# EDGAR Filing Document

**Accession Number:** 0001074760
**File Stem:** 0001193125-26-290735
**Filing Date:** 2026-6
**Character Count:** 42217
**Document Hash:** d96ffabeec6ef074823658c85cbf1503
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-290735.hdr.sgml**: 20260630

**ACCESSION NUMBER**: 0001193125-26-290735

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260630

**DATE AS OF CHANGE**: 20260630

**EFFECTIVENESS DATE**: 20260630

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** DELAWARE LIFE VARIABLE ACCOUNT I
- **CENTRAL INDEX KEY:** 0001074760

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

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-143354
- **FILM NUMBER:** 261141267

**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 I
- **DATE OF NAME CHANGE:** 19981204

## Series and Classes Contracts Data

### DELAWARE LIFE VARIABLE ACCOUNT I (Series ID: S000008065)

| Class ID   | Class Name   | Ticker Symbol   |
|:---|:---|:---|
| C000051352 | Prime VUL    |  |

**UPDATING SUMMARY PROSPECTUS** <br>**PRIME VARIABLE UNIVERSAL LIFE INSURANCE**

**Issued By**

**DELAWARE LIFE INSURANCE COMPANY**

June 30, 2026

The Prime Variable Universal Life Insurance policy is an individual flexible premium variable universal life insurance policy issued by Delaware Life Insurance Company (the "Company"). The Policy is being offered to individuals to provide life insurance protection (i.e., a death benefit) while providing for the allocation of assets to Variable Sub-Accounts and/or a Fixed Account.

This Updating Summary Prospectus summarizes key features of the Policy. This Updating Summary Prospectus also provides a summary of the Policy 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 Policy.

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

Audited financial statements for the Company for the year ended December 31, 2025 are now available to you online at https://dfinview.com/DelawareLife/TAHD/86680A608?site=Life. Copies are also available to you upon request, without charge, by calling (800) 477-6545 or by sending an email request to customer.relations@delawarelife.com. As a reminder, the Company's 2025 audited financial statements were delayed due to a review of the Company's affiliate and related-party transactions, which has been completed. The review identified errors relating to the identification and presentation of certain related-party investments and, to correct the errors, the Company has restated certain 2024 disclosures in the Notes to the 2025 audited financial statements. Other than the corrected Notes disclosures, there has been no restatement of the 2024 information set forth in the 2025 financial statements. Please see the Company's 2025 audited financial statements for additional information.

The financial guarantees we provide under your Policy are supported by the Company's general account and are subject to the Company's financial strength and claims-paying ability. The Company's financial statements are relevant to the Company's ability to meet its financial obligations under your Policy and should not be considered as having any bearing on the investment performance of the assets held in Delaware Life Variable Account I (the "Variable Account").

Audited financial statements for the Variable Account for the year ended December 31, 2025 are available to you online at https://dfinview.com/DelawareLife/TAHD/86680A608?site=Life. Additional copies may be obtained upon request, without charge, by calling (800) 477-6545 or by sending an email request to customer.relations@delawarelife.com.

**\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\***

The prospectus for the Policy contains more information about the Policy including its features, benefits, and risks. You can find the current prospectus and other information about the Policy at https://dfinview.com/DelawareLife/TAHD/86680A608?site=Life. You can also request this information at no cost at https://dfinreports.com/delawarelife, by calling (888) 594-2654 or by sending an email request to customer.relations@delawarelife.com.

If you have any questions about your Policy, please contact us at the Service Address:

Delaware Life Insurance Company <br>P.O. Box 758581 <br>Topeka, Kansas 66675-8581 <br>Phone (877) 253-2323 <br>Facsimile (877) 795-5661 <br>https://www.delawarelife.com/contact-us/contact-page <br>

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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 prospectus is accurate or complete. Any representation to the contrary is a criminal offense.**

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**Table of Contents** 

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| | |
|:---|:---|
| [GLOSSARY OF POLICY TERMS](#xx_988e0d88-13cf-499c-a63b-9106caae1e16_1) | 4 |
| [UPDATED INFORMATION ABOUT THE POLICY](#xx_1a9d3a54-de36-48be-9ced-71dd25e7d50d_1) | 6 |
| [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE POLICY](#xx_97e4a0f4-41cb-4fc3-8d51-e767bb4aa5b0_1) | 7 |
| [APPENDIX A - INVESTMENT OPTIONS AVAILABLE UNDER THE POLICY](#xx_31a3a2bb-64d9-4a26-bfab-2f3340fa05c1_1) | 12 |

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**GLOSSARY OF POLICY TERMS**

**Account Value:** The sum of the amounts in each Variable Sub-Account and the Fixed Account with respect to a Policy. Account Value does not include Policy Debt. Policy Debt, which includes the amount of loans and interest charged, is not deducted from Account Value. It is reflected in the amounts received upon surrender or payment of Policy Proceeds. It is also reflected in the amount of total Account Value that may be borrowed against.

