Form 497VPU PRINCIPAL LIFE INSURANCE

April 30, 2026 6:11 AM EDT

Updating Summary Prospectus dated May 1, 2026
For Current Policy Owners

PRINCIPAL® VARIABLE UNIVERSAL LIFE INCOME II
VARIABLE UNIVERSAL LIFE INSURANCE POLICY

Issued by Principal Life Insurance Company through its
Principal Life Insurance Company Variable Life Separate Account

You should read this Updating Summary Prospectus carefully, particularly the section titled Important Information You Should Consider about the Policy. This Updating Summary Prospectus is only for the use of current Policy owners.
The statutory prospectus is also available to you and contains more information about the Policy, including its features, benefits, and risks. You can find the current statutory prospectus, Statement of Additional Information ("SAI"), and other information about the Policy, as well as information about the Underlying Funds online at www.principal.com/ExecutiveVUL2Report. You can also obtain this information at no cost by calling 1-800-247-9988 or by sending an email request to Lifeinsurance@principal.com. For additional questions about your Policy, please contact your registered representative.
Additional information about certain investment products, including variable life insurance policies, has been prepared by the Securities and Exchange Commission’s ("SEC's") staff and is available at Investor.gov.


Updating Summary Prospectus Contents
Special Terms
2
Updated Information about Your Policy
Important Information You Should Consider about the Policy
Appendix: Underlying Funds Available under the Policy
4




Special Terms
The terms defined below are used throughout this prospectus.

Company (and we, us, our) – Principal Life Insurance Company.

Data Pages - the pages of the policy which contain information specific to you, to the Insured and the Policy. Current or revised Data Pages may be sent to you from time to time which reflect the current status of your Policy.

Division – a part of the Separate Account which invests in shares of a corresponding Underlying Fund. The "Money Market Division" refers to the Fidelity VIP Government Money Market Division.

Face Amount – the amount used to determine the death benefit.

Fixed Account – the portion of the Policy Value that is held in our general account.

General Account – assets of the Company other than those allocated to any of our Separate Accounts.

Insured – the person named as the “insured” on the Data Pages.

Owner – the person, including joint Owner, who owns all the rights and privileges of this Policy.

Policy Date – the date from which Monthly Dates, Policy Years and policy anniversaries are determined.

Separate Account – the Principal Life Insurance Company Variable Life Separate Account, an account established by us which has Divisions to which Net Premiums may be allocated under the Policy.

Underlying Fund – a registered open-end investment company, or a separate investment account or portfolio thereof, in which a Division invests.

you, your – the Owner of the Policy.


Updated Information about Your Policy
This is a summary of certain Policy features that have changed since the statutory prospectus dated May 1, 2025. This may not reflect all of the changes that have occurred since you entered into your Policy.
Portfolio Companies
•Prior to June 2, 2025, the name of the Acorn International Fund was the Wanger Acorn International Fund.
•Prior to July 28, 2025, the name of the Quality Equity Portfolio was the AMT Sustainable Equity Portfolio.
•Prior to December 1, 2025, the name of the Nomura VIP Small Cap Value Series was the Macquarie VIP Small Cap Value Series.
•Prior to May 1, 2026, the name of the LVIP Avantis Large Cap Value Fund was the LVIP American Century Disciplined Core Value Fund.
•Prior to May 1, 2026, the name of the TOPS ® Managed Risk Moderately Aggressive ETF Portfolio was the TOPS ® Managed Risk Growth ETF Portfolio.
•Prior to May 1, 2026, the name of the TOPS ® Managed Risk Moderate Growth ETF Portfolio was the TOPS ® Managed Risk Moderate Growth ETF Portfolio.

