# EDGAR Filing Document

**Accession Number:** 0000706113
**File Stem:** 0001193125-26-201654
**Filing Date:** 2026-5
**Character Count:** 13285
**Document Hash:** fdfb8543cdb22c2b74de5473cff1fe67
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-201654.hdr.sgml**: 20260501

**ACCESSION NUMBER**: 0001193125-26-201654

**CONFORMED SUBMISSION TYPE**: N-VP

**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 L
- **CENTRAL INDEX KEY:** 0000706113

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

**FILING VALUES:**
- **FORM TYPE:** N-VP
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 033-19628
- **FILM NUMBER:** 26933505

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

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

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** SUN LIFE OF CANADA (U.S.) VARIABLE ACCOUNT L
- **DATE OF NAME CHANGE:** 20111209

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** MONEY MARKET VARIABLE ACCOUNT /MA/
- **DATE OF NAME CHANGE:** 19920703

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** COMPASS MONEY MARKET VARIABLE ACCOUNT
- **DATE OF NAME CHANGE:** 19880121

## Series and Classes Contracts Data

### DELAWARE LIFE VARIABLE ACCOUNT L (Series ID: S000002619)

| Class ID   | Class Name          | Ticker Symbol   |
|:---|:---|:---|
| C000007205 | Compass 3           |  |
| C000007206 | Compass 3 - Level 2 |  |

**NOTICE DOCUMENT**

**COMPASS 3 VARIABLE ANNUITY**

ISSUED BY

**DELAWARE LIFE INSURANCE COMPANY**

**DELAWARE LIFE VARIABLE ACCOUNT L** 

**May 1, 2026**

The Compass 3 Variable Annuity (the "Contract") is a flexible payment deferred variable annuity contract issued by Delaware Life Insurance Company (the "Company"). The Contract is no longer offered for sale.

This Notice Document provides certain updated information about your Contract.

Updated financial statements for Delaware Life Variable Account L (the "Variable Account") can be found online at https://dfinview.com/DelawareLife/TAHD/866793300?site=Annuity.

The Contract prospectus dated May 2, 2016, as supplemented, contains more information about the Contract including its features, benefits, and risks. You can obtain the prospectus and financial statements at no cost 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 Notice Document, 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 general information about certain investment products, including variable annuities, has been prepared by the Securities and Exchange Commission's staff and is available at www.Investor.gov.

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

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**Table of Contents** 

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| | |
|:---|:---|
| [SPECIAL TERMS](#xx_91a73798-b232-4093-8a30-35fe219050bc_1) | 4 |
| [UPDATED INFORMATION ABOUT THE CONTRACT](#xx_5beebbad-8c04-4a60-aa3d-a7bb89f99012_1) | 5 |
| [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#xx_6f1169f2-8ae3-4b9e-8693-f8240ec50a47_1) | 6 |
| [APPENDIX - FUNDS AVAILABLE UNDER THE CONTRACT](#xx_df4fbc11-8f47-4524-900f-f4ec7cf62064_1) | 9 |
| [APPENDIX - FIXED OPTIONS AVAILABLE UNDER THE CONTRACT](#xx_7eda7142-a05f-4021-869c-dd8a41cafb99_1) | 10 |

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**SPECIAL TERMS**

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

**COMPANY ("WE", "US" "DELAWARE LIFE"):** Delaware Life Insurance Company.

**CONRACT YEAR and CONTRACT ANNIVERSARY:** The first Contract Year is the period of 12 months plus a part of a month as measured from the date on which we issue your Contract to the first day of the calendar month that follows the calendar month of issue. All Contract Years and Contract Anniversaries thereafter are 12 month periods based upon the first day of the calendar month that follows the calendar month of issue.

**FIXED ACCOUNT:** The Fixed Account consists of all assets of the Company other than those allocated to a separate account of the Company.

**FUND:** One of the investment portfolios of the MFS<sup>®</sup> Variable Insurance Trust and the MFS<sup>®</sup> Variable Insurance Trust II.

**OWNER:** The person, persons or entity entitled to the ownership rights stated in the Contract and in whose name or names the Contract is issued.

**SERVICE ADDRESS:** P.O. Box 758581, Topeka, KS 66675-8581 or such other address as we may hereafter specify to you by written notice.

**VARIABLE ACCOUNT:** Delaware Life Variable Account L, which is a separate account of the Company 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.

**YOU and YOUR:** The terms "you" and "your" refer to the Owner of the Contract.

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**UPDATED INFORMATION ABOUT THE CONTRACT** 

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

***Audited financial statements 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*** 

Please see Fees and Expenses and the Appendix to this Notice Document for updated Fund expenses and performance information.

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

**FEES AND EXPENSES** **Location In The** **Prospectus** 

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

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

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

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

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

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**APPENDIX - FUNDS 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/866793300?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.

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.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Fund** | **Adviser/Subadviser** | **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** | **1 Year** | **5 Year** | **10 Year** |
| Fixed Income - Global | MFS<sup>®</sup> Variable Insurance Trust II<br> **MFS**<sup>®</sup> **Global Governments Portfolio**<br> **Initial Class**<br>| Massachusetts Financial <br> Services Company<br>0.70%<sup>1</sup> <br>| &nbsp;&nbsp; 6.54% | -4.43% | -0.07% |
| Fixed Income - US | MFS<sup>®</sup> Variable Insurance Trust II<br> **MFS**<sup>®</sup> **Government Securities Portfolio**<br> **Initial Class**<br>| Massachusetts Financial <br> Services Company<br>0.56%<sup>1</sup> <br>| &nbsp;&nbsp; 6.99% | -0.68% | &nbsp;&nbsp; 1.29% |
| Fixed Income - US | MFS<sup>®</sup> Variable Insurance Trust II<br> **MFS**<sup>®</sup> **High Yield Portfolio**<br> **Initial Class**<br>| Massachusetts Financial <br> Services Company<br>0.72%<sup>1</sup> <br>| &nbsp;&nbsp; 8.65% | &nbsp;&nbsp; 3.87% | &nbsp;&nbsp; 5.56% |
| Equity - US Large Cap <br> Growth<br>| MFS<sup>®</sup> Variable Insurance Trust II<br> **MFS**<sup>®</sup> **Massachusetts Investors Growth** <br> **Stock Portfolio**<br> **Initial Class**<br>| Massachusetts Financial <br> Services Company<br>0.72%<sup>1</sup> <br>| &nbsp;&nbsp; 9.90% | 10.02% | 14.27% |
| Allocation - Moderate | MFS<sup>®</sup> Variable Insurance Trust<br> **MFS**<sup>®</sup> **Total Return Series**<br> **Initial Class**<br>| Massachusetts Financial <br> Services Company<br>0.61%<sup>1</sup> <br>| 11.16% | &nbsp;&nbsp; 6.42% | &nbsp;&nbsp; 7.63% |
| US Money Market | MFS<sup>®</sup> Variable Insurance Trust II<br> **MFS**<sup>®</sup> **U.S. Government Money Market** <br> **Portfolio**<br> **Initial Class**<sup>2</sup> <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% |

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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.

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.

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**APPENDIX - 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 "APPENDIX A - THE FIXED ACCOUNT" in the Contract prospectus.

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| | | |
|:---|:---|:---|
| **Name** | **Term** | **Minimum Guaranteed Interest Rate** |
| Guarantee Period | One (1) Year | 4% |
| Dollar-Cost Averaging | 6 Months and 12 Months | 4% |

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The prospectus and statement of additional information (SAI) dated May 2, 2016, 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/866793300?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.: C000007205 and C000007206

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