**Class:** The risk and underwriting classification of the Insured.

**Fixed Account:** The portion of the Account Value funded by assets invested in our general account.

**Fund:** A mutual fund portfolio in which a Variable Sub-Account invests.

**Initial Premium:** The amount necessary to put the coverage in force. Generally, this is two Minimum Monthly Premiums. The Initial Premium is shown in the Policy.

**Insured:** The person on whose life a Policy is issued.

**Minimum Monthly Premium:** The Initial Premium is two Minimum Monthly Premiums. The Minimum Monthly Premium is determined by the Specified Face Amount, death benefit option election, optional rider election and risk and underwriting classification of the Insured.

**Monthly Cost of Insurance:** A deduction made on a monthly basis for the Specified Face Amount provided by the Policy and for the Waiver of Monthly Deductions rider, Payment of Stipulated Amount rider, Supplemental Insurance rider and Enhanced Cash Surrender Benefit rider.

**No-Lapse Guarantee Period:** The term when the Policy will not terminate if the premiums paid less partial withdrawals less Policy Debt exceed the sum of Minimum Monthly Premiums from the Policy Date to the Valuation Date. The No-Lapse Guarantee Period is based on the Insured's age. It may vary in length by state but may not exceed 20 years.

**Policy:** The form issued by Delaware Life Insurance Company and is a contract between the policyowner and the Company.

**Policy Debt:** The principal amount of any outstanding loan against the Policy, plus accrued but unpaid interest on such loan.

**Policy Proceeds:** The amount determined in accordance with the terms of the Policy which is payable at the death of the Insured. This amount is the death benefit, decreased by the amount of any outstanding Policy Debt and any unpaid charges and deductions, and increased by the amounts payable under any supplemental benefits.

**Policy Year:** A Policy Year is a one-year period commencing on the Policy Date or any Anniversary and ending on the next Anniversary.

**Premium Expense Charge:** A percentage charge deducted from each premium payment.

**Specified Face Amount:** The amount of life insurance coverage You request as specified in the Policy.

**Sub-Accounts:** Sub-accounts into which the assets of the Variable Account are divided. Also known as variable investment options.

**Target Premium:** An amount of premium specified as such in the Policy, used to determine the amount of commissions paid by the Company to the Selling Broker-Dealer.

**Variable Account:** Delaware Life Variable Account I.

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**Variable Sub-Accounts:** Sub-accounts into which the assets of the Variable Account are divided, each of which corresponds to an investment choice available to You.

**You:** The owner of the Policy.

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**UPDATED INFORMATION ABOUT THE POLICY**

The information in this Updating Summary Prospectus is a summary of the Policy 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 Policy.

***Changes Affecting the Funds***

Adviser

For the Acorn Fund, effective July 7, 2025, Columbia Management Investment Advisers, LLC replaced Wanger Asset Management LLC as adviser of the Fund.

Subadviser

For Templeton Growth VIP Fund, effective August 1, 2025, Templeton Asset Management Ltd. no longer served as sub-adviser of the Fund.

*Reorganization*

On April 24, 2026, M Fund Inc. reorganized into Northern Lights Fund Trust II and the following Funds became series of Northern Lights Fund Trust II: M Capital Appreciation Fund, M International Equity Fund, M Large Cap Growth Fund and M Large Cap Value Fund.

*Name Changes* 

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| | |
|:---|:---|
| ***<u>Current Fund Name</u>*** | ***<u>New Fund Name</u>*** |
| Columbia Variable Portfolio-Large Cap Growth Fund | Columbia Variable Portfolio-Cornerstone Growth Fund  |
| Wanger Acorn Fund | Columbia Variable Portfolio - Acorn Fund |

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Expenses and Performance Information

The expenses and performance information have been updated and are reflected in Appendix A- Funds Options Available under the Policy and "IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE POLICY", "FEES AND EXPENSES" in this updating summary prospectus.

