Variable Account D of Union Security Insurance Co.

04/23/2026 | Press release | Distributed by Public on 04/23/2026 06:32

Updating Summary Prospectus (Form 497VPU)


Table of Contents
OPPORTUNITY VARIABLE ANNUITY
UNION SECURITY INSURANCE COMPANY

Updating Summary Prospectus for Existing Investors
May 1, 2026

This updating summary prospectus provides updated information about the Opportunity Variable Annuity (the "contract"), an individual deferred flexible premium variable annuity contract. The contract is issued by us, Union Security Insurance Company ("Union Security," "we," "us," and "our") and administered by Talcott Resolution Life and Annuity Insurance Company ("Talcott Resolution," "we, "us," "our")
The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Withdrawals could result in surrender charges, federal and state income taxes, and a 10% federal penalty tax. Withdrawals will also reduce death benefits and other guaranteed benefits under the contract.
The contract is a complex investment and involves risks, including potential loss of principal. All guarantees and obligations under the contract are subject to the financial strength and claims-paying ability of Union Security.
The prospectus for the contract contains more information about the contract including its features, benefits and risks. You can find the current prospectus and other information about the contract online at: https://vpx.broadridge.com/GetContract1.asp?clientid=talcottvpx&fundid=34956F307. You can also obtain this information at no cost by contacting us as instructed below.
Additional information about certain investment products, including variable and fixed annuities, has been prepared by the staff of the Securities and Exchange Commission (SEC) and is available at Investor.gov.
For additional information, please contact your investment professional or contact us by:
a.Mailing: Talcott Resolution
PO Box 14293
Lexington, KY 40512-4293
a.Calling: 1-800-862-6668
b. Emailing: [email protected]
c. Visiting: www.talcottresolution.com


Table of Content
Page
Special Terms Used in this Summary Prospectus
2
Updated Information About Your Contract
2
Important Information You Should Consider About the Contract
2
Appendix A - Investment Options Available Under the Contract
APP A-1



Table of Contents
Special Terms Used in this Summary Prospectus
Contract Owner The owner or holder of the contact including any joint owner(s) (or "you").
Contract Value The total value of your allocations to the Sub-Accounts (and the Fixed Accumulation Feature, if applicable).
Fixed Accumulation Feature or FAF
Part of our General Account, where you may allocate all or a portion of your Contract Value. In your Contract, the FAF may be called the "Fixed Account."
Fund A registered investment company or a series thereof in which assets of a Sub-Account may be invested.
Premium Payment Money sent to us to be invested in your Contract.
Sub-Accounts
The variable investment options under the Contract, also referred to as Fund options.
Sub-Account Value The value of your allocations to the Sub-Accounts.



Updated Information About Your Contract
The following is a summary of certain contract features that have changed since the prospectus dated May 1, 2025, This may not reflect all of the changes that have occurred since you entered into your contract.

There were no reportable changes to your contract since the date of the last prospectus.


Important Information You Should Consider About the Contract
FEES AND EXPENSES Location in Prospectus
Are there Charges for Early Withdrawals?
Yes. Your Contract may be subject to surrender charges. Surrender charges may apply to both partial and full Surrenders.
•If you withdraw money from your contract within 6 years following your last premium payment, you may be assessed a surrender charge of up to 5% (as a percentage if premium payments withdrawn), declining to 0% over that time period.
For example, if you were to withdraw $100,000 during a surrender charge period, you could be assessed a charge of up to $5,000. Losses due to surrender charges will be greater if there are taxes or tax penalties
4. Fee Table

7. The Contract - c. Charges and Fees - Sales Charges
Are there Transaction Charges?
Yes. In addition to surrender charges (if any), you may also be charged for other transactions under your contract.
•There is a $100 charge for each 403(b) Contract loan.
4. Fee Table
Are there Ongoing Fees and Expenses?
Yes. The table below describes the current fees and expenses of the contract that you may pay each year, depending on the investment options and optional benefits you choose. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected. Fees and expenses do not reflect any advisory fees paid to financial intermediaries from Contract Value or other assets of the Contract Owner. If such charges were reflected, the fees and expenses would be higher.
4. Fee Table

