Notice Document by Insurance Company (Form N-VP)

NOTICE DOCUMENT

NSCORE XTRA VARIABLE ANNUITY

Issued by

NATIONAL SECURITY LIFE AND ANNUITY COMPANY
through
NATIONAL SECURITY VARIABLE ACCOUNT N

May 1, 2026

This Notice Document summarizes certain key features of NScore Xtra, an individual, flexible premium variable annuity contract. The contract is issued by National Security Life and Annuity Company. The Notice Document also provides a summary of contract features that have changed since April 30, 2025.

You can find other information about the NScore Xtra contract online at nslac.com/variableproducts. You can also obtain this information at no cost by calling 877.446.6020 or by sending an email request to [email protected].

Additional information about certain investment products, including variable annuities, has been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov.

This contract includes an extra credit to your contract each time you make a purchase payment. The expenses for this contract may be higher than expenses for a contract without an extra credit feature and the amount of the extra credit may be more than offset by the additional fees and charges associated with this contract. The extra credit may be recaptured upon death or certain withdrawals.

TABLE OF CONTENTS 

Glossary	2
Summary of Contract Features That Have Changed	3
Important Information You Should Consider About the Contract	4
Appendix A - Funds Available Under the Contract	7

Glossary

Contract Value - Contract Value is determined by multiplying the total number of units (for each subaccount) credited to the contract by the unit value (for such subaccount) for the current valuation period and adding to that any amount in the Fixed Accumulation Account or a DCA account.
DCA - Dollar cost averaging.
Enhanced DCA Account - An account available for purchase payments, subject to certain limitations, that provides a fixed interest rate that is higher than the rate being credited to the Fidelity® VIP Government Money Market Portfolio.
Fixed Accumulation Account - A subset of our general account that guarantees a fixed return for a specified period of time and guarantees the principal against loss.

Fund - A mutual fund in which subaccount assets may be invested. See Appendix A.

National Security - National Security Life and Annuity Company, the depositor of the contract.
Subaccount - A subdivision of VAN. The assets of each subaccount are invested in a corresponding available Fund.
Surrender - To redeem the contract before annuity payments begin and receive its value minus any applicable surrender charge or other charges.
Valuation Period - The period of time from one determination of variable subaccount unit and annuity unit values to their next determination. A valuation period usually ends at 4:00 p.m. Eastern time on each day the New York Stock Exchange is open for unrestricted trading. The valuation period may end sooner to correspond to earlier closing of the New York Stock Exchange. Accumulation unit and annuity unit values for each annuity period are determined at the end of that valuation period.

VAN - National Security Variable Account N, a separate account of National Security consisting of assets segregated from National Security's general assets for the purpose of funding annuity contracts whose values vary with the investment results of the separate account's underlying Funds.
We, Us, Our - We, us and our refer to National Security.
You - You means the owner(s) of the contract or the last surviving owner's estate if all owners are deceased.

Summary of Contract Features That Have Changed

The information in this Notice Document is a summary of certain contract features that have changed since April 30, 2025. This may not reflect all of the changes that have occurred since you entered into your contract.

Fee Changes

The following shows the minimum and maximum total operating expenses deducted from the assets of the Funds

(before any fee waiver or expense reimbursement): 

Annual Fee	Minimum	Maximum
Investment options (Fund fees and expenses)	0.35%	3.38%

Fund Changes

On October 10, 2025, the following fund substitutions took place.

•Lazard Retirement US Small Cap Equity Select Portfolio, AB VPS Small Cap Growth Portfolio, Royce Small-Cap Portfolio, and Royce Micro-Cap Portfolio were replaced by AVIP AB Small Cap Portfolio.

•Janus Henderson Flexible Bond Portfolio was replaced by AVIP Bond Portfolio.

•Neuberger Berman AMT Mid Cap Intrinsic Value Portfolio was replaced with AVIP AB Mid Cap Core Portfolio.

•Goldman Sachs U.S. Equity Insights Fund was replaced with AVIP S&P 500® Index Portfolio.

•Fidelity® VIP Growth Portfolio was replaced with AVIP Fidelity Institutional AM® Equity Growth Portfolio.

•Franklin VolSmart Allocation VIP Fund, Goldman Sachs Trend Driven Allocation Fund, and Lazard Retirement Global Dynamic Multi-Asset Portfolio were replaced with AVIP Constellation Dynamic Risk Balanced Portfolio.