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

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| | | | | |
|:---|:---|:---|:---|:---|
|  | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | &nbsp;&nbsp; **Location In The**<br> **Prospectus**<br>|
| **Charges for** <br> **Early**<br> **Withdrawals**<br>| &nbsp;&nbsp; If You surrender your Policy in the first 10 years or within the first 10 years <br> after an increase in the Specified Face Amount, we will apply a surrender <br> charge to the initial Specified Face Amount and to each increase in the <br> Specified Face Amount other than an increase resulting from a change in <br> the death benefit option. If You make an early withdrawal, the Maximum <br> Charge would be $4,013 based on an initial Specified Face Amount of <br> $100,000. | &nbsp;&nbsp; If You surrender your Policy in the first 10 years or within the first 10 years <br> after an increase in the Specified Face Amount, we will apply a surrender <br> charge to the initial Specified Face Amount and to each increase in the <br> Specified Face Amount other than an increase resulting from a change in <br> the death benefit option. If You make an early withdrawal, the Maximum <br> Charge would be $4,013 based on an initial Specified Face Amount of <br> $100,000. | &nbsp;&nbsp; If You surrender your Policy in the first 10 years or within the first 10 years <br> after an increase in the Specified Face Amount, we will apply a surrender <br> charge to the initial Specified Face Amount and to each increase in the <br> Specified Face Amount other than an increase resulting from a change in <br> the death benefit option. If You make an early withdrawal, the Maximum <br> Charge would be $4,013 based on an initial Specified Face Amount of <br> $100,000. | &nbsp;&nbsp; **FEE TABLE –**<br> **TRANSACTION** <br> **FEES**<br> **SURRENDERS** <br> **AND**<br> **SURRENDER**<br> **CHARGES**<br>|
| **Transaction** <br> **Charges**<br>| &nbsp;&nbsp; In addition to charges for early withdrawals, You may be charged for <br> transactions under the Policy. A front-end load may be charged on each <br> premium payment. The front-end load for premiums up to and including the <br> Target Premium differs from the front-end load for premiums in excess of <br> the Target Premium. You may be charged for requested Policy illustrations. <br> If You elect an accelerated benefit under the Accelerated Benefits Rider, the <br> payment may be subject to certain deductions. If the Loan Lapse Protection <br> Rider is elected, a front-end load may be charged on the Election Date. <br> Currently, we do not charge for transfers. However, we reserve the right to <br> charge $15 per transfer after the first 12 transfers per Policy Year. | &nbsp;&nbsp; In addition to charges for early withdrawals, You may be charged for <br> transactions under the Policy. A front-end load may be charged on each <br> premium payment. The front-end load for premiums up to and including the <br> Target Premium differs from the front-end load for premiums in excess of <br> the Target Premium. You may be charged for requested Policy illustrations. <br> If You elect an accelerated benefit under the Accelerated Benefits Rider, the <br> payment may be subject to certain deductions. If the Loan Lapse Protection <br> Rider is elected, a front-end load may be charged on the Election Date. <br> Currently, we do not charge for transfers. However, we reserve the right to <br> charge $15 per transfer after the first 12 transfers per Policy Year. | &nbsp;&nbsp; In addition to charges for early withdrawals, You may be charged for <br> transactions under the Policy. A front-end load may be charged on each <br> premium payment. The front-end load for premiums up to and including the <br> Target Premium differs from the front-end load for premiums in excess of <br> the Target Premium. You may be charged for requested Policy illustrations. <br> If You elect an accelerated benefit under the Accelerated Benefits Rider, the <br> payment may be subject to certain deductions. If the Loan Lapse Protection <br> Rider is elected, a front-end load may be charged on the Election Date. <br> Currently, we do not charge for transfers. However, we reserve the right to <br> charge $15 per transfer after the first 12 transfers per Policy Year. | &nbsp;&nbsp; **FEE TABLE –**<br> **TRANSACTION** <br> **FEES**<br> **CHARGES,**<br> **DEDUCTIONS** <br> **AND**<br> **REFUNDS**<br> **TRANSFER**<br> **PRIVILEGES**<br> **SUPPLEMENTAL**<br> **BENEFITS**<br>|
| **Ongoing Fees** <br> **and Expenses** | &nbsp;&nbsp; In addition to charges for early withdrawals and transaction charges, an <br> investment in the Policy is subject to certain ongoing fees and expenses, <br> including fees and expenses covering the cost of insurance under the Policy <br> and the cost of the optional benefit available under the Policy. Certain fees <br> and expenses are set based on characteristics of the insured (*e.g.*, age, sex, <br> and rating classification). You should view your Policy specifications page <br> for rates applicable to your Policy. You will also bear expenses associated <br> with the Funds under the Policy, as shown in the following table: | &nbsp;&nbsp; In addition to charges for early withdrawals and transaction charges, an <br> investment in the Policy is subject to certain ongoing fees and expenses, <br> including fees and expenses covering the cost of insurance under the Policy <br> and the cost of the optional benefit available under the Policy. Certain fees <br> and expenses are set based on characteristics of the insured (*e.g.*, age, sex, <br> and rating classification). You should view your Policy specifications page <br> for rates applicable to your Policy. You will also bear expenses associated <br> with the Funds under the Policy, as shown in the following table: | &nbsp;&nbsp; In addition to charges for early withdrawals and transaction charges, an <br> investment in the Policy is subject to certain ongoing fees and expenses, <br> including fees and expenses covering the cost of insurance under the Policy <br> and the cost of the optional benefit available under the Policy. Certain fees <br> and expenses are set based on characteristics of the insured (*e.g.*, age, sex, <br> and rating classification). You should view your Policy specifications page <br> for rates applicable to your Policy. You will also bear expenses associated <br> with the Funds under the Policy, as shown in the following table: | &nbsp;&nbsp; **FEE TABLE**<br> **CHARGES,**<br> **DEDUCTIONS** <br> **AND**<br> **REFUNDS**<br> **APPENDIX A -**<br> **INVESTMENT** <br> **OPTIONS** <br> **AVAILABLE**<br> **UNDER THE** <br> **POLICY**  |
| **Ongoing Fees** <br> **and Expenses** | **Annual Fee** | **Minimum** | **Maximum** | &nbsp;&nbsp; **FEE TABLE**<br> **CHARGES,**<br> **DEDUCTIONS** <br> **AND**<br> **REFUNDS**<br> **APPENDIX A -**<br> **INVESTMENT** <br> **OPTIONS** <br> **AVAILABLE**<br> **UNDER THE** <br> **POLICY**  |
| **Ongoing Fees** <br> **and Expenses** | &nbsp;&nbsp; Investment Options (Fund fees and <br> expenses)<sup>1</sup> <br>| 0.34%<sup>1</sup> <br>| 3.38%<sup>1</sup> <br>| &nbsp;&nbsp; **FEE TABLE**<br> **CHARGES,**<br> **DEDUCTIONS** <br> **AND**<br> **REFUNDS**<br> **APPENDIX A -**<br> **INVESTMENT** <br> **OPTIONS** <br> **AVAILABLE**<br> **UNDER THE** <br> **POLICY**  |
| **Ongoing Fees** <br> **and Expenses** | &nbsp;&nbsp;&nbsp;&nbsp; <sup>1</sup> <br>As a percentage of Fund net assets. | &nbsp;&nbsp;&nbsp;&nbsp; <sup>1</sup> <br>As a percentage of Fund net assets. | &nbsp;&nbsp;&nbsp;&nbsp; <sup>1</sup> <br>As a percentage of Fund net assets. | &nbsp;&nbsp; **FEE TABLE**<br> **CHARGES,**<br> **DEDUCTIONS** <br> **AND**<br> **REFUNDS**<br> **APPENDIX A -**<br> **INVESTMENT** <br> **OPTIONS** <br> **AVAILABLE**<br> **UNDER THE** <br> **POLICY**  |

