# EDGAR Filing Document

**Accession Number:** 0000853285
**File Stem:** 0001193125-26-199044
**Filing Date:** 2026-5
**Character Count:** 56348
**Document Hash:** ec1a6113ab02fa1be9e55559745f3412
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-199044.hdr.sgml**: 20260501

**ACCESSION NUMBER**: 0001193125-26-199044

**CONFORMED SUBMISSION TYPE**: 497VPU

**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:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-238865
- **FILM NUMBER:** 26928797

**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 ID   | Class Name                                       | Ticker Symbol   |
|:---|:---|:---|
| C000221210 | Delaware Life Accelerator Prime Variable Annuity |  |

**SUPPLEMENT DATED MAY 1, 2026**

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

**ISSUED BY**

**DELAWARE LIFE INSURANCE COMPANY**

**DELAWARE LIFE VARIABLE ACCOUNT F** 

The Delaware Life Accelerator Prime® 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 (800) 374-3714. 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/246115208. 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/246115208. 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_05626a79-f29c-47f3-b3a1-3dc4399d1b07_1) | 4 |
| [UPDATED INFORMATION ABOUT THE CONTRACT](#xx_d237ee04-62fa-4d4a-8990-55747e98baec_1) | 6 |
| [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#xx_b68d38c6-1697-43ac-a3f8-5cd042b4c42f_1) | 7 |
| [APPENDIX A - FUNDS AVAILABLE UNDER THE CONTRACT](#xx_7ffc6d0b-09c4-4002-a14b-a8e884d0240a_1) | 11 |
| [APPENDIX A - FIXED OPTIONS AVAILABLE UNDER THE CONTRACT](#xx_a165e281-ac32-44ef-a821-a8f728b42dd7_1) | 18 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [APPENDIX B: LIST OF DESIGNATED INVESTMENT OPTIONS AND OTHER INVESTMENT](#xx_8398d0f0-e107-4f9e-ae0a-3796e1888c04_1)<br> [RESTRICTIONS](#xx_8398d0f0-e107-4f9e-ae0a-3796e1888c04_1)<br>| 19 |

---

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**SPECIAL TERMS**

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

**ACCUMULATION PHASE:** the period before the Income Phase while the Contract is in force.

**BUSINESS DAY:** Any day the New York Stock Exchange (NYSE) is open for trading and that is a day on which we process financial transactions and requests.

**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 the Variable Accumulation Value and the Fixed Accumulation Value.

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

**DESIGNATED INVESTMENT OPTIONS:** a subset of the Subaccounts to which you are allowed to allocate Purchase Payments and Contract Value if you elect an optional benefit except for the Income Boost<sup>sm</sup> GLWB.

**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.

**FIXED ACCUMULATION VALUE:** for a Valuation Period, the sum of amounts in any Guarantee Period and in the Fixed Account for the Dollar Cost Averaging program, including interest earned thereon.

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

**GLWB:** Four optional living benefit riders, Delaware Life Income Boost SM ("Income Boost GLWB"), Delaware Life Income Control SM ("Income Control GLWB"), Flex Income Boost GLWB and Flex Income Control GLWB. GLWB generally is an abbreviation for "guaranteed living withdrawal benefit."

**GLWB COVERED PERSON (JOINT GLWB COVERED PERSON):** Under a GLWB, the natural person whose age is used to determine the Lifetime Withdrawal Percentage for purposes of calculating the AWA on the Income Start Date and on any subsequent Step-Up Date. If joint-life coverage is elected, the GLWB Covered Person is the younger spouse as recognized under federal tax laws and the older spouse is the Joint GLWB Covered Person.

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

**GUARANTEE PERIOD:** a Fixed Account investment option for which a guaranteed interest rate is credited for a specified period.

**HAV VALUE:** under the Highest Anniversary Value Death Benefit, the amount used to calculate the death benefit and its additional fee.

