# EDGAR Filing Document

**Accession Number:** 0001257295
**File Stem:** 0001164098-26-001011
**Filing Date:** 2026-4
**Character Count:** 35087
**Document Hash:** 0a0781618c1f18b2ab8f4b00e872f1df
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001164098-26-001011.hdr.sgml**: 20260428

**ACCESSION NUMBER**: 0001164098-26-001011

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260428

**DATE AS OF CHANGE**: 20260428

**EFFECTIVENESS DATE**: 20260428

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SEPARATE ACCOUNT VA U
- **CENTRAL INDEX KEY:** 0001257295

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

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-249108
- **FILM NUMBER:** 26909364

**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

### SEPARATE ACCOUNT VA U (Series ID: S000006664)

| Class ID   | Class Name                     | Ticker Symbol   |
|:---|:---|:---|
| C000223532 | New WRL Freedom Premier III VA |  |

**WRL FREEDOM PREMIER**<sup>®</sup> **III VARIABLE ANNUITY**

**Issued through**

Transamerica Life Insurance Company

Separate Account VA U

**Updating Summary Prospectus**

**May 1, 2026**

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

The prospectus for the Policy contains more information about the Policy, including its features, benefits, and risks. You can find the prospectus and other information about the Policy online at Transamerica.com. You can also obtain this information at no cost by calling (800)851-9777, 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)851-9777, 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_8e62e48a-07ac-4985-9cb9-a1a7d296d195_1)_____________________________________________________________________** | **1**  |
| **[summary of policy features that have changed](#xx_8dbf49ce-dac9-411c-8642-22344c082fc5_1)_____________________________________** | **2**  |
| **[important INFORMATION you should consider about the policy](#xx_524fc9c9-cd69-49c8-8e8b-de7a4a06c767_1)_______________________** | **3**  |
| ***[APPENDIX](#xx_8aec7342-23a9-4c55-9a00-d57615769f1b_1)*** |  |
| **[investment options AVAILABLE UNDER THE POLICY](#xx_8aec7342-23a9-4c55-9a00-d57615769f1b_1)__________________________________** | **7**  |

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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)851-9777. **All premium payments, loan repayments, correspondence and notices should be sent to this address.**

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

**Annuity Commencement Date -** The date upon which annuity payments are to commence. This date may not be later than the last day of the Policy month following the month in which the <u>Annuitant</u> attains age 99 (earlier if required by state law).

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

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

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

**Policy -** The WRL Freedom Premier<sup>®</sup> III Variable Annuity, an individual deferred, flexible premium variable annuity. Also referred to as the contract.

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

**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 or minus Excess Interest Adjustment plus the surrender charge on the portion of the requested withdrawal that is subject to the surrender charge plus taxes (on the withdrawal)); plus

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● service charges, rider fees, premium taxes, transfer fees, and other charges (including those imposed upon termination), if any.

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

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

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

**Separate Account -** Separate Account VA U, Separate Accounts established and registered as unit investment trusts under the Investment Company Act of 1940, as amended (the "1940 Act"), to which premium payments under the policies may be allocated.

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

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**summary of policy features that have changed**

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

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

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

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

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

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| | | |
|:---|:---|:---|
|  | **FEES AND EXPENSES** | &nbsp;&nbsp; **Location in**<br> **Prospectus**<br>|
| **Are There Charges for** <br> **Early Withdrawal?**<br>| &nbsp;&nbsp; **Yes.** If You withdraw money during a specified number of years following <br> each premium payment being withdrawn, You may be assessed a surrender <br> charge. The surrender charge is assessed for 8 years with a maximum of <br> 8.5%.For example, if You make an early withdrawal, You could pay a <br> surrender charge on a $100,000 investment of up to $8,500. | &nbsp;&nbsp; **<u>Annuity Policy Fee</u>** <br> **<u>Tables and Expense</u>** <br> **<u>Examples</u>**<br> **<u>Transaction Expenses</u>** <br> **<u>–</u> <u>Surrender Charge</u>**<br> **<u>Access to Your Money</u>** <br> **<u>Surrenders</u>**<br>|
| **Are There Transaction** <br> **Charges?**<br>| &nbsp;&nbsp; **Yes.** In addition to surrender charges, You also may be assessed a transfer <br> fee and special services fee.<br> *Transfer Fee*. We reserve the right to charge for transfers among <u>Investment</u> <br> <u>Options</u> after the first 12 transfers per <u>Policy Year</u>. For each such <br> additional transfer, we may impose a transfer fee of $10. Currently, we do <br> not charge a transfer fee, but reserve the right to do so.<br> *Special Service Fee*. We reserve the right to deduct a $50 charge for special <br> services, including overnight delivery, duplicate policies, handling <br> insufficient checks on new business, duplicate Form 1099 and Form 5498 <br> tax forms, check copies, printing and mailing previously submitted forms, <br> and asset verification requests from mortgage companies. | &nbsp;&nbsp; **<u>Annuity Policy Fee</u>** <br> **<u>Tables and Expense</u>** <br> **<u>Examples</u>**<br> **<u>Expenses</u> <u>–</u>** <br> **<u>Transaction Expenses</u>**<br>|

