# EDGAR Filing Document

**Accession Number:** 0000853285
**File Stem:** 0001193125-26-290730
**Filing Date:** 2026-6
**Character Count:** 37451
**Document Hash:** e292b1224a31baabacc134436de1749a
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-290730.hdr.sgml**: 20260630

**ACCESSION NUMBER**: 0001193125-26-290730

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260630

**DATE AS OF CHANGE**: 20260630

**EFFECTIVENESS DATE**: 20260630

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** DELAWARE LIFE VARIABLE ACCOUNT 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:** 333-225901
- **FILM NUMBER:** 261141262

**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   |
|:---|:---|:---|
| C000204561 | Masters Prime |  |

**UPDATING SUMMARY PROSPECTUS** <br>**DELAWARE LIFE MASTERS PRIME**<sup>®</sup> **VARIABLE ANNUITY**

**Issued By**

**DELAWARE LIFE INSURANCE COMPANY**

June 30, 2026

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

This Updating Summary Prospectus summarizes key features of the Contract. This Updating Summary Prospectus 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.

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

Audited financial statements for the Company for the year ended December 31, 2025 are now available to you online at https://dfinview.com/delawarelife/TAHD/246115166?site=Annuity. Copies are also available to you upon request, without charge, by calling (800) 477-6545 or by sending an email request to customer.relations@delawarelife.com. As a reminder, the Company's 2025 audited financial statements were delayed due to a review of the Company's affiliate and related-party transactions, which has been completed. The review identified errors relating to the identification and presentation of certain related-party investments and, to correct the errors, the Company has restated certain 2024 disclosures in the Notes to the 2025 audited financial statements. Other than the corrected Notes disclosures, there has been no restatement of the 2024 information set forth in the 2025 financial statements. Please see the Company's 2025 audited financial statements for additional information.

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

Audited financial statements for the Variable Account for the year ended December 31, 2025 are available to you online at https://dfinview.com/delawarelife/TAHD/246115166?site=Annuity. Additional copies may be obtained upon request, without charge, by calling (800) 477-6545 or by sending an email request to customer.relations@delawarelife.com.

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

The prospectus for the Contract 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 current prospectus and other information about the Contract online at https://dfinview.com/Delawarelife/TAHD/246115166?site=Annuity. You can also obtain this information at no cost at https://dfinreports.com/delawarelife, by calling (800) 477-6545, or by sending an email request to customer.relations@delawarelife.com. **The Contract is no longer available for sale.**

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

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

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**Table of Contents** 

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| | |
|:---|:---|
| [SPECIAL TERMS](#xx_35c2e921-51d2-4e33-be31-b42887d11049_1) | 3 |
| [UPDATED INFORMATION ABOUT THE CONTRACT](#xx_948b68ce-2230-4686-997a-5e3a1833dcdd_1) | 5 |
| [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#xx_92d51857-639d-4576-b461-155c8ae21df2_1) | 6 |
| [APPENDIX A - INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT](#xx_b0fad725-a9a3-4425-a412-a38bfb233d61_1) | 10 |
| [APPENDIX B - LIST OF DESIGNATED FUNDS AND OTHER INVESTMENT RESTRICTIONS](#xx_83d113d5-7ac6-4b18-87bd-f11965632b4a_1) | 14 |

---

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**SPECIAL TERMS**

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

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

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

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

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

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

**DOLLAR-COST AVERAGING (or "DCA") Program:** You may elect to participate in the DCA Program, at no extra charge, by allocating a Purchase Payment to the Fixed Account prior to your Annuity Income Date. The 6 and 12-month DCA Program automatically transfers a fractional amount of your Purchase Payment, plus accrued interest, from the Fixed Account to your selected Subaccounts each month.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**VARIABLE OPTION:** An Investment Option that is a Subaccount of the Variable Account. The value of amounts allocated to a Variable Option will vary according to the investment experience of a Fund.

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

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

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

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**UPDATED INFORMATION ABOUT THE CONTRACT**

The information in this Updating Summary Prospectus 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.

