NOTICE DOCUMENT
NSCORE LITE II VARIABLE ANNUITY
Issued by
NATIONAL SECURITY LIFE AND ANNUITY COMPANY
through
NATIONAL SECURITY VARIABLE ACCOUNT N
May 1, 2025
This Notice Document summarizes certain key features of NScore Lite II, an individual, flexible premium variable annuity contract. The contract is issued by National Security Life and Annuity Company. The Notice Document also provides a summary of contract features that have changed since April 30, 2024.
You can find other information about the NScore Lite II contract online at nslac.com/variableproducts. You can also obtain this information at no cost by calling 877.446.6020 or by sending an email request to NSCustService@nslac.com.
Additional information about certain investment products, including variable annuities, has been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov.
TABLE OF CONTENTS 
2
3
4
7
Form 6726-UN-NSLAC
1
Glossary
Contract Value – Contract Value is determined by multiplying the total number of units (for each subaccount) credited to the contract by the unit value (for such subaccount) for the current valuation period and adding to that any amount in the Fixed Accumulation Account or a DCA account.
DCA – Dollar cost averaging.
Enhanced DCA Account – An account available for purchase payments, subject to certain limitations, that provides a fixed interest rate that is higher than the rate being credited to the Fidelity® VIP Government Money Market Portfolio.

Fund - A mutual fund in which subaccount assets may be invested. See Appendix A. 
National Security – National Security Life and Annuity Company, the depositor of the contract.
Subaccount – A subdivision of VAN. The assets of each subaccount are invested in a corresponding available Fund.
Surrender – To redeem the contract before annuity payments begin and receive its value minus any applicable surrender charge or other charges.
Valuation Period – The period of time from one determination of variable subaccount unit and annuity unit values to their next determination. A valuation period usually ends at 4:00 p.m. Eastern time on each day the New York Stock Exchange is open for unrestricted trading. The valuation period may end sooner to correspond to earlier closing of the New York Stock Exchange. Accumulation unit and annuity unit values for each annuity period are determined at the end of that valuation period.
VAN – National Security Variable Account N, a separate account of National Security consisting of assets segregated from National Security’s general assets for the purpose of funding annuity contracts whose values vary with the investment results of the separate account’s underlying Funds.
We, Us, Our – We, us and our refer to National Security.
You – You means the owner(s) of the contract or the last surviving owner’s estate if all owners are deceased.
Form 6726-UN-NSLAC
2
Summary of Contract Features That Have Changed
The information in this Notice Document is a summary of certain contract features that have changed since April 30, 2024. This may not reflect all of the changes that have occurred since you entered into your contract.
Fee Changes
The following shows the minimum and maximum total operating expenses deducted from the assets of the Funds
(before any fee waiver or expense reimbursement): 
Annual Fee
Minimum
Maximum
Investment options
(Fund fees and expenses)
0.35%
2.44%
Fund Changes
•Effective August 1, 2024, the adviser for Federated Hermes Kaufmann Fund II portfolio changed from Federated Equity Management Company of Pennsylvania to Federated Global Investment Management Corp. Federated Global Investment Management Corp. was removed as subadviser.
•On November 25, 2024, AVIP AB Risk Managed Balanced Portfolio was renamed AVIP Constellation Dynamic Risk Balanced Portfolio. AllianceBernstein L.P. is no longer the sub-adviser to the Portfolio.
•On November 25, 2024, AVIP iShares Managed Risk Balanced Portfolio, AVIP iShares Managed Risk Moderate Growth Portfolio, and AVIP iShares Managed Risk Growth Portfolio were renamed AVIP Constellation Managed Risk Balanced Portfolio, AVIP Constellation Managed Risk Moderate Growth Portfolio, and AVIP Constellation Managed Risk Growth Portfolio, respectively. BlackRock Investment Management, LLC. is no longer the sub-adviser to the Portfolios. 
Form 6726-UN-NSLAC
3
Important Information You Should Consider About the Contract 
 
FEES AND EXPENSES
Charges for Early
Withdrawal
If you withdraw money from your contract within 4 years following your last purchase payment,
you will be assessed a surrender charge. The maximum surrender charge is 7% of total purchase
payment, minus all previous withdrawals, during the first three years, declining down to 0% over
the 4 years. For example, if you make an early withdrawal within the first year, you could pay a
withdrawal charge of up to $7,000 on a $100,000 investment. During each contract year, you
may withdraw not more than 10% of the Contract Value (as of the day of the first withdrawal
made during that contract year) without a surrender charge.
Transaction Charges
In addition to surrender charges, you may also be charged for other transactions, such as when
you transfer Contract Value between investment options more than 12 times per contract year,
or for special requests (such as wire transfers or overnight mail).
Ongoing Fees and
Expenses
(annual charges)
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.
