# EDGAR Filing Document

**Accession Number:** 0000933275
**File Stem:** 0001164098-26-001157
**Filing Date:** 2026-5
**Character Count:** 39502
**Document Hash:** 44e6dde52b56d1c47a3d79d21353b235
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001164098-26-001157.hdr.sgml**: 20260501

**ACCESSION NUMBER**: 0001164098-26-001157

**CONFORMED SUBMISSION TYPE**: N-VP

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260501

**DATE AS OF CHANGE**: 20260501

**EFFECTIVENESS DATE**: 20260501

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** TFLIC SERIES LIFE ACCOUNT
- **CENTRAL INDEX KEY:** 0000933275

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

**FILING VALUES:**
- **FORM TYPE:** N-VP
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-192820
- **FILM NUMBER:** 26930900

**BUSINESS ADDRESS:**
- **STREET 1:** PO BOX 9051
- **CITY:** CLEARWATER
- **STATE:** FL
- **ZIP:** 33758
- **BUSINESS PHONE:** 13193558366

**MAIL ADDRESS:**
- **STREET 1:** PO BOX 9051
- **CITY:** CLEARWATER
- **STATE:** FL
- **ZIP:** 33758

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** AUSA SERIES LIFE ACCOUNT
- **DATE OF NAME CHANGE:** 19941129

## Series and Classes Contracts Data

### TFLIC SERIES LIFE ACCOUNT (Series ID: S000006590)

| Class ID   | Class Name              | Ticker Symbol   |
|:---|:---|:---|
| C000137937 | Transamerica Journey NY |  |

**Annual Notice Dated May 1, 2026**

**TRANSAMERICA JOURNEY**<sup>SM</sup> **NY**

**issued through<br>TFLIC SERIES LIFE ACCOUNT**

**by**

**Transamerica Financial Life Insurance Company**

**AN INDIVIDUAL FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE POLICY**

**Sales of this Policy were discontinued for new purchasers in 2017**

This Annual Notice Document ("Notice") provides certain updated information about the Transamerica Journey<sup>SM</sup> NY (the "Policy"), a flexible premium variable life insurance policy which is no longer available for purchase.

Transamerica Financial Life Insurance Company ("Transamerica") is providing this Notice in lieu of an updated prospectus for the Policy in reliance on the Securities and Exchange Commission's position on modernized alternative disclosures for discontinued variable life offerings. Updated audited financial statements for Transamerica Financial Life Insurance Company and for TFLIC Series Life Account ("Separate Account") are available, free of charge, at http://dfinview.com/Transamerica/TAHD/89390G618?site=VAVUL.

In addition, current summary prospectuses, statutory prospectuses, statements of additional information, and the most recent shareholder reports for the funds available under the Policy ("Funds") are available, free of charge, at the same website address as above. To request a free paper or e-mail copy of any of these materials, please contact us at the information listed below.

Your Policy prospectus dated May 1, 2017, as supplemented, is incorporated herein by reference and contains more information about the Policy's features, benefits, and risks.

Additional information about certain investment products, including variable life insurance Policies, has been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov.

**Please direct transactions, claim forms, payments and other correspondence and notices as follows:**

---

| | |
|:---|:---|
| &nbsp;&nbsp; ***Transaction***  | &nbsp;&nbsp; ***Direct or Send to***  |
| &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Telephonic Transaction  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1-727-299-1800 or 1-800-851-9777 (toll free)  |
| &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Facsimile Transaction  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1-727-299-1620  |
| &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Payments made by check  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; PO Box 429, Cedar Rapids IA 52406-0429 **or** <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6400 C St. SW, Cedar Rapids IA 52499-7463  |
| &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Claims, general correspondence, and notices  | &nbsp;&nbsp; *<u>Mailing Address</u>:* 6400 C St. SW, Cedar Rapids IA 52499-0001  |

---

---

| | |
|:---|:---|
| [SPECIAL TERMS](#_Toc226377609) | [2](#_Toc226377609) |
| [Summary of Recent Policy Changes](#_Toc226377610) | [4](#_Toc226377610) |
| [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE POLICY](#_Toc226377611) | [5](#_Toc226377611) |
| [Appendix: Portfolio Companies Available Under The Policy](#_Toc226377612) | [8](#_Toc226377612) |

