Form 497VPU EMPIRE FIDELITY INVESTME

SUPPLEMENT DATED NOVEMBER 1, 2026

TO THE UPDATING SUMMARY PROSPECTUS AND STATUTORY

PROSPECTUS DATED APRIL 30, 2026

OF FREEDOM LIFETIME INCOME

ISSUED BY EMPIRE FIDELITY INVESTMENTS LIFE INSURANCE COMPANY^® (“EFILI”)

This supplement should be read, retained, and used in conjunction with the Updating Summary Prospectus and Statutory Prospectus (collectively, the “Prospectuses”) of Freedom Lifetime Income.

Effective November 1, 2026, current expenses for the Fidelity VIP Freedom Lifetime Income Portfolios have changed.

The information in APPENDIX A: FUNDS AVAILABLE UNDER THE CONTRACT relating to the Fidelity Lifetime Income Portfolios is replaced with the following:

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/FLI. 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.