**Changes Affecting the Funds**

*Subadviser*

For Western Asset Core Plus VIT Portfolio, effective June 30, 2026, Western Asset Management Company, Ltd no longer serves as a subadviser.

*Subclassification and Other Changes*

For the Goldman Sachs U.S. Equity Insights Fund, effective June 12, 2026, the Fund's subclassification under the Investment Company Act of 1940 has changed from "diversified" to "non-diversified" and related fundamental investment restrictions have been eliminated.

*Name Changes* 

---

| | |
|:---|:---|
| ***<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<sup>TM</sup> Fund  |
| Putnam VT Research Fund | Putnam VT U.S. Research Fund |

---

*Expenses and Performance Information*

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

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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 among Investment Options. Currently, we do not charge for <br> transfers. However, we reserve the right to charge $25 per transfer after the <br> first 12 transfers per Contract Year. There may be fees for wire transfers or <br> other expedited forms of payment of Contract proceeds. | &nbsp;&nbsp; **Fee Table -**<br> **Transaction**<br> **Expenses**<br> **Contract Charges**<br>|

---

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

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

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

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

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

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

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

**Variable Options**

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

Please note that there may be variations in Fund availability not included in this Appendix or otherwise described in this Prospectus. Variations may be imposed by some broker-dealers or other financial intermediaries without our knowledge, and given the number and size of the distribution partners through which the Contract is sold, the terms of our current agreements with our distribution partners and the limitations of their administrative systems to track such information, we cannot obtain information about such variations without unreasonable effort or expense. **You should discuss with your financial adviser any limitations, restrictions, or other variations related to the Funds available to you.**

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% |
| 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% |

