Separate Account Va 6Ny of TFLIC

04/24/2026 | Press release | Distributed by Public on 04/24/2026 15:23

Financial Statements by Insurance Company (Form N-VPFS)

FINANCIAL STATEMENTS
Transamerica Financial Life Insurance Company
Separate Account VA 6NY of TFLIC
Years Ended December 31, 2025 and 2024
Transamerica Financial Life Insurance Company
Separate Account VA 6NY of TFLIC
Financial Statements
Years Ended December 31, 2025 and 2024
Report of Independent Registered Public Accounting Firm 3
Statements of Assets and Liabilities 4
Statements of Operations and Changes in Net Assets 6
Notes to Financial Statements 10
2
Report of Independent Registered Public Accounting Firm
To the Board of Directors of Transamerica Financial Life Insurance Company and
Contract Owners of Separate Account VA 6NY of TFLIC
Opinion on the Financial Statements
We have audited the accompanying statements of assets and liabilities of each of the subaccounts listed in the table below that comprise Separate Account VA 6NY of TFLIC (the Separate Account), as of December 31, 2025, the related statements of operations and changes in net assets for each of the periods indicated in the table below, and the related notes (collectively referred to as the "financial statements"). In our opinion, the financial statements present fairly, in all material respects, the financial position of each subaccount as of December 31, 2025, the results of its operations and changes in its net assets for each of the periods indicated in the table below, in conformity with U.S. generally accepted accounting principles.
Subaccounts
AB Large Cap Growth Class A Shares (1)
Janus Henderson - Global Research Institutional Shares (1)
AB Relative Value Class A Shares (1)
MFS® Growth Initial Class (1)
Alger Growth & Income Class I-2 Shares (1)
MFS® Investors Trust Initial Class (1)
BNY Mellon Small Cap Initial Shares (1)
MFS® Research Initial Class (1)
BNY Mellon VIF Appreciation Initial Shares (1)
MS VIF Global Strategist Class I Shares (1)
Invesco V.I. High Yield Series I Shares (1)
TA BlackRock Government Money Market Initial Class (1)
Janus Henderson - Balanced Institutional Shares (1)
TA WMC US Growth Initial Class (1)
(1) Statements of operations and changes in net assets for the years ended December 31, 2025 and 2024
Basis for Opinion
These financial statements are the responsibility of the Separate Account's management. Our responsibility is to express an opinion on each of the subaccounts' financial statements based on our audits. We are a public accounting firm registered with the Public Company Accounting Oversight Board (United States) ("PCAOB") and are required to be independent with respect to the Separate Account in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.
We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement, whether due to error or fraud. Our audits included performing procedures to assess the risks of material misstatement of the financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Our procedures included confirmation of securities owned as of December 31, 2025, by correspondence with the fund companies or their transfer agents, as applicable. Our audits also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the financial statements. We believe that our audits provide a reasonable basis for our opinion.
/s/ Ernst & Young LLP
We have served as the auditor of the Separate Account since 2024.
Chicago, IL
April 24, 2026
3
Transamerica Financial Life Insurance Company
Separate Account VA 6NY of TFLIC
Statements of Assets and Liabilities
December 31, 2025
Subaccount Number of Shares Cost Assets at Market Value Due (to)/from General Account Net Assets Units Outstanding Range of Unit Values
AB Large Cap Growth Class A Shares 5,518.618 $ 354,000 $ 510,748 $ (6) $ 510,742 5,675 $ 90.000545 $ 90.000545
AB Relative Value Class A Shares 4,413.296 124,733 140,078 (1) 140,077 2,148 65.222039 65.222039
Alger Growth & Income Class I-2 Shares 11,910.229 227,180 418,287 1 418,288 5,110 81.849245 81.849245
BNY Mellon Small Cap Initial Shares 270.207 12,116 12,970 - 12,970 382 33.929935 33.929935
BNY Mellon VIF Appreciation Initial Shares 8,850.846 311,845 298,008 (1) 298,007 4,700 63.405312 63.405312
Invesco V.I. High Yield Series I Shares 2,307.415 11,841 10,937 - 10,937 6,982 1.566540 1.566540
Janus Henderson - Balanced Institutional Shares 3,408.681 122,243 190,409 (1) 190,408 2,504 76.038639 76.038639
Janus Henderson - Global Research Institutional Shares 2,436.432 115,258 194,111 5 194,116 3,712 52.291735 52.291735
MFS® Growth Initial Class 1,614.710 92,542 109,558 1 109,559 1,141 96.049379 96.049379
MFS® Investors Trust Initial Class 3,069.424 82,014 80,296 1 80,297 1,418 56.634345 56.634345
MFS® Research Initial Class 3,384.437 98,139 103,191 (1) 103,190 1,595 64.688209 64.688209
MS VIF Global Strategist Class I Shares 4,978.235 44,536 51,973 - 51,973 2,174 23.901650 23.901650
TA BlackRock Government Money Market Initial Class 54,241.120 54,241 54,241 (2) 54,239 45,211 1.199690 1.199690
