# EDGAR Filing Document

**Accession Number:** 0000853285
**File Stem:** 0001193125-26-198986
**Filing Date:** 2026-5
**Character Count:** 36857
**Document Hash:** 98c3b5312f69d07c8d9547cc06a6a5b6
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-198986.hdr.sgml**: 20260501

**ACCESSION NUMBER**: 0001193125-26-198986

**CONFORMED SUBMISSION TYPE**: 497

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260501

**DATE AS OF CHANGE**: 20260501

**EFFECTIVENESS DATE**: 20260501

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** DELAWARE LIFE VARIABLE ACCOUNT F
- **CENTRAL INDEX KEY:** 0000853285

**ORGANIZATION NAME:**
- **EIN:** 042461439
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-225901
- **FILM NUMBER:** 26928727

**BUSINESS ADDRESS:**
- **STREET 1:** 1601 TRAPELO ROAD
- **STREET 2:** 230 THIRD AVENUE, 6TH FLOOR
- **CITY:** WALTHAM
- **STATE:** MA
- **ZIP:** 02451
- **BUSINESS PHONE:** 7817908774

**MAIL ADDRESS:**
- **STREET 1:** 1601 TRAPELO ROAD
- **STREET 2:** 230 THIRD AVENUE, 6TH FLOOR
- **CITY:** WALTHAM
- **STATE:** MA
- **ZIP:** 02451

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** SUN LIFE OF CANADA U S VARIABLE ACCOUNT F
- **DATE OF NAME CHANGE:** 19920703

## Series and Classes Contracts Data

### DELAWARE LIFE VARIABLE ACCOUNT F (Series ID: S000008074)

---

|  |  |
|:---|:---|
| Class Name    | Class ID   |
| Masters Prime | C000204561 |

---

## Series and Classes Contracts Data

### DELAWARE LIFE VARIABLE ACCOUNT F (Series ID: S000008074)

| Class ID   | Class Name    | Ticker Symbol   |
|:---|:---|:---|
| C000204561 | Masters Prime |  |

**SUPPLEMENT DATED MAY 1, 2026**

**TO PROSPECTUS AND UPDATING SUMMARY PROSPECTUS DATED MAY 1, 2025** <br>**FOR DELAWARE LIFE MASTERS PRIME**<sup>®</sup> **VARIABLE ANNUITY** 

**ISSUED BY**

**DELAWARE LIFE INSURANCE COMPANY**

**DELAWARE LIFE VARIABLE ACCOUNT F** 

The Delaware Life Masters Prime<sup>®</sup> Variable Annuity (the "Contract") is a flexible payment deferred variable annuity contract. Delaware Life Insurance Company (the "Company") offered the Contract to personal retirement and deferred compensation plans. **The Contract is no longer available for sale.**

This supplement provides certain updated information about your Contract. This supplement also provides a summary of the Contract features that have changed since the prospectus dated May 1, 2025. This may not reflect all the changes that have occurred since you entered into your Contract.

The prospectus for the Contract dated May 1, 2025, as supplemented, contains more information about the Contract including its features, benefits, and risks. If you have any questions about the Contract and wish to talk to a representative, you may call (877) 253-2323. You can find the May 1, 2025 Contract prospectus, the current prospectuses for the Funds and other information about the Contract online at https://dfinview.com/delawarelife/TAHD/246115166?site=Annuity. You can also obtain this information at no cost at <u>https://dfinreports.com/delawarelife</u>, by calling (800) 477-6545, or by sending an email request to customer.relations@delawarelife.com.

Financial statements of Delaware Life Variable Account F (the "Variable Account") for the year ended December 31, 2025 can be found online at https://dfinview.com/delawarelife/TAHD/246115166?site=Annuity. You can also obtain these financial statements at no cost at <u>https://dfinreports.com/delawarelife</u>, by calling (800) 477-6545, or by sending an email request to customer.relations@delawarelife.com.

**NOTE REGARDING THE AVAILABILITY OF THE COMPANY'S AUDITED FINANCIAL STATEMENTS**

**The financial guarantees we provide under your Contract are supported by the Company's general account and are subject to the Company's financial strength and claims-paying ability. Audited financial statements for the Company for the year-ended December 31, 2025 are not yet available, pending completion of the audit by the Company's independent certified public accountant. The Company's audited financial statements are delayed due to an ongoing review of the Company's affiliate and related-party transactions. As of the date of this supplement, it is uncertain when the Company's 2025 audited financial statements will become available.** 

**The variable investment options offered under the Contract are supported by the Variable Account, not the Company's general account. Financial statements of the Variable Account for the year-ended December 31, 2025 are available and may be obtained as instructed above.**

**During the delay in finalizing the Company's 2025 audited financial statements, you may continue to make transactions under the terms of your Contract, including:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● **Making additional purchase payments into your Contract (if otherwise permitted);**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● **Transferring or reallocating your Contract Value among investment options; and**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● **Any other transactions permitted under your Contract.**

**Notice will be provided once the Company's 2025 audited financial statements are available. Please contact us at (800) 477-6545 with any questions regarding the Company's financial statements or your Contract.**

------

The Contract is a complex investment and involves risks, including potential loss of principal. The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. If you take a withdrawal or surrender, you may be subject to a withdrawal charge and income taxes, including a 10% additional federal tax if you are younger than age 59 <sup>1</sup>∕2. Any obligations (including under any Fixed Account investment options) or guarantees under the Contract are subject to the Company's financial strength and claims-paying ability.