---

#### SPECIAL TERMS

---

| | |
|:---|:---|
| &nbsp;&nbsp; **administrative office**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Our administrative office address is 6400 C St. SW, Cedar Rapids IA 52499-0001. Our phone number is 1-800-851-9777; our facsimile numbers are 1-727-299-1648 (for subaccount transfers only) and 1-727-299-1620 (for all other fax requests). Our administrative office serves as the recipient of all website (transamerica.com), telephonic and facsimile transactions, including, but not limited to transfer requests and premium payments made by wire transfer and through electronic credit and debit transactions (e.g., payments through direct deposit, debit transfers, and forms of e-commerce payments). Our hours are Monday – Friday 7:00 a.m. – 6:00 p.m. Central Time. Please do not send any checks, claims, correspondence, or notices to this office; send them to the mailing address.  |
| &nbsp;&nbsp; **beneficiary(ies)**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The person or persons you select to receive the Policy's death benefit.  |
| &nbsp;&nbsp; **cash value**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; At the end of any valuation period, the sum of your Policy's value in the subaccounts and the fixed account. If there is a Policy loan outstanding, then the cash value includes any amounts held in our fixed account to secure the Policy loan.  |
| &nbsp;&nbsp; **death benefit proceeds**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The amount we will pay to the beneficiary(ies) on the insured's death. We will reduce the death benefit proceeds by the amount of any outstanding loan amount, including any accrued loan interest and, if the insured dies during the grace period, any charges that are due and unpaid.  |
| &nbsp;&nbsp; **fixed account**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; An allocation option other than the separate account to which you may allocate net premiums and cash value. We guarantee that any amounts you allocate to the fixed account will earn interest at a declared rate. The fixed account is part of our general account.  |
| &nbsp;&nbsp; **insured**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The person whose life is insured by the Policy.  |
| &nbsp;&nbsp; **lapse**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; When life insurance coverage ends and the Policy terminates because you do not have enough value in the Policy to pay monthly deductions, the surrender charge, and any outstanding loan amount, including accrued loan interest, and you have not made a sufficient payment by the end of the Policy's grace period.  |
| &nbsp;&nbsp; **mutual fund company(ies)**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; A management investment company registered with the SEC. The Policy allows you to invest in the portfolio companies (also known as underlying fund portfolios) of the mutual fund companies through our subaccounts.  |
| &nbsp;&nbsp; **Policy**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The flexible premium variable life insurance Policy, a contract between us and you that describes the terms of your life insurance Policy.  |
| &nbsp;&nbsp; **portfolio company(ies)**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Investment options made available by mutual fund companies under the Policy. Also referred to as underlying fund portfolio(s).  |
| &nbsp;&nbsp; **premiums**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; All payments you make under the Policy other than loan repayments.  |
| &nbsp;&nbsp; **specified amount**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The amount of life insurance coverage under your Policy.  |
| &nbsp;&nbsp; **surrender charge**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; A charge you pay if you withdraw money from your Policy or fully surrender your Policy during certain defined time periods.  |
| &nbsp;&nbsp; **termination**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; When the insured's life is no longer insured under the Policy or any rider, and neither the Policy (nor any rider) is in force.  |
| &nbsp;&nbsp; **we, us, our, the Company** <br> **(Transamerica)**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Transamerica Financial Life Insurance Company.  |
| &nbsp;&nbsp; **you, your (** **Owner or policyowner)**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The person entitled to exercise all rights as the owner under the Policy.  |

---

#### Summary of Recent Policy Changes
The information in this Notice is a summary of certain Policy features that have changed since the last Prospectus, as supplemented. This may not reflect all of the changes that have occurred since you entered into your [Policy](#Policy).

&nbsp;&nbsp;&nbsp;&nbsp; <br>• For changes in the names of certain [portfolio companies](#portfoliocompany) and/or advisers/sub-advisers please refer to [Appendix: Portfolio](#APPENDIX)[Companies](#APPENDIX)[Available Under](#APPENDIX)[t](#APPENDIX)[he Policy](#APPENDIX)[.](#APPENDIX)

&nbsp;&nbsp;&nbsp;&nbsp; <br>• For updated portfolio expense information please refer to "[Important Information You Should Consider About This Policy](#IMPORTANT)" and Appendix: Portfolios Available Under the Policy.

