Notice Document by Insurance Company (Form N-VP)

FEES AND EXPENSES

Charges for Early Withdrawals

A Withdrawal Charge of $25 or 2% of the amount withdrawn, whichever is less, will apply to each withdrawal after the first withdrawal each Contract Year.

Transaction Charges

A Transfer Charge of $10 or 2% of the amount transferred, whichever is less, will apply upon each transfer in excess of 12 transfers in a Contract Year.

Ongoing Fees and Expenses (annual charges)

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 data page for information about the specific fees you will pay each year based on the options you have elected.

Annual Fee

Minimum

Maximum

Base Contract (1)

1.85%

4.97%

Portfolio Fees & Expenses (2)

0.26%

3.38%

Optional benefits available for an additional charge (for a single optional benefit, if elected) (3)

0.20%

0.20%

Lowest Annual Cost

$1,648.29

Highest Annual Cost

$4,025.93

The Lowest Annual Cost shown above assumes the following:

•Investment of $100,000

•5% annual appreciation

•Least expensive combination of Contract Classes and Portfolio Company fees and expenses

•No optional benefits

•No sales charges

•No additional purchase payments, transfers or withdrawals

The Highest Annual Cost shown above assumes the following:

•Investment of $100,000

•5% annual appreciation

•Most expensive combination of Contract Classes and Portfolio Company fees and expenses and optional benefits

•No sales charges

•No additional purchase payments, transfers or withdrawals

RISKS

Risk of Loss

You may lose money by investing in the Contract.

Not a Short-Term Investment

The Contract is not a short-term investment and is not appropriate if you need ready access to cash. Withdrawal charges will reduce the value of your Contract if you withdraw money during the Accumulation Phase. The benefits of tax deferral and living benefit protections also mean the Contract is more beneficial to investors with a long time horizon. Tax penalties may apply to withdrawals taken before age 59 ½. Transfer limits and fees designed to deter marketing timing may apply under policies designed to deter frequent trading and market timing.

Risks Associated with Investment Options

Investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Portfolios available under the Contract. Each Portfolio has its own unique risks. You should review these Portfolios before making an investment decision.

Insurance Company Risks

Investment in the Contract is subject to the risks related to Symetra Life Insurance Company. Any obligations, (including obligations related to the Symetra Fixed Account and Sub-accounts), guarantees, and benefits provided for under the Contract are subject to our financial strength and claims-paying ability. More information about us, including our financial strength ratings, is available upon request by calling 1-800-796-3872, or visiting us at www.symetra.com/regulatoryreports

RESTRICTIONS

Investments

You may allocate amounts under the Contract to one or more of the Sub-accounts available to you. Certain Sub-accounts are closed to new investors and only available to Contract Owners who have been continuously invested in them as of a certain date. Once a Contract Owner has transferred the entire value out of one of these closed Sub-accounts, the Sub-account is no longer available to the Contract Owner for investment. A transfer charge may apply for each transfer in excess of 12 transfers in a Contract Year. You may also allocate money to the Symetra Fixed Account, which credits guaranteed interest rates. We reserve the right to add, combine, restrict or remove any Sub-account available as an investment option under your Contract. We further reserve the right to restrict or remove the Symetra Fixed Account as an investment option available under the Contract.

Optional Benefits

The Guaranteed Minimum Death Benefit Annual Reset Rider ("GMDB - Annual Reset") was only available for Contracts purchased between April 30, 2004 and April 30, 2010.

The Earnings Enhancement Benefit Rider ("EEB") was available only for non-qualified Contracts purchased between April 30, 2004 and April 30, 2010.

For Contracts purchased on or after April 30, 2004, the maximum amount that we will add to your Contract to satisfy the guaranteed minimum death benefit, GMDB - Annual Reset, and EEB is limited to a total of $1 million.

TAXES

Tax Implications

You should consult a competent tax professional about your individual circumstances to determine the tax implications of owning the Contract. Your Contract may have been purchased as a qualified contract that provides you certain tax deferral features under the Internal Revenue Code. You do not have to purchase an annuity contract to obtain the same type of tax deferral as provided by other qualified retirement arrangements.

All distributions other than death benefits, including surrenders, withdrawals and loans taken or secured by the Contract will be subject to ordinary income tax, and may be subject to tax penalties.

CONFLICTS OF INTEREST

Investment Professional Compensation

Investment professionals who solicited sales of the Contracts receive a portion of the commission payable to the broker-dealer firm, depending on the agreement between the broker-dealer and the investment professional. We pay commissions as a percentage of Purchase Payments invested in the Contract.

An investment professional may receive different compensation for selling different investment products and may have a financial incentive to offer or recommend one investment product over another.

Exchanges

An investment professional may have a financial incentive to offer you a new contract in the place of a contract you already own.

You should not exchange this Contract for a new one unless you determine, after comparing the features fees and risks of both contracts, that the exchange is preferable for you.

TYPE

PORTFOLIO NAME AND ADVISOR

CURRENT EXPENSES

(As of 12/31/2025)

AVERAGE ANNUAL TOTAL RETURN

(As of 12/31/2025)

1 Year

5 Year

10 Year

U.S. Equity

BNY Mellon Investment Portfolios MidCap Stock Portfolio - Initial Shares (3)

BNY Mellon Investment Sub-advised by Newton Investment Management North America, LLC

0.80%**

10.07%

9.67%

8.78%

Sector Equity

BNY Mellon Investment Portfolios Technology Growth Portfolio - Initial Shares

BNY Mellon Investment Sub-advised by Newton Investment Management North America, LLC

0.82%

28.16%

9.24%

17.27%

U.S. Equity

BNY Mellon Stock Index Fund, Inc. - Service Shares

BNY Mellon Investment Advisors Mellon Investments Corporation is the fund's index fund manager.