2


Important Information You Should Consider about the Policy

FEES AND EXPENSESLocation in Statutory Prospectus
Charges for Early Withdrawals
Guaranteed Maximum: $55.83 per $1,000 of Face Amount (5.58%)
"Face Amount" refers to the amount used to determine the death benefit. If you fully surrender your Policy within fourteen years of the Policy Date shown on your Data Pages or a Face Amount increase, a surrender charge is imposed. For example, if you make an early withdrawal, you could pay a maximum surrender charge of up to $5,583 on a Policy with a Face Amount of $100,000. Surrender charges decline over time.
SUMMARY: FEE TABLES - Transaction Fees

CHARGES AND DEDUCTIONS
Transaction Charges
In addition to surrender charges, you may also be charged for other transactions, including a sales charge and taxes assessed on each premium paid, a transaction fee for unscheduled partial surrenders, transfer fees for unscheduled Division transfers, and illustration fees.
SUMMARY: FEE TABLES - Transaction Fees
Ongoing Fees and Expenses
(annual charges)
In addition to surrender charges and transaction charges, an investment in the Policy is subject to certain ongoing fees and expenses, including fees and expenses covering the cost of insurance under the Policy, as well as interest for any Loan Indebtedness and the cost of optional benefits under the Policy. Certain fees and expenses are set based on the characteristics of the Insured (e.g., age, sex, and rating classification). You should view the Data Pages for rates applicable to you. "Data Pages" are the pages of the policy which contain information specific to you, to the Insured and the Policy. Current or revised Data Pages may be sent to you from time to time.
SUMMARY: FEE TABLES - Periodic Charges Other Than Annual Underlying Fund Expenses

Investors will also bear expenses associated with the Underlying Funds, as shown in the following table:
SUMMARY: FEE TABLES - Annual Underlying Fund Expenses

CHARGES AND DEDUCTIONS

APPENDIX - Underlying Funds Available Under the Policy
Annual FeeMinimumMaximum
Investment Options (Underlying Fund Fees and Expenses)0.20%2.50%

3


RISKSLocation in Statutory Prospectus
Risk of LossYou can lose money by investing in a Policy.PRINCIPAL RISKS OF INVESTING IN THE POLICY - Risk of Loss; Not a Short Term Investment
Not a Short-Term Investment
The Policy is not a short-term investment and is not appropriate for an investor that needs ready access to cash.

Withdrawals will reduce the value of your Policy and the death benefit and may lead to adverse tax consequences.
Risks Associated with Investment Options
An investment in the Policy is subject to the risk of poor investment performance and can vary depending on the performance of the investment options available under the Policy (e.g., the Underlying Funds). Each investment option (including the Fixed Account) has its own unique risks. A comprehensive discussion of the risks of each Underlying Fund may be found in the Underlying Fund’s prospectus. You should review these investment options before making an investment decision.
PRINCIPAL RISKS OF INVESTING IN THE POLICY - Risks of Underlying Funds
Insurance Company RisksAn investment in the Policy is subject to the risks related to the Company. Any obligations (including under the Fixed Accounts), guarantees, or benefits are subject to the claims-paying ability of the Company. More information about the Company, including its financial strength ratings, is available at https://investors.principal.com/investor-relations/our-business/credit-ratings/default.aspx.GENERAL DESCRIPTION OF THE POLICY - General Account
Policy Lapse
When the Policy lapses, it terminates with no value and no longer provides any life insurance benefit upon the death of the Insured. Poor investment performance, partial surrenders, failure to pay sufficient premiums, and unpaid policy loans and loan interest will increase the risk of lapse. If your Policy lapses, you can only reinstate it under certain conditions, including making certain payments.
PRINCIPAL RISKS OF INVESTING IN THE POLICY - Policy Termination (Lapse)

POLICY TERMINATION AND REINSTATEMENT

4


RESTRICTIONSLocation in Statutory Prospectus
Investments
While you may transfer amounts in the Divisions (which invest in shares of a corresponding Underlying Fund) and Fixed Accounts, certain restrictions and transfer fees apply with regard to the number and amount of such transfers. Transfers from the Fixed Account are subject to significant limitations. Transfers are also subject to the excessive trading and market timing polices described in this prospectus.

We reserve the right to remove or substitute Underlying Funds as investment options.

