Notice Document by Insurance Company (Form N-VP)

UPDATED INFORMATION ABOUT YOUR POLICY

KEY INFORMATION

FEES AND EXPENSES

Charges for Early Withdrawals

There is no charge for surrendering the policy.

Transaction Charges

You may be charged for certain transactions.

•A premium charge equal to 2.5% of each premium payment made to your policy.

•A transfer charge of $25 may apply for each transfer in excess of 12 transfers in a Policy Year.

Ongoing Fees and Expenses (annual charges)

In addition to transaction charges, an investment in the policy is subject to certain ongoing fees and expenses, including fees and expenses covering the cost of insurance under the policy and the cost of optional benefits available under the policy. These fees and expenses are based on characteristics of the insured such as age, risk classification, the policy's duration, the net amount at risk, and if permitted by state law, sex. You should view the policy specifications page of your policy for rates applicable to you.

You will also bear expenses associated with the portfolio companies made available under the policy. For the fiscal year ended December 31, 2025, the minimum and maximum total operating expenses were as follows:

Annual Fee

Minimum

Maximum

Portfolio Fees & Expenses

0.13%

3.38%

RISKS

Risk of Loss

You may lose money by investing in the policy.

Not a Short-Term Investment

The policy is not suitable as a short-term savings vehicle and, therefore, may not be the right kind of policy if you plan to withdraw money or surrender the policy for short term needs.

RISKS

Risks Associated with Investment Options

Investment in the policy is subject to the risk of poor investment performance of the Sub-accounts and can vary depending on the performance of the Sub-accounts available under the policy. Each Sub-account and the Fixed Account has its own unique risk. You should review these investment options before making an investment decision.

Insurance Company Risks

Investment in the policy is subject to the risks related to Symetra Life Insurance Company. Any obligations, including obligations related to the Symetra Fixed Account, guarantees and benefits provided for under the policy are backed by our financial strength and claims paying ability. 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.

Policy Lapse

Your policy will lapse only if your total loan and loan interest due would exceed the Policy Value. We will allow you a grace period to pay the amount of the loans and loan interest due. This grace period will expire 62 calendar days from the date written notice is sent to you that states your total loans and loan interest exceed the Policy Value.

If we do not receive this amount before the end of the grace period, all coverage under the policy will terminate and you will receive no benefits.

We will reinstate a lapsed policy only if our requirements for reinstatement are satisfied, including as to continued insurability of the Insured, and you will incur costs in connection with any reinstatement.

RESTRICTIONS

Investments

You may allocate amounts under the policy to the available Sub-accounts and to the Fixed Account. We reserve the right to add, combine, restrict, or remove any Sub-account as an investment option under your policy. We further reserve the right to restrict or remove the Symetra Fixed Account as an investment option available under the policy.

TAXES

Tax Implications

You should consult a competent tax professional to determine the tax implications of an investment in the policy.

Withdrawals will be subject to ordinary income tax and may be subject to tax penalties.

Lapse of a policy on which there is an outstanding loan may have adverse tax consequences.

CONFLICTS OF INTEREST

Investment Professional Compensation

Investment professionals who solicited sales of the policies 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 premiums invested in the policy. The policy has a Distribution Charge that primarily compensates the broker-dealer firm that sold you this policy. Some broker-dealers work with wholesaling firms that also may be compensated from the Distribution Charge.

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

Exchanges

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

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

APPENDIX: PORTFOLIOS AVAILABLE UNDER THE POLICY

TYPE

FUND 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

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

CVT Nasdaq - 100 Index Portfolio - Class I

Calvert Research and Management

0.49%**

20.39%

14.73%

19.09%

U.S. Equity

CVT Russell 2000 Small Cap Index Portfolio - Class I

Calvert Research and Management

0.40%**

12.45%

5.83%

9.32%

U.S. Equity

Fidelity® VIP ContrafundSM Portfolio - Initial Class

Fidelity Management & Research Company LLC (*)

0.54%

21.52%

15.37%

15.78%

Money Market

Fidelity® VIP Government Money Market Portfolio - Initial Class

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

0.25%

4.13%

3.10%

2.03%

Taxable Bond

Fidelity® VIP Investment Grade Bond Portfolio - Initial Class

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

0.37%

7.22%

0.06%

2.71%

U.S. Equity

Fidelity® VIP Mid Cap Portfolio - Initial Class

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

0.55%

11.75%

10.10%

10.59%

Asset Allocation

Franklin Allocation VIP Fund - Class 1

Franklin Advisers, Inc. Sub-advised by Brandywine Global Investment Management, LLC, ClearBridge Investments, LLC, Franklin Templeton Institutional, LLC, and Templeton Global Advisors Limited

0.57%**

12.98%

5.97%

7.58%

U.S. Equity

Franklin DynaTech VIP Fund - Class 2

Franklin Advisers, Inc.

