Protective Variable Annuity Separate Account

12/19/2025 | Press release | Distributed by Public on 12/19/2025 11:11

Summary Prospectus for New Investors by Investment Company (Form 497VPI)

Supplement dated December 19, 2025, to the Initial Summary Prospectus, Updating Summary Prospectus,

and Prospectus dated May 1, 2025, for the

Protective® Investors Benefit Advisory Variable Annuity

issued by Protective Life Insurance Company

Protective Variable Annuity Separate Account

Supplement dated December 19, 2025, to the Initial Summary Prospectus, Updating Summary Prospectus,

and Prospectus dated May 1, 2025,

for the Protective® Investors Benefit Advisory Variable Annuity NY

issued by Protective Life and Annuity Insurance Company

Variable Annuity Account A of Protective Life

This Supplement amends certain information in your variable annuity contract prospectus, initial summary prospectus, and updating summary prospectus (collectively, the "Prospectuses"). Please read this Supplement carefully and keep it with your Prospectuses for future reference. You may obtain a current prospectus by visiting www.protective.com/productprospectus or by calling 1-800-456-6330.

Effective immediately, the following information in the "APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT" section of the Prospectuses is removed and replaced by the following:

Asset
Allocation
Type
Portfolio Company -
Investment
Adviser; Sub-
Adviser(s), as applicable
Current
Expenses
Average Annual Total Returns
(as of 12/31/2024)
SecurePay
Pro Rider
Allocation
Investment
Category(2)
1 Year 5 Year 10 Year
U.S. Equity Vanguard® VIF Diversified Value Portfolio - Aristotle Capital Management, LLC, Harris Associates L.P., Hotchkis and Wiley Capital Management, LLC 0.28% 14.89% 12.24% 9.76% 3

If you have any questions regarding this Supplement, please contact your investment professional or us toll free at 1-800-456-6330. Please keep this Supplement for future reference.

Protective Variable Annuity Separate Account published this content on December 19, 2025, and is solely responsible for the information contained herein. Distributed via Edgar on December 19, 2025 at 17:11 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 If you believe the information included in the content is inaccurate or outdated and requires editing or removal, please contact us at [email protected]