# EDGAR Filing Document

**Accession Number:** 0000853285
**File Stem:** 0001193125-26-198989
**Filing Date:** 2026-5
**Character Count:** 70076
**Document Hash:** 58599a2aa3e0eb647285293437729f7e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-198989.hdr.sgml**: 20260501

**ACCESSION NUMBER**: 0001193125-26-198989

**CONFORMED SUBMISSION TYPE**: 497

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260501

**DATE AS OF CHANGE**: 20260501

**EFFECTIVENESS DATE**: 20260501

**FILER**: 

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

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

**FILING VALUES:**
- **FORM TYPE:** 497
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-83362
- **FILM NUMBER:** 26928731

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

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

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

## Series and Classes Contracts Data

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

---

|  |  |
|:---|:---|
| Class Name                                                           | Class ID   |
| Masters Extra, Futurity Select Incentive and Columbia All-Star Extra | C000021926 |

---

## Series and Classes Contracts Data

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

| Class ID   | Class Name                                                           | Ticker Symbol   |
|:---|:---|:---|
| C000021926 | Masters Extra, Futurity Select Incentive and Columbia All-Star Extra |  |

**SUPPLEMENT DATED MAY 1, 2026**

**TO PROSPECTUS AND UPDATING SUMMARY PROSPECTUS DATED MAY 1, 2025** <br>**FOR MASTERS EXTRA VARIABLE ANNUITY** 

**ISSUED BY**

**DELAWARE LIFE INSURANCE COMPANY**

**DELAWARE LIFE VARIABLE ACCOUNT F** 

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

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

The prospectus for the Contract dated May 1, 2025, as supplemented, contains more information about the Contract including its features, benefits, and risks. If you have any questions about the Contract and wish to talk to a representative, you may call (877) 253-2323. You can find the May 1, 2025 Contract prospectus, the current prospectuses for the Funds and other information about the Contract online at https://dfinview.com/DelawareLife/TAHD/866792773?site=Annuity. You can also obtain this information at no cost at <u>https://dfinreports.com/delawarelife</u>, by calling (800) 477-6545, or by sending an email request to customer.relations@delawarelife.com.

Financial statements of Delaware Life Variable Account F (the "Variable Account") for the year ended December 31, 2025 can be found online at https://dfinview.com/DelawareLife/TAHD/866792773?site=Annuity. You can also obtain these financial statements at no cost at <u>https://dfinreports.com/delawarelife</u>, by calling (800) 477-6545, or by sending an email request to customer.relations@delawarelife.com.

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

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

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

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

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

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

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

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

------

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

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

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

------

**Table of Contents** 

---

| | |
|:---|:---|
| [SPECIAL TERMS](#xx_8c1fce23-70b2-446f-b359-1a84398ae47d_1) | 4 |
| [UPDATED INFORMATION ABOUT THE CONTRACT](#xx_efe9fa2a-b7fe-49a8-bbb9-bd83e54c66a9_1) | 6 |
| [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#xx_efe9fa2a-b7fe-49a8-bbb9-bd83e54c66a9_1) | 6 |
| [APPENDIX A - FUNDS AVAILABLE UNDER THE CONTRACT](#xx_4f8638b7-ce36-42cd-9d2e-7df63a355a04_1) | 10 |
| [APPENDIX A - FIXED OPTIONS AVAILABLE UNDER THE CONTRACT](#xx_16daa2c5-54ac-404a-813c-c0c58e5d870b_1) | 17 |
| [APPENDIX B - LIST OF DESIGNATED FUNDS AND OTHER INVESTMENT RESTRICTIONS](#xx_6f5c80dc-8b91-4a23-bda4-2501fb6526cf_1) | 18 |

---

------

**SPECIAL TERMS**

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

**ACCOUNT VALUE:** The Variable Account Value, if any, plus the Fixed Account Value, if any, of your Account for any Valuation Period.

**ACCOUNT YEAR and ACCOUNT ANNIVERSARY:** Your first Account Year is the period 365 days (366, if a leap year) from the date on which we issued your Contract. Your Account Anniversary is the last day of an Account Year. Each Account Year after the first is the 365-day period that begins on your Account Anniversary.

**CERTIFICATE:** The document for each Participant which evidences the coverage of the Participant under a Group Contract.

**COMPANY ("WE", "US" "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:** Any Individual Contract, Group Contract, or Certificate issued under a Group Contract.

**COVERED PERSON:** The person(s) identified as such in the Contract whose death will trigger the death benefit provisions of the Contract and whose medically necessary stay in a hospital or nursing facility may allow the Participant to be eligible for a waiver of the withdrawal charge. The Participant/Owner is the Covered Person unless there is a non-natural Owner, such as a trust, in which case the Annuitant is the Covered Person.

**DESIGNATED FUNDS:** The limited investment options you can choose if you are participating in a living benefit.

**FIXED ACCOUNT:** The general account of the Company, consisting of all assets of the Company other than those allocated to a separate account of the Company.

**FUND:** A registered management investment company, or series thereof, in which assets of a Sub-Account may be invested.

**GROUP CONTRACT:** A Contract issued by the Company on a group basis.

**GUARANTEE PERIOD:** The period for which a Guaranteed Interest Rate is credited.

**GUARANTEED INTEREST RATE:** The rate of interest we credit on a compound annual basis during any Guarantee Period.

**INDIVIDUAL CONTRACT:** A Contract issued by the Company on an individual basis.

**ISSUE DATE:** The date the Contract becomes effective which is the date we apply your initial Net Purchase Payment to your Account and issue your Contract.

**NET PURCHASE PAYMENT:** The portion of a Purchase Payment which remains after the deduction of any applicable premium tax or similar tax.

**OWNER:** The person, persons or entity entitled to the ownership rights stated in a Group Contract and in whose name or names the Group Contract is issued. The Owner may designate a trustee or custodian of a retirement plan which meets the requirements of Section 401, Section 408(c), Section 408(k), Section 408(p) or Section 408A of the Internal Revenue Code to serve as legal owner of assets of a retirement plan, but the term "Owner," as used herein, shall refer to the organization entering into the Group Contract.

------

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

**VALUATION PERIOD:** The period of time from one determination of Variable Accumulation Unit or Annuity Unit values to the next subsequent determination of these values. Value determinations are made as of the close of the New York Stock Exchange on each day that the Exchange is open for trading.

**VARIABLE ACCOUNT VALUE:** The value of that portion of your Account allocated to the Variable Account.

**VARIABLE ACCUMULATION UNIT:** A unit of measure used in the calculation of Variable Account Value.

**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.

**YOU and YOUR:** The terms "you" and "your" refer to "Owner," "Participant," and/or "Covered Person" as those terms are identified in the Contract.

------

**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 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 serves as sub-adviser of the Fund.