Depending on your state, or your financial professional or your financial professional's firm, certain investment options may not be available.
GENERAL DESCRIPTION OF THE POLICY - Limitations on Transfers

GENERAL DESCRIPTION OF THE POLICY - Reservation of Rights

GENERAL DESCRIPTION OF THE POLICY - Material State Variations

GENERAL DESCRIPTION OF THE POLICY - Financial Intermediary Variations
Optional BenefitsSome optional benefits under the Policy are subject to limitations, restrictions, and additional charges, including with respect to their availability and the amounts that may be paid under such benefits.
OTHER BENEFITS AVAILABLE UNDER THE POLICY
Withdrawals may significantly reduce the value of a benefit.

Depending on your state, or your financial professional or your financial professional's firm, certain benefits may not be available or may be available on different terms.

GENERAL DESCRIPTION OF THE POLICY - Material State Variations

GENERAL DESCRIPTION OF THE POLICY - Financial Intermediary Variations
Not all of the options described in the prospectus are available or approved for use in every state. GENERAL DESCRIPTION OF THE POLICY - Material State Variations

TAXESLocation in Statutory Prospectus
Tax Implications
You should consult with a tax professional to determine the tax implications of an investment in, and payments received under, the Policy. There is no additional tax benefit to you if the Policy is purchased through a tax-qualified plan or individual retirement account (IRA), and withdrawals will be subject to ordinary income tax and may be subject to tax penalties.
TAX ISSUES RELATED TO THE POLICY

5


CONFLICTS OF INTERESTLocation in Statutory Prospectus
Investment Professional CompensationThe Company pays compensation to broker-dealers, financial institutions and other parties for the sale of the Policy, including commissions on premiums paid on the Policy. The Company and/or its affiliates may also pay other amounts such as marketing allowances, expense reimbursements and education payments. Such compensation may influence the financial intermediary or sales representative to recommend the purchase of this Policy over competing policies or over other investment options. PRINCIPAL RISKS OF INVESTING IN THE POLICY - Conflicts of Interest
Exchanges
Some financial representatives may have a financial incentive to offer a new policy in place of the one you already own. You should only exchange an existing Policy if you determine, after comparing the features, fees and risks of both policies, and any fees or penalties to terminate the existing policy, that it is preferable to purchase the new policy rather than continue to own an existing policy.
PRINCIPAL RISKS OF INVESTING IN THE POLICY - Conflicts of Interest










6


APPENDIX A

UNDERLYING FUNDS AVAILABLE UNDER THE POLICY

The following is a list of Underlying Funds currently available under the Policy, which is subject to change. Before you invest, you should review the prospectuses for the Underlying Funds, as may be amended from time to time. These prospectuses contain more information about the Underlying Funds and their risks. You can find the prospectuses and other information about the Underlying Funds online at www.principal.com/VariableVUL2Report. You can also request this information at no cost by calling 1-800-247-9988 or by sending an email request to lifeinsurance@principal.com.

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

Some of the Underlying Funds are “funds of funds.” A fund of funds is a mutual fund that invests primarily in a portfolio of other mutual funds. Operating expenses shown for a fund of funds include the fees and expenses that such fund incurs indirectly as a result of investing in other funds. More detail about the risks of investing in a fund of funds is available in such fund’s prospectus.

The availability of investment options may vary depending in your financial professional or your financial professional's firm. See GENERAL DESCRIPTION OF THE POLICY - Financial Intermediary Variations in the statutory prospectus.


Type

Fund Name

Adviser/
Subadviser

Current
Expenses
Average Annual Total Returns (as of 12/31/25)
1
Year
5
Year
10 Year
Small/Mid U.S. Equity
AB Variable Products Series Fund, Inc.
Discovery Value Portfolio
Class A
Alliance
Bernstein L.P.
0.82%
2.89%
8.75%
8.55%
International Equity
AB Variable Products Series Fund, Inc.
International Value Portfolio
Class A 1
Alliance
Bernstein L.P.
0.90%
41.70%
10.47%
6.64%
Small/Mid U.S. Equity
AB Variable Products Series Fund, Inc.
Small Cap Growth Portfolio
Class A 1,2
Alliance Bernstein L.P.
0.90%
4.80%
-0.44%
11.26%
Asset Allocation
American Funds Insurance Series®
American Funds ® Global Balanced Fund
Class 2 1
Capital Research and Management Company
0.76%
17.14%
6.11%
7.69%
Large U.S. Equity
American Funds Insurance Series®
Growth Fund
Class 2
Capital Research and Management Company
0.58%
20.24%
13.37%
17.97%














