Notice Document by Insurance Company (Form N-VP)

ANNUAL NOTICE

May 1, 2026

This Annual Notice for three different classes of an individual flexible premium deferred variable and fixed annuity contract (the "Contract") issued by Protective Life and Annuity Insurance Company, provides certain updated information about your Contract since May 1, 2025. We sometimes refer to each class by its specific name (e.g.' the "L Series"). Each class has different charges, fees and features that may be appropriate for you based on your financial situation, your age and how you intend to use the Contract. In addition, this Annual Notice provides key information about your Contract that you should review, including a current list of Funds available under your Contract. Please read this Annual Notice carefully and retain it with your Contract prospectus for future reference.

The most recent prospectus for the Contract, dated May 1, 2015, (the "Prospectus") and supplements to the Prospectus contain more information about the Contract, including its features, benefits, and risks. You can find updated financial statements for Variable Annuity Account A of Protective Life and for Protective Life and Annuity Insurance Company, prospectuses for the Funds listed in the appendix, and other information about the Contract online at www.protective.com/​productprospectus. You can also obtain this information at no cost by calling 1-800-456-6330 or by sending an email request to [email protected].

The Contract is designed for investors who desire to accumulate capital on a tax deferred basis for retirement or other long term investment purposes, is not a short-term investment, and is not appropriate for an investor who needs ready access to cash. The Contracts is complex investment and involves risks, including potential loss of principal. withdrawals could result in surrender charges, taxes, and tax penalties.

Protective Life and Annuity Insurance Company's obligation under the Contract are subject to its financial strength and claims-paying ability.

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.

The SEC has not approved or disapproved these securities or passed upon the adequacy of this Annual

Notice. Any representation to the contrary is a criminal offense.

​	SPECIAL TERMS	​	​	3	​
​	UPDATED INFORMATION ABOUT YOUR CONTRACT	​	​	4	​
​	IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT	​	​	5	​

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APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT

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SPECIAL TERMS

"We", "us", "our", "Protective Life", and "Company"  Refer to Protective Lifeand Annuity Insurance Company. "You", "your", and "Owner" refer to the person(s) who has been issued a Contract.

Administrative Office Protective Lifeand AnnuityInsurance Company, P.O. Box 10648, Birmingham, Alabama 35202-0648 (for Written Notice sent by U.S. postal service) or Protective Lifeand AnnuityInsurance Company, 2801 Highway 280 South, Birmingham, Alabama 35223 (for Written Notice sent by a nationally recognized overnight delivery service).

Annual Withdrawal Amount or AWA The maximum amount that may be withdrawn from the Contract under the SecurePay SecurePay FXi rider each Contract Year after the Benefit Election Date without reducing the Benefit Base.

Annuity Date The date as of which the Contract Value, less applicable premium tax, is applied to an Annuity Option.

Annuity Option The payout option under which the Company makes annuity income payments.

Code The Internal Revenue Code of 1986, as amended.

Contract  The Protective Variable Annuity NY, a flexible premium, deferred, variable and fixed annuity contract.

Contract Anniversary The same month and day as the Issue Date in each subsequent year of the Contract.

Contract Value  Before the Annuity Date, the sum of the Variable Account value and the Guaranteed Account value.

Contract Year Any period of 12 months commencing with the Issue Date or any Contract Anniversary.

DCA Accounts A part of the Guaranteed Account, but separate from the Fixed Account. The DCA Accounts are designed to transfer amounts to the Sub-Accounts of the Variable Account systematically over a designated period.

Death Benefit The amount we pay to the beneficiary if an Owner dies before the Annuity Date.

Fixed Account A part of the Guaranteed Account, but separate from the DCA Accounts. Amounts allocated or transferred to the Fixed Account earn interest from the date the funds are credited to the account.

Fund Any investment portfolio in which a corresponding Sub-Account invests.

Guaranteed Account The Fixed Account (not available for C Series), the DCA Fixed Accounts and any other Investment Option we may offer with interest rate guarantees.

Investment Option Any account to which you may allocate Purchase Payments or transfer Contract Value under this Contract. The Investment Options are the Sub-Accounts of the Variable Account and the Guaranteed Account available in this Contract.

Owner  The person or persons who own the Contract and are entitled to exercise all rights and privileges provided in the Contract.

Purchase Payment The amount(s) paid by the Owner and accepted by the Company as consideration for this Contract.

Qualified Contracts Contracts issued in connection with retirement plans that receive favorable tax treatment under Sections 401, 403,408, 408A or 457 of the Code.

Sub-Account A separate division of the Variable Account.

Variable Account The Variable Annuity Account A of Protective Life, a separate investment account of Protective Life.

Written Notice A notice or request submitted in writing in a form satisfactory to the Company that we receive at the Administrative Office via U.S. postal service or nationally recognized overnight delivery service.