 
ANNUAL FEE
MINIMUM
MAXIMUM
1. Base Contract
1.55%1
1.55%1
2. Investment options (Fund fees and
expenses)
0.35%2
2.28%2
3. Optional benefits available for an additional
charge (for a single optional benefit, if elected)
0.15%3
1.35%3
 
Because your contract is customizable, the choices you make affect how much you will pay. To
help you understand the cost of owning your contract, the following table shows the lowest and
highest cost you could pay each year, based on current charges. This estimate assumes that you
do not take withdrawals from the contract, which could add surrender charges that substantially
increase costs.
 
LOWEST ANNUAL COST ESTIMATE:
$1,669
HIGHEST ANNUAL COST ESTIMATE:
$5,650
 
Assumes:
●Investment of $100,000
●5% annual appreciation
●Least expensive combination of contract
classes and Fund fees and expenses
●No optional benefits
●No sales charges
●No additional purchase payments,
transfers or withdrawals
Assumes:
●Investment of $100,000
●5% annual appreciation
●Most expensive combination of contract
classes, optional benefits, and Fund fees
and expenses
●No sales charges
●No additional purchase payments, transfers
or withdrawals
Form 6726-UN-NSLAC
4
 
RISKS
Risk of Loss
You can lose money by investing in this contract.
Not a Short-Term
Investment
This contract is not designed for short-term investing and is not appropriate for an investor who
needs ready access to cash.
Surrender charges apply for 4 years following your last purchase payment. They will reduce the
value of your contract if you withdraw money during that time. The benefits of tax deferral and
living benefit protections also mean the contract is more beneficial to investors with a long time
horizon.
Risks Associated
with Investment
Options
An investment in this contract is subject to the risk of poor investment performance and can
vary depending on the performance of the investment options you choose.
Each investment option (including the Fixed Accumulation Account and the Enhanced DCA
Account) has its own unique risks.
You should review the prospectuses for the available Funds before making an investment
decision.
Insurance Company
Risks
Any obligations, guarantees, and benefits of the contract are subject to the claims-paying ability
of National Security. More information about National Security, including our financial strength
ratings, is available upon request by calling us at 877.446.6020.
RESTRICTIONS
Investment(s)
We reserve the right to charge $10 for each transfer when you transfer money between
subaccounts in excess of 12 times in a contract year.
We reserve the right to limit transfers in circumstances of frequent or large transfers.
We reserve the right to remove, close or substitute Funds as investment options that are
available under the contract.
Optional Benefits
Certain optional benefits limit or restrict the investment options that you may select under the
contract. We may change the investment restrictions in the future, including limiting the
investment options available with the optional benefit.
Certain optional benefits could limit subsequent purchase payments.
Certain benefits may limit withdrawals or other rights under the contract. Under certain
benefits, withdrawals may reduce the value of an optional benefit by an amount greater than
the value withdrawn, which could significantly reduce the value of or even terminate the
benefit.
TAXES
Tax Implications
Consult with a tax professional to determine the tax implications of an investment in and
purchase payments received under this contract.
If you purchase 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 59 ½.
CONFLICTS OF INTEREST
Investment
Professional
Compensation
Although the contracts are no longer offered for new sales, firms and their registered
representatives that sold the contracts may still be paid for those sales. Your investment
professional may receive compensation for having sold this contract to you in the form of
commissions, service fees, additional cash benefits (e.g. bonuses), and non-cash compensation.
Accordingly, investment professionals may have had a financial incentive to offer or
recommend this contract over another investment.
Form 6726-UN-NSLAC
5
Exchanges
Some investment professionals may have a financial incentive to offer you a new contract in
place of the one you own. You should only consider exchanging your contract if you determine,
after comparing the features, fees, and risks of both contracts, that it is in your best interest to
purchase the new contract rather than continue to own your existing contract.
1
As a percentage of average Contract Value in the separate account.
2
As a percentage of average Fund net assets.
3    The minimum fee reflects the current charge for the least expensive optional benefit, the GEB, calculated as an annualized percentage of the Contract Value on a contract anniversary. The maximum fee reflects the current charge for the most expensive optional benefit, the Joint GLWB Plus, calculated as an annualized percentage of the amount that is guaranteed under the optional benefit.
Form 6726-UN-NSLAC
6
Appendix A - Funds Available Under the Contract
The following is a list of Funds available under the contract, which is subject to change, as discussed in the prospectus. Depending on the optional benefits you choose, you may not be able to invest in certain Funds. You can find the prospectuses and other information about the Funds online at nslac.com/variableproducts. You can also request this information at no cost by calling 877.446.6020 or by sending an email request to NSCustService@nslac.com.
The current expenses and performance information below reflects fees and expenses of the Funds, but does not reflect the other fees and expenses that your contract may charge. Expenses would be higher and performance would be lower if these charges were included. Each Fund’s past performance is not necessarily an indication of future performance. 