Additional information about certain investment products, including variable annuities, has been prepared by the Securities and Exchange Commission's staff and is available at *<u>www.Investor.gov</u>*.

**The Securities and Exchange Commission has not approved or disapproved these securities or determined if this supplement is accurate or complete. Any representation to the contrary is a criminal offense.**

------

**Table of Contents** 

---

| | |
|:---|:---|
| [SPECIAL TERMS](#xx_97d59990-9696-40d1-a448-bc409d226d0b_1) | 4 |
| [UPDATED INFORMATION ABOUT THE CONTRACT](#xx_fb9208fd-5214-4969-9ff8-689d4318709d_1) | 6 |
| [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#xx_8d5e5eab-7f5c-43cb-9d69-61ad069f4d00_1) | 7 |
| [APPENDIX A - FUNDS AVAILABLE UNDER THE CONTRACT](#xx_fa0fe986-f0d9-483c-98a7-4d124922f1f7_1) | 11 |
| [APPENDIX A - FIXED OPTIONS AVAILABLE UNDER THE CONTRACT](#xx_bb8310e8-e754-49ed-b0cd-0eb1509232b0_1) | 15 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [APPENDIX B - LIST OF DESIGNATED INVESTMENT OPTIONS AND OTHER INVESTMENT](#xx_6b4e16d2-f3fc-4a56-bb68-2a664d434ee0_1)<br> [RESTRICTIONS](#xx_6b4e16d2-f3fc-4a56-bb68-2a664d434ee0_1)<br>| 16 |

---

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**SPECIAL TERMS**

The following terms as used in this supplement have the indicated meanings:

**ANNUITY INCOME DATE:** The date the annuity payments begin.

**COMPANY ("we," "us," "our," "DELAWARE LIFE"):** Delaware Life Insurance Company, which is subject to state supervision. It is the depositor of the Variable Account in which the Contract participates.

**CONTRACT VALUE:** The sum of Variable Accumulation Value, if any, plus the Fixed Accumulation Value, if any, for that Valuation Period.

**CONTRACT YEAR:** A period of 365 days (366 days if a leap year) first measured from the Issue Date.

**DESIGNATED INVESTMENT OPTIONS:** The Subaccounts (and fixed Guarantee Period(s), if any) that we make available for use with the GLWB, the HAV Death Benefit, and the ROP Death Benefit riders.

**EARLY WITHDRAWAL:** Under the GLWB, any withdrawal taken prior to the Income Start Date.

**FIXED ACCOUNT:** A part of the Company's general account, consisting of all the Company's assets other than those allocated to the Company's separate accounts.

**FUND:** An open-end management investment company, registered under the Investment Company Act of 1940, in which the Subaccount invests.

**GLWB:** An optional living benefit rider that you may be eligible to elect on or before the Issue Date of your Contract, which guarantees that the Owner may withdraw and receive an annual amount each Contract Year.

**GOOD ORDER:** A complete instruction received by the Company, including legally and Company required information.

**GUARANTEE PERIOD:** The period for which a Guaranteed Interest Rate is credited. Each year in a Guarantee Period is 365 days (366 days if a leap year), first measured from the date of the allocation to the Guarantee Period. When available, the Company may offer different durations of Guarantee Periods. A Guarantee Period is also known as a Fixed Account option in the Prospectus.

**HAV DEATH BENEFIT:** An optional death benefit that you may be eligible to elect on or before the Issue Date of your Contract.

**INVESTMENT OPTION:** A division of the Variable Account which invests in shares of a Fund. An Investment Option is also known as a Subaccount in the Prospectus and Contract.

**ISSUE DATE:** The effective date of your Contract when we apply your initial Purchase Payment and issue your Contract.

**OWNER:** The person(s) or entity entitled to the ownership rights in the Contract. Joint Owners must be spouses recognized as such under federal tax laws.

**PURCHASE PAYMENT:** An amount paid to the Company as consideration for the benefits provided by the Contract.

**RECEIVE (receipt, receives, received by the Company):** Occurs when received by the Company in Good Order at our Service Address, or at such other location and by any means we identify as acceptable to us.

------

**ROP DEATH BENEFIT:** An optional death benefit that provides a death benefit equal to the higher of the Contract Value and the ROP Value.