International Equity
American Funds Insurance Series®
EUPAC Fund
Class 2 1,11
Capital Research and Management Company
0.72%
26.77%
3.40%
7.00%
International Equity
American Funds Insurance Series®
New World Fund ®
Class 2 1
Capital Research and Management Company
0.82%
28.29%
5.33%
9.25%
Large U.S. Equity
American Funds Insurance Series®
Washington Mutual Investors Fund
Class 2 1
Capital Research and Management Company
0.50%
17.21%
13.89%
12.36%
Small/Mid U.S. Equity
BNY Mellon Investment Portfolios
MidCap Stock Portfolio
Service Shares 1
BNY Mellon Investment Adviser, Inc./ Newton Investment Management North America, LLC
1.05
9.81
9.39
8.51
Fixed Income
Calvert Variable Trust, Inc.
CVT Investment Grade Bond Index Portfolio
Class I 1
Calvert Research and Management/ Ameritas Investment Partners, Inc.
0.32
6.9
-0.44
1.87
Small/Mid U.S. Equity
Calvert Variable Trust, Inc.
CVT Russell 2000 Small Cap Index Portfolio
Class F 1
Calvert Research and Management/ Ameritas Investment Partners, Inc.
0.60
12.23
5.62
9.08
Large U.S. Equity
Calvert Variable Trust, Inc.
CVT S&P 500 Index Portfolio 1,3
Calvert Research and Management/ Ameritas Investment Partners, Inc.
0.28%
17.50%
14.09%
14.47%














Small/Mid U.S. Equity
Calvert Variable Trust, Inc.
CVT S&P MidCap 400 Index Portfolio
Class F 1
Calvert Research and Management/ Ameritas Investment Partners, Inc.
0.53%
6.92%
8.55%
10.13%
International Equity
Columbia Funds Variable Insurance Trust
Acorn International Fund 1,5
Columbia Wanger Asset Management, LLC
1.09%
12.76%
-1.00%
4.31%
Small/Mid U.S. Equity
Deutsche DWS Variable Series II
DWS Small Mid Cap Value VIP
Class B
DWS Investment Management Americas, Inc.
1.17%
17.85%
9.27%
7.18%
Large U.S. Equity
Fidelity® Variable Insurance Products Trust I
Fidelity® VIP Equity-Income Portfolio SM
Service Class 2
Fidelity Management & Research Company, LLC/ FMR Investment Management (UK) Limited (FMR UK)
Fidelity Management & Research (Hong Kong) Limited (FMR H.K.)
Fidelity Management & Research (Japan) Limited (FMR Japan)
0.71%

18.75%
12.23%
11.23%














Fixed Income
Fidelity® Variable Insurance Products Trust I
Fidelity® VIP High Income Portfolio
Service Class 2
Fidelity Management & Research Company, LLC/ FMR Investment Management (UK) Limited (FMR UK)
Fidelity Management & Research (Hong Kong) Limited (FMR H.K.)
Fidelity Management & Research (Japan) Limited (FMR Japan)
0.96%
10.36%
4.22%
5.59%
Large U.S. Equity
Fidelity® Variable Insurance Products Trust II
Fidelity® VIP Contrafund SM Portfolio
Service Class 2
Fidelity Management & Research Company, LLC/ FMR Investment Management (UK) Limited (FMR UK)
Fidelity Management & Research (Hong Kong) Limited (FMR H.K.)
Fidelity Management & Research (Japan) Limited (FMR Japan)
0.79%


21.24%
15.08%
15.49%
Small/Mid U.S. Equity
Fidelity® Variable Insurance Products Trust II
Fidelity® VIP Extended Market Index Portfolio
Service Class 2
Fidelity Management & Research Company, LLC/ Geode
0.37%
12.03%
7.75%