Type/Investment
Objective
Fund and Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2024)
1 year
5 year
10 year
Allocation
AB VPS Global Risk Allocation-Moderate Portfolio
(Class B)
Adviser: AllianceBernstein L.P.
0.78%*
12.28%
4.90%
N/A
Large Cap Value
Equity
AB VPS Relative Value Portfolio (Class B)(1)
Adviser: AllianceBernstein L.P.
0.86%
12.76%
9.54%
9.39%
Small Cap Growth
Equity
AB VPS Small Cap Growth Portfolio (Class B)
Adviser: AllianceBernstein L.P.
1.15%*
18.44%
7.28%
10.33%
Mid Cap Growth
Equity
AVIP AB Mid Cap Core Portfolio
Adviser: Constellation Investments, Inc.
Subadviser: AllianceBernstein L.P.
0.92%
14.21%
7.36%
8.74%
Small Cap Growth
Equity
AVIP AB Small Cap Portfolio
Adviser: Constellation Investments, Inc.
Subadviser: AllianceBernstein L.P.
0.88%
13.82%
6.63%
8.13%
Allocation
AVIP Balanced Model Portfolio
Adviser: Constellation Investments, Inc.
0.98%
9.67%
5.86%
N/A
Foreign Large Cap
Blend Equity
AVIP BlackRock Advantage International Equity
Portfolio
Adviser: Constellation Investments, Inc.
Subadviser: BlackRock Investment Management, LLC
0.86%
6.29%
5.79%
5.24%
Large Cap Blend
Equity
AVIP BlackRock Advantage Large Cap Core Portfolio
Adviser: Constellation Investments, Inc.
Subadviser: BlackRock Investment Management, LLC
0.70%
26.27%
14.05%
11.96%
Large Cap Growth
Equity
AVIP BlackRock Advantage Large Cap Growth
Portfolio
Adviser: Constellation Investments, Inc.
Subadviser: BlackRock Investment Management, LLC
0.71%
31.07%
16.12%
13.92%
Large Cap Value
Equity
AVIP BlackRock Advantage Large Cap Value Portfolio
Adviser: Constellation Investments, Inc.
Subadviser: BlackRock Investment Management, LLC
0.74%
15.76%
9.20%
8.42%
Small Cap Growth
Equity
AVIP BlackRock Advantage Small Cap Growth
Portfolio
Adviser: Constellation Investments, Inc.
Subadviser: BlackRock Investment Management, LLC
0.87%
10.29%
6.50%
7.80%
Allocation
AVIP BlackRock Balanced Allocation Portfolio
Adviser: Constellation Investments, Inc.
Subadviser: BlackRock Investment Management, LLC
0.57%
19.50%
10.21%
9.37%
Form 6726-UN-NSLAC
7
Type/Investment
Objective
Fund and Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2024)
1 year
5 year
10 year
Corporate Bond
AVIP Bond Portfolio
Adviser: Constellation Investments, Inc.
0.61%
2.38%
0.30%
2.39%
Allocation
AVIP Constellation Dynamic Risk Balanced
Portfolio(2)
Adviser: Constellation Investments, Inc.
0.88%
12.51%
6.67%
7.53%
Allocation
AVIP Constellation Managed Risk Balanced
Portfolio(3)
Adviser: Constellation Investments, Inc.
0.66%
9.16%
N/A
N/A
Allocation
AVIP Constellation Managed Risk Growth Portfolio(3)
Adviser: Constellation Investments, Inc.
0.67%
14.86%
N/A
N/A
Allocation
AVIP Constellation Managed Risk Moderate Growth
Portfolio(3)
Adviser: Constellation Investments, Inc.
0.65%
11.51%
N/A
N/A
Intermediate
Core-Plus Bond
AVIP Federated Core Plus Bond Portfolio
Adviser: Constellation Investments, Inc.
Subadviser: Federated Investment Management
Company
0.58%
1.71%
N/A
N/A
High Yield Bond
AVIP Federated High Income Bond Portfolio
Adviser: Constellation Investments, Inc.
Subadviser: Federated Investment Management
Company
0.86%
6.45%
3.45%
4.60%
Large Cap Growth
Equity
AVIP Fidelity Institutional AM® Equity Growth
Portfolio
Adviser: Constellation Investments, Inc.
Subadviser: FIAM LLC
0.79%
30.68%
14.71%
15.16%
Allocation
AVIP Growth Model Portfolio
Adviser: Constellation Investments, Inc.
0.99%
13.75%
9.01%
N/A
Large Cap Blend
Equity
AVIP Intech U.S. Low Volatility Portfolio
Adviser: Constellation Investments, Inc.
