Form 497VPU VARIABLE ANNUITY LIFE

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November 2, 2026 6:05 AM EST

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SUPPLEMENT DATED OCTOBER 30, 2026

TO THE PROSPECTUSES AND SUMMARY

PROSPECTUSES, EACH DATED May 1, 2026

THE VARIABLE ANNUITY LIFE INSURANCE COMPANY

SEPARATE ACCOUNT A

Fixed and Variable Deferred Annuity Contracts

Portfolio Director^®

Series 1.00 to 12.00

This supplement updates certain information in Appendix A—Investment Options Available Under the Contract (“Appendix A”) for the above referenced prospectuses, updating summary prospectuses, and if applicable, initial summary prospectuses (collectively, the “Prospectus”). Except as indicated in this supplement, all other information included in the Prospectus and Appendix A, including the footnotes, remains unchanged. You should read this supplement in conjunction with your Prospectus and retain it for future reference. All capitalized terms used but not defined herein have the same meaning as those included in the Prospectus.

In the “Key Information: Important Information You Should Consider About the Contract” section, the following changes are made:

•

In the “Ongoing Fees and Expenses (annual charges)” section of the “FEES AND EXPENSES” table, the minimum fee for Investment Options is 0.19% and the Lowest Annual Cost is $1,213.

•

In the “Ongoing Fees and Expenses (annual charges)” section of the “FEES AND EXPENSES” table, the maximum fee for Investment Options is 1.15% and the Highest Annual Cost is $5,258.

In the “Fee Tables” section in the prospectus and the “Additional Information About Fees” section in the initial summary prospectus, the following changes are made:

•

In the “Annual Fund Expenses” table, the minimum Annual Fund Expenses is 0.19%.

•

In the “Annual Fund Expenses” table, the maximum Annual Fund Expenses is 1.15%.

•

In the “Examples” section, the following replaces the fee examples applicable to your Contract.

The first set of examples assumes the most expensive combination of annual Contract expenses and annual Portfolio Company expenses and optional benefits available for an additional charge. Based on these assumptions, your costs would be:

(1) If you surrender your Contract at the end of the applicable time period:


Series 1 and 9
1 Year	3 Years	5 Years	10 Years
$9,746	$20,197	$30,593	$51,960
Series 2, 4, 5, 7, 8, and 10
1 Year	3 Years	5 Years	10 Years
$9,732	$20,157	$30,531	$51,849
Series 2, 6, 11, and 12
1 Year	3 Years	5 Years	10 Years
$5,243	$15,691	$26,087	$51,849

Page 1 of 35

(2) If you annuitize your Contract or you do not surrender your Contract:


Series 1 and 9
1 Year	3 Years	5 Years	10 Years
$5,258	$15,733	$26,152	$51,960
Series 3, 4, 5, 7, 8, and 10
1 Year	3 Years	5 Years	10 Years
$5,243	$15,691	$26,087	$51,849
Series 2, 6, 11, and 12
1 Year	3 Years	5 Years	10 Years
$5,243	$15,691	$26,087	$51,849

The second set of examples assumes the most expensive combination of annual Contract expenses and annual Portfolio Company expenses, with no optional benefits. Based on these assumptions, your costs would be:

(1) If you surrender your Contract at the end of the applicable time period:


Series 1 and 9
1 Year	3 Years	5 Years	10 Years
$6,823	$11,674	$16,623	$25,005
Series 3, 4, 5, 7, 8, and 10
1 Year	3 Years	5 Years	10 Years
$6,809	$11,633	$16,552	$24,873
Series 2, 6, 11, and 12
1 Year	3 Years	5 Years	10 Years
$2,181	$6,733	$11,552	$24,873

(2) If you annuitize your Contract or you do not surrender your Contract:


Series 1 and 9
1 Year	3 Years	5 Years	10 Years
$2,195	$6,776	$11,623	$25,005
Series 3, 4, 5, 7, 8, and 10
1 Year	3 Years	5 Years	10 Years
$2,181	$6,733	$11,552	$24,873
Series 2, 6, 11, and 12
1 Year	3 Years	5 Years	10 Years
$2,181	$6,733	$11,552	$24,873

Page 2 of 35

The third set of examples assumes the least expensive combination of annual Contract expenses and annual Portfolio Company expenses, with no optional benefits. Based on these assumptions, your costs would be:

(1) If you surrender your Contract at the end of the applicable time period:


Series 1 and 9
1 Year	3 Years	5 Years	10 Years
$5,898	$8,825	$11,625	$14,620
Series 3, 4, 5, 7, 8, and 10
1 Year	3 Years	5 Years	10 Years
$5,884	$8,781	$11,553	$14,480
Series 2, 6, 11, and 12
1 Year	3 Years	5 Years	10 Years
$1,213	$3,781	$6,553	$14,480

(2) If you annuitize your Contract or you do not surrender your Contract:


Series 1 and 9
1 Year	3 Years	5 Years	10 Years
$1,228	$3,825	$6,625	$14,620
Series 3, 4, 5, 7, 8, and 10
1 Year	3 Years	5 Years	10 Years
$1,213	$3,781	$6,553	$14,480
Series 2, 6, 11, and 12
1 Year	3 Years	5 Years	10 Years
$1,213	$3,781	$6,553	$14,480

Effective immediately, the following Portfolio Companies are hereby available as investment options under the Contract:

•

T. Rowe Price Retirement 2065 Fund - Advisor Class

•

T. Rowe Price Retirement 2070 Fund - Advisor Class

The following table replaces the current table in its entirety in Appendix A:

Current

Expenses

Average Annual Total Returns
(as of Dec. 31, 2025)

Type/ Investment

Objective

Portfolio Company and Adviser/Subadviser(s)¹

Current
Expenses

Platform
Charge⁶

Platform

Charge

1 Year

5 Year

10 Year
(or life

of fund)

Domestic

Large-Cap

Equity

American Beacon Man Large Cap
Growth Fund^{3, 5} – Investor Class
Adviser: American Beacon Advisors, Inc.
Sub-Adviser: Numeric Investors LLC

1.12%

None

1.12%

15.86%

11.19%

13.94%

Capital Appreciation Fund²
Adviser: VALIC
Sub-Adviser: Columbia Management Investment Advisers, LLC

0.68%

None

0.68%

14.19%

14.69%

15.33%

Page 3 of 35


				Current Expenses	Average Annual Total Returns (as of Dec. 31, 2025)
Type/ Investment Objective	Portfolio Company and Adviser/Subadviser(s)¹	Current Expenses	Platform Charge⁶	+ Platform Charge	1 Year	5 Year	10 Year (or life of fund)
	Dividend Value Fund^2, 5 Adviser: VALIC Sub-Advisers: BlackRock Investment Management, LLC and ClearBridge Investments, LLC	0.67%	None	0.67%	18.21%	11.55%	10.40%
	Growth Fund^{2, 5} Adviser: VALIC Sub-Advisers: BlackRock	0.61%	None	0.61%	14.57%	11.57%	15.67%
	Large Cap Core Fund² Adviser: VALIC Sub-Adviser: T. Rowe Price and JPMIM	0.68%	None	0.68%	9.81%	10.02%	14.27%
	Nasdaq-100^® Index Fund^{2, 5} Adviser: VALIC Sub-Adviser: BlackRock	0.42%	None	0.42%	20.42%	14.73%	19.06%
	Stock Index Fund^{2, 5}Adviser: VALIC Sub-Adviser: BlackRock	0.22%	None	0.22%	17.55%	14.08%	14.46%
	Systematic Core Fund^{2, 5} Adviser: VALIC Sub-Adviser: GSAM	0.63%	None	0.63%	14.77%	12.45%	13.89%
	Systematic Growth Fund^{2, 5} Adviser: VALIC Sub-Advisers: GSAM and Wellington Management Company LLP	0.64%	None	0.64%	17.66%	10.29%	14.83%
	Systematic Value Fund^{2, 5}Adviser: VALIC Sub-Adviser: Wellington Management	0.64%	None	0.64%	17.41%	13.25%	10.31%
	U.S. Socially Responsible Fund² Adviser: VALIC Sub-Adviser: BlackRock	0.36%	None	0.36%	14.73%	11.77%	12.91%
	Vanguard Windsor II Fund³ – Investor Advisers: Aristotle Capital Management, LLC; Hotchkis and Wiley Capital Management, LLC; Lazard Asset Management LLC; and Sanders Capital, LLC	0.33%	0.25%	0.58%	18.56%	12.89%	12.61%
Domestic Mid- Cap Equity	Ariel Appreciation Fund³ – Investor Class Adviser: Ariel Investments, LLC	1.15%	None	1.15%	11.11%	7.57%	7.95%
	Mid Cap Strategic Growth Fund² Adviser: VALIC Sub-Advisers: Janus Henderson Investors US LLC and Voya Investment Management Co. LLC	0.73%	None	0.73%	11.34%	7.88%	13.56%
	Mid Cap Value Fund² Adviser: VALIC Sub-Advisers: Boston Partners Global Investors, Inc. d/b/a Boston Partners and Wellington Management	0.81%	None	0.81%	7.23%	10.19%	9.29%
	Mid Cap Index Fund² Adviser: VALIC Sub-Adviser: BlackRock	0.36%	None	0.36%	6.95%	8.68%	10.34%

Page 4 of 35


				Current Expenses	Average Annual Total Returns (as of Dec. 31, 2025)
Type/ Investment Objective	Portfolio Company and Adviser/Subadviser(s)¹	Current Expenses	Platform Charge⁶	+ Platform Charge	1 Year	5 Year	10 Year (or life of fund)
Domestic Small-Cap Equity	Ariel Fund³ – Investor Class Adviser: Ariel	1.01%	None	1.01%	14.15%	9.36%	9.51%
	Small Cap Core Fund² Adviser: VALIC Sub-Adviser: Invesco Advisers, Inc.	0.83%	None	0.83%	-3.03%	6.57%	8.39%
	Small Cap Growth Fund^{2, 5}Adviser: VALIC Sub-Advisers: American Century Investment Management, Inc. and T. Rowe Price Associates, Inc. and T. Rowe Price Investment Management, Inc.	0.88%	None	0.88%	9.20%	-2.35%	11.01%
	Small Cap Index Fund^{2, 5}Adviser: VALIC Sub-Adviser: BlackRock	0.36%	None	0.36%	12.23%	5.69%	9.27%
	Small Cap Value Fund^{2, 5}Adviser: VALIC Sub-Adviser: JPMIM	0.85%	None	0.85%	12.16%	9.55%	8.54%
Global Equity (International and Domestic)	Global Strategy Fund^{2, 5}Adviser: VALIC Sub-Advisers: Franklin Advisers, Inc. and Brandywine Global Investment Management LLC	0.63%	None	0.63%	20.73%	7.18%	5.85%
Global Equity (International and Domestic)	International Socially Responsible Fund^{2, 5}Adviser: VALIC Sub-Adviser: BlackRock	0.57%	None	0.57%	27.32%	7.80%	9.10%
International Equity	Emerging Economies Fund² Adviser: VALIC Sub-Adviser: BlackRock	0.99%	None	0.99%	30.11%	4.19%	8.04%
	International Equities Index Fund^{2, 5}Adviser: VALIC Sub-Adviser: BlackRock	0.39%	None	0.39%	30.81%	8.47%	7.82%
	International Growth Fund^{2, 5} Adviser: VALIC Sub-Advisers: MSIM Inc.	0.82%	None	0.82%	16.07%	1.86%	8.33%
	International Opportunities Fund^{2, 5} Adviser: VALIC Sub-Advisers: Invesco and Wellington Management	1.05%	None	1.05%	27.46%	2.74%	6.76%
	International Value Fund^{2, 5}Adviser: VALIC Sub-Advisers: GSAM and Columbia Management Investment Advisers, LLC	0.78%	None	0.78%	39.97%	10.60%	8.10%
Specialty	Global Real Estate Fund² Adviser: VALIC Sub-Advisers: Duff & Phelps Investment Management Co.	0.88%	None	0.88%	7.70%	1.77%	3.39%