International Equity
Fidelity® Variable Insurance Products Trust II
Fidelity® VIP International Index Portfolio
Service Class 2
Fidelity Management & Research Company, LLC/ Geode
0.41%
32.82%
7.76%
6.79%
Asset Allocation
Fidelity® Variable Insurance Products Trust II
Fidelity® VIP Total Market Index Portfolio
Service Class 2
Fidelity Management & Research Company, LLC/ Geode
0.36%
16.86%
12.86%

Small/Mid U.S. Equity
Fidelity® Variable Insurance Products Trust III
Fidelity® VIP Mid Cap Portfolio
Service Class 2
Fidelity Management & Research Company, LLC/ FMR Investment Management (UK) Limited (FMR UK)
Fidelity Management & Research (Hong Kong) Limited (FMR H.K.)
Fidelity Management & Research (Japan) Limited (FMR Japan)
0.80%
11.49%
9.83%
10.31%














Other - Equity Energy
Fidelity® Variable Insurance Products Trust IV
Fidelity® VIP Energy Portfolio
Service Class 2 4
Fidelity Management & Research Company, LLC/ FMR Investment Management (UK) Limited (FMR UK)
Fidelity Management & Research (Hong Kong) Limited (FMR H.K.)
Fidelity Management & Research (Japan) Limited (FMR Japan)
0.85%
10.34%
23.86%
7.69%
Money Market
Fidelity® Variable Insurance Products Trust V
Fidelity® VIP Government Money Market Portfolio
Service Class
Fidelity Management & Research Company, LLC/ FMR Investment Management (UK) Limited (FMR UK)
Fidelity Management & Research (Hong Kong) Limited (FMR H.K.)
Fidelity Management & Research (Japan) Limited (FMR Japan)
0.35%
4.03%
3.02%
1.95%
International Equity
Franklin Templeton Variable Insurance Products Trust
Franklin Mutual Global Discovery VIP Fund
Class 2
Franklin Mutual Advisers, LLC
1.16%
23.34%
12.00%
8.52%














Large U.S. Equity
Franklin Templeton Variable Insurance Products Trust
Franklin Rising Dividends VIP Fund
Class 2
Franklin Advisers, Inc.
0.89%
11.80%
9.50%
12.10%
Small/Mid U.S. Equity
Franklin Templeton Variable Insurance Products Trust
Franklin Small Cap Value VIP Fund
Class 2 1
Franklin Mutual Advisers, LLC
0.91%
7.65%
8.86%
9.81%
Fixed Income
Franklin Templeton Variable Insurance Products Trust
Templeton Global Bond VIP Fund
Class 2 1
Templeton Asset Management, Ltd.
0.75%
15.73%
-0.96%
-0.15%
Large U.S. Equity
Invesco Variable Insurance Funds
Invesco V.I. American Franchise Fund
Series II
Invesco Advisers, Inc.
1.1%
11.39%
10.08%
14.58%
Small/Mid U.S. Equity
Invesco Variable Insurance Funds
Invesco V.I. American Value Fund
Series I
Invesco Advisers, Inc.
0.89%
21.00%
17.85%
12.29%
Large U.S. Equity
Invesco Variable Insurance Funds
Invesco V.I. Core Equity Fund
Series II
Invesco Advisers, Inc.
1.05%
15.88%
12.52%
11.46%
Other - Health
Invesco Variable Insurance Funds
Invesco V.I. Health Care Fund
Series I
Invesco Advisers, Inc.
0.99%
15.33%
3.80%
6.58%
Small/Mid U.S. Equity
Invesco Variable Insurance Funds
Invesco V.I. Main Street Mid Cap Fund
Series II
Invesco Advisers, Inc.
1.19%
8.96%
8.83%
9.08%
Small/Mid U.S. Equity
Invesco Variable Insurance Funds
Invesco V.I. Main Street Small Cap Fund®
Series II
Invesco Advisers, Inc.
1.09%
8.44%
8.07%
10.31%
International Equity
Janus Aspen Series Trust
Janus Henderson Global Sustainable Equity Portfolio
Service Shares 1
Janus Henderson Investors US LLC
0.99%
17.26%