Subadviser: Intech Investment Management LLC
0.61%
20.04%
N/A
N/A
Allocation
AVIP Moderate Growth Model Portfolio
Adviser: Constellation Investments, Inc.
0.96%
12.13%
7.56%
N/A
Allocation
AVIP Moderately Conservative Model Portfolio
Adviser: Constellation Investments, Inc.
1.01%
7.77%
4.21%
N/A
Large Cap Growth
Equity
AVIP Nasdaq-100® Index Portfolio
Adviser: Constellation Investments, Inc.
Subadviser: Geode Capital Management LLC
0.43%
25.37%
19.71%
18.02%
Large Cap Blend
Equity
AVIP S&P 500® Index Portfolio
Adviser: Constellation Investments, Inc.
Subadviser: Geode Capital Management LLC
0.38%
24.57%
14.09%
12.65%
Mid Cap Blend
Equity
AVIP S&P MidCap 400® Index Portfolio
Adviser: Constellation Investments, Inc.
Subadviser: Geode Capital Management LLC
0.40%
13.43%
9.81%
8.06%
Large Cap Blend
Equity
BNY Mellon Appreciation Portfolio (Service Class)
Adviser: BNY Mellon Investment Adviser, Inc.
1.10%
12.48%
11.65%
11.28%
Form 6726-UN-NSLAC
8
Type/Investment
Objective
Fund and Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2024)
1 year
5 year
10 year
Equity
ClearBridge Variable Dividend Strategy Portfolio
(Class I)
Adviser: Legg Mason Partners Fund Advisor, LLC
Subadviser: ClearBridge Investments, LLC
0.75%
16.85%
10.85%
10.64%
Equity
ClearBridge Variable Large Cap Value Portfolio
(Class I)
Adviser: Legg Mason Partners Fund Advisor, LLC
Subadviser: ClearBridge Investments, LLC
0.72%
8.08%
9.10%
8.63%
Mid Cap Growth
Equity
Federated Hermes Kaufmann Fund II (Service Class)
Adviser: Federated Global Investment Management
Corp.(4)
1.81%
16.78%
4.21%
9.09%
Large Cap Value
Equity
Fidelity® VIP Equity-Income PortfolioSM (Service
Class 2)
Adviser: Fidelity Management & Research Company
0.72%
15.06%
9.80%
8.94%
Money Market
Fidelity® VIP Government Money Market Portfolio
(Service Class)
Adviser: Fidelity Management & Research Company
Subadviser: Fidelity Investments Money
Management, Inc.
0.35%
4.98%
2.26%
1.55%
Large Cap Growth
Equity
Fidelity® VIP Growth Portfolio (Service Class 2)
Adviser: Fidelity Management & Research Company
0.81%
30.07%
18.63%
16.34%
Mid Cap Blend
Equity
Fidelity® VIP Mid Cap Portfolio (Service Class 2)
Adviser: Fidelity Management & Research Company
0.82%
17.18%
11.05%
8.94%
Real Estate Equity
Fidelity® VIP Real Estate Portfolio (Service Class 2)
Adviser: Fidelity Management & Research Company
0.86%
6.25%
1.94%
3.67%
Allocation
Fidelity® VIP Target Volatility Portfolio (Service Class
2)
Adviser: Fidelity Management & Research Company
0.84%*
9.80%
5.20%
5.65%
Allocation
Franklin Allocation VIP Fund (Class 4)
Adviser: Franklin Advisers, Inc.
Subadviser: Templeton Global Advisors Limited,
Franklin Templeton Institutional, LLC, ClearBridge
Investments, LLC, Brandywine Global Investment
Management, LLC, Western Asset Management
Company, LLC, Western Asset Management
Company Limited
0.92%*
8.89%
5.45%
5.25%
Allocation
Franklin DynaTech VIP Fund (Class 4)
Adviser: Franklin Advisers, Inc.
0.97%
30.29%
13.51%
12.57%
Allocation
Franklin Income VIP Fund (Class 4)
Adviser: Franklin Advisers, Inc.
0.82%*
7.08%
5.17%
5.15%
Allocation
Franklin Templeton Foreign VIP Fund (Class 4)
Adviser: Templeton Investment Counsel, LLC
1.16%*
-1.08%
2.49%
2.28%
Allocation
Franklin VolSmart Allocation VIP Fund (Class 5)
Adviser: Franklin Advisers, Inc.
0.90%*
11.68%
8.42%
6.80%
Large Cap Blend
Equity
Goldman Sachs Strategic Growth Fund (Service
Class)
Adviser: Goldman Sachs Asset Management, L.P.
0.96%*
32.09%
16.48%
14.63%
Form 6726-UN-NSLAC
9
Type/Investment
Objective
Fund and Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2024)
1 year
5 year
10 year
Allocation
Goldman Sachs Trend Driven Allocation Fund
(Service Class)
Adviser: Goldman Sachs Asset Management, L.P.