On October 10, 2025, AVIP AB Relative Value Portfolio was added as an investment option.

On October 17, 2025, the following fund substitutions took place.

•Fidelity® VIP Target Volatility Portfolio and AB VPS Global Risk Allocation-Moderate Portfolio were replaced with AVIP Constellation Managed Risk Moderate Growth Portfolio.

•AB VPS Relative Value Portfolio was replaced with AVIP AB Relative Value Portfolio.

Effective December 5, 2025, the following fund changes took place.

•AVIP Federated Core Plus Bond Portfolio was renamed to AVIP Core Plus Bond Portfolio. Federated Investment Management Company was removed as subadviser.

•AVIP Federated High Income Bond Portfolio was renamed to AVIP High Income Bond Portfolio. Federated Investment Management Company was removed as subadviser.

•Macquarie VIP Asset Strategy Series was renamed to Nomura VIP Asset Strategy Series. Securian Asset Management, Inc. was removed as subadviser and replaced with Macquarie Investment Management Austria Kapitalanlage AG.

•Macquarie VIP Natural Resources Series was renamed to Nomura VIP Natural Resources Series. Securian Asset Management, Inc. was removed as subadviser and replaced with Van Eck Associates Corporation and Macquarie Investment Management Global Limited.

•Macquarie VIP Science and Technology Series was renamed to Nomura VIP Science and Technology Series. Securian Asset Management, Inc. was removed as subadviser and replaced with Macquarie Investment Management Global Limited.

Important Information You Should Consider About the Contract 

	FEES AND EXPENSES
Are There Charges or Adjustments for Early Withdrawals?	Yes. If you withdraw money from your contract within 8 years following your last purchase payment, you will be assessed a surrender charge. The maximum surrender charge is 9% of total purchase payment, minus all previous withdrawals, during the first year, declining down to 0% over the 8 years. For example, if you make an early withdrawal within the first year, you could pay a withdrawal charge of up to $9,000 on a $100,000 investment. During each contract year, you may withdraw not more than 10% of the Contract Value (as of the day of the first withdrawal made during that contract year) without a surrender charge. Extra credits may be recaptured upon certain withdrawals.
Are There Transaction Charges?	Yes. In addition to surrender charges, you may also be charged for other transactions, such as when you transfer Contract Value between investment options more than 12 times per contract year, or for special requests (such as wire transfers or overnight mail).
Are There Ongoing Fees and Expenses?	Yes. 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 specifications page for information about the specific fees you will pay each year based on the options you have elected.
	ANNUAL FEE	MINIMUM	MAXIMUM
	1. Base Contract	1.40%1	1.40%1
	2. Investment options (Fund fees and expenses)	0.35%2	3.19%2
	3. Optional benefits available for an additional charge (for a single optional benefit, if elected)	0.15%3	1.35%3
	Because your contract is customizable, the choices you make affect 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 ESTIMATE: $1,547	HIGHEST ANNUAL COST ESTIMATE: $6,070
	Assumes: ●Investment of $100,000 ●5% annual appreciation ●Least expensive combination of contract classes and Fund fees and expenses ●No optional benefits ●No sales charges ●No additional purchase payments, transfers or withdrawals	Assumes: ●Investment of $100,000 ●5% annual appreciation ●Most expensive combination of contract classes, optional benefits, and Fund fees and expenses ●No sales charges ●No additional purchase payments, transfers or withdrawals

 

RISKS
Is There a Risk of Loss from Poor Performance?	Yes. You can lose money by investing in this 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 apply for 8 years following your last purchase payment. They will reduce the value of your contract if you withdraw money during that time. The benefits of tax deferral and living benefit protections also mean the contract is more beneficial to investors with a long time horizon.
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 you choose. Each investment option has its own unique risks. You should review the prospectuses for the available Funds before making an investment decision.
What Are the Risks Related to the Insurance Company?	Any obligations, guarantees, and benefits of the contract are subject to the claims-paying ability of National Security. More information about National Security, including our financial strength ratings, is available upon request by calling us at 877.446.6020.
RESTRICTIONS
Are There Restrictions on the Investment Options?	Yes. We reserve the right to charge $10 for each transfer when you transfer money between subaccounts in excess of 12 times in a contract year. We reserve the right to limit transfers in circumstances of frequent or large transfers. We reserve the right to remove, close or substitute Funds as investment options that are available under the contract.
Are There any Restrictions on Contract Benefits?	Yes. Certain optional benefits limit or restrict the investment options that you may select under the contract. We may change the investment restrictions in the future, including limiting the investment options available with the optional benefit. Certain optional benefits could limit subsequent purchase payments. Certain benefits may limit withdrawals or other rights under the contract. Under certain benefits, withdrawals may reduce the value of an optional benefit by an amount greater than the value withdrawn, which could significantly reduce the value of or even terminate the benefit.
TAXES
What Are the Contract's Tax Implications?	Consult with a tax professional to determine the tax implications of an investment in and purchase payments received under this contract. If you purchase the contract through a tax-qualified plan or individual retirement account (IRA), you do not get any additional tax deferral. Earnings on your contract are taxed at ordinary income tax rates when you withdraw them, and you may have to pay a penalty if you take a withdrawal before age 59 ½.
CONFLICTS OF INTEREST