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

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

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

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

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

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**APPENDIX A - INVESTMENT OPTIONS** <br>**AVAILABLE UNDER THE POLICY**

**Variable Options**

The following is a list of Funds available under the Policy. 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/86680A608?site=Life. You can also request this information at no cost at https://dfinreports.com/DelawareLife, by calling (877) 253-2323, 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 Policy 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** | **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**<sup>1</sup> <br>| AllianceBernstein, L.P. | 0.98%<sup>2</sup> <br>| 17.36% | &nbsp;&nbsp; 5.64% | &nbsp;&nbsp; 6.74% |
| Equity - Global Large <br> Cap<br>| AB Variable Products Series Fund, Inc.<br> **International Value Portfolio**<br> **Class B**<br>| AllianceBernstein, L.P. | 1.17% | 41.27% | 10.19% | &nbsp;&nbsp; 6.37% |
| 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>2</sup> <br>| 19.42% | &nbsp;&nbsp; 5.51% | &nbsp;&nbsp; 7.33% |
| Equity - US Small Cap | Columbia Funds Variable Insurance Trust<br> **Acorn Fund**<sup>1</sup> <br>| Columbia Management <br> Investment Advisers, LLC<br>| 0.91%<sup>2</sup> <br>| &nbsp;&nbsp; 4.47% | &nbsp;&nbsp; 1.02% | &nbsp;&nbsp; 8.66% |
| Equity - US Large Cap <br> Growth<br>| Columbia Funds Variable Series Trust II<br> **Columbia Variable Portfolio –** <br> **Cornerstone Growth Fund**<sup>3</sup> <br>**Class 2**<br>| Columbia Management <br> Investment Advisers, LLC<br>| 0.97% | 15.85% | 13.75% | 15.69% |
| Equity - US Small Cap | Deutsche DWS Investments VIT Funds<br> **DWS Small Cap Index VIP**<br> **Class B**<sup>4</sup> <br>| DWS Investment <br> Management Americas, Inc. /<br> Northern Trust Investments, <br> Inc.<br>| 0.66%<sup>2</sup> <br>| 12.37% | &nbsp;&nbsp; 5.54% | &nbsp;&nbsp; 9.03% |
| Allocation - Moderate | Variable Insurance Products Fund III<br> **Fidelity**<sup>®</sup> **Variable Insurance Products** <br> **Balanced Portfolio**<br> **Service Class 2**<br>| Fidelity Management & <br> Research Company, LLC /<br> FMR Investment <br> Management (UK) Limited, <br> Fidelity Management & <br> Research (Hong Kong) <br> Limited, Fidelity Management <br> & Research (Japan) Limited<br>| 0.66% | 14.96% | &nbsp;&nbsp; 9.24% | 10.84% |
| Equity - US Large Cap <br> Growth<br>| Variable Insurance Products Fund II<br> **Fidelity**<sup>®</sup> **Variable Insurance Products** <br> **Contrafund**<sup>®</sup> **Portfolio**<br> **Service Class 2**<br>| Fidelity Management & <br> Research Company, LLC /<br> FMR Investment <br> Management (UK) Limited, <br> Fidelity Management & <br> Research (Hong Kong) <br> Limited, Fidelity Management <br> & Research (Japan) Limited<br>| 0.79% | 21.24% | 15.08% | 15.49% |
| Allocation - Target <br> Date<br>| Variable Insurance Products Fund V<br> **Fidelity**<sup>®</sup> **Variable Insurance Products** <br> **Freedom 2015 Portfolio**<br> **Service Class 2**<sup>4</sup> <br>| Fidelity Management & <br> Research Company, LLC<br>| 0.66% | 11.66% | &nbsp;&nbsp; 3.73% | &nbsp;&nbsp; 6.33% |

