract, which includes a surrender, withdrawal, payment of a death benefit, or annuity income payments, will generally result in taxable income if there has been an increase in the Contract Value. In the case of a Qualified Contract, a distribution generally will result in taxable income even if there has not been an increase in the Contract Value. In certain circumstances, a 10% additional tax may also apply if the Owner takes a withdrawal before age 59½. All amounts includable in income with respect to the Contract are taxed as ordinary income; no amounts are taxed at the special lower rates applicable to long term capital gains and corporate dividends. <br> For additional information about tax implications, see "FEDERAL TAX MATTERS" and "TAXATION OF ANNUITIES IN GENERAL" in the Prospectus. |

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[**TABLE OF CONTENTS**](#TOC)

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| | |
|:---|:---|
| **CONFLICTS OF INTEREST** | **CONFLICTS OF INTEREST** |
| **How Are Investment Professionals Compensated?** | We pay compensation, in the form of commissions, non-cash compensation, and asset-based compensation, to broker-dealers in connection with the promotion and sale of the Contracts. A portion of any payments made to the broker-dealers may be passed on to their registered representatives in accordance with their internal compensation programs. The prospect of receiving, or the receipt of, asset-based compensation may provide broker-dealers and/or their registered representatives with an incentive to recommend initial or continued investment in the Contracts over other variable insurance products (or other investments). You may wish to take such compensation arrangements into account when considering and evaluating any recommendation relating to the Contracts.<br> For additional information about compensation, see "DISTRIBUTION OF THE CONTRACTS" in the Prospectus. |
| **Should I Exchange My Contract?** | Some investment professionals may have a financial incentive to offer you a new contract in place of the contract you already own. You should only exchange your current contract if you determine, after comparing the features, fees, and risks of both contracts, that it is better for you to purchase the new contract rather than continue to own your existing contract.<br> For additional information about exchanges, see "TAXATION OF ANNUITIES IN GENERAL – Exchanges of Annuity Contracts" in the Prospectus. |

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[**TABLE OF CONTENTS**](#TOC)

#### APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT
The following is a list of Funds available under the Contract. More information about the Funds is available in the prospectuses for the Funds, which may be amended from time to time and can be found online at www.protective.com/eprospectus. You can also request this information at no cost by calling 1-800-456-6330 or by sending an email request to prospectus@protective.com. Depending on the optional benefits you choose, you may not be able to invest in certain Funds.