Page 5 of 35


				Current Expenses	Average Annual Total Returns (as of Dec. 31, 2025)
Type/ Investment Objective	Portfolio Company and Adviser/Subadviser(s)¹	Current Expenses	Platform Charge⁶	+ Platform Charge	1 Year	5 Year	10 Year (or life of fund)
	Invesco Balanced-Risk Commodity Strategy Fund^{3, 5} – Class R5 Adviser: Invesco Advisers, Inc.	1.05%	None	1.05%	18.94%	9.41%	6.23%
	Science & Technology Fund^{2, 5} Adviser: VALIC Sub-Advisers: Voya IM and BlackRock	0.91%	None	0.91%	22.57%	11.59%	18.92%
Hybrid (Equity and Fixed Income)	Aggressive Allocation Lifestyle Fund^{2, 5} Adviser: VALIC Sub-Adviser: JPMIM	0.56%	None	0.56%	16.94%	8.73%	9.38%
	Asset Allocation Fund^{2, 5} Adviser: VALIC Sub-Adviser: JPMIM	0.66%	None	0.66%	11.50%	8.17%	7.75%
	Conservative Allocation Lifestyle Fund^{2, 5} Adviser: VALIC Sub-Adviser: JPMIM	0.60%	None	0.60%	11.79%	4.34%	5.85%
	Dynamic Allocation Fund^{2, 5} Adviser: VALIC Sub-Advisers: AllianceBernstein L.P.	0.75%	None	0.75%	11.33%	5.60%	7.49%
	Moderate Allocation Lifestyle Fund^{2, 5} Adviser: VALIC Sub-Adviser: JPMIM	0.57%	None	0.57%	14.40%	7.01%	8.10%
	T. Rowe Price Retirement 2015 Fund³ – Advisor Class Adviser: T. Rowe Price	0.74%	None	0.74%	11.83%	5.05%	6.89%
	T. Rowe Price Retirement 2020 Fund³ – Advisor Class Adviser: T. Rowe Price	0.76%	None	0.76%	12.23%	5.34%	7.42%
	T. Rowe Price Retirement 2025 Fund³ – Advisor Class Adviser: T. Rowe Price	0.78%	None	0.78%	12.71%	5.76%	8.03%
	T. Rowe Price Retirement 2030 Fund³ – Advisor Class Adviser: T. Rowe Price	0.80%	None	0.80%	14.10%	6.51%	8.77%
	T. Rowe Price Retirement 2035 Fund3 – Advisor Class Adviser: T. Rowe Price	0.83%	None	0.83%	15.84%	7.42%	9.50%
	T. Rowe Price Retirement 2040 Fund³ – Advisor Class Adviser: T. Rowe Price	0.84%	None	0.84%	17.16%	8.17%	10.12%
	T. Rowe Price Retirement 2045 Fund³ – Advisor Class Adviser: T. Rowe Price	0.85%	None	0.85%	18.23%	8.77%	10.55%
	T. Rowe Price Retirement 2050 Fund³ – Advisor Class Adviser: T. Rowe Price	0.87%	None	0.87%	18.53%	8.95%	10.63%
	T. Rowe Price Retirement 2055 Fund³ – Advisor Class Adviser: T. Rowe Price	0.88%	None	0.88%	18.70%	8.97%	10.63%

Page 6 of 35


				Current Expenses	Average Annual Total Returns (as of Dec. 31, 2025)
Type/ Investment Objective	Portfolio Company and Adviser/Subadviser(s)¹	Current Expenses	Platform Charge⁶	+ Platform Charge	1 Year	5 Year	10 Year (or life of fund)
	T. Rowe Price Retirement 2060 Fund³ – Advisor Class Adviser: T. Rowe Price	0.89%	None	0.89%	18.63%	8.96%	10.62%
	T. Rowe Price Retirement 2065 Fund3 – Advisor Class Adviser: T. Rowe Price	0.89%	None	0.89%	18.61%	9.11%	10.90%
	T. Rowe Price Retirement 2070 Fund³ – Advisor Class Adviser: T. Rowe Price	0.89%	None	0.89%	21.26%	N/A	22.55%*
	Vanguard LifeStrategy 40/60 Fund^{3, 4} – Investor Shares Adviser: The Vanguard Group, Inc.	0.10%	0.25%	0.35%	12.86%	4.24%	6.12%
	Vanguard LifeStrategy 80/20 Fund^{3, 4} – Investor Shares Adviser: Vanguard	0.10%	0.25%	0.35%	19.63%	8.76%	10.03%
	Vanguard LifeStrategy 60/40 Fund^{3, 4} – Investor Shares Adviser: Vanguard	0.10%	0.25%	0.35%	16.24%	6.49%	8.09%
	Vanguard Wellington Fund³ – Investor Shares Adviser: Wellington Management	0.25%	0.25%	0.50%	16.48%	9.28%	10.02%
Fixed Income	Core Bond Fund² Adviser: VALIC Sub-Advisers: PineBridge Investments LLC and JPMIM	0.48%	None	0.48%	7.64%	-0.16%	2.36%
	Goldman Sachs VIT Government Money Market Fund⁵ – Institutional Shares Adviser: Goldman Sachs	0.18%	None	0.18%	4.20%	3.18%	2.11%
	Government Securities Fund₂ Adviser: VALIC Sub-Adviser: JPMIM	0.56%	None	0.56%	6.66%	-0.49%	1.41%
	High Yield Bond Fund^{2, 5} Adviser: VALIC Sub-Adviser: Wellington Management Company LLP.	0.68%	None	0.68%	9.37%	4.20%	5.92%
	Inflation Protected Fund^{2, 5} Adviser: VALIC Sub-Adviser: Wellington Management	0.53%	None	0.53%	6.00%	1.06%	2.86%
	International Government Bond Fund² Adviser: VALIC Sub-Adviser: PineBridge Investments LLC.	0.77%	None	0.77%	9.15%	-2.01%	1.64%
	Vanguard Long-Term Investment-Grade Fund³ – Investor Shares Advisers: Wellington Management and Vanguard	0.21%	None	0.21%	7.18%	-3.74%	2.68%
	Vanguard Long-Term Treasury Fund³ – Investor Shares Adviser: Vanguard	0.20%	None	0.20%	5.54%	-7.30%	-0.04%

Page 7 of 35

SUPPLEMENT DATED OCTOBER 30, 2026

TO THE PROSPECTUSES AND SUMMARY

PROSPECTUSES, EACH DATED May 1, 2026

THE VARIABLE ANNUITY LIFE INSURANCE COMPANY

SEPARATE ACCOUNT A

Fixed and Variable Deferred Annuity Contracts

Portfolio Director^®

Series 1.20 to 13.20

In the “Key Information: Important Information You Should Consider About the Contract” section, the following changes are made:

•

In the “Ongoing Fees and Expenses (annual charges)” section of the “FEES AND EXPENSES” table, the minimum fee for Investment Options is 0.19% and the Lowest Annual Cost is $1,010

•

In the “Ongoing Fees and Expenses (annual charges)” section of the “FEES AND EXPENSES” table, the maximum fee for Investment Options is 1.15% and the Highest Annual Cost is $5,063.

In the “Fee Tables” section in the prospectus and the “Additional Information About Fees” section in the initial summary prospectus, the following changes are made:

•

In the “Annual Fund Expenses” table, the minimum Annual Fund Expenses is 0.19%.

•

In the “Annual Fund Expenses” table, the maximum Annual Fund Expenses is 1.15%.

•

In the “Examples” section, the following replaces the fee examples applicable to your Contract.

(1) If you surrender your Contract at the end of the applicable time period:


Series 1 and 9
1 Year	3 Years	5 Years	10 Years
$9,560	$19,671	$29,769	$50,486
Series 3, 4, 5, 7, 8, and 10
1 Year	3 Years	5 Years	10 Years
$9,546	$19,632	$29,707	$50,374
Series 2, 6, 11, and 12
1 Year	3 Years	5 Years	10 Years
$5,049	$15,139	$25,218	$50,374

Page 8 of 35

(2) If you annuitize your Contract or you do not surrender your Contract:


Series 1 and 9
1 Year	3 Years	5 Years	10 Years
$5,063	$15,180	$25,284	$50,486
Series 3, 4, 5, 7, 8, and 10
1 Year	3 Years	5 Years	10 Years
$5,049	$15,139	$25,218	$50,374
Series 2, 6, 11, and 12
1 Year	3 Years	5 Years	10 Years
$5,049	$15,139	$25,218	$50,374

(1) If you surrender your Contract at the end of the applicable time period:


Series 1 and 9
1 Year	3 Years	5 Years	10 Years
$6,631	$11,095	$15,602	$22,930
Series 3, 4, 5, 7, 8, and 10
1 Year	3 Years	5 Years	10 Years
$6,617	$11,054	$15,531	$22,797
Series 2, 6, 11, and 12
1 Year	3 Years	5 Years	10 Years
$1,980	$6,125	$10,531	$22,797

(2) If you annuitize your Contract or you do not surrender your Contract:


Series 1 and 9
1 Year	3 Years	5 Years	10 Years
$1,995	$6,169	$10,602	$22,930
Series 3, 4, 5, 7, 8, and 10
1 Year	3 Years	5 Years	10 Years
$1,980	$6,125	$10,531	$22,797
Series 2, 6, 11, and 12
1 Year	3 Years	5 Years	10 Years
$1,980	$6,125	$10,531	$22,797

Page 9 of 35

(1) If you surrender your Contract at the end of the applicable time period:


Series 1 and 9
1 Year	3 Years	5 Years	10 Years
$5,705	$8,199	$10,553	$12,317
Series 3, 4, 5, 7, 8, and 10
1 Year	3 Years	5 Years	10 Years
$5,690	$8,155	$10,480	$12,175
Series 2, 6, 11, and 12
1 Year	3 Years	5 Years	10 Years
$1,010	$3,155	$5,480	$12,175

(2) If you annuitize your Contract or you do not surrender your Contract:


Series 1 and 9
1 Year	3 Years	5 Years	10 Years
$1,025	$3,199	$5,553	$12,317
Series 3, 4, 5, 7, 8, and 10
1 Year	3 Years	5 Years	10 Years
$1,010	$3,155	$5,480	$12,175
Series 2, 6, 11, and 12
1 Year	3 Years	5 Years	10 Years
$1,010	$3,155	$5,480	$12,175

Effective immediately, the following Portfolio Companies are hereby available as investment options under the Contract:

•

T. Rowe Price Retirement 2065 Fund - Advisor Class

•

T. Rowe Price Retirement 2070 Fund - Advisor Class

The following table replaces the current table in its entirety in Appendix A:

Current

Expenses

Average Annual Total Returns
(as of Dec. 31, 2025)

Type/ Investment

Objective

Portfolio Company and Adviser/Subadviser(s)¹

Current
Expenses

Platform
Charge⁶

Platform

Charge

1 Year

5 Year

10 Year
(or life

of fund)

Domestic
Large-Cap
Equity

American Beacon Man Large Cap
Growth Fund^{3, 5} – Investor Class
Adviser: American Beacon Advisors, Inc.
Sub-Adviser: Numeric Investors LLC

1.12%

None

1.12%

15.86%

11.19%

13.94%

Capital Appreciation Fund²
Adviser: VALIC
Sub-Adviser: Columbia Management Investment Advisers, LLC

0.68%

None

0.68%

14.19%

14.69%

15.33%

Page 10 of 35


				Current Expenses	Average Annual Total Returns (as of Dec. 31, 2025)
Type/ Investment Objective	Portfolio Company and Adviser/Subadviser(s)¹	Current Expenses	Platform Charge⁶	+ Platform Charge	1 Year	5 Year	10 Year (or life of fund)
	Dividend Value Fund^{2, 5}Adviser: VALIC Sub-Advisers: BlackRock Investment Management, LLC and ClearBridge Investments, LLC	0.67%	None	0.67%	18.21%	11.55%	10.40%
	Growth Fund^{2, 5}Adviser: VALIC Sub-Advisers: BlackRock	0.61%	None	0.61%	14.57%	11.57%	15.67%
	Large Cap Core Fund² Adviser: VALIC Sub-Adviser: T. Rowe Price and JPMIM	0.68%	None	0.68%	9.81%	10.02%	14.27%
	Nasdaq-100^® Index Fund^{2, 5}Adviser: VALIC Sub-Adviser: BlackRock	0.42%	None	0.42%	20.42%	14.73%	19.06%
	Stock Index Fund^{2, 5}Adviser: VALIC Sub-Adviser: BlackRock	0.22%	None	0.22%	17.55%	14.08%	14.46%
	Systematic Core Fund^{2, 5}Adviser: VALIC Sub-Adviser: GSAM	0.63%	None	0.63%	14.77%	12.45%	13.89%
	Systematic Growth Fund^{2, 5}Adviser: VALIC Sub-Advisers: GSAM and Wellington Management Company LLP	0.64%	None	0.64%	17.66%	10.29%	14.83%
	Systematic Value Fund^{2, 5}Adviser: VALIC Sub-Adviser: Wellington Management	0.64%	None	0.64%	17.41%	13.25%	10.31%
	U.S. Socially Responsible Fund² Adviser: VALIC Sub-Adviser: BlackRock	0.36%	None	0.36%	14.73%	11.77%	12.91%
	Vanguard Windsor II Fund³ – Investor Advisers: Aristotle Capital Management, LLC; Hotchkis and Wiley Capital Management, LLC; Lazard Asset Management LLC; and Sanders Capital, LLC	0.33%	0.25%	0.58%	18.56%	12.89%	12.61%
Domestic Mid- Cap Equity	Ariel Appreciation Fund³ – Investor Class Adviser: Ariel Investments, LLC	1.15%	None	1.15%	11.11%	7.57%	7.95%
	Mid Cap Strategic Growth Fund² Adviser: VALIC Sub-Advisers: Janus Henderson Investors US LLC and Voya Investment Management Co. LLC	0.73%	None	0.73%	11.34%	7.88%	13.56%
	Mid Cap Value Fund² Adviser: VALIC Sub-Advisers: Boston Partners Global Investors, Inc. d/b/a Boston Partners and Wellington Management	0.81%	None	0.81%	7.23%	10.19%	9.29%

Page 11 of 35


				Current Expenses	Average Annual Total Returns (as of Dec. 31, 2025)
Type/ Investment Objective	Portfolio Company and Adviser/Subadviser(s)¹	Current Expenses	Platform Charge⁶	+ Platform Charge	1 Year	5 Year	10 Year (or life of fund)
	Mid Cap Index Fund² Adviser: VALIC Sub-Adviser: BlackRock	0.36%	None	0.36%	6.95%	8.68%	10.34%
Domestic Small-Cap Equity	Ariel Fund³ – Investor Class Adviser: Ariel	1.01%	None	1.01%	14.15%	9.36%	9.51%
	Small Cap Core Fund² Adviser: VALIC Sub-Adviser: Invesco Advisers, Inc.	0.83%	None	0.83%	-3.03%	6.57%	8.39%
	Small Cap Growth Fund^{2, 5}Adviser: VALIC Sub-Advisers: American Century Investment Management, Inc. and T. Rowe Price Associates, Inc. and T. Rowe Price Investment Management, Inc.	0.88%	None	0.88%	9.20%	-2.35%	11.01%
	Small Cap Index Fund^{2, 5}Adviser: VALIC Sub-Adviser: BlackRock	0.36%	None	0.36%	12.23%	5.69%	9.27%
	Small Cap Value Fund^{2, 5}Adviser: VALIC Sub-Adviser: JPMIM	0.85%	None	0.85%	12.16%	9.55%	8.54%
Global Equity (International and Domestic)	Global Strategy Fund^{2, 5}Adviser: VALIC Sub-Advisers: Franklin Advisers, Inc. and Brandywine Global Investment Management LLC	0.63%	None	0.63%	20.73%	7.18%	5.85%
Global Equity (International and Domestic)	International Socially Responsible Fund^{2, 5}Adviser: VALIC Sub-Adviser: BlackRock	0.57%	None	0.57%	27.32%	7.80%	9.10%
International Equity	Emerging Economies Fund² Adviser: VALIC Sub-Adviser: BlackRock	0.99%	None	0.99%	30.11%	4.19%	8.04%
International Equity	International Equities Index Fund^{2, 5}Adviser: VALIC Sub-Adviser: BlackRock	0.39%	None	0.39%	30.81%	8.47%	7.82%
	International Growth Fund^{2, 5}Adviser: VALIC Sub-Advisers: MSIM Inc.	0.82%	None	0.82%	16.07%	1.86%	8.33%
	International Opportunities Fund^{2, 5}Adviser: VALIC Sub-Advisers: Invesco and Wellington Management	1.05%	None	1.05%	27.46%	2.74%	6.76%
	International Value Fund^{2, 5}Adviser: VALIC Sub-Advisers: GSAM and Columbia Management Investment Advisers, LLC	0.78%	None	0.78%	39.97%	10.60%	8.10%

Page 12 of 35


				Current Expenses	Average Annual Total Returns (as of Dec. 31, 2025)
Type/ Investment Objective	Portfolio Company and Adviser/Subadviser(s)¹	Current Expenses	Platform Charge⁶	+ Platform Charge	1 Year	5 Year	10 Year (or life of fund)
Specialty	Global Real Estate Fund² Adviser: VALIC Sub-Advisers: Duff & Phelps Investment Management Co.	0.88%	None	0.88%	7.70%	1.77%	3.39%
	Invesco Balanced-Risk Commodity Strategy Fund^{3, 5} – Class R5 Adviser: Invesco Advisers, Inc.	1.05%	None	1.05%	18.94%	9.41%	6.23%
	Science & Technology Fund^{2, 5}Adviser: VALIC Sub-Advisers: Voya IM and BlackRock	0.91%	None	0.91%	22.57%	11.59%	18.92%
Hybrid (Equity and Fixed Income)	Aggressive Allocation Lifestyle Fund^{2, 5} Adviser: VALIC Sub-Adviser: JPMIM	0.56%	None	0.56%	16.94%	8.73%	9.38%
	Asset Allocation Fund^{2, 5}Adviser: VALIC Sub-Adviser: JPMIM	0.66%	None	0.66%	11.50%	8.17%	7.75%
	Conservative Allocation Lifestyle Fund^{2, 5} Adviser: VALIC Sub-Adviser: JPMIM	0.60%	None	0.60%	11.79%	4.34%	5.85%
	Dynamic Allocation Fund^{2, 5}Adviser: VALIC Sub-Advisers: AllianceBernstein L.P.	0.75%	None	0.75%	11.33%	5.60%	7.49%
	Moderate Allocation Lifestyle Fund^{2, 5}Adviser: VALIC Sub-Adviser: JPMIM	0.57%	None	0.57%	14.40%	7.01%	8.10%
	T. Rowe Price Retirement 2015 Fund³ – Advisor Class Adviser: T. Rowe Price	0.74%	None	0.74%	11.83%	5.05%	6.89%
	T. Rowe Price Retirement 2020 Fund³ – Advisor Class Adviser: T. Rowe Price	0.76%	None	0.76%	12.23%	5.34%	7.42%
	T. Rowe Price Retirement 2025 Fund³ – Advisor Class Adviser: T. Rowe Price	0.78%	None	0.78%	12.71%	5.76%	8.03%
	T. Rowe Price Retirement 2030 Fund³ – Advisor Class Adviser: T. Rowe Price	0.80%	None	0.80%	14.10%	6.51%	8.77%
	T. Rowe Price Retirement 2035 Fund³ – Advisor Class Adviser: T. Rowe Price	0.83%	None	0.83%	15.84%	7.42%	9.50%
	T. Rowe Price Retirement 2040 Fund³ – Advisor Class Adviser: T. Rowe Price	0.84%	None	0.84%	17.16%	8.17%	10.12%
	T. Rowe Price Retirement 2045 Fund³ – Advisor Class Adviser: T. Rowe Price	0.85%	None	0.85%	18.23%	8.77%	10.55%