0.96%*
11.76%
4.78%
4.16%
Large Cap Blend
Equity
Goldman Sachs U.S. Equity Insights Fund (Service
Class)
Adviser: Goldman Sachs Asset Management, L.P.
0.77%*
28.00%
13.92%
11.83%
Foreign Large Cap
Growth Equity
Invesco V.I. EQV International Equity Fund (Series II)
Adviser: Invesco Advisers, Inc.
1.15%
0.34%
2.97%
4.10%
Allocation
Janus Henderson Balanced Portfolio (Service Class)
Adviser: Janus Henderson Investors US LLC
0.87%
15.15%
8.06%
8.39%
Fixed Income
Janus Henderson Flexible Bond Portfolio (Service
Class)
Adviser: Janus Henderson Investors US LLC
0.82%*
1.63%
0.09%
1.35%
Equity
Janus Henderson Global Research Portfolio (Service
Class)
Adviser: Janus Henderson Investors US LLC
0.97%
23.27%
12.07%
10.27%
Equity
Janus Henderson Overseas Portfolio (Service Class)
Adviser: Janus Henderson Investors US LLC
1.13%
5.58%
6.94%
5.29%
Equity
Janus Henderson Research Portfolio (Service Class)
Adviser: Janus Henderson Investors US LLC
0.92%
34.96%
16.48%
14.24%
Equity
Lazard Retirement Emerging Markets Equity
Portfolio (Service Class)
Adviser: Lazard Asset Management LLC
1.40%*
7.43%
3.03%
3.26%
Allocation
Lazard Retirement Global Dynamic Multi-Asset
Portfolio (Service Class)
Adviser: Lazard Asset Management LLC
1.05%*
8.60%
2.33%
4.35%
Equity
Lazard Retirement International Equity Portfolio
(Service Class)
Adviser: Lazard Asset Management LLC
1.09%*
5.63%
3.57%
3.99%
Equity
Lazard Retirement US Small Cap Equity Select
Portfolio (Service Class)
Adviser: Lazard Asset Management LLC
1.12%*
11.12%
5.74%
6.73%
Equity
LVIP JPMorgan Small Cap Core Fund (Standard
Class)(1)
Adviser: Lincoln Financial Investments Corporation
Subadviser: J.P. Morgan Investment
Management Inc.
0.75%
11.71%
7.05%
7.30%
Allocation
Macquarie VIP Asset Strategy Series (Service Class)
Adviser: Delaware Management Company
Subadviser: Securian Asset Management, Inc.
0.85%*
12.44%
6.55%
5.27%
Natural Resources
Equity
Macquarie VIP Natural Resources Series (Service
Class)
Adviser: Delaware Management Company
Subadviser: Securian Asset Management, Inc.
1.25%*
-0.58%
5.80%
0.98%
Form 6726-UN-NSLAC
10
Type/Investment
Objective
Fund and Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2024)
1 year
5 year
10 year
Technology Equity
Macquarie VIP Science and Technology Series
(Service Class)
Adviser: Delaware Management Company
Subadviser: Securian Asset Management, Inc.
1.16%
30.59%
14.04%
13.54%
Large Cap Growth
Equity
MFS® Massachusetts Investors Growth Stock
Portfolio (Service Class)
Adviser: Massachusetts Financial Services Company
0.97%*
15.98%
12.15%
12.90%
Mid Cap Growth
Equity
MFS® Mid Cap Growth Series (Service Class)
Adviser: Massachusetts Financial Services Company
1.05%*
14.44%
8.85%
11.43%
Small Cap Growth
Equity
MFS® New Discovery Series (Service Class)
Adviser: Massachusetts Financial Services Company
1.12%*
6.44%
4.71%
8.92%
Allocation
MFS® Total Return Series (Service Class)
Adviser: Massachusetts Financial Services Company
0.86%*
7.46%
5.89%
6.20%
Large Cap Growth
Equity
Morgan Stanley VIF Growth Portfolio (Class II)
Adviser: Morgan Stanley Investment Management,
Inc.