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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 - Target <br> Date<br>| Variable Insurance Products Fund V<br> **Fidelity**<sup>®</sup> **Variable Insurance Products** <br> **Freedom 2020 Portfolio**<br> **Service Class 2**<sup>4</sup> <br>| Fidelity Management & <br> Research Company, LLC<br>| 0.69% | 12.99% | &nbsp;&nbsp; 4.57% | &nbsp;&nbsp; 7.11% |
| Allocation - Target <br> Date<br>| Variable Insurance Products Fund V<br> **Fidelity**<sup>®</sup> **Variable Insurance Products** <br> **Freedom 2030 Portfolio**<br> **Service Class 2**<sup>4</sup> <br>| Fidelity Management & <br> Research Company, LLC<br>| 0.74% | 15.16% | &nbsp;&nbsp; 5.98% | &nbsp;&nbsp; 8.61% |
| Equity - US Large Cap <br> Blend<br>| Variable Insurance Products Fund II<br> **Fidelity**<sup>®</sup> **Variable Insurance Products** <br> **Index 500 Portfolio**<br> **Service Class 2**<br>| Fidelity Management & <br> Research Company, LLC /<br> Geode Capital Management, <br> LLC<br>| 0.34% | 17.48% | 14.03% | 14.42% |
| Equity - US Mid Cap | Variable Insurance Products Fund III<br> **Fidelity**<sup>®</sup> **Variable Insurance Products** <br> **Mid Cap Portfolio**<br> **Service Class 2**<br>| Fidelity Management & <br> Research Company, LLC /<br> FMR Investment <br> Management (UK) Limited, <br> Fidelity Management & <br> Research (Hong Kong) <br> Limited, Fidelity Management <br> & Research (Japan) Limited<br>| 0.80% | 11.49% | &nbsp;&nbsp; 9.83% | 10.31% |
| Equity - International <br> All Cap<br>| First Eagle Variable Funds<br> **First Eagle Overseas Variable Fund**<br>| First Eagle Investment <br> Management, LLC<br>| 1.21%<sup>2</sup> <br>| 37.47% | &nbsp;&nbsp; 9.02% | &nbsp;&nbsp; 7.61% |
| Allocation - Moderate | Franklin Templeton Variable Insurance <br> Products Trust<br> **Franklin Allocation VIP Fund**<br> **Class 2**<sup>4</sup> <br>| Franklin Advisers, Inc. /<br> Templeton Global Advisors <br> Limited, Franklin Templeton <br> Institutional, LLC, <br> Brandywine Global <br> Investment Management, <br> LLC, ClearBridge <br> Investments, LLC, Western <br> Asset Management Company, <br> LLC, Western Asset <br> Management Company <br> Limited<br>| 0.82%<sup>2</sup> <br>| 12.60% | &nbsp;&nbsp; 5.73% | &nbsp;&nbsp; 7.32% |
| Allocation - Cautious | Franklin Templeton Variable Insurance <br> Products Trust<br> **Franklin Income VIP Fund**<br> **Class 2**<br>| Franklin Advisers, Inc. | 0.72% | 12.56% | &nbsp;&nbsp; 7.66% | &nbsp;&nbsp; 7.30% |
| Allocation - Large Cap <br> Equity<br>| Franklin Templeton Variable Insurance <br> Products Trust<br> **Franklin Mutual Shares VIP Fund**<br> **Class 2**<br>| Franklin Mutual Advisers, <br> LLC<br>| 0.94% | 11.52% | &nbsp;&nbsp; 9.20% | &nbsp;&nbsp; 7.53% |
| Equity - US Small Cap | Franklin Templeton Variable Insurance <br> Products Trust<br> **Franklin Small Cap Value VIP Fund**<br> **Class 2**<br>| Franklin Mutual Advisers, <br> LLC<br>| 0.91%<sup>2</sup> <br>| &nbsp;&nbsp; 7.65% | &nbsp;&nbsp; 8.86% | &nbsp;&nbsp; 9.81% |
| Fixed Income - US | Franklin Templeton Variable Insurance <br> Products Trust<br> **Franklin Strategic Income VIP Fund**<br> **Class 2**<br>| Franklin Advisers, Inc. | 1.07%<sup>2</sup> <br>| &nbsp;&nbsp; 7.24% | &nbsp;&nbsp; 1.92% | &nbsp;&nbsp; 3.10% |
| Fixed Income - US | Franklin Templeton Variable Insurance <br> Products Trust<br> **Franklin U.S. Government Securities VIP** <br> **Fund**<br> **Class 2**<sup>1</sup> <br>| Franklin Advisers, Inc. | 0.79% | &nbsp;&nbsp; 6.69% | &nbsp;&nbsp; 0.02% | &nbsp;&nbsp; 1.14% |
| Equity - US Mid Cap | AIM Variable Insurance Funds (Invesco <br> Variable Insurance Funds)<br> **Invesco V.I. American Value Fund**<br> **Series II**<br>| Invesco Advisers, Inc. | 1.14% | 20.76% | 17.56% | 12.01% |