TA WMC US Growth Initial Class 6,978.265 253,579 292,110 2 292,112 2,585 112.986459 112.986459
See accompanying notes
4
Transamerica Financial Life Insurance Company
Separate Account VA 6NY of TFLIC
Statements of Assets and Liabilities
December 31, 2025
Subaccount Net Assets Representing: Accumulation Units Net Assets Representing: Contracts in Payout (Annuitization) Period Total Net Assets
AB Large Cap Growth Class A Shares $ 510,742 $ - $ 510,742
AB Relative Value Class A Shares 140,077 - 140,077
Alger Growth & Income Class I-2 Shares 418,288 - 418,288
BNY Mellon Small Cap Initial Shares 12,970 - 12,970
BNY Mellon VIF Appreciation Initial Shares 298,007 - 298,007
Invesco V.I. High Yield Series I Shares 10,937 - 10,937
Janus Henderson - Balanced Institutional Shares 190,408 - 190,408
Janus Henderson - Global Research Institutional Shares 194,116 - 194,116
MFS® Growth Initial Class 109,559 - 109,559
MFS® Investors Trust Initial Class 80,297 - 80,297
MFS® Research Initial Class 103,190 - 103,190
MS VIF Global Strategist Class I Shares 51,973 - 51,973
TA BlackRock Government Money Market Initial Class 52,278 1,961 54,239
TA WMC US Growth Initial Class 292,112 - 292,112
See accompanying notes
5
Transamerica Financial Life Insurance Company
Separate Account VA 6NY of TFLIC
Statements of Operations and Changes in Net Assets
Years Ended December 31, 2025 and 2024
AB Large Cap Growth Class A Shares AB Relative Value Class A Shares Alger Growth & Income Class I-2 Shares BNY Mellon Small Cap Initial Shares
Subaccount Subaccount Subaccount Subaccount
Net Assets as of December 31, 2023: $ 440,036 $ 117,612 $ 303,406 $ 11,475
Investment Income:
Reinvested Dividends 277 1,863 1,959 79
Investment Expense:
Mortality and Expense Risk and Administrative Charges 6,811 1,722 4,474 157
Net Investment Income (Loss) (6,534) 141 (2,515) (78)
Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions 20,525 4,425 1,189 -
Realized Gain (Loss) on Investments 5,760 926 12,393 9
Net Realized Capital Gains (Losses) on Investments 26,285 5,351 13,582 9
Net Change in Unrealized Appreciation (Depreciation) 83,794 7,968 51,467 438
Net Gain (Loss) on Investment 110,079 13,319 65,049 447
Net Increase (Decrease) in Net Assets Resulting from Operations 103,545 13,460 62,534 369
Increase (Decrease) in Net Assets from Contract Transactions (1,219) (1,140) (13,559) -
Total Increase (Decrease) in Net Assets 102,326 12,320 48,975 369
Net Assets as of December 31, 2024: $ 542,362 $ 129,932 $ 352,381 $ 11,844
Investment Income:
Reinvested Dividends - 1,485 5,885 79
Investment Expense:
Mortality and Expense Risk and Administrative Charges 6,668 1,788 5,009 162
Net Investment Income (Loss) (6,668) (303) 876 (83)
Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions 41,459 10,819 46,406 -
Realized Gain (Loss) on Investments 58,640 1,112 4,762 15
Net Realized Capital Gains (Losses) on Investments 100,099 11,931 51,168 15
Net Change in Unrealized Appreciation (Depreciation) (45,412) 1 15,404 1,194
Net Gain (Loss) on Investment 54,687 11,932 66,572 1,209
Net Increase (Decrease) in Net Assets Resulting from Operations 48,019 11,629 67,448 1,126
Increase (Decrease) in Net Assets from Contract Transactions (79,639) (1,484) (1,541) -
Total Increase (Decrease) in Net Assets (31,620) 10,145 65,907 1,126
Net Assets as of December 31, 2025: $ 510,742 $ 140,077 $ 418,288 $ 12,970
See Accompanying Notes
(1)See Footnote 1
6
Transamerica Financial Life Insurance Company
Separate Account VA 6NY of TFLIC
Statements of Operations and Changes in Net Assets
Years Ended December 31, 2025 and 2024
BNY Mellon VIF Appreciation Initial Shares Invesco V.I. High Yield Series I Shares Janus Henderson - Balanced Institutional Shares Janus Henderson - Global Research Institutional Shares
Subaccount Subaccount Subaccount Subaccount
Net Assets as of December 31, 2023: $ 260,927 $ 9,999 $ 160,594 $ 179,103
Investment Income:
Reinvested Dividends 1,172 592 3,355 1,494
Investment Expense:
Mortality and Expense Risk and Administrative Charges 3,735 139 2,235 2,696
Net Investment Income (Loss) (2,563) 453 1,120 (1,202)
Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions 20,023 - - 6,276
Realized Gain (Loss) on Investments (3,592) (23) 7,083 7,636
Net Realized Capital Gains (Losses) on Investments 16,431 (23) 7,083 13,912
Net Change in Unrealized Appreciation (Depreciation) 15,416 200 13,162 25,999
Net Gain (Loss) on Investment 31,847 177 20,245 39,911
Net Increase (Decrease) in Net Assets Resulting from Operations 29,284 630 21,365 38,709
Increase (Decrease) in Net Assets from Contract Transactions (11,722) (117) (14,010) (9,955)
Total Increase (Decrease) in Net Assets 17,562 513 7,355 28,754
Net Assets as of December 31, 2024: $ 278,489 $ 10,512 $ 167,949 $ 207,857
Investment Income:
Reinvested Dividends 1,045 760 3,640 1,339
Investment Expense:
Mortality and Expense Risk and Administrative Charges 3,828 144 2,378 2,551
Net Investment Income (Loss) (2,783) 616 1,262 (1,212)
Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions 42,427 - 5,799 15,335