• For updated portfolio company performance information please refer to Appendix: Portfolio Companies Available Under the Policy.

#### IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE POLICY
&nbsp;&nbsp;&nbsp;&nbsp; Your Policy prospectus dated May 1, 2017, as supplemented, contains more information about the Policy's features, benefits, and risks in addition to what is listed below.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **FEES AND EXPENSES**  | &nbsp;&nbsp; **FEES AND EXPENSES**  | &nbsp;&nbsp; **FEES AND EXPENSES**  | &nbsp;&nbsp; **FEES AND EXPENSES**  | &nbsp;&nbsp; **Location in** <br> **Prospectus**  |
| &nbsp;&nbsp; **Are There Charges for Early Withdrawals?**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Yes. If [you](#owner) withdraw (or surrender) money from your [Policy](#Policy) during the first 10-15 Policy years, depending on your age, you will be assessed a surrender charge. You will also be assessed a [surrender charge](#surrendercharge) if you withdraw money from your Policy during the 10-15-year period following any increase in the Policy's [specified amount](#specifiedamount). The maximum surrender charge depends on your age when Policy was issued but will not be greater than $34.20 per $1,000 of the Policy's initial specified amount (or increase in specified amount). <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; For example, if you purchased a Policy with an initial specified amount of $300,000 and were to withdraw $100,000 during the surrender charge period (and assuming that the Policy's specified amount had not been increased), the maximum surrender charge would be $3,420.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Yes. If [you](#owner) withdraw (or surrender) money from your [Policy](#Policy) during the first 10-15 Policy years, depending on your age, you will be assessed a surrender charge. You will also be assessed a [surrender charge](#surrendercharge) if you withdraw money from your Policy during the 10-15-year period following any increase in the Policy's [specified amount](#specifiedamount). The maximum surrender charge depends on your age when Policy was issued but will not be greater than $34.20 per $1,000 of the Policy's initial specified amount (or increase in specified amount). <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; For example, if you purchased a Policy with an initial specified amount of $300,000 and were to withdraw $100,000 during the surrender charge period (and assuming that the Policy's specified amount had not been increased), the maximum surrender charge would be $3,420.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Yes. If [you](#owner) withdraw (or surrender) money from your [Policy](#Policy) during the first 10-15 Policy years, depending on your age, you will be assessed a surrender charge. You will also be assessed a [surrender charge](#surrendercharge) if you withdraw money from your Policy during the 10-15-year period following any increase in the Policy's [specified amount](#specifiedamount). The maximum surrender charge depends on your age when Policy was issued but will not be greater than $34.20 per $1,000 of the Policy's initial specified amount (or increase in specified amount). <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; For example, if you purchased a Policy with an initial specified amount of $300,000 and were to withdraw $100,000 during the surrender charge period (and assuming that the Policy's specified amount had not been increased), the maximum surrender charge would be $3,420.  | &nbsp;&nbsp; Fee Tables <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Appendix A - 1- Surrender Charge Per Thousand of Face Amount (Base Policy or Increase) <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charges and Deductions  |
| &nbsp;&nbsp; **Is there a Cash Withdrawal Charge?**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Yes. If you withdraw money from your Policy, we will deduct a processing fee equal to 2% of the amount withdrawn, not to exceed $25. We deduct this amount from the withdrawal, and we pay you the balance.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Yes. If you withdraw money from your Policy, we will deduct a processing fee equal to 2% of the amount withdrawn, not to exceed $25. We deduct this amount from the withdrawal, and we pay you the balance.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Yes. If you withdraw money from your Policy, we will deduct a processing fee equal to 2% of the amount withdrawn, not to exceed $25. We deduct this amount from the withdrawal, and we pay you the balance.  | &nbsp;&nbsp; Fee Tables <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charges and Deductions - Cash Withdrawal Charge  |
| &nbsp;&nbsp; **Are There Transaction Charges?**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Yes. In addition to surrender charges for early withdrawals, you may also be charged for other transactions. There may be front-end loads on premium payments, charges for transfers between investment options, and administrative charges for withdrawals. <br> [We](#owner) reserve the right to deduct a charge for special services, including overnight delivery and wire service fees.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Yes. In addition to surrender charges for early withdrawals, you may also be charged for other transactions. There may be front-end loads on premium payments, charges for transfers between investment options, and administrative charges for withdrawals. <br> [We](#owner) reserve the right to deduct a charge for special services, including overnight delivery and wire service fees.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Yes. In addition to surrender charges for early withdrawals, you may also be charged for other transactions. There may be front-end loads on premium payments, charges for transfers between investment options, and administrative charges for withdrawals. <br> [We](#owner) reserve the right to deduct a charge for special services, including overnight delivery and wire service fees.  | &nbsp;&nbsp; Fee Tables <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charges and Deductions - Cash Withdrawals  |
