Notice Document by Insurance Company (Form N-VP)

Charges for Early Withdrawals

A Withdrawal Charge of $25 or 2% of the amount withdrawn, whichever is less, will apply to each withdrawal after the first withdrawal each contract year.

Transaction Charges

A Transfer Charge of $10 or 2% of the amount transferred, whichever is less, will apply upon each transfer in excess of 12 transfers in a contract year.

Ongoing Fees and Expenses (annual charges)

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 data page for information about the specific fees you will pay each year based on the options you have elected.

Annual Fee

Minimum

Maximum

Base Contract (1)

1.91%

2.67%

Portfolio Fees & Expenses (2)

0.50%

1.26%

Lowest Annual Cost: $1,699.75

Highest Annual Cost: $2,289.50

The Lowest Annual Cost shown above assumes the following:

•Investment of $100,000

•5% annual appreciation

•Least expensive combination of Contract Classes and Portfolio Company fees and expenses

•No sales charges

•No additional purchase payments, transfers or withdrawals

The Highest Annual Cost shown above assumes the following:

•Investment of $100,000

•5% annual appreciation

•Most expensive combination of Contract Classes and Portfolio Company fees and expenses

•No sales charges

•No additional purchase payments, transfers or withdrawals

Risk of Loss

You may lose money by investing in the contract.

Not a Short-Term Investment

The contract is not a short-term investment and is not appropriate if you need ready access to cash. Withdrawals may result in a withdrawal charge of $25 or 2% (whichever is less) which will reduce the value of your Contract. The benefits of tax deferral and living benefit protections also mean the contract is more beneficial to investors with a long time horizon. Tax penalties may apply to withdrawals taken before age 59 ½. Transfer limits and fees designed to deter marketing timing may apply under policies designed to deter frequent trading and market timing.

Risks Associated with Investment Options

Investment in the contract is subject to the risk of poor investment performance and can vary depending on the performance of the Portfolios available under the contract. Each Portfolio has its own unique risks. You should review these Portfolios before making an investment decision.

Insurance Company Risks

Investment in the contract is subject to the risks related to First Symetra National Life Insurance Company of New York. Any obligations, (including obligations related to the Fixed Account and Sub-accounts), guarantees, and benefits provided for under the contract are subject to our financial strength and claims-paying ability. More 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.

Investments

You may allocate amounts under the contract to one or more of the Sub-accounts available to you. Certain Sub-accounts are closed to new investors and only available to contract Owners who have been continuously invested in them as of a certain date. Once a contract Owner has transferred the entire value out of one of these closed Sub-accounts, the Sub-account is no longer available to the contract Owner for investment. You may also allocate money to the First Symetra Fixed Account, which credits guaranteed interest rates. We reserve the right to add, combine, restrict or remove any Sub-account available as an investment option under your contract. We further reserve the right to restrict or remove the First Symetra Fixed Account as an investment option available under the contract.

Tax Implications

You should consult a competent tax professional about your individual circumstances to determine the tax implications of an investment in and purchase payments received under the contract. There is no additional tax benefit if you purchased the contract through a tax-qualified plan or individual retirement account (IRA). Access to amounts held in a qualified contract may be restricted or prohibited.

All distributions other than death benefits, including surrenders, withdrawals and loans taken or secured by the contract will be subject to ordinary income tax, and may be subject to tax penalties.

Investment Professional Compensation

Investment professionals who solicited sales of the contracts 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 Purchase Payments invested in the contract.

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

Exchanges

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

You should not exchange this contract for another one unless you determine, after comparing the features, fees and risks of both contracts, that it is in your best interest.

APPENDIX: PORTFOLIOS AVAILABLE UNDER THE CONTRACT

TYPE

PORTFOLIO 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

Asset Allocation

Federated Hermes Managed Volatility Fund II - Primary Shares

Federated Advisory Services Company (FASC), an affiliate of the Co-Advisers, Federated Investment Management Company (FIMCO) and Federated Equity Management Company of Pennsylvania (FEMCOPA)

0.97%**

7.03%

6.56%

6.85%

Money Market

Fidelity® VIP Government Money Market Portfolio - Service Class 2

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

0.50%

3.86%

2.90%

1.83%

Asset Allocation

LVIP American Century Balanced Fund - Standard Class II

American Century Investment Management, Inc.

0.77%**

9.62%

6.49%

8.03%

Bond

Victory Pioneer Bond VCT Portfolio - Class I Shares

Victory Capital Management Inc.

0.87%**

9.17%

0.74%

2.84%

U.S. Equity

Victory Pioneer Fund VCT Portfolio - Class I Shares

Victory Capital Management Inc.

0.75%**

23.35%

14.98%

15.75%

U.S. Equity

Victory Pioneer Mid Cap Value VCT Portfolio - Class I Shares

Victory Capital Management Inc.

1.01%**

11.19%

11.16%

9.01%

U.S. Equity

Victory Pioneer Select Mid Cap Growth VCT Portfolio - Class I Shares

Victory Capital Management Inc.

0.86%**

20.47%

5.73%

11.93%

International Equity

Voya Global High Dividend Low Volatility Portfolio - Class S

Voya Investments, LLC

0.85%**

18.73%

10.25%

8.78%

International Equity

VY JPMorgan Emerging Markets Equity Portfolio - Class I

Voya Investments, LLC Sub-Advised by J.P. Morgan Investment Management, Inc.

1.19%**

39.06%

0.29%

9.27%