Realized Gain (Loss) on Investments (1,482) (28) 1,139 30,045
Net Realized Capital Gains (Losses) on Investments 40,945 (28) 6,938 45,380
Net Change in Unrealized Appreciation (Depreciation) (14,253) (31) 14,559 (12,167)
Net Gain (Loss) on Investment 26,692 (59) 21,497 33,213
Net Increase (Decrease) in Net Assets Resulting from Operations 23,909 557 22,759 32,001
Increase (Decrease) in Net Assets from Contract Transactions (4,391) (132) (300) (45,742)
Total Increase (Decrease) in Net Assets 19,518 425 22,459 (13,741)
Net Assets as of December 31, 2025: $ 298,007 $ 10,937 $ 190,408 $ 194,116
See Accompanying Notes
(1)See Footnote 1
7
Transamerica Financial Life Insurance Company
Separate Account VA 6NY of TFLIC
Statements of Operations and Changes in Net Assets
Years Ended December 31, 2025 and 2024
MFS® Growth Initial Class MFS® Investors Trust Initial Class MFS® Research Initial Class MS VIF Global Strategist Class I Shares
Subaccount Subaccount Subaccount Subaccount
Net Assets as of December 31, 2023: $ 81,695 $ 62,434 $ 85,157 $ 42,314
Investment Income:
Reinvested Dividends - 484 533 -
Investment Expense:
Mortality and Expense Risk and Administrative Charges 1,258 933 1,215 595
Net Investment Income (Loss) (1,258) (449) (682) (595)
Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions 7,050 4,927 5,126 -
Realized Gain (Loss) on Investments 3,368 820 2,262 26
Net Realized Capital Gains (Losses) on Investments 10,418 5,747 7,388 26
Net Change in Unrealized Appreciation (Depreciation) 14,460 5,769 7,566 3,120
Net Gain (Loss) on Investment 24,878 11,516 14,954 3,146
Net Increase (Decrease) in Net Assets Resulting from Operations 23,620 11,067 14,272 2,551
Increase (Decrease) in Net Assets from Contract Transactions (6,108) (799) (6,751) -
Total Increase (Decrease) in Net Assets 17,512 10,268 7,521 2,551
Net Assets as of December 31, 2024: $ 99,207 $ 72,702 $ 92,678 $ 44,865
Investment Income:
Reinvested Dividends - 1,213 933 -
Investment Expense:
Mortality and Expense Risk and Administrative Charges 1,380 1,005 1,288 649
Net Investment Income (Loss) (1,380) 208 (355) (649)
Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions 18,710 31,034 22,863 1,685
Realized Gain (Loss) on Investments 749 934 284 82
Net Realized Capital Gains (Losses) on Investments 19,459 31,968 23,147 1,767
Net Change in Unrealized Appreciation (Depreciation) (7,487) (23,514) (12,275) 5,990
Net Gain (Loss) on Investment 11,972 8,454 10,872 7,757
Net Increase (Decrease) in Net Assets Resulting from Operations 10,592 8,662 10,517 7,108
Increase (Decrease) in Net Assets from Contract Transactions (240) (1,067) (5) -
Total Increase (Decrease) in Net Assets 10,352 7,595 10,512 7,108
Net Assets as of December 31, 2025: $ 109,559 $ 80,297 $ 103,190 $ 51,973
See Accompanying Notes
(1)See Footnote 1
8
Transamerica Financial Life Insurance Company
Separate Account VA 6NY of TFLIC
Statements of Operations and Changes in Net Assets
Years Ended December 31, 2025 and 2024
TA BlackRock Government Money Market Initial Class TA WMC US Growth Initial Class
Subaccount Subaccount
Net Assets as of December 31, 2023: $ 51,395 $ 279,777
Investment Income:
Reinvested Dividends 2,569 35
Investment Expense:
Mortality and Expense Risk and Administrative Charges 703 4,292
Net Investment Income (Loss) 1,866 (4,257)
Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions - 28,836
Realized Gain (Loss) on Investments - 5,748
Net Realized Capital Gains (Losses) on Investments - 34,584
Net Change in Unrealized Appreciation (Depreciation) - 44,949
Net Gain (Loss) on Investment - 79,533
Net Increase (Decrease) in Net Assets Resulting from Operations 1,866 75,276
Increase (Decrease) in Net Assets from Contract Transactions (160) (8,639)
Total Increase (Decrease) in Net Assets 1,706 66,637
Net Assets as of December 31, 2024: $ 53,101 $ 346,414
Investment Income:
Reinvested Dividends 2,139 -
Investment Expense:
Mortality and Expense Risk and Administrative Charges 719 3,829
Net Investment Income (Loss) 1,420 (3,829)
Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions - 43,163
Realized Gain (Loss) on Investments - 27,927
Net Realized Capital Gains (Losses) on Investments - 71,090
Net Change in Unrealized Appreciation (Depreciation) - (34,542)
Net Gain (Loss) on Investment - 36,548
Net Increase (Decrease) in Net Assets Resulting from Operations 1,420 32,719
Increase (Decrease) in Net Assets from Contract Transactions (282) (87,021)
Total Increase (Decrease) in Net Assets 1,138 (54,302)
Net Assets as of December 31, 2025: $ 54,239 $ 292,112
See Accompanying Notes
(1)See Footnote 1
9
Transamerica Financial Life Insurance Company
Separate Account VA 6NY of TFLIC
Notes to Financial Statements
December 31, 2025
1. Organization
Separate Account VA 6NY of TFLIC (the Separate Account) is a segregated investment account of Transamerica Financial Life Insurance Company (TFLIC), an indirect wholly owned subsidiary of Aegon Ltd., a holding company organized under the laws of the Bermuda.
