帝国富达投资可变年金账户A更新个人退休年金招募说明书
EMPIRE FIDELITY INVESTMENTS VARIABLE ANNUITY ACCOUNT A (0000878467) (Filer)
Empire Fidelity Investments Life Insurance Company 更新个人退休年金的招募说明书补充文件：自2026年11月1日起，Fidelity VIP Investor Freedom投资组合的当前费用和相关回报数据有所调整。自2026年11月14日起，合同将不再接受从富达共同基金账户支付购买款项；文件列出各组合截至2025年12月31日的年均总回报。
SUPPLEMENT DATED NOVEMBER 1, 2026
TO THE SUMMARY PROSPECTUS, UPDATING SUMMARY PROSPECTUS AND STATUTORY PROSPECTUS DATED APRIL 30, 2026
OF PERSONAL RETIREMENT ANNUITY
ISSUED BY EMPIRE FIDELITY INVESTMENTS LIFE INSURANCE COMPANY
®
(“EFILI”)
This supplement should be read, retained, and used in conjunction with the Summary Prospectus, Updating Summary Prospectus, and Statutory Prospectus (collectively, the “Prospectuses”) of Personal Retirement Annuity.
Effective November 1, 2026, current expenses for the Fidelity® VIP Investor Freedom Portfolios have changed.
The information in APPENDIX A: FUNDS AVAILABLE UNDER THE CONTRACT relating to the Fidelity® VIP Investor FreedomSM Portfolios is replaced with the following:
| Investment Objective | Fund & Adviser/Subadviser |
Current Expenses |
Average Annual Total Returns (as of 12/31/25) | |||||||
| 1 year | 5 year | 10 year | ||||||||
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond | Fidelity® VIP Investor FreedomSM 2010 Portfolio Adviser: Fidelity Management & Research Company LLC |
0.37% | 10.57% | 3.11% | 5.68% | |||||
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond | Fidelity® VIP Investor FreedomSM 2015 Portfolio Adviser: Fidelity Management & Research Company LLC |
0.40% | 11.87% | 3.95% | 6.55% | |||||
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond | Fidelity® VIP Investor FreedomSM 2020 Portfolio Adviser: Fidelity Management & Research Company LLC |
0.44% | 13.29% | 4.79% | 7.33% | |||||
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond | Fidelity® VIP Investor FreedomSM 2025 Portfolio Adviser: Fidelity Management & Research Company LLC |
0.47% | 14.44% | 5.46% | 7.95% | |||||
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond | Fidelity® VIP Investor FreedomSM 2030 Portfolio Adviser: Fidelity Management & Research Company LLC |
0.51% | 15.37% | 6.18% | 8.81% | |||||
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond | Fidelity® VIP Investor FreedomSM 2035 Portfolio Adviser: Fidelity Management & Research Company LLC |
0.55% | 16.61% | — | — | |||||
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Investment Objective |
Fund & Adviser/Subadviser |
Current |
Average Annual Total Returns (as of 12/31/25) | |||||||
1 year |
5 year |
10 year | ||||||||
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond | Fidelity® VIP Investor FreedomSM 2040 Portfolio Adviser: Fidelity Management & Research Company LLC |
0.60% | 18.69% | — | — | |||||
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond | Fidelity® VIP Investor FreedomSM 2045 Portfolio Adviser: Fidelity Management & Research Company LLC |
0.64% | 19.69% | — | — | |||||
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond | Fidelity® VIP Investor FreedomSM 2050 Portfolio Adviser: Fidelity Management & Research Company LLC |
0.64% | 19.73% | — | — | |||||
| Seeks high total return with a secondary objective of principal preservation | Fidelity® VIP Investor Freedom RetirementSM Portfolio† Adviser: Fidelity Management & Research Company LLC |
0.37% | 9.63% | 2.31% | 4.40% | |||||
| † | Prior to April 30, 2026, the fund was named Fidelity ® VIP Investor Freedom Income Portfolio. |
Effective November 14, 2026, we are discontinuing the ability to fu
n
d Purchase Payments to the Contract from a Fidelity mutual fund account.
All references to a Fidelity mutual fund account have been removed.
More information about the Funds is available in the prospectuses for the Funds, which may be amended from time to time and can be found online at www.dfinview.com/Fidelity/PUFT/PRA. You can also request this information at no cost by calling 1-800-634-9361 or by sending an email request to [email protected].
THIS SUPPLEMENT SHOULD BE READ AND RETAINED FOR FUTURE REFERENCE
If you have questions, or if you would like to discuss allocation options, please contact a Fidelity Annuity Service Specialist at
800-634-9361,
Monday through Friday, 8:30 a.m. to 7:30 p.m. Eastern time.
PRA 26-01 |
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