Form 497VPU TFLIC Pooled Account

April 28, 2026 5:27 PM EDT
SECURE PATH FOR LIFE
 
Issued through
 
Transamerica Life Insurance Company and Transamerica Financial Life Insurance Company
Separate Account VA FF and Pooled Account 44
 
Updating Summary Prospectus
 
May 1, 2026
 
This Updating Summary Prospectus describes certain key features of the SecurePath for Life Product, a flexible premium deferred annuity (the “Product” or the “Contract”). The Updating Summary Prospectus also provides a summary of Contract features that have changed.
This prospectus for the Contract contains more information about the Contract, including its features, benefits, and risks. You can find the prospectus and other information about the Contract online at www.transmerica.com.
You can also obtain this information at no cost by calling (866) 287-8388, or You can also request this information from your plan administrator.
Additional information about certain investment products, including variable annuities, has been prepared by the Securities and Exchange Commission’s staff and is available at www.investor.gov.
You do have the option of continuing to receive paper copies of all future shareholder reports free of charge. If You’d like this option, give us a call at (866) 287-8388.
Your election to receive reports in paper will apply to all Portfolio Companies available under Your Contract.
1
 
Contents
SPECIAL TERMS 2
SUMMARY OF CONTRACT FEATURES THAT HAVE CHANGED 2
IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT 3
APPENDIX-INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT 5
 
SPECIAL TERMS
 
Account Value: The total value of an Account, equal to the value of the investment in a Variable Investment Option. The Account Value will go up or down based on the performance of the Variable Investment Options.
Contract: The individual or group variable annuity Contracts offered by the Company as described in this prospectus.
Contractholder: The individual, employer, trust or association to which an annuity Contract has been issued.
Contributions: The amount contributed to the SecurePath for Life Product on behalf of a Participant. Contributions may include Participant Contributions, Plan sponsor Contributions, and transfers (including rebalancing transfers). Generally, subject to limits of the Code, the terms of the Contract, and, if applicable, the employer’s Plan, a Participant can make additional Contributions at any time during the Accumulation Period.
IRA: An Individual Retirement Account within the meaning of Section 408 or 408A of the Code. This Contract must be issued to a custodial Account established as an IRA.
Owner (You, Your): The person who may exercise all rights and privileges under the Contract.
Portfolio Company(ies): The investment Company(ies) made available as Investment Options under the Contract. Also referred to as underlying fund portfolios.
SecurePath Service Center: Participants should contact their retirement services provider at the following address and phone number:
Transamerica Retirement Solutions:  6400 C Street SW, Cedar Rapids, IA 52499 (866) 287-8388.
Subaccount: A Subdivision within the Separate Account, the assets of which are invested in a specified underlying fund portfolio.
Variable Investment Option: When a Participant makes Contributions to an Account, those Contributions are directed to a Variable Investment Option based upon the Participant’s birth year. Each Variable Investment Option holds shares of an Underlying Fund. These shares are held in the Pooled Account. The division of the Pooled Account that invests in a particular Underlying Fund may also be referred to as a subaccount of the Pooled Account.
 
SUMMARY OF CONTRACT FEATURES THAT HAVE CHANGED
 
The information in this Updating Summary Prospectus is a summary of certain contract features that have changed since the last current Prospectus. This may not reflect all of the changes that have occurred since You entered into Your Contract.
 
2
 
IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT
 
         
 
FEES AND EXPENSES
Location in
Prospectus
Are there Charges for Early Withdrawal?
There are no withdrawal fees, surrender fees, or redemption fees under the Contract.
N/A
Are there Transaction Charges?
There are no transaction charges under the Contract.
N/A
Are there Ongoing Fees and Expenses
(annual charges)?
Yes. The table below describes the fees and expenses that you may pay each year, depending on the options you choose.  Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected.
Annuity Contract Fee Table and Expense Examples
 
 
 
 
 
Annual Fee
Minimum
Maximum
Base Contract(1) 
1.45%
1.95%
Portfolio Company (fund fees and expenses) (3)
0.08%
0.54%
Optional Benefit Expenses
None
(1) As a percentage of average Account Value.
(2) Assessed annually.
(3) As a percentage of Portfolio Company assets.
This Contract is not customizable because the Guaranteed Income Benefit is not optional and the Variable Investment Option that your Account Value is allocated is determined by your birth date.  However, we have presented the following table to show you the lowest and highest cost you could pay each year based on current charges.
Lowest Annual Cost:
$1,557
Highest Annual Cost:
$2,521
Assumes:
  • Investment of $100,000
  • 5% annual appreciation
  • Least expensive Portfolio Company fees and expenses
  • No optional benefits
  • No sales charges
  • No additional Contributions, transfers, or withdrawals
Assumes:
  • Investment of $100,000
  • 5% annual appreciation
  • Most expensive combination of optional benefits and Portfolio Company fees and expenses
  • No optional benefits
  • No sales charges
  • No additional Contributions, transfers, or withdrawals
 
RISKS
Location in
Prospectus
Is There a Risk of Loss From Poor Performance?
Yes. You can lose money by investing in this Contract, including loss of principal.
Principal Risks of Investing in the Contract
Is this a Short-Term Investment?
No. This Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash.
The Contract is designed and offered as funding vehicles for retirement Plans maintained by state educational organizations, certain tax-exempt organizations, IRA Contractholders, and taxed organizations in the case of the Section 401(a) and/or Section 401(k) Contracts and corporate nonqualified deferred compensation Contracts.
The benefits of tax deferral, long-term income, and a guaranteed lifetime withdrawal benefit are generally more beneficial to investors with a long-term investment horizon.
 