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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> Value<br>| AIM Variable Insurance Funds (Invesco <br> Variable Insurance Funds)<br> **Invesco V.I. Comstock Fund**<br> **Series II**<br>| Invesco Advisers, Inc. | 1.00% | 17.14% | 15.14% | 11.67% |
| Equity - US Large Cap <br> Blend<br>| AIM Variable Insurance Funds (Invesco <br> Variable Insurance Funds)<br> **Invesco V.I. Core Equity Fund**<br> **Series I**<br>| Invesco Advisers, Inc. | 0.80% | 16.17% | 12.81% | 11.73% |
| Equity - US Large Cap <br> Growth<br>| AIM Variable Insurance Funds (Invesco <br> Variable Insurance Funds)<br> **Invesco V.I. Discovery Large Cap Fund**<br> **Series II**<br>| Invesco Advisers, Inc. | 1.05%<sup>2</sup> <br>| 12.53% | 11.41% | 13.94% |
| 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% |
| Equity - Global Large <br> Cap<br>| AIM Variable Insurance Funds (Invesco <br> Variable Insurance Funds)<br> **Invesco V.I. EQV International Equity** <br> **Fund**<br> **Series I**<br>| Invesco Advisers, Inc. | 0.90% | 16.50% | &nbsp;&nbsp; 3.68% | &nbsp;&nbsp; 6.22% |
| Equity - Global Large <br> Cap<br>| AIM Variable Insurance Funds (Invesco <br> Variable Insurance Funds)<br> **Invesco V.I. Global Fund**<br> **Series II**<br>| Invesco Advisers, Inc. | 1.06% | 15.02% | &nbsp;&nbsp; 7.01% | 10.72% |
| Equity - US Large Cap <br> Blend<br>| AIM Variable Insurance Funds (Invesco <br> Variable Insurance Funds)<br> **Invesco V.I. Main Street Fund**<sup>®</sup> <br>**Series II**<sup>1</sup> <br>| Invesco Advisers, Inc. | 1.05%<sup>2</sup> <br>| 15.64% | 12.19% | 12.25% |
| 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> **Initial Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.58%<sup>2</sup> <br>| &nbsp;&nbsp; 5.76% | &nbsp;&nbsp; 6.92% | &nbsp;&nbsp; 9.10% |
| Allocation - Cautious | MFS<sup>®</sup> Variable Insurance Trust III<br> **MFS**<sup>®</sup> **Conservative Allocation Portfolio**<br> **Initial Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.70% | 10.00% | &nbsp;&nbsp; 3.09% | &nbsp;&nbsp; 5.70% |
| Fixed Income - US | MFS<sup>®</sup> Variable Insurance Trust II<br> **MFS**<sup>®</sup> **Corporate Bond Portfolio**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.88%<sup>2</sup> <br>| &nbsp;&nbsp; 7.30% | -0.32% | &nbsp;&nbsp; 3.06% |
| Equity - Global <br> Emerging Markets<br>| MFS<sup>®</sup> Variable Insurance Trust II<br> **MFS**<sup>®</sup> **Emerging Markets Equity** <br> **Portfolio**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 1.48%<sup>2</sup> <br>| 33.35% | &nbsp;&nbsp; 4.11% | &nbsp;&nbsp; 7.65% |
| Equity - Real Estate <br> Sector<br>| MFS<sup>®</sup> Variable Insurance Trust III<br> **MFS**<sup>®</sup> **Global Real Estate Portfolio**<br> **Initial Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.90%<sup>2</sup> <br>| &nbsp;&nbsp; 3.53% | &nbsp;&nbsp; 1.32% | &nbsp;&nbsp; 5.01% |
| Allocation - Cautious | MFS<sup>®</sup> Variable Insurance Trust II<br> **MFS**<sup>®</sup> **Global Tactical Allocation Portfolio**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 1.03%<sup>2</sup> <br>| 15.21% | &nbsp;&nbsp; 4.60% | &nbsp;&nbsp; 5.40% |
| Fixed Income - US | MFS<sup>®</sup> Variable Insurance Trust II<br> **MFS**<sup>®</sup> **Government Securities Portfolio**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.81%<sup>2</sup> <br>| &nbsp;&nbsp; 6.63% | -0.94% | &nbsp;&nbsp; 1.03% |
| Allocation - Aggressive | MFS<sup>®</sup> Variable Insurance Trust III<br> **MFS**<sup>®</sup> **Growth Allocation Portfolio**<br> **Initial Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.80% | 12.18% | &nbsp;&nbsp; 6.19% | &nbsp;&nbsp; 9.22% |
| Equity - US Large Cap <br> Growth<br>| MFS<sup>®</sup> Variable Insurance Trust<br> **MFS**<sup>®</sup> **Growth Series**<br> **Initial Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.73%<sup>2</sup> <br>| 12.19% | 11.10% | 15.60% |