0.88%

18.13%

9.09%

14.08%

Asset Allocation

Franklin Income VIP Fund - Class 1

Franklin Advisers, Inc.

0.47%

12.87%

7.92%

7.57%

U.S. Equity

Franklin Small Cap Value VIP Fund - Class 1

Franklin Mutual Advisers, LLC

0.66%**

7.90%

9.13%

10.09%

International Equity

Invesco V.I. EQV International Equity Fund - Series I

Invesco Advisers, Inc.

0.90%

16.50%

3.68%

6.22%

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 - Standard Class II

American Century Investment Management, Inc.

0.47%**

6.60%

0.87%

2.87%

International Equity

LVIP American Century International Fund - Standard Class II

American Century Investment Management, Inc.

0.95%**

15.98%

1.85%

6.42%

Asset Allocation

Morningstar Aggressive Growth ETF Asset Allocation Portfolio - Class I

ALPS Advisors, Inc. Sub-Advised by Morningstar Investment Management LLC

0.60%

20.33%

10.82%

10.63%

Asset Allocation

Morningstar Growth ETF Asset Allocation Portfolio - Class I

ALPS Advisors, Inc. Sub-Advised by Morningstar Investment Management LLC

0.57%

18.15%

9.08%

9.32%

U.S. Equity

Neuberger Berman AMT Mid Cap Growth Portfolio - Class I

Neuberger Berman Investment Advisers LLC

0.86%**

5.45%

4.47%

10.96%

U.S. Equity

Neuberger Berman AMT Mid Cap Intrinsic Value Portfolio - Class I

Neuberger Berman Investment Advisers LLC

0.85%**

11.56%

10.06%

7.75%

Asset Allocation

PIMCO All Asset Portfolio - Administrative Class

Pacific Investment Management Company LLC Sub-advised by Research Affiliates LLC

2.125%**

14.20%

5.60%

6.77%

TYPE

FUND 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

Commodities

PIMCO CommodityRealReturn® Strategy Portfolio - Administrative Class

Pacific Investment Management Company LLC

3.19%**

18.79%

10.55%

6.54%

Taxable Bond

PIMCO Total Return Portfolio - Administrative Class

Pacific Investment Management Company LLC

0.73%

8.89%

0.02%

2.36%

International Equity

Templeton Emerging Markets VIP Fund - Class 1

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

1.12%

46.64%

5.73%

10.68%

Taxable Bond

Templeton Global Bond VIP Fund - Class 1

Franklin Advisers, Inc.

0.50%**

16.09%

(0.69)%

0.11%

International Equity

Templeton Growth VIP Fund - Class 1

Templeton Global Advisors Limited

0.87%**

24.16%

8.23%

7.31%

U.S. Equity

Vanguard VIF - Equity Income Portfolio

Wellington Management Company, LLP and the Vanguard Group, Inc.

0.29%

16.80%

12.59%

11.52%

U.S. Equity

Vanguard VIF - Equity Index Portfolio

The Vanguard Group, Inc.

0.14%

17.70%

14.27%

14.66%

Taxable Bond

Vanguard VIF - High Yield Bond Portfolio

Wellington Management Company, LLP

0.24%

9.18%

4.05%

5.62%

International Equity

Vanguard VIF - International Portfolio

Bailie Gifford Overseas Ltd. and Schroder Investment Management North America Inc.

0.32%

19.97%

0.62%

10.48%

U.S. Equity

Vanguard VIF - Mid-Cap Index Portfolio

The Vanguard Group, Inc.

0.17%

11.54%

8.46%

10.77%

Sector Equity

Vanguard VIF - Real Estate Index Portfolio

The Vanguard Group, Inc.

0.26%

3.11%

4.51%

5.08%

U.S. Equity

Vanguard VIF - Small Company Growth Portfolio (1)

ArrowMark Colorado Holdings, LLC and The Vanguard Group, Inc.

0.29%

6.11%

3.81%

9.61%

Taxable Bond

Vanguard VIF - Total Bond Market Index Portfolio

The Vanguard Group, Inc.

0.14%

6.94%

(0.51)%

1.90%

U.S. Equity

Vanguard VIF - Total Stock Market Index Portfolio

The Vanguard Group, Inc.

0.13%

16.93%

12.98%

14.10%

Taxable Bond

Victory Pioneer Strategic Income VCT Portfolio - Class I Shares

Victory Capital Management Inc.

1.44%**

11.11%

2.25%

3.90%