The current expenses and performance information below reflects fee and expenses of the Funds, 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 Fund's past performance is not necessarily an indication of future performance.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Asset<br>Allocation <br>Type** |  ***Portfolio Company - Investment Adviser; Sub-<br>Adviser(s), as applicable*** | **Current <br>Expenses** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |
| **Asset<br>Allocation <br>Type** |  ***Portfolio Company - Investment Adviser; Sub-<br>Adviser(s), as applicable*** | **Current <br>Expenses** | **1 Year**  | **5 Year**  | **10 Year**  |
| U.S. Equity | AB Variable Products Series Fund, Inc. - Discovery Value Portfolio - Class B - AllianceBernstein L.P. <sup>(5)</sup> | 1.07% | 2.64% | 8.48% | 8.27% |
| U.S. Equity | AB Variable Products Series Fund, Inc. - Large Cap Growth Portfolio - Class B - AllianceBernstein L.P.<sup>(5)</sup> | 0.90% | 12.85% | 11.76% | 15.88% |
| U.S. Equity | AB Variable Products Series Fund, Inc. - Relative Value Portfolio - Class B - AllianceBernstein L.P.<sup>(5)</sup> | 0.85% | 10.20% | 11.15% | 10.30% |
| U.S. Equity | AB Variable Products Series Fund, Inc. - Small Cap Growth Portfolio - Class B - AllianceBernstein L.P.<sup>(1)(5)</sup> | 1.15% | 4.45% | -0.69% | 10.99% |
| Allocation | American Funds Insurance Series<sup>®</sup> Asset Allocation Fund - Class 4 - Capital Research and Management Company | 0.79% | 15.59% | 8.70% | 9.50% |
| Allocation | American Funds Insurance Series<sup>®</sup> Capital Income Builder<sup>®</sup> - Class 4 - Capital Research and Management Company<sup>(1)</sup> | 0.77% | 20.16% | 8.82% | 7.32% |
| International <br>Equity | American Funds Insurance Series<sup>®</sup> Capital World Growth and Income Fund<sup>®</sup> - Class 4 - Capital Research and Management Company<sup>(1)</sup> | 0.91% | 24.46% | 10.01% | 10.74% |
| International <br>Equity | American Funds Insurance Series<sup>®</sup> Global Growth Fund - Class 4 - Capital Research and Management Company<sup>(1)(5)</sup> | 0.90% | 21.34% | 7.97% | 11.89% |
| U.S. Equity | American Funds Insurance Series<sup>®</sup> Growth Fund - Class 4 - Capital Research and Management Company<sup>(5)</sup> | 0.83% | 19.93% | 13.09% | 17.67% |
| U.S. Equity | American Funds Insurance Series<sup>®</sup> Growth-Income Fund - Class 4 - Capital Research and Management Company | 0.78% | 17.77% | 13.62% | 13.63% |
| Taxable Bond | American Funds Insurance Series<sup>®</sup> The Bond Fund of America<sup>®</sup> - Class 4 - Capital Research and Management Company<sup>(1)</sup> | 0.72% | 6.98% | -0.38% | 2.11% |
| Taxable Bond | American Funds Insurance Series<sup>®</sup> U.S. Government Securities Fund<sup>®</sup> - Class 4 - Capital Research and Management Company<sup>(1)</sup> | 0.75% | 7.54% | -0.49% | 1.45% |
| Allocation | BlackRock 60/40 Target Allocation ETF V.I. Fund - Class III<sup>(1)(5)</sup> | 0.58% | 15.37% | 7.05% | 8.45% |
| Allocation | BlackRock Global Allocation V.I. Fund - Class III <sup>(1)(5)</sup> | 1.01% | 19.42% | 5.51% | 7.33% |
| U.S. Equity | ClearBridge Variable Mid Cap Portfolio - Class II - Franklin Templeton Fund Adviser, LLC<sup>(5)</sup><sup>(6)</sup> | 1.07% | 4.08% | 4.23% | 7.24% |
| U.S. Equity | ClearBridge Variable Small Cap Growth Portfolio - Class II - Franklin Templeton Fund Adviser, LLC<sup>(5)</sup> | 1.06% | 8.97% | -0.42% | 9.11% |
| Allocation | Columbia Variable Portfolio - Balanced Fund - Class 2<sup>(5)</sup> | 1.00% | 13.75% | 8.45% | 9.48% |
| Taxable Bond | Columbia Variable Portfolio - Intermediate Bond Fund - Class 2 | 0.77% | 8.84% | -0.68% | 2.52% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Asset<br>Allocation <br>Type** |  ***Portfolio Company - Investment Adviser; Sub-<br>Adviser(s), as applicable*** | **Current <br>Expenses** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |
| **Asset<br>Allocation <br>Type** |  ***Portfolio Company - Investment Adviser; Sub-<br>Adviser(s), as applicable*** | **Current <br>Expenses** | **1 Year**  | **5 Year**  | **10 Year**  |