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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 II<br> **MFS**<sup>®</sup> **High Yield Portfolio**<br> **Initial Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.72%<sup>2</sup> <br>| &nbsp;&nbsp; 8.65% | &nbsp;&nbsp; 3.87% | &nbsp;&nbsp; 5.56% |
| Fixed Income - US | MFS<sup>®</sup> Variable Insurance Trust III<br> **MFS**<sup>®</sup> **Inflation-Adjusted Bond Portfolio**<br> **Initial Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.60%<sup>2</sup> <br>| &nbsp;&nbsp; 8.63% | -3.09% | &nbsp;&nbsp; 1.10% |
| Equity - Global Large <br> Cap<br>| MFS<sup>®</sup> Variable Insurance Trust II<br> **MFS**<sup>®</sup> **International Growth Portfolio**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 1.13%<sup>2</sup> <br>| 20.81% | &nbsp;&nbsp; 6.80% | &nbsp;&nbsp; 9.60% |
| Fixed Income - US | MFS<sup>®</sup> Variable Insurance Trust III<br> **MFS**<sup>®</sup> **Limited Maturity Portfolio**<br> **Initial Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.48%<sup>2</sup> <br>| &nbsp;&nbsp; 5.83% | &nbsp;&nbsp; 2.56% | &nbsp;&nbsp; 2.70% |
| Equity - US Mid Cap | MFS<sup>®</sup> Variable Insurance Trust<br> **MFS**<sup>®</sup> **Mid Cap Growth Series**<br> **Initial Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.81%<sup>2</sup> <br>| &nbsp;&nbsp; 3.66% | &nbsp;&nbsp; 3.26% | 11.60% |
| Equity - US Mid Cap | MFS<sup>®</sup> Variable Insurance Trust III<br> **MFS**<sup>®</sup> **Mid Cap Value Portfolio**<br> **Initial Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.79%<sup>2</sup> <br>| &nbsp;&nbsp; 5.98% | 10.18% | &nbsp;&nbsp; 9.95% |
| Allocation - Moderate | MFS<sup>®</sup> Variable Insurance Trust III<br> **MFS**<sup>®</sup> **Moderate Allocation Portfolio**<br> **Initial Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.72% | 11.29% | &nbsp;&nbsp; 4.82% | &nbsp;&nbsp; 7.62% |
| Equity - US Small Cap | MFS<sup>®</sup> Variable Insurance Trust<br> **MFS**<sup>®</sup> **New Discovery Series**<br> **Initial Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.87%<sup>2</sup> <br>| 12.96% | -0.28% | 10.74% |
| Equity - US Small Cap | MFS<sup>®</sup> Variable Insurance Trust III<br> **MFS**<sup>®</sup> **New Discovery Value Portfolio**<br> **Initial Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.88%<sup>2</sup> <br>| &nbsp;&nbsp; 3.08% | &nbsp;&nbsp; 8.48% | 10.58% |
| Equity - Global Large <br> Cap<br>| MFS<sup>®</sup> Variable Insurance Trust II<br> **MFS**<sup>®</sup> **Research International Portfolio**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 1.15%<sup>2</sup> <br>| 21.75% | &nbsp;&nbsp; 5.25% | &nbsp;&nbsp; 7.27% |
| Equity - US Large Cap <br> Blend<br>| MFS<sup>®</sup> Variable Insurance Trust<br> **MFS**<sup>®</sup> **Research Series**<br> **Initial Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.74%<sup>2</sup> <br>| 12.85% | 11.15% | 12.93% |
| Fixed Income - US | MFS<sup>®</sup> Variable Insurance Trust<br> **MFS**<sup>®</sup> **Total Return Bond Series**<br> **Initial Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.53%<sup>2</sup> <br>| &nbsp;&nbsp; 7.17% | &nbsp;&nbsp; 0.15% | &nbsp;&nbsp; 2.63% |
| 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>2</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**<br> **Initial Class**<sup>5</sup> <br>| Massachusetts Financial <br> Services Company<br>| 0.45%<sup>2</sup> <br>| &nbsp;&nbsp; 3.85% | &nbsp;&nbsp; 2.87% | &nbsp;&nbsp; 1.77% |
| Equity - Utilities <br> Sector<br>| MFS<sup>®</sup> Variable Insurance Trust<br> **MFS**<sup>®</sup> **Utilities Series**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 1.03%<sup>2</sup> <br>| 14.76% | &nbsp;&nbsp; 7.38% | &nbsp;&nbsp; 9.22% |
| Equity - US Large Cap <br> Value<br>| MFS<sup>®</sup> Variable Insurance Trust<br> **MFS**<sup>®</sup> **Value Series**<br> **Initial Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.69%<sup>2</sup> <br>| 13.01% | &nbsp;&nbsp; 9.95% | 10.05% |
| 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>2</sup> <br>| 12.77% | &nbsp;&nbsp; 9.69% | &nbsp;&nbsp; 9.77% |
| Equity - US Mid Cap | Morgan Stanley Variable Insurance Fund, <br> Inc.<br> **Discovery Portfolio**<br> **Class II**<br>| Morgan Stanley Investment <br> Management, Inc.<br>| 1.05%<sup>2</sup> <br>| 12.44% | -5.46% | 14.04% |