The Separate Account is registered with the Securities and Exchange Commission as a Unit Investment Trust pursuant to provisions of the Investment Company Act of 1940. TFLIC and the Separate Account are regulated by the Securities and Exchange Commission. The assets and liabilities of the Separate Account are clearly identified and distinguished from TFLIC's other assets and liabilities. The Separate Account consists of multiple investment subaccounts. Each subaccount invests exclusively in the corresponding portfolio of a Mutual Fund. Each Mutual Fund is registered as an open-end management investment company under the Investment Company Act of 1940, as amended. Activity in these specified investment subaccounts is available to contract owners of Transamerica Classic® Variable Annuity (NY).
Subaccount Investment by Mutual Fund:
Subaccount Mutual Fund
AB Variable Products Series Fund, Inc.: AB Variable Products Series Fund, Inc.:
AB Large Cap Growth Class A Shares AllianceBernstein Large Cap Growth Portfolio Class A Shares
AB Relative Value Class A Shares AllianceBernstein Relative Value Portfolio Class A Shares
The Alger Portfolios: The Alger Portfolios:
Alger Growth & Income Class I-2 Shares Alger Growth & Income Portfolio Class I-2 Shares
BNY Mellon Variable Investment Fund: BNY Mellon Variable Investment Fund:
BNY Mellon VIF Appreciation Initial Shares BNY Mellon VIF Appreciation Portfolio Initial Shares
BNY Mellon VIF Opportunistic Small Cap Initial Shares BNY Mellon VIF Opportunistic Small Cap Portfolio Initial Shares
AIM Variable Insurance Funds (Invesco Variable Insurance Funds): AIM Variable Insurance Funds (Invesco Variable Insurance Funds):
Invesco V.I. High Yield Series I Shares Invesco V.I. High Yield Fund Series I Shares
Janus Aspen Series: Janus Aspen Series:
Janus Henderson - Balanced Institutional Shares Janus Henderson - Balanced Portfolio Institutional Shares
Janus Henderson - Global Research Institutional Shares Janus Henderson - Global Research Portfolio Institutional Shares
MFS® Variable Insurance Trust: MFS® Variable Insurance Trust:
MFS® Growth Initial Class MFS® Growth Series Initial Class
MFS® Investors Trust Initial Class MFS® Investors Trust Series Initial Class
MFS® Research Initial Class MFS® Research Series Initial Class
Morgan Stanley Variable Insurance Fund, Inc. Morgan Stanley Variable Insurance Fund, Inc.
MS VIF Global Strategist Class I Shares MS VIF Global Strategist Portfolio Class I Shares
Transamerica Series Trust: Transamerica Series Trust:
TA BlackRock Government Money Market Initial Class Transamerica BlackRock Government Money Market VP Initial Class
TA WMC US Growth Initial Class Transamerica WMC US Growth VP Initial Class
The following subaccount name changes were made effective during the fiscal year ended December 31, 2025:
Subaccount Formerly
BNY Mellon Small Cap Initial Shares BNY Mellon VIF Opportunistic Small Cap Initial Shares
10
Transamerica Financial Life Insurance Company
Separate Account VA 6NY of TFLIC
Notes to Financial Statements
December 31, 2025
2. Summary of Significant Accounting Policies
The financial statements included herein have been prepared in accordance with U.S. generally accepted accounting principles (GAAP) for variable annuity separate accounts registered as unit investment trusts. The preparation of the financial statements in conformity with GAAP requires management to make estimates and assumptions regarding matters that affect the reported amount of assets and liabilities. Actual results could differ from those estimates.
Investments
Net purchase payments received by the Separate Account are invested in the portfolios of the Mutual Funds as selected by the contract owner. Investments are stated at the closing net asset values per share on December 31, 2025.
Realized capital gains and losses from sales of shares in the Separate Account are determined on the first-in, first-out basis. Investment transactions are accounted for on the trade date (date the order to buy or sell is executed) and dividend income is recorded on the ex-dividend date. Unrealized gains or losses from investments in the Mutual Funds are included in the Statements of Operations and Changes in Net Assets.
Dividend Income
Dividends received from the Mutual Fund investments are reinvested to purchase additional mutual fund shares.
Fair Value Measurements and Fair Value Hierarchy
The Accounting Standards Codification™ (ASC) 820 defines fair value, establishes a framework for measuring fair value, establishes a fair value hierarchy based on the nature of inputs used to measure fair value and enhances disclosure requirements for fair value measurements.