*Name Changes* 

---

| | |
|:---|:---|
| ***<u>Current Fund Name</u>*** | ***<u>New Fund Name</u>*** |
| Columbia Variable Portfolio-Large Cap Growth Fund  | Columbia Variable Portfolio-Cornerstone Growth Fund  |
| Columbia Variable Portfolio-Small Cap Value Fund | &nbsp;&nbsp; Columbia Variable Portfolio-Small Cap Value <br> Discovery Fund <br>|
| CTIVP<sup>®</sup>-Principal Growth Fund | CTIVP<sup>®</sup>-Principal Large Cap Growth Fund  |
| MFS<sup>®</sup> International Intrinsic Value Portfolio  | MFS<sup>®</sup> International Intrinsic Equity Portfolio |
| Templeton Developing Markets VIP Fund | Templeton Emerging Markets VIP Fund |
| Wanger Acorn Fund | Columbia Variable Portfolio - Acorn Fund |

---

*Expenses and Performance Information*

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

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

---

| | | |
|:---|:---|:---|
|  | **FEES AND EXPENSES** | &nbsp;&nbsp; **Location In The**<br> **Prospectus**<br>|
| **Are There** <br> **Charges for**<br> **Early**<br> **Withdrawals?**<br>| &nbsp;&nbsp; **Yes.** If you withdraw money from your Contract within 7 years following <br> your last Purchase Payment, you will be assessed a withdrawal charge of up <br> to 8.0% (as a percentage of Purchase Payments withdrawn), declining to 0% <br> over that time period.<br> For example, if you make a withdrawal, you could pay a withdrawal charge <br> of up to $8,000 on a $100,000 investment. This loss will be greater if there <br> are taxes or tax penalties. | &nbsp;&nbsp; **Fee Table –** <br> **Transaction** <br> **Expenses**<br> **Withdrawals,** <br> **Withdrawal** <br> **Charges, and** <br> **Market Value** <br> **Adjustment**<br>|

---

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

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

------

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

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

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

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

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

------

**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/866792773?site=Annuity. You can also request this information at no cost at https://dfinreports.com/DelawareLife, by calling (800) 477-6545, or by sending an email request to customer.relations@delawarelife.com. Depending on the optional benefits you choose, you may not be able to invest in certain Funds. See APPENDIX B - LIST OF DESIGNATED FUNDS AND OTHER INVESTMENT RESTRICTIONS.

The current expenses and performance information below reflects fees and expenses of the Funds, but does not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. A Fund's past performance is not necessarily an indication of future performance.

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Fund** | **Adviser/Subadviser** | **Current**<br> **Expenses** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Fund** | **Adviser/Subadviser** | **Current**<br> **Expenses** | **1 Year** | **5 Year** | **10 Year** |
| Allocation - Moderate | AB Variable Products Series Fund, Inc.<br> **Balanced Hedged Allocation Portfolio**<br> **Class B**<sup>1</sup> <br>| AllianceBernstein, L.P. | 0.98%<sup>2</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**<sup>1</sup> <br>| AllianceBernstein, L.P. | 1.07% | &nbsp;&nbsp; 2.64% | &nbsp;&nbsp; 8.48% | &nbsp;&nbsp; 8.27% |
| Allocation - Moderate | AB Variable Products Series Fund, Inc.<br> **Dynamic Asset Allocation Portfolio**<br> **Class B**<sup>1</sup> <br>| AllianceBernstein, L.P. | 1.10%<sup>2</sup> <br>| 13.21% | &nbsp;&nbsp; 4.74% | &nbsp;&nbsp; 5.25% |
| Equity - Global Large <br> Cap<br>| AB Variable Products Series Fund, Inc.<br> **International Value Portfolio**<br> **Class B**<sup>1,3</sup> <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**<sup>1</sup> <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>4</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>5</sup> <br>**Class 1**<sup>6,7</sup> <br>| Columbia Management <br> Investment Advisers, LLC<br>| 0.72% | 16.14 | 14.04% | 15.97% |
| Equity - US Large Cap <br> Growth<br>| Columbia Funds Variable Series Trust II<br> **Columbia Variable Portfolio –** <br> **Cornerstone Growth Fund**<sup>5</sup> <br>**Class 2**<br>| Columbia Management <br> Investment Advisers, LLC<br>| 0.97% | 15.85% | 13.75% | 15.69% |
| Equity - Global Large <br> Cap<br>| Columbia Funds Variable Series Trust II<br> **Columbia Variable Portfolio – Overseas** <br> **Core Fund**<br> **Class 2**<br>| Columbia Management <br> Investment Advisers, LLC<br>| 1.04% | 37.96% | &nbsp;&nbsp; 8.92% | &nbsp;&nbsp; 7.55% |
| Equity - US Small Cap | Columbia Funds Variable Insurance Trust<br> **Columbia Variable Portfolio – Small Cap** <br> **Value Discovery Fund**<sup>8</sup> <br>**Class 2**<sup>4</sup> <br>| Columbia Management <br> Investment Advisers, LLC<br>| 1.13%<sup>2</sup> <br>| 14.66% | 12.19% | 11.20% |
| Equity - US Large Cap <br> Growth<br>| Columbia Funds Variable Series Trust II<br> **CTIVP**<sup>®</sup>**– Principal Large Cap Growth** <br> **Fund**<br> **Class 1**<sup>6,7</sup> <br>| Columbia Management <br> Investment Advisers, LLC /<br> Principal Global Investors, <br> LLC<br>| 0.69% | 13.78% | 10.47% | 14.66% |
| Equity - US Large Cap <br> Growth<br>| Columbia Funds Variable Series Trust II<br> **CTIVP**<sup>®</sup>**– Principal Large Cap Growth** <br> **Fund**<br> **Class 2**<br>| Columbia Management <br> Investment Advisers, LLC /<br> Principal Global Investors, <br> LLC<br>| 0.94% | 13.49% | 10.20% | 14.38% |

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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 | 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**<sup>1</sup> <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 2010 Portfolio**<br> **Service Class 2**<sup>3</sup> <br>| Fidelity Management & <br> Research Company, LLC<br>| 0.63% | 10.26% | &nbsp;&nbsp; 2.89% | &nbsp;&nbsp; 5.46% |
| 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**<br>| Fidelity Management & <br> Research Company, LLC<br>| 0.66% | 11.66% | &nbsp;&nbsp; 3.73% | &nbsp;&nbsp; 6.33% |
| 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**<br>| Fidelity Management & <br> Research Company, LLC<br>| 0.69% | 12.99% | &nbsp;&nbsp; 4.57% | &nbsp;&nbsp; 7.11% |
| 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>1,9</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% |