Page 13 of 35


				Current Expenses	Average Annual Total Returns (as of Dec. 31, 2025)
Type/ Investment Objective	Portfolio Company and Adviser/Subadviser(s)¹	Current Expenses	Platform Charge⁶	+ Platform Charge	1 Year	5 Year	10 Year (or life of fund)
	T. Rowe Price Retirement 2050 Fund³ – Advisor Class Adviser: T. Rowe Price	0.87%	None	0.87%	18.53%	8.95%	10.63%
	T. Rowe Price Retirement 2055 Fund³ – Advisor Class Adviser: T. Rowe Price	0.88%	None	0.88%	18.70%	8.97%	10.63%
	T. Rowe Price Retirement 2060 Fund³ – Advisor Class Adviser: T. Rowe Price	0.89%	None	0.89%	18.63%	8.96%	10.62%
	T. Rowe Price Retirement 2065 Fund³ – Advisor Class Adviser: T. Rowe Price	0.89%	None	0.89%	18.61%	9.11%	10.90%
	T. Rowe Price Retirement 2070 Fund³ – Advisor Class Adviser: T. Rowe Price	0.89%	None	0.89%	21.26%	N/A	22.55%*
	Vanguard LifeStrategy 40/60 Fund^{3, 4} – Investor Shares Adviser: The Vanguard Group, Inc.	0.10%	0.25%	0.35%	12.86%	4.24%	6.12%
	Vanguard LifeStrategy 80/20 Fund^{3, 4} – Investor Shares Adviser: Vanguard	0.10%	0.25%	0.35%	19.63%	8.76%	10.03%
	Vanguard LifeStrategy 60/40 Fund^{3, 4} – Investor Shares Adviser: Vanguard	0.10%	0.25%	0.35%	16.24%	6.49%	8.09%
	Vanguard Wellington Fund³ – Investor Shares Adviser: Wellington Management	0.25%	0.25%	0.50%	16.48%	9.28%	10.02%
Fixed Income	Core Bond Fund² Adviser: VALIC Sub-Advisers: PineBridge Investments LLC and JPMIM	0.48%	None	0.48%	7.64%	-0.16%	2.36%
	Goldman Sachs VIT Government Money Market Fund⁵ – Institutional Shares Adviser: Goldman Sachs	0.18%	None	0.18%	4.20%	3.18%	2.11%
	Government Securities Fund² Adviser: VALIC Sub-Adviser: JPMIM	0.56%	None	0.56%	6.66%	-0.49%	1.41%
	High Yield Bond Fund^{2, 5}Adviser: VALIC Sub-Adviser: Wellington Management Company LLP.	0.68%	None	0.68%	9.37%	4.20%	5.92%
	Inflation Protected Fund^{2, 5}Adviser: VALIC Sub-Adviser: Wellington Management	0.53%	None	0.53%	6.00%	1.06%	2.86%

Page 14 of 35


				Current Expenses	Average Annual Total Returns (as of Dec. 31, 2025)
Type/ Investment Objective	Portfolio Company and Adviser/Subadviser(s)¹	Current Expenses	Platform Charge⁶	+ Platform Charge	1 Year	5 Year	10 Year (or life of fund)
	International Government Bond Fund² Adviser: VALIC Sub-Adviser: PineBridge Investments LLC.	0.77%	None	0.77%	9.15%	-2.01%	1.64%
	Vanguard Long-Term Investment-Grade Fund³ – Investor Shares Advisers: Wellington Management and Vanguard	0.21%	None	0.21%	7.18%	-3.74%	2.68%
	Vanguard Long-Term Treasury Fund³ – Investor Shares Adviser: Vanguard	0.20%	None	0.20%	5.54%	-7.30%	-0.04%

Page 15 of 35

SUPPLEMENT DATED OCTOBER 30, 2026

TO THE PROSPECTUSES AND SUMMARY

PROSPECTUSES, EACH DATED May 1, 2026

THE VARIABLE ANNUITY LIFE INSURANCE COMPANY

SEPARATE ACCOUNT A

Fixed and Variable Deferred Annuity Contracts

Portfolio Director^®

Series 1.40 to 12.40

In the “Key Information: Important Information You Should Consider About the Contract” section, the following changes are made:

•

In the “Ongoing Fees and Expenses (annual charges)” section of the “FEES AND EXPENSES” table, the minimum fee for Investment Options is 0.19% and the Lowest Annual Cost is $807.

•

In the “Ongoing Fees and Expenses (annual charges)” section of the “FEES AND EXPENSES” table, the maximum fee for Investment Options is 1.15% and the Highest Annual Cost is $4,868.

In the “Fee Tables” section in the prospectus and the “Additional Information About Fees” section in the initial summary prospectus, the following changes are made:

•

In the “Annual Fund Expenses” table, the minimum Annual Fund Expenses is 0.19%.

•

In the “Annual Fund Expenses” table, the maximum Annual Fund Expenses is 1.15%.

•

In the “Examples” section, the following replaces the fee examples applicable to your Contract.

(1) If you surrender your Contract at the end of the applicable time period:


Series 1 and 9
1 Year	3 Years	5 Years	10 Years
$9,374	$19,143	$28,938	$48,979
Series 3, 4, 5, 7, 8, and 10
1 Year	3 Years	5 Years	10 Years
$9,360	$19,103	$28,875	$48,866
Series 2, 6, 11, and 12
1 Year	3 Years	5 Years	10 Years
$4,854	$14,583	$24,341	$48,866

Page 16 of 35

(2) If you annuitize your Contract or you do not surrender your Contract:


Series 1 and 9
1 Year	3 Years	5 Years	10 Years
$4,868	$14,625	$24,407	$48,979
Series 3, 4, 5, 7, 8, and 10
1 Year	3 Years	5 Years	10 Years
$4,854	$14,583	$24,341	$48,866
Series 2, 6, 11, and 12
1 Year	3 Years	5 Years	10 Years
$4,854	$14,583	$24,341	$48,866

(1) If you surrender your Contract at the end of the applicable time period:


Series 1 and 9
1 Year	3 Years	5 Years	10 Years
$6,439	$10,513	$14,571	$20,810
Series 3, 4, 5, 7, 8, and 10
1 Year	3 Years	5 Years	10 Years
$6,425	$10,472	$14,499	$20,674
Series 2, 6, 11, and 12
1 Year	3 Years	5 Years	10 Years
$1,778	$5,513	$9,499	$20,674

(2) If you annuitize your Contract or you do not surrender your Contract:


Series 1 and 9
1 Year	3 Years	5 Years	10 Years
$1,793	$5,557	$9,571	$20,810
Series 3, 4, 5, 7, 8, and 10
1 Year	3 Years	5 Years	10 Years
$1,778	$5,513	$9,499	$20,674
Series 2, 6, 11, and 12
1 Year	3 Years	5 Years	10 Years
$1,778	$5,513	$9,499	$20,674

Page 17 of 35

(1) If you surrender your Contract at the end of the applicable time period:


Series 1 and 9
1 Year	3 Years	5 Years	10 Years
$5,510	$7,570	$9,469	$9,963
Series 3, 4, 5, 7, 8, and 10
1 Year	3 Years	5 Years	10 Years
$5,496	$7,525	$9,395	$9,820
Series 2, 6, 11, and 12
1 Year	3 Years	5 Years	10 Years
$807	$2,525	$4,395	$9,820

(2) If you annuitize your Contract or you do not surrender your Contract:


Series 1 and 9
1 Year	3 Years	5 Years	10 Years
$822	$2,570	$4,469	$9,963
Series 3, 4, 5, 7, 8, and 10
1 Year	3 Years	5 Years	10 Years
$807	$2,525	$4,395	$9,820
Series 2, 6, 11, and 12
1 Year	3 Years	5 Years	10 Years
$807	$2,525	$4,395	$9,820

Effective immediately, the following Portfolio Companies are hereby available as investment options under the Contract:

•

T. Rowe Price Retirement 2065 Fund - Advisor Class

•

T. Rowe Price Retirement 2070 Fund - Advisor Class

The following table replaces the current table in its entirety in Appendix A:

Current

Expenses

Average Annual Total Returns
(as of Dec. 31, 2025)

Type/ Investment

Objective

Portfolio Company and Adviser/Subadviser(s)¹

Current
Expenses

Platform
Charge⁶

Platform

Charge

1 Year

5 Year

10 Year
(or life

of fund)

Domestic
Large-Cap
Equity

American Beacon Man Large Cap
Growth Fund^{3, 5} – Investor Class
Adviser: American Beacon Advisors, Inc.
Sub-Adviser: Numeric Investors LLC

1.12%

None

1.12%

15.86%

11.19%

13.94%

Capital Appreciation Fund²
Adviser: VALIC
Sub-Adviser: Columbia Management Investment Advisers, LLC

0.68%

None

0.68%

14.19%

14.69%

15.33%

Page 18 of 35


				Current Expenses	Average Annual Total Returns (as of Dec. 31, 2025)
Type/ Investment Objective	Portfolio Company and Adviser/Subadviser(s)¹	Current Expenses	Platform Charge⁶	+ Platform Charge	1 Year	5 Year	10 Year (or life of fund)
	Dividend Value Fund^{2, 5} Adviser: VALIC Sub-Advisers: BlackRock Investment Management, LLC and ClearBridge Investments, LLC	0.67%	None	0.67%	18.21%	11.55%	10.40%
	Growth Fund^{2, 5} Adviser: VALIC Sub-Advisers: BlackRock	0.61%	None	0.61%	14.57%	11.57%	15.67%
	Large Cap Core Fund² Adviser: VALIC Sub-Adviser: T. Rowe Price and JPMIM	0.68%	None	0.68%	9.81%	10.02%	14.27%
	Nasdaq-100^® Index Fund^{2, 5}Adviser: VALIC Sub-Adviser: BlackRock	0.42%	None	0.42%	20.42%	14.73%	19.06%
	Stock Index Fund^{2, 5}Adviser: VALIC Sub-Adviser: BlackRock	0.22%	None	0.22%	17.55%	14.08%	14.46%
	Systematic Core Fund^{2, 5}Adviser: VALIC Sub-Adviser: GSAM	0.63%	None	0.63%	14.77%	12.45%	13.89%
	Systematic Growth Fund^{2, 5} Adviser: VALIC Sub-Advisers: GSAM and Wellington Management Company LLP	0.64%	None	0.64%	17.66%	10.29%	14.83%
	Systematic Value Fund^{2, 5} Adviser: VALIC Sub-Adviser: Wellington Management	0.64%	None	0.64%	17.41%	13.25%	10.31%
	U.S. Socially Responsible Fund² Adviser: VALIC Sub-Adviser: BlackRock	0.36%	None	0.36%	14.73%	11.77%	12.91%
	Vanguard Windsor II Fund³ – Investor Advisers: Aristotle Capital Management, LLC; Hotchkis and Wiley Capital Management, LLC; Lazard Asset Management LLC; and Sanders Capital, LLC	0.33%	0.25%	0.58%	18.56%	12.89%	12.61%
Domestic Mid- Cap Equity	Ariel Appreciation Fund³ – Investor Class Adviser: Ariel Investments, LLC	1.15%	None	1.15%	11.11%	7.57%	7.95%
	Mid Cap Strategic Growth Fund² Adviser: VALIC Sub-Advisers: Janus Henderson Investors US LLC and Voya Investment Management Co. LLC	0.73%	None	0.73%	11.34%	7.88%	13.56%
	Mid Cap Value Fund² Adviser: VALIC Sub-Advisers: Boston Partners Global Investors, Inc. d/b/a Boston Partners and Wellington Management	0.81%	None	0.81%	7.23%	10.19%	9.29%
	Mid Cap Index Fund² Adviser: VALIC Sub-Adviser: BlackRock	0.36%	None	0.36%	6.95%	8.68%	10.34%