**ROP VALUE:** Total Purchase Payments adjusted for any partial withdrawals under the ROP Death Benefit rider.

**SERVICE ADDRESS:** By mail, Delaware Life Insurance Company, P.O. Box 758581, Topeka, KS 66675-8581; by express mail, Delaware Life Insurance Company, Mail Zone 581, 5801 SW 6th Avenue, Topeka, KS 66636; and by facsimile at (785)286-6118, or such other address specified by written notice, to which all correspondence concerning your Contract should be sent.

**SUBACCOUNT:** A division of the Variable Account which invests in shares of a Fund. A Subaccount is also known as a Investment Option in the Prospectus and Contract.

**VALUATION PERIOD:** The period of time beginning at the close of regular trading on the NYSE each Business Day and ending at the close of such trading on the next Business Day.

**VARIABLE ACCOUNT:** Delaware Life Variable Account F, which is a separate account of the Company registered under the Investment Company Act of 1940 and consisting of assets set aside by the Company, the investment performance of which is kept separate from that of the general assets of the Company and which is not chargeable with liabilities arising out of any other business of the Company.

**VARIABLE ACCUMULATION UNIT:** A unit of measure, for each Subaccount of the Variable Account. It is used to calculate the Contract Value allocated to each Subaccount of the Variable Account during the Accumulation Phase.

**VARIABLE ACCUMULATION VALUE:** The sum of the values of all the Variable Accumulation Units in the Subaccounts supporting your Contract for a Valuation Period.

**WITHDRAWAL BENEFIT BASE:** Under the GLWB, the amount used to calculate the AWA and the GLWB Fee.

**WITHDRAWAL CHARGE(S):** The charge which will be applied in the event that you make a partial withdrawal or surrender your Contract during the period when the Withdrawal Charge applies.

**YOU and YOUR:** The terms "you" and "your" refer to the "Owner," as that term is used in this Prospectus.

------

**UPDATED INFORMATION ABOUT THE CONTRACT**

The information in this supplement is a summary of the Contract features that have changed since the prospectus dated May 1, 2025. This may not reflect all the changes that have occurred since you entered into your Contract.

**Audited financial statement for the Company for the year ended December 31, 2025 are not yet available. Please refer to the Cover Page for more information.** 

**Changes Affecting the Funds**

*Name Changes* 

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| | |
|:---|:---|
| ***<u>Current Fund Name</u>*** | ***<u>New Fund Name</u>*** |
| American Funds Insurance Series<sup>®</sup> International Fund  | American Funds Insurance Series<sup>®</sup> EUPAC Fund <sup>TM</sup> <br>|
| Putnam VT Research Fund | Putnam VT U.S. Research Fund |

---

*Expenses and Performance Information*

The expenses and performance information have been updated and are reflected in Appendix A-Funds Available under the Contract and Fees and Expenses in this supplement.

------

**IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT** 

---

| | | |
|:---|:---|:---|
|  | **FEES AND EXPENSES** | &nbsp;&nbsp; **Location In The**<br> **Prospectus**<br>|
| **Are There** <br> **Charges for** <br> **Early** <br> **Withdrawals?**<br>| &nbsp;&nbsp; **Yes.** If you withdraw money from your Contract within 7 years following <br> your last Purchase Payment, you will be assessed a Withdrawal Charge of <br> up to 8.0% (as a percentage of Purchase Payments withdrawn), declining to <br> 0% over that time period. For example, if you make a withdrawal, you could <br> pay a Withdrawal Charge of up to $8,000 on a $100,000 investment. This <br> loss will be greater if there are taxes or tax penalties. | &nbsp;&nbsp; **Fee Table -**<br> **Transaction**<br> **Expenses**<br> **Withdrawals,**<br> **Surrenders, and**<br> **Withdrawal**<br> **Charges**<br>|
| **Are There** <br> **Transaction** <br> **Charges?**<br>| &nbsp;&nbsp; **Yes.** In addition to charges for withdrawals, you may also be charged for <br> other transactions. There may be taxes on Purchase Payments and charges <br> for transfers between investment options. Currently, we do not charge for <br> transfers. However, we reserve the right to charge $25 per transfer after the <br> first 12 transfers per Contract Year. There may be fees for wire transfers or <br> other expedited forms of payment of Contract proceeds. | &nbsp;&nbsp; **Fee Table -**<br> **Transaction**<br> **Expenses**<br> **Contract Charges**<br>|

---

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**FEES AND EXPENSES (CONT.)** **Location In The** **Prospectus** 

------

**RISKS** **Location In The** **Prospectus** 

**RESTRICTIONS** **Location In The** **Prospectus** 

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**RESTRICTIONS (CONT.)** **Location In The** **Prospectus** 

**TAXES** **Location In The** **Prospectus** 

**CONFLICTS OF INTEREST** **Location In The** **Prospectus** 

------

**APPENDIX A - FUNDS** <br>**AVAILABLE UNDER THE CONTRACT**

The following is a list of Funds available under the Contract. More information about the Funds is available in the prospectuses for the Funds, which may be amended from time to time and can be found online at https://dfinview.com/delawarelife/TAHD/246115166?site=Annuity. You can also request this information at no cost at https://dfinreports.com/DelawareLife, by calling (800) 477-6545, or by sending an email request to customer.relations@delawarelife.com. Depending on the optional benefits you choose, you may not be able to invest in certain Funds. See APPENDIX B - LIST OF DESIGNATED FUNDS AND OTHER INVESTMENT RESTRICTIONS.