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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 | 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% |
| Equity - US Mid Cap | AIM Variable Insurance Funds (Invesco <br> Variable Insurance Funds)<br> **Invesco V.I. American Value Fund**<br> **Series II**<sup>1</sup> <br>| Invesco Advisers, Inc. | 1.14% | 20.76% | 17.56% | 12.01% |
| 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> 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 II**<sup>1</sup> <br>| Invesco Advisers, Inc. | 1.15% | 16.23% | &nbsp;&nbsp; 3.42% | &nbsp;&nbsp; 5.95% |
| 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>3</sup> <br>| Invesco Advisers, Inc. | 1.05%<sup>2</sup> <br>| 15.64% | 12.19% | 12.25% |
| Equity - US Small Cap | AIM Variable Insurance Funds (Invesco <br> Variable Insurance Funds)<br> **Invesco V.I. Main Street Small Cap Fund**<sup>®</sup> <br>**Series II**<sup>6</sup> <br>| Invesco Advisers, Inc. | 1.09% | &nbsp;&nbsp; 8.44% | &nbsp;&nbsp; 8.07% | 10.31% |
| Equity - Global <br> Emerging Markets<br>| Lazard Retirement Series, Inc.<br> **Lazard Retirement Emerging Markets** <br> **Equity Portfolio**<br> **Service Shares**<sup>1</sup> <br>| Lazard Asset <br> Management LLC<br>| 1.38%<sup>2</sup> <br>| 41.77% | 10.76% | &nbsp;&nbsp; 9.35% |
| Fixed Income - US | Lincoln Variable Insurance Products Trust<br> **LVIP JPMorgan Core Bond Fund**<br> **Service Class**<sup>1</sup> <br>| Lincoln Financial Investments <br> Corporation / J.P. Morgan <br> Investment Management, Inc.<br>| 0.71% | &nbsp;&nbsp; 7.15% | -0.29% | &nbsp;&nbsp; 1.85% |
| Equity - US Large Cap <br> Blend<br>| Lincoln Variable Insurance Products Trust<br> **LVIP JPMorgan U.S. Equity Fund**<br> **Service Class**<sup>1</sup> <br>| Lincoln Financial Investments <br> Corporation / J.P. Morgan <br> Investment Management, Inc.<br>| 0.88% | 14.26% | 13.40% | 14.56% |
| Equity - US Large Cap <br> Value<br>| Lord Abbett Series Fund, Inc.<br> **Fundamental Equity Portfolio**<br> **Class VC**<br>| Lord, Abbett & Co. LLC | 1.08%<sup>2</sup> <br>| 14.29% | 11.36% | &nbsp;&nbsp; 9.75% |
| Equity - US Mid Cap | Lord Abbett Series Fund, Inc.<br> **Growth Opportunities Portfolio**<br> **Class VC**<br>| Lord, Abbett & Co. LLC | 1.15% | 12.94% | &nbsp;&nbsp; 3.23% | 10.41% |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Fund** | **Adviser/Subadviser** | **Current**<br> **Expenses** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Fund** | **Adviser/Subadviser** | **Current**<br> **Expenses** | **1 Year** | **5 Year** | **10 Year** |
| Equity - US Large Cap <br> Blend<br>| MFS<sup>®</sup> Variable Insurance Trust II<br> **MFS**<sup>®</sup> **Blended Research**<sup>®</sup> **Core Equity** <br> **Portfolio**<br> **Service Class**<sup>6</sup> <br>| Massachusetts Financial <br> Services Company<br>| 0.55%<sup>2</sup> <br>| 15.82% | 15.01% | 13.59% |
| 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>2</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**<sup>1</sup> <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>2</sup> <br>| 12.22% | 11.26% | 13.53% |
| 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 - Global Large <br> Cap<br>| MFS<sup>®</sup> Variable Insurance Trust II<br> **MFS**<sup>®</sup> **Global Growth Portfolio**<br> **Service Class**<sup>10</sup> <br>| Massachusetts Financial <br> Services Company<br>| 1.13%<sup>2</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> **Initial Class**<sup>10</sup> <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% |
| 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>2</sup> <br>| &nbsp;&nbsp; 3.30% | &nbsp;&nbsp; 1.08% | &nbsp;&nbsp; 4.76% |
| Equity - Global Large <br> Cap<br>| MFS<sup>®</sup> Variable Insurance Trust II<br> **MFS**<sup>®</sup> **Global Research Portfolio**<br> **Service Class**<sup>6</sup> <br>| Massachusetts Financial <br> Services Company<br>| 1.10%<sup>2</sup> <br>| 16.07% | &nbsp;&nbsp; 9.03% | 10.93% |
| Allocation - Cautious | MFS<sup>®</sup> Variable Insurance Trust II<br> **MFS**<sup>®</sup> **Global Tactical Allocation Portfolio**<br> **Service Class**<sup>1</sup> <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> **Service Class**<sup>1</sup> <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>2</sup> <br>| 11.90% | 10.82% | 15.31% |
| Fixed Income - US | MFS<sup>®</sup> Variable Insurance Trust II<br> **MFS**<sup>®</sup> **High Yield Portfolio**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.97%<sup>2</sup> <br>| &nbsp;&nbsp; 8.47% | &nbsp;&nbsp; 3.63% | &nbsp;&nbsp; 5.30% |
| Fixed Income - US | MFS<sup>®</sup> Variable Insurance Trust II<br> **MFS**<sup>®</sup> **Income Portfolio**<br> **Service Class**<sup>10</sup> <br>| Massachusetts Financial <br> Services Company<br>| 0.92%<sup>2</sup> <br>| &nbsp;&nbsp; 7.09% | &nbsp;&nbsp; 0.41% | &nbsp;&nbsp; 3.33% |
| Fixed Income - US | MFS<sup>®</sup> Variable Insurance Trust III<br> **MFS**<sup>®</sup> **Inflation-Adjusted Bond Portfolio**<br> **Service Class**<sup>1</sup> <br>| Massachusetts Financial <br> Services Company<br>| 0.85%<sup>2</sup> <br>| &nbsp;&nbsp; 8.17% | -3.35% | &nbsp;&nbsp; 0.84% |
| 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% |

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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 - Global Large <br> Cap<br>| MFS<sup>®</sup> Variable Insurance Trust II<br> **MFS**<sup>®</sup> **International Intrinsic Equity** <br> **Portfolio**<sup>11</sup> <br>**Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 1.14%<sup>2</sup> <br>| 32.96% | &nbsp;&nbsp; 7.02% | &nbsp;&nbsp; 9.68% |
| Fixed Income - US | MFS<sup>®</sup> Variable Insurance Trust III<br> **MFS**<sup>®</sup> **Limited Maturity Portfolio**<br> **Initial Class**<sup>12</sup> <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% |
| Fixed Income - US | MFS<sup>®</sup> Variable Insurance Trust III<br> **MFS**<sup>®</sup> **Limited Maturity Portfolio**<br> **Service Class**<sup>1</sup> <br>| Massachusetts Financial <br> Services Company<br>| 0.73%<sup>2</sup> <br>| &nbsp;&nbsp; 5.49% | &nbsp;&nbsp; 2.29% | &nbsp;&nbsp; 2.44% |
| Equity - US Large Cap <br> Growth<br>| MFS<sup>®</sup> Variable Insurance Trust II<br> **MFS**<sup>®</sup> **Massachusetts Investors Growth** <br> **Stock Portfolio**<br> **Service Class**<sup>6</sup> <br>| Massachusetts Financial <br> Services Company<br>| 0.97%<sup>2</sup> <br>| &nbsp;&nbsp; 9.61% | &nbsp;&nbsp; 9.74% | 13.98% |
| Equity - US Mid Cap | MFS<sup>®</sup> Variable Insurance Trust<br> **MFS**<sup>®</sup> **Mid Cap Growth Series**<br> **Service Class**<sup>1</sup> <br>| Massachusetts Financial <br> Services Company<br>| 1.06%<sup>2</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> **Initial Class**<sup>12</sup> <br>| Massachusetts Financial <br> Services Company<br>| 0.79%<sup>2</sup> <br>| &nbsp;&nbsp; 5.98% | 10.18% | &nbsp;&nbsp; 9.95% |
| Equity - US Mid Cap | MFS<sup>®</sup> Variable Insurance Trust III<br> **MFS**<sup>®</sup> **Mid Cap Value Portfolio**<br> **Service Class**<sup>1</sup> <br>| Massachusetts Financial <br> Services Company<br>| 1.04%<sup>2</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**<sup>1</sup> <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**<sup>1</sup> <br>| Massachusetts Financial <br> Services Company<br>| 1.12%<sup>2</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**<sup>1</sup> <br>| Massachusetts Financial <br> Services Company<br>| 1.13%<sup>2</sup> <br>| &nbsp;&nbsp; 2.88% | &nbsp;&nbsp; 8.22% | 10.30% |
| 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> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.99%<sup>2</sup> <br>| 12.57% | 10.87% | 12.65% |
| Fixed Income - US | MFS<sup>®</sup> Variable Insurance Trust<br> **MFS**<sup>®</sup> **Total Return Bond Series**<br> **Service Class**<sup>1</sup> <br>| Massachusetts Financial <br> Services Company<br>| 0.78%<sup>2</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>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> **Service Class**<sup>13</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**<sup>12</sup> <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% |