The Separate Account has categorized its financial instruments into a three level hierarchy which is based on the priority of the inputs to the valuation technique. The fair value hierarchy gives the highest priority to quoted prices in active markets for identical assets or liabilities (Level 1) and the lowest priority to unobservable inputs (Level 3). If the inputs used to measure fair value fall within different levels of the hierarchy, the category level is based on the lowest priority level input that is significant to the fair value measurement of the instrument.
Financial assets and liabilities recorded at fair value on the Statements of Assets and Liabilities are categorized as follows:
Level 1. Unadjusted quoted prices for identical assets or liabilities in an active market.
Level 2. Quoted prices in markets that are not active or inputs that are observable either directly or indirectly for substantially the full term of the asset or liability. Level 2 inputs include the following:
a) Quoted prices for similar assets or liabilities in active markets
b) Quoted prices for identical or similar assets or liabilities in non-active markets
c) Inputs other than quoted market prices that are observable
d) Inputs that are derived principally from or corroborated by observable market data through correlation or other means.
Level 3. Prices or valuation techniques that require inputs that are both unobservable and significant to the overall fair value measurement. They reflect management's own assumptions about the assumptions a market participant would use in pricing the asset or liability.
All investments in the Mutual Funds included in the Statements of Assets and Liabilities are stated at fair value and are based upon published closing NAV per share and therefore are considered Level 1.
There were no transfers between Level 1, Level 2 and Level 3 during the year ended December 31, 2025.
11
Transamerica Financial Life Insurance Company
Separate Account VA 6NY of TFLIC
Notes to Financial Statements
December 31, 2025
3. Investments
The aggregate cost of purchases and proceeds from sales of investments for the period ended December 31, 2025 were as follows:
Subaccount Purchases Sales
AB Large Cap Growth Class A Shares $ 41,459 $ 86,306
AB Relative Value Class A Shares 12,304 3,272
Alger Growth & Income Class I-2 Shares 52,291 6,550
BNY Mellon Small Cap Initial Shares 79 162
BNY Mellon VIF Appreciation Initial Shares 43,472 8,220
Invesco V.I. High Yield Series I Shares 760 276
Janus Henderson - Balanced Institutional Shares 9,439 2,678
Janus Henderson - Global Research Institutional Shares 16,674 48,295
MFS® Growth Initial Class 18,710 1,620
MFS® Investors Trust Initial Class 32,247 2,072
MFS® Research Initial Class 23,796 1,294
MS VIF Global Strategist Class I Shares 1,685 649
TA BlackRock Government Money Market Initial Class 2,155 1,017
TA WMC US Growth Initial Class 43,164 90,851
12
Transamerica Financial Life Insurance Company
Separate Account VA 6NY of TFLIC
Notes to Financial Statements
4. Change in Units
The change in units outstanding were as follows:
Year Ended December 31, 2025 Year Ended December 31, 2024
Subaccount Units Purchased Units Redeemed and Transferred to/from Net Increase (Decrease) Units Purchased Units Redeemed and Transferred to/from Net Increase (Decrease)
AB Large Cap Growth Class A Shares - (1,052) (1,052) - (18) (18)
AB Relative Value Class A Shares - (23) (23) - (21) (21)
Alger Growth & Income Class I-2 Shares - (22) (22) - (216) (216)
BNY Mellon Small Cap Initial Shares - - - - - -
BNY Mellon VIF Appreciation Initial Shares - (70) (70) - (204) (204)
Invesco V.I. High Yield Series I Shares - (84) (84) - (78) (78)
Janus Henderson - Balanced Institutional Shares - (5) (5) - (223) (223)
Janus Henderson - Global Research Institutional Shares - (1,030) (1,030) - (240) (240)
MFS® Growth Initial Class - (2) (2) - (78) (78)
MFS® Investors Trust Initial Class - (20) (20) - (19) (19)
MFS® Research Initial Class - - - - (124) (124)
MS VIF Global Strategist Class I Shares - - - - - -
TA BlackRock Government Money Market Initial Class 14 (253) (239) 125 (262) (137)
TA WMC US Growth Initial Class - (977) (977) - (100) (100)
Change in Unit Dollars