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 other charges were included. A Fund's past performance is not necessarily an indication of future performance.

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Fund** | **Adviser/Subadviser** | **Current**<br> **Expenses** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Fund** | **Adviser/Subadviser** | **Current**<br> **Expenses** | **1 Year** | **5 Year** | **10 Year** |
| Allocation - Moderate | AB Variable Products Series Fund, Inc.<br> **Balanced Hedged Allocation Portfolio**<br> **Class B**<br>| AllianceBernstein, L.P. | 0.98%<sup>1</sup> <br>| 17.36% | &nbsp;&nbsp; 5.64% | &nbsp;&nbsp; 6.74% |
| Equity - US Small Cap | AB Variable Products Series Fund, Inc.<br> **Discovery Value Portfolio**<br> **Class B**<br>| AllianceBernstein, L.P. | 1.07% | &nbsp;&nbsp; 2.64% | &nbsp;&nbsp; 8.48% | &nbsp;&nbsp; 8.27% |
| Equity - US Large Cap <br> Growth<br>| AB Variable Products Series Fund, Inc.<br> **Large Cap Growth Portfolio**<br> **Class B**<br>| AllianceBernstein, L.P. | 0.90% | 12.85% | 11.76% | 15.88% |
| Allocation - Moderate | American Funds Insurance Series<sup>®</sup> <br>**American Funds**<sup>®</sup> **Global Balanced Fund**<br> **Class 4**<br>| Capital Research and <br> Management Company<br>| 1.01%<sup>1</sup> <br>| 16.96% | &nbsp;&nbsp; 5.85% | &nbsp;&nbsp; 7.43% |
| Allocation - Moderate | American Funds Insurance Series<sup>®</sup> <br>**Asset Allocation Fund**<br> **Class 4**<br>| Capital Research and <br> Management Company<br>| 0.79% | 15.59% | &nbsp;&nbsp; 8.70% | &nbsp;&nbsp; 9.50% |
| Equity - Global Large <br> Cap<br>| American Funds Insurance Series<sup>®</sup> <br>**EUPAC Fund™**<sup>2</sup> <br>**Class 4**<br>| Capital Research and <br> Management Company<br>| 0.97%<sup>1</sup> <br>| 26.41% | &nbsp;&nbsp; 3.14% | &nbsp;&nbsp; 6.73% |
| Equity - Global Large <br> Cap<br>| American Funds Insurance Series<sup>®</sup> <br>**Global Growth Fund**<br> **Class 4**<br>| Capital Research and <br> Management Company<br>| 0.90%<sup>1</sup> <br>| 21.34% | &nbsp;&nbsp; 7.97% | 11.89% |
| Equity - US Large Cap <br> Growth<br>| American Funds Insurance Series<sup>®</sup> <br>**Growth Fund**<br> **Class 4**<br>| Capital Research and <br> Management Company<br>| 0.83% | 19.93% | 13.09% | 17.67% |
| Equity - US Large Cap <br> Blend<br>| American Funds Insurance Series<sup>®</sup> <br>**Growth-Income Fund**<br> **Class 4**<br>| Capital Research and <br> Management Company<br>| 0.78% | 17.77% | 13.62% | 13.63% |
| Equity - Global <br> Emerging Markets<br>| American Funds Insurance Series<sup>®</sup> <br>**New World Fund**<sup>®</sup> <br>**Class 4**<br>| Capital Research and <br> Management Company<br>| 1.07%<sup>1</sup> <br>| 27.92% | &nbsp;&nbsp; 5.06% | &nbsp;&nbsp; 8.98% |
| Allocation - Moderate | BlackRock Variable Series Funds, Inc.<br> **BlackRock Global Allocation V.I. Fund**<br> **Class III**<br>| BlackRock Advisors, LLC /<br> BlackRock International <br> Limited, BlackRock <br> (Singapore) Limited<br>| 1.01%<sup>1</sup> <br>| 19.42% | &nbsp;&nbsp; 5.51% | &nbsp;&nbsp; 7.33% |
| Equity - US Mid Cap | Legg Mason Partners Variable Equity Trust<br> **ClearBridge Variable Mid Cap Portfolio**<br> **Class II**<br>| Franklin Templeton Fund <br> Advisor, LLC / ClearBridge <br> Investments, LLC<br>| 1.07% | &nbsp;&nbsp; 4.08% | &nbsp;&nbsp; 4.23% | &nbsp;&nbsp; 7.24% |