| &nbsp;&nbsp; **Are There Ongoing Fees and Expenses (annual charges)?**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Yes. In addition to surrender charges and transaction charges, an investment in the Policy is subject to certain ongoing fees and expenses, including fees and expenses covering the cost of insurance under the Policy and the cost of optional benefits available under the Policy, and that such fees and expenses are set based on characteristics of the [insured](#insured) (*e.g.*, age, sex, and rating classification). You should view the schedule page of your Policy for rates applicable to your Policy. <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; These fees and expenses do not reflect any advisory fees paid to financial intermediaries from the Policy value or other assets of the Owner; if such charges were reflected, the fees and expenses would be higher. <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; You will also bear expenses associated with the portfolios under the Policy to which you have allocated [cash value](#cashvalue), as shown in the following table:.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Yes. In addition to surrender charges and transaction charges, an investment in the Policy is subject to certain ongoing fees and expenses, including fees and expenses covering the cost of insurance under the Policy and the cost of optional benefits available under the Policy, and that such fees and expenses are set based on characteristics of the [insured](#insured) (*e.g.*, age, sex, and rating classification). You should view the schedule page of your Policy for rates applicable to your Policy. <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; These fees and expenses do not reflect any advisory fees paid to financial intermediaries from the Policy value or other assets of the Owner; if such charges were reflected, the fees and expenses would be higher. <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; You will also bear expenses associated with the portfolios under the Policy to which you have allocated [cash value](#cashvalue), as shown in the following table:.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Yes. In addition to surrender charges and transaction charges, an investment in the Policy is subject to certain ongoing fees and expenses, including fees and expenses covering the cost of insurance under the Policy and the cost of optional benefits available under the Policy, and that such fees and expenses are set based on characteristics of the [insured](#insured) (*e.g.*, age, sex, and rating classification). You should view the schedule page of your Policy for rates applicable to your Policy. <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; These fees and expenses do not reflect any advisory fees paid to financial intermediaries from the Policy value or other assets of the Owner; if such charges were reflected, the fees and expenses would be higher. <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; You will also bear expenses associated with the portfolios under the Policy to which you have allocated [cash value](#cashvalue), as shown in the following table:.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fee Tables <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charges and Deductions <br>[Appendix: Portfolio Companies Available Under the Policy.](#APPENDIX)  |
| &nbsp;&nbsp; **Are There Ongoing Fees and Expenses (annual charges)?**  | &nbsp;&nbsp; **Annual Fee**  | &nbsp;&nbsp; **Minimum**  | &nbsp;&nbsp; **Maximum**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fee Tables <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charges and Deductions <br>[Appendix: Portfolio Companies Available Under the Policy.](#APPENDIX)  |
| &nbsp;&nbsp; **Are There Ongoing Fees and Expenses (annual charges)?**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Portfolio Company<sup>1</sup> <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (fund fees and expenses)  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.29%  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.89%  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fee Tables <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charges and Deductions <br>[Appendix: Portfolio Companies Available Under the Policy.](#APPENDIX)  |
| &nbsp;&nbsp; **Are There Ongoing Fees and Expenses (annual charges)?**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>1</sup>As a percentage of Portfolio Company assets  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>1</sup>As a percentage of Portfolio Company assets  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>1</sup>As a percentage of Portfolio Company assets  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fee Tables <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charges and Deductions <br>[Appendix: Portfolio Companies Available Under the Policy.](#APPENDIX)  |
| &nbsp;&nbsp; **RISKS**  | &nbsp;&nbsp; **RISKS**  | &nbsp;&nbsp; **RISKS**  | &nbsp;&nbsp; **RISKS**  | &nbsp;&nbsp; **Location in** <br> **Prospectus**  |
| &nbsp;&nbsp; **Is There a Risk of Loss From Poor Performance?**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Yes. You can lose money by investing in this Policy, including loss of principal.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Yes. You can lose money by investing in this Policy, including loss of principal.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Yes. You can lose money by investing in this Policy, including loss of principal.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Policy Risks - Investment Risks <br>|