Year Ended December 31, 2025 Year Ended December 31, 2024
Subaccount Units Purchased in Dollars Units Redeemed and Transferred to/from in Dollars Dollar Net Increase (Decrease) Units Purchased in Dollars Units Redeemed and Transferred to/from in Dollars Dollar Net Increase (Decrease)
AB Large Cap Growth Class A Shares $ - $ (79,639) $ (79,639) $ - $ (1,219) $ (1,219)
AB Relative Value Class A Shares - (1,484) (1,484) - (1,140) (1,140)
Alger Growth & Income Class I-2 Shares - (1,541) (1,541) - (13,559) (13,559)
BNY Mellon Small Cap Initial Shares - - - - - -
BNY Mellon VIF Appreciation Initial Shares - (4,391) (4,391) - (11,722) (11,722)
Invesco V.I. High Yield Series I Shares - (132) (132) - (117) (117)
Janus Henderson - Balanced Institutional Shares - (300) (300) - (14,010) (14,010)
Janus Henderson - Global Research Institutional Shares - (45,742) (45,742) - (9,955) (9,955)
MFS® Growth Initial Class - (240) (240) - (6,108) (6,108)
MFS® Investors Trust Initial Class - (1,067) (1,067) - (799) (799)
MFS® Research Initial Class - (5) (5) - (6,751) (6,751)
MS VIF Global Strategist Class I Shares - - - - - -
TA BlackRock Government Money Market Initial Class 16 (298) (282) 143 (303) (160)
TA WMC US Growth Initial Class - (87,021) (87,021) - (8,639) (8,639)
13
Transamerica Financial Life Insurance Company
Separate Account VA 6NY of TFLIC
Notes to Financial Statements
December 31, 2025
5. Financial Highlights
At December 31 For the Year Ended December 31
Unit Fair Value Expense Total Return***
Corresponding to Investment Ratio** Corresponding to
Lowest to Highest Net Income Lowest to Lowest to Highest
Subaccount Units Expense Ratio Assets Ratio* Highest Expense Ratio
AB Large Cap Growth Class A Shares
12/31/2025 5,675 $90.00 to $90.00 $ 510,742 - % 1.35 % to 1.35 % 11.63 % to 11.63 %
12/31/2024 6,727 80.62 to 80.62 542,362 0.05 1.35 to 1.35 23.58 to 23.58
12/31/2023 6,745 65.24 to 65.24 440,036 - 1.35 to 1.35 33.33 to 33.33
12/31/2022 8,648 48.93 to 48.93 423,156 - 1.35 to 1.35 (29.46) to (29.46)
12/31/2021 8,674 69.37 to 69.37 601,649 - 1.35 to 1.35 27.26 to 27.26
AB Relative Value Class A Shares
12/31/2025 2,148 65.22 to 65.22 140,077 1.11 1.35 to 1.35 9.00 to 9.00
12/31/2024 2,171 59.84 to 59.84 129,932 1.46 1.35 to 1.35 11.51 to 11.51
12/31/2023 2,192 53.66 to 53.66 117,612 1.48 1.35 to 1.35 10.54 to 10.54
12/31/2022 2,303 48.54 to 48.54 111,816 1.42 1.35 to 1.35 (5.47) to (5.47)
12/31/2021 2,329 51.35 to 51.35 119,589 0.81 1.35 to 1.35 26.45 to 26.45
Alger Growth & Income Class I-2 Shares
12/31/2025 5,110 81.85 to 81.85 418,288 1.57 1.35 to 1.35 19.21 to 19.21
12/31/2024 5,132 68.66 to 68.66 352,381 0.59 1.35 to 1.35 21.02 to 21.02
12/31/2023 5,348 56.73 to 56.73 303,406 1.40 1.35 to 1.35 22.28 to 22.28
12/31/2022 5,422 46.39 to 46.39 251,556 1.42 1.35 to 1.35 (16.11) to (16.11)
12/31/2021 5,650 55.30 to 55.30 312,452 1.15 1.35 to 1.35 29.91 to 29.91
BNY Mellon Small Cap Initial Shares
12/31/2025 382 33.93 to 33.93 12,970 0.65 1.35 to 1.35 9.51 to 9.51
12/31/2024 382 30.98 to 30.98 11,844 0.68 1.35 to 1.35 3.22 to 3.22
12/31/2023 382 30.02 to 30.02 11,475 0.33 1.35 to 1.35 7.83 to 7.83
12/31/2022 382 27.84 to 27.84 10,642 - 1.35 to 1.35 (17.73) to (17.73)
12/31/2021 382 33.84 to 33.84 12,935 0.11 1.35 to 1.35 14.91 to 14.91
BNY Mellon VIF Appreciation Initial Shares
12/31/2025 4,700 63.41 to 63.41 298,007 0.37 1.35 to 1.35 8.61 to 8.61
12/31/2024 4,770 58.38 to 58.38 278,489 0.42 1.35 to 1.35 11.30 to 11.30
12/31/2023 4,974 52.46 to 52.46 260,927 0.72 1.35 to 1.35 19.36 to 19.36
12/31/2022 5,041 43.95 to 43.95 221,548 0.67 1.35 to 1.35 (19.15) to (19.15)
12/31/2021 5,281 54.36 to 54.36 287,071 0.44 1.35 to 1.35 25.44 to 25.44
Invesco V.I. High Yield Series I Shares
12/31/2025 6,982 1.57 to 1.57 10,937 7.07 1.35 to 1.35 5.31 to 5.31
12/31/2024 7,066 1.49 to 1.49 10,512 5.75 1.35 to 1.35 6.29 to 6.29
12/31/2023 7,144 1.40 to 1.40 9,999 5.32 1.35 to 1.35 8.71 to 8.71
12/31/2022 7,144 1.29 to 1.29 9,197 4.68 1.35 to 1.35 (10.76) to (10.76)
12/31/2021 7,144 1.44 to 1.44 10,306 4.77 1.35 to 1.35 2.99 to 2.99
Janus Henderson - Balanced Institutional Shares
12/31/2025 2,504 76.04 to 76.04 190,408 2.05 1.35 to 1.35 13.57 to 13.57
12/31/2024 2,509 66.95 to 66.95 167,949 2.02 1.35 to 1.35 13.88 to 13.88