**INCOME PHASE:** the period during which annuity payments are made.

**INCOME START DATE:** Under the GLWB, the date we receive your election to activate your right to withdraw the AWA.

**ISSUE DATE:** the date we apply your initial Purchase Payment and issue your Contract.

------

**LIFETIME WITHDRAWAL PERCENTAGE:** A percentage, based on the GLWB Covered Person's age on the Income Start Date and on any subsequent Step-Up Date, that is applied to the Withdrawal Benefit Base to determine the AWA. The current Lifetime Withdrawal Percentages will not change throughout the life of the Contract from the Lifetime Withdrawal Percentages disclosed in the Rate Sheet Supplement. *The Lifetime Withdrawal Percentage is also known as the Lifetime Withdrawal Benefit.*

**MARKET VALUE ADJUSTMENT:** Amounts withdrawn, transferred or surrendered from a multi-year Guarantee Period may be subject to an adjustment known as a Market Value Adjustment (MVA). The MVA may result in upward or downward adjustments to these amounts, subject to a floor for downward adjustments. Currently, we do not offer any multi-year Guarantee Periods. Single-year Guarantee Periods are not subject to MVAs.

**PURCHASE PAYMENT:** an amount paid to the Company as consideration for the Contract.

**ROP VALUE:** under the Return of Premium Death Benefit, the amount used to calculate the death benefit and its additional fee.

**SERVICE ADDRESS:** by mail, Delaware Life Insurance Company, P.O. Box 80428, Indianapolis, IN 46280; by express mail, Delaware Life Insurance Company, 10555 Group 1000 Way, Zionsville, IN 46077; and by facsimile at (800) 883-9165; or such other address specified by written notice from us, to which all correspondence concerning your Contract should be sent.

**STEP-UP:** Under the GLWB, an increase that the Company applies to the Withdrawal Benefit Base.

**STEP-UP DATE:** Under the GLWB, the date when the Withdrawal Benefit Base is increased by a Step-Up.

**SUBACCOUNT:** one of the divisions of the Variable Account to which you may allocate Purchase Payments and Contract Value.

**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 VALUE:** the sum of the values of the Variable Accumulation Units in the Subaccounts. A Variable Accumulation Unit is a unit of measure, for each Subaccount, used to calculate the Contract Value allocated to each Subaccount of the Variable Account during the Accumulation Phase.

**WITHDRAWAL BENEFIT BASE:** under a Guaranteed Lifetime Withdrawal Benefit, the amount used to calculate the benefit and its additional fee.

**WITHDRAWAL CHARGE:** the charge applied in the event that you make a partial withdrawal from, or full surrender of, your Contract during the period when the Withdrawal Charge applies.

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**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 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 Optional Benefit Riders and Fees**

*Bonus Rates for GLWBs*

For applications signed and received in Good Order beginning on July 1, 2025, the Bonus Rate is 7.50% for the Income Boost GLWB and Flex Income Boost GLWB and 8.00% for Income Control GLWB and Flex Income Control GLWB.

***Changes Affecting the Funds***

*Adviser* 

On or about May 1, 2026, as a result of a reorganization, Lincoln Financial Investments Corporation is the adviser to the following funds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. LVIP ClearBridge Appreciation Fund, formerly ClearBridge Variable Appreciation Portfolio, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. LVIP Clearbridge Dividend Strategy Fund, formerly ClearBridge Variable Dividend Strategy Portfolio

*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™ |
| Putnam VT Research Fund | Putnam VT U.S. Research Fund |
| Templeton Developing Markets VIP Fund | Templeton Emerging Markets VIP Fund |
| TOPS<sup>®</sup> Moderate Growth ETF Portfolio | TOPS<sup>®</sup> Moderate ETF Portfolio |
| TOPS<sup>®</sup> Growth ETF Portfolio | TOPS<sup>®</sup> Moderately Aggressive ETF Portfolio |
| TOPS<sup>®</sup> Aggressive Growth ETF Portfolio | TOPS<sup>®</sup> Aggressive ETF Portfolio. |

---

*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.