---

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Is this a Short-Term Investment?**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No. This Policy is not a short-term investment and is not appropriate for an investor who needs ready access to cash. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Policy is designed to help meet long-term financial objectives by paying a death benefit to family members or other [beneficiaries](#beneficiary). The benefits of tax deferral also mean the Policy is more beneficial to investors with a long-term investment horizon. You may pay substantial charges if you take withdrawals or fully surrender the Policy during the surrender charge period.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Policy Risks - Long-Term Financial Planning  |
| &nbsp;&nbsp; **What Are the Risks Associated with Investment Choices?**  | &nbsp;&nbsp; An investment in the Policy is subject to the risk of poor investment performance. The investment performance of your Policy can vary depending on the performance of the investment options that you choose. Each investment option (including the [fixed account](#fixedaccountoption) option) has its own unique risks. You should review the investment options carefully before making an investment decision. | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Policy Risks - Investment Risks <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Policy Risks - Fund Risks <br>|
| &nbsp;&nbsp; **What are the Risks Related to the Insurance Company?**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; An investment in the Policy is subject to the risks related to Transamerica Financial Life Insurance Company. Any obligations (including under the fixed account option), guarantees, and benefits under the Policy are subject to our claims-paying ability. More information about Transamerica Financial Life Insurance Company, including our financial strength ratings, is available by visiting transamerica.com or calling toll-free 800-851-9777.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Transamerica Financial, the Separate Account, the Basic Interest Account and the Funds  |
| &nbsp;&nbsp; **Is there a Risk of Policy Lapse?**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Insufficient premium payments, poor investment performance, withdrawals, and unpaid loans or loan interest may cause the Policy to [lapse](#lapse). There are costs associated with reinstating a lapsed Policy. Death benefits will not be paid if the Policy has lapsed.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Policy Risks - Lapse <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Policy Lapse and Reinstatement  |
| &nbsp;&nbsp; **RESTRICTIONS**  | &nbsp;&nbsp; **RESTRICTIONS**  | &nbsp;&nbsp; **Location in** <br> **Prospectus**  |
| &nbsp;&nbsp; **What are the Restrictions on the Investment Options?**  | &nbsp;&nbsp; There may be a $25 charge for each transfer in excess of 12 transfers per Policy year. Transfers from the Basic Interest Account option may be subject to significant restrictions related to the number of transfers per Policy Year and amounts transferred. We reserve the right to remove or substitute portfolios as investment options under the Policy. | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charges and Deductions - Transfer Charge <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Transfers – Basic Interest Account Transfers <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Transamerica Financial, the Separate Account, the Basic Interest Account and the Funds – The Separate Account  |
| &nbsp;&nbsp; **What Are the Optional Benefits?**  | &nbsp;&nbsp; Supplemental insurance benefits are available only to insureds within certain age ranges, are subject to minimum and/or maximum specified amounts and are subject to [termination](#termination) conditions. Certain benefits cannot be elected after Policy purchase. Certain benefits cannot be elected in combination with other benefits. We may stop offering an optional benefit at any time. | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Supplemental Benefits (Riders)  |
| &nbsp;&nbsp; **TAXES**  | &nbsp;&nbsp; **TAXES**  | &nbsp;&nbsp; **Location in** <br> **Prospectus**  |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **What Are the Policy's Tax Implications?**  | &nbsp;&nbsp; You should consult with a tax professional to determine the tax implications of an investment in and payments received under the Policy. Earnings on your Policy are taxed at ordinary income tax rates when you withdraw them, and you may have to pay a penalty if you take a withdrawal before age 59½. | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Federal Income Tax Considerations  |
| &nbsp;&nbsp; **CONFLICT OF INTEREST**  | &nbsp;&nbsp; **CONFLICT OF INTEREST**  | &nbsp;&nbsp; **Location in** <br> **Prospectus**  |
| &nbsp;&nbsp; **How Are Investment Professionals Compensated?**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Your investment professional may receive compensation for selling this Policy to You, in the form of commissions, additional cash benefits (e.g., bonuses), and non-cash compensation. Our affiliate, Transamerica Capital, LLC ("TCL") (formerly Transamerica Capital, Inc.), the principal underwriter, may share the revenue we earn on this Policy with Your investment professional's firm. In addition, we may pay all or a portion of the cost of affiliates' operating and other expenses. <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; This conflict of interest may influence Your investment professional to recommend this Policy over another investment for which the investment professional is not compensated or compensated less.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Additional Information – Sale of the Policies  |
| &nbsp;&nbsp; **Should I Exchange My Policy?**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Some investment professionals may have a financial incentive to offer you a new Policy in place of the one you already own. You should only exchange your Policy if you determine, after comparing the features, fees, and risks of both Policies, that it is preferable for you to purchase the new Policy rather than continue to own your existing Policy.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Additional Information – Sale of the Policies <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Policy - Tax-Free Section 1035 Exchanges  |