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

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

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

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

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

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

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***APPENDIX***

**investment options AVAILABLE UNDER THE POLICY**

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

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

More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at http://dfinview.com/Transamerica/TAHD/89358T214?site=VAVUL. You can also request this information at no cost by calling our <u>Administrative Office</u> at (800)851-9777.

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

.

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **Investment Objective** | **Underlying Fund Portfolios and Advisers/Sub-adviser** | **Current Expenses** | **Platform Charges** | **Current Expenses Plus Platform Charges** | **1 year** | **5 years** | **10 years** |
| To maximize total return consistent with the Adviser's determination of reasonable risk. | AB Balanced Hedged Allocation Portfolio - Class B<br>Advised by: AllianceBernstein L.P. | 0.99% | 0.20% | 1.19% | 17.36% | 5.64% | 6.74% |
| Seeks investment results that correspond to the total return of common stocks publicly traded in the United States, as represented by the S&P 500® Index. | Fidelity® VIP Index 500 Portfolio - Service 2<br>Advised by: Fidelity Management & Research Company LLC | 0.34% |  | 0.34% | 17.48% | 14.03% | 14.42% |
| 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% |  | 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% |  | 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% |  | 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% |  | 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% |  | 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% |  | 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% |  | 1.71% | 5.86% | 21.01% | 5.88% |

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**investment options AVAILABLE UNDER THE POLICY — (Continued)** <br>

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **Investment Objective** | **Underlying Fund Portfolios and Advisers/Sub-adviser** | **Current Expenses** | **Current Expenses Plus Platform Charges** | **1 year** | **5 years** | **10 years** |
| To seek 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% | 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% | 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% | 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% | 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% | 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% | 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% | 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% | 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% | 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% | 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% | 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% | 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% | 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% | 1.75% | -15.80% | -13.57% | -18.48% |

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**investment options AVAILABLE UNDER THE POLICY — (Continued)** <br>

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **Investment Objective** | **Underlying Fund Portfolios and Advisers/Sub-adviser** | **Current Expenses** | **Current Expenses Plus Platform Charges** | **1 year** | **5 years** | **10 years** |
| To seek 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% | 1.78% | -10.08% | -6.50% | -11.77% |
| 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% | 1.73% | 5.00% | 7.17% | 7.81% |
| 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% | 1.87% | 10.86% | 4.23% | 7.63% |
| 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% | 1.42% | 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% | 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% | 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 - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Management, LLC | 0.78% | 0.78% | 6.78% | -0.60% | 1.82% |
| To seek to achieve maximum total return. | Transamerica Aegon Core Bond VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Management, LLC | 0.73% | 0.73% | 6.73% | -0.38% | 1.84% |
| To seek a high level of current income by investing in high-yield debt securities. | Transamerica Aegon High Yield Bond VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Management, LLC | 0.89% | 0.89% | 8.27% | 3.89% | 5.64% |
| To seek total return gained from the combination of dividend yield, growth of dividends and capital appreciation. | Transamerica Aegon Sustainable Equity Income VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Management UK plc | 0.97% | 0.97% | 10.99% | 8.11% | 7.08% |
| To seek to provide as high a level of total return as is consistent with prudent investment strategies. | Transamerica Aegon U.S. Government Securities VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Management, LLC | 0.84% | 0.84% | 5.56% | -1.52% | 0.94% |
| To seek as high a level of current income as is consistent with preservation of capital and liquidity. | Transamerica BlackRock Government Money Market VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.54% | 0.54% | 3.81% | 2.91% | 1.72% |
| To seek current income and preservation of capital. | Transamerica BlackRock iShares Active Asset Allocation - Conservative VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.93% | 0.93% | 8.65% | 2.65% | 4.17% |