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

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| | | |
|:---|:---|:---|
|  | **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> **Transfer Privilege**<br> **Contract Charges**<br>|
| **Are There** <br> **Ongoing Fees** <br> **and Expenses?** | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that you may pay *each* <br> *year*, depending on the investment options and optional benefits you <br> choose. Please refer to your Contract specifications page for information <br> about the specific fees you will pay each year based on the investment <br> options and optional benefits you have elected. | &nbsp;&nbsp; **Fee Table -** <br> **Annual Contract** <br> **Expenses**<br> **Contract Charges**<br> **Benefits Available** <br> **Under the** <br> **Contract**<br> **Appendix A:** <br> **Funds Available** <br> **Under the** <br> **Contract (Located** <br> **In This** <br> **Supplement)** |
| **Are There** <br> **Ongoing Fees** <br> **and Expenses?** | **Annual Fee** | &nbsp;&nbsp; **Fee Table -** <br> **Annual Contract** <br> **Expenses**<br> **Contract Charges**<br> **Benefits Available** <br> **Under the** <br> **Contract**<br> **Appendix A:** <br> **Funds Available** <br> **Under the** <br> **Contract (Located** <br> **In This** <br> **Supplement)** |
| **Are There** <br> **Ongoing Fees** <br> **and Expenses?** | Base contract:<br>1.20%<sup>1</sup> <br>| &nbsp;&nbsp; **Fee Table -** <br> **Annual Contract** <br> **Expenses**<br> **Contract Charges**<br> **Benefits Available** <br> **Under the** <br> **Contract**<br> **Appendix A:** <br> **Funds Available** <br> **Under the** <br> **Contract (Located** <br> **In This** <br> **Supplement)** |
| **Are There** <br> **Ongoing Fees** <br> **and Expenses?** | &nbsp;&nbsp; Investment options<br> (Fund fees and expenses)<br>0.59%<sup>2</sup> <br>3.48%<sup>2</sup> <br>| &nbsp;&nbsp; **Fee Table -** <br> **Annual Contract** <br> **Expenses**<br> **Contract Charges**<br> **Benefits Available** <br> **Under the** <br> **Contract**<br> **Appendix A:** <br> **Funds Available** <br> **Under the** <br> **Contract (Located** <br> **In This** <br> **Supplement)** |
| **Are There** <br> **Ongoing Fees** <br> **and Expenses?** | &nbsp;&nbsp; Optional benefits available for an <br> additional charge (for a single <br> optional benefit, if elected)<br>0.20%<sup>3</sup> <br>6.00%<sup>4</sup> <br>| &nbsp;&nbsp; **Fee Table -** <br> **Annual Contract** <br> **Expenses**<br> **Contract Charges**<br> **Benefits Available** <br> **Under the** <br> **Contract**<br> **Appendix A:** <br> **Funds Available** <br> **Under the** <br> **Contract (Located** <br> **In This** <br> **Supplement)** |
| **Are There** <br> **Ongoing Fees** <br> **and Expenses?** | &nbsp;&nbsp; <br><sup>1.</sup> As a percentage of average Variable Accumulation Value, plus an amount attributable to <br> the Annual Contract Fee.<br> <sup>2.</sup> As a percentage of Fund net assets.<br> <sup>3.</sup> As a percentage of ROP Value for the Return of Premium death benefit rider.<br> <sup>4.</sup> As a percentage of Withdrawal Benefit Base plus a percentage of the GMPB Base for <br> the GLWB/GMPB Combo rider, which rider is no longer available for sale, combined with <br> a percentage of ROP Value or HAV Value, if one of the optional death benefit riders is also <br> selected.This represents the maximum fee for the riders.<br> Because your Contract is customizable, the choices you make affect how <br> much you will pay. To help you understand the cost of owning your <br> Contract, the following table shows the lowest and highest cost you <br> could pay *each* year, based on current charges. This estimate assumes <br> that you do not take withdrawals from the Contract, **which could add** <br> **Withdrawal Charges that substantially increase costs.** | &nbsp;&nbsp; **Fee Table -** <br> **Annual Contract** <br> **Expenses**<br> **Contract Charges**<br> **Benefits Available** <br> **Under the** <br> **Contract**<br> **Appendix A:** <br> **Funds Available** <br> **Under the** <br> **Contract (Located** <br> **In This** <br> **Supplement)** |