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#### Appendix: Portfolio Companies Available Under The Policy
&nbsp;&nbsp;&nbsp;&nbsp; The following is a list of portfolio companies available under the Policy, which are subject to change as discussed in this prospectus.

&nbsp;&nbsp;&nbsp;&nbsp; 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/89390G618?site=VAVUL. You can also request this information at no cost by calling our [<u>administrative</u>](#administrativeoffice)[<u>o</u>](#administrativeoffice)[<u>ffice</u>](#administrativeoffice) at 1-800-851-9777.

&nbsp;&nbsp;&nbsp;&nbsp; The current expenses and performance information below reflect fees 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's past performance is not necessarily an indication of future performance.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Underlying Fund Portfolio and**<br> **Adviser/Sub-adviser<sup><sup>(1)</sup></sup>** | **Current<br> Expenses** | **Average Annual Total Returns <br> (as of 12/31/25)** | **Average Annual Total Returns <br> (as of 12/31/25)** | **Average Annual Total Returns <br> (as of 12/31/25)** |
| **Investment Objective** | **Underlying Fund Portfolio and**<br> **Adviser/Sub-adviser<sup><sup>(1)</sup></sup>** | **Current<br> Expenses** | **1 year** | **5 years** | **10 years** |
| To provide growth of capital. | American Funds Insurance Series®– Growth Fund<sup>SM</sup>- Class 2<br> **Advised by:** *Capital Research and Management Company* | 0.58% | 17.21% | 13.89% | 12.36% |
| To achieve long–term growth of capital and income. | American Funds Insurance Series®– Growth–Income Fund<sup>SM</sup>- Class 2<br> **Advised by:** *Capital Research and Management Company* | 0.53% | 20.41% | 9.08% | 7.59% |
| To provide long–term growth of capital. | American Funds Insurance Series®– EUPAC Fund™.- Class 2<sup>(2)(4)</sup><br> **Advised by:** *Capital Research and Management Company* | 0.78% | 26.77% | 3.40% | 7.00% |
| 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<sup>®</sup> Index. | Fidelity VIP Index 500 Portfolio - Service Class 2<br> **Advised by** *Fidelity Management & Research Company*<br> ***Sub-Advisers****: FMR Co., Inc.; Geode Capital Management, LLC* | 0.34% | 17.48% | 14.03% | 14.42% |
| Seeks maximum total return, consistent with preservation of capital and prudent investment management. | Transamerica Aegon Bond VP – Initial Class<br> **Sub-Advised by:** *Aegon USA Investment Management, LLC.* | 0.53% | 7.13% | -0.34% | 2.08% |
| Seeks total return, consisting of current income and capital appreciation. | Transamerica Aegon Core Bond VP – Initial Class<br> **Sub-Advised by:** *Aegon USA Investment Management, LLC.* | 0.48% | 6.99% | -0.14% | 2.09% |
| Seeks total return gained from the combination of dividend yield, growth of dividends and capital appreciation. | Transamerica Aegon Sustainable Equity Income VP - Initial Class<br> **Sub-Advised by:** *Aegon Asset Management UK plc ("AAM")* | 0.72% | 11.26% | 8.39% | 7.35% |
| Seeks as high a level of current income as is consistent with preservation of capital and liquidity. | Transamerica BlackRock Government Money Market VP - Initial Class<sup><sup>(3)</sup></sup><sup></sup> **Sub-Advised by:** *BlackRock Investment Management, LLC* | 0.29% | 4.07% | 3.05% | 1.91% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Seeks current income and preservation of capital. | Transamerica BlackRock iShares Active Asset Allocation - Conservative VP - Initial Class<sup><sup>(2)</sup></sup><br> **Sub-Advised by:** *BlackRock Investment Management, LLC* | 0.68% | 9.02% | 2.91% | 4.43% |