Principal Risks Of Investing In The Contract
 
Tax Information
3
 
What are the Risks Associated with Investment Options?
An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the subaccount that are invested. Each subaccount has its own unique risks. You should review the subaccount that you will be invested before making an investment decision.
Are there Risks Related to the Insurance Company?
Yes. An investment in the Contract is subject to the risks related to Company. Any obligations, guarantees, and benefits under the Contract are subject to our claims-paying ability. More information about the Company, including our financial strength ratings, is available by visiting www.trsretire.com or calling toll-free (866) 287-8388.
Principal Risks Of Investing In The Contract
 
RESTRICTIONS
Location in
Prospectus
Are There Restrictions on the Investment Options?
Yes. You will be assigned to a Variable Investment Option and will not be permitted to transfer your Account Value between Variable Investment Options available under the Contract. We reserve the right to remove or substitute the Portfolio Companies/Investment Options that are available as Investment Options under the Contract.
Rights Reserved by the Company
Are There Optional Benefits Available?
There are no optional benefits available under the Contract.
N/A
 
TAXES
Location in
Prospectus
What Are the Contract’s Tax Implications?
You should consult with a tax professional to determine the tax implications of an investment in and payments received under the Contract. If you purchased the Contract through a tax-qualified Plan or individual retirement Account (IRA), you do not get any additional tax deferral. Earnings on your Contract are taxed at ordinary income tax rates when you withdraw them, and you may have to pay a penalty if you take a withdrawal before age 59½.
Tax Information
 
CONFLICT OF INTEREST
Location in
Prospectus
How Are Investment Professionals Compensated?
Some investment professionals may receive compensation for selling the Contract to investors in the form of commissions and other incentives.  This conflict of interest may influence your investment professional to recommend the Contract over another investment.
Distribution of the Contracts
Should I Exchange My Contract?
Some investment professionals may have a financial incentive to offer you a new Contract in place of the one you already own.  You should only exchange your Contract if you determine, after comparing the features, fees, and risks of both contracts, that it is preferable for you to purchase the new Contract rather than continue to own your existing Contract.
Tax Information
4
 
APPENDIX-INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT
 
The following is a list of current Portfolio Companies available under the Contract which are subject to change as discussed in this prospectus. Depending on the separate Account of Your Contract, You may not be able to invest in certain portfolio companies
Certain Subaccounts may not be available in all states, at all times or through all financial intermediaries. We may discontinue offering any Subaccount at any time. In some cases, a Subaccount not available through a financial intermediary may be obtained by contacting us directly. For more information on the options available for electing a Subaccount, please contact Your financial intermediary or our Administrative Office.
 
More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at trsretire.com. You can also request this information at no cost by calling our Administrative Office at (866) 287-8388.
 
The current expenses and performance below reflects fee and expenses of the Portfolio Companies, 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 Portfolio Company’s past performance is not necessarily an indication of future performance.
 
Investment Objective
Portfolio Company
And Adviser/Subadviser(1)
Current Expenses
Average Annual Total Returns (as of 12/31/2025)
1 Year
5 Years
10 Years
Seeks to provide current income and some capital appreciation by investing in Vanguard index funds.
Vanguard Target Retirement Income Fund
Advisor: The Vanguard Group, Inc.
0.08%
11.31%
3.82%
5.33%
Seeks to provide capital appreciation and current income consistent with its current asset allocation
Vanguard Target Retirement 2020 Fund(4)
Advisor: The Vanguard Group, Inc
0.08%
12.15%
4.77%
6.87%
Vanguard Target Retirement 2025 Fund
Advisor: The Vanguard Group, Inc
0.08%
14.60%
5.90%
7.87%
Vanguard Target Retirement 2030 Fund
Advisor: The Vanguard Group, Inc.
0.08%
16.24%
6.83%
8.66%
Vanguard Target Retirement 2035Fund
Advisor: The Vanguard Group, Inc
0.08%
17.54%
7.71%
9.40%
Vanguard Target Retirement 2040 Fund
Advisor: The Vanguard Group, Inc
0.08%
18.76%
8.57%
10.13%
Vanguard Target Retirement 2045 Fund
Advisor: The Vanguard Group, Inc
0.08%
19.99%
9.41%
10.74%
Vanguard Target Retirement 2050 Fund
Advisor: The Vanguard Group, Inc
0.08%
21.41%
9.95%
11.02%
Seeks to provide capital appreciation and current income consistent with its current asset allocation
Transamerica BlackRock Government Money Market VP (2)(3) - Service Class
Advisor: BlackRock Investment Management, LLC
0.54%
3.81%
2.91%
1.72%
5
 
(1) Some Variable Investment Options may be available for certain Contracts and may not be available for all Contracts.
(2) There can be no assurance that the Money Market Fund offered under this Contract will be able to maintain a stable net asset value per share.
(3) This portfolio is subject to an expense reimbursement or fee waiver arrangement. As a result, this portfolio’s annual expenses reflect temporary expense reductions. See the portfolio prospectus for additional information.
(4) Not available for New York Contracts.
Note: There are no Portfolios that have been closed to new investments or new investors.
 
6
 
The Prospectus and Statement of Additional Information (SAI) include additional information. The Prospectus and SAI which have the same effective date as this summary prospectus are incorporated by reference as amended or supplemented. The Prospectus and SAI are available without charge upon request. For a free copy call us at (866) 287-8388or write us at:
 
Transamerica Retirement Solutions
6400 C Street SW
Cedar Rapids, IA  52499
(866) 287-8388
 
 
Reports and other information about the Separate Account are available on the SEC’s website www.sec.gov,and copies of this information may be obtained, upon payments of a duplicating fee, by electronic request at the following email address: [email protected].
 
 
 
 
 
 
EDGAR Contract Identifier No.is #C000085420 for TLIC and for #C000085422 TFLIC
 

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