0.52%

17.23%

13.83%

14.23%

U.S. Equity

Fidelity® VIP ContrafundSM Portfolio - Initial Class

Fidelity Management & Research Company LLC (*)

0.54%

21.52%

15.37%

15.78%

U.S. Equity

Fidelity® VIP Equity-Income Portfolio℠ - Initial Class

Fidelity Management & Research Company LLC (*)

0.46%

19.02%

12.51%

11.60%

Money Market

Fidelity® VIP Government Money Market Portfolio - Service Class 2

Fidelity Management & Research Company LLC (FMR) (*)

0.50%

3.86%

2.90%

1.83%

U.S. Equity

Fidelity® VIP Growth Portfolio - Initial Class (3)

Fidelity Management & Research Company LLC (FMR) (*)

0.55%

14.73%

13.70%

17.45%

U.S. Equity

Fidelity® VIP Mid Cap Portfolio - Service Class 2

Fidelity Management & Research Company LLC (FMR) (*)

0.80%

11.49%

9.83%

10.31%

U.S. Equity

Franklin DynaTech VIP Fund - Class 2 (1)

Franklin Advisers, Inc.

0.88%

18.13%

9.09%

14.08%

Asset Allocation

Franklin Income VIP Fund - Class 2

Franklin Advisers, Inc.

0.72%

12.56%

7.66%

7.30%

Asset Allocation

Franklin Mutual Shares VIP Fund - Class 2

Franklin Mutual Advisers, LLC

0.94%

11.52%

9.20%

7.53%

U.S. Equity

Franklin Small Cap Value VIP Fund - Class 2 (1)

Franklin Mutual Advisers, LLC

0.91%**

7.65%

8.86%

9.81%

U.S. Equity

Franklin Small-Mid Cap Growth VIP Fund - Class 2 (1)

Franklin Advisers, Inc.

1.09%

2.52%

1.03%

9.89%

Taxable Bond

Franklin U.S. Government Securities VIP Fund - Class 2

Franklin Advisers, Inc.

0.79%

6.69%

0.02%

1.14%

International Equity

Invesco V.I. EQV International Equity Fund - Series II (2)

Invesco Advisers, Inc.

1.15%

16.23%

3.42%

5.95%

International Equity

Invesco V.I. EQV International Equity Fund - Series I (2) (4)

Invesco Advisers, Inc.

0.90%

16.50%

3.68%

6.22%

Sector Equity

Invesco V.I. Global Real Estate Fund - Series I (3)

Invesco Advisers, Inc. Sub-advised by Invesco Asset Management Limited

1.02%

7.85%

1.73%

2.44%

Asset Allocation

LVIP American Century Balanced Fund - Standard Class II

American Century Investment Management, Inc.

0.77%**

9.62%

6.49%

8.03%

Taxable Bond

LVIP American Century Inflation Protection Fund - Service Class

American Century Investment Management, Inc.

0.72%**

6.33%

0.62%

2.61%

International Equity

LVIP American Century International Fund - Standard Class II

American Century Investment Management, Inc.

0.95%**

15.98%

1.85%

6.42%

U.S. Equity

LVIP American Century Ultra Fund - Standard Class II (5)

American Century Investment Management, Inc.

0.75%**

12.84%

11.68%

17.16%

TYPE

PORTFOLIO NAME AND ADVISOR

CURRENT EXPENSES

(As of 12/31/2025)

AVERAGE ANNUAL TOTAL RETURN

(As of 12/31/2025)

1 Year

5 Year

10 Year

U.S. Equity

LVIP JPMorgan Mid Cap Value Fund - Standard Class

Lincoln Investment Advisors Corporation Sub-advised by J.P. Morgan Investment Management Inc.

0.74%

4.72%

9.63%

8.77%

Commodities

PIMCO CommodityRealReturn® Strategy Portfolio - Administrative Class

Pacific Investment Management Company LLC

3.19%**

18.79%

10.55%

6.54%

Taxable Bond

Victory Pioneer High Yield VCT Portfolio - Class II Shares

Victory Capital Management Inc.

1.22%**

7.92%

3.95%

5.16%

Taxable Bond

Victory Pioneer Strategic Income VCT Portfolio - Class II Shares

Victory Capital Management Inc.

1.69%**

10.85%

1.99%

3.64%

International Equity

Templeton Emerging Markets VIP Fund - Class 2

Templeton Asset Management Ltd. Sub-advised by Franklin Templeton Investment Management Limited

1.37%

46.27%

5.46%

10.04%

Taxable Bond

Templeton Global Bond VIP Fund - Class 2

Franklin Advisers, Inc.

0.75%**

15.73%

(0.96)%

(0.15)%

International Equity

Templeton Growth VIP Fund - Class 2

Templeton Global Advisors Limited

1.12%**

23.83%

7.95%

7.04%

Sector Equity

Vanguard VIF - Real Estate Index Portfolio

The Vanguard Group, Inc.

0.26%

3.11%

4.51%

5.08%