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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 | Morgan Stanley Variable Insurance Fund, <br> Inc.<br> **Discovery Portfolio**<br> **Class II**<sup>1</sup> <br>| Morgan Stanley Investment <br> Management, Inc.<br>| 1.05%<sup>2</sup> <br>| 12.44% | -5.46% | 14.04% |
| Equity - US Large Cap <br> Growth<br>| Morgan Stanley Variable Insurance Fund, <br> Inc.<br> **Growth Portfolio**<br> **Class II**<sup>1</sup> <br>| Morgan Stanley Investment <br> Management, Inc.<br>| 0.82%<sup>2</sup> <br>| 35.38% | &nbsp;&nbsp; 3.15% | 17.46% |
| Allocation - Moderate | PIMCO Variable Insurance Trust<br> **PIMCO All Asset Portfolio**<br> **Administrative Class**<br>| Pacific Investment <br> Management Company LLC /<br> Research Affiliates, LLC<br>| 2.13%<sup>2</sup> <br>| 14.20% | &nbsp;&nbsp; 5.60% | &nbsp;&nbsp; 6.77% |
| 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> **Advisor Class**<sup>1</sup> <br>| Pacific Investment <br> Management Company LLC<br>| 1.31%<sup>2</sup> <br>| 21.77% | &nbsp;&nbsp; 6.94% | &nbsp;&nbsp; 7.88% |
| Fixed Income - US | PIMCO Variable Insurance Trust<br> **PIMCO Real Return Portfolio**<br> **Administrative Class**<sup>3</sup> <br>| Pacific Investment <br> Management Company LLC<br>| 1.39% | &nbsp;&nbsp; 7.85% | &nbsp;&nbsp; 1.21% | &nbsp;&nbsp; 3.21% |
| Equity - Global Large <br> Cap<br>| PIMCO Equity Series VIT<br> **PIMCO StocksPLUS**<sup>®</sup> **Global Portfolio**<br> **Advisor Class**<sup>1</sup> <br>| Pacific Investment <br> Management Company LLC<br>| 0.93%<sup>2</sup> <br>| 24.25% | 10.89% | 11.07% |
| Fixed Income - US | PIMCO Variable Insurance Trust<br> **PIMCO Total Return Portfolio**<br> **Administrative Class**<sup>3</sup> <br>| Pacific Investment <br> Management Company LLC<br>| 0.73% | &nbsp;&nbsp; 8.89% | &nbsp;&nbsp; 0.02% | &nbsp;&nbsp; 2.36% |
| Equity - US Large Cap <br> Value<br>| Putnam Variable Trust<br> **Putnam VT Large Cap Value Fund**<br> **Class IB**<sup>1</sup> <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 - Global <br> Emerging Markets<br>| Franklin Templeton Variable Insurance <br> Products Trust<br> **Templeton Emerging Markets VIP Fund**<sup>14</sup> <br>**Class 2**<sup>12</sup> <br>| Templeton Asset Management <br> Ltd. / Franklin Templeton <br> Investment Management <br> Limited<br>| 1.37% | 46.27% | &nbsp;&nbsp; 5.46% | 10.40% |
| Equity - Global Large <br> Cap<br>| Franklin Templeton Variable Insurance <br> Products Trust<br> **Templeton Foreign VIP Fund**<br> **Class 2**<sup>12</sup> <br>| Templeton Investment <br> Counsel, LLC<br>| 1.08%<sup>2</sup> <br>| 29.19% | &nbsp;&nbsp; 8.25% | &nbsp;&nbsp; 5.75% |
| Fixed Income - Global | Franklin Templeton Variable Insurance <br> Products Trust<br> **Templeton Global Bond VIP Fund**<br> **Class 4**<sup>1</sup> <br>| Franklin Advisers, Inc. | 0.85%<sup>2</sup> <br>| 15.56% | -1.05% | -0.25% |
| 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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Not available for investment if you purchased your Contract through a Bank of America representative between April 25, 2005 and April 30, 2007.

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.

Only available for investment if you purchased your Contract before October 20, 2008.

Only available for investment if you purchased your Contract through a Bank of America representative before April 22, 2007.

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Prior to May 1, 2026, the name of this fund was Columbia Variable Portfolio - Large Cap Growth Fund.

Only available for investment if you purchased your Contract before March 5, 2007.

Only available for investment if you purchased your Contract through a Bank of America representative.

Prior to May 1, 2026, the name of this fund was Columbia Variable Portfolio - Small Cap Value Fund.

Only available for investment if you purchased your Contract before February 17, 2009.

Only available for investment if you purchased your Contract before February 2, 2004.

Prior to April 30, 2026, the name of this fund was MFS<sup>®</sup> International Intrinsic Value Portfolio.

Only available for investment if you purchased your Contract before March 10, 2008.

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 Templeton Developing Markets VIP Fund.

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

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

The Guarantee Periods currently available under the DCA program are:

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| | | |
|:---|:---|:---|
| **Name** | **Term** | **Minimum Guaranteed Interest Rate** |
| Dollar-Cost Averaging | 6 Months | 3% |
| Dollar-Cost Averaging | 12 Months | 3% |

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

If you own any of the optional living benefit riders, your Contract is subject to investment restrictions that limit the investment options that are available to you. ***If you violate the investment restrictions applicable to your benefit, your living benefit will terminate automatically.***

***Investment Restrictions***

For Contracts participating in SIR with a 7% bonus, the only Funds, dollar-cost averaging program options, and asset allocation models that currently qualify as Designated Funds are as follows:

**<u>Asset Allocation Models</u>**

Build Your Own Portfolio

Blended Model

**<u>Dollar-Cost Averaging Program Options</u>**

6-Month DCA Guarantee Option12-Month DCA Guarantee Option

**Funds**

AB Dynamic Asset Allocation Portfolio, Class B

MFS<sup>®</sup> Conservative Allocation Portfolio, Service Class

MFS<sup>®</sup> Global Tactical Allocation Portfolio, Service Class

MFS<sup>®</sup> Moderate Allocation Portfolio, Service Class

PIMCO All Asset Portfolio, Administrative Class

PIMCO Global Managed Asset Allocation Portfolio, Advisor Class

For all other Contracts participating in a living benefit including SIR with a 6% bonus, the only Funds, dollar-cost averaging programs, and asset allocation models that are deemed to be Designated Funds are:

**<u>Asset Allocation Models</u>**

90/10 Masters Model<sup>1, 2</sup>

80/20 Masters Model<sup>2,3</sup>

Build Your Own Portfolio

Blended Model<sup>2</sup>

**<u>Dollar-Cost Averaging Program Options</u>**

6-Month DCA Guarantee Option

12-Month DCA Guarantee Option

**Funds**

AB Balanced Hedged Allocation Fund, Class B<sup>2</sup>

AB Dynamic Asset Allocation Portfolio, Class B<sup>2</sup>

BlackRock Global Allocation V.I. Fund, Class III<sup>2</sup>

Fidelity<sup>®</sup> Balanced Portfolio, Service Class 2

(of Variable Insurance Products Fund III)

**Funds (continued)**

Fidelity<sup>®</sup> Freedom 2015 Portfolio, Service Class 2 (of Variable Insurance Products Fund IV)

Fidelity<sup>®</sup> Freedom 2020 Portfolio, Service Class 2(of Variable Insurance Products Fund IV)

Invesco V.I. Equity and Income Fund, Series II<sup>2</sup>

MFS<sup>®</sup> Conservative Allocation Portfolio, Service Class<sup>2</sup>

MFS<sup>®</sup> Global Tactical Allocation Portfolio, Service Class

MFS<sup>®</sup> Growth Allocation Portfolio, Service Class<sup>2</sup>

MFS<sup>®</sup> Moderate Allocation Portfolio, Service Class<sup>2</sup>

MFS<sup>®</sup> Total Return Series, Service Class

PIMCO All Asset Portfolio, Administrative Class

PIMCO Global Managed Asset Allocation Portfolio, Advisor Class<sup>2</sup>

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<sup>1</sup>

Not available to Contracts purchased on or after February 17, 2009.

<sup>2</sup>

Not available if you purchased your Contract through a Bank of America representative between April 25, 2005 and April 20, 2007.

<sup>3</sup>

Not available to Contracts purchased on or after August 17, 2009.

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**Build Your Own Portfolio** - If you comply with this model, the portfolio you build will satisfy the Designated Funds requirement under certain optional living benefits. If you do not comply with the allocation percentage limits in effect under your Contract, your selection of the Build Your Own Portfolio model will not qualify as a Designated Fund and your participation in the living benefit will be cancelled. **For Contracts with the Income Riser with 7% bonus, the following is the Build Your Own Portfolio model that applies to your Contract.** 

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **30% to 50%** | **40% to 60%** | **10% to 30%** | **0% to 20%** | **0% to 20%** | **0% to 10%** |
| MFS<sup>®</sup> Total Return <br> Bond Series<br>| AB Dynamic Asset <br> Allocation Portfolio<br>| AB Balanced Hedged <br> Allocation Portfolio<br>| Lord Abbett Series <br> Fund, Inc. - <br> Fundamental Equity <br> Portfolio<br>| Franklin Small Cap <br> Value VIP Fund<br>| Franklin Strategic <br> Income VIP Fund<br>|
| MFS<sup>®</sup> Government <br> Securities Portfolio<br>| PIMCO Global <br> Managed Asset <br> Allocation Portfolio<br>| Fidelity<sup>®</sup> Balanced <br> Portfolio (of Variable <br> Insurance Products <br> Fund III)<br>| MFS<sup>®</sup> Value Series | MFS<sup>®</sup> Blended <br> Research Small Cap <br> Equity Portfolio<br>| PIMCO Emerging <br> Markets Bond Portfolio<br>|
| MFS<sup>®</sup> Corporate Bond <br> Portfolio<br>| MFS<sup>®</sup> Global Tactical <br> Allocation Portfolio<br>| Franklin Income VIP <br> Fund<br>| Invesco V.I. Comstock <br> Fund<br>| Invesco V.I. Discovery <br> Large Cap Fund Fund<br>| MFS<sup>®</sup> Global Real <br> Estate Portfolio<br>|
| MFS<sup>®</sup> U.S. Government <br> Money Market Portfolio<br>| MFS<sup>®</sup> Moderate <br> Allocation Portfolio<br>| MFS<sup>®</sup> Total Return <br> Series<br>| Franklin Mutual Shares <br> VIP Fund<br>| Lord Abbett Series <br> Fund, Inc. - Growth <br> Opportunities Portfolio<br>| PIMCO <br> CommodityRealReturn<sup>®</sup> <br> Strategy Portfolio<br>|
| MFS<sup>®</sup> Limited Maturity <br> Portfolio<br>| MFS<sup>®</sup> Conservative <br> Allocation Portfolio<br>| Invesco V.I. Equity and <br> Income Fund<br>| MFS<sup>®</sup> Utilities Series | MFS<sup>®</sup> International <br> Intrinsic Equity <br> Portfolio<br>| MFS<sup>®</sup> Emerging <br> Markets Equity <br> Portfolio<br>|
| MFS<sup>®</sup> Inflation- <br> Adjusted Bond <br> Portfolio<br>| PIMCO All Asset <br> Portfolio<br>| Fidelity<sup>®</sup> Freedom 2015 <br> Portfolio (of Variable <br> Insurance Products <br> Fund IV)<br>| MFS<sup>®</sup> Core Equity <br> Portfolio<br>| MFS<sup>®</sup> Research <br> International Portfolio<br>| MFS<sup>®</sup> High Yield <br> Portfolio<br>|
| LVIP JPMorgan Core <br> Bond Portfolio<br>|  | Fidelity<sup>®</sup> Freedom 2020 <br> Portfolio (of Variable <br> Insurance Products <br> Fund IV)<br>| MFS<sup>®</sup> Research Series | Templeton Growth VIP <br> Fund<br>| Lazard Retirement <br> Emerging Markets <br> Equity Portfolio<br>|
|  |  | MFS<sup>®</sup> Growth <br> Allocation Portfolio<br>| MFS<sup>®</sup> Mid Cap Value <br> Portfolio<br>| First Eagle Overseas <br> Variable Fund<br>| Templeton Global Bond <br> VIP Fund<br>|
|  |  | BlackRock Global <br> Allocation V.I. Fund<br>| LVIP JPMorgan <br> U.S. Equity Portfolio<br>| Invesco V.I. Global <br> Fund<br>|  |
|  |  |  | Putnam VT Large Cap <br> Value Fund<br>| Columbia Variable <br> Portfolio - Overseas <br> Core Fund<br>|  |
|  |  |  |  | Fidelity<sup>®</sup> Mid Cap <br> Portfolio (of Variable <br> Insurance Products <br> Fund III)<br>|  |
|  |  |  |  | MFS<sup>®</sup> International <br> Growth Portfolio<br>|  |
|  |  |  |  | MFS<sup>®</sup> Growth Series |  |
|  |  |  |  | CTIVP<sup>®</sup> - Principal <br> Blue Chip Growth Fund<br>|  |
|  |  |  |  | Columbia Variable <br> Portfolio - Cornerstone <br> Growth Fund<br>|  |
|  |  |  |  | MFS<sup>®</sup> Mid Cap Growth <br> Series<br>|  |
|  |  |  |  | Morgan Stanley <br> Variable Insurance <br> Fund, Inc. Discovery <br> Portfolio<br>|  |
|  |  |  |  | Invesco V.I. American <br> Value Fund<br>|  |
|  |  |  |  | Fidelity<sup>®</sup> Contrafund<sup>®</sup> <br> Portfolio (of Variable <br> Insurance Products <br> Fund II)<br>|  |