0.82%*
46.20%
13.33%
15.25%
Mid Cap Growth
Equity
Neuberger Berman AMT Mid Cap Intrinsic Value
Portfolio (Class S)
Adviser: Neuberger Berman Investment Advisers LLC
1.25%*
8.67%
6.88%
5.41%
Commodities
PIMCO CommodityRealReturn® Strategy Portfolio
(Administrative Class)
Adviser: Pacific Investment Management
Company LLC
2.28%*
4.16%
7.09%
1.65%
Global Bond
PIMCO Global Bond Opportunities Portfolio
(Unhedged) (Administrative Class)
Adviser: Pacific Investment Management
Company LLC
1.08%
-0.50%
-0.33%
0.82%
Short Term Bond
PIMCO Low Duration Portfolio (Administrative Class)
Adviser: Pacific Investment Management
Company LLC
0.67%
4.50%
1.08%
1.28%
Inflation Protected
Bond
PIMCO Real Return Portfolio (Administrative Class)
Adviser: Pacific Investment Management
Company LLC
1.07%
2.13%
1.93%
2.16%
Ultrashort Bond
PIMCO Short-Term Portfolio (Administrative Class)
Adviser: Pacific Investment Management
Company LLC
0.62%
6.05%
2.76%
2.40%
Small Cap Blend
Equity
Royce Micro-Cap Portfolio (Investment Class)
Adviser: Royce & Associates, LP
1.18%
13.67%
11.00%
7.28%
Small Cap Value
Equity
Royce Small-Cap Portfolio (Investment Class)
Adviser: Royce & Associates, LP
1.14%
3.40%
7.17%
5.63%
 
*
Annual expenses reflect temporary fee reductions.
(1)
Available only in contracts with value allocated to this Fund as of May 1, 2023.
(2)
On November 25, 2024, AVIP AB Risk Managed Balanced Portfolio was renamed AVIP Constellation Dynamic Risk
Balanced Portfolio. AllianceBernstein L.P. is no longer the sub-adviser to the Portfolio.
Form 6726-UN-NSLAC
11
(3)
On November 25, 2024, AVIP iShares Managed Risk Balanced Portfolio, AVIP iShares Managed Risk Moderate
Growth Portfolio, and AVIP iShares Managed Risk Growth Portfolio were renamed AVIP Constellation Managed
Risk Balanced Portfolio, AVIP Constellation Managed Risk Moderate Growth Portfolio, and AVIP Constellation
Managed Risk Growth Portfolio, respectively. BlackRock Investment Management, LLC. is no longer the
sub-adviser to the Portfolios.
(4)
Effective August 1, 2024, the adviser for Federated Hermes Kaufmann Fund II portfolio changed from Federated
Equity Management Company of Pennsylvania to Federated Global Investment Management Corp. Federated
Global Investment Management Corp. was removed as subadviser.
Investment Options Available with Certain Optional Riders
GLWB Preferred I.S.
Allocations: 
 
Minimum
Maximum
Category 1 Investment Options
25%
100%
Any individual investment option
included in Category 1
0%
50%
Category 2 Investment Options
0%
75%
Any individual investment option
included in Category 2
0%
25%
Investment Options: 
CATEGORY 1
AVIP Constellation Dynamic Risk Balanced Portfolio
AVIP Constellation Managed Risk Balanced Portfolio
AVIP Constellation Managed Risk Moderate Growth
Portfolio
AB VPS Global Risk Allocation-Moderate Portfolio
Franklin VolSmart Allocation VIP Fund
CATEGORY 2
AVIP Balanced Model Portfolio
AVIP BlackRock Balanced Allocation Portfolio AVIP
Intech U.S. Low Volatility Portfolio
AVIP Constellation Managed Risk Growth Portfolio
Fidelity® VIP Target Volatility Portfolio
Goldman Sachs Trend Driven Allocation Fund
Janus Henderson Balanced Portfolio
Lazard Retirement Global Dynamic Multi-Asset Portfolio
MFS® Total Return Series
GLWB Plus and GPP (2012) Applied for on or after October 1, 2012
Allocations: 
 
Minimum
Maximum
Category 1 Investment Options
25%
100%
Any individual investment option
included in Category 1
0%
50%
Category 2 Investment Options
0%
75%
Any individual investment option
included in Category 2
0%
25%
Investment Options: 
CATEGORY 1
AVIP Constellation Dynamic Risk Balanced Portfolio
AVIP Constellation Managed Risk Balanced Portfolio
AVIP Constellation Managed Risk Moderate Growth
Portfolio
AB VPS Global Risk Allocation-Moderate Portfolio
Franklin VolSmart Allocation VIP Fund
Form 6726-UN-NSLAC
12
CATEGORY 2
AVIP Balanced Model Portfolio
AVIP BlackRock Balanced Allocation Portfolio AVIP
Intech U.S. Low Volatility Portfolio
AVIP Constellation Managed Risk Growth Portfolio
Fidelity® VIP Target Volatility Portfolio
Goldman Sachs Trend Driven Allocation Fund
Janus Henderson Balanced Portfolio
Lazard Retirement Global Dynamic Multi-Asset Portfolio
MFS® Total Return Series
GLWB Plus and GPP (2012) Applied for prior to October 1, 2012
Allocations: 
 
Minimum
Maximum
Category 1 Investment Options
50%
100%
Category 2 Investment Options
0%
50%
Category 3 Investment Options
0%
50%
Category 4 Investment Options
0%
25%
Investment Options: 
CATEGORY 1
AVIP Constellation Dynamic Risk Balanced Portfolio
AVIP Constellation Managed Risk Balanced Portfolio
AVIP Constellation Managed Risk Moderate Growth
Portfolio
AVIP Constellation Managed Risk Growth Portfolio
AB VPS Global Risk Allocation-Moderate Portfolio
Franklin VolSmart Allocation VIP Fund
CATEGORY 2
AVIP BlackRock Balanced Allocation Portfolio AVIP
Intech U.S. Low Volatility Portfolio
Fidelity® VIP Target Volatility Portfolio
Goldman Sachs Trend Driven Allocation Fund
Lazard Retirement Global Dynamic Multi-Asset Portfolio
GMIB Plus with Annual Reset (2009)
Some or all of your purchase payments or Contract Value may be allocated to the Fixed Accumulation Account. Any portion that is not allocated to the Fixed Accumulation Account must be allocated in accordance with Option 1 or 2.
