Variable Annuity Life Insurance Separate Account A Co
10/30/2026 | Press release | Distributed by Public on 10/30/2026 13:53
Prospectus by Investment Company (Form 497)
SUPPLEMENT 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
Charge
4
|
Platform
Charge |
1 Year
|
5 Year
|
10 Year
(or life of fund) |
|||||||
|
Domestic Mid-
Cap Equity |
Mid Cap Strategic Growth Fund
2
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 Fund
2
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 Fund
2
Adviser: VALIC
Sub-Adviser:
BlackRock
|
0.36% | None | 0.36% | 6.95% | 8.68% | 10.34% | ||||||||
|
Domestic Small-Cap
Equity
|
Small Cap Growth Fund
2, 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 Fund
2, 3
Adviser: VALIC
Sub-Adviser:
BlackRock
|
0.36% | None | 0.36% | 12.23% | 5.69% | 9.27% | ||||||||
|
Small Cap Core Fund
2
Adviser: VALIC
Sub-Adviser:
Invesco Advisers, Inc.
|
0.83% | None | 0.83% | -3.03% | 6.57% | 8.39% | ||||||||
|
Small Cap Value Fund
2, 3
Adviser: VALIC
Sub-Adviser:
JPMIM
|
0.85% | None | 0.85% | 12.16% | 9.55% | 8.54% | ||||||||
|
Global Equity
(International and Domestic) |
Global Strategy Fund
2, 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 Fund
2, 3
Adviser: VALIC
Sub-Adviser:
BlackRock
|
0.57% | None | 0.57% | 27.32% | 7.80% | 9.10% | ||||||||
|
International
Equity |
Emerging Economies Fund
2
Adviser: VALIC
Sub-Adviser:
BlackRock
|
0.99% | None | 0.99% | 30.11% | 4.19% | 8.04% | |||||||
|
International Equities Index Fund
2, 3
Adviser: VALIC
Sub-Adviser:
BlackRock
|
0.39% | None | 0.39% | 30.81% | 8.47% | 7.82% | ||||||||
|
International Growth Fund
2, 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 Fund
2, 3
Adviser: VALIC
Sub-Advisers:
Invesco Advisers, Inc. and Wellington Management
|
1.05% | None | 1.05% | 27.46% | 2.74% | 6.76% | ||||||||
|
International Value Fund
2, 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
Charge
4
|
Platform
Charge |
1 Year
|
5 Year
|
10 Year
(or life of fund) |
|||||||
|
Specialty
|
Global Real Estate Fund
2
Adviser: VALIC
Sub-Advisers:
Duff & Phelps Investment Management Co. and MFS
|
0.88% | None | 0.88% | 7.70% | 1.77% | 3.39% | |||||||
|
Science & Technology Fund
2, 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 Fund
2, 3
Adviser: VALIC
Sub-Adviser:
JPMIM
|
0.56% | None | 0.56% | 16.94% | 8.73% | 9.38% | |||||||
|
Asset Allocation Fund
2, 3
Adviser: VALIC
Sub-Adviser:
JPMIM
|
0.66% | None | 0.66% | 11.50% | 8.17% | 7.75% | ||||||||
|
Conservative Allocation Lifestyle Fund
2, 3
Adviser: VALIC
Sub-Adviser:
JPMIM
|
0.60% | None | 0.60% | 11.79% | 4.34% | 5.85% | ||||||||
|
Moderate Allocation Lifestyle Fund
2, 3
Adviser: VALIC
Sub-Adviser:
JPMIM
|
0.57% | None | 0.57% | 14.40% | 7.01% | 8.10% | ||||||||
|
Fixed Income
|
Core Bond Fund
2
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 Fund
3
- Institutional Shares
Adviser: Goldman Sachs
|
0.18% | None | 0.18% | 4.20% | 3.18% | 2.11% | ||||||||
|
Government Securities Fund
2
Adviser: VALIC
Sub-Adviser:
JPMIM
|
0.56% | None | 0.56% | 6.66% | -0.49% | 1.41% | ||||||||
|
High Yield Bond Fund
2, 3
Adviser: VALIC
Sub-Adviser:
Wellington Management
|
0.68% | None | 0.68% | 9.37% | 4.20% | 5.92% | ||||||||
|
Inflation Protected Fund
2, 3
Adviser: VALIC
Sub-Adviser:
Wellington Management
|
0.53% | None | 0.53% | 6.00% | 1.06% | 2.86% | ||||||||
|
International Government Bond Fund
2
Adviser: VALIC
Sub-Adviser:
PineBridge
|
0.77% | None | 0.77% | 9.15% | -2.01% | 1.64% | ||||||||
Page 4 of 4
Variable Annuity Life Insurance Separate Account A Co published this content on October 30, 2026, and is solely responsible for the information contained herein. Distributed via EDGAR on October 30, 2026 at 19:53 UTC. If you believe the information included in the content is inaccurate or outdated and requires editing or removal, please contact us at [email protected]