---

------

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| | | | | |
|:---|:---|:---|:---|:---|
| **30% to 50%** | **40% to 60%** | **10% to 30%** | **0% to 20%** | **0% to 10%** |
|  |  |  | MFS<sup>®</sup> New Discovery <br> Value Portfolio<br>|  |
|  |  |  | MFS<sup>®</sup> New Discovery <br> Series<br>|  |
|  |  |  | AB Discovery Value <br> Portfolio<br>|  |
|  |  |  | Invesco V.I. EQV <br> International Equity <br> Fund<br>|  |
|  |  |  | PIMCO StocksPLUS<sup>®</sup> <br> Global Portfolio<br>|  |
|  |  |  | Morgan Stanley <br> Variable Insurance <br> Fund, Inc. Growth <br> Portfolio<br>|  |

---

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**For all Contracts purchased on or after August 17, 2009 and before February 8, 2010, including Contracts with SIR with a 6% bonus, the following is the Build Your Own Portfolio model that applies to your Contract.** If you do not comply with the allocation percentage limits in effect under your Contract, your selection of the Build Your Own Portfolio model will not qualify as a Designated Fund and your participation in the living benefit will be cancelled.

---

| | | | | |
|:---|:---|:---|:---|:---|
| **30% to 80%** | **20% to 70%** | **0% to 50%** | **0% to 30%** | **0% to 10%** |
| MFS<sup>®</sup> Total Return Bond <br> Series<br>| AB Balanced Hedged <br> Allocation Portfolio<br>| Lord Abbett Series Fund, <br> Inc. - Fundamental Equity <br> Portfolio<br>| Franklin Small Cap Value <br> VIP Fund<br>| Franklin Strategic Income <br> VIP Fund<br>|
| MFS<sup>®</sup> Government <br> Securities Portfolio<br>| Fidelity<sup>®</sup> Balanced Portfolio <br> (of Variable Insurance <br> Products Fund III)<br>| MFS<sup>®</sup> Value Series | MFS<sup>®</sup> Blended Research <br> Small Cap Equity Portfolio<br>| PIMCO Emerging Markets <br> Bond Portfolio<br>|
| MFS<sup>®</sup> Corporate Bond <br> Portfolio<br>| Franklin Income VIP Fund | Invesco V.I. Comstock Fund | Invesco V.I. Discovery Large <br> Cap Fund Fund<br>| MFS<sup>®</sup> Global Real Estate <br> Portfolio<br>|
| MFS<sup>®</sup> U.S. Government <br> Money Market Portfolio<br>| MFS<sup>®</sup> Total Return Series | Franklin Mutual Shares VIP <br> Fund<br>| Lord Abbett Series Fund, <br> Inc. - Growth Opportunities <br> Portfolio<br>| PIMCO Commodity <br> RealReturn<sup>®</sup> Strategy <br> Portfolio<br>|
| MFS<sup>®</sup> Limited Maturity <br> Portfolio<br>| Invesco V.I. Equity and <br> Income Fund<br>| MFS<sup>®</sup> Utilities Series | MFS<sup>®</sup> International Intrinsic <br> Equity Portfolio<br>| MFS<sup>®</sup> Emerging Markets <br> Equity Portfolio<br>|
| MFS<sup>®</sup> Inflation-Adjusted <br> Bond Portfolio<br>| Fidelity<sup>®</sup> Freedom 2015 <br> Portfolio (of Variable <br> Insurance Products Fund IV)<br>| MFS<sup>®</sup> Core Equity Portfolio | MFS<sup>®</sup> Research <br> International Portfolio<br>| MFS<sup>®</sup> High Yield Portfolio |
| LVIP JPMorgan Core Bond <br> Portfolio<br>| Fidelity<sup>®</sup> Freedom 2020 <br> Portfolio (of Variable <br> Insurance Products Fund IV)<br>| MFS<sup>®</sup> Research Series | Templeton Growth VIP Fund | Lazard Retirement Emerging <br> Markets Equity Portfolio<br>|
|  | MFS<sup>®</sup> Moderate Allocation <br> Portfolio<br>| MFS<sup>®</sup> Mid Cap Value <br> Portfolio<br>| First Eagle Overseas Variable <br> Fund<br>| PIMCO All Asset Portfolio |
|  | MFS<sup>®</sup> Conservative <br> Allocation Portfolio<br>| LVIP JPMorgan U.S. Equity <br> Portfolio<br>| Invesco V.I. Global Fund | Templeton Global Bond VIP <br> Fund<br>|
|  | MFS<sup>®</sup> Growth Allocation <br> Portfolio<br>| Putnam VT Large Cap Value <br> Fund<br>| Columbia Variable Portfolio <br> - Overseas Core Fund<br>|  |
|  | BlackRock Global <br> Allocation V.I. Fund<br>|  | Fidelity<sup>®</sup> Mid Cap Portfolio <br> (of Variable Insurance <br> Products Fund III)<br>|  |
|  | PIMCO Global Managed <br> Asset Allocation Portfolio<br>|  | MFS<sup>®</sup> International Growth <br> Portfolio<br>|  |
|  | MFS<sup>®</sup> Global Tactical <br> Allocation Portfolio<br>|  | MFS<sup>®</sup> Growth Series |  |
|  | AB Dynamic Asset <br> Allocation Portfolio<br>|  | CTIVP<sup>®</sup> - Principal Blue <br> Chip Growth Fund<br>|  |
|  |  |  | Columbia Variable Portfolio <br> - Cornerstone Growth Fund<br>|  |
|  |  |  | MFS<sup>®</sup> Mid Cap Growth <br> Series<br>|  |
|  |  |  | Morgan Stanley Variable <br> Insurance Fund, Inc. <br> Discovery Portfolio<br>|  |
|  |  |  | Invesco V.I. American Value <br> Fund<br>|  |
|  |  |  | Fidelity<sup>®</sup> Contrafund<sup>®</sup> <br> Portfolio (of Variable <br> Insurance Products Fund II)<br>|  |
|  |  |  | MFS<sup>®</sup> New Discovery Value <br> Portfolio<br>|  |
|  |  |  | MFS<sup>®</sup> New Discovery Series |  |
|  |  |  | AB Discovery Value <br> Portfolio<br>|  |
|  |  |  | Invesco V.I. EQV <br> International Equity Fund<br>|  |

---

------

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| | | | | |
|:---|:---|:---|:---|:---|
| **30% to 80%** | **20% to 70%** | **0% to 50%** | **0% to 30%** | **0% to 10%** |
|  |  |  | PIMCO StocksPLUS<sup>®</sup> <br> Global Portfolio<br>|  |
|  |  |  | Morgan Stanley Variable <br> Insurance Fund, Inc. Growth <br> Portfolio<br>|  |

---

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**For Contracts purchased after February 16, 2009, and prior to August 17, 2009, the following is the Build Your Own Portfolio model that applies to your Contract.** If you do not comply with the allocation percentage limits in effect under your Contract, your selection of the Build Your Own Portfolio model will not qualify as a Designated Fund and your participation in the living benefit will be cancelled.

