Form 497VPI variable contract initial summary prospectuses

Form 497VPI initial summary prospectuses for variable annuity and variable life contracts, filed under Rule 498A since 2021.

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6,951filings on EDGAR

2021first filed

1,461filed in 2026

2026-10-09latest filing

curl -H "Authorization: Bearer $SECFEED_KEY" \
  "https://secfeedapi.com/v1/filings?query=formType:%22497VPI%22&size=2"

import os, requests

r = requests.get(
    "https://secfeedapi.com/v1/filings",
    params={'query': 'formType:"497VPI"', 'size': '2'},
    headers={"Authorization": f"Bearer {os.environ['SECFEED_KEY']}"},
)
print(r.json())

What is 497VPI?

Rule 498A, adopted in 2020, lets insurers give new investors a short initial summary prospectus for a variable annuity or variable life contract instead of the full prospectus. Those summaries are filed on EDGAR as 497VPI.

Each one opens with a standardized key information table covering fees, risks, restrictions, taxes and conflicts, which makes contracts comparable across insurers.

Who files

Insurance company separate accounts registered on Forms N-3, N-4 or N-6 that use summary prospectuses.

When it is filed

No later than first use, typically with the annual update of the contract's registration statement.

Filings per year

Every 497VPI filing on EDGAR, counted from the SecFeed index. Updated daily.

What is inside

Section	Contents
Key information table	Charges for early withdrawals, ongoing fees, risks, restrictions, taxes and conflicts of interest.
Overview of the contract	Purpose, phases and primary features.
Benefits	Standard and optional benefits and their costs.
Buying and surrendering	Purchase payments and how to access your money.
Investment options	Appendix listing the portfolio companies available.

Get 497VPI data with SecFeed

Search the filings with formType:"497VPI", read any document as text or PDF, and use these APIs for structured data:

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Latest 497VPI filings

Company	Form	Filed
KANSAS CITY LIFE VARIABLE LIFE SEPARATE ACCOUNT	`497VPI`	2026-10-09	EDGAR ↗
KANSAS CITY LIFE VARIABLE ANNUITY SEPARATE ACCOUNT	`497VPI`	2026-10-09	EDGAR ↗
KANSAS CITY LIFE VARIABLE ANNUITY SEPARATE ACCOUNT	`497VPI`	2026-10-09	EDGAR ↗
KANSAS CITY LIFE VARIABLE ANNUITY SEPARATE ACCOUNT	`497VPI`	2026-10-09	EDGAR ↗
KANSAS CITY LIFE VARIABLE ANNUITY SEPARATE ACCOUNT	`497VPI`	2026-10-09	EDGAR ↗
MIDLAND NATIONAL LIFE SEPARATE ACCOUNT C	`497VPI`	2026-10-09	EDGAR ↗
GUARDIAN SEPARATE ACCT N OF THE GUARDIAN INS & ANNUITY CO	`497VPI`	2026-10-09	EDGAR ↗
NATIONWIDE VARIABLE ACCOUNT 4	`497VPI`	2026-10-08	EDGAR ↗

Use cases

Compare variable contract fees across insurers
Monitor new variable product launches

Related forms

497VPUVariable updating summary

Form 497VPU updating summary prospectuses sent each year to existing variable annuity and variable life contract owners.

N-4Variable annuity accounts

Form N-4 registration statements for insurance company separate accounts that offer variable annuity contracts.

N-6Variable life accounts

Form N-6 registration statements for insurance company separate accounts that offer variable life insurance policies.

FAQ

What is the difference between 497VPI and 497VPU?

The initial summary prospectus (497VPI) is for new investors. The updating summary prospectus (497VPU) goes to existing contract owners each year.

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