Form 497VPI SYMETRA SEPARATE ACCOUNT

January 15, 2026 12:47 PM EST

SUPPLEMENT DATED JANUARY 15, 2026 TO THE PROSPECTUS, INITIAL SUMMARY PROSPECTUS, AND UPDATING SUMMARY PROSPECTUS
DATED MAY 1, 2025 FOR

ACCUMULATOR VARIABLE UNIVERSAL LIFE

Issued By: Symetra Life Insurance Company

This supplement updates certain information in the prospectus, initial summary prospectus (“ISP”), and updating summary prospectus (“USP”) for the above referenced variable universal life contract issued by Symetra Life Insurance Company.

A majority of independent trustees of Vanguard Variable Insurance Funds, on behalf of the Diversified Value Portfolio (the “Portfolio”), have approved a restructuring of the Portfolio’s investment advisory team. As a result, effective on December 15, 2025, the Portfolio’s advisor information in the Fund Name and Advisor column under Appendix A in the prospectus and ISP and the Appendix in the USP is replaced as follows:


ORIGINAL REVISED
FUND NAME AND ADVISORFUND NAME AND ADVISOR
Vanguard VIF - Diversified Value Portfolio
The Vanguard Group, Inc.
Vanguard VIF - Diversified Value Portfolio
Aristotle Capital Management, LLC
Harris Associates L.P.
Hotchkis and Wiley Capital Management, LLC



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