| Equity - US Large Cap <br> Value<br>| Columbia Funds Variable Series Trust II<br> **Columbia Variable Portfolio – Select** <br> **Large Cap Value Fund**<br> **Class 2**<br>| Columbia Management <br> Investment Advisers, LLC<br>| 0.94% | 27.97% | 13.32% | 12.30% |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Fund** | **Adviser/Subadviser** | **Current**<br> **Expenses** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Fund** | **Adviser/Subadviser** | **Current**<br> **Expenses** | **1 Year** | **5 Year** | **10 Year** |
| Allocation - Moderate | First Trust Variable Insurance Trust<br> **First Trust/Dow Jones Dividend & Income** <br> **Allocation Portfolio**<br> **Class I**<br>| First Trust Advisors L.P. | 1.18% | &nbsp;&nbsp; 5.30% | &nbsp;&nbsp; 3.98% | &nbsp;&nbsp; 6.68% |
| Equity - US Large Cap <br> Blend<br>| Goldman Sachs Variable Insurance Trust<br> **Goldman Sachs U.S. Equity Insights Fund**<br> **Service Shares**<br>| Goldman Sachs Asset <br> Management, L.P.<br>| 0.77%<sup>1</sup> <br>| 15.49% | 13.56% | 13.48% |
| Fixed Income - US | AIM Variable Insurance Funds (Invesco <br> Variable Insurance Funds)<br> **Invesco V.I. Core Plus Bond Fund**<br> **Series II**<br>| Invesco Advisers, Inc. | 0.87%<sup>1</sup> <br>| &nbsp;&nbsp; 6.96% | -0.36% | &nbsp;&nbsp; 2.73% |
| Allocation - Moderate | AIM Variable Insurance Funds (Invesco <br> Variable Insurance Funds)<br> **Invesco V.I. Equity and Income Fund**<br> **Series II**<br>| Invesco Advisers, Inc. | 0.82% | 12.52% | &nbsp;&nbsp; 8.68% | &nbsp;&nbsp; 8.64% |
| Allocation - Aggressive | Lazard Retirement Series, Inc.<br> **Lazard Retirement Global Dynamic** <br> **Multi-Asset Portfolio**<br> **Service Shares**<br>| Lazard Asset <br> Management LLC<br>| 1.05%<sup>1</sup> <br>| 15.72% | &nbsp;&nbsp; 5.19% | &nbsp;&nbsp; 5.93% |
| Fixed Income - US | Lord Abbett Series Fund, Inc.<br> **Bond Debenture Portfolio**<br> **Class VC**<br>| Lord, Abbett & Co. LLC | 0.98% | &nbsp;&nbsp; 8.33% | &nbsp;&nbsp; 2.10% | &nbsp;&nbsp; 4.72% |
| Equity - US Small Cap | MFS<sup>®</sup> Variable Insurance Trust III<br> **MFS**<sup>®</sup> **Blended Research**<sup>®</sup> **Small Cap** <br> **Equity Portfolio**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.83%<sup>1</sup> <br>| &nbsp;&nbsp; 5.49% | &nbsp;&nbsp; 6.62% | &nbsp;&nbsp; 8.82% |
| Allocation - Cautious | MFS<sup>®</sup> Variable Insurance Trust III<br> **MFS**<sup>®</sup> **Conservative Allocation Portfolio**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.95% | &nbsp;&nbsp; 9.72% | &nbsp;&nbsp; 2.83% | &nbsp;&nbsp; 5.43% |
| Equity - US Large Cap <br> Blend<br>| MFS<sup>®</sup> Variable Insurance Trust II<br> **MFS**<sup>®</sup> **Core Equity Portfolio**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 1.03%<sup>1</sup> <br>| 12.22% | 11.26% | 13.53% |
| Equity - Global Large <br> Cap<br>| MFS<sup>®</sup> Variable Insurance Trust II<br> **MFS**<sup>®</sup> **Global Growth Portfolio**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 1.13%<sup>1</sup> <br>| &nbsp;&nbsp; 7.43% | &nbsp;&nbsp; 6.50% | 11.48% |
| Equity - Real Estate <br> Sector<br>| MFS<sup>®</sup> Variable Insurance Trust III<br> **MFS**<sup>®</sup> **Global Real Estate Portfolio**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 1.15%<sup>1</sup> <br>| &nbsp;&nbsp; 3.30% | &nbsp;&nbsp; 1.08% | &nbsp;&nbsp; 4.76% |