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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 Small Cap | Northern Lights Fund Trust II<br> **M Capital Appreciation Fund**<sup>6</sup> <br>| M Financial Investment <br> Advisers, Inc. / Frontier <br> Capital Management <br> Company, LLC<br>| 0.95% | 18.06% | &nbsp;&nbsp; 9.10% | 11.24% |
| Equity - Global Large <br> Cap<br>| Northern Lights Fund Trust II<br> **M International Equity Fund**<sup>6</sup> <br>| M Financial Investment <br> Advisers, Inc. / Dimensional <br> Fund Advisors LP<br>| 0.62% | 32.44% | &nbsp;&nbsp; 8.77% | &nbsp;&nbsp; 6.99% |
| Equity - US Large Cap <br> Growth<br>| Northern Lights Fund Trust II<br> **M Large Cap Growth Fund**<sup>6</sup> <br>| M Financial Investment <br> Advisers, Inc. / Federated <br> Hermes, Inc.<br>| 0.53% | 19.61% | 12.43% | 15.06% |
| Equity - US Large Cap <br> Value<br>| Northern Lights Fund Trust II<br> **M Large Cap Value Fund**<sup>6</sup> <br>| M Financial Investment <br> Advisers, Inc. / Brandywine <br> Global Investment <br> Management, LLC<br>| 0.60% | 17.31% | 13.92% | &nbsp;&nbsp; 9.61% |
| Commodities Broad <br> Basket<br>| PIMCO Variable Insurance Trust<br> **PIMCO CommodityRealReturn**<sup>®</sup> <br> **Strategy Portfolio**<br> **Administrative Class**<br>| Pacific Investment <br> Management Company LLC<br>| 3.19%<sup>2</sup> <br>| 18.79% | 10.55% | &nbsp;&nbsp; 6.54% |
| Fixed Income - <br> Emerging Markets<br>| PIMCO Variable Insurance Trust<br> **PIMCO Emerging Markets Bond** <br> **Portfolio**<br> **Administrative Class**<br>| Pacific Investment <br> Management Company LLC<br>| 1.17% | 14.98% | &nbsp;&nbsp; 2.44% | &nbsp;&nbsp; 5.06% |
| Allocation - Moderate | PIMCO Variable Insurance Trust<br> **PIMCO Global Managed Asset Allocation** <br> **Portfolio**<br> **Administrative Class**<br>| Pacific Investment <br> Management Company LLC<br>| 1.21%<sup>2</sup> <br>| 21.90% | &nbsp;&nbsp; 7.02% | &nbsp;&nbsp; 7.98% |
| Fixed Income - US | PIMCO Variable Insurance Trust<br> **PIMCO Real Return Portfolio**<br> **Administrative Class**<sup>1</sup> <br>| Pacific Investment <br> Management Company LLC<br>| 1.39% | &nbsp;&nbsp; 7.85% | &nbsp;&nbsp; 1.21% | &nbsp;&nbsp; 3.21% |
| Fixed Income - US | PIMCO Variable Insurance Trust<br> **PIMCO Total Return Portfolio**<br> **Administrative Class**<sup>1</sup> <br>| Pacific Investment <br> Management Company LLC<br>| 0.73% | &nbsp;&nbsp; 8.89% | &nbsp;&nbsp; 0.02% | &nbsp;&nbsp; 2.36% |
| Equity - Global Large <br> Cap<br>| Franklin Templeton Variable Insurance <br> Products Trust<br> **Templeton Growth VIP Fund**<br> **Class 2**<br>| Templeton Global Advisors <br> Limited / Templeton Asset <br> Management Ltd.<br>| 1.12%<sup>2</sup> <br>| 23.83% | &nbsp;&nbsp; 7.95% | &nbsp;&nbsp; 7.04% |

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Only available for investment under Policies with Investment Start Dates prior to October 6, 2008.

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 Columbia Variable Portfolio - Large Cap Growth Fund.

Not available for investment of new premium or transfers on and after November 15, 2010.

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 April 24, 2026, this fund was a series of M Fund, Inc.

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The prospectus and statement of additional information ("SAI") dated include June 30, 2026, additional information. The prospectus and SAI are incorporated by reference into this Updating Summary Prospectus. The prospectus and SAI are available, without charge, upon request. For a free copy of the Prospectus and SAI, or to request other information about the Policy or make other inquiries, call us at 1-888-594-2654.

You may also request a free copy of the prospectus and SAI at https://dfinreports.com/delawarelife and the prospectus and SAI are also available on our website at https://dfinview.com/DelawareLife/TAHD/86680A608?site=Life.

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.: C000051352

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