| Taxable Bond | Columbia Variable Portfolio - Select Short Corporate Income Fund - Class 2 (formerly, Columbia Variable Portfolio-Limited Duration Credit Fund)<sup>(1)</sup> | 0.66% | 6.00% | 1.90% | 2.94% |
| U.S. Equity | Columbia Variable Portfolio - Select Mid Cap Value Fund - Class 2<sup>(1)(5)</sup> | 1.07% | 13.87% | 10.90% | 10.17% |
| Taxable Bond | Columbia Variable Portfolio - Strategic Income Fund - Class 2<sup>(1)(5)</sup> | 0.94% | 6.88% | 1.87% | 3.99% |
| Allocation | *Fidelity<sup>®</sup> VIP Asset Manager 50% Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited<sup>(1)(5)</sup>* | 0.76% | 14.72% | 5.41% | 6.87% |
| Allocation | *Fidelity<sup>®</sup> VIP Balanced Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited<sup>(5)</sup>* | 0.66% | 14.96% | 9.24% | 10.84% |
| U.S. Equity | *Fidelity<sup>®</sup> VIP Contrafund<sup>®</sup> Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited<sup>(5)</sup>* | 0.79% | 21.24% | 15.08% | 15.49% |
| Sector Equity | *Fidelity<sup>®</sup> VIP Energy Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited<sup>(5)</sup>* | 0.85% | 10.34% | 23.86% | 7.69% |
| Allocation | Fidelity<sup>®</sup> VIP FundsManager 20% Portfolio - Service Class 2<sup>(1)</sup> | 0.62% | 9.03% | 3.00% | 4.08% |
| Allocation | Fidelity<sup>®</sup> VIP FundsManager 85% Portfolio - Service Class 2<sup>(1)(5)</sup> | 0.83% | 19.26% | 8.93% | 10.34% |
| Sector Equity | *Fidelity<sup>®</sup> VIP Health Care Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited<sup>(5)</sup>* | 0.84% | 14.10% | 3.92% | _ |
| U.S. Equity | Fidelity<sup>®</sup> VIP Index 500 Portfolio - Service Class 2 - *Geode Capital Management, LLC*<sup>(5)</sup> | 0.34% | 17.48% | 14.03% | 14.42% |
| Taxable Bond | *Fidelity<sup>®</sup> VIP Investment Grade Bond Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited* | 0.62% | 6.93% | -0.21% | 2.45% |
| U.S. Equity | *Fidelity<sup>®</sup> VIP Mid Cap Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited<sup>(5)</sup>* | 0.80% | 11.49% | 9.83% | 10.31% |
| U.S. Equity | Franklin DynaTech VIP Fund - Class 2<sup>(5)</sup> | 0.88% | 18.13% | 9.09% | 14.08% |
| Allocation | Franklin Income VIP Fund - Class 2<sup>(5)</sup> | 0.72% | 12.56% | 7.66% | 7.30% |
| International <br>Equity | Franklin Mutual Global Discovery VIP Fund - Class 2<sup>(4)</sup> | 1.16% | 23.34% | 12.00% | 8.52% |
| Allocation | Franklin Mutual Shares VIP Fund - Class 2<sup>(4)(5)</sup> | 0.94% | 11.52% | 9.20% | 7.53% |
| U.S. Equity | Franklin Rising Dividends VIP Fund - Class 2<sup>(5)</sup> | 0.89% | 11.80% | 9.50% | 12.10% |
| U.S. Equity | Franklin Small Cap Value VIP Fund - Class 2<sup>(1)(5)</sup> | 0.91% | 7.65% | 8.86% | 9.81% |
| U.S. Equity | Franklin Small-Mid Cap Growth VIP Fund - Class 2<sup>(5)</sup> | 1.09% | 2.52% | 1.03% | 9.89% |
| Taxable Bond | Franklin Strategic Income VIP Fund - Class 2<sup>(1)</sup> | 1.07% | 7.24% | 1.92% | 3.10% |
| Taxable Bond | Franklin U.S. Government Securities VIP Fund - Class 2 | 0.79% | 6.69% | 0.02% | 1.14% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Asset<br>Allocation <br>Type** |  ***Portfolio Company - Investment Adviser; Sub-<br>Adviser(s), as applicable*** | **Current <br>Expenses** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |
| **Asset<br>Allocation <br>Type** |  ***Portfolio Company - Investment Adviser; Sub-<br>Adviser(s), as applicable*** | **Current <br>Expenses** | **1 Year**  | **5 Year**  | **10 Year**  |
| International <br>Equity | Goldman Sachs VIT International Equity Insights Fund - Service Class<sup>(1)(5)</sup> | 1.06% | 38.15% | 10.80% | 7.96% |
| U.S. Equity | Goldman Sachs VIT Mid Cap Growth Fund - Service Class<sup>(1)(5)</sup> | 0.98% | 7.36% | 4.67% | 11.58% |
| U.S. Equity | Goldman Sachs VIT Mid Cap Value Fund - Service Class<sup>(1)(4)(5)</sup>  | 1.06% | 9.13% | 9.77% | 9.75% |
| U.S. Equity | Goldman Sachs VIT Small Cap Equity Insights Fund - Service Class<sup>(1)(5)</sup> | 1.07% | 15.82% | 10.19% | 10.57% |