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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 | BlackRock Variable Series Funds, Inc.<br> **BlackRock Global Allocation V.I. Fund**<br> **Class III**<br>| BlackRock Advisors, LLC /<br> BlackRock International <br> Limited, BlackRock <br> (Singapore) Limited<br>| 1.01%<sup>1</sup> <br>| 19.42% | &nbsp;&nbsp; 5.51% | &nbsp;&nbsp; 7.33% |
| Equity - US Mid Cap | Legg Mason Partners Variable Equity Trust<br> **ClearBridge Variable Mid Cap Portfolio**<br> **Class II**<br>| Franklin Templeton Fund <br> Advisor, LLC / ClearBridge <br> Investments, LLC<br>| 1.07% | &nbsp;&nbsp; 4.08% | &nbsp;&nbsp; 4.23% | &nbsp;&nbsp; 7.24% |
| Equity - US Large Cap <br> Value<br>| Columbia Funds Variable Series Trust II<br> **Columbia Variable Portfolio – Select** <br> **Large Cap Value Fund**<br> **Class 2**<br>| Columbia Management <br> Investment Advisers, LLC<br>| 0.94% | 27.97% | 13.32% | 12.30% |
| Allocation - Moderate | First Trust Variable Insurance Trust<br> **First Trust/Dow Jones Dividend & Income** <br> **Allocation Portfolio**<br> **Class I**<br>| First Trust Advisors L.P. | 1.18% | &nbsp;&nbsp; 5.30% | &nbsp;&nbsp; 3.98% | &nbsp;&nbsp; 6.68% |
| Equity - US Large Cap <br> Blend<br>| Goldman Sachs Variable Insurance Trust<br> **Goldman Sachs U.S. Equity Insights Fund**<br> **Service Shares**<br>| Goldman Sachs Asset <br> Management, L.P.<br>| 0.77%<sup>1</sup> <br>| 15.49% | 13.56% | 13.48% |
| Fixed Income - US | AIM Variable Insurance Funds (Invesco <br> Variable Insurance Funds)<br> **Invesco V.I. Core Plus Bond Fund**<br> **Series II**<br>| Invesco Advisers, Inc. | 0.87%<sup>1</sup> <br>| &nbsp;&nbsp; 6.96% | -0.36% | &nbsp;&nbsp; 2.73% |
| Allocation - Moderate | AIM Variable Insurance Funds (Invesco <br> Variable Insurance Funds)<br> **Invesco V.I. Equity and Income Fund**<br> **Series II**<br>| Invesco Advisers, Inc. | 0.82% | 12.52% | &nbsp;&nbsp; 8.68% | &nbsp;&nbsp; 8.64% |
| Allocation - Aggressive | Lazard Retirement Series, Inc.<br> **Lazard Retirement Global Dynamic** <br> **Multi-Asset Portfolio**<br> **Service Shares**<br>| Lazard Asset <br> Management LLC<br>| 1.05%<sup>1</sup> <br>| 15.72% | &nbsp;&nbsp; 5.19% | &nbsp;&nbsp; 5.93% |
| Fixed Income - US | Lord Abbett Series Fund, Inc.<br> **Bond Debenture Portfolio**<br> **Class VC**<br>| Lord, Abbett & Co. LLC | 0.98% | &nbsp;&nbsp; 8.33% | &nbsp;&nbsp; 2.10% | &nbsp;&nbsp; 4.72% |
| Equity - US Small Cap | MFS<sup>®</sup> Variable Insurance Trust III<br> **MFS**<sup>®</sup> **Blended Research**<sup>®</sup> **Small Cap** <br> **Equity Portfolio**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.83%<sup>1</sup> <br>| &nbsp;&nbsp; 5.49% | &nbsp;&nbsp; 6.62% | &nbsp;&nbsp; 8.82% |
| Allocation - Cautious | MFS<sup>®</sup> Variable Insurance Trust III<br> **MFS**<sup>®</sup> **Conservative Allocation Portfolio**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.95% | &nbsp;&nbsp; 9.72% | &nbsp;&nbsp; 2.83% | &nbsp;&nbsp; 5.43% |
| Equity - US Large Cap <br> Blend<br>| MFS<sup>®</sup> Variable Insurance Trust II<br> **MFS**<sup>®</sup> **Core Equity Portfolio**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 1.03%<sup>1</sup> <br>| 12.22% | 11.26% | 13.53% |
| Equity - Global Large <br> Cap<br>| MFS<sup>®</sup> Variable Insurance Trust II<br> **MFS**<sup>®</sup> **Global Growth Portfolio**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 1.13%<sup>1</sup> <br>| &nbsp;&nbsp; 7.43% | &nbsp;&nbsp; 6.50% | 11.48% |
| Equity - Real Estate <br> Sector<br>| MFS<sup>®</sup> Variable Insurance Trust III<br> **MFS**<sup>®</sup> **Global Real Estate Portfolio**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 1.15%<sup>1</sup> <br>| &nbsp;&nbsp; 3.30% | &nbsp;&nbsp; 1.08% | &nbsp;&nbsp; 4.76% |
| Allocation - Aggressive | MFS<sup>®</sup> Variable Insurance Trust III<br> **MFS**<sup>®</sup> **Growth Allocation Portfolio**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 1.05% | 11.87% | &nbsp;&nbsp; 5.93% | &nbsp;&nbsp; 8.95% |
| Equity - US Mid Cap | MFS<sup>®</sup> Variable Insurance Trust<br> **MFS**<sup>®</sup> **Mid Cap Growth Series**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 1.06%<sup>1</sup> <br>| &nbsp;&nbsp; 3.40% | &nbsp;&nbsp; 3.03% | 11.32% |
| Allocation - Moderate | MFS<sup>®</sup> Variable Insurance Trust III<br> **MFS**<sup>®</sup> **Moderate Allocation Portfolio**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.97% | 10.96% | &nbsp;&nbsp; 4.55% | &nbsp;&nbsp; 7.35% |

