Form 497VPI VARIABLE ANNUITY LIFE
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E-mailSUPPLEMENT DATED OCTOBER 30, 2026
TO THE PROSPECTUSES AND SUMMARY
PROSPECTUSES, EACH DATED May 1, 2026
THE VARIABLE ANNUITY LIFE INSURANCE COMPANY
SEPARATE ACCOUNT A
Fixed and Variable Deferred Annuity Contracts
Portfolio Director Freedom Advisor
This supplement updates certain information for the above referenced prospectuses, updating summary prospectuses, and initial summary prospectuses (collectively, the “Prospectus”). Except as indicated in this supplement, all other information included in the Prospectus and Appendix A, including the footnotes, remains unchanged. You should read this supplement in conjunction with your Prospectus and retain it for future reference. All capitalized terms used but not defined herein have the same meaning as those included in the Prospectus.
In the “Key Information” section in the prospectus and the “Important Information You Should Consider About the Contract” section in the Initial Summary Prospectus and the Updating Summary Prospectus, the following changes are made:
| • | In the “Are There Ongoing Fees and Expenses?” section of the “FEES AND EXPENSES” table, the minimum fee for Investment Options is 0.19% and the Lowest Cost is $807. Additionally, the maximum fee for Investment Options is 1.08% and the Highest Annual Cost is $1,708. |
In the “Fee Table” section in the prospectus and the “Additional Information About Fees” section in the Initial Summary Prospectus, the following changes are made:
| • | In the “Annual Portfolio Company Expenses” table, the minimum Annual Fund Expenses is 0.19% and the maximum Annual Fund Expenses is 1.08%. |
| • | In the “Examples” section, the following replaces the expense examples: |
The first set of examples assumes the most expensive combination of annual Contract expenses and annual Fund expenses. Based on these assumptions, your costs would be:
(1) If you surrender your Contract at the end of the applicable time period:
|
1 Year |
3 Years |
5 Years |
10 Years | |||
| $1,708 | $5,299 | $9,136 | $19,921 |
(2) If you annuitize your Contract or you do not surrender your Contract:
|
1 Year |
3 Years |
5 Years |
10 Years | |||
| $1,708 | $5,299 | $9,136 | $19,921 |
Page 1 of 4
The second set of examples assumes the least expensive combination of annual Contract expenses and annual Fund expenses. Based on these assumptions, your costs would be:
(1) If you surrender your Contract at the end of the applicable time period:
|
1 Year |
3 Years |
5 Years |
10 Years | |||
| $807 | $2,525 | $4,395 | $9,820 |
(2) If you annuitize your Contract or you do not surrender your Contract:
|
1 Year |
3 Years |
5 Years |
10 Years | |||
| $807 | $2,525 | $4,395 | $9,820 |
The following table replaces the current table in its entirety in Appendix A:
| Current Expenses + |
Average Annual Total Returns (as of Dec. 31, 2025) | |||||||||||||
| Type/Investment Objective |
Portfolio Company and Adviser/Subadviser(s)1 | Current Expenses |
Platform Charge4 |
Platform Charge |