How Are Investment Professionals Compensated?

Although the contracts are no longer offered for new sales, firms and their registered representatives that sold the contracts may still be paid for those sales. Your investment professional may receive compensation for having sold this contract to you in the form of commissions, service fees, additional cash benefits (e.g. bonuses), and non-cash compensation. Accordingly, investment professionals may have had a financial incentive to offer or recommend this contract over another investment.

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 own. You should only consider exchanging your contract if you determine, after comparing the features, fees, and risks of both contracts, that it is in your best interest to purchase the new contract rather than continue to own your existing contract.

3 The minimum fee reflects the current charge for the least expensive optional benefit, the GEB, calculated as an annualized percentage of the Contract Value on a contract anniversary. The maximum fee reflects the current charge for the most expensive optional benefit, the Joint GLWB Plus, calculated as an annualized percentage of the amount that is guaranteed under the optional benefit.

Appendix A - Funds Available Under the Contract

Variable Options. The following is a list of Funds available under the contract, which is subject to change, as discussed in the prospectus. Depending on the optional benefits you choose, you may not be able to invest in certain Funds. You can find the prospectuses and other information about the Funds online at nslac.com/variableproducts. You can also request this information at no cost by calling 877.446.6020 or by sending an email request to [email protected].

The current expenses and performance information below reflects fees and expenses of the Funds, but does not reflect the other fees and expenses that your contract may charge. Expenses would be higher and performance would be lower if these charges were included. Each Fund's past performance is not necessarily an indication of future performance. 

Type/Investment Objective	Fund and Adviser/Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/2025)
			1 year	5 year	10 year
Equity	Allspring VT Opportunity Fund (Class 2)¶ Adviser: Allspring Funds Management, LLC Subadviser: Allspring Global Investments, LLC	1.00%*	6.71%	8.94%	11.85%
Equity	AVIP AB Mid Cap Core Portfolio (Class I)(3) Adviser: Constellation Investments, Inc. Subadviser: AllianceBernstein L.P.	0.92%	6.42%	4.97%	9.99%
Equity	AVIP AB Relative Value Portfolio (Class I)(8) Adviser: Constellation Investments, Inc. Subadviser: AllianceBernstein L.P.	0.74%	10.11%	N/A	N/A
Equity	AVIP AB Small Cap Portfolio (Class I)(1) Adviser: Constellation Investments, Inc. Subadviser: AllianceBernstein L.P.	0.86%	4.89%	1.53%	8.67%
Allocation	AVIP Balanced Model Portfolio (Class I) Adviser: Constellation Investments, Inc.	0.98%	13.80%	5.87%	N/A
Equity	AVIP BlackRock Advantage International Equity Portfolio (Class I) Adviser: Constellation Investments, Inc. Subadviser: BlackRock Investment Management, LLC	0.88%	33.04%	10.56%	8.33%
Equity	AVIP BlackRock Advantage Large Cap Core Portfolio (Class I) Adviser: Constellation Investments, Inc. Subadviser: BlackRock Investment Management, LLC	0.70%	20.20%	14.57%	13.59%
Equity	AVIP BlackRock Advantage Large Cap Growth Portfolio (Class I) Adviser: Constellation Investments, Inc. Subadviser: BlackRock Investment Management, LLC	0.71%	21.51%	13.88%	15.52%
Equity	AVIP BlackRock Advantage Large Cap Value Portfolio (Class I) Adviser: Constellation Investments, Inc. Subadviser: BlackRock Investment Management, LLC	0.75%	18.44%	12.15%	9.82%
Equity	AVIP BlackRock Advantage Small Cap Growth Portfolio (Class I) Adviser: Constellation Investments, Inc. Subadviser: BlackRock Investment Management, LLC	0.92%	14.14%	3.08%	9.71%