Page 19 of 35


				Current Expenses	Average Annual Total Returns (as of Dec. 31, 2025)
Type/ Investment Objective	Portfolio Company and Adviser/Subadviser(s)¹	Current Expenses	Platform Charge⁶	+ Platform Charge	1 Year	5 Year	10 Year (or life of fund)
Domestic Small-Cap Equity	Ariel Fund³ – Investor Class Adviser: Ariel	1.01%	None	1.01%	14.15%	9.36%	9.51%
	Small Cap Core Fund² Adviser: VALIC Sub-Adviser: Invesco Advisers, Inc.	0.83%	None	0.83%	-3.03%	6.57%	8.39%
	Small Cap Growth Fund^{2, 5} Adviser: VALIC Sub-Advisers: American Century Investment Management, Inc. and T. Rowe Price Associates, Inc. and T. Rowe Price Investment Management, Inc.	0.88%	None	0.88%	9.20%	-2.35%	11.01%
	Small Cap Index Fund^{2, 5} Adviser: VALIC Sub-Adviser: BlackRock	0.36%	None	0.36%	12.23%	5.69%	9.27%
	Small Cap Value Fund^{2, 5} Adviser: VALIC Sub-Adviser: JPMIM	0.85%	None	0.85%	12.16%	9.55%	8.54%
Global Equity (International and Domestic)	Global Strategy Fund^{2, 5} Adviser: VALIC Sub-Advisers: Franklin Advisers, Inc. and Brandywine Global Investment Management LLC	0.63%	None	0.63%	20.73%	7.18%	5.85%
Global Equity (International and Domestic)	International Socially Responsible Fund^{2, 5} Adviser: VALIC Sub-Adviser: BlackRock	0.57%	None	0.57%	27.32%	7.80%	9.10%
International Equity	Emerging Economies Fund² Adviser: VALIC Sub-Adviser: BlackRock	0.99%	None	0.99%	30.11%	4.19%	8.04%
	International Equities Index Fund^{2, 5} Adviser: VALIC Sub-Adviser: BlackRock	0.39%	None	0.39%	30.81%	8.47%	7.82%
	International Growth Fund^{2, 5} Adviser: VALIC Sub-Advisers: MSIM Inc.	0.82%	None	0.82%	16.07%	1.86%	8.33%
	International Opportunities Fund^{2, 5} Adviser: VALIC Sub-Advisers: Invesco and Wellington Management	1.05%	None	1.05%	27.46%	2.74%	6.76%
	International Value Fund^{2, 5} Adviser: VALIC Sub-Advisers: GSAM and Columbia Management Investment Advisers, LLC	0.78%	None	0.78%	39.97%	10.60%	8.10%
Specialty	Global Real Estate Fund² Adviser: VALIC Sub-Advisers: Duff & Phelps Investment Management Co.	0.88%	None	0.88%	7.70%	1.77%	3.39%
	Invesco Balanced-Risk Commodity Strategy Fund^3, 5 – Class R5 Adviser: Invesco Advisers, Inc.	1.05%	None	1.05%	18.94%	9.41%	6.23%
	Science & Technology Fund^{2, 5} Adviser: VALIC Sub-Advisers: Voya IM and BlackRock	0.91%	None	0.91%	22.57%	11.59%	18.92%

Page 20 of 35


				Current Expenses	Average Annual Total Returns (as of Dec. 31, 2025)
Type/ Investment Objective	Portfolio Company and Adviser/Subadviser(s)¹	Current Expenses	Platform Charge⁶	+ Platform Charge	1 Year	5 Year	10 Year (or life of fund)
Hybrid (Equity and Fixed Income)	Aggressive Allocation Lifestyle Fund^{2, 5} Adviser: VALIC Sub-Adviser: JPMIM	0.56%	None	0.56%	16.94%	8.73%	9.38%
	Asset Allocation Fund^{2, 5} Adviser: VALIC Sub-Adviser: JPMIM	0.66%	None	0.66%	11.50%	8.17%	7.75%
	Conservative Allocation Lifestyle Fund^{2, 5} Adviser: VALIC Sub-Adviser: JPMIM	0.60%	None	0.60%	11.79%	4.34%	5.85%
	Dynamic Allocation Fund^{2, 5} Adviser: VALIC Sub-Advisers: AllianceBernstein L.P.	0.75%	None	0.75%	11.33%	5.60%	7.49%
	Moderate Allocation Lifestyle Fund^{2, 5} Adviser: VALIC Sub-Adviser: JPMIM	0.57%	None	0.57%	14.40%	7.01%	8.10%
	T. Rowe Price Retirement 2015 Fund³ – Advisor Class Adviser: T. Rowe Price	0.74%	None	0.74%	11.83%	5.05%	6.89%
	T. Rowe Price Retirement 2020 Fund³ – Advisor Class Adviser: T. Rowe Price	0.76%	None	0.76%	12.23%	5.34%	7.42%
	T. Rowe Price Retirement 2025 Fund³ – Advisor Class Adviser: T. Rowe Price	0.78%	None	0.78%	12.71%	5.76%	8.03%
	T. Rowe Price Retirement 2030 Fund³ – Advisor Class Adviser: T. Rowe Price	0.80%	None	0.80%	14.10%	6.51%	8.77%
	T. Rowe Price Retirement 2035 Fund³ – Advisor Class Adviser: T. Rowe Price	0.83%	None	0.83%	15.84%	7.42%	9.50%
	T. Rowe Price Retirement 2040 Fund³ – Advisor Class Adviser: T. Rowe Price	0.84%	None	0.84%	17.16%	8.17%	10.12%
	T. Rowe Price Retirement 2045 Fund³ – Advisor Class Adviser: T. Rowe Price	0.85%	None	0.85%	18.23%	8.77%	10.55%
	T. Rowe Price Retirement 2050 Fund³ – Advisor Class Adviser: T. Rowe Price	0.87%	None	0.87%	18.53%	8.95%	10.63%
	T. Rowe Price Retirement 2055 Fund³ – Advisor Class Adviser: T. Rowe Price	0.88%	None	0.88%	18.70%	8.97%	10.63%
	T. Rowe Price Retirement 2060 Fund³ – Advisor Class Adviser: T. Rowe Price	0.89%	None	0.89%	18.63%	8.96%	10.62%
	T. Rowe Price Retirement 2065 Fund³ – Advisor Class Adviser: T. Rowe Price	0.89%	None	0.89%	18.61%	9.11%	10.90%

Page 21 of 35


				Current Expenses	Average Annual Total Returns (as of Dec. 31, 2025)
Type/ Investment Objective	Portfolio Company and Adviser/Subadviser(s)¹	Current Expenses	Platform Charge⁶	+ Platform Charge	1 Year	5 Year	10 Year (or life of fund)
	T. Rowe Price Retirement 2070 Fund³ – Advisor Class Adviser: T. Rowe Price	0.89%	None	0.89%	21.26%	N/A	22.55%*
	Vanguard LifeStrategy 40/60 Fund^{3, 4}– Investor Shares Adviser: The Vanguard Group, Inc.	0.10%	0.25%	0.35%	12.86%	4.24%	6.12%
	Vanguard LifeStrategy 80/20 Fund^{3, 4} – Investor Shares Adviser: Vanguard	0.10%	0.25%	0.35%	19.63%	8.76%	10.03%
	Vanguard LifeStrategy 60/40 Fund^{3, 4} – Investor Shares Adviser: Vanguard	0.10%	0.25%	0.35%	16.24%	6.49%	8.09%
	Vanguard Wellington Fund³ – Investor Shares Adviser: Wellington Management	0.25%	0.25%	0.50%	16.48%	9.28%	10.02%
Fixed Income	Core Bond Fund² Adviser: VALIC Sub-Advisers: PineBridge Investments LLC and JPMIM	0.48%	None	0.48%	7.64%	-0.16%	2.36%
	Goldman Sachs VIT Government Money Market Fund⁵ – Institutional Shares Adviser: Goldman Sachs	0.18%	None	0.18%	4.20%	3.18%	2.11%
	Government Securities Fund² Adviser: VALIC Sub-Adviser: JPMIM	0.56%	None	0.56%	6.66%	-0.49%	1.41%
	High Yield Bond Fund^{2, 5} Adviser: VALIC Sub-Adviser: Wellington Management Company LLP.	0.68%	None	0.68%	9.37%	4.20%	5.92%
	Inflation Protected Fund^{2, 5} Adviser: VALIC Sub-Adviser: Wellington Management	0.53%	None	0.53%	6.00%	1.06%	2.86%
	International Government Bond Fund² Adviser: VALIC Sub-Adviser: PineBridge Investments LLC.	0.77%	None	0.77%	9.15%	-2.01%	1.64%
	Vanguard Long-Term Investment-Grade Fund³ – Investor Shares Advisers: Wellington Management and Vanguard	0.21%	None	0.21%	7.18%	-3.74%	2.68%
	Vanguard Long-Term Treasury Fund³ – Investor Shares Adviser: Vanguard	0.20%	None	0.20%	5.54%	-7.30%	-0.04%

Page 22 of 35

SUPPLEMENT DATED OCTOBER 30, 2026

TO THE PROSPECTUSES AND SUMMARY

PROSPECTUSES, EACH DATED May 1, 2026

THE VARIABLE ANNUITY LIFE INSURANCE COMPANY

SEPARATE ACCOUNT A

Fixed and Variable Deferred Annuity Contracts

Portfolio Director^®

Series 1.60 to 12.60

In the “Key Information: Important Information You Should Consider About the Contract” section, the following changes are made:

•

In the “Ongoing Fees and Expenses (annual charges)” section of the “FEES AND EXPENSES” table, the minimum fee for Investment Options is 0.19% and the Lowest Annual Cost is $603.

•

In the “Ongoing Fees and Expenses (annual charges)” section of the “FEES AND EXPENSES” table, the maximum fee for Investment Options is 1.15% and the Highest Annual Cost is $4,673.

In the “Fee Tables” section in the prospectus and the “Additional Information About Fees” section in the initial summary prospectus, the following changes are made:

•

In the “Annual Fund Expenses” table, the minimum Annual Fund Expenses is 0.19%.