7. The Contract - c. Charges and Fees
Annual Fee Minimum Maximum
Base Contract
(varies by contract class) 		1.36%¹ 1.36%¹
Fund fees and expenses 0.13%² 0.92%²
1 As a percentage of average daily Sub-Account Values. Includes the Mortality and Expense Risk Charge and Administrative Charge, plus a percentage attributable to the Annual Maintenance Fee.
2 As a percentage of Fund net assets.
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Because your contract is customizable, the choices you make effect 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. This estimate assumes that you do not take withdrawals from the contract, which could add surrender charges that substantially increase costs.
Lowest Annual Cost: $1,780 Highest Annual Cost: $2,629
Assumes: Assumes:
•Investment of $100,000
•Investment of $100,000
•5% annual appreciation
•5% annual appreciation
•Least expensive Fund fees and expenses
•Most expensive Fund fees and expenses
•No sales charges or advisory fees
•No sales charges or advisory fees
•No additional premium payments, transfers or withdrawals
•No additional premium 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.
5. Principal Risks of Investing in the Contract
Is this a Short-Term Investment?
No.
•This contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash.
•Surrender charges may apply to withdrawals. If you take a withdrawal, a surrender charge may reduce the value of your contract or the amount of money that you actually receive.
•The benefits of tax deferral, long-term income, and living benefit guarantees are generally more beneficial to investors with a long-time horizon.
•Withdrawals may be subject to taxes and a 10% penalty tax may be applied to withdrawals before age 59½.
What are the Risks Associated with the Investment Options?
•An investment in this contract is subject to the risk of poor investment performance and can vary depending on the performance of the investment options available under the contract (e.g., the Funds).
•Each investment option (including the FAF, if available) has its own unique risks.
•You should review the available investment options before making an investment decision.
What are the Risks Related to the Insurance Company? An investment in the contract is subject to the risks related to us. Any obligations, guarantees or benefits of the contract are subject to our claims-paying ability. If we experience financial distress, we may not be able to meet our obligations to you. More information about Union Security, including our financial strength ratings, is available upon request by visiting www.trustage.com or calling 1-800-356-2644.
RESTRICTIONS Location in Prospectus
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Are there Restrictions on the Investment Options?
Yes.
•Certain investment options may not be available under your contract.
•You are allowed to make 1 transfer between the Fund options per day. You are allowed to make 20 transfers between the Fund options per year before we require you to submit additional transfer requests by mail. Your transfer between the Fund options are subject to policies designed to deter excessively frequent transfers and market timing. These transfer restrictions do not apply to transfers under the contract's automatic transfer programs.
•There are restrictions on the maximum amount that may be transferred annually from the FAF to the Fund options. If the FAF is available for investment, you must wait 6 months after your most recent transfer from the FAF before making a subsequent transfer into the FAF. These transfer restrictions may apply to the contract's automatic income programs.
•We reserve the right to remove or substitute Funds as investment options.
•The availability of Contract benefits may vary depending on the broker-dealer through which the Contact is sold.
6. General Information

7. The Contract - a. Purchases and Contract Value

Appendix A - Investment Options Available Under the Contract

Appendix C - Financial Intermediary Variations
Are there any Restrictions on Contract Benefits?
Yes.
•Optional benefits may further limit or restrict the investment options that you may select under the contract. We may impose these restrictions in the future.
•Withdrawals may significantly reduce the death benefit.
•Withdrawals may reduce the value of an optional benefit by an amount greater than the value withdrawn or may may result in termination of the benefit.
•Contract Benefits may not be modified or terminated by us, except as otherwise provided.
•If you receive services for your Contract from a third-party financial intermediary who charges an advisory fee for their services, that fee is in addition to Contract fees and expenses. If you elect to pay the advisory fee by taking withdrawals from your Contract Value, the deduction for that fee is subject to surrender charges and will count toward your Annual Withdrawal Amount. Withdrawals to pay advisory fees will also reduce death benefits and other guaranteed benefits under the Contract and may be subject to federal and state income taxes and a 10% federal penalty tax.
•The availability of Contract benefits may vary depending on the broker-dealer through which the Contact is sold.
7. The Contract - c. Charges and Fees - Deduction of Advisory Fee

7. The Contract c. Charges and Fees

8. Benefits Available Under the Contract

9. Death Benefits

12. Federal Tax Considerations

Appendix A - Investment Options Available Under the Contract

Appendix C - Financial Intermediary Variations
TAXES Location in Prospectus
What are the Contract's Tax Implications?
•Consult with a tax professional to determine the tax implications of an investment in and payments received under the contract.
•If you purchased the contract through a tax-qualified plan or IRA, you do not get any additional tax benefit under the contract.
•Earnings on your contract are taxed at ordinary income rates when you withdraw them and you may have to pay a penalty if you take a withdrawal before age 59½.
12. Federal Tax Considerations
CONFLICTS OF INTEREST Location in Prospectus
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How are Investment Professionals Compensated?
Your investment professional may receive compensation for selling this contract to you, in the form of commissions, additional payments, and non-cash compensation. We may share the revenue we earn on this contract with your investment professional's firm. This conflict of interest may influence your investment professional to recommend this contract over another investment for which the investment professional is not compensated or compensated less.
11. Miscellaneous - (e) How Contracts Were Sold
Should I Exchange My Contract? Some investment professionals may have a financial incentive to offer you a new contract in place of the one you already own. You should only exchange a contract you already own if you determine, after comparing the features, fees and risks of both contracts, and any fees or penalties to terminate your existing contract, that it is better for you to purchase the new contract rather than continue to own your existing contract. 7.a. Purchases and Contract Value - Replacement of Annuities