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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 | MFS<sup>®</sup> Variable Insurance Trust<br> **MFS**<sup>®</sup> **New Discovery Series**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 1.12%<sup>1</sup> <br>| 12.56% | -0.54% | 10.46% |
| Equity - US Small Cap | MFS<sup>®</sup> Variable Insurance Trust III<br> **MFS**<sup>®</sup> **New Discovery Value Portfolio**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 1.13%<sup>1</sup> <br>| &nbsp;&nbsp; 2.88% | &nbsp;&nbsp; 8.22% | 10.30% |
| Equity - Technology <br> Sector<br>| MFS<sup>®</sup> Variable Insurance Trust II<br> **MFS**<sup>®</sup> **Technology Portfolio**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 1.07%<sup>1</sup> <br>| 16.28% | 12.17% | 18.35% |
| Fixed Income - US | MFS<sup>®</sup> Variable Insurance Trust<br> **MFS**<sup>®</sup> **Total Return Bond Series**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.78%<sup>1</sup> <br>| &nbsp;&nbsp; 6.94% | -0.09% | &nbsp;&nbsp; 2.38% |
| Allocation - Moderate | MFS<sup>®</sup> Variable Insurance Trust<br> **MFS**<sup>®</sup> **Total Return Series**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.86%<sup>1</sup> <br>| 10.91% | &nbsp;&nbsp; 6.16% | &nbsp;&nbsp; 7.36% |
| US Money Market | MFS<sup>®</sup> Variable Insurance Trust II<br> **MFS**<sup>®</sup> **U.S. Government Money Market** <br> **Portfolio**<sup>3</sup> <br>**Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.45%<sup>1</sup> <br>| &nbsp;&nbsp; 3.85% | &nbsp;&nbsp; 2.87% | &nbsp;&nbsp; 1.77% |
| Equity - US Large Cap <br> Value<br>| MFS<sup>®</sup> Variable Insurance Trust<br> **MFS**<sup>®</sup> **Value Series**<br> **Service Class**<br>| Massachusetts Financial <br> Services Company<br>| 0.94%<sup>1</sup> <br>| 12.77% | &nbsp;&nbsp; 9.69% | &nbsp;&nbsp; 9.77% |
| Allocation - Moderate | Morgan Stanley Variable Insurance Fund, <br> Inc.<br> **Global Strategist Portfolio**<br> **Class II**<br>| Morgan Stanley Investment <br> Management, Inc. / Morgan <br> Stanley Investment <br> Management Limited<br>| 1.00%<sup>1</sup> <br>| 17.36% | &nbsp;&nbsp; 5.21% | &nbsp;&nbsp; 6.75% |
| Equity - US Large Cap <br> Growth<br>| Morgan Stanley Variable Insurance Fund, <br> Inc.<br> **Growth Portfolio**<br> **Class II**<br>| Morgan Stanley Investment <br> Management, Inc.<br>| 0.82%<sup>1</sup> <br>| 35.38% | &nbsp;&nbsp; 3.15% | 17.46% |
| Commodities Broad <br> Basket<br>| PIMCO Variable Insurance Trust<br> **PIMCO CommodityRealReturn**<sup>®</sup> <br> **Strategy Portfolio**<br> **Advisor Class**<br>| Pacific Investment <br> Management Company LLC<br>| 3.29%<sup>1</sup> <br>| 18.85% | 10.47% | &nbsp;&nbsp; 6.43% |
| Fixed Income - Global | PIMCO Variable Insurance Trust<br> **PIMCO International Bond Portfolio** <br> **(U.S. Dollar-Hedged)**<br> **Advisor Class**<br>| Pacific Investment <br> Management Company LLC<br>| 1.19% | &nbsp;&nbsp; 3.85% | &nbsp;&nbsp; 0.93% | &nbsp;&nbsp; 2.78% |
| Fixed Income - US | PIMCO Variable Insurance Trust<br> **PIMCO Total Return Portfolio**<br> **Advisor Class**<br>| Pacific Investment <br> Management Company LLC<br>| 0.83% | &nbsp;&nbsp; 8.78% | -0.08% | &nbsp;&nbsp; 2.26% |
| Allocation - Moderate | Putnam Variable Trust<br> **Putnam VT George Putnam Balanced** <br> **Fund**<br> **Class IB**<br>| Putnam Investment <br> Management, LLC / Franklin <br> Advisers, Inc, Franklin <br> Templeton Investment <br> Management Limited<br>| 0.88% | 13.95% | &nbsp;&nbsp; 8.85% | 10.17% |
| Allocation - Moderate | Putnam Variable Trust<br> **Putnam VT Global Asset Allocation Fund**<br> **Class IB**<br>| Franklin Advisers, Inc. / The <br> Putnam Advisory Company, <br> LLC, Putnam Investment <br> Management, LLC, Franklin <br> Templeton Investment <br> Management Limited<br>| 1.09%<sup>1</sup> <br>| 14.38% | &nbsp;&nbsp; 8.39% | &nbsp;&nbsp; 8.43% |
| Equity - Healthcare <br> Sector<br>| Putnam Variable Trust<br> **Putnam VT Global Health Care Fund**<br> **Class IB**<br>| Putnam Investment <br> Management, LLC / The <br> Putnam Advisory Company, <br> LLC, Franklin Advisers, Inc, <br> Franklin Templeton <br> Investment Management <br> Limited<br>| 1.00% | 15.05% | &nbsp;&nbsp; 7.71% | &nbsp;&nbsp; 8.36% |