•

In the “Annual Fund Expenses” table, the maximum Annual Fund Expenses is 1.15%.

•

In the “Examples” section, the following replaces the fee examples applicable to your Contract.

(1) If you surrender your Contract at the end of the applicable time period:


Series 1 and 9
1 Year	3 Years	5 Years	10 Years
$9,188	$18,611	$28,097	$47,438
Series 3, 4, 5, 7, 8, and 10
1 Year	3 Years	5 Years	10 Years
$9,174	$18,571	$28,034	$47,323
Series 2, 6, 11, and 12
1 Year	3 Years	5 Years	10 Years
$4,658	$14,023	$23,455	$47,323

Page 23 of 35

(2) If you annuitize your Contract or you do not surrender your Contract:


Series 1 and 9
1 Year	3 Years	5 Years	10 Years
$4,673	$14,065	$23,521	$47,438
Series 3, 4, 5, 7, 8, and 10
1 Year	3 Years	5 Years	10 Years
$4,658	$14,023	$23,455	$47,323
Series 2, 6, 11, and 12
1 Year	3 Years	5 Years	10 Years
$4,658	$14,023	$23,455	$47,323

(1) If you surrender your Contract at the end of the applicable time period:


Series 1 and 9
1 Year	3 Years	5 Years	10 Years
$6,246	$9,928	$13,529	$18,642
Series 3, 4, 5, 7, 8, and 10
1 Year	3 Years	5 Years	10 Years
$6,232	$9,886	$13,457	$18,505
Series 2, 6, 11, and 12
1 Year	3 Years	5 Years	10 Years
$1,577	$4,898	$8,457	$18,505

(2) If you annuitize your Contract or you do not surrender your Contract:


Series 1 and 9
1 Year	3 Years	5 Years	10 Years
$1,592	$4,942	$8,529	$18,642
Series 3, 4, 5, 7, 8, and 10
1 Year	3 Years	5 Years	10 Years
$1,577	$4,898	$8,457	$18,505
Series 2, 6, 11, and 12
1 Year	3 Years	5 Years	10 Years
$1,577	$4,898	$8,457	$18,505

Page 24 of 35

(1) If you surrender your Contract at the end of the applicable time period:


Series 1 and 9
1 Year	3 Years	5 Years	10 Years
$5,316	$6,936	$8,373	$7,557
Series 3, 4, 5, 7, 8, and 10
1 Year	3 Years	5 Years	10 Years
$5,301	$6,892	$8,299	$7,412
Series 2, 6, 11, and 12
1 Year	3 Years	5 Years	10 Years
$603	$1,892	$3,299	$7,412

(2) If you annuitize your Contract or you do not surrender your Contract:


Series 1 and 9
1 Year	3 Years	5 Years	10 Years
$618	$1,936	$3,373	$7,557
Series 3, 4, 5, 7, 8, and 10
1 Year	3 Years	5 Years	10 Years
$603	$1,892	$3,299	$7,412
Series 2, 6, 11, and 12
1 Year	3 Years	5 Years	10 Years
$603	$1,892	$3,299	$7,412

Effective immediately, the following Portfolio Companies are hereby available as investment options under the Contract:

•

T. Rowe Price Retirement 2065 Fund - Advisor Class

•

T. Rowe Price Retirement 2070 Fund - Advisor Class

The following table replaces the current table in its entirety in Appendix A:

Current

Expenses

Average Annual Total Returns
(as of Dec. 31, 2025)

Type/ Investment

Objective

Portfolio Company and Adviser/Subadviser(s)¹

Current
Expenses

Platform
Charge⁶

Platform

Charge

1 Year

5 Year

10 Year
(or life

of fund)

Domestic
Large-Cap
Equity

American Beacon Man Large Cap
Growth Fund^{3, 5} – Investor Class
Adviser: American Beacon Advisors, Inc.
Sub-Adviser: Numeric Investors LLC

1.12%

None

1.12%

15.86%

11.19%

13.94%

Capital Appreciation Fund²
Adviser: VALIC
Sub-Adviser: Columbia Management Investment Advisers, LLC

0.68%

None

0.68%

14.19%

14.69%

15.33%

Page 25 of 35


				Current Expenses	Average Annual Total Returns (as of Dec. 31, 2025)
Type/ Investment Objective	Portfolio Company and Adviser/Subadviser(s)¹	Current Expenses	Platform Charge⁶	+ Platform Charge	1 Year	5 Year	10 Year (or life of fund)
	Dividend Value Fund^{2, 5} Adviser: VALIC Sub-Advisers: BlackRock Investment Management, LLC and ClearBridge Investments, LLC	0.67%	None	0.67%	18.21%	11.55%	10.40%
	Growth Fund^{2, 5} Adviser: VALIC Sub-Advisers: BlackRock	0.61%	None	0.61%	14.57%	11.57%	15.67%
	Large Cap Core Fund² Adviser: VALIC Sub-Adviser: T. Rowe Price and JPMIM	0.68%	None	0.68%	9.81%	10.02%	14.27%
	Nasdaq-100^® Index Fund^{2, 5} Adviser: VALIC Sub-Adviser: BlackRock	0.42%	None	0.42%	20.42%	14.73%	19.06%
	Stock Index Fund^{2, 5} Adviser: VALIC Sub-Adviser: BlackRock	0.22%	None	0.22%	17.55%	14.08%	14.46%
	Systematic Core Fund^{2, 5} Adviser: VALIC Sub-Adviser: GSAM	0.63%	None	0.63%	14.77%	12.45%	13.89%
	Systematic Growth Fund^{2, 5} Adviser: VALIC Sub-Advisers: GSAM and Wellington Management Company LLP	0.64%	None	0.64%	17.66%	10.29%	14.83%
	Systematic Value Fund^{2, 5} Adviser: VALIC Sub-Adviser: Wellington Management	0.64%	None	0.64%	17.41%	13.25%	10.31%
	U.S. Socially Responsible Fund² Adviser: VALIC Sub-Adviser: BlackRock	0.36%	None	0.36%	14.73%	11.77%	12.91%
	Vanguard Windsor II Fund³ – Investor Advisers: Aristotle Capital Management, LLC; Hotchkis and Wiley Capital Management, LLC; Lazard Asset Management LLC; and Sanders Capital, LLC	0.33%	0.25%	0.58%	18.56%	12.89%	12.61%
Domestic Mid- Cap Equity	Ariel Appreciation Fund³ – Investor Class Adviser: Ariel Investments, LLC	1.15%	None	1.15%	11.11%	7.57%	7.95%
	Mid Cap Strategic Growth Fund² Adviser: VALIC Sub-Advisers: Janus Henderson Investors US LLC and Voya Investment Management Co. LLC	0.73%	None	0.73%	11.34%	7.88%	13.56%
	Mid Cap Value Fund² Adviser: VALIC Sub-Advisers: Boston Partners Global Investors, Inc. d/b/a Boston Partners and Wellington Management	0.81%	None	0.81%	7.23%	10.19%	9.29%
	Mid Cap Index Fund² Adviser: VALIC Sub-Adviser: BlackRock	0.36%	None	0.36%	6.95%	8.68%	10.34%

Page 26 of 35


				Current Expenses	Average Annual Total Returns (as of Dec. 31, 2025)
Type/ Investment Objective	Portfolio Company and Adviser/Subadviser(s)¹	Current Expenses	Platform Charge⁶	+ Platform Charge	1 Year	5 Year	10 Year (or life of fund)
Domestic Small-Cap Equity	Ariel Fund³ – Investor Class Adviser: Ariel	1.01%	None	1.01%	14.15%	9.36%	9.51%
	Small Cap Core Fund² Adviser: VALIC Sub-Adviser: Invesco Advisers, Inc.	0.83%	None	0.83%	-3.03%	6.57%	8.39%
	Small Cap Growth Fund^{2, 5} Adviser: VALIC Sub-Advisers: American Century Investment Management, Inc. and T. Rowe Price Associates, Inc. and T. Rowe Price Investment Management, Inc.	0.88%	None	0.88%	9.20%	-2.35%	11.01%
	Small Cap Index Fund^{2, 5} Adviser: VALIC Sub-Adviser: BlackRock	0.36%	None	0.36%	12.23%	5.69%	9.27%
	Small Cap Value Fund^{2, 5} Adviser: VALIC Sub-Adviser: JPMIM	0.85%	None	0.85%	12.16%	9.55%	8.54%
Global Equity (International and Domestic)	Global Strategy Fund^{2, 5} Adviser: VALIC Sub-Advisers: Franklin Advisers, Inc. and Brandywine Global Investment Management LLC	0.63%	None	0.63%	20.73%	7.18%	5.85%
Global Equity (International and Domestic)	International Socially Responsible Fund^{2, 5} Adviser: VALIC Sub-Adviser: BlackRock	0.57%	None	0.57%	27.32%	7.80%	9.10%
International Equity	Emerging Economies Fund² Adviser: VALIC Sub-Adviser: BlackRock	0.99%	None	0.99%	30.11%	4.19%	8.04%
	International Equities Index Fund^{2, 5} Adviser: VALIC Sub-Adviser: BlackRock	0.39%	None	0.39%	30.81%	8.47%	7.82%
	International Growth Fund^{2, 5} Adviser: VALIC Sub-Advisers: MSIM Inc.	0.82%	None	0.82%	16.07%	1.86%	8.33%
	International Opportunities Fund^{2, 5} Adviser: VALIC Sub-Advisers: Invesco and Wellington Management	1.05%	None	1.05%	27.46%	2.74%	6.76%
	International Value Fund^{2, 5} Adviser: VALIC Sub-Advisers: GSAM and Columbia Management Investment Advisers, LLC	0.78%	None	0.78%	39.97%	10.60%	8.10%
Specialty	Global Real Estate Fund² Adviser: VALIC Sub-Advisers: Duff & Phelps Investment Management Co.	0.88%	None	0.88%	7.70%	1.77%	3.39%
	Invesco Balanced-Risk Commodity Strategy Fund^{3, 5} – Class R5 Adviser: Invesco Advisers, Inc.	1.05%	None	1.05%	18.94%	9.41%	6.23%
	Science & Technology Fund^{2, 5} Adviser: VALIC Sub-Advisers: Voya IM and BlackRock	0.91%	None	0.91%	22.57%	11.59%	18.92%