Type/Investment Objective	Fund and Adviser/Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/2025)
			1 year	5 year	10 year
Equity	MFS® Massachusetts Investors Growth Stock Portfolio (Service Class) Adviser: Massachusetts Financial Services Company	0.97%*	9.61%	9.74%	13.98%
Equity	MFS® Mid Cap Growth Series (Service Class) Adviser: Massachusetts Financial Services Company	1.06%*	3.40%	3.03%	11.32%
Equity	MFS® New Discovery Series (Service Class) Adviser: Massachusetts Financial Services Company	1.12%*	12.56%	-0.54%	10.46%
Allocation	MFS® Total Return Series (Service Class) Adviser: Massachusetts Financial Services Company	0.86%*	10.91%	6.16%	7.36%
Equity	Morgan Stanley VIF Growth Portfolio (Class II) Adviser: Morgan Stanley Investment Management, Inc.	0.82%*	35.38%	3.15%	17.46%
Real Assets	PIMCO CommodityRealReturn® Strategy Portfolio (Administrative Class) Adviser: Pacific Investment Management Company LLC	3.19%*	18.79%	10.55%	6.54%
Fixed Income	PIMCO Global Bond Opportunities Portfolio (Unhedged) (Administrative Class) Adviser: Pacific Investment Management Company LLC	1.15%	12.75%	0.15%	2.46%
Fixed Income	PIMCO Low Duration Portfolio (Administrative Class) Adviser: Pacific Investment Management Company LLC	0.66%	5.52%	1.57%	1.79%
Fixed Income	PIMCO Real Return Portfolio (Administrative Class) Adviser: Pacific Investment Management Company LLC	1.39%	7.85%	1.21%	3.21%
Fixed Income	PIMCO Short-Term Portfolio (Administrative Class) Adviser: Pacific Investment Management Company LLC	0.65%	4.67%	3.25%	2.76%

 

*	Annual expenses reflect temporary fee reductions.
^	Available only in contracts with value allocated to this Fund as of May 1, 2023.
†	Class 4 Shares for contracts applied for on or after May 1, 2008. Class 2 Shares for contracts applied for before May 1, 2008
‡	Service Shares for contracts applied for on or after May 1, 2008. Institutional Shares for contracts applied for before May 1, 2008.
¶	Available before May 1, 2007.
(1)	On October 10, 2025, Lazard Retirement US Small Cap Equity Select Portfolio, AB VPS Small Cap Growth Portfolio, Royce Small-Cap Portfolio, and Royce Micro-Cap Portfolio were replaced by AVIP AB Small Cap Portfolio.
(2)	On October 10, 2025, Janus Henderson Flexible Bond Portfolio was replaced by AVIP Bond Portfolio.
(3)	On October 10, 2025, Neuberger Berman AMT Mid Cap Intrinsic Value Portfolio was replaced with AVIP AB Mid Cap Core Portfolio.
(4)	On October 10, 2025, Goldman Sachs U.S. Equity Insights Fund was replaced with AVIP S&P 500® Index Portfolio.
(5)	On October 10, 2025, Fidelity® VIP Growth Portfolio was replaced with AVIP Fidelity Institutional AM® Equity Growth Portfolio.

