v3.26.1
N-4
May 01, 2026
USD ($)
yr
Prospectus:  
Document Type N-4
Entity Registrant Name AMERICAN FIDELITY SEPARATE ACCOUNT C
Entity Central Index Key 0001220781
Entity Investment Company Type N-4
Document Period End Date Dec. 31, 2025
Amendment Flag false
Item 3. Key Information [Line Items]  
Fees and Expenses [Text Block]
IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE POLICY
 
    
FEES, EXPENSES, AND ADJUSTMENTS
   
CROSS-REFERENCE(S)
Are There Charges or Adjustments for Early Withdrawal?   
Yes. If you withdraw money from the Policy within the first 10 policy years, you will be assessed a withdrawal charge. The maximum withdrawal charge will never exceed 8% of the total purchase payments.
 
For example, if you make an early withdrawal on a $100,000 investment, you could pay a withdrawal charge of up to $8,000.
    Fee Table; Charges-Withdrawal Charge; Surrenders and Withdrawals
Are There Transaction Charges?    No. Currently, there is no transfer fee for transfers between any of the investment options to which payments have been allocated; however, we reserve the right, at any time and without prior notice, to end, suspend, or change the transfer privilege, in which case we will provide written notice of any such action.    Charges— Transfer Charge
   Yes. The table below describes the fees and expenses that you may pay each year, depending on the options you choose. Please refer to your policy schedule for information about the specific fees you will pay each year based on the options you have elected.    Fee Table; Charges
Are There Ongoing Fees
and Expenses?		   
Annual Fee
   
Minimum
   
Maximum
  
Base Contract
(as a percentage of average account value -
only one Contract Class offered)
    1.50%    1.50%
  
 
Portfolio Company fees and expenses as a percentage of net asset value
    0.13%    0.83%
   Because your policy is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your policy, the following table shows the lowest and highest cost you could pay each year, based on current charges. The estimate assumes that you do not take withdrawals from the policy, which could add surrender charges that substantially increase costs.   
    
Lowest Annual Cost:
$1,468
   
Highest Annual Cost:
$2,028
  
Assumes:
 
•
Investment of $100,000
 
•
5% annual appreciation
 
•
Least expensive combination of Contract Class and Portfolio Company fees and expenses
 
•
No sales charges
 
•
No additional purchase payments, transfers or withdrawals
   
Assumes:
 
•
Investment of $100,000
 
•
5% annual appreciation
 
•
Most expensive combination of Contract Class and Portfolio Company fees and expenses
 
•
No sales charges
 
•
No additional purchase payments, transfers or withdrawals
Charges for Early Withdrawals [Text Block] Yes. If you withdraw money from the Policy within the first 10 policy years, you will be assessed a withdrawal charge. The maximum withdrawal charge will never exceed 8% of the total purchase payments.For example, if you make an early withdrawal on a $100,000 investment, you could pay a withdrawal charge of up to $8,000.
Surrender Charge Phaseout Period, Years | yr 10
Surrender Charge (of Amount Surrendered) Maximum [Percent] 8.00%
Surrender Charge Example Maximum [Dollars] $ 8,000
Transaction Charges [Text Block] No. Currently, there is no transfer fee for transfers between any of the investment options to which payments have been allocated; however, we reserve the right, at any time and without prior notice, to end, suspend, or change the transfer privilege, in which case we will provide written notice of any such action.
Ongoing Fees and Expenses [Table Text Block]
   Yes. The table below describes the fees and expenses that you may pay each year, depending on the options you choose. Please refer to your policy schedule for information about the specific fees you will pay each year based on the options you have elected.    Fee Table; Charges
Are There Ongoing Fees
and Expenses?		   
Annual Fee
   
Minimum
   
Maximum
  
Base Contract
(as a percentage of average account value -
only one Contract Class offered)
    1.50%    1.50%
  
 
Portfolio Company fees and expenses as a percentage of net asset value
    0.13%    0.83%
   Because your policy is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your policy, the following table shows the lowest and highest cost you could pay each year, based on current charges. The estimate assumes that you do not take withdrawals from the policy, which could add surrender charges that substantially increase costs.   
Base Contract (of Average Annual Net Assets) (N-4) Minimum [Percent] 1.50%
Base Contract (of Average Annual Net Assets) (N-4) Maximum [Percent] 1.50%
Investment Options (of Average Annual Net Assets) Minimum [Percent] 0.13%
Investment Options (of Average Annual Net Assets) Maximum [Percent] 0.83%
Lowest and Highest Annual Cost [Table Text Block]
    
Lowest Annual Cost:
$1,468
   
Highest Annual Cost:
$2,028
  
Assumes:
 
•
Investment of $100,000
 
•
5% annual appreciation
 
•
Least expensive combination of Contract Class and Portfolio Company fees and expenses
 
•
No sales charges
 
•
No additional purchase payments, transfers or withdrawals
   
Assumes:
 
•
Investment of $100,000
 
•
5% annual appreciation
 
•
Most expensive combination of Contract Class and Portfolio Company fees and expenses
 
•
No sales charges
 
•
No additional purchase payments, transfers or withdrawals
Lowest Annual Cost [Dollars] $ 1,468
Highest Annual Cost [Dollars] $ 2,028
Risks [Table Text Block]
    
RISKS
   
CROSS-REFERENCE(S)
Is There a Risk of Loss from Poor Performance?    Yes. You can lose money by investing in the policy.    Principal Risks of Investing in the Policy
Is this a Short-Term Investment?    No. A policy is not a short-term investment and is not appropriate for an investor who needs ready access to cash. It is designed for individuals seeking long-term investments, generally for retirement or other long-term purposes. Amounts withdrawn from the policy may result in surrender charges, taxes, and tax penalties.    Principal Risks of Investing in the Policy
What Are the Risks Associated with the Investment Options?    An investment in the policy is subject to the risk of poor investment performance and can vary depending on the performance of the investment options available under the policy (e.g., Portfolio Companies). Each investment option (including any fixed account investment option) will have its own unique risks. You should review these investment options before making an investment decision.    Principal Risks of Investing in the Policy
What Are the Risks Related to the Insurance Company?    An investment in the policy is subject to the risks related to American Fidelity Assurance Company, including that any obligations (including under the fixed account investment option), guarantees, or benefits are subject to the claims-paying ability of American Fidelity Assurance Company. More information about American Fidelity Assurance Company, including financial strength ratings, is available by sending an email request to va.help@americanfidelity.com.    Principal Risks of Investing in the Policy
Investment Restrictions [Text Block] No. Upon receipt of proper instructions, and as the plan permits, we will make transfers between any of the investment options to which payments have been allocated. We reserve the right to limit the number of transfers thatmay be made. All asset transfers made in any one day count as one transfer. All transfers must be in whole percentages. Currently, there is no transfer fee; however, we reserve the right, at any time and without prior notice, to end, suspend, or change the transfer privilege, in which case we will provide written notice of any such action.We reserve the right to remove or substitute Portfolio Companies as investment optionsYes. We reserve the right to modify, limit, or terminate certain benefits available under the policy.
Tax Implications [Text Block] You should consult with a tax professional to determine the tax implications of an investment in and purchase payments received under the policy. There is no additional tax benefit to you if the policy is purchased through a tax‑qualified plan or individual retirement account (IRA). Withdrawals will be subject to ordinary income tax, and may be subject to tax penalties.
Investment Professional Compensation [Text Block] This policy is sold exclusively through investment professionals who are representatives of American Fidelity Assurance Company’s affiliated broker dealer, and who are compensated for selling the policy with a base salary and a commission. These investment professionals may have a financial incentive to offer the policy over another investment.
Exchanges [Text Block] Some investment professionals may have a financial incentive to offer you a new contract in place of the one you already own. You should only exchange your policy if you determine, after comparing other features, fees, and risks of both contracts, that it is preferable for you to purchase the new contract rather than continue to own the existing policy.
Item 4. Fee Table [Line Items]  
Item 4. Fee Table [Text Block]
FEE TABLE
The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from the policy. Please refer to your policy specifications page for information about the specific fees you will pay each year based on the options you have elected.
The first table describes the fees and expenses that you will pay at the time you buy the policy, surrender or make withdrawals from the policy, or transfer policy value between investment options. State premium taxes may also be deducted.
Transaction Expenses
     Policy
Year		      Withdrawal
Charge		  
     1        8 % 
     2        8 % 
     3        8 % 
     4        8 % 
     5        8 % 
Surrender Charge (as a percentage of the amount surrendered)
      6        4 % 
     7        4 % 
     8        4 % 
     9        4 % 
     10        4 % 
     11+        0 % 
Transfer Fee      None  
Loan Interest Rate
      5 % 
The next table describes the fees and expenses that you will pay each year during the time that you own the policy (not including Portfolio Company fees and expenses).
Annual Contract Expenses
 
     Current Fee     Maximum Fee  
Base Contract Expenses (as a percentage of average account value)
      1.50 %*      1.75 % 
*
Consists of a mortality and expense risk charge of 1.25%, an administrative charge of 0.15%, and a distribution expense charge of 0.10%. We currently charge a lower fee than the maximum allowed under the policy. The current fees and maximum fees we may charge are shown in the Annual Contract Expenses table. We may increase the administrative charge and/or the distribution expense charge, but neither will ever be more than 0.25% of the average daily value of your account invested in a portfolio.
The next item shows the minimum and maximum total operating expenses charged by the Portfolio Companies that you may pay periodically during the time that you own the policy. Expenses shown may change over time and may be higher or lower in the future. A complete list of Portfolio Companies available under the policy, including their annual expenses, may be found at the back of this document.
Annual Portfolio Company Expenses    Minimum     Maximum  
(expenses that are deducted from portfolio assets, including management fees, distribution and/or service (12b‑1) fees, and other expenses)
      0.13 %      0.83 % 
Example
This Example is intended to help you compare the cost of investing in the policy with the cost of investing in other annuity contracts that offer variable options. These costs include transaction expenses, annual policy expenses, and Annual Portfolio Company Expenses.
The Example assumes that you invest $100,000 in the policy for the time periods indicated. The Example also assumes that your investment has a 5% return each year and assumes the most expensive and least expensive combination of Annual Portfolio Company Expenses, as indicated. Although your actual costs may be higher or lower, based on these assumptions, your costs would be:
Maximum Portfolio Company Total Operating Expenses
If you surrender your policy at the end of the applicable time period:    1 year      3 years      5 years      10 years  
   $ 10,360      $ 15,264      $ 20,425      $ 31,699  
If you do not surrender your policy:    1 year      3 years      5 years      10 years  
   $ 2,360      $ 7,264      $ 12,425      $ 26,538  
Minimum Portfolio Company Operating Expenses
If you surrender your policy at the end of the applicable time period:    1 year      3 years      5 years      10 years  
   $ 9,657      $ 13,136      $ 16,849      $ 24,794  
If you do not surrender your policy:    1 year      3 years      5 years      10 years  
   $ 1,657      $ 5,136      $ 8,849      $ 19,259  
Transaction Expenses [Table Text Block]
The first table describes the fees and expenses that you will pay at the time you buy the policy, surrender or make withdrawals from the policy, or transfer policy value between investment options. State premium taxes may also be deducted.
Transaction Expenses
     Policy
Year		      Withdrawal
Charge		  
     1        8 % 
     2        8 % 
     3        8 % 
     4        8 % 
     5        8 % 
Surrender Charge (as a percentage of the amount surrendered)
      6        4 % 
     7        4 % 
     8        4 % 
     9        4 % 
     10        4 % 
     11+        0 % 
Transfer Fee      None  
Loan Interest Rate
      5 % 
Transfer Fee (of Amount Transferred), Current [Percent] 0.00%
Other Transaction Fee, Current [Percent] 5.00%
Annual Contract Expenses [Table Text Block]
The next table describes the fees and expenses that you will pay each year during the time that you own the policy (not including Portfolio Company fees and expenses).
Annual Contract Expenses
 
     Current Fee     Maximum Fee  
Base Contract Expenses (as a percentage of average account value)
      1.50 %*      1.75 % 
*
Consists of a mortality and expense risk charge of 1.25%, an administrative charge of 0.15%, and a distribution expense charge of 0.10%. We currently charge a lower fee than the maximum allowed under the policy. The current fees and maximum fees we may charge are shown in the Annual Contract Expenses table. We may increase the administrative charge and/or the distribution expense charge, but neither will ever be more than 0.25% of the average daily value of your account invested in a portfolio.
Base Contract Expense (of Average Account Value), Maximum [Percent] 1.75%
Base Contract Expense (of Average Account Value), Current [Percent] 1.50% [1]
Base Contract Expense, Footnotes [Text Block] Consists of a mortality and expense risk charge of 1.25%, an administrative charge of 0.15%, and a distribution expense charge of 0.10%. We currently charge a lower fee than the maximum allowed under the policy. The current fees and maximum fees we may charge are shown in the Annual Contract Expenses table. We may increase the administrative charge and/or the distribution expense charge, but neither will ever be more than 0.25% of the average daily value of your account invested in a portfolio.
Annual Portfolio Company Expenses [Table Text Block]
The next item shows the minimum and maximum total operating expenses charged by the Portfolio Companies that you may pay periodically during the time that you own the policy. Expenses shown may change over time and may be higher or lower in the future. A complete list of Portfolio Companies available under the policy, including their annual expenses, may be found at the back of this document.
Annual Portfolio Company Expenses    Minimum     Maximum  
(expenses that are deducted from portfolio assets, including management fees, distribution and/or service (12b‑1) fees, and other expenses)
      0.13 %      0.83 % 
Portfolio Company Expenses [Text Block] expenses that are deducted from portfolio assets, including management fees, distribution and/or service (12b‑1) fees, and other expenses
Portfolio Company Expenses Minimum [Percent] 0.13%
Portfolio Company Expenses Maximum [Percent] 0.83%
Surrender Example [Table Text Block]
Example
This Example is intended to help you compare the cost of investing in the policy with the cost of investing in other annuity contracts that offer variable options. These costs include transaction expenses, annual policy expenses, and Annual Portfolio Company Expenses.
The Example assumes that you invest $100,000 in the policy for the time periods indicated. The Example also assumes that your investment has a 5% return each year and assumes the most expensive and least expensive combination of Annual Portfolio Company Expenses, as indicated. Although your actual costs may be higher or lower, based on these assumptions, your costs would be:
Maximum Portfolio Company Total Operating Expenses
If you surrender your policy at the end of the applicable time period:    1 year      3 years      5 years      10 years  
   $ 10,360      $ 15,264      $ 20,425      $ 31,699  
If you do not surrender your policy:    1 year      3 years      5 years      10 years  
   $ 2,360      $ 7,264      $ 12,425      $ 26,538  
Minimum Portfolio Company Operating Expenses
If you surrender your policy at the end of the applicable time period:    1 year      3 years      5 years      10 years  
   $ 9,657      $ 13,136      $ 16,849      $ 24,794  
If you do not surrender your policy:    1 year      3 years      5 years      10 years  
   $ 1,657      $ 5,136      $ 8,849      $ 19,259  
Surrender Expense, 1 Year, Maximum [Dollars] $ 10,360
Surrender Expense, 1 Year, Minimum [Dollars] 9,657
Surrender Expense, 3 Years, Maximum [Dollars] 15,264
Surrender Expense, 3 Years, Minimum [Dollars] 13,136
Surrender Expense, 5 Years, Maximum [Dollars] 20,425
Surrender Expense, 5 Years, Minimum [Dollars] 16,849
Surrender Expense, 10 Years, Maximum [Dollars] 31,699
Surrender Expense, 10 Years, Minimum [Dollars] $ 24,794
No Surrender Example [Table Text Block]
Example
This Example is intended to help you compare the cost of investing in the policy with the cost of investing in other annuity contracts that offer variable options. These costs include transaction expenses, annual policy expenses, and Annual Portfolio Company Expenses.
The Example assumes that you invest $100,000 in the policy for the time periods indicated. The Example also assumes that your investment has a 5% return each year and assumes the most expensive and least expensive combination of Annual Portfolio Company Expenses, as indicated. Although your actual costs may be higher or lower, based on these assumptions, your costs would be:
Maximum Portfolio Company Total Operating Expenses
If you surrender your policy at the end of the applicable time period:    1 year      3 years      5 years      10 years  
   $ 10,360      $ 15,264      $ 20,425      $ 31,699  
If you do not surrender your policy:    1 year      3 years      5 years      10 years  
   $ 2,360      $ 7,264      $ 12,425      $ 26,538  
Minimum Portfolio Company Operating Expenses
If you surrender your policy at the end of the applicable time period:    1 year      3 years      5 years      10 years  
   $ 9,657      $ 13,136      $ 16,849      $ 24,794  
If you do not surrender your policy:    1 year      3 years      5 years      10 years  
   $ 1,657      $ 5,136      $ 8,849      $ 19,259  
No Surrender Expense, 1 Year, Maximum [Dollars] $ 2,360
No Surrender Expense, 1 Year, Minimum [Dollars] 1,657
No Surrender Expense, 3 Years, Maximum [Dollars] 7,264
No Surrender Expense, 3 Years, Minimum [Dollars] 5,136
No Surrender Expense, 5 Years, Maximum [Dollars] 12,425
No Surrender Expense, 5 Years, Minimum [Dollars] 8,849
No Surrender Expense, 10 Years, Maximum [Dollars] 26,538
No Surrender Expense, 10 Years, Minimum [Dollars] $ 19,259
Item 5. Principal Risks [Line Items]  
Item 5. Principal Risks [Table Text Block]
PRINCIPAL RISKS OF INVESTING IN THE POLICY
Market Risk. Investment in the policy is subject to the risk of poor investment performance and can vary depending on the performance of investment options available under the policy (e.g., Portfolio Companies). Each investment option (including any fixed account investment option) will have its own unique risks. You should review these investment options before making an investment decision.
Early Withdrawal Risk. The policy is not a short-term investment and is not appropriate for you if you need ready access to cash. It is intended for retirement and long-term savings. Withdrawals may be subject to tax penalties or other unfavorable treatment (see “Taxes” below).
Insurance Company Risk. Investment in the policy is subject to the risks related to the Insurance Company, American Fidelity Assurance Company, including that any obligations (including under the fixed account investment options), guarantees, or benefits are subject to the claims-paying ability of American Fidelity Assurance Company.
Contract Changes Risk. There is the risk that in the future we will exercise our right to change certain fees or features of the policy, including the following:
  •  
We reserve the right to add or remove sub‑accounts as investment options;
  •  
At our discretion, we may substitute any of the portfolios available under the policy with another investment option;
  •  
We reserve the right to limit transfers; and
  •  
We may modify or limit certain policy features.
Risk of Loss. You can lose money by investing in the policy.
Item 10. Benefits Available [Line Items]  
Benefits Available (N-4) [Text Block]
BENEFITS AVAILABLE UNDER THE POLICY
The following table summarizes information about the benefits available under the policy.
Name of
Benefit		   
Purpose
   
Is Benefit Standard or
Optional
   
Maximum
Fee
   
Brief Description of Restrictions/Limitations
Death Benefit    Transfer of the benefit of your policy upon the death of the annuitant for the benefit of the person or entity named as beneficiary.    Standard    None   
•
Withdrawals may significantly reduce the benefit.
Automatic Dollar Cost Averaging    Allows you to transfer an established amount of money on a regular basis from the Guaranteed Interest Account (GIA) to an investment option.    Standard    None   
•
The minimum amount that may be transferred from the GIA to an investment option is $500.
 
•
Only the GIA can be used as a source of the transfer.
 
•
Only available during the accumulation phase.
 
•
A minimum balance of $10,000 is required to be held in the GIA to enroll in the program.
Asset Rebalancing    Allows you to have your investments rebalanced to your percentage allocation selection.    Standard    None   
•
Only available during the accumulation phase.
Death Benefit
The death benefit amount will be paid within seven calendar days of receipt of proof of death and proper written instructions, unless we suspend, defer, or postpone payments as described elsewhere in this document.
Death of Participant Before the Annuity Date
If a participant dies prior to the annuity date, the death benefit will be the greater of: (1) the participant’s purchase payments, less any withdrawals and withdrawal charges, or (2) the participant’s account value, adjusted for taxes determined as of the valuation period during which we receive both proof of death and proper written instructions.
Death of Annuitant After the Annuity Date
If an annuitant dies on or after the annuity date, during the annuity phase, any remaining payments under the annuity option elected will continue at least as rapidly as under the method of distribution in effect at the annuitant’s death.
Benefits Available [Table Text Block]
Name of
Benefit		   
Purpose
   
Is Benefit Standard or
Optional
   
Maximum
Fee
   
Brief Description of Restrictions/Limitations
Death Benefit    Transfer of the benefit of your policy upon the death of the annuitant for the benefit of the person or entity named as beneficiary.    Standard    None   
•
Withdrawals may significantly reduce the benefit.
Automatic Dollar Cost Averaging    Allows you to transfer an established amount of money on a regular basis from the Guaranteed Interest Account (GIA) to an investment option.    Standard    None   
•
The minimum amount that may be transferred from the GIA to an investment option is $500.
 
•
Only the GIA can be used as a source of the transfer.
 
•
Only available during the accumulation phase.
 
•
A minimum balance of $10,000 is required to be held in the GIA to enroll in the program.
Asset Rebalancing    Allows you to have your investments rebalanced to your percentage allocation selection.    Standard    None   
•
Only available during the accumulation phase.
Benefits Description [Table Text Block]
Death Benefit
The death benefit amount will be paid within seven calendar days of receipt of proof of death and proper written instructions, unless we suspend, defer, or postpone payments as described elsewhere in this document.
Death of Participant Before the Annuity Date
If a participant dies prior to the annuity date, the death benefit will be the greater of: (1) the participant’s purchase payments, less any withdrawals and withdrawal charges, or (2) the participant’s account value, adjusted for taxes determined as of the valuation period during which we receive both proof of death and proper written instructions.
Death of Annuitant After the Annuity Date
If an annuitant dies on or after the annuity date, during the annuity phase, any remaining payments under the annuity option elected will continue at least as rapidly as under the method of distribution in effect at the annuitant’s death.
Calculation Method of Benefit [Text Block]
Death Benefit
The death benefit amount will be paid within seven calendar days of receipt of proof of death and proper written instructions, unless we suspend, defer, or postpone payments as described elsewhere in this document.
Death of Participant Before the Annuity Date
If a participant dies prior to the annuity date, the death benefit will be the greater of: (1) the participant’s purchase payments, less any withdrawals and withdrawal charges, or (2) the participant’s account value, adjusted for taxes determined as of the valuation period during which we receive both proof of death and proper written instructions.
Death of Annuitant After the Annuity Date
If an annuitant dies on or after the annuity date, during the annuity phase, any remaining payments under the annuity option elected will continue at least as rapidly as under the method of distribution in effect at the annuitant’s death.
Item 17. Investment Options [Line Items]  
Investment Options (N-4) [Text Block]
APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE POLICY
Variable Options
The following is a list of Portfolio Companies available under the policy. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at https://americanfidelity.com/support/annuities/p‑2. You can also request this information at no cost by calling 1.800.662.1113 x8840 or by sending an email request to va.help@americanfidelity.com.
The current expenses and performance information below reflects fee and expenses of the Portfolio Companies, but do not reflect the other fees and expenses that your policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio Company’s past performance is not necessarily an indication of future performance.
Type/Investment Objective   
Portfolio Company and
Adviser/Sub adviser
    Current
Expenses		     Average Annual Total Returns
(as of 12/31/2025)		  
                1 Year     5 Years     10 Years  
Stock/Income and Growth
   
American Funds Insurance Series®
Washington Mutual Investors Fund SM 1, 2
 
Adviser: Capital Research and Management CompanySM
 
Sub adviser: None
      0.25 %      17.50 %      14.17 %      12.65 % 
Stock/International Growth Fund
   
American Funds Insurance Series®
EUPAC Fund™ 2, 3, 4
 
Adviser: Capital Research and Management CompanySM
 
Sub adviser: None
      0.47 %      27.04 %      3.66 %      7.26 % 
Stock Index Fund
   
BNY Mellon
Stock Index Fund, Inc.5
 
Investment Adviser: BNY Mellon Investment Adviser, Inc.
 
Sub Investment Adviser: Mellon Investments Corporation (Index Provider)
      0.27 %      17.53 %      14.11 %      14.52 % 
Stock/Small Blend Fund
   
BNY Mellon Variable Investment Fund
Small Cap Portfolio5
 
Investment Adviser: BNY Mellon Investment Adviser, Inc.
 
Sub Investment Adviser: Newton Investment Management North America, LLC
      0.83 %      10.99 %      4.26 %      7.83 % 
 
1 
The investment adviser is currently waiving a portion of its management fee equal to 0.15% of the fund’s net assets. This waiver will be in effect through at least May 1, 2027. The waiver may only be modified or terminated with the approval of the fund’s board.
2 
Class 1 Shares.
3 
The investment adviser is currently waiving a portion of its management fee equal to 0.06% of the fund’s net assets. This waiver will be in effect through at least May 1, 2027. The waiver may only be modified or terminated with the approval of the fund’s board
4 
American Funds Insurance Series ® – International Fund was renamed to American Funds Insurance Series ® – EUPAC Fund™ effective on May 1, 2026.
5 
Initial Share Class.
Large Blend Fund
   
BNY Mellon
Sustainable U.S. Equity Portfolio, Inc.5, 6
 
Investment Adviser: BNY Mellon Investment Adviser, Inc.
 
Sub Investment Adviser: Newton Investment Management Limited
      0.66 %      15.97 %      11.93 %      13.56 % 
Balanced Fund
   
Vanguard® Variable Insurance Fund
Balanced Portfolio
 
Adviser: Wellington Management Company, LLP
 
Sub Adviser: None
      0.20 %      16.46 %      9.29 %      10.03 % 
Stock/Growth Fund
   
Vanguard® Variable Insurance Fund
Capital Growth Portfolio7
 
Adviser: PRIMECAP Management Company
 
Sub Adviser: None
      0.34 %      28.98 %      13.97 %      14.96 % 
Stock/Mid‑Cap Index Fund
   
Vanguard® Variable Insurance Fund
Mid‑Cap Index Portfolio
 
Adviser: Vanguard Strategic Equity Index Management
 
Sub Adviser: None
      0.17 %      11.54 %      8.46 %      10.77 % 
Bond/Index Fund
   
Vanguard® Variable Insurance Fund
Total Bond Market Index Portfolio
 
Adviser: Vanguard Fixed Income Group
 
Sub Adviser: None
      0.14 %      6.94 %      (0.51 )%      1.90 % 
Stock/Index Fund
   
Vanguard® Variable Insurance Fund
Total Stock Market Index Portfolio
 
Adviser: Vanguard Global Equity Index Management
 
Sub Adviser: None
      0.13 %      16.93 %      12.98 %      14.10 % 
 
6 
The investment adviser has contractually agreed, until May 1, 2027, to waive receipt of its fees and/or assume the direct expenses of the fund so that the direct expenses of neither class of fund shares (excluding Rule 12b‑1 fees, shareholder services fees, taxes, interest expense, brokerage commissions, commitment fees on borrowings and extraordinary expenses) exceed .70%. On or after May 1, 2027, the investment adviser may terminate this expense limitation agreement at any time.
7 
Vanguard® Variable Insurance Fund – Capital Growth Portfolio will be renamed to Vanguard® Variable Insurance Fund – PRIMECAP Portfolio on or about May 12, 2026.
Variable Option [Line Items]  
Prospectuses Available [Text Block]
The following is a list of Portfolio Companies available under the policy. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at https://americanfidelity.com/support/annuities/p‑2. You can also request this information at no cost by calling 1.800.662.1113 x8840 or by sending an email request to va.help@americanfidelity.com.
The current expenses and performance information below reflects fee and expenses of the Portfolio Companies, but do not reflect the other fees and expenses that your policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio Company’s past performance is not necessarily an indication of future performance.
Portfolio Companies [Table Text Block]
Type/Investment Objective   
Portfolio Company and
Adviser/Sub adviser
    Current
Expenses		     Average Annual Total Returns
(as of 12/31/2025)		  
                1 Year     5 Years     10 Years  
Stock/Income and Growth
   
American Funds Insurance Series®
Washington Mutual Investors Fund SM 1, 2
 
Adviser: Capital Research and Management CompanySM
 
Sub adviser: None
      0.25 %      17.50 %      14.17 %      12.65 % 
Stock/International Growth Fund
   
American Funds Insurance Series®
EUPAC Fund™ 2, 3, 4
 
Adviser: Capital Research and Management CompanySM
 
Sub adviser: None
      0.47 %      27.04 %      3.66 %      7.26 % 
Stock Index Fund
   
BNY Mellon
Stock Index Fund, Inc.5
 
Investment Adviser: BNY Mellon Investment Adviser, Inc.
 
Sub Investment Adviser: Mellon Investments Corporation (Index Provider)
      0.27 %      17.53 %      14.11 %      14.52 % 
Stock/Small Blend Fund
   
BNY Mellon Variable Investment Fund
Small Cap Portfolio5
 
Investment Adviser: BNY Mellon Investment Adviser, Inc.
 
Sub Investment Adviser: Newton Investment Management North America, LLC
      0.83 %      10.99 %      4.26 %      7.83 % 
 
1 
The investment adviser is currently waiving a portion of its management fee equal to 0.15% of the fund’s net assets. This waiver will be in effect through at least May 1, 2027. The waiver may only be modified or terminated with the approval of the fund’s board.
2 
Class 1 Shares.
3 
The investment adviser is currently waiving a portion of its management fee equal to 0.06% of the fund’s net assets. This waiver will be in effect through at least May 1, 2027. The waiver may only be modified or terminated with the approval of the fund’s board
4 
American Funds Insurance Series ® – International Fund was renamed to American Funds Insurance Series ® – EUPAC Fund™ effective on May 1, 2026.
5 
Initial Share Class.
Large Blend Fund
   
BNY Mellon
Sustainable U.S. Equity Portfolio, Inc.5, 6
 
Investment Adviser: BNY Mellon Investment Adviser, Inc.
 
Sub Investment Adviser: Newton Investment Management Limited
      0.66 %      15.97 %      11.93 %      13.56 % 
Balanced Fund
   
Vanguard® Variable Insurance Fund
Balanced Portfolio
 
Adviser: Wellington Management Company, LLP
 
Sub Adviser: None
      0.20 %      16.46 %      9.29 %      10.03 % 
Stock/Growth Fund
   
Vanguard® Variable Insurance Fund
Capital Growth Portfolio7
 
Adviser: PRIMECAP Management Company
 
Sub Adviser: None
      0.34 %      28.98 %      13.97 %      14.96 % 
Stock/Mid‑Cap Index Fund
   
Vanguard® Variable Insurance Fund
Mid‑Cap Index Portfolio
 
Adviser: Vanguard Strategic Equity Index Management
 
Sub Adviser: None
      0.17 %      11.54 %      8.46 %      10.77 % 
Bond/Index Fund
   
Vanguard® Variable Insurance Fund
Total Bond Market Index Portfolio
 
Adviser: Vanguard Fixed Income Group
 
Sub Adviser: None
      0.14 %      6.94 %      (0.51 )%      1.90 % 
Stock/Index Fund
   
Vanguard® Variable Insurance Fund
Total Stock Market Index Portfolio
 
Adviser: Vanguard Global Equity Index Management
 
Sub Adviser: None
      0.13 %      16.93 %      12.98 %      14.10 % 
 
6 
The investment adviser has contractually agreed, until May 1, 2027, to waive receipt of its fees and/or assume the direct expenses of the fund so that the direct expenses of neither class of fund shares (excluding Rule 12b‑1 fees, shareholder services fees, taxes, interest expense, brokerage commissions, commitment fees on borrowings and extraordinary expenses) exceed .70%. On or after May 1, 2027, the investment adviser may terminate this expense limitation agreement at any time.
7 
Vanguard® Variable Insurance Fund – Capital Growth Portfolio will be renamed to Vanguard® Variable Insurance Fund – PRIMECAP Portfolio on or about May 12, 2026.
American Funds Insurance Series EUPAC Fund TM [Member]  
Variable Option [Line Items]  
Portfolio Company Objective [Text Block] Stock/International Growth Fund
Portfolio Company Name [Text Block] American Funds Insurance Series®EUPAC Fund™ [2],[3],[4]
Portfolio Company Adviser [Text Block] Capital Research and Management CompanySM
Current Expenses [Percent] 0.47%
Average Annual Total Returns, 1 Year [Percent] 27.04%
Average Annual Total Returns, 5 Years [Percent] 3.66%
Average Annual Total Returns, 10 Years [Percent] 7.26%
BNY Mellon Stock Index Fund Inc [Member]  
Variable Option [Line Items]  
Portfolio Company Objective [Text Block] Stock Index Fund
Portfolio Company Name [Text Block] BNY MellonStock Index Fund, Inc. [5]
Portfolio Company Adviser [Text Block] BNY Mellon Investment Adviser, Inc.
Portfolio Company Subadviser [Text Block] Mellon Investments Corporation (Index Provider)
Current Expenses [Percent] 0.27%
Average Annual Total Returns, 1 Year [Percent] 17.53%
Average Annual Total Returns, 5 Years [Percent] 14.11%
Average Annual Total Returns, 10 Years [Percent] 14.52%
BNY Mellon Variable Investment Fund Small Cap Portfolio [Member]  
Variable Option [Line Items]  
Portfolio Company Objective [Text Block] Stock/Small Blend Fund
Portfolio Company Name [Text Block] BNY Mellon Variable Investment FundSmall Cap Portfolio
Portfolio Company Adviser [Text Block] BNY Mellon Investment Adviser, Inc.
Portfolio Company Subadviser [Text Block] Newton Investment Management North America, LLC
Current Expenses [Percent] 0.83%
Average Annual Total Returns, 1 Year [Percent] 10.99%
Average Annual Total Returns, 5 Years [Percent] 4.26%
Average Annual Total Returns, 10 Years [Percent] 7.83%
BNY Mellon Sustainable U S Equity Portfolio Inc [Member]  
Variable Option [Line Items]  
Portfolio Company Objective [Text Block] Large Blend Fund
Portfolio Company Name [Text Block] BNY MellonSustainable U.S. Equity Portfolio, Inc. [5],[6]
Portfolio Company Adviser [Text Block] BNY Mellon Investment Adviser, Inc.
Portfolio Company Subadviser [Text Block] Newton Investment Management Limited
Current Expenses [Percent] 0.66%
Average Annual Total Returns, 1 Year [Percent] 15.97%
Average Annual Total Returns, 5 Years [Percent] 11.93%
Average Annual Total Returns, 10 Years [Percent] 13.56%
Vanguard Variable Insurance Fund Balanced Portfolio [Member]  
Variable Option [Line Items]  
Portfolio Company Objective [Text Block] Balanced Fund
Portfolio Company Name [Text Block] Vanguard® Variable Insurance FundBalanced Portfolio
Portfolio Company Adviser [Text Block] Wellington Management Company, LLP
Current Expenses [Percent] 0.20%
Average Annual Total Returns, 1 Year [Percent] 16.46%
Average Annual Total Returns, 5 Years [Percent] 9.29%
Average Annual Total Returns, 10 Years [Percent] 10.03%
Vanguard Variable Insurance Fund Capital Growth Portfolio [Member]  
Variable Option [Line Items]  
Portfolio Company Objective [Text Block] Stock/Growth Fund
Portfolio Company Name [Text Block] Vanguard® Variable Insurance FundCapital Growth Portfolio [7]
Portfolio Company Adviser [Text Block] PRIMECAP Management Company
Current Expenses [Percent] 0.34%
Average Annual Total Returns, 1 Year [Percent] 28.98%
Average Annual Total Returns, 5 Years [Percent] 13.97%
Average Annual Total Returns, 10 Years [Percent] 14.96%
Vanguard Variable Insurance Fund Mid Cap Index Portfolio [Member]  
Variable Option [Line Items]  
Portfolio Company Objective [Text Block] Stock/Mid‑Cap Index Fund
Portfolio Company Name [Text Block] Vanguard® Variable Insurance FundMid‑Cap Index Portfolio
Portfolio Company Adviser [Text Block] Vanguard Strategic Equity Index Management
Current Expenses [Percent] 0.17%
Average Annual Total Returns, 1 Year [Percent] 11.54%
Average Annual Total Returns, 5 Years [Percent] 8.46%
Average Annual Total Returns, 10 Years [Percent] 10.77%
Vanguard Variable Insurance Fund Total Bond Market Index Portfolio [Member]  
Variable Option [Line Items]  
Portfolio Company Objective [Text Block] Bond/Index Fund
Portfolio Company Name [Text Block] Vanguard® Variable Insurance FundTotal Bond Market Index Portfolio
Portfolio Company Adviser [Text Block] Vanguard Fixed Income Group
Current Expenses [Percent] 0.14%
Average Annual Total Returns, 1 Year [Percent] 6.94%
Average Annual Total Returns, 5 Years [Percent] (0.51%)
Average Annual Total Returns, 10 Years [Percent] 1.90%
Vanguard Variable Insurance Fund Total Stock Market Index Portfolio [Member]  
Variable Option [Line Items]  
Portfolio Company Objective [Text Block] Stock/Index Fund
Portfolio Company Name [Text Block] Vanguard® Variable Insurance FundTotal Stock Market Index Portfolio
Portfolio Company Subadviser [Text Block] Vanguard Global Equity Index Management
Current Expenses [Percent] 0.13%
Average Annual Total Returns, 1 Year [Percent] 16.93%
Average Annual Total Returns, 5 Years [Percent] 12.98%
Average Annual Total Returns, 10 Years [Percent] 14.10%
American Funds Insurance Series Washington Mutual Investors Fund SM [Member]  
Variable Option [Line Items]  
Portfolio Company Objective [Text Block] Stock/Income and Growth
Portfolio Company Name [Text Block] American Funds Insurance Series®Washington Mutual Investors FundSM [3],[8]
Portfolio Company Adviser [Text Block] Capital Research and Management CompanySM
Current Expenses [Percent] 0.25%
Average Annual Total Returns, 1 Year [Percent] 17.50%
Average Annual Total Returns, 5 Years [Percent] 14.17%
Average Annual Total Returns, 10 Years [Percent] 12.65%
Policy Year 1 [Member]  
Item 4. Fee Table [Line Items]  
Deferred Sales Load (of Amount Surrendered), Current [Percent] 8.00%
Policy Year 2 [Member]  
Item 4. Fee Table [Line Items]  
Deferred Sales Load (of Amount Surrendered), Current [Percent] 8.00%
Policy Year 3 [Member]  
Item 4. Fee Table [Line Items]  
Deferred Sales Load (of Amount Surrendered), Current [Percent] 8.00%
Policy Year 4 [Member]  
Item 4. Fee Table [Line Items]  
Deferred Sales Load (of Amount Surrendered), Current [Percent] 8.00%
Policy Year 5 [Member]  
Item 4. Fee Table [Line Items]  
Deferred Sales Load (of Amount Surrendered), Current [Percent] 8.00%
Policy Year 6 [Member]  
Item 4. Fee Table [Line Items]  
Deferred Sales Load (of Amount Surrendered), Current [Percent] 4.00%
Policy Year 7 [Member]  
Item 4. Fee Table [Line Items]  
Deferred Sales Load (of Amount Surrendered), Current [Percent] 4.00%
Policy Year 8 [Member]  
Item 4. Fee Table [Line Items]  
Deferred Sales Load (of Amount Surrendered), Current [Percent] 4.00%
Policy Year 9 [Member]  
Item 4. Fee Table [Line Items]  
Deferred Sales Load (of Amount Surrendered), Current [Percent] 4.00%
Policy Year 10 [Member]  
Item 4. Fee Table [Line Items]  
Deferred Sales Load (of Amount Surrendered), Current [Percent] 4.00%
Policy Year 11 Plus [Member]  
Item 4. Fee Table [Line Items]  
Deferred Sales Load (of Amount Surrendered), Current [Percent] 0.00%
Standard Death Benefit [Member]  
Item 10. Benefits Available [Line Items]  
Name of Benefit [Text Block] Death Benefit
Purpose of Benefit [Text Block] Transfer of the benefit of your policy upon the death of the annuitant for the benefit of the person or entity named as beneficiary.
Standard Benefit [Flag] true
Standard Benefit Expense (of Benefit Base), Maximum [Percent] 0.00%
Brief Restrictions / Limitations [Text Block]
•
Withdrawals may significantly reduce the benefit.
Name of Benefit [Text Block] Death Benefit
Automatic Dollar Cost Averaging [Member]  
Item 10. Benefits Available [Line Items]  
Name of Benefit [Text Block] Automatic Dollar Cost Averaging
Purpose of Benefit [Text Block] Allows you to transfer an established amount of money on a regular basis from the Guaranteed Interest Account (GIA) to an investment option.
Standard Benefit [Flag] true
Standard Benefit Expense (of Benefit Base), Maximum [Percent] 0.00%
Brief Restrictions / Limitations [Text Block] •The minimum amount that may be transferred from the GIA to an investment option is $500.•Only the GIA can be used as a source of the transfer.•Only available during the accumulation phase.•A minimum balance of $10,000 is required to be held in the GIA to enroll in the program.
Name of Benefit [Text Block] Automatic Dollar Cost Averaging
Asset Rebalancing [Member]  
Item 10. Benefits Available [Line Items]  
Name of Benefit [Text Block] Asset Rebalancing
Purpose of Benefit [Text Block] Allows you to have your investments rebalanced to your percentage allocation selection.
Standard Benefit [Flag] true
Standard Benefit Expense (of Benefit Base), Maximum [Percent] 0.00%
Brief Restrictions / Limitations [Text Block] •Only available during the accumulation phase.
Name of Benefit [Text Block] Asset Rebalancing
Risk of Loss [Member]  
Item 3. Key Information [Line Items]  
Risk [Text Block] Yes. You can lose money by investing in the policy.
Item 5. Principal Risks [Line Items]  
Principal Risk [Text Block]
Risk of Loss. You can lose money by investing in the policy.
Not Short Term Investment Risk [Member]  
Item 3. Key Information [Line Items]  
Risk [Text Block] No. A policy is not a short-term investment and is not appropriate for an investor who needs ready access to cash. It is designed for individuals seeking long-term investments, generally for retirement or other long-term purposes. Amounts withdrawn from the policy may result in surrender charges, taxes, and tax penalties.
Investment Options Risk [Member]  
Item 3. Key Information [Line Items]  
Risk [Text Block] An investment in the policy is subject to the risk of poor investment performance and can vary depending on the performance of the investment options available under the policy (e.g., Portfolio Companies). Each investment option (including any fixed account investment option) will have its own unique risks. You should review these investment options before making an investment decision.
Market Risk [Member]  
Item 5. Principal Risks [Line Items]  
Principal Risk [Text Block]
Market Risk. Investment in the policy is subject to the risk of poor investment performance and can vary depending on the performance of investment options available under the policy (e.g., Portfolio Companies). Each investment option (including any fixed account investment option) will have its own unique risks. You should review these investment options before making an investment decision.
Early Withdrawal Risk [Member]  
Item 5. Principal Risks [Line Items]  
Principal Risk [Text Block]
Early Withdrawal Risk. The policy is not a short-term investment and is not appropriate for you if you need ready access to cash. It is intended for retirement and long-term savings. Withdrawals may be subject to tax penalties or other unfavorable treatment (see “Taxes” below).
Insurance Company Risk [Member]  
Item 3. Key Information [Line Items]  
Risk [Text Block] An investment in the policy is subject to the risks related to American Fidelity Assurance Company, including that any obligations (including under the fixed account investment option), guarantees, or benefits are subject to the claims-paying ability of American Fidelity Assurance Company. More information about American Fidelity Assurance Company, including financial strength ratings, is available by sending an email request to va.help@americanfidelity.com.
Item 5. Principal Risks [Line Items]  
Principal Risk [Text Block]
Insurance Company Risk. Investment in the policy is subject to the risks related to the Insurance Company, American Fidelity Assurance Company, including that any obligations (including under the fixed account investment options), guarantees, or benefits are subject to the claims-paying ability of American Fidelity Assurance Company.
Contract Changes Risk [Member]  
Item 5. Principal Risks [Line Items]  
Principal Risk [Text Block]
Contract Changes Risk. There is the risk that in the future we will exercise our right to change certain fees or features of the policy, including the following:
  •  
We reserve the right to add or remove sub‑accounts as investment options;
  •  
At our discretion, we may substitute any of the portfolios available under the policy with another investment option;
  •  
We reserve the right to limit transfers; and
  •  
We may modify or limit certain policy features.
[1] Consists of a mortality and expense risk charge of 1.25%, an administrative charge of 0.15%, and a distribution expense charge of 0.10%. We currently charge a lower fee than the maximum allowed under the policy. The current fees and maximum fees we may charge are shown in the Annual Contract Expenses table. We may increase the administrative charge and/or the distribution expense charge, but neither will ever be more than 0.25% of the average daily value of your account invested in a portfolio.
[2] American Funds Insurance Series ® - International Fund was renamed to American Funds Insurance Series ® - EUPAC Fund™ effective on May 1, 2026.
[3] Class 1 Shares.
[4] The investment adviser is currently waiving a portion of its management fee equal to 0.06% of the fund's net assets. This waiver will be in effect through at least May 1, 2027. The waiver may only be modified or terminated with the approval of the fund's board
[5] Initial Share Class.
[6] The investment adviser has contractually agreed, until May 1, 2027, to waive receipt of its fees and/or assume the direct expenses of the fund so that the direct expenses of neither class of fund shares (excluding Rule 12b-1 fees, shareholder services fees, taxes, interest expense, brokerage commissions, commitment fees on borrowings and extraordinary expenses) exceed .70%. On or after May 1, 2027, the investment adviser may terminate this expense limitation agreement at any time.
[7] Vanguard® Variable Insurance Fund - Capital Growth Portfolio will be renamed to Vanguard® Variable Insurance Fund - PRIMECAP Portfolio on or about May 12, 2026.
[8] The investment adviser is currently waiving a portion of its management fee equal to 0.15% of the fund's net assets. This waiver will be in effect through at least May 1, 2027. The waiver may only be modified or terminated with the approval of the fund's board.