Empire Fidelity Investments Variable Annuity Account A
10/30/2026 | Press release | Distributed by Public on 10/30/2026 07:00
Prospectus by Investment Company (Form 497)
SUPPLEMENT DATED NOVEMBER 1, 2026
TO THE SUMMARY PROSPECTUS, UPDATING SUMMARY PROSPECTUS AND STATUTORY PROSPECTUS DATED APRIL 30, 2026
OF PERSONAL RETIREMENT ANNUITY
ISSUED BY EMPIRE FIDELITY INVESTMENTS LIFE INSURANCE COMPANY
®
("EFILI")
This supplement should be read, retained, and used in conjunction with the Summary Prospectus, Updating Summary Prospectus, and Statutory Prospectus (collectively, the "Prospectuses") of Personal Retirement Annuity.
Effective November 1, 2026, current expenses for the Fidelity® VIP Investor Freedom Portfolios have changed.
The information in APPENDIX A: FUNDS AVAILABLE UNDER THE CONTRACT relating to the Fidelity® VIP Investor FreedomSM Portfolios is replaced with the following:
| Investment Objective |
Fund &
Adviser/Subadviser
|
Current Expenses |
Average Annual
Total Returns
(as of 12/31/25)
|
|||||||
| 1 year | 5 year | 10 year | ||||||||
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond |
Fidelity® VIP Investor FreedomSM 2010 Portfolio
Adviser: Fidelity Management & Research Company LLC
|
0.37% | 10.57% | 3.11% | 5.68% | |||||
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond |
Fidelity® VIP Investor FreedomSM 2015 Portfolio
Adviser: Fidelity Management & Research Company LLC
|
0.40% | 11.87% | 3.95% | 6.55% | |||||
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond |
Fidelity® VIP Investor FreedomSM 2020 Portfolio
Adviser: Fidelity Management & Research Company LLC
|
0.44% | 13.29% | 4.79% | 7.33% | |||||
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond |
Fidelity® VIP Investor FreedomSM 2025 Portfolio
Adviser: Fidelity Management & Research Company LLC
|
0.47% | 14.44% | 5.46% | 7.95% | |||||
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond |
Fidelity® VIP Investor FreedomSM 2030 Portfolio
Adviser: Fidelity Management & Research Company LLC
|
0.51% | 15.37% | 6.18% | 8.81% | |||||
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond |
Fidelity® VIP Investor FreedomSM 2035 Portfolio
Adviser: Fidelity Management & Research Company LLC
|
0.55% | 16.61% | - | - | |||||
|
PRA 26-01
|
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|
Investment Objective
|
Fund &
Adviser/Subadviser
|
Current
Expenses |
Average Annual
Total Returns
(as of 12/31/25)
|
|||||||
|
1 year
|
5 year
|
10 year
|
||||||||
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond |
Fidelity® VIP Investor FreedomSM 2040 Portfolio
Adviser: Fidelity Management & Research Company LLC
|
0.60% | 18.69% | - | - | |||||
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond |
Fidelity® VIP Investor FreedomSM 2045 Portfolio
Adviser: Fidelity Management & Research Company LLC
|
0.64% | 19.69% | - | - | |||||
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond |
Fidelity® VIP Investor FreedomSM 2050 Portfolio
Adviser:
Fidelity Management & Research Company LLC
|
0.64% | 19.73% | - | - | |||||
| Seeks high total return with a secondary objective of principal preservation |
Fidelity® VIP Investor Freedom RetirementSM Portfolio†
Adviser:
Fidelity Management & Research Company LLC
|
0.37% | 9.63% | 2.31% | 4.40% | |||||
| † |
Prior to April
30, 2026, the fund was named Fidelity
®
VIP Investor Freedom Income Portfolio.
|
Effective November 14, 2026, we are discontinuing the ability to fu
n
d Purchase Payments to the Contract from a Fidelity mutual fund account.
All references to a Fidelity mutual fund account have been removed.
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.dfinview.com/Fidelity/PUFT/PRA. You can also request this information at no cost by calling 1-800-634-9361 or by sending an email request to [email protected].
THIS SUPPLEMENT SHOULD BE READ AND RETAINED FOR FUTURE REFERENCE
If you have questions, or if you would like to discuss allocation options, please contact a Fidelity Annuity Service Specialist at
800-634-9361,
Monday through Friday, 8:30 a.m. to 7:30 p.m. Eastern time.
|
PRA 26-01
|
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Empire Fidelity Investments Variable Annuity Account A published this content on October 30, 2026, and is solely responsible for the information contained herein. Distributed via EDGAR on October 30, 2026 at 13:01 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]