12/31/2023 2,732 58.79 to 58.79 160,594 1.60 1.35 to 1.35 13.88 to 13.88
12/31/2022 4,800 51.62 to 51.62 247,799 1.40 1.35 to 1.35 (17.51) to (17.51)
12/31/2021 5,027 62.59 to 62.59 314,588 1.12 1.35 to 1.35 15.63 to 15.63
Janus Henderson - Global Research Institutional Shares
12/31/2025 3,712 52.29 to 52.29 194,116 0.70 1.35 to 1.35 19.31 to 19.31
12/31/2024 4,742 43.83 to 43.83 207,857 0.75 1.35 to 1.35 21.93 to 21.93
12/31/2023 4,982 35.95 to 35.95 179,103 0.93 1.35 to 1.35 25.09 to 25.09
12/31/2022 5,125 28.74 to 28.74 147,260 1.63 1.35 to 1.35 (20.48) to (20.48)
12/31/2021 5,406 36.14 to 36.14 195,354 0.52 1.35 to 1.35 16.52 to 16.52
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Transamerica Financial Life Insurance Company
Separate Account VA 6NY of TFLIC
Notes to Financial Statements
December 31, 2025
5. Financial Highlights (continued)
At December 31 For the Year Ended December 31
Unit Fair Value Expense Total Return***
Corresponding to Investment Ratio** Corresponding to
Lowest to Highest Net Income Lowest to Lowest to Highest
Subaccount Units Expense Ratio Assets Ratio* Highest Expense Ratio
MFS® Growth Initial Class
12/31/2025 1,141 $96.05 to $96.05 $ 109,559 - % 1.35 % to 1.35 % 10.70 % to 10.70 %
12/31/2024 1,143 86.76 to 86.76 99,207 - 1.35 to 1.35 29.71 to 29.71
12/31/2023 1,221 66.89 to 66.89 81,695 - 1.35 to 1.35 34.06 to 34.06
12/31/2022 1,224 49.90 to 49.90 61,078 - 1.35 to 1.35 (32.54) to (32.54)
12/31/2021 1,303 73.97 to 73.97 96,390 - 1.35 to 1.35 21.89 to 21.89
MFS® Investors Trust Initial Class
12/31/2025 1,418 56.63 to 56.63 80,297 1.62 1.35 to 1.35 12.06 to 12.06
12/31/2024 1,438 50.54 to 50.54 72,702 0.70 1.35 to 1.35 17.92 to 17.92
12/31/2023 1,457 42.86 to 42.86 62,434 0.72 1.35 to 1.35 17.40 to 17.40
12/31/2022 1,521 36.51 to 36.51 55,516 0.68 1.35 to 1.35 (17.60) to (17.60)
12/31/2021 1,546 44.30 to 44.30 68,514 0.61 1.35 to 1.35 25.12 to 25.12
MFS® Research Initial Class
12/31/2025 1,595 64.69 to 64.69 103,190 0.97 1.35 to 1.35 11.35 to 11.35
12/31/2024 1,595 58.10 to 58.10 92,678 0.59 1.35 to 1.35 17.28 to 17.28
12/31/2023 1,719 49.54 to 49.54 85,157 0.52 1.35 to 1.35 20.79 to 20.79
12/31/2022 1,719 41.01 to 41.01 70,509 0.49 1.35 to 1.35 (18.31) to (18.31)
12/31/2021 1,845 50.20 to 50.20 92,625 0.54 1.35 to 1.35 23.14 to 23.14
MS VIF Global Strategist Class I Shares
12/31/2025 2,174 23.90 to 23.90 51,973 - 1.35 to 1.35 15.84 to 15.84
12/31/2024 2,174 20.63 to 20.63 44,865 - 1.35 to 1.35 6.03 to 6.03
12/31/2023 2,174 19.46 to 19.46 42,314 1.67 1.35 to 1.35 12.55 to 12.55
12/31/2022 2,174 17.29 to 17.29 37,595 - 1.35 to 1.35 (18.05) to (18.05)
12/31/2021 2,174 21.10 to 21.10 45,873 1.83 1.35 to 1.35 6.92 to 6.92
TA BlackRock Government Money Market Initial Class
12/31/2025 45,211 1.20 to 1.20 54,239 3.99 1.35 to 1.35 2.68 to 2.68
12/31/2024 45,450 1.17 to 1.17 53,101 4.92 1.35 to 1.35 3.63 to 3.63
12/31/2023 45,587 1.13 to 1.13 51,395 4.91 1.35 to 1.35 3.47 to 3.47
12/31/2022 23,205 1.09 to 1.09 25,284 1.45 1.35 to 1.35 0.06 to 0.06
12/31/2021 21,001 1.09 to 1.09 22,870 0.00 1.35 to 1.35 (1.32) to (1.32)
TA WMC US Growth Initial Class
12/31/2025 2,585 112.99 to 112.99 292,112 - 1.35 to 1.35 16.19 to 16.19
12/31/2024 3,562 97.24 to 97.24 346,414 0.01 1.35 to 1.35 27.27 to 27.27
12/31/2023 3,662 76.41 to 76.41 279,777 0.03 1.35 to 1.35 40.20 to 40.20
12/31/2022 5,733 54.50 to 54.50 312,441 - 1.35 to 1.35 (32.26) to (32.26)
12/31/2021 5,830 80.46 to 80.46 469,076 0.08 1.35 to 1.35 19.06 to 19.06
15
Transamerica Financial Life Insurance Company
Separate Account VA 6NY of TFLIC
Notes to Financial Statements
December 31, 2025
5. Financial Highlights (continued)
(1) See Footnote 1
* These amounts represent the dividends, excluding distributions of capital gains, received by the subaccount from the Mutual Fund, net of management fees assessed by the fund manager, divided by the average net assets. These ratios exclude those expenses, such as mortality and expense charges, that are assessed against contract owner accounts either through reductions in the unit values or the redemption of units. The recognition of investment income by the subaccount is affected by the timing of the declaration of dividends by the Mutual Fund in which the subaccounts invest.