| U.S. Equity | Goldman Sachs VIT Strategic Growth Fund - Service Class<sup>(1)(5)</sup> | 0.95% | 17.58% | 12.47% | 16.13% |
| Allocation | Goldman Sachs VIT Trend Driven Allocation Fund - Service Class<sup>(1)</sup> | 0.96% | 9.89% | 5.91% | 5.77% |
| Taxable Bond | Guggenheim Variable Funds Trust - Series F (Floating Rate Strategies Series)<sup>(1)</sup> | 1.15% | 3.57% | 4.56% | 4.12% |
| Alternative | Guggenheim Variable Insurance Funds - Guggenheim Alternative Fund - Global Managed Futures Strategy Fund - Security Investors, LLC, operating under Guggenheim Investments<sup>(1)</sup> | 2.18% | 3.65% | 3.94% | 1.27% |
| Alternative | Guggenheim Variable Insurance Funds - Guggenheim Alternative Fund - Multi-Hedge Strategies Fund - Security Investors, LLC, operating under Guggenheim Investments<sup>(1)</sup> | 1.75% | 1.25% | 1.23% | 1.62% |
| U.S. Equity | Invesco<sup>®</sup> V.I. American Value Fund - Series II<sup>(5)</sup> | 1.14% | 20.76% | 17.56% | 12.01% |
| Allocation | Invesco<sup>®</sup> V.I. Balanced-Risk Allocation Fund - Series II<sup>(1)</sup> | 1.13% | 8.69% | 2.27% | 4.91% |
| U.S. Equity | Invesco<sup>®</sup> V.I. Comstock Fund - Series II<sup>(5)</sup> | 1.00% | 17.14% | 15.14% | 11.67% |
| U.S. Equity | Invesco<sup>®</sup> V.I. Discovery Large Cap Fund - Series II<sup>(1)(5)</sup> | 1.05% | 12.53% | 11.41% | 13.94% |
| U.S. Equity | Invesco<sup>®</sup> V.I. Discovery Mid Cap Growth Fund - Series II<sup>(5)</sup> | 1.11% | 4.53% | 3.64% | 11.10% |
| Allocation | Invesco<sup>®</sup> V.I. Equity and Income Fund - Series II<sup>(5)</sup> | 0.82% | 12.52% | 8.68% | 8.64% |
| International <br>Equity | Invesco<sup>®</sup> V.I. EQV International Equity Fund - Series II<sup>(5)</sup> | 1.15% | 16.23% | 3.42% | 5.95% |
| International <br>Equity | Invesco<sup>®</sup> V.I. Global Fund - Series II <sup>(5)</sup> | 1.06% | 15.02% | 7.01% | 10.72% |
| Sector Equity | Invesco<sup>®</sup> V.I. Global Real Estate Fund - Series II<sup>(5)</sup> | 1.27% | 7.61% | 1.49% | 2.18% |
| Taxable Bond | Invesco<sup>®</sup> V.I. Global Strategic Income Fund - Series II<sup>(1)(4)</sup> | 1.20% | 12.75% | 1.39% | 2.76% |
| Taxable Bond | Invesco<sup>®</sup> V.I. Government Securities Fund - Series II | 0.95% | 6.95% | -0.22% | 1.34% |
| U.S. Equity | Invesco<sup>®</sup> V.I. Growth and Income Fund - Series II<sup>(5)</sup> | 1.00% | 15.30% | 12.56% | 10.46% |
| U.S. Equity | Invesco<sup>®</sup> V.I. Main Street Fund<sup>®</sup> - Series II<sup>(1)(5)</sup>  | 1.05% | 15.64% | 12.19% | 12.25% |
| U.S. Equity | Invesco<sup>®</sup> V.I. Main Street Small Cap Fund<sup>®</sup> - Series II<sup>(5)</sup> | 1.09% | 8.44% | 8.07% | 10.31% |
| U.S. Equity | Invesco<sup>®</sup> V.I. Small Cap Equity Fund - Series II<sup>(5)</sup> | 1.21% | 7.83% | 7.06% | 9.28% |
| Money Market | Invesco<sup>®</sup> V.I. U.S. Government Money Portfolio - Series I  | 0.67% | 3.64% | 2.80% | 1.76% |
| Taxable Bond | Lord Abbett Series Fund - Bond Debenture Portfolio - Class VC | 0.98% | 8.33% | 2.10% | 4.72% |
| U.S. Equity | Lord Abbett Series Fund - Dividend Growth Portfolio - Class VC<sup>(1)(5)</sup> | 0.99% | 15.98% | 12.34% | 13.06% |
| U.S. Equity | Lord Abbett Series Fund - Fundamental Equity Portfolio - Class VC<sup>(1)(5)</sup> | 1.08% | 14.29% | 11.36% | 9.75% |
| U.S. Equity | Lord Abbett Series Fund- Growth and Income Portfolio- Class VC<sup>(5)</sup> | 0.93% | 17.29% | 13.34% | 11.12% |
| U.S. Equity | Lord Abbett Series Fund - Growth Opportunities Portfolio - Class VC<sup>(5)</sup> | 1.15% | 12.94% | 3.23% | 10.41% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Asset<br>Allocation <br>Type** |  ***Portfolio Company - Investment Adviser; Sub-<br>Adviser(s), as applicable*** | **Current <br>Expenses** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |
| **Asset<br>Allocation <br>Type** |  ***Portfolio Company - Investment Adviser; Sub-<br>Adviser(s), as applicable*** | **Current <br>Expenses** | **1 Year**  | **5 Year**  | **10 Year**  |
| U.S. Equity | Lord Abbett Series Fund - Mid Cap Stock Portfolio - Class VC<sup>(4)(5)</sup> | 1.15% | 7.05% | 10.16% | 7.98% |