Option 1 – Select A Single Option
Allocation: 100%
Investment Options:
AVIP Moderately Conservative Model Portfolio
AVIP Balanced Model Portfolio
AVIP Moderate Growth Model Portfolio
Option 2 – Select Multiple Options
Allocations: 
 
Minimum
Maximum
Category 1 Investment Options
30%
60%
Category 2 Investment Options
0%
70%
Category 3 Investment Options
0%
25%
Category 4 Investment Options
0%
15%
Investment Options: 
Form 6726-UN-NSLAC
13
CATEGORY 1
AVIP Bond Portfolio
Fidelity® VIP Government Money Market Portfolio
Janus Henderson Flexible Bond Portfolio
AVIP Federated Core Plus Bond Portfolio
PIMCO Real Return Portfolio
PIMCO Short-Term Portfolio
PIMCO Low Duration Portfolio
CATEGORY 2
AVIP BlackRock Balanced Allocation Portfolio
AVIP S&P 500® Index Portfolio
AVIP BlackRock Advantage Large Cap Value Portfolio
AVIP Nasdaq-100® Index Portfolio
AVIP BlackRock Advantage Large Cap Core Portfolio
AVIP BlackRock Advantage Large Cap Growth Portfolio
AVIP S&P MidCap 400® Index Portfolio
AVIP Constellation Dynamic Risk Balanced Portfolio
AVIP Constellation Managed Risk Balanced Portfolio
AVIP Constellation Managed Risk Moderate Growth
Portfolio
AVIP Constellation Managed Risk Growth Portfolio
AVIP Intech U.S. Low Volatility Portfolio
AB VPS Global Risk Allocation-Moderate Portfolio
AB VPS Relative Value Portfolio
BNY Mellon Appreciation Portfolio
Fidelity® VIP Growth Portfolio
Fidelity® VIP Equity-Income PortfolioSM
Fidelity® VIP Target Volatility Portfolio
Franklin Income VIP Fund
Franklin DynaTech VIP Fund
Franklin Allocation VIP Fund
Franklin Templeton Foreign VIP Fund
Franklin VolSmart Allocation VIP Fund
Goldman Sachs U.S. Equity Insights Fund
Goldman Sachs Strategic Growth Fund
Goldman Sachs Trend Driven Allocation Fund
Macquarie VIP Asset Strategy Series
Janus Henderson Research Portfolio
Janus Henderson Balanced Portfolio
Lazard Retirement Global Dynamic Multi-Asset Portfolio
ClearBridge Variable Dividend Strategy Portfolio
ClearBridge Variable Large Cap Value Portfolio
MFS® Total Return Series
MFS® Massachusetts Investors Growth Stock Portfolio
Morgan Stanley VIF Growth Portfolio
PIMCO Global Bond Opportunities Portfolio (Unhedged)
CATEGORY 3
AVIP BlackRock Advantage International Equity
Portfolio
AVIP Fidelity Institutional AM® Equity Growth
Portfolio
AVIP Federated High Income Bond Portfolio
AVIP AB Mid Cap Core Portfolio
Federated Hermes Kaufmann Fund II
Invesco V.I. EQV International Equity Fund
Fidelity® VIP Mid Cap Portfolio
Janus Henderson Overseas Portfolio
Janus Henderson Global Research Portfolio
Lazard Retirement International Equity Portfolio
MFS® Mid Cap Growth Series
Neuberger Berman AMT Mid Cap Intrinsic Value Portfolio
CATEGORY 4
AVIP AB Small Cap Portfolio
AVIP BlackRock Advantage Small Cap Growth Portfolio
AB VPS Small Cap Growth Portfolio
Fidelity® VIP Real Estate Portfolio
Macquarie VIP Natural Resources Series
Macquarie VIP Science and Technology Series
Lazard Retirement US Small Cap Equity Select Portfolio
Lazard Retirement Emerging Markets Equity Portfolio
MFS® New Discovery Series
PIMCO CommodityRealReturn® Strategy Portfolio
Royce Micro-Cap Portfolio
Royce Small-Cap Portfolio
GMIB Plus with Annual Reset (2008)
Some or all of your purchase payments or Contract Value may be allocated to the Fixed Accumulation Account. Any portion that is not allocated to the Fixed Accumulation Account must be allocated in accordance with Option 1 or 2.
Option 1 – Select A Single Option
Allocation: 100%
Investment Options:
AVIP Moderately Conservative Model Portfolio
AVIP Balanced Model Portfolio
AVIP Moderate Growth Model Portfolio
Form 6726-UN-NSLAC
14
Option 2 – Select Multiple Options
Allocations: 
 
Minimum
Maximum
Category 1 Investment Options
20%
100%
Category 2 Investment Options
0%
80%
Category 3 Investment Options
0%
25%
Category 4 Investment Options
0%
15%
Investment Options: 
CATEGORY 1
AVIP Bond Portfolio
Fidelity® VIP Government Money Market Portfolio
Janus Henderson Flexible Bond Portfolio
AVIP Federated Core Plus Bond Portfolio
PIMCO Real Return Portfolio
PIMCO Short-Term Portfolio
PIMCO Low Duration Portfolio
CATEGORY 2
AVIP BlackRock Balanced Allocation Portfolio
AVIP S&P 500® Index Portfolio
AVIP BlackRock Advantage International Equity
Portfolio
AVIP Fidelity Institutional AM® Equity Growth
Portfolio
AVIP BlackRock Advantage Large Cap Value Portfolio
AVIP Nasdaq-100® Index Portfolio
AVIP BlackRock Advantage Large Cap Core Portfolio
AVIP BlackRock Advantage Large Cap Growth Portfolio
AVIP S&P MidCap 400® Index Portfolio
AVIP Constellation Dynamic Risk Balanced Portfolio
AVIP Constellation Managed Risk Balanced Portfolio
AVIP Constellation Managed Risk Moderate Growth
Portfolio
AVIP Constellation Managed Risk Growth Portfolio
AVIP Intech U.S. Low Volatility Portfolio
AB VPS Global Risk Allocation-Moderate Portfolio
AB VPS Relative Value Portfolio
Invesco V.I. EQV International Equity Fund
BNY Mellon Appreciation Portfolio
Fidelity® VIP Growth Portfolio
Fidelity® VIP Equity-Income PortfolioSM
Fidelity® VIP Target Volatility Portfolio
Franklin Income VIP Fund
Franklin DynaTech VIP Fund
Franklin Allocation VIP Fund
Franklin Templeton Foreign VIP Fund
Franklin VolSmart Allocation VIP Fund
Goldman Sachs U.S. Equity Insights Fund
Goldman Sachs Strategic Growth Fund
Goldman Sachs Trend Driven Allocation Fund
Macquarie VIP Asset Strategy Series
Janus Henderson Research Portfolio
Janus Henderson Global Research Portfolio
Janus Henderson Overseas Portfolio
Janus Henderson Balanced Portfolio
Lazard Retirement International Equity Portfolio
Lazard Retirement Global Dynamic Multi-Asset Portfolio
ClearBridge Variable Dividend Strategy Portfolio
ClearBridge Variable Large Cap Value Portfolio
MFS® Total Return Series
MFS® Massachusetts Investors Growth Stock Portfolio
Morgan Stanley VIF Growth Portfolio
PIMCO Global Bond Opportunities Portfolio (Unhedged)
CATEGORY 3
AVIP Federated High Income Bond Portfolio
AVIP AB Mid Cap Core Portfolio
Federated Hermes Kaufmann Fund II
Fidelity® VIP Mid Cap Portfolio
MFS® Mid Cap Growth Series
Neuberger Berman AMT Mid Cap Intrinsic Value Portfolio
CATEGORY 4
AVIP AB Small Cap Portfolio
AVIP BlackRock Advantage Small Cap Growth Portfolio
AB VPS Small Cap Growth Portfolio
Fidelity® VIP Real Estate Portfolio
Macquarie VIP Natural Resources Series
Macquarie VIP Science and Technology Series
Lazard Retirement US Small Cap Equity Select Portfolio
Lazard Retirement Emerging Markets Equity Portfolio
MFS® New Discovery Series
PIMCO CommodityRealReturn® Strategy Portfolio
Royce Micro-Cap Portfolio
Royce Small-Cap Portfolio
Form 6726-UN-NSLAC
15
You may request other information about this contract and make investor inquiries by calling us at 877.446.6020. Reports and other information about National Security Variable Account N are available on the SEC’s website at http://www.sec.gov. Copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov.
Form 6726-UN-NSLAC
16