Small/Mid U.S. Equity
Janus Aspen Series Trust
Janus Henderson Enterprise Portfolio
Service Shares
Janus Henderson Investors US LLC
0.97%
7.41%
7.35%
12.51%
Large U.S. Equity
Janus Aspen Series Trust
Janus Henderson Forty Portfolio
Service Shares
Janus Henderson Investors US LLC
0.87%
17.86%
11.37%
15.96%














Other - Technology
Janus Aspen Series Trust
Janus Henderson Global Technology and Innovation Portfolio
Service Shares
Janus Henderson Investors US LLC
0.97%
24.84%
13.44%
21.18%
Small/Mid U.S. Equity
Legg Mason Partners Variable Income Trust
ClearBridge Variable Mid Cap Portfolio
Class I
Franklin Templeton Fund Adviser, LLC/ ClearBridge Investments, LLC
0.82%
4.35%
4.50%
7.50%
Small/Mid U.S. Equity
Lincoln Variable Insurance Products Trust
LVIP American Century Capital Appreciation Fund
Service Class
Lincoln Financial Investments Corporation/ American Century Investment Management, Inc.
0.62%
6.56%
5.02%
11.31%
Large U.S. Equity
Lincoln Variable Insurance Products Trust
LVIP Avantis Large Cap Value Fund
Service Class 8
Lincoln Financial Investments Corporation/ American Century Investment Management, Inc.
0.96%
14.56
8.51%
10.12%
Inflation - Protected Bond
Lincoln Variable Insurance Products Trust
LVIP American Century Inflation Protection Fund
Service Class
Lincoln Financial Investments Corporation/ American Century Investment Management, Inc.
0.72%
6.33%
0.62%
2.61%














Small/Mid U.S. Equity
Lincoln Variable Insurance Products Trust
LVIP American Century Mid Cap Value Fund
Service Class
Lincoln Financial Investments Corporation/ American Century Investment Management, Inc.
1.01%
8.83%
8.72%
8.96%
Large U.S. Equity
Lincoln Variable Insurance Products Trust
LVIP American Century Value Fund
Service Class
Lincoln Financial Investments Corporation/ American Century Investment Management, Inc.
0.86%
15.85%
11.47%
10.07%
Small/Mid U.S. Equity
Lord Abbett Series Fund, Inc.
Developing Growth Portfolio
Class VC 1
Lord Abbett
1.27
14.59
-1.17
11.03
Small/Mid U.S. Equity
MFS® Variable Insurance Trust
MFS® New Discovery Series
Service Class 1
Massachusetts Financial Services Company
1.12%
12.56%
-0.54%
10.46%
Other - Utilities
MFS® Variable Insurance Trust
MFS® Utilities Series
Service Class 1
Massachusetts Financial Services Company
1.03%
14.76%
7.38%
9.22%
Small/Mid U.S. Equity
MFS® Variable Insurance Trust III
MFS® Blended Research Small Cap Equity Portfolio
Service Class 1
Massachusetts Financial Services Company
0.83%
5.49%
6.62%
8.82%
Small/Mid U.S. Equity
MFS® Variable Insurance Trust III
MFS® Mid Cap Value Portfolio
Service Class 1
Massachusetts Financial Services Company
1.04%
5.75%
9.90%
9.96%
Small/Mid U.S. Equity
MFS® Variable Insurance Trust III
MFS® New Discovery Value Portfolio
Service Class 1
Massachusetts Financial Services Company
1.13%
2.88%
8.22%
10.30%














Large U.S. Equity
Neuberger Berman Advisers Management Trust
Quality Equity Portfolio
Class I 6
Neuberger Berman Investment Advisers, LLC
0.87%
    