1 Year | 5 Year | 10 Year (or life of fund) | |||||||
| Domestic Large-Cap Equity |
Systematic Growth Fund2, 3 Adviser: VALIC Sub-Advisers: Goldman Sachs Asset Management, L.P. and Wellington Management Company LLP |
0.64% | None | 0.64% | 17.66% | 10.29% | 14.83% | |||||||
| Capital Appreciation Fund2 Adviser: VALIC Sub-Adviser: Columbia Management Investment Advisers, LLC |
0.68% | None | 0.68% | 14.19% | 14.69% | 15.33% | ||||||||
| Dividend Value Fund2, 3 Adviser: VALIC Sub-Advisers: BlackRock Investment Management, LLC and ClearBridge Investments, LLC |
0.67% | None | 0.67% | 18.21% | 11.55% | 10.40% | ||||||||
| Growth Fund2, 3 Adviser: VALIC Sub-Advisers: BlackRock |
0.61% | None | 0.61% | 14.57% | 11.57% | 15.67% | ||||||||
| Large Cap Core Fund2 Adviser: VALIC Sub-Adviser: JPMIM and T. Rowe Price |
0.68% | None | 0.68% | 9.81% | 10.02% | 14.27% | ||||||||
| Nasdaq-100® Index Fund2, 3
Adviser: VALIC Sub-Adviser: BlackRock |
0.42% | None | 0.42% | 20.42% | 14.73% | 19.06% | ||||||||
| Stock Index Fund2, 3 Adviser: VALIC Sub-Adviser: BlackRock |
0.22% | None | 0.22% | 17.55% | 14.08% | 14.46% | ||||||||
| Systematic Core Fund2, 3 Adviser: VALIC Sub-Adviser: Goldman Sachs |
0.63% | None | 0.63% | 14.77% | 12.45% | 13.89% | ||||||||
| Systematic Value Fund2, 3 Adviser: VALIC Sub-Adviser: Wellington Management |
0.64% | None | 0.64% | 17.41% | 13.25% | 10.31% | ||||||||
| U.S. Socially Responsible Fund2 Adviser: VALIC Sub-Adviser: BlackRock |
0.36% | None | 0.36% | 14.73% | 11.77% | 12.91% | ||||||||
Page 2 of 4
| Current Expenses + |
Average Annual Total Returns (as of Dec. 31, 2025) | |||||||||||||
| Type/Investment Objective |
Portfolio Company and Adviser/Subadviser(s)1 | Current Expenses |
Platform Charge4 |
Platform Charge |
1 Year | 5 Year | 10 Year (or life of fund) | |||||||
| Domestic Mid- Cap Equity |
Mid Cap Strategic Growth Fund2 Adviser: VALIC Sub-Advisers: Janus Henderson Investors US LLC and Voya Investment Management Co. LLC |
0.73% | None | 0.73% | 11.34% | 7.88% | 13.56% | |||||||
| Mid Cap Value Fund2 Adviser: VALIC Sub-Advisers: Boston Partners Global Investors, Inc. (d/b/a Boston Partners) and Wellington Management |
0.81% | None | 0.81% | 7.23% | 10.19% | 9.29% | ||||||||
| Mid Cap Index Fund2 Adviser: VALIC Sub-Adviser: BlackRock |
0.36% | None | 0.36% | 6.95% | 8.68% | 10.34% | ||||||||
| Domestic Small-Cap Equity | Small Cap Growth Fund2, 3 Adviser: VALIC Sub-Advisers: American Century Investment, Inc. and T. Rowe Price Associates, Inc. |
0.88% | None | 0.88% | 9.20% | -2.35% | 11.01% | |||||||
| Small Cap Index Fund2, 3 Adviser: VALIC Sub-Adviser: BlackRock |
0.36% | None | 0.36% | 12.23% | 5.69% | 9.27% | ||||||||
| Small Cap Core Fund2 Adviser: VALIC Sub-Adviser: Invesco Advisers, Inc. |
0.83% | None | 0.83% | -3.03% | 6.57% | 8.39% | ||||||||
| Small Cap Value Fund2, 3 Adviser: VALIC Sub-Adviser: JPMIM |
0.85% | None | 0.85% | 12.16% | 9.55% | 8.54% | ||||||||
| Global Equity (International and Domestic) |
Global Strategy Fund2, 3 Adviser: VALIC Sub-Advisers: Franklin Advisers, Inc. and Brandywine Global Investment Management LLC |