** These amounts represent the annualized contract expenses of the subaccount, consisting primarily of mortality and expense charges, for each period indicated. These ratios include only those expenses that result in a direct reduction to unit values. Charges made directly to contract owner accounts through the redemption of units and expenses of the Mutual Fund have been excluded.
*** These amounts represent the total return for the periods indicated, including changes in the value of the Mutual Fund, and expenses assessed through the reduction of unit values. These ratios do not include any expenses assessed through the redemption of units. Investment options with a date notation indicate the effective date of that investment option in the variable account. The total return is calculated for each period indicated or from the effective date through the end of the reporting period. Total returns reflect a full twelve month period and total returns for subaccounts opened during the year have not been disclosed as they may not be indicative of a full year return. Expense ratios not in effect for the full twelve months are not reflected in the total return as they may not be indicative of a full year return.
16
Transamerica Financial Life Insurance Company
Separate Account VA 6NY of TFLIC
Notes to Financial Statements
December 31, 2025
6. Administrative and Mortality and Expense Risk Charges
TFLIC deducts a daily administrative charge equal to an annual rate of 0.15% of the daily net assets value of each subaccount for administrative expenses. TFLIC also deducts an annual charge during the accumulation phase, not to exceed $30, proportionately from the subaccounts' unit values. An annual charge of 1.20% is deducted (based on the death benefit selected) from the unit values of the subaccounts of the Separate Account for TFLIC's assumption of certain mortality and expense risks incurred in connection with the contract. The charge is assessed daily based on the net asset value of the Mutual Fund. Charges for administrative and mortality and expense risk are an expense of the subaccount. Charges reflected above are those currently assessed and may be subject to change. Contract owners should see their actual policy and any related attachments to determine their specific charges.
7. Income Tax
Operations of the Separate Account form a part of TFLIC, which is taxed as a life insurance company under Subchapter L of the Internal Revenue Code of 1986, as amended (the Code). The operations of the Separate Account are accounted for separately from other operations of TFLIC for purposes of federal income taxation. The Separate Account is not separately taxable as a regulated investment company under Subchapter M of the Code and is not otherwise taxable as an entity separate from TFLIC. Under existing federal income tax laws, the income of the Separate Account is not taxable to TFLIC, as long as earnings are credited under the variable annuity contracts.
8. Subsequent Events
The Separate Account has evaluated the financial statements for subsequent events through the date which the financial statements were issued. During this period, there were no subsequent events requiring recognition in the financial statements.
9. Related Parties
Transamerica Capital, Inc. (TCI), a wholesaling broker-dealer, is an affiliated entity of TFLIC and an indirect wholly owned subsidiary of Aegon Ltd. TCI distributes TFLIC's products through broker-dealers and other financial intermediaries.
The subaccounts invest in the mutual funds listed in Footnote 1. These investments include funds managed by Transamerica Asset Management, Inc. (TAM). Transamerica Fund Services, Inc. (TFS) serves as a transfer agent to TAM, and Aegon USA Asset Management Holding, LLC (AAM) serves as a sub-advisor for certain funds managed by TAM. TAM, TFS and AAM are affiliated entities of TFLIC and indirect wholly owned subsidiaries of Aegon Ltd. Funds managed by TAM are identified by their fund name, which includes reference to Aegon, Transamerica or both. The Separate Account pays management fees to the related funds as detailed in the fund prospectus.
No charges other than those disclosed in Footnote 6 are deducted for the service rendered by related parties.
Contract owners may transfer funds between available subaccount options within the Separate Account. These transfers are performed at unit value at the time of the transfer.
17
Transamerica Financial Life Insurance Company
Separate Account VA 6NY of TFLIC
Notes to Financial Statements
December 31, 2025
10. Segment Reporting
Each fund of the Separate Account constitutes a single operating segment and therefore, a single reportable segment because the Chief Operating Decision Maker (CODM) manages the activities of the Separate Account using information of each fund. The Separate Account is engaged in a single line of business as a registered unit investment trust. The Separate Account is a funding vehicle for individual variable annuity contracts with the assets owned by TFLIC to support the liabilities of the applicable insurance contracts. The subaccounts have identified the President and Chief Operating Officer as the CODM as the Separate Account does not have employees and is not a separate legal entity.
The CODM uses increase (decrease) in net assets from operations as their performance measure in order to make operational decisions while monitoring the net assets of each of the funds within the Separate Account. The Accounting policies used to measure profit and loss of the segments are the same as those described in the Summary of Significant Accounting Policies (see note 2). The measure of segment assets is reported on the balance sheet as total consolidated assets. Refer to the Statements of Operations and Changes in Net Assets for each fund's operating segment and related footnotes for significant expenses principle and the existing segment requirements as of December 31, 2025 and for the year ended December 31, 2025 and December 31, 2024.
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