| Taxable Bond | Lord Abbett Series Fund - Short Duration Income Portfolio - Class VC<sup>(1)</sup> | 0.72% | 5.90% | 2.25% | 2.62% |
| U.S. Equity | LVIP ClearBridge Dividend Strategy Fund - Service Class - Lincoln Financial Investments Corporation<sup>(1)(5)(6)</sup> (formerly, ClearBridge Variable Dividend Strategy Portfolio - Class II) | 1.00% | 12.46% | 11.69% | 12.29% |
| U.S. Equity | LVIP ClearBridge Large Cap Growth Fund - Service Class - Lincoln Financial Investments Corporation<sup>(1)(5)(6)</sup> (formerly, ClearBridge Variable Large Cap Growth Portfolio - Class II) | 0.99% | 8.35% | 10.29% | - |
| U.S. Equity | MFS<sup>®</sup> VIT Growth Series - Service Class - Massachusetts Financial Services Company<sup>(1)(2)(5)</sup> | 0.98% | 11.90% | 10.82% | 15.31% |
| International <br>Equity | MFS<sup>®</sup> VIT II Emerging Markets Equity Portfolio - Service Class - Massachusetts Financial Services Company<sup>(1)(2)(5)</sup> | 1.48% | 33.35% | 4.11% | 7.65% |
| International <br>Equity | MFS<sup>®</sup> VIT II International Intrinsic Equity Value Portfolio - Service Class - Massachusetts Financial Services Company<sup>(1)(2)(5)</sup> (formerly, MFS<sup>®</sup> VIT II International Intrinsic Value Portfolio) | 1.14% | 32.96% | 7.02% | 9.68% |
| U.S. Equity | MFS<sup>®</sup> VIT II Massachusetts Investors Growth Stock Portfolio - Service Class - Massachusetts Financial Services Company<sup>(1)(2)(5)</sup> | 0.97% | 9.61% | 9.74% | 13.98% |
| U.S. Equity | MFS<sup>®</sup> VIT Investors Trust Series - Service Class - Massachusetts Financial Services Company<sup>(1)(2)(5)</sup> | 0.99% | 13.32% | 11.06% | 12.21% |
| U.S. Equity | MFS<sup>®</sup> VIT New Discovery Series - Service Class - Massachusetts Financial Services Company<sup>(1)(2)(5)</sup> | 1.12% | 12.56% | -0.54% | 10.46% |
| U.S. Equity | MFS<sup>®</sup> VIT Research Series - Service Class - Massachusetts Financial Services Company<sup>(1)(2)(5)</sup> | 0.99% | 12.57% | 10.87% | 12.65% |
| Taxable Bond | MFS<sup>®</sup> VIT Total Return Bond Series - Service Class - Massachusetts Financial Services Company<sup>(1)(2)</sup> | 0.78% | 6.94% | -0.09% | 2.38% |
| Allocation | MFS<sup>®</sup> VIT Total Return Series - Service Class - Massachusetts Financial Services Company<sup>(1)(2) (5)</sup> | 0.86% | 10.91% | 6.16% | 7.36% |
| Sector Equity | MFS<sup>®</sup> VIT Utilities Series - Service Class - Massachusetts Financial Services Company<sup>(1)(2) (5)</sup> | 1.03% | 14.76% | 7.38% | 9.22% |
| U.S. Equity | MFS<sup>®</sup> VIT Value Series - Service Class - Massachusetts Financial Services Company<sup>(1)(2)(5)</sup> | 0.94% | 12.77% | 9.69% | 9.77% |
| Allocation | PIMCO VIT All Asset Portfolio - Advisor Class - Pacific Investment Management Company LLC *Research Affiliates LLC*<sup>(1)(5)</sup> | 2.225% | 14.19% | 5.49% | 6.67% |
| Allocation | PIMCO VIT Global Diversified Allocation Portfolio - Advisor Class - Pacific Investment Management Company LLC<sup>(1)</sup> | 1.22% | 15.07% | 5.23% | 6.44% |
| Taxable Bond | PIMCO VIT High Yield Portfolio - Advisor Class - Pacific Investment Management Company LLC<sup>(5)</sup> | 0.91% | 8.85% | 3.87% | 5.47% |
| Taxable Bond | PIMCO VIT Income Portfolio - Advisor Class - Pacific Investment Management Company LLC<sup>(5)</sup> | 1.02% | 10.08% | 3.31% | - |
| Taxable Bond | PIMCO VIT Long-Term U.S. Government Portfolio - Advisor Class - Pacific Investment Management Company LLC | 2.575% | 6.04% | -6.91% | -0.09% |
| Taxable Bond | PIMCO VIT Low Duration Portfolio - Advisor Class - Pacific Investment Management Company LLC | 0.76% | 5.42% | 1.47% | 1.69% |
| Taxable Bond | PIMCO VIT Real Return Portfolio - Advisor Class - Pacific Investment Management Company LLC | 1.49% | 7.74% | 1.11% | 3.11% |
| Taxable Bond | PIMCO VIT Short-Term Portfolio - Advisor Class - Pacific Investment Management Company LLC | 0.75% | 4.57% | 3.14% | 2.65% |
| Taxable Bond | PIMCO VIT Total Return Portfolio - Advisor Class - Pacific Investment Management Company LLC | 0.83% | 8.78% | -0.08% | 2.26% |