| Seeks current income and preservation of capital. | Transamerica BlackRock iShares Active Asset Allocation - Moderate Growth VP - Initial Class<sup><sup>(2)</sup></sup><br> **Sub-Advised by:** *BlackRock Investment Management, LLC* | 0.65% | 9.70% | 4.23% | 4.92% |
| Seeks current income and preservation of capital. | Transamerica BlackRock iShares Active Asset Allocation – Moderate VP - Initial Class<sup><sup>(2)</sup></sup><br> **Sub-Advised by***: BlackRock Investment Management, LLC* | 0.69% | 10.87% | 5.44% | 5.20% |
| Seeks a combination of capital appreciation and income. | Transamerica BlackRock iShares Tactical - Balanced VP - Initial Class<sup><sup>(2)</sup></sup><br> **Sub-Advised by:** *BlackRock Investment Management, LLC.* | 0.67% | 13.23% | 3.29% | 5.48% |
| Seeks a combination of capital appreciation and income. | Transamerica BlackRock iShares Tactical - Conservative VP - Initial Class<sup><sup>(2)</sup></sup><br> **Sub-Advised by:** *BlackRock Investment Management, LLC.* | 0.69% | 11.03% | 1.93% | 4.70% |
| Seeks a combination of capital appreciation and income. | Transamerica BlackRock iShares Tactical - Growth VP - Initial Class<sup><sup>(2)</sup></sup><br> **Sub-Advised by:** *BlackRock Investment Management, LLC.* | 0.70% | 15.81% | 5.93% | 7.12% |
| Seeks to balance capital appreciation and income. | Transamerica Goldman Sachs Managed Risk - Balanced ETF VP - Initial Class<br> **Sub-Advised by:** *Milliman Financial Risk Management LLC* | 0.38% | 11.17% | 5.38% | 5.93% |
| To seek current income and preservation of capital. | Transamerica Goldman Sachs Managed Risk - Conservative ETF VP - Initial Class<br> **Sub-Advised by:** *Milliman Financial Risk Management LLC* | 0.41% | 10.27% | 3.55% | 4.69% |
| Seeks capital appreciation as a primary objective and income as a secondary objective. | Transamerica Goldman Sachs Managed Risk - Growth ETF VP - Initial Class <br> **Sub-Advised by:** *Milliman Financial Risk Management LLC* | 0.41% | 12.49% | 8.10% | 7.92% |
| Seeks to maximize long-term growth. | Transamerica WMC US Growth VP – Initial Class<br> **Sub-Advised by:** *Wellington Management Company, LLP* | 0.89% | 17.47% | 12.05% | 16.13% |

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| | |
|:---|:---|
| &nbsp;&nbsp; (1)  | &nbsp;&nbsp; You should work with your investment professional to 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. |
| &nbsp;&nbsp; (2) | &nbsp;&nbsp; This portfolio is subject to an expense reimbursement or fee waiver arrangement. As a result, this portfolio's annual expenses reflect temporary expense reductions. See the portfolio prospectus for additional information. |
| &nbsp;&nbsp; (3)  | &nbsp;&nbsp; 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. |
| &nbsp;&nbsp; (4) | &nbsp;&nbsp; Effective May 1. 2026, American Funds Insurance Series International Fund was renamed American Funds Insurance Series<sup>®</sup> EUPAC Fund™. |
| &nbsp;&nbsp; Note | &nbsp;&nbsp; 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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&nbsp;&nbsp;&nbsp;&nbsp; Please retain this Notice for future reference. The last prospectus and statement of additional information for the Policy dated May 1, 2017, as supplemented, contains more information about the Policy. You may contact us for additional information free of charge at 1-800-851-9777 or write us at:

Transamerica Financial Life Insurance Company

6400 C Street SW

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.

&nbsp;&nbsp;&nbsp;&nbsp; Product File Number on Edgar System 333-192820

&nbsp;&nbsp;&nbsp;&nbsp; EDGAR Contract Identifier C000137937