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**investment options AVAILABLE UNDER THE POLICY — (Continued)** <br>

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **Investment Objective** | **Underlying Fund Portfolios and Advisers/Sub-adviser** | **Current Expenses** | **Current Expenses Plus Platform Charges** | **1 year** | **5 years** | **10 years** |
| To seek capital appreciation with current income as a secondary objective. | Transamerica BlackRock iShares Active Asset Allocation - Moderate Growth VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.94% | 0.94% | 10.64% | 5.18% | 4.94% |
| To seek capital appreciation and current income. | Transamerica BlackRock iShares Active Asset Allocation - Moderate VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.90% | 0.90% | 9.50% | 3.98% | 4.66% |
| To seek capital appreciation and income. | Transamerica BlackRock iShares Dynamic Allocation - Balanced - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.91% | 0.91% | 9.42% | 4.24% | 4.19% |
| To seek capital appreciation and income. | Transamerica BlackRock iShares Dynamic Allocation - Moderate Growth VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.90% | 0.90% | 10.35% | 6.72% | 5.38% |
| To seek long-term capital appreciation and capital preservation. | Transamerica BlackRock iShares Edge 40 VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.71% | 0.71% | 11.42% | 3.21% | 4.65% |
| To seek a combination of capital appreciation and income. | Transamerica BlackRock iShares Tactical - Balanced VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.92% | 0.92% | 13.00% | 3.04% | 5.22% |
| To seek a combination of capital appreciation and income. | Transamerica BlackRock iShares Tactical - Conservative VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.94% | 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% | 0.95% | 15.58% | 5.65% | 6.85% |
| To seek to maximize total return. | Transamerica BlackRock Real Estate Securities VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 1.11% | 1.11% | 9.32% | 2.41% | 3.41% |
| To seek capital appreciation with current income as a secondary objective. | Transamerica BlackRock Tactical Allocation VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.97% | 0.97% | 11.72% | 5.42% | 6.81% |
| To seek to balance capital appreciation and income. | Transamerica Goldman Sachs Managed Risk - Balanced ETF VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Goldman Sachs Asset Management, L.P. | 0.63% | 0.63% | 10.77% | 5.10% | 5.67% |

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**investment options AVAILABLE UNDER THE POLICY — (Continued)** <br>

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **Investment Objective** | **Underlying Fund Portfolios and Advisers/Sub-adviser** | **Current Expenses** | **Current Expenses Plus Platform Charges** | **1 year** | **5 years** | **10 years** |
| To seek 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% | 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% | 0.66% | 12.27% | 7.84% | 7.65% |
| To seek long-term capital appreciation. | Transamerica International Focus VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Sands Capital Management, LLC | 1.08% | 1.08% | 6.24% | 0.74% | 5.19% |
| To seek long-term capital growth, consistent with preservation of capital and balanced by current income. | Transamerica Janus Balanced VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Janus Henderson Investors US LLC | 0.99% | 0.99% | 13.46% | 7.57% | 9.31% |
| To seek long-term capital appreciation. | Transamerica Janus Mid-Cap Growth VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Janus Henderson Investors US LLC | 1.09% | 1.09% | 7.85% | 6.91% | 10.87% |
| To seek current income and preservation of capital. | Transamerica JPMorgan Asset Allocation - Conservative VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: J.P. Morgan Investment Management, Inc. | 0.96% | 0.96% | 10.36% | 2.09% | 4.64% |
| To seek capital appreciation with current income as a secondary objective. | Transamerica JPMorgan Asset Allocation - Moderate Growth VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: J.P. Morgan Investment Management, Inc. | 1.02% | 1.02% | 12.84% | 5.57% | 7.80% |
| To seek capital appreciation and current income. | Transamerica JPMorgan Asset Allocation - Moderate VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: J.P. Morgan Investment Management, Inc. | 0.97% | 0.97% | 11.54% | 3.59% | 6.05% |
| To seek long-term capital appreciation. | Transamerica JPMorgan Diversified Equity Allocation VP - Service<br>Advised by: Transamerica JPMorgan Diversified Equity Allocation VP; Sub-Advised by: J.P. Morgan Investment Management, Inc. | 1.05% | 1.05% | 19.06% | 8.87% | 10.90% |
| To seek to earn a total return modestly in excess of the total return performance of the S&P 500® Index while maintaining a volatility of return similar to the S&P 500® Index. | Transamerica JPMorgan Enhanced Index VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: J.P. Morgan Investment Management, Inc. | 0.86% | 0.86% | 15.90% | 14.10% | 14.32% |
| To seek capital appreciation with current income as a secondary objective. | Transamerica JPMorgan International Moderate Growth VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: J.P. Morgan Investment Management, Inc. | 1.12% | 1.12% | 17.67% | 3.25% | 5.51% |