Page 27 of 35


				Current Expenses	Average Annual Total Returns (as of Dec. 31, 2025)
Type/ Investment Objective	Portfolio Company and Adviser/Subadviser(s)¹	Current Expenses	Platform Charge⁶	+ Platform Charge	1 Year	5 Year	10 Year (or life of fund)
Hybrid (Equity and Fixed Income)	Aggressive Allocation Lifestyle Fund^{2, 5} Adviser: VALIC Sub-Adviser: JPMIM	0.56%	None	0.56%	16.94%	8.73%	9.38%
	Asset Allocation Fund^{2, 5} Adviser: VALIC Sub-Adviser: JPMIM	0.66%	None	0.66%	11.50%	8.17%	7.75%
	Conservative Allocation Lifestyle Fund^{2, 5} Adviser: VALIC Sub-Adviser: JPMIM	0.60%	None	0.60%	11.79%	4.34%	5.85%
	Dynamic Allocation Fund^{2, 5} Adviser: VALIC Sub-Advisers: AllianceBernstein L.P.	0.75%	None	0.75%	11.33%	5.60%	7.49%
	Moderate Allocation Lifestyle Fund^{2, 5} Adviser: VALIC Sub-Adviser: JPMIM	0.57%	None	0.57%	14.40%	7.01%	8.10%
	T. Rowe Price Retirement 2015 Fund³ – Advisor Class Adviser: T. Rowe Price	0.74%	None	0.74%	11.83%	5.05%	6.89%
	T. Rowe Price Retirement 2020 Fund³ – Advisor Class Adviser: T. Rowe Price	0.76%	None	0.76%	12.23%	5.34%	7.42%
	T. Rowe Price Retirement 2025 Fund³ – Advisor Class Adviser: T. Rowe Price	0.78%	None	0.78%	12.71%	5.76%	8.03%
	T. Rowe Price Retirement 2030 Fund³ – Advisor Class Adviser: T. Rowe Price	0.80%	None	0.80%	14.10%	6.51%	8.77%
	T. Rowe Price Retirement 2035 Fund³ – Advisor Class Adviser: T. Rowe Price	0.83%	None	0.83%	15.84%	7.42%	9.50%
	T. Rowe Price Retirement 2040 Fund³ – Advisor Class Adviser: T. Rowe Price	0.84%	None	0.84%	17.16%	8.17%	10.12%
	T. Rowe Price Retirement 2045 Fund³ – Advisor Class Adviser: T. Rowe Price	0.85%	None	0.85%	18.23%	8.77%	10.55%
	T. Rowe Price Retirement 2050 Fund³ – Advisor Class Adviser: T. Rowe Price	0.87%	None	0.87%	18.53%	8.95%	10.63%
	T. Rowe Price Retirement 2055 Fund³ – Advisor Class Adviser: T. Rowe Price	0.88%	None	0.88%	18.70%	8.97%	10.63%
	T. Rowe Price Retirement 2060 Fund³ – Advisor Class Adviser: T. Rowe Price	0.89%	None	0.89%	18.63%	8.96%	10.62%
	T. Rowe Price Retirement 2065 Fund³ – Advisor Class Adviser: T. Rowe Price	0.89%	None	0.89%	18.61%	9.11%	10.90%

Page 28 of 35


				Current Expenses	Average Annual Total Returns (as of Dec. 31, 2025)
Type/ Investment Objective	Portfolio Company and Adviser/Subadviser(s)¹	Current Expenses	Platform Charge⁶	+ Platform Charge	1 Year	5 Year	10 Year (or life of fund)
	T. Rowe Price Retirement 2070 Fund³ – Advisor Class Adviser: T. Rowe Price	0.89%	None	0.89%	21.26%	N/A	22.55%*
	Vanguard LifeStrategy 40/60 Fund^{3, 4} – Investor Shares Adviser: The Vanguard Group, Inc.	0.10%	0.25%	0.35%	12.86%	4.24%	6.12%
	Vanguard LifeStrategy 80/20 Fund^{3, 4} – Investor Shares Adviser: Vanguard	0.10%	0.25%	0.35%	19.63%	8.76%	10.03%
	Vanguard LifeStrategy 60/40 Fund^{3, 4} – Investor Shares Adviser: Vanguard	0.10%	0.25%	0.35%	16.24%	6.49%	8.09%
	Vanguard Wellington Fund³ – Investor Shares Adviser: Wellington Management	0.25%	0.25%	0.50%	16.48%	9.28%	10.02%
Fixed Income	Core Bond Fund² Adviser: VALIC Sub-Advisers: PineBridge Investments LLC and JPMIM	0.48%	None	0.48%	7.64%	-0.16%	2.36%
	Goldman Sachs VIT Government Money Market Fund⁵ – Institutional Shares Adviser: Goldman Sachs	0.18%	None	0.18%	4.20%	3.18%	2.11%
	Government Securities Fund² Adviser: VALIC Sub-Adviser: JPMIM	0.56%	None	0.56%	6.66%	-0.49%	1.41%
	High Yield Bond Fund^{2, 5} Adviser: VALIC Sub-Adviser: Wellington Management Company LLP.	0.68%	None	0.68%	9.37%	4.20%	5.92%
	Inflation Protected Fund^{2, 5} Adviser: VALIC Sub-Adviser: Wellington Management	0.53%	None	0.53%	6.00%	1.06%	2.86%
	International Government Bond Fund² Adviser: VALIC Sub-Adviser: PineBridge Investments LLC.	0.77%	None	0.77%	9.15%	-2.01%	1.64%
	Vanguard Long-Term Investment-Grade Fund³ – Investor Shares Advisers: Wellington Management and Vanguard	0.21%	None	0.21%	7.18%	-3.74%	2.68%
	Vanguard Long-Term Treasury Fund³ – Investor Shares Adviser: Vanguard	0.20%	None	0.20%	5.54%	-7.30%	-0.04%

Page 29 of 35

SUPPLEMENT DATED OCTOBER 30, 2026

TO THE PROSPECTUSES AND SUMMARY

PROSPECTUSES, EACH DATED May 1, 2026

THE VARIABLE ANNUITY LIFE INSURANCE COMPANY

SEPARATE ACCOUNT A

Fixed and Variable Deferred Annuity Contracts

Portfolio Director^®

Series 1.80 to 12.80

In the “Key Information: Important Information You Should Consider About the Contract” section, the following changes are made:

•

In the “Ongoing Fees and Expenses (annual charges)” section of the “FEES AND EXPENSES” table, the minimum fee for Investment Options is 0.19% and the Lowest Annual Cost is $399.

•

In the “Ongoing Fees and Expenses (annual charges)” section of the “FEES AND EXPENSES” table, the maximum fee for Investment Options is 1.15% and the Highest Annual Cost is $1,390.

In the “Fee Tables” section in the prospectus and the “Additional Information About Fees” section in the initial summary prospectus, the following changes are made:

•

In the “Annual Fund Expenses” table, the minimum Annual Fund Expenses is 0.19%.

•

In the “Annual Fund Expenses” table, the maximum Annual Fund Expenses is 1.15%.

•

In the “Examples” section, the following replaces the fee examples applicable to your Contract.

The first set of examples assumes the most expensive combination of annual Contract expenses and annual Portfolio Company expenses. Based on these assumptions, your costs would be:

(1) If you surrender your Contract at the end of the applicable time period:


Series 1 and 9
1 Year	3 Years	5 Years	10 Years
$6,053	$9,323	$12,476	$16,427
Series 3, 4, 5, 7, 8, and 10
1 Year	3 Years	5 Years	10 Years
$6,039	$9,279	$12,403	$16,289
Series 2, 6, 11, and 12
1 Year	3 Years	5 Years	10 Years
$1,375	$4,279	$7,403	$16,289

Page 30 of 35

(2) If you annuitize your Contract or you do not surrender your Contract:


Series 1 and 9
1 Year	3 Years	5 Years	10 Years
$1,390	$4,323	$7,476	$16,427
Series 3, 4, 5, 7, 8, and 10
1 Year	3 Years	5 Years	10 Years
$1,375	$4,279	$7,403	$16,289
Series 2, 6, 11, and 12
1 Year	3 Years	5 Years	10 Years
$1,375	$4,279	$7,403	$16,289

The second set of examples assumes the least expensive combination of annual Contract expenses and annual Portfolio Company expenses. Based on these assumptions, your costs would be:

(1) If you surrender your Contract at the end of the applicable time period:


Series 1 and 9
1 Year	3 Years	5 Years	10 Years
$5,121	$6,299	$7,266	$5,099
Series 3, 4, 5, 7, 8, and 10
1 Year	3 Years	5 Years	10 Years
$5,106	$6,254	$7,192	$4,952
Series 2, 6, 11, and 12
1 Year	3 Years	5 Years	10 Years
$399	$1,254	$2,192	$4,952

(2) If you annuitize your Contract or you do not surrender your Contract:


Series 1 and 9
1 Year	3 Years	5 Years	10 Years
$414	$1,299	$2,266	$5,099
Series 3, 4, 5, 7, 8, and 10
1 Year	3 Years	5 Years	10 Years
$399	$1,254	$2,192	$4,952
Series 2, 6, 11, and 12
1 Year	3 Years	5 Years	10 Years
$399	$1,254	$2,192	$4,952

Effective immediately, the following Portfolio Companies are hereby available as investment options under the Contract:

•

T. Rowe Price Retirement 2065 Fund - Advisor Class

•

T. Rowe Price Retirement 2070 Fund - Advisor Class

Page 31 of 35

The following table replaces the current table in its entirety in Appendix A:


				Current Expenses	Average Annual Total Returns (as of Dec. 31, 2025)
Type/ Investment Objective	Portfolio Company and Adviser/Subadviser(s)¹	Current Expenses	Platform Charge⁶	+ Platform Charge	1 Year	5 Year	10 Year (or life of fund)
Domestic Large-Cap Equity	American Beacon Man Large Cap Growth Fund^{3, 5} – Investor Class Adviser: American Beacon Advisors, Inc. Sub-Adviser: Numeric Investors LLC	1.12%	None	1.12%	15.86%	11.19%	13.94%
	Capital Appreciation Fund² Adviser: VALIC Sub-Adviser: Columbia Management Investment Advisers, LLC	0.68%	None	0.68%	14.19%	14.69%	15.33%
	Dividend Value Fund^{2, 5} Adviser: VALIC Sub-Advisers: BlackRock Investment Management, LLC and ClearBridge Investments, LLC	0.67%	None	0.67%	18.21%	11.55%	10.40%
	Growth Fund^{2, 5} Adviser: VALIC Sub-Advisers: BlackRock	0.61%	None	0.61%	14.57%	11.57%	15.67%
	Large Cap Core Fund² Adviser: VALIC Sub-Adviser: T. Rowe Price and JPMIM	0.68%	None	0.68%	9.81%	10.02%	14.27%
	Nasdaq-100^® Index Fund^{2, 5} Adviser: VALIC Sub-Adviser: BlackRock	0.42%	None	0.42%	20.42%	14.73%	19.06%
	Stock Index Fund^{2, 5} Adviser: VALIC Sub-Adviser: BlackRock	0.22%	None	0.22%	17.55%	14.08%	14.46%
	Systematic Core Fund^{2, 5} Adviser: VALIC Sub-Adviser: GSAM	0.63%	None	0.63%	14.77%	12.45%	13.89%
	Systematic Growth Fund^{2, 5} Adviser: VALIC Sub-Advisers: GSAM and Wellington Management Company LLP	0.64%	None	0.64%	17.66%	10.29%	14.83%
	Systematic Value Fund^{2, 5} Adviser: VALIC Sub-Adviser: Wellington Management	0.64%	None	0.64%	17.41%	13.25%	10.31%
	U.S. Socially Responsible Fund² Adviser: VALIC Sub-Adviser: BlackRock	0.36%	None	0.36%	14.73%	11.77%	12.91%
	Vanguard Windsor II Fund³ – Investor Advisers: Aristotle Capital Management, LLC; Hotchkis and Wiley Capital Management, LLC; Lazard Asset Management LLC; and Sanders Capital, LLC	0.33%	0.25%	0.58%	18.56%	12.89%	12.61%
Domestic Mid- Cap Equity	Ariel Appreciation Fund³ – Investor Class Adviser: Ariel Investments, LLC	1.15%	None	1.15%	11.11%	7.57%	7.95%
Domestic Mid- Cap Equity	Mid Cap Strategic Growth Fund² Adviser: VALIC Sub-Advisers: Janus Henderson Investors US LLC and Voya Investment Management Co. LLC	0.73%	None	0.73%	11.34%	7.88%	13.56%