(6)	On October 10, 2025, Franklin VolSmart Allocation VIP Fund, Goldman Sachs Trend Driven Allocation Fund, and Lazard Retirement Global Dynamic Multi-Asset Portfolio were replaced with AVIP Constellation Dynamic Risk Balanced Portfolio.
(7)	On October 17, 2025, Fidelity® VIP Target Volatility Portfolio and AB VPS Global Risk Allocation-Moderate Portfolio were replaced with AVIP Constellation Managed Risk Moderate Growth Portfolio.
(8)	On October 17, 2025, AB VPS Relative Value Portfolio was replaced with AVIP AB Relative Value Portfolio.
(9)	On December 5, 2025, AVIP Federated Core Plus Bond Portfolio was renamed to AVIP Core Plus Bond Portfolio. Federated Investment Management Company was removed as subadviser.
(10)	On December 5, 2025, AVIP Federated High Income Bond Portfolio was renamed to AVIP High Income Bond Portfolio. Federated Investment Management Company was removed as subadviser.
(11)	On December 5, 2025, Macquarie VIP Asset Strategy Series was renamed to Nomura VIP Asset Strategy Series. Securian Asset Management, Inc. was removed as subadviser and replaced with Macquarie Investment Management Austria Kapitalanlage AG.
(12)	On December 5, 2025, Macquarie VIP Natural Resources Series was renamed to Nomura VIP Natural Resources Series. Securian Asset Management, Inc. was removed as subadviser and replaced with Van Eck Associates Corporation and Macquarie Investment Management Global Limited.
(13)	On December 5, 2025, Macquarie VIP Science and Technology Series was renamed to Nomura VIP Science and Technology Series. Securian Asset Management, Inc. was removed as subadviser and replaced with Macquarie Investment Management Global Limited.
(14)	On April 24, 2026, ClearBridge Variable Large Cap Value Portfolio and ClearBridge Variable Dividend Strategy Portfolio were reorganized into LVIP ClearBridge Variable Large Cap Value Fund and LVIP ClearBridge Variable Dividend Strategy Portfolio, respectively. ClearBridge Investments, LLC was the subadviser and replaced with Lincoln Financial Investments Corporation as the adviser. Available only in contracts with value allocated to this Fund as of April 24, 2026.

Investment Options Available with Certain Optional Riders

GLWB Plus and GPP (2012) Applied for on or after October 1, 2012

Allocations: 

	Minimum	Maximum
Category 1 Investment Options	25%	100%
Any individual investment option included in Category 1	0%	50%
Category 2 Investment Options	0%	75%
Any individual investment option included in Category 2	0%	25%

Investment Options: 

CATEGORY 1	AVIP Constellation Dynamic Risk Balanced Portfolio AVIP Constellation Managed Risk Balanced Portfolio AVIP Constellation Managed Risk Moderate Growth Portfolio
CATEGORY 2	AVIP Balanced Model Portfolio AVIP BlackRock Balanced Allocation Portfolio AVIP Intech U.S. Low Volatility Portfolio AVIP Constellation Managed Risk Growth Portfolio	Janus Henderson Balanced Portfolio MFS® Total Return Series

GLWB Plus and GPP (2012) Applied for prior to October 1, 2012

Allocations: 

	Minimum	Maximum
Category 1 Investment Options	50%	100%
Any individual investment option included in Category 1	0%	50%
Category 2 Investment Options	0%	50%
Any individual investment option included in Category 2	0%	25%

Investment Options: 

CATEGORY 1	AVIP Constellation Dynamic Risk Balanced Portfolio AVIP Constellation Managed Risk Balanced Portfolio AVIP Constellation Managed Risk Moderate Growth Portfolio	AVIP Constellation Managed Risk Growth Portfolio
CATEGORY 2	AVIP BlackRock Balanced Allocation Portfolio AVIP Intech U.S. Low Volatility Portfolio

GMIB Plus with Annual Reset (2009)

Some or all of your purchase payments or Contract Value may be allocated to the Fixed Accumulation Account. Any portion that is not allocated to the Fixed Accumulation Account must be allocated in accordance with Option 1 or 2.

Option 1 - Select A Single Option

Allocation: 100%

Investment Options:

AVIP Moderately Conservative Model Portfolio
AVIP Balanced Model Portfolio
AVIP Moderate Growth Model Portfolio

Option 2 - Select Multiple Options

Allocations: 

	Minimum	Maximum
Category 1 Investment Options	30%	60%
Category 2 Investment Options	0%	70%
Category 3 Investment Options	0%	25%
Category 4 Investment Options	0%	15%

Investment Options: 

CATEGORY 1

AVIP Bond Portfolio Fidelity® VIP Government Money Market Portfolio

AVIP Core Plus Bond Portfolio PIMCO Real Return Portfolio PIMCO Short-Term Portfolio PIMCO Low Duration Portfolio

Fixed Options. The following is a list of fixed interest options currently available under the contract. To the extent permitted by the contract, we may change the features of the fixed interest options listed below, offer new fixed interest options, and terminate existing fixed interest options. We will provide you with written notice before doing so. If applicable, depending on the optional benefits you choose, you may not be able to invest in the fixed options listed below. 

Name	Term	Guaranteed Minimum Interest Rate
Fixed Account	12 months	1.00%
Enhanced DCA Account	6 or 12 months	1.00%