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| | | | | |
|:---|:---|:---|:---|:---|
| **Asset<br>Allocation <br>Type** | **Current <br>Expenses** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |
| **Asset<br>Allocation <br>Type** | **Current <br>Expenses** | **1 Year**  | **5 Year**  | **10 Year**  |
| Allocation<br> Protective Life Dynamic Allocation Series - Conservative Portfolio - Janus Henderson Investors US LLC<sup>(1)</sup> | 0.90% | 11.17% | 3.76% | - |
| Allocation<br> Protective Life Dynamic Allocation Series - Growth Portfolio - Janus Henderson Investors US LLC<sup>(1)</sup> | 0.90% | 16.01% | 8.77% | - |
| Allocation<br> Protective Life Dynamic Allocation Series - Moderate Portfolio - Janus Henderson Investors US LLC<sup>(1)</sup> | 0.90% | 12.70% | 5.28% | - |
| U.S. Equity<br> Royce Capital Micro-Cap Portfolio - Service Class<sup>(4)(5)</sup>  | 1.52% | 13.58% | 8.85% | 9.86% |
| U.S. Equity<br> Royce Capital Small-Cap Portfolio - Service Class<sup>(4)(5)</sup>  | 1.44% | 8.73% | 10.40% | 7.63% |
| Commodities<br> Rydex Variable Trust Commodities Strategy Fund - Security Investors, LLC, operating under Guggenheim Investments<sup>(1)(3)</sup> | 1.73% | 4.89% | 12.80% | 4.76% |
| Miscellaneous<br> Rydex Variable Trust Inverse Government Long Bond Strategy Fund - Security Investors, LLC, operating under Guggenheim Investments<sup>(1)(3)</sup> | 5.67% | 1.85% | 12.87% | 1.41% |
| U.S. Equity<br> T. Rowe Price<sup>®</sup> Blue Chip Growth Portfolio - II Class<sup>(5)</sup> | 1.00% | 18.43% | 11.41% | 15.25% |
| Sector Equity<br> T. Rowe Price<sup>®</sup> Health Sciences Portfolio - II Class<sup>(5)</sup> | 1.11% | 17.80% | 3.86% | 8.70% |
| International <br>Equity<br> Templeton Emerging Markets VIP Fund - Class 2<sup>(5)</sup> (formerly, Templeton Developing Markets VIP Fund) | 1.37% | 46.27% | 5.46% | 10.40% |
| International <br>Equity<br> Templeton Foreign VIP Fund - Class 2<sup>(1)(4)(5)</sup> | 1.08% | 29.19% | 8.25% | 5.75% |
| Taxable Bond<br> Templeton Global Bond VIP Fund - Class 2 - Franklin Advisers, Inc.<sup>(1)</sup> | 0.75% | 15.73% | -0.96% | -0.15% |
| International <br>Equity<br> Templeton Growth VIP Fund - Class 2<sup>(1)(4)(5)</sup> | 1.12% | 23.83% | 7.95% | 7.04% |
| Taxable Bond<br> Western Asset Core Plus VIT Portfolio - Class II - Franklin Templeton Fund Adviser, LLC<sup>(1)</sup><sup>(6)</sup> | 0.79% | 7.69% | -1.67% | 1.85% |

