Updating Summary Prospectus (Form 497VPU)

 

special TERMS_____________________________________________________________________	1
summary of contract features that have changed__________________________________	1
important INFORMATION you should consider about the contract____________________	2
APPENDIX A
INVESTMENT OPTIONS AVAILABLE UNDER THE Contract_______________________________	5

special TERMS

Accumulation Value - The value of all amounts accumulated under the Contract during the Accumulation Phase (similar to the current market value of a mutual fund account).

Contract Owner (You, Your) - The person or persons designated as the Contract Owner in the application to participate in the Contract. The term shall also include any person named as joint Owner. A joint Owner shares ownership in all respects with the Contract Owner. The Contract Owner has the right to assign ownership to a person or party other than him/herself.

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

Subaccount - A subdivision within the Separate Account, the assets of which are invested in a specified Portfolio Company.

summary of contract features that have changed

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

important INFORMATION you should consider about the contract 

	FEES AND EXPENSES			Location in 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 schedule page for information about the specific fees You will pay each year based on the options You have elected.			Annuity Contract Fee Tables and Expense Examples Appendix - Investment Options Available Under the Contract
	Annual Fee	Minimum	Maximum
	Base Contract1	0.17%	0.20%
	Investment Options (Portfolio Company fees and expenses as a percentage of policy value invested)	0.09%	0.36%
	Optional Benefits available for an additional charge (for a single optional benefit, if elected)2	0.05%1	2.00%
	1 As a percentage of average Accumulated Value.
	2 As a percentage of withdrawal base
	Because Your Contract is customizable, the choices You make affect how much You will pay. To help You understand the cost of owning Your Contract, the following table shows the lowest and highest cost You could pay each year based on current charges.
	Lowest Annual Cost $399	Highest Annual Cost $2,073
	Assumes:	Assumes:
	●Investment of $100,000 ●5% annual appreciation ●Least expensive fund fees and expenses ●No optional benefits ●No sales charges ●No additional purchase payments, transfers, or withdrawals	●Investment of $100,000 ●5% annual appreciation ●Most expensive combination of optional benefits and fund fees and expenses ●No sales charges ●No additional purchase payments, transfers, or withdrawals
	RISKS			Location in Prospectus
Is There a Risk of Loss From Poor Performance?	Yes. You can lose money by investing in this Contract, including loss of principal.			Principal Risks of Investing in the Contract
Is This a 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. The Contract is designed to help meet long-term financial objectives by paying a death benefit to family members or other beneficiaries. The benefits of tax deferral also mean the Contract is more beneficial to investors with a long-term investment horizon. You may pay substantial charges if You take withdrawals or fully surrender the Contract during the surrender charge period.			Principal Risks of Investing in the Contract Tax Information

APPENDIX A

INVESTMENT OPTIONS AVAILABLE UNDER THE Contract

The following is a list of Portfolio Companies available under the Contract. 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/89355N657?site=VAVUL. You can also request this information at no cost by calling (800) 462-2391 or sending an email request to [email protected].

			Average Annual Total Returns (as of 12/31/25)
Investment Objective	Underlying Fund Portfolios and Advisers/Sub-adviser(1)	Current Expenses	1 year	5 years	10 years
To seek to provide investment results that, before expenses, correspond generally to the price and yield performance of the S&P 500® Index.	Transamerica S&P 500 Index VP - Initial Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: SSGA Funds Management, Inc.	0.38%	17.65%	14.24%	13.57%
To provide long-term capital appreciation and reasonable current income.	Vanguard® VIF Balanced Portfolio Advised by: Wellington Management Company LLP	0.20%	16.46%	9.29%	10.03%
To provide current income and low to moderate capital appreciation.	Vanguard® VIF Conservative Allocation Portfolio Advised by: The Vanguard Group, Inc.	0.12%	12.73%	4.22%	6.14%
To provide long-term capital appreciation and income.	Vanguard® VIF Diversified Value Portfolio Advised by: Hotchkis and Wiley Capital Management, LLC; Sub-Advised by: Lazard Asset Management LLC	0.28%	16.83%	13.24%	11.76%
To provide an above-average level of current income and reasonable long-term capital appreciation.	Vanguard® VIF Equity Income Portfolio Advised by: Wellington Management Company LLP; Sub-Advised by: The Vanguard Group, Inc.	0.29%	16.80%	12.59%	11.52%
Seeks to track the performance of a benchmark index that measures the investment return of large-capitalization stocks.	Vanguard® VIF Equity Index Portfolio Advised by: The Vanguard Group, Inc.	0.14%	17.70%	14.27%	14.66%
Seeks to track the performance of a benchmark index that measures the investment return of the global, investment-grade, fixed income market.	Vanguard® VIF Global Bond Index Portfolio Advised by: The Vanguard Group, Inc.	0.13%	5.69%	-0.41%	N/A
To provide long-term capital appreciation.	Vanguard® VIF Growth Portfolio Advised by: Wellington Management Company LLP	0.36%	16.89%	11.36%	15.58%
To provide a high level of current income.	Vanguard® VIF High Yield Bond Portfolio Advised by: Wellington Management Company LLP; Sub-Advised by: The Vanguard Group, Inc.	0.24%	9.18%	4.05%	5.62%
To provide long-term capital appreciation.	Vanguard® VIF International Portfolio Advised by: Baillie Gifford Overseas Ltd.; Sub-Advised by: Schroder Investment Management North America Inc.	0.32%	19.97%	0.62%	10.48%

INVESTMENT OPTIONS AVAILABLE UNDER THE Contract - (Continued)

*Designated Investment Options for GLWB rider

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)462-2391 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: [email protected].