13.74%
12.83%
12.94%
Small/Mid U.S. Equity
Nomura Funds
Ivy Variable Insurance Portfolios/Nomura VIP Small Cap Value Series
Service Class 1,7
Delaware Management Company, a series of Nomura Investment Management Business Trust
1.04%
7.83%
8.93%
8.84%
Asset Allocation
Northern Lights Variable Trust
TOPS TM Managed Risk Balanced ETF Portfolio
Class 2
Valmark Advisers, Inc./ Milliman Financial Risk Management, LLC
0.76
9.03
3.83
4.92
Asset Allocation
Northern Lights Variable Trust
TOPS TM Managed Risk Moderately Aggressive ETF Portfolio
Class 2 9
Valmark Advisers, Inc./ Milliman Financial Risk Management, LLC
0.75%
11.65%
5.36%
6.13%
Asset Allocation
Northern Lights Variable Trust
TOPS TM Managed Risk Moderate ETF Portfolio
Class 2 10
Valmark Advisers, Inc./ Milliman Financial Risk Management, LLC
0.75%
10.36%
4.74%
5.72%
Fixed Income
Principal Variable Contract Funds, Inc. PVC – Core Plus Bond Account
Class 1
Principal Global Investors, LLC
0.50%
7.46%
-0.48%
2.36%
International Equity
Principal Variable Contract Funds, Inc. PVC – Diversified International Account
Class 1
Principal Global Investors, LLC
0.86%
32.36%
7.40%
8.08%
Large U.S. Equity
Principal Variable Contract Funds, Inc. PVC – Equity Income Account
Class 1
Principal Global Investors, LLC
0.48%
15.50%
10.21%
11.51%
International Equity
Principal Variable Contract Funds, Inc. PVC – Global Emerging Markets Account
Class 1
Principal Global Investors, LLC
1.12%
37.27%
5.06%
8.12%














Fixed Income
Principal Variable Contract Funds, Inc. PVC – Government & High-Quality Bond Account
Class 1
Principal Global Investors, LLC
0.50%
7.91%
-0.23%
1.26%
Large U.S. Equity
Principal Variable Contract Funds, Inc. PVC – Large Cap Growth Account I
Class 1 1
Principal Global Investors, LLC/
Los Angeles Capital Management, LLC T. Rowe Price Associates, Inc. Westfield Capital Management Company, L.P.
0.67%
11.39%
9.44%
15.00%
Large U.S. Equity
Principal Variable Contract Funds, Inc. PVC – Large Cap S&P 500 Index Account
Class 1
Principal Global Investors, LLC
0.20%
17.62%
14.14%
14.52%
Small/Mid U.S. Equity
Principal Variable Contract Funds, Inc. PVC – MidCap Account
Class 1
Principal Global Investors, LLC
0.53%
1.78%
8.33%
12.58%
Large U.S. Equity
Principal Variable Contract Funds, Inc. PVC – Principal Capital Appreciation Account
Class 1
Principal Global Investors, LLC
0.63%
13.52%
13.82%
14.35%
Asset Allocation
Principal Variable Contract Funds, Inc. PVC – Principal LifeTime 2020 Account
Class 1
Principal Global Investors, LLC
0.47%
11.33%
4.65%
6.77%
Asset Allocation
Principal Variable Contract Funds, Inc. PVC – Principal LifeTime 2030 Account
Class 1
Principal Global Investors, LLC
0.50%
13.21%
5.91%
8.07%
Asset Allocation
Principal Variable Contract Funds, Inc. PVC – Principal LifeTime 2040 Account
Class 1
Principal Global Investors, LLC
0.54%
15.57%
7.56%
9.35%
Asset Allocation
Principal Variable Contract Funds, Inc. PVC – Principal LifeTime 2050 Account
Class 1
Principal Global Investors, LLC
0.58%
17.50%
8.77%
10.22%
Asset Allocation
Principal Variable Contract Funds, Inc. PVC – Principal LifeTime 2060 Account
Class 1
Principal Global Investors, LLC
0.61%
17.68%
8.97%
10.35%