| Allocation - Aggressive | MFS<sup>®</sup> Variable Insurance Trust III<br> **MFS**<sup>®</sup> **Growth Allocation Portfolio**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 1.05% | 11.87% | &nbsp;&nbsp; 5.93% | &nbsp;&nbsp; 8.95% |
| Equity - US Mid Cap | MFS<sup>®</sup> Variable Insurance Trust<br> **MFS**<sup>®</sup> **Mid Cap Growth Series**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 1.06%<sup>1</sup> <br>| &nbsp;&nbsp; 3.40% | &nbsp;&nbsp; 3.03% | 11.32% |
| Allocation - Moderate | MFS<sup>®</sup> Variable Insurance Trust III<br> **MFS**<sup>®</sup> **Moderate Allocation Portfolio**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.97% | 10.96% | &nbsp;&nbsp; 4.55% | &nbsp;&nbsp; 7.35% |
| Equity - US Small Cap | MFS<sup>®</sup> Variable Insurance Trust<br> **MFS**<sup>®</sup> **New Discovery Series**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 1.12%<sup>1</sup> <br>| 12.56% | -0.54% | 10.46% |
| Equity - US Small Cap | MFS<sup>®</sup> Variable Insurance Trust III<br> **MFS**<sup>®</sup> **New Discovery Value Portfolio**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 1.13%<sup>1</sup> <br>| &nbsp;&nbsp; 2.88% | &nbsp;&nbsp; 8.22% | 10.30% |
| Equity - Technology <br> Sector<br>| MFS<sup>®</sup> Variable Insurance Trust II<br> **MFS**<sup>®</sup> **Technology Portfolio**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 1.07%<sup>1</sup> <br>| 16.28% | 12.17% | 18.35% |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Fund** | **Adviser/Subadviser** | **Current**<br> **Expenses** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Fund** | **Adviser/Subadviser** | **Current**<br> **Expenses** | **1 Year** | **5 Year** | **10 Year** |
| Fixed Income - US | MFS<sup>®</sup> Variable Insurance Trust<br> **MFS**<sup>®</sup> **Total Return Bond Series**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.78%<sup>1</sup> <br>| &nbsp;&nbsp; 6.94% | -0.09% | &nbsp;&nbsp; 2.38% |
| Allocation - Moderate | MFS<sup>®</sup> Variable Insurance Trust<br> **MFS**<sup>®</sup> **Total Return Series**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.86%<sup>1</sup> <br>| 10.91% | &nbsp;&nbsp; 6.16% | &nbsp;&nbsp; 7.36% |
| US Money Market | MFS<sup>®</sup> Variable Insurance Trust II<br> **MFS**<sup>®</sup> **U.S. Government Money Market** <br> **Portfolio**<sup>3</sup> <br>**Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.45%<sup>1</sup> <br>| &nbsp;&nbsp; 3.85% | &nbsp;&nbsp; 2.87% | &nbsp;&nbsp; 1.77% |
| Equity - US Large Cap <br> Value<br>| MFS<sup>®</sup> Variable Insurance Trust<br> **MFS**<sup>®</sup> **Value Series**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.94%<sup>1</sup> <br>| 12.77% | &nbsp;&nbsp; 9.69% | &nbsp;&nbsp; 9.77% |
| Allocation - Moderate | Morgan Stanley Variable Insurance Fund, <br> Inc.<br> **Global Strategist Portfolio**<br> **Class II**<br>| Morgan Stanley Investment <br> Management, Inc. / Morgan <br> Stanley Investment <br> Management Limited<br>| 1.00%<sup>1</sup> <br>| 17.36% | &nbsp;&nbsp; 5.21% | &nbsp;&nbsp; 6.75% |
| Equity - US Large Cap <br> Growth<br>| Morgan Stanley Variable Insurance Fund, <br> Inc.<br> **Growth Portfolio**<br> **Class II**<br>| Morgan Stanley Investment <br> Management, Inc.<br>| 0.82%<sup>1</sup> <br>| 35.38% | &nbsp;&nbsp; 3.15% | 17.46% |