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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 Large Cap <br> Blend<br>| Putnam Variable Trust<br> **Putnam VT U.S. Research Fund**<sup>4</sup> <br>**Class IB**<br>| Putnam Investment <br> Management, LLC / The <br> Putnam Advisory Company, <br> LLC, Franklin Advisers, Inc, <br> Franklin Templeton <br> Investment Management <br> Limited<br>| 0.93% | 17.88% | 14.52% | 15.07% |
| Fixed Income - US | Legg Mason Partners Variable Income Trust<br> **Western Asset Core Plus VIT Portfolio**<br> **Class II**<br>| Franklin Templeton Fund <br> Adviser, LLC / Western Asset <br> Management Company, LLC, <br> Western Asset Management <br> Company Limited, Western <br> Asset Management Company <br> Pte. Ltd. in Singapore<br>| 0.79%<sup>1</sup> <br>| &nbsp;&nbsp; 7.69% | -1.67% | &nbsp;&nbsp; 1.85% |

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

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

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

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

**Fixed Options**

The following is the list of the Fixed Options currently available under the Contract. We may change the features of the Fixed Options listed below, offer new Fixed Options, and cease offering an existing Fixed Option. We will provide you with written notice before doing so. In the prospectus, see the sections captioned "THE FIXED ACCOUNT" and "THE FIXED ACCOUNT: FIXED OPTIONS", the sub-section captioned "*Dollar-Cost Averaging*" under the "Other Programs" section in "THE ACCUMULATION PHASE" and the "Dollar-Cost Averaging" section of the table in "BENEFITS AVAILABLE UNDER THE CONTRACT" for more information.

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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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You can find out about our current Guaranteed Interest Rates by calling us at (800) 374-3714.

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

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

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

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

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

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

***Investment Restrictions***

*If you elected a GLWB, HAV Death Benefit, and/or ROP Death Benefit rider, you may not allocate Purchase Payments to the Fixed Options (DCA Program and Guarantee Periods) and you may not transfer Contract Value to a Guarantee Period.* 

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

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

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

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

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The prospectus and statement of additional information ("SAI") dated June 30, 2026, include additional information. The prospectus and SAI are incorporated by reference into this Updating Summary Prospectus. You can request the prospectus and SAI, or other information at no cost at https://dfinreports.com/delawarelife, or by calling (800) 477- 6545, option 2 or by sending an email request to customer.relations@delawarelife.com. The prospectus and SAI are also available on our website at https://dfinview.com/DelawareLife/TAHD/246115166?site=Annuity.

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

EDGAR Contract Identifier No. C000204561

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