Updating Summary Prospectus (Form 497VPU)

Supplement dated February 18, 2026, to Updating Summary Prospectus and Prospectus

dated May 1, 2025, for the Protective Variable Annuity II B Series variable annuity contracts

issued by Protective Life Insurance Company

Protective Variable Annuity Separate Account

Supplement dated February 18, 2026, to Updating Summary Prospectus and Prospectus

dated May 1, 2025, for the Protective Variable Annuity NY II B Series contracts

issued by Protective Life and Annuity Insurance Company

Variable Annuity Account A of Protective Life

Supplement dated February 18, 2026, to the Updating Summary Prospectus and Prospectus

dated April 29, 2025, for the Schwab Genesis Variable Annuity^TM NY and

Schwab Genesis Advisory Variable Annuity^TM NY contracts

issued by Protective Life and Annuity Insurance Company

PLAIC Variable Annuity Account S

This Supplement amends certain information in your variable annuity contract prospectus and updating summary prospectus (collectively, the "Prospectus"). Please read this Supplement carefully and keep it with your Prospectus for future reference.

Important Notice Regarding the Reorganization of Legg Mason Partners Variable Equity Trust Portfolios

The Board of Trustees of the Legg Mason Partners Variable Equity Trust approved the reorganization (the "Reorganization") of certain Legg Mason Partners Variable Equity Trust portfolios (the "Target Funds") into newly created Lincoln Variable Insurance Products Trust portfolios (the "Acquiring Funds"), see table below. The Reorganization is subject to shareholder approval and will be submitted to shareholders of the Target Funds for their consideration at a special meeting to be held on April 10, 2026.

It is anticipated that the Reorganization, if approved by the shareholders, will take place, on April 24, 2026, or as soon as practicable thereafter (the "Closing Date").

On the Closing Date, after the close of business, your Contract Value in the Sub-Account invested in the Target Fund(s) at the time of the Reorganization will become invested in the Sub-Account that invests in the corresponding class of the Acquiring Funds, and the Target Funds will liquidate, cease operations, and will no longer be available for investment. Unless you instruct us otherwise, any allocation instruction you have on file that includes the Target Funds will be automatically updated with the corresponding Acquiring Funds after the Closing Date.

A Joint Proxy Statement/Prospectus will be sent to Contract Owners invested in the Target Fund requesting their vote on the proposal, which will include a full discussion of the Reorganization and the factors the Board of Trustees considered in approving the proposal.

Your rights and obligations under the Contract and your Contract Value will not change as a result of the Reorganization. The fees and charges under the Contract will not change and there are no tax consequences to you as a result of the Reorganization.

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As of the Closing Date, this Supplement amends your Prospectus by removing all references to the Target Funds as investment options under the Contract and the Acquiring Funds will be added as investment options under your Contract.

If you have any questions regarding this Supplement or if you wish to receive prospectuses for the Acquiring Funds, or other Funds available under your Contract, you may contact us by writing or calling Protective Life at P.O. Box 10648, Birmingham, AL 35202-0648 or toll free at 1-800-456-6330. You may also obtain Acquiring Fund and other Fund prospectuses online at www.protective.com/productprospectus by selecting your Contract then "Investment Options." Please work with your financial representative to determine if your existing allocation instructions should be changed before or after the Closing Date.