| Commodities Broad <br> Basket<br>| PIMCO Variable Insurance Trust<br> **PIMCO CommodityRealReturn**<sup>®</sup> <br> **Strategy Portfolio**<br> **Advisor Class**<br>| Pacific Investment <br> Management Company LLC<br>| 3.29%<sup>1</sup> <br>| 18.85% | 10.47% | &nbsp;&nbsp; 6.43% |
| Fixed Income - Global | PIMCO Variable Insurance Trust<br> **PIMCO International Bond Portfolio** <br> **(U.S. Dollar-Hedged)**<br> **Advisor Class**<br>| Pacific Investment <br> Management Company LLC<br>| 1.19% | &nbsp;&nbsp; 3.85% | &nbsp;&nbsp; 0.93% | &nbsp;&nbsp; 2.78% |
| Fixed Income - US | PIMCO Variable Insurance Trust<br> **PIMCO Total Return Portfolio**<br> **Advisor Class**<br>| Pacific Investment <br> Management Company LLC<br>| 0.83% | &nbsp;&nbsp; 8.78% | -0.08% | &nbsp;&nbsp; 2.26% |
| Allocation - Moderate | Putnam Variable Trust<br> **Putnam VT George Putnam Balanced** <br> **Fund**<br> **Class IB**<br>| Putnam Investment <br> Management, LLC / Franklin <br> Advisers, Inc, Franklin <br> Templeton Investment <br> Management Limited<br>| 0.88% | 13.95% | &nbsp;&nbsp; 8.85% | 10.17% |
| Allocation - Moderate | Putnam Variable Trust<br> **Putnam VT Global Asset Allocation Fund**<br> **Class IB**<br>| Franklin Advisers, Inc. / The <br> Putnam Advisory Company, <br> LLC, Putnam Investment <br> Management, LLC, Franklin <br> Templeton Investment <br> Management Limited<br>| 1.09%<sup>1</sup> <br>| 14.38% | &nbsp;&nbsp; 8.39% | &nbsp;&nbsp; 8.43% |
| Equity - Healthcare <br> Sector<br>| Putnam Variable Trust<br> **Putnam VT Global Health Care Fund**<br> **Class IB**<br>| Putnam Investment <br> Management, LLC / The <br> Putnam Advisory Company, <br> LLC, Franklin Advisers, Inc, <br> Franklin Templeton <br> Investment Management <br> Limited<br>| 1.00% | 15.05% | &nbsp;&nbsp; 7.71% | &nbsp;&nbsp; 8.36% |
| Fixed Income - US | Putnam Variable Trust<br> **Putnam VT Income Fund**<br> **Class IB**<br>| Franklin Advisers, Inc. /<br> Putnam Investment <br> Management, LLC, Franklin <br> Templeton Investment <br> Management Limited<br>| 0.82% | &nbsp;&nbsp; 7.25% | -1.13% | &nbsp;&nbsp; 1.89% |
| Equity - US Large Cap <br> Value<br>| Putnam Variable Trust<br> **Putnam VT Large Cap Value Fund**<br> **Class IB**<br>| Putnam Investment <br> Management, LLC / Franklin <br> Advisers, Inc, Franklin <br> Templeton Investment <br> Management Limited<br>| 0.79% | 20.35% | 15.38% | 13.30% |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Fund** | **Adviser/Subadviser** | **Current**<br> **Expenses** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Fund** | **Adviser/Subadviser** | **Current**<br> **Expenses** | **1 Year** | **5 Year** | **10 Year** |
| Equity - US Large Cap <br> Blend<br>| Putnam Variable Trust<br> **Putnam VT U.S. Research Fund**<sup>4</sup> <br>**Class IB**<br>| Putnam Investment <br> Management, LLC / The <br> Putnam Advisory Company, <br> LLC, Franklin Advisers, Inc, <br> Franklin Templeton <br> Investment Management <br> Limited<br>| 0.93% | 17.88% | 14.52% | 15.07% |
| Fixed Income - US | Legg Mason Partners Variable Income Trust<br> **Western Asset Core Plus VIT Portfolio**<br> **Class II**<br>| Franklin Templeton Fund <br> Adviser, LLC / Western Asset <br> Management Company, LLC, <br> Western Asset Management <br> Company Limited, Western <br> Asset Management Company <br> Ltd in Japan, Western Asset <br> Management Company Pte. <br> Ltd. in Singapore<br>| 0.79%<sup>1</sup> <br>| &nbsp;&nbsp; 7.69% | -1.67% | &nbsp;&nbsp; 1.85% |

