Form 497VPU DELAWARE LIFE VARIABLE

June 30, 2026 4:50 PM EDT
UPDATING SUMMARY PROSPECTUS
DELAWARE LIFE ACCELERATOR PRIME® VARIABLE ANNUITY
Issued By
DELAWARE LIFE INSURANCE COMPANY
June 30, 2026
The Delaware Life Accelerator Prime® Variable Annuity (the “Contract”) is a flexible payment deferred variable annuity contract. Delaware Life Insurance Company (the “Company”) offered the Contract to 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/246115208. Copies are also available to you upon request, without charge, by calling (800) 477-6545 or by sending an email request to [email protected]. 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/246115208. Additional copies may be obtained upon request, without charge, by calling (800) 477-6545 or by sending an email request to [email protected].
*****************************************
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 (800) 374-3714. You can find the current prospectus and other information about the Contract online at https://dfinview.com/DelawareLife/TAHD/246115208. 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 [email protected].
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.
SPECIAL TERMS
The following terms as used in this Initial Summary Prospectus have the indicated meanings:
ACCUMULATION PHASE: the period before the Income Phase while the Contract is in force.
BUSINESS DAY: Any day the New York Stock Exchange (NYSE) is open for trading and that is a day on which we process financial transactions and requests.
COMPANY (“we,” “us,” “our,” “Delaware Life”): Delaware Life Insurance Company, which is subject to state supervision. It is the depositor of the Variable Account in which the Contract participates.
CONTRACT VALUE: the sum of the Variable Accumulation Value and the Fixed Accumulation Value.
CONTRACT YEAR: a period of 365 days (366 days if a leap year) first measured from the Issue Date.
DESIGNATED FUNDS: a subset of the Subaccounts that we make available for use with the Income Boost GLWB elected before April 3, 2022,  Income Control GLWB, Flex Income Control GLWB, GMPB, Combo GLWB/GMPB( only after and you select the Income Control GLWB or the GMPB before your Term End Date), and GMAB riders.
DOLLAR-COST AVERAGING (or “DCA”) Program: The Owner 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. If you elected an Income Boost GLWB before April 3, 2022, Income Control GLWB, Flex Income Control GLWB, GMPB, Combo GLWB/GMPB (only after and if you select the Income Control GLWB or the GMPB before your Term End Date), or GMAB rider, you may only transfer your Contract Value from the DCA Program to a Designated Fund, not a Guarantee Period.
FIXED ACCOUNT: a part of the Company’s general account, consisting of all the Company’s assets other than those allocated to the Company’s separate accounts.
FIXED ACCUMULATION VALUE: for a Valuation Period, the sum of amounts in any Guarantee Period and in the Fixed Account for the Dollar Cost Averaging program, including interest earned thereon.
FIXED OPTION: An Investment Option that is part of the Fixed Account.  Guarantee Periods and Dollar-Cost Averaging (or “DCA”) Program options are Fixed Options. Amounts allocated a Fixed Option will earn interest at a rate specified by the Company, subject to a minimum guaranteed rate under the Contract. If you elected an Income Boost GLWB before April 3, 2022,  Income Control GLWB, Flex Income Control GLWB, GMPB, Combo GLWB/GMPB (only after and if you select the Income Control GLWB or the GMPB before your Term End Date), or GMAB rider, you may invest only in a DCA Program and/or a Designated Fund, not a Guarantee Period.
FUND: an open-end management investment company registered under the Investment Company Act of 1940 in which a Subaccount invests.
GLWB: Four optional living benefit riders, Delaware Life Income Boost SM (“Income Boost GLWB”), Delaware Life Income Control SM (“Income Control GLWB”), Flex Income Boost GLWB and Flex Income Control GLWB. GLWB generally is an abbreviation for “guaranteed living withdrawal benefit.”
GLWB COVERED PERSON (JOINT GLWB COVERED PERSON): Under a GLWB, the natural person whose age is used to determine the Lifetime Withdrawal Percentage for purposes of calculating the AWA on the Income Start Date and on any subsequent Step-Up Date. If joint-life coverage is elected, the GLWB Covered Person is the younger spouse as recognized under federal tax laws and the older spouse is the Joint GLWB Covered Person.
GOOD ORDER: a complete instruction received by the Company, including Company and legally required information.
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GUARANTEE PERIOD: a Fixed Option which a guaranteed interest rate is credited for a specified period.
HAV VALUE: under the Highest Anniversary Value Death Benefit, the amount used to calculate the death benefit and its additional fee.
INCOME PHASE: the period during which annuity payments are made.
INCOME START DATE: Under the GLWB, the date we receive your election to activate your right to withdraw the AWA.
INVESTMENT OPTION: A Fixed Option and/or Variable Option, as applicable, under the Contract.
ISSUE DATE: the date we apply your initial Purchase Payment and issue your Contract.
LIFETIME WITHDRAWAL PERCENTAGE: A percentage, based on the GLWB Covered Person’s age on the Income Start Date and on any subsequent Step-Up Date, that is applied to the Withdrawal Benefit Base to determine the AWA. The current Lifetime Withdrawal Percentages will not change throughout the life of the Contract from the Lifetime Withdrawal Percentages disclosed in the Rate Sheet Supplement. The Lifetime Withdrawal Percentage is also known as the Lifetime Withdrawal Benