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Form N-6 Filings

SEC Form N-6 is a registration statement used by insurance companies' separate accounts that are organized as unit investment trusts and offer variable life insurance policies. It is filed under the Investment Company Act of 1940 and the Securities Act of 1933 to register the separate account and offer its securities.

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ID Form Filer Name Filing Agent Date Actions
23038157N-6Lincoln Life Flexible Premium Variable Life Account M Self 08/06/2026
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What Is SEC Form N-6?

SEC Form N-6 is an important filing required for separate accounts organized as unit investment trusts that offer variable life insurance policies. It is used to register under the Investment Company Act of 1940 and to offer securities under the Securities Act of 1933. These registrations can also be followed alongside other new SEC registrations to identify newly filed offerings and registration activity.

This form is typically filed when an insurance company's separate account is registered to offer variable life insurance contracts, or when updates are made through post-effective amendments. Once filed, it provides the SEC and investors with the disclosure required for the offering and ongoing registration of the separate account.

Form N-6 ensures transparency by requiring disclosure about the separate account, the variable life insurance contracts, fees, risks, and the operation of the offering. While it serves as the registration statement for these products, additional amendments or filings may be required as the offering continues or disclosure changes.

Researchers reviewing offering-related SEC filings may also use resources such as the Initial Public Offerings section of Filing Insights to compare registration activity across different types of securities offerings.

Key elements typically found in SEC Form N-6 include:

  • Name of the separate account and depositor
  • Description of the variable life insurance contracts being offered
  • Information about fees, charges, and expenses
  • Financial statements and other required disclosures
  • Risk factors and investment options
  • Signatures and required undertakings

When reviewing financial and registration disclosures, researchers may also need to identify securities information reported elsewhere in SEC filings. Our guide on how to find outstanding shares in an SEC filing explains how this information can be located and interpreted.

SEC Form N-6 Filing Deadlines

SEC Form N-6 has no single fixed filing deadline. It is generally filed as needed in connection with the registration of a new offering, and post-effective amendments may be filed to update the registration statement as required.

Filing Stage Timeline Details
Initial Form N-6 Filing As needed Filed to register a separate account organized as a unit investment trust that offers variable life insurance policies
Post-Effective Amendment As needed Filed to update or amend the registration statement when disclosure changes or annual updates are required
Effective Date Not applicable Timing depends on the type of filing and applicable Securities Act rules, including Rule 485, where relevant
Ongoing Updates As needed Additional filings may be required to keep the registration statement current

Key Things to Know About Form N-6 Filing Rules

  • Used for Variable Life Separate Accounts: Form N-6 applies to insurance company separate accounts organized as unit investment trusts that offer variable life insurance policies.
  • Dual Registration Function: The form is used both to register under the Investment Company Act of 1940 and to offer securities under the Securities Act of 1933.
  • Filed on an Ongoing Basis: Form N-6 may be filed for an initial registration and later updated through post-effective amendments as needed.
  • Disclosure-Focused Filing: The form includes material information about the contract, fees, risks, and operations of the separate account so that investors receive the required offering disclosure.
  • Rule-Based Effectiveness May Apply: Depending on the filing type, post-effective amendments on Form N-6 may become effective under applicable Securities Act rules.

Although Form N-6 serves a specialized insurance-product registration function, understanding the broader registration process can help put these filings in context. Our guide on how to prepare for an IPO provides additional background on registration statements, offering preparation, and SEC disclosure requirements for public securities offerings

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