Page 32 of 35


				Current Expenses	Average Annual Total Returns (as of Dec. 31, 2025)
Type/ Investment Objective	Portfolio Company and Adviser/Subadviser(s)¹	Current Expenses	Platform Charge⁶	+ Platform Charge	1 Year	5 Year	10 Year (or life of fund)
	Mid Cap Value Fund² Adviser: VALIC Sub-Advisers: Boston Partners Global Investors, Inc. d/b/a Boston Partners and Wellington Management	0.81%	None	0.81%	7.23%	10.19%	9.29%
	Mid Cap Index Fund² Adviser: VALIC Sub-Adviser: BlackRock	0.36%	None	0.36%	6.95%	8.68%	10.34%
Domestic Small-Cap Equity	Ariel Fund³ – Investor Class Adviser: Ariel	1.01%	None	1.01%	14.15%	9.36%	9.51%
Domestic Small-Cap Equity	Small Cap Core Fund² Adviser: VALIC Sub-Adviser: Invesco Advisers, Inc.	0.83%	None	0.83%	-3.03%	6.57%	8.39%
	Small Cap Growth Fund^{2, 5} Adviser: VALIC Sub-Advisers: American Century Investment Management, Inc. and T. Rowe Price Associates, Inc. and T. Rowe Price Investment Management, Inc.	0.88%	None	0.88%	9.20%	-2.35%	11.01%
	Small Cap Index Fund^{2, 5} Adviser: VALIC Sub-Adviser: BlackRock	0.36%	None	0.36%	12.23%	5.69%	9.27%
	Small Cap Value Fund^{2, 5} Adviser: VALIC Sub-Adviser: JPMIM	0.85%	None	0.85%	12.16%	9.55%	8.54%
Global Equity (International and Domestic)	Global Strategy Fund^{2, 5} Adviser: VALIC Sub-Advisers: Franklin Advisers, Inc. and Brandywine Global Investment Management LLC	0.63%	None	0.63%	20.73%	7.18%	5.85%
	International Socially Responsible Fund^2, 5 Adviser: VALIC Sub-Adviser: BlackRock	0.57%	None	0.57%	27.32%	7.80%	9.10%
International Equity	Emerging Economies Fund² Adviser: VALIC Sub-Adviser: BlackRock	0.99%	None	0.99%	30.11%	4.19%	8.04%
	International Equities Index Fund^{2, 5} Adviser: VALIC Sub-Adviser: BlackRock	0.39%	None	0.39%	30.81%	8.47%	7.82%
	International Growth Fund^{2, 5} Adviser: VALIC Sub-Advisers: MSIM Inc.	0.82%	None	0.82%	16.07%	1.86%	8.33%
	International Opportunities Fund^{2, 5} Adviser: VALIC Sub-Advisers: Invesco and Wellington Management	1.05%	None	1.05%	27.46%	2.74%	6.76%
	International Value Fund^{2, 5} Adviser: VALIC Sub-Advisers: GSAM and Columbia Management Investment Advisers, LLC	0.78%	None	0.78%	39.97%	10.60%	8.10%

Page 33 of 35


				Current Expenses	Average Annual Total Returns (as of Dec. 31, 2025)
Type/ Investment Objective	Portfolio Company and Adviser/Subadviser(s)¹	Current Expenses	Platform Charge⁶	+ Platform Charge	1 Year	5 Year	10 Year (or life of fund)
Specialty	Global Real Estate Fund² Adviser: VALIC Sub-Advisers: Duff & Phelps Investment Management Co.	0.88%	None	0.88%	7.70%	1.77%	3.39%
	Invesco Balanced-Risk Commodity Strategy Fund^3, 5 – Class R5 Adviser: Invesco Advisers, Inc.	1.05%	None	1.05%	18.94%	9.41%	6.23%
	Science & Technology Fund^{2, 5} Adviser: VALIC Sub-Advisers: Voya IM and BlackRock	0.91%	None	0.91%	22.57%	11.59%	18.92%
Hybrid (Equity and Fixed Income)	Aggressive Allocation Lifestyle Fund^{2, 5} Adviser: VALIC Sub-Adviser: JPMIM	0.56%	None	0.56%	16.94%	8.73%	9.38%
	Asset Allocation Fund^{2, 5} Adviser: VALIC Sub-Adviser: JPMIM	0.66%	None	0.66%	11.50%	8.17%	7.75%
	Conservative Allocation Lifestyle Fund^{2, 5} Adviser: VALIC Sub-Adviser: JPMIM	0.60%	None	0.60%	11.79%	4.34%	5.85%
	Dynamic Allocation Fund^{2, 5} Adviser: VALIC Sub-Advisers: AllianceBernstein L.P.	0.75%	None	0.75%	11.33%	5.60%	7.49%
	Moderate Allocation Lifestyle Fund^{2, 5} Adviser: VALIC Sub-Adviser: JPMIM	0.57%	None	0.57%	14.40%	7.01%	8.10%
	T. Rowe Price Retirement 2015 Fund³ – Advisor Class Adviser: T. Rowe Price	0.74%	None	0.74%	11.83%	5.05%	6.89%
	T. Rowe Price Retirement 2020 Fund³ – Advisor Class Adviser: T. Rowe Price	0.76%	None	0.76%	12.23%	5.34%	7.42%
	T. Rowe Price Retirement 2025 Fund³ – Advisor Class Adviser: T. Rowe Price	0.78%	None	0.78%	12.71%	5.76%	8.03%
	T. Rowe Price Retirement 2030 Fund³ – Advisor Class Adviser: T. Rowe Price	0.80%	None	0.80%	14.10%	6.51%	8.77%
	T. Rowe Price Retirement 2035 Fund³ – Advisor Class Adviser: T. Rowe Price	0.83%	None	0.83%	15.84%	7.42%	9.50%
	T. Rowe Price Retirement 2040 Fund³ – Advisor Class Adviser: T. Rowe Price	0.84%	None	0.84%	17.16%	8.17%	10.12%
	T. Rowe Price Retirement 2045 Fund³– Advisor Class Adviser: T. Rowe Price	0.85%	None	0.85%	18.23%	8.77%	10.55%
	T. Rowe Price Retirement 2050 Fund³ – Advisor Class Adviser: T. Rowe Price	0.87%	None	0.87%	18.53%	8.95%	10.63%

Page 34 of 35


				Current Expenses	Average Annual Total Returns (as of Dec. 31, 2025)
Type/ Investment Objective	Portfolio Company and Adviser/Subadviser(s)¹	Current Expenses	Platform Charge⁶	+ Platform Charge	1 Year	5 Year	10 Year (or life of fund)
	T. Rowe Price Retirement 2055 Fund³ – Advisor Class Adviser: T. Rowe Price	0.88%	None	0.88%	18.70%	8.97%	10.63%
	T. Rowe Price Retirement 2060 Fund³ – Advisor Class Adviser: T. Rowe Price	0.89%	None	0.89%	18.63%	8.96%	10.62%
	T. Rowe Price Retirement 2065 Fund³ – Advisor Class Adviser: T. Rowe Price	0.89%	None	0.89%	18.61%	9.11%	10.90%
	T. Rowe Price Retirement 2070 Fund³ – Advisor Class Adviser: T. Rowe Price	0.89%	None	0.89%	21.26%	N/A	22.55%*
	Vanguard LifeStrategy 40/60 Fund^{3, 4} – Investor Shares Adviser: The Vanguard Group, Inc.	0.10%	0.25%	0.35%	12.86%	4.24%	6.12%
	Vanguard LifeStrategy 80/20 Fund^{3, 4} – Investor Shares Adviser: Vanguard	0.10%	0.25%	0.35%	19.63%	8.76%	10.03%
	Vanguard LifeStrategy 60/40 Fund^{3, 4} – Investor Shares Adviser: Vanguard	0.10%	0.25%	0.35%	16.24%	6.49%	8.09%
	Vanguard Wellington Fund³ – Investor Shares Adviser: Wellington Management	0.25%	0.25%	0.50%	16.48%	9.28%	10.02%
Fixed Income	Core Bond Fund² Adviser: VALIC Sub-Advisers: PineBridge Investments LLC and JPMIM	0.48%	None	0.48%	7.64%	-0.16%	2.36%
Fixed Income	Goldman Sachs VIT Government Money Market Fund⁵ – Institutional Shares Adviser: Goldman Sachs	0.18%	None	0.18%	4.20%	3.18%	2.11%
	Government Securities Fund² Adviser: VALIC Sub-Adviser: JPMIM	0.56%	None	0.56%	6.66%	-0.49%	1.41%
	High Yield Bond Fund^{2, 5} Adviser: VALIC Sub-Adviser: Wellington Management Company LLP.	0.68%	None	0.68%	9.37%	4.20%	5.92%
	Inflation Protected Fund^{2, 5} Adviser: VALIC Sub-Adviser: Wellington Management	0.53%	None	0.53%	6.00%	1.06%	2.86%
	International Government Bond Fund² Adviser: VALIC Sub-Adviser: PineBridge Investments LLC.	0.77%	None	0.77%	9.15%	-2.01%	1.64%
	Vanguard Long-Term Investment-Grade Fund³ – Investor Shares Advisers: Wellington Management and Vanguard	0.21%	None	0.21%	7.18%	-3.74%	2.68%
	Vanguard Long-Term Treasury Fund³ – Investor Shares Adviser: Vanguard	0.20%	None	0.20%	5.54%	-7.30%	-0.04%

Page 35 of 35

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