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<sup>(1)</sup>

*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; These Funds and their investment advisers have entered into contractual fee waivers or expense reimbursement arrangements. These temporary fee reductions are reflected in their annual expenses. Those contractual arrangements are designed to reduce total annual Fund operating expenses for Contract Owners and will continue past the current year.*

<sup>(2)</sup>

*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Effective February 2, 2015, Sub-Accounts investing in Funds of the MFS Variable Insurance Trust and the MFS Variable Insurance Trust II were closed to new investment. If you did not have Contract Value in, or allocation instructions including such a Sub-Account on that date, you may not allocate Purchase Payments or Contract Value to that Sub-Account. If you had Contract Value in, or allocation instructions that included such a Sub-Account on February 2, 2015, you may continue to allocate Purchase Payments and transfer Contract Value to that Sub-Account, but if you change your allocation instructions to terminate your investment in the Sub-Account, you may not allocate Purchase Payments and transfer Contract Value to the Sub-Account in the future.*

<sup>(3)</sup>

*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Sub-Account investing in this Rydex fund is no longer offered as an Investment Option under the Contract. Please see "The Funds."*

<sup>(4)</sup>

*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; This fund will not be available to Contracts issued on or after May 1, 2021.* 

<sup>(5)</sup>

*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Sub-Accounts that invest in these Funds are monitored under the Allocation Adjustment Program. If you elect to participate in the Allocation Adjustment Program and the Accumulation Unit value of a monitored Sub Account is equal to or below a specified level on any Monthly Anniversary Date, the Sub-Account will be temporarily "restricted" from a/locations of Purchase Payments and Contract Value and we will transfer all existing Contract Value in the Sub-Account to the Invesco<sup>®</sup> V.I. U.S. Government Money Portfolio Sub-Account. See ''The Allocation Adjustment Program" in the Prospectus.*

<sup>(6)</sup>

*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Not available to applications signed on or after May 1, 2026. If you did not have Contract Value in, or allocation instructions including this Fund on that date, you may not allocate Purchase Payments or Contract Value to this Fund. Call Us for more information.*

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This Updating Summary Prospectus incorporates by reference the Protective Variable Annuity Investors Series Contract's Prospectus and Statement of Additional Information (SAI), dated May 1, 2026, as amended or supplemented. The SAI may be obtained, free of charge, in the same manner as the Prospectus.

EDGAR Contract Identifier: C000131791

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