UPDATED INFORMATION ABOUT YOUR CONTRACT

The information in this section of the Annual Notice is a summary of certain Contract features that have changed since May 1, 2025. This may not reflect all of the changes that have occurred since you entered into your Contract.

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Templeton Asset Management Ltd. was removed as the sub-adviser for the Templeton Growth VIP Fund.

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Invesco Asset Management Limited was removed as the sub-adviser for the Invesco® V.I. Global Real Estate Fund.

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The MFS® VIT II International Intrinsic Value Portfolio changed its name to the MFS® VIT II International Intrinsic Equity Portfolio.

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The Templeton Developing Markets VIP Fund changed its name to the Templeton Emerging Markets VIP Fund.

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For updated Fund performance and fee information please see the APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT.

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IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT

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(1)

We calculate the Base Contract fee by dividing the total amount we receive from the annual contract maintenance fee, the mortality and expense risk charge and the administration charge for the last fiscal year by the total average net assets attributable to the Contracts for that year.

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(2)

As a percentage of Fund assets.

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(3)

As an annualized percentage of the death benefit value on each Monthly Anniversary Date, beginning on the 1st Monthly Anniversary Date. There are two death benefits available under the Contract: (1) the Return of Purchase Payments Death Benefit; and (2) the Maximum Anniversary Value Death Benefit. There is no death benefit fee for the Return of Purchase Payments Death Benefit. The Maximum Anniversary Value Death Benefit is not available if you purchase the Protective Income Manager rider. For more information on these death benefit values and fees, and how they are calculated, please see the "DEATH BENEFIT" and "Charges and Deductions, Death Benefit Fee" sections of this prospectus.

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(4)

As an annualized percentage of the Benefit Base on each Monthly Anniversary Date, beginning on the 1st Monthly Anniversary Date following election of the rider. We will give you at least 30 days' notice before any increase in the SecurePay Fee. You may elect not to pay the increase in your SecurePay Fee. If you do, your SecurePay rider will not terminate, but your current Benefit Base will be capped at its then current value. You will continue to be assessed your current SecurePay Fee, however, even though you will have given up the opportunity for any future increases in your SecurePay Benefit Base under any SecurePay rider. See "SecurePay with RightTime Option" in this prospectus.

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(5)

As an annualized percentage of Contract Value, beginning on the 1st Monthly Anniversary Date following election of the rider. The Protective Income Manager fee is a percentage of the greatest of: the Contract Value on each Monthly Anniversary Date; the Contract Value on the later of the Rider Issue Date or the most recent Reset Date; or, if you purchased the rider on the Contract Issue Date, the sum of all Purchase Payments received (including your initial Purchase Payment), less any withdrawals made, during the 120-day period following the Contract Issue Date. During the 120 days immediately following the Contract Issue Date, the fee is based upon your initial Purchase Payment. We will give you at least 30 days' notice before any increase in the Protective Income Manager Fee. You may elect not to pay the increase in your Protective Income Manager Fee. If you do, your Protective Income Manager rider will not terminate, but we will "lock in" your most recent Protective Income Manager Payment Factor and will use this factor when we calculate your Optimal Withdrawal Amount on all future Contract Anniversaries, even if there is a Reset following the date you elect not to pay the fee increase. You will continue to be assessed your current Protective Income Manager Fee. See "Protective Income Manager (patent pending) with RightTime Option" in this prospectus.

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Because your Contract is customizable, the options and benefits you choose can 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. These estimates assume that you do not take any withdrawals from the Contract, which could add surrender charges, that substantially increase costs.

For additional information about annual charges, please see "FEES AND EXPENSES" and "CHARGES AND DEDUCTIONS" in the Prospectus.

APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT

The following is a list of Funds available under the Contract. More information about the Funds is available in the prospectuses for the Funds, which may be amended from time to time and can be found online at www.protective.com/​eprospectus. You can also request this information at no cost by calling 1-800-456-6330 or by sending an email request to [email protected].

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

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(1)

These Funds and their investment advisers have entered into contractual fee waivers or expense reimbursement arrangements. These temporary fee reductions are reflected in their annual expenses. Those contractual arrangements are designed to reduce total annual Fund operating expenses for Contract Owners and will continue past the current year.

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(2)

Please contact us if you any have questions about fund/portfolio availability.

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The following is information for the fixed options currently available under the Contract. We may change the features of the fixed options listed below, offer new fixed options, and terminate existing fixed options. We will provide you with written notice before doing so. Depending on the optional benefits you choose, you may not be able to invest in certain fixed options, as noted below.

*Fixed Account not offered in C Series Contracts. If you elect the SecurePay 5 rider or the Protective Income Manager rider when you purchase your Contract, you may not allocate any portion of your Purchase Payments or Contract Value to the Fixed Account.