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The Fund's current expenses are subject to a temporary expense reimbursement and/or fee waiver. Please refer to the Fund's prospectus for more information.

Prior to May 1, 2026, the name of this fund was International Fund.

There is no assurance that this Fund will be able to maintain a stable net asset value per share. In addition, during periods of low interest rates, and partly as a result of asset based separate account charges, the yield on this Fund may become low and possibly negative.

Prior to May 1, 2026, the name of this fund was Putnam VT Research Fund.

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 **APPENDIX A - FIXED OPTIONS AVAILABLE UNDER THE CONTRACT**

The following is the list of the Fixed Account options currently available under the Contract. We may change the features of the Fixed Account options listed below, offer new Fixed Account options, and cease offering an existing Fixed Account option. We will provide you with written notice before doing so. See **"**Additional Features and Services**",** "THE FIXED ACCOUNT", "THE FIXED ACCOUNT OPTIONS:THE GUARANTEE PERIODS" and "THE ACCUMULATION PHASE", "BENEFITS AVAILABLE UNDER THE CONTRACT – Dollar-Cost Averaging Program" in the prospectus.

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| | | |
|:---|:---|:---|
| **Name** | **Term** | **Minimum Guaranteed Interest Rate** |
| Guarantee Period | One (1) Year | 1% |
| Dollar-Cost Averaging | 6 Months and 12 Months | 1% |

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**APPENDIX B -LIST** <br> **OF DESIGNATED INVESTMENT OPTIONS AND OTHER INVESTMENT RESTRICTIONS**

If you own any of the optional benefit riders listed below, your Contract is subject to investment restrictions that limit the investment options that are available to you:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● GLWB

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● HAV Death Benefit

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● ROP Death Benefit

***If you violate the investment restrictions applicable to your benefit, your benefit will terminate automatically.***

***Investment Restrictions***

If you own any of these optional benefit riders, only the Funds that we have designated as "Designated Investment Options" are available for investment. We limit the number and type of available Designated Investment Options and impose minimum and maximum allocation requirements for each Designated Investment Option category in our sole discretion. Currently, the Designated Investment Options and four category aggregate allocation percentages, are the following:

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| | | |
|:---|:---|:---|
| Categories | Minimum/Maximum Aggregate<br> Allocation Percentages<br>| Designated Investment Options |
| Category I | Minimum 20%<br> maximum 100%<br>| &nbsp;&nbsp;&nbsp; American Funds Insurance Series®, Asset Allocation Fund<br> BlackRock Global Allocation V.I. Fund<br> First Trust/Dow Jones Dividend & Income Allocation Portfolio<br> Invesco V.I. Core Plus Bond Fund<br> Lord Abbett Series Fund, Bond Debenture Portfolio<br> MFS® Conservative Allocation Portfolio<br> MFS® U.S. Government Money Market Portfolio<br> MFS® Total Return Bond Series<br> PIMCO Total Return Portfolio<br> PIMCO International Bond Portfolio (U.S. Dollar-Hedged)<br> Putnam VT Income Fund<br> Legg Mason Partners Variable Income Trust, Western Asset Core Plus <br> VIT Portfolio<br>|
| Category II | Minimum 0%<br> maximum 80%<br>| &nbsp;&nbsp;&nbsp; AB Balanced Hedged Allocation Portfolio<br> AB Large Cap Growth Portfolio<br> American Funds Insurance Series®, Global Balanced Fund<br> American Funds Insurance Series®, Global Growth Fund<br> American Funds Insurance Series®, Growth Fund<br> American Funds Insurance Series®, Growth-Income Fund<br> Columbia Variable Portfolio - Select Large Cap Value Fund<br> Goldman Sachs V.S. Equity Insights Fund<br> Invesco V.I. Equity and Income Fund<br> Lazard Retirement Global Dynamic Multi-Asset Portfolio<br> MFS® Core Equity Portfolio<br> MFS® Global Growth Portfolio<br> MFS® Growth Allocation Portfolio<br> MFS® Moderate Allocation Portfolio<br> MFS® Total Return Series<br> MFS® Value Series<br> Morgan Stanley Variable Insurance Fund, Inc., Global Strategist <br> Portfolio<br> Putnam VT Large Cap Value Fund<br> Putnam VT George Putnam Balanced Fund<br> Putnam VT Global Asset Allocation Fund<br>|

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| | | |
|:---|:---|:---|
| Categories | Minimum/Maximum Aggregate<br> Allocation Percentages<br>| Designated Investment Options |
|  |  | Putnam VT U.S. Research Fund |
| Category III | Minimum 0%<br> maximum 25%<br>| &nbsp;&nbsp;&nbsp; AB Discovery Value Portfolio<br> American Funds Insurance Series®, EUPAC<sup>TM</sup> Fund<br> American Funds Insurance Series®, New World Fund®<br> Legg Mason Partners Variable Equity Trust, ClearBridge Variable Mid <br> Cap Portfolio<br> MFS® Blended Research® Small Cap Equity Portfolio<br> MFS® Mid Cap Growth Series<br> MFS® New Discovery Series<br> MFS® New Discovery Value Portfolio<br> Morgan Stanley Variable Insurance Fund, Inc., Growth Portfolio<br>|
| Category IV | Minimum 0%<br> maximum 10%<br>| MFS® Technology Portfolio<br> MFS® Global Real Estate Portfolio<br> PIMCO Commodity Real Return® Strategy Portfolio<br> Putnam VT Global Health Care Fund<br>|

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You may transfer funds within the categories as long as your allocations remain within the percentage ranges we have established and may change from time to time, and you adhere to the transfer provisions of your Contract. (See "*Transfers Among the Subaccounts and the Fixed Account" and "Restrictions on Frequent Transfers.*")

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The prospectus and statement of additional information (SAI) dated May 1, 2025, as supplemented, include additional information. The prospectus and SAI are available, without charge, upon request at https://dfinreports.com/DelawareLife. You can request the prospectus and SAI, or other information at no cost by calling (800) 477-6545, or by sending an email request to customer.relations@delawarelife.com. You can also access other information about the Contract online at https://dfinview.com/delawarelife/TAHD/246115166?site=Annuity.

Reports and other information about the Variable Account are available on the SEC's website at https://www.sec.gov and copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov.

EDGAR Contract Identifier No.: C000204561

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