0.63% | None | 0.63% | 20.73% | 7.18% | 5.85% | |||||||
| International Socially Responsible Fund2, 3 Adviser: VALIC Sub-Adviser: BlackRock |
0.57% | None | 0.57% | 27.32% | 7.80% | 9.10% | ||||||||
| International Equity |
Emerging Economies Fund2 Adviser: VALIC Sub-Adviser: BlackRock |
0.99% | None | 0.99% | 30.11% | 4.19% | 8.04% | |||||||
| International Equities Index Fund2, 3 Adviser: VALIC Sub-Adviser: BlackRock |
0.39% | None | 0.39% | 30.81% | 8.47% | 7.82% | ||||||||
| International Growth Fund2, 3 Adviser: VALIC Sub-Advisers: MSIM and Morgan Stanley Investment Management Co. |
0.82% | None | 0.82% | 16.07% | 1.86% | 8.33% | ||||||||
| International Opportunities Fund2, 3 Adviser: VALIC Sub-Advisers: Invesco Advisers, Inc. and Wellington Management |
1.05% | None | 1.05% | 27.46% | 2.74% | 6.76% | ||||||||
| International Value Fund2, 3 Adviser: VALIC Sub-Advisers: Goldman Sachs and Columbia Management Investment Advisers, LLC |
0.78% | None | 0.78% | 39.97% | 10.60% | 8.10% | ||||||||
Page 3 of 4
| Current Expenses + |
Average Annual Total Returns (as of Dec. 31, 2025) | |||||||||||||
| Type/Investment Objective |
Portfolio Company and Adviser/Subadviser(s)1 | Current Expenses |
Platform Charge4 |
Platform Charge |
1 Year | 5 Year | 10 Year (or life of fund) | |||||||
| Specialty | Global Real Estate Fund2 Adviser: VALIC Sub-Advisers: Duff & Phelps Investment Management Co. and MFS |
0.88% | None | 0.88% | 7.70% | 1.77% | 3.39% | |||||||
| Science & Technology Fund2, 3 Adviser: VALIC Sub-Advisers: BlackRock and Voya IM |
0.91% | None | 0.91% | 22.57% | 11.59% | 18.92% | ||||||||
| Hybrid (Equity and Fixed Income) |
Aggressive Allocation Lifestyle Fund2, 3 Adviser: VALIC Sub-Adviser: JPMIM |
0.56% | None | 0.56% | 16.94% | 8.73% | 9.38% | |||||||
| Asset Allocation Fund2, 3 Adviser: VALIC Sub-Adviser: JPMIM |
0.66% | None | 0.66% | 11.50% | 8.17% | 7.75% | ||||||||
| Conservative Allocation Lifestyle Fund2, 3 Adviser: VALIC Sub-Adviser: JPMIM |
0.60% | None | 0.60% | 11.79% | 4.34% | 5.85% | ||||||||
| Moderate Allocation Lifestyle Fund2, 3 Adviser: VALIC Sub-Adviser: JPMIM |
0.57% | None | 0.57% | 14.40% | 7.01% | 8.10% | ||||||||
| Fixed Income | Core Bond Fund2 Adviser: VALIC Sub-Advisers: PineBridge Investments LLC and JPMIM |
0.48% | None | 0.48% | 7.64% | -0.16% | 2.36% | |||||||
| Goldman Sachs VIT Government Money Market Fund3 – Institutional Shares Adviser: Goldman Sachs |
0.18% | None | 0.18% | 4.20% | 3.18% | 2.11% | ||||||||
| Government Securities Fund2 Adviser: VALIC Sub-Adviser: JPMIM |
0.56% | None | 0.56% | 6.66% | -0.49% | 1.41% | ||||||||
| High Yield Bond Fund2, 3 Adviser: VALIC Sub-Adviser: Wellington Management |
0.68% | None | 0.68% | 9.37% | 4.20% | 5.92% | ||||||||
| Inflation Protected Fund2, 3 Adviser: VALIC Sub-Adviser: Wellington Management |
0.53% | None | 0.53% | 6.00% | 1.06% | 2.86% | ||||||||
| International Government Bond Fund2 Adviser: VALIC Sub-Adviser: PineBridge |
0.77% | None | 0.77% | 9.15% | -2.01% | 1.64% | ||||||||
Page 4 of 4
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