Asset Allocation
Principal Variable Contract Funds, Inc. PVC – Principal LifeTime Strategic Income Account
Class 1
Principal Global Investors, LLC
0.48%
10.45%
3.48%
4.98%
Small/Mid U.S. Equity
Principal Variable Contract Funds, Inc. PVC – Real Estate Securities Account
Class 1
Principal Global Investors, LLC/ Principal Real Estate Investors, LLC
1.03%
0.92%
4.61%
5.67%
Short - Term Fixed Income
Principal Variable Contract Funds, Inc. PVC – Short-Term Income Account
Class 1
Principal Global Investors, LLC
0.42%
5.48%
2.33%
2.52%
Small/Mid U.S. Equity
Principal Variable Contract Funds, Inc. PVC – SmallCap Account
Class 1
Principal Global Investors, LLC
0.84%
15.10%
6.29%
9.57%
Asset Allocation
Principal Variable Contract Funds, Inc. PVC – Strategic Asset Management (SAM) – Balanced Portfolio
Class 1
Principal Global Investors, LLC
0.93%
13.65%
6.99%
8.01%
Asset Allocation
Principal Variable Contract Funds, Inc. PVC – Strategic Asset Management (SAM) – Conservative Balanced Portfolio
Class 1
Principal Global Investors, LLC
0.67%
11.69%
5.04%
6.39%
Asset Allocation
Principal Variable Contract Funds, Inc. PVC – Strategic Asset Management (SAM) – Conservative Growth Portfolio
Class 1
Principal Global Investors, LLC
0.72%
15.56%
9.00%
9.94%
Asset Allocation
Principal Variable Contract Funds, Inc. PVC – Strategic Asset Management (SAM) – Flexible Income Portfolio
Class 1
Principal Global Investors, LLC
0.64%
9.96%
3.57%
5.12%
Asset Allocation
Principal Variable Contract Funds, Inc. PVC – Strategic Asset Management (SAM) – Strategic Growth Portfolio
Class 1
Principal Global Investors, LLC
1.00%
16.61%
9.88%
10.69%
Large U.S. Equity
Putnam Variable Trust
Putnam VT Large Cap Growth Fund
Class IB
Putnam Management, LLC (d/b/a Putnam Management)/ Franklin Advisers, Inc.
0.79%
20.35%
15.38%
13.30%














Small/Mid U.S. Equity
Putnam Variable Trust
Putnam VT Small Cap Growth Fund
Class IB
Putnam Management, LLC (d/b/a Putnam Management)/ Franklin Advisers, Inc.
1.12%
8.80%
6.18%
11.45%
Small/Mid U.S. Equity
Putnam Variable Trust
Putnam VT Small Cap Value Fund
Class IB
Putnam Management, LLC (d/b/a Putnam Management)/ Franklin Advisers, Inc.
1.02%
5.27%
10.99%
9.13%
Other - Natural Resources
VanEck Variable Insurance Products Trust
VanEck VIP Global Resources Fund
Class S
VanEck Associates Corporation
1.32%
36.17%
10.24%
8.06%

1. The Fund's current expenses are subject to a temporary expense reimbursement and/or fee waiver arrangement that is in place. This arrangement may be terminated in the future and, therefore, the expense figures shown reflect temporary fee reductions. Please refer to the Fund's prospectus for more information.
2. This Fund is not available to new investors after February 1, 2013.
3. This Fund is not available to new investors after April 25, 2014.
4. This Fund became available for investment on May 31, 2025.
5. Prior to June 2, 2025, the name of this fund was the Wanger Acorn International Fund.
6. Prior to July 28, 2025, the name of this fund was the AMT Sustainable Equity Portfolio.
7. Prior to December 1, 2025, the name of this fund was the Macquarie VIP Small Cap Value Series.
8. Prior to May 1, 2026, the name of this fund was the LVIP American Century Disciplined Core Value Fund.
9. Prior to May 1, 2026, the name of this fund was the TOPS ® Managed Risk Growth ETF Portfolio.
10. Prior to May 1, 2026, the name of this fund was the TOPS ® Managed Risk Moderate Growth ETF Portfolio.
11. Prior to May 1, 2026, the name of this fund was the American Funds Insurance Series International Fund.
























EDGAR Contract Identifier: C000057366













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