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| | | | | |
|:---|:---|:---|:---|:---|
| **30% to 80%** | **0% to 70%** | **0% to 70%** | **0% to 30%** | **0% to 10%** |
| MFS<sup>®</sup> Total Return Bond <br> Series<br>| AB Balanced Hedged <br> Allocation Portfolio<br>| Lord Abbett Series Fund, <br> Inc. - Fundamental Equity <br> Portfolio<br>| Franklin Small Cap Value <br> VIP Fund<br>| Franklin Strategic Income <br> VIP Fund<br>|
| MFS<sup>®</sup> Government <br> Securities Portfolio<br>| Fidelity<sup>®</sup> Balanced Portfolio <br> (of Variable Insurance <br> Products Fund III)<br>| MFS<sup>®</sup> Value Series | MFS<sup>®</sup> Blended Research <br> Small Cap Equity Portfolio<br>| PIMCO Emerging Markets <br> Bond Portfolio<br>|
| MFS<sup>®</sup> Corporate Bond <br> Portfolio<br>| Franklin Income VIP Fund | Invesco V.I. Comstock Fund | Invesco V.I. Discovery Large <br> Cap Fund Fund<br>| MFS<sup>®</sup> Global Real Estate <br> Portfolio<br>|
| MFS<sup>®</sup> U.S. Government <br> Money Market Portfolio<br>| MFS<sup>®</sup> Total Return Series | Franklin Mutual Shares VIP <br> Fund<br>| Lord Abbett Series Fund, <br> Inc. - Growth Opportunities <br> Portfolio<br>| PIMCO Commodity <br> RealReturn<sup>®</sup> Strategy <br> Portfolio<br>|
| MFS<sup>®</sup> Limited Maturity <br> Portfolio<br>| Invesco V.I. Equity and <br> Income Fund<br>| MFS<sup>®</sup> Utilities Series | MFS<sup>®</sup> International Intrinsic <br> Equity Portfolio<br>| MFS<sup>®</sup> Emerging Markets <br> Equity Portfolio<br>|
| MFS<sup>®</sup> Inflation-Adjusted <br> Bond Portfolio<br>| Fidelity<sup>®</sup> Freedom 2015 <br> Portfolio (of Variable <br> Insurance Products Fund IV)<br>| MFS<sup>®</sup> Core Equity Portfolio | MFS<sup>®</sup> Research <br> International Portfolio<br>| MFS<sup>®</sup> High Yield Portfolio |
| LVIP JPMorgan Core Bond <br> Portfolio<br>| Fidelity<sup>®</sup> Freedom 2020 <br> Portfolio (of Variable <br> Insurance Products Fund IV)<br>| MFS<sup>®</sup> Research Series | Templeton Growth VIP Fund | Lazard Retirement Emerging <br> Markets Equity Portfolio<br>|
|  | MFS<sup>®</sup> Moderate Allocation <br> Portfolio<br>| MFS<sup>®</sup> Mid Cap Value <br> Portfolio<br>| First Eagle Overseas Variable <br> Fund<br>| PIMCO All Asset Portfolio |
|  | MFS<sup>®</sup> Conservative <br> Allocation Portfolio<br>| LVIP JPMorgan U.S. Equity <br> Portfolio<br>| Invesco V.I. Global Fund | Templeton Global Bond VIP <br> Fund<br>|
|  | MFS<sup>®</sup> Growth Allocation <br> Portfolio<br>| Putnam VT Large Cap Value <br> Fund<br>| Columbia Variable Portfolio <br> - Overseas Core Fund<br>|  |
|  | BlackRock Global <br> Allocation V.I. Fund<br>|  | Fidelity<sup>®</sup> Mid Cap Portfolio <br> (of Variable Insurance <br> Products Fund III)<br>|  |
|  | PIMCO Global Managed <br> Asset Allocation Portfolio<br>|  | MFS<sup>®</sup> International Growth <br> Portfolio<br>|  |
|  | MFS<sup>®</sup> Global Tactical <br> Allocation Portfolio<br>|  | MFS<sup>®</sup> Growth Series |  |
|  | AB Dynamic Asset <br> Allocation Portfolio<br>|  | CTIVP<sup>®</sup> - Principal Blue <br> Chip Growth Fund<br>|  |
|  |  |  | Columbia Variable Portfolio <br> - Cornerstone Growth Fund<br>|  |
|  |  |  | MFS<sup>®</sup> Mid Cap Growth <br> Series<br>|  |
|  |  |  | Morgan Stanley Variable <br> Insurance Fund, Inc. <br> Discovery Portfolio<br>|  |
|  |  |  | Invesco V.I. American Value <br> Fund<br>|  |
|  |  |  | Fidelity<sup>®</sup> Contrafund<sup>®</sup> <br> Portfolio (of Variable <br> Insurance Products Fund II)<br>|  |
|  |  |  | MFS<sup>®</sup> New Discovery Value <br> Portfolio<br>|  |
|  |  |  | MFS<sup>®</sup> New Discovery Series |  |
|  |  |  | AB Discovery Value <br> Portfolio<br>|  |
|  |  |  | Invesco V.I. EQV <br> International Equity Fund<br>|  |

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| | | | |
|:---|:---|:---|:---|
| **30% to 80%** | **0% to 70%** | **0% to 30%** | **0% to 10%** |
|  |  | PIMCO StocksPLUS<sup>®</sup> <br> Global Portfolio<br>|  |
|  |  | Morgan Stanley Variable <br> Insurance Fund, Inc. Growth <br> Portfolio<br>|  |

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**For Contracts purchased prior to February 17, 2009, the following is the Build Your Own Portfolio model that applies to your Contract.** If you do not comply with the allocation percentage limits in effect under your Contract, your selection of the Build Your Own Portfolio model will not qualify as a Designated Fund and your participation in the living benefit will be cancelled.