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Appendix A - Investment Options Available Under the Contract
The following is a list of Funds available under the contract. More information about the Funds is available in the prospectuses for the Funds, which may be amended from time to time and can be found online at: https://vpx.broadridge.com/GetContract1.asp?clientid=talcottvpx&fundid=34956F307.
You can also request this information at no cost by calling 1-800-862-6668 or by sending an email request to [email protected].
The availability of Contract benefits may vary depending on the broker-dealer through which the Contact is sold. See Appendix C - Financial Intermediary Variations in your prospectus for additional information.
The current expenses and performance information below reflects fee and expenses of the Funds, but do not reflect the other fees and expenses that your contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Fund's past performance is not necessarily an indication of future performance.
Type Fund and Adviser/Subadviser Current
Expenses 		Average Annual Total Returns
(as of 12/31/25)
1 Year 5 Year 10 Year
U.S. Equity BlackRock S&P 500 Index V.I. Fund - Class I
Adviser: BlackRock Advisors, LLC 		0.13% 17.72% 14.28% 14.63%
Allocation Hartford Balanced HLS Fund - Class IA
Adviser: Hartford Funds Management Company, LLC
Subadviser: Wellington Management Company LLP 		0.66% 12.14% 8.20% 8.97%
U.S. Equity Hartford Capital Appreciation HLS Fund - Class IA
Adviser: Hartford Funds Management Company, LLC
Subadviser: Wellington Management Company LLP 		0.67% 13.72% 9.96% 11.93%
U.S. Equity Hartford Disciplined Equity HLS Fund - Class IA
Adviser: Hartford Funds Management Company, LLC
Subadviser: Wellington Management Company LLP 		0.59% 14.32% 12.07% 13.46%
U.S. Equity Hartford Dividend and Growth HLS Fund - Class IA
Adviser: Hartford Funds Management Company, LLC
Subadviser: Wellington Management Company LLP 		0.66% 17.49% 12.68% 12.48%
International Equity Hartford International Opportunities HLS Fund - Class IA
Adviser: Hartford Funds Management Company, LLC
Subadviser: Wellington Management Company LLP 		0.76% 30.41% 6.86% 8.14%
U.S. Equity Hartford MidCap HLS Fund - Class IA
Adviser: Hartford Funds Management Company, LLC
Subadviser: Wellington Management Company LLP 		0.76% (0.38)% 0.24% 8.05%
U.S. Equity Hartford Small Cap Growth HLS Fund - Class IA
Adviser: Hartford Funds Management Company, LLC
Subadviser: Wellington Management Company LLP 		0.66% 6.83% 1.27% 8.66%
U.S. Equity Hartford Stock HLS Fund - Class IA
Adviser: Hartford Funds Management Company, LLC
Subadviser: Wellington Management Company LLP 		0.52% 7.97% 8.44% 10.98%
Fixed Income Hartford Total Return Bond HLS Fund - Class IA
Adviser: Hartford Funds Management Company, LLC
Subadviser: Wellington Management Company LLP 		0.51% 7.30% (0.04)% 2.75%
Fixed Income Hartford Ultrashort Bond HLS Fund - Class IA
Adviser: Hartford Funds Management Company, LLC
Subadviser: Wellington Management Company LLP 		0.45% 4.51% 2.88% 2.21%
Money Market Invesco V.I. Government Money Market Fund - Series I**
Adviser: Invesco Advisers, Inc. 		0.38% 4.03% 3.05% 1.96%
Fixed Income Invesco V.I. Government Securities Fund - Series I
Adviser: Invesco Advisers, Inc. 		0.70% 7.37% 0.04% 1.60%
Fixed Income Invesco V.I. High Yield Fund - Series I
Adviser: Invesco Advisers, Inc. 		0.92% 6.73% 3.64% 4.83%
* As noted, annual expenses reflect a contractual fee reduction under an expense reimbursement or fee waiver arrangement.
** In a low interest rate environment, yields for money market funds, after deduction of contract charges, may be negative even though the fund's yield, before deducting for such charges, is positive. If you allocate a portion of your Contact Value to a money market Sub-Account or participate in an Asset Allocation Program, if available, where Contract Value is allocated to a money market Sub-Account, that portion of the value of your Contract Value may decrease in value.

APP A-1

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The following is the fixed option currently available under the Contract. We may change the features of the fixed option listed below, offer new fixed options, and terminate existing fixed options. We will provide you with written notice before doing so.
Name Term Minimum Guaranteed Interest Rate
Fixed Accumulation Feature N/A 4%




APP A-2

Table of Contents
The prospectus and Statement of Additional Information ("SAI") contain additional information about the Contract, Union Security, and the Separate Account. The prospectus and SAI, dated the same date as this updating summary prospectus, are incorporated by reference. The prospectus and SAI are available, without charge, upon request. You may request copies of the prospectus or SAI, request information about your contract, and make other inquiries about your contract by:

aMailing: Union Security, c/o Talcott Resolution, PO Box 14293, Lexington, KY 40512-4293
a.Calling: 1-800-862-6668
b. Emailing: [email protected]
c.Visiting: www.talcottresolution.com
EDGAR identifier: C000007044





Variable Account D of Union Security Insurance Co. published this content on April 23, 2026, and is solely responsible for the information contained herein. Distributed via EDGAR on April 23, 2026 at 12:32 UTC. If you believe the information included in the content is inaccurate or outdated and requires editing or removal, please contact us at [email protected]