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**investment options AVAILABLE UNDER THE POLICY — (Continued)** <br>

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **Investment Objective** | **Underlying Fund Portfolios and Advisers/Sub-adviser** | **Current Expenses** | **Current Expenses Plus Platform Charges** | **1 year** | **5 years** | **10 years** |
| To seek current income and preservation of capital. | Transamerica JPMorgan Tactical Allocation VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: J.P. Morgan Investment Management, Inc. | 1.05% | 1.05% | 8.83% | 1.80% | 4.15% |
| To seek capital appreciation. | Transamerica Market Participation Strategy VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: PGIM Quantitative Solutions LLC | 0.98% | 0.98% | 10.02% | 6.46% | 8.15% |
| To seek to provide a high total investment return through investments in a broadly diversified portfolio of stocks, bonds and money market instruments. | Transamerica Multi-Managed Balanced VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Mangement, Inc. | 0.89% | 0.89% | 12.73% | 8.34% | 9.46% |
| To seek to maximize total return. | Transamerica Small/Mid Cap Value VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Systematic Financial Management, L.P. | 1.06% | 1.06% | 9.51% | 9.29% | 9.53% |
| To seek long-term growth of capital by investing primarily in common stocks of small growth companies. | Transamerica T. Rowe Price Small Cap VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: T. Rowe Price Associates, Inc. | 1.08% | 1.08% | 9.93% | 5.17% | 10.18% |
| Seeks to maximize long-term growth | Transamerica WMC US Growth VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Wellington Management Company LLP | 0.89% | 0.89% | 17.47% | 12.05% | 16.13% |

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<sup>(1)</sup>

Some Subaccounts may be available for certain policies and may not be available for all policies. You should decide which Subaccount(s) may be appropriate for you based on a thorough analysis of your particular insurance needs; financial objectives; investment goals; time horizons; and risk tolerance.

<sup>(2)</sup>

There can be no assurance 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 Subaccounts may become extremely low and possibly negative.

<sup>(3)</sup>

Effective on or about October 25, 2024, the investment advisor for Transamerica International Focus VP changed from Epoch Investment Partners, Inc. to Sands Capital Management, LLC.

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

**Fixed Options**

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

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

**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.**

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

**Fixed Account Guaranteed Minimum Interest Rate** 

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

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**CLOSED INVESTMENT OPTIONS:**

Effective open of business September 17, 2012, the following Subaccount is closed to new investments:

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Underlying Fund Portfolio and** <br> **Adviser/Sub-adviser** <sup>(1)</sup>  | **Current**<br> **Expenses** | **Platform**<br> **Charges** | **Current**<br> **Expenses**<br> **Plus**<br> **Platform**<br> **Charges** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24)** |
| **Investment Objective** | **Underlying Fund Portfolio and** <br> **Adviser/Sub-adviser** <sup>(1)</sup>  | **Current**<br> **Expenses** | **Platform**<br> **Charges** | **Current**<br> **Expenses**<br> **Plus**<br> **Platform**<br> **Charges** | **1 year** | **5 years** | **10 years** |
| Capital appreciation with a secondary <br> goal of income.<br>| Franklin Allocation VIP Fund - Class 4<br> **Advised by** Franklin Templeton <br> Services, LLC<br>| 0.95% | 0.15% | 1.10% | 8.89% | 5.45% | 5.25% |

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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)851-9777 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 #C000223532

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