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| | | | | |
|:---|:---|:---|:---|:---|
| **25% to 80%** | **0% to 75%** | **0% to 75%** | **0% to 30%** | **0% to 10%** |
| PIMCO Total Return <br> Portfolio<sup>6</sup> <br>| AB Balanced Hedged <br> Allocation Portfolio<sup>7</sup> <br>| Lord Abbett Series Fund, <br> Inc. - Fundamental Equity <br> Portfolio<br>| Franklin Small Cap Value <br> VIP Fund<br>| Franklin Strategic Income <br> VIP Fund<br>|
| MFS<sup>®</sup> Total Return Bond <br> Series<sup>7</sup> <br>| Fidelity<sup>®</sup> Balanced Portfolio <br> (of Variable Insurance <br> Products Fund III)<br>| MFS<sup>®</sup> Value Series | MFS<sup>®</sup> Blended Research <br> Small Cap Equity Portfolio<br>| MFS<sup>®</sup> High Yield Portfolio<sup>7</sup> <br>|
| MFS<sup>®</sup> Government <br> Securities Portfolio<br>| Franklin Income VIP Fund | Invesco V.I. Comstock Fund | Invesco V.I. Discovery Large <br> Cap Fund Fund<br>| PIMCO Emerging Markets <br> Bond Portfolio<br>|
| MFS<sup>®</sup> Corporate Bond <br> Portfolio<br>| Franklin Allocation VIP <br> Fund<sup>7</sup> <br>| Franklin Mutual Shares VIP <br> Fund<br>| Lord Abbett Series Fund, <br> Inc. - Growth Opportunities <br> Portfolio<br>| MFS<sup>®</sup> Global Real Estate <br> Portfolio<br>|
| PIMCO Real Return <br> Portfolio<sup>6</sup> <br>| MFS<sup>®</sup> Total Return Series | MFS<sup>®</sup> Utilities Series | Invesco V.I. Main Street <br> Small Cap Fund<sup>®2</sup> <br>| PIMCO Commodity <br> RealReturn<sup>®</sup> Strategy <br> Portfolio<br>|
| MFS<sup>®</sup> U.S. Government <br> Money Market Portfolio<br>| Invesco V.I. Equity and <br> Income Fund<br>| MFS<sup>®</sup> Blended Research<sup>®</sup> <br> Core Equity Portfolio<sup>2</sup> <br>| MFS<sup>®</sup> New Discovery Series | Templeton Developing <br> Markets VIP Fund<sup>5</sup> <br>|
| MFS<sup>®</sup> Limited Maturity <br> Portfolio<sup>7</sup> <br>| Fidelity<sup>®</sup> Freedom 2010 <br> Portfolio (of Variable <br> Insurance Products Fund <br> IV)<sup>6</sup> <br>| MFS<sup>®</sup> Global Research <br> Portfolio<sup>2</sup> <br>| MFS<sup>®</sup> Mass Investors <br> Growth Stock Portfolio<sup>2</sup> <br>| MFS<sup>®</sup> Emerging Markets <br> Equity Portfolio<br>|
| MFS<sup>®</sup> Inflation-Adjusted <br> Bond Portfolio<sup>7</sup> <br>| Fidelity<sup>®</sup> Freedom 2015 <br> Portfolio (of Variable <br> Insurance Products Fund IV)<br>| MFS<sup>®</sup> Core Equity Portfolio | MFS<sup>®</sup> International Intrinsic <br> EquityPortfolio<br>| MFS<sup>®</sup> Income Portfolio<sup>1</sup> <br>|
| LVIP JPMorgan Core Bond <br> Portfolio<sup>7</sup> <br>| Fidelity<sup>®</sup> Freedom 2020 <br> Portfolio (of Variable <br> Insurance Products Fund IV)<br>| MFS<sup>®</sup> Research Series | Templeton Foreign VIP <br> Fund<sup>5</sup> <br>| Lazard Retirement Emerging <br> Markets Equity Portfolio<sup>7</sup> <br>|
|  | MFS<sup>®</sup> Moderate Allocation <br> Portfolio<sup>7</sup> <br>| Invesco V.I. Main St.Fund<sup>®6</sup> <br>| MFS<sup>®</sup> Research <br> International Portfolio<br>| PIMCO All Asset Portfolio |
|  | MFS<sup>®</sup> Conservative <br> Allocation Portfolio<sup>7</sup> <br>| MFS<sup>®</sup> Mid Cap Value <br> Portfolio<sup>7</sup> <br>| Templeton Growth VIP Fund | Templeton Global Bond VIP <br> Fund<sup>7</sup> <br>|
|  | MFS<sup>®</sup> Growth Allocation <br> Portfolio<sup>7</sup> <br>| LVIP JPMorgan U.S. Equity <br> Portfolio<sup>7</sup> <br>| First Eagle Overseas Variable <br> Fund<br>|  |
|  | BlackRock Global <br> Allocation V.I. Fund<sup>7</sup> <br>| Putnam VT Large Cap Value <br> Fund<sup>7</sup> <br>| Invesco V.I. Global Fund |  |
|  | PIMCO Global Managed <br> Asset Allocation Portfolio<sup>7</sup> <br>|  | Columbia Variable Portfolio <br> - Overseas Core Fund<br>|  |
|  | MFS<sup>®</sup> Global Tactical <br> Allocation Portfolio<sup>7</sup> <br>|  | Fidelity<sup>®</sup> Mid Cap Portfolio <br> (of Variable Insurance <br> Products Fund III)<br>|  |
|  | AB Dynamic Asset <br> Allocation Portfolio<sup>7</sup> <br>|  | Wanger Acorn<sup>3</sup> <br>|  |
|  |  |  | Columbia Variable Portfolio <br> - Small Cap Value <br> DiscoveryFund <sup>3</sup> <br>|  |
|  |  |  | MFS<sup>®</sup> International Growth <br> Portfolio<br>|  |
|  |  |  | MFS<sup>®</sup> Growth Series |  |

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| | | | |
|:---|:---|:---|:---|
| **25% to 80%** | **0% to 75%** | **0% to 30%** | **0% to 10%** |
|  |  | CTIVP<sup>®</sup> - Principal Blue <br> Chip Growth Fund<sup>4</sup> <br>|  |
|  |  | Columbia Variable Portfolio <br> - Cornerstone Growth Fund<sup>4</sup> <br>|  |
|  |  | MFS<sup>®</sup> Global Growth <br> Portfolio<sup>1</sup> <br>|  |
|  |  | MFS<sup>®</sup> Mid Cap Growth <br> Series<sup>7</sup> <br>|  |
|  |  | Morgan Stanley Variable <br> Insurance Fund, Inc. <br> Discovery<br>|  |
|  |  | Invesco V.I. American Value <br> Fund<sup>7</sup> <br>|  |
|  |  | AB International Value <br> Portfolio<sup>6, 7</sup> <br>|  |
|  |  | Fidelity<sup>®</sup> Contrafund<sup>®</sup> <br> Portfolio (of Variable <br> Insurance Products Fund II)<sup>7</sup> <br>|  |
|  |  | MFS<sup>®</sup> New Discovery Value <br> Portfolio<sup>7</sup> <br>|  |
|  |  | AB Discovery Value <br> Portfolio<sup>7</sup> <br>|  |
|  |  | Invesco V.I. EQV <br> International Equity Fund<sup>7</sup> <br>|  |
|  |  | PIMCO StocksPLUS<sup>®</sup> <br> Global Portfolio<sup>7</sup> <br>|  |
|  |  | Morgan Stanley Variable <br> Insurance Fund, Inc. Growth <br> Portfolio<sup>7</sup> <br>|  |

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<sup>1</sup>

Only available if you purchased your Contract before February 2, 2004.

<sup>2</sup>

Only available if you purchased your Contract before March 5, 2007.

<sup>3</sup>

Only available if you purchased your Contract through a Bank of America representative before April 22, 2007.

<sup>4</sup>

Only B Class shares available if you purchased your Contract on or after March 5, 2007. Only A Class shares available if you purchased your Contract through a Bank of America representative before March 5, 2007.

<sup>5</sup>

Only available if you purchased your Contract before March 10, 2008.

<sup>6</sup>

Only available if you purchased your Contract before October 20, 2008.

<sup>7</sup>

Not available for investment if you purchased your Contract through a Bank of America representative between April 25, 2005 and April 20, 2007.

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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/866792773?site=Annuity.

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

EDGAR Contract Identifier No.: C000021926

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