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

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

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

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

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| | | |
|:---|:---|:---|
|  | **CONFLICTS OF INTEREST** | &nbsp;&nbsp; **Location In The**<br> **Prospectus**<br>|
| **How is my** <br> **Investment** <br> **Professional** <br> **Compensated?**<br>| &nbsp;&nbsp; Your investment professional may receive compensation for selling the <br> Contract to you, including commissions, other cash compensation, and <br> non-cash compensation. We may share the revenue we earn on this Contract <br> with your investment professional's firm. As a result of these compensation <br> arrangements, your investment professional may have a financial incentive <br> to offer or recommend this Contract to you over another investment for <br> which the investment professional is not compensated or compensated less. | &nbsp;&nbsp; **Distribution of** <br> **the Contract** |
| **Should I** <br> **Exchange my** <br> **Contract?**<br>| &nbsp;&nbsp; Some investment professionals may have a financial incentive to offer you a <br> new contract in place of the one you already own. You should only exchange <br> a contract you already own if you determine, after comparing the features, <br> fees, and risks of both contracts, and any fees or penalties to terminate the <br> existing contract, that it is better for you to purchase the new contract rather <br> than continue to own your existing contract. | &nbsp;&nbsp; **Distribution of** <br> **the Contract** |

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**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/246115208. 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 agentsupport@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.

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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**<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% |
| Equity - US Large Cap <br> Value<br>| AB Variable Products Series Fund, Inc.<br> **Relative Value Portfolio**<br> **Class B**<br>| AllianceBernstein, L.P. | 0.85%<sup>1</sup> <br>| 10.20% | 11.15% | 10.30% |
| Equity - US Small Cap | AB Variable Products Series Fund, Inc.<br> **Small Cap Growth Portfolio**<br> **Class B**<br>| AllianceBernstein, L.P. | 1.15%<sup>1</sup> <br>| &nbsp;&nbsp; 4.45% | -0.69% | 10.99% |
| 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% |
| Equity - US Large Cap <br> Growth<br>| BlackRock Variable Series Funds, Inc.<br> **BlackRock Capital Appreciation V.I. Fund**<br> **Class III**<br>| BlackRock Advisors, LLC | 1.04%<sup>1</sup> <br>| 11.77% | 10.50% | 15.32% |

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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>| BlackRock Variable Series Funds, Inc.<br> **BlackRock Equity Dividend V.I. Fund**<br> **Class III**<br>| BlackRock Advisors, LLC | 0.93%<sup>1</sup> <br>| 21.32% | 11.45% | 11.01% |
| 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 Large Cap <br> Growth<br>| BlackRock Variable Series Funds, Inc.<br> **BlackRock Large Cap Focus Growth V.I.** <br> **Fund**<br> **Class III**<br>| BlackRock Advisors, LLC | 1.02%<sup>1</sup> <br>| 11.48% | 10.19% | 15.98% |
| Fixed Income - US | BlackRock Variable Series Funds II, Inc.<br> **BlackRock Total Return V.I. Fund**<br> **Class III**<br>| BlackRock Advisors, LLC /<br> BlackRock International <br> Limited, BlackRock <br> (Singapore) Limited<br>| 0.74%<sup>1</sup> <br>| &nbsp;&nbsp; 7.60% | -0.67% | &nbsp;&nbsp; 1.86% |
| Allocation - Moderate | BlackRock Variable Series Funds, Inc.<br> **BlackRock 60/40 Target Allocation ETF** <br> **V.I. Fund**<br> **Class III**<br>| BlackRock Advisors, LLC | 0.58%<sup>1</sup> <br>| 15.37% | &nbsp;&nbsp; 7.05% | &nbsp;&nbsp; 8.45% |
| 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> Blend<br>| Lincoln Variable Insurance Products Trust<br> **LVIP ClearBridge Appreciation Fund**<sup>3,4</sup> <br>**Service Class**<br>| Lincoln Financial Investments <br> Corporation / ClearBridge <br> Investments, LLC<br>| 0.95%<sup>1</sup> <br>| 14.19% | 12.44% | 13.05% |
| Equity - US Large Cap <br> Blend<br>| Lincoln Variable Insurance Products Trust<br> **LVIP ClearBridge Dividend Strategy** <br> **Fund**<sup>4,5</sup> <br>**Service Class**<br>| Lincoln Financial Investments <br> Corporation / ClearBridge <br> Investments, LLC<br>| 1.00%<sup>1</sup> <br>| 12.46% | 11.69% | 12.29% |
| Allocation - Moderate | Columbia Funds Variable Series Trust II<br> **Columbia Variable Portfolio – Balanced** <br> **Fund**<br> **Class 2**<br>| Columbia Management <br> Investment Advisers, LLC<br>| 0.96%<sup>1</sup> <br>| 13.75% | &nbsp;&nbsp; 8.45% | &nbsp;&nbsp; 9.48% |
| 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% |
| Equity - US Large Cap | First Trust Variable Insurance Trust<br> **First Trust Capital Strength**<sup>®</sup> **Portfolio**<br> **Class I**<br>| First Trust Advisors L.P. | 1.10% | &nbsp;&nbsp; 5.70% | &nbsp;&nbsp; 7.07% | &nbsp;&nbsp; N/A |
| 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 - International <br> Large Cap<br>| First Trust Variable Insurance Trust<br> **First Trust International Developed** <br> **Capital Strength**<sup>®</sup> **Portfolio**<br> **Class I**<br>| First Trust Advisors L.P. | 1.20%<sup>1</sup> <br>| 19.53% | &nbsp;&nbsp; 6.45% | &nbsp;&nbsp; N/A |
| Allocation - Moderate | Franklin Templeton Variable Insurance <br> Products Trust<br> **Franklin Allocation VIP Fund**<br> **Class 4**<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>| 0.92%<sup>1</sup> <br>| 12.53% | &nbsp;&nbsp; 5.59% | &nbsp;&nbsp; 7.19% |

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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 - Cautious | Franklin Templeton Variable Insurance <br> Products Trust<br> **Franklin Income VIP Fund**<br> **Class 4**<br>| Franklin Advisers, Inc. | 0.82% | 12.43% | &nbsp;&nbsp; 7.54% | &nbsp;&nbsp; 7.19% |
| Allocation - Moderate | Legg Mason Partners Variable Equity Trust<br> **Franklin Multi-Asset Variable** <br> **Conservative Growth Fund**<br> **Class II**<br>| Franklin Templeton Fund <br> Advisor, LLC / Franklin <br> Advisers, Inc.<br>| 0.84% | 12.50% | &nbsp;&nbsp; 6.43% | &nbsp;&nbsp; N/A |
| Allocation - Large Cap <br> Equity<br>| Franklin Templeton Variable Insurance <br> Products Trust<br> **Franklin Mutual Shares VIP Fund**<br> **Class 4**<br>| Franklin Mutual Advisers, <br> LLC<br>| 1.04% | 11.45% | &nbsp;&nbsp; 9.11% | &nbsp;&nbsp; 7.43% |
| Equity - US Large Cap <br> Blend<br>| Franklin Templeton Variable Insurance <br> Products Trust<br> **Franklin Rising Dividends VIP Fund**<br> **Class 4**<br>| Franklin Advisers, Inc. | 0.99% | 11.66% | &nbsp;&nbsp; 9.38% | 11.98% |
| Equity - US Small Cap | Franklin Templeton Variable Insurance <br> Products Trust<br> **Franklin Small Cap Value VIP Fund**<br> **Class 4**<br>| Franklin Mutual Advisers, <br> LLC<br>| 1.01%<sup>1</sup> <br>| &nbsp;&nbsp; 7.49% | &nbsp;&nbsp; 8.75% | &nbsp;&nbsp; 9.71% |
| 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% |
| Equity - US Mid Cap | AIM Variable Insurance Funds (Invesco <br> Variable Insurance Funds)<br> **Invesco V.I. Discovery Mid Cap Growth** <br> **Fund**<br> **Series II**<br>| Invesco Advisers, Inc. | 1.11% | &nbsp;&nbsp; 4.53% | &nbsp;&nbsp; 3.64% | 11.10% |
| Equity - US Large Cap <br> Value<br>| AIM Variable Insurance Funds (Invesco <br> Variable Insurance Funds)<br> **Invesco V.I. Diversified Dividend Fund**<br> **Series II**<br>| Invesco Advisers, Inc. | 0.93% | 15.44% | 10.53% | &nbsp;&nbsp; 8.93% |
| Equity - US Large Cap <br> Blend<br>| AIM Variable Insurance Funds (Invesco <br> Variable Insurance Funds)<br> **Invesco V.I. Equally-Weighted S&P 500** <br> **Fund**<br> **Series II**<br>| Invesco Advisers, Inc. /<br> Invesco Capital Management, <br> LLC<br>| 0.59% | 10.82% | &nbsp;&nbsp; 9.89% | 11.11% |
| 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 - 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**<br>| Invesco Advisers, Inc. | 1.05%<sup>1</sup> <br>| 15.64% | 12.19% | 12.25% |
| Allocation - Moderate | Janus Aspen Series<br> **Janus Henderson Balanced Portfolio**<br> **Service Shares**<br>| Janus Henderson Investors <br> US LLC<br>| 0.87% | 14.82% | &nbsp;&nbsp; 8.21% | &nbsp;&nbsp; 9.86% |
| Equity - US Mid Cap | Janus Aspen Series<br> **Janus Henderson Enterprise Portfolio**<br> **Service Shares**<br>| Janus Henderson Investors <br> US LLC<br>| 0.97% | &nbsp;&nbsp; 7.41% | &nbsp;&nbsp; 7.35% | 12.51% |
| Equity - Technology <br> Sector<br>| Janus Aspen Series<br> **Janus Henderson Global Technology and** <br> **Innovation Portfolio**<br> **Service Shares**<br>| Janus Henderson Investors <br> US LLC<br>| 0.97% | 24.84% | 13.44% | 21.18% |

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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 Mid Cap | Janus Aspen Series<br> **Janus Henderson Mid Cap Value Portfolio**<br> **Service Shares**<br>| Janus Henderson Investors <br> US LLC<br>| 1.08%<sup>1</sup> <br>| &nbsp;&nbsp; 6.29% | &nbsp;&nbsp; 8.43% | &nbsp;&nbsp; 8.40% |
| 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% |
| Fixed Income - US | Lord Abbett Series Fund, Inc.<br> **Short Duration Income Portfolio**<br> **Class VC**<br>| Lord, Abbett & Co. LLC | 0.72%<sup>1</sup> <br>| &nbsp;&nbsp; 5.90% | &nbsp;&nbsp; 2.25% | &nbsp;&nbsp; 2.62% |
| 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 - 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>1</sup> <br>| 15.21% | &nbsp;&nbsp; 4.60% | &nbsp;&nbsp; 5.40% |
| 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 Large Cap <br> Growth<br>| MFS<sup>®</sup> Variable Insurance Trust<br> **MFS**<sup>®</sup> **Growth Series**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.98%<sup>1</sup> <br>| 11.90% | 10.82% | 15.31% |
| Equity - US Large Cap <br> Blend<br>| MFS<sup>®</sup> Variable Insurance Trust<br> **MFS**<sup>®</sup> **Investors Trust Series**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.99%<sup>1</sup> <br>| 13.32% | 11.06% | 12.21% |
| 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% |
| Equity - US Mid Cap | MFS<sup>®</sup> Variable Insurance Trust III<br> **MFS**<sup>®</sup> **Mid Cap Value Portfolio**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 1.04%<sup>1</sup> <br>| &nbsp;&nbsp; 5.75% | &nbsp;&nbsp; 9.90% | &nbsp;&nbsp; 9.69% |
| 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% |

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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 - 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% |
| 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>6</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 - 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>1</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> **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% |

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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 | 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% |
| Equity - US All Cap | Putnam Variable Trust<br> **Putnam VT Sustainable Future Fund**<br> **Class IB**<br>| Putnam Investment <br> Management, LLC / Franklin <br> Advisers, Inc, Franklin <br> Templeton Investment <br> Management Limited<br>| 1.05%<sup>1</sup> <br>| &nbsp;&nbsp; 2.66% | &nbsp;&nbsp; 1.19% | &nbsp;&nbsp; 9.60% |
| Equity - US All Cap | Putnam Variable Trust<br> **Putnam VT Sustainable Leaders Fund**<br> **Class IB**<br>| Putnam Investment <br> Management, LLC / Franklin <br> Advisers, Inc, Franklin <br> Templeton Investment <br> Management Limited<br>| 0.88% | 10.69% | 10.34% | 14.69% |
| Equity - US Large Cap <br> Blend<br>| Putnam Variable Trust<br> **Putnam VT U.S. Research Fund**<sup>7</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% |
| Equity - US Large Cap <br> Growth<br>| T. Rowe Price Equity Series, Inc.<br> **T. Rowe Price Blue Chip Growth Portfolio** <br> **- II Class**<br>| T. Rowe Price Associates, Inc. | 1.00% | 18.43% | 11.41% | 15.25% |
| Equity - US Large Cap <br> Value<br>| T. Rowe Price Equity Series, Inc.<br> **T. Rowe Price Equity Income Portfolio - II** <br> **Class**<br>| T. Rowe Price Associates, Inc. | 0.99% | 14.07% | 10.89% | 10.24% |
| Equity - Healthcare <br> Sector<br>| T. Rowe Price Equity Series, Inc.<br> **T. Rowe Price Health Sciences Portfolio -** <br> **II Class**<br>| T. Rowe Price Associates, Inc. | 1.11% | 17.80% | &nbsp;&nbsp; 3.86% | &nbsp;&nbsp; 8.70% |
| Equity - Global <br> Emerging Markets<br>| Franklin Templeton Variable Insurance <br> Products Trust<br> **Templeton Emerging Markets VIP Fund**<sup>8</sup> <br>**Class 4**<br>| Templeton Asset Management <br> Ltd. / Franklin Templeton <br> Investment Management <br> Limited<br>| 1.47% | 46.09% | &nbsp;&nbsp; 5.34% | 10.28% |
| Allocation - Aggressive | Northern Lights Variable Trust<br> **TOPS**<sup>®</sup> **Aggressive ETF Portfolio**<sup>9</sup> <br>**Investor Class**<br>| ValMark Advisers, Inc. /<br> Milliman Financial Risk <br> Management, LLC<br>| 0.79% | 18.53% | &nbsp;&nbsp; 9.15% | &nbsp;&nbsp; 9.99% |
| Allocation - Moderate | Northern Lights Variable Trust<br> **TOPS**<sup>®</sup> **Balanced ETF Portfolio**<br> **Investor Class**<br>| ValMark Advisers, Inc. /<br> Milliman Financial Risk <br> Management, LLC<br>| 0.79% | 12.59% | &nbsp;&nbsp; 5.26% | &nbsp;&nbsp; 6.10% |
| Allocation - Cautious | Northern Lights Variable Trust<br> **TOPS**<sup>®</sup> **Conservative ETF Portfolio**<br> **Investor Class**<br>| ValMark Advisers, Inc. /<br> Milliman Financial Risk <br> Management, LLC<br>| 0.81% | &nbsp;&nbsp; 9.76% | &nbsp;&nbsp; 4.09% | &nbsp;&nbsp; 4.77% |
| Allocation - Moderate | Northern Lights Variable Trust<br> **TOPS**<sup>®</sup> **Moderate ETF Portfolio**<sup>10</sup> <br>**Investor Class**<br>| ValMark Advisers, Inc. /<br> Milliman Financial Risk <br> Management, LLC<br>| 0.78% | 14.87% | &nbsp;&nbsp; 6.66% | &nbsp;&nbsp; 7.63% |

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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 - Aggressive | Northern Lights Variable Trust<br> **TOPS**<sup>®</sup> **Moderately Aggressive ETF** <br> **Portfolio**<sup>11</sup> <br>**Investor Class**<br>| ValMark Advisers, Inc. /<br> Milliman Financial Risk <br> Management, LLC<br>| 0.79% | 17.74% | &nbsp;&nbsp; 8.30% | &nbsp;&nbsp; 9.12% |
| 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.

Prior to April 24, 2026, the name of this fund was Clearbridge Variable Appreciation Portfolio.

Only available for investment if you purchased your Contract before May 1, 2026.

Prior to April 24, 2026, the name of this fund was Clearbridge Variable Dividend Strategy Portfolio.

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.

Prior to May 1, 2026, the name of this fund was Templeton Developing Markets VIP Fund.

Prior to May 1, 2026, the name of this fund was TOPS<sup>®</sup> Aggressive Growth ETF Portfolio.

Prior to May 1, 2026, the name of this fund was TOPS<sup>®</sup> Moderate Growth ETF Portfolio.

Prior to May 1, 2026, the name of this fund was TOPS<sup>®</sup> Growth ETF Portfolio.

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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:** <br>**LIST OF DESIGNATED INVESTMENT OPTIONS AND OTHER INVESTMENT RESTRICTIONS**

If you own any of the optional living benefit riders listed below including prior versions, 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;● Income Boost GLWB (and prior versions)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Income Control GLWB (and prior versions)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Flex Income Boost GLWB

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Flex Income Control GLWB

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Armor Seven / Armor Ten GMAB

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Armor Flex 7 / Armor Flex 10 GMPB

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● GLWB/GMPB Combo (with Income Control GLWB)

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

**Investment Restrictions for Income Boost GLWB, Flex Income Boost GLWB, GMPB and GLWB/GMPB Combo**

You may allocate your Purchase Payments and Contract Value to any Fund under the Contract (*i.e.,* you are not limited to the Designated Investment Options). However, you may not invest in the Fixed Account other than through the DCA Program.

**Investment Restrictions – Income Control GLWB, Flex Income Control GLWB, Armor Seven GMAB, Armor Ten GMAB, and GLWB/GMPB Combo**

If you own any of these optional living benefit riders, only the Funds that we have designated as "Designated Investment Options" are available for investment. Currently, the Designated Investment Options include the following Funds:

**<u>Cautious Allocation</u>**

Franklin Income VIP Fund

MFS® VIT II Global Tactical Allocation Portfolio

MFS® VIT III Conservative Allocation Portfolio

TOPS® Conservative ETF Portfolio

**<u>Moderate Allocation</u>**

AB Variable Products Series Balanced Hedged Allocation Portfolio

AFIS American Funds Insurance Series® Global Balanced Fund

AFIS American Funds Insurance Series® Asset Allocation Fund

BlackRock Global Allocation V.I. Fund

First Trust/Dow Jones Dividend & Income Allocation Portfolio

Invesco V.I. Equity and Income Fund

MFS® VIT III Moderate Allocation Portfolio

MFS® VIT Total Return Series

Morgan Stanley Variable Insurance Fund, Inc. Global Strategist Portfolio

Putnam VT George Putnam Balanced Fund

Putnam VT Global Asset Allocation

BlackRock 60/40 Target Allocation ETF VI Fund

Columbia Variable Portfolio - Balanced Fund

Franklin Allocation VIP Fund

Franklin Multi-Asset Variable Conservative Growth Fund

Janus Henderson VIT Balanced Portfolio

TOPS® Balanced ETF Portfolio

TOPS® Moderate ETF Portfolio

**Additional information about investment restrictions is provided under "*DESIGNATED INVESTMENT OPTIONS*" and "*OPTIONAL LIVING BENEFITS*" in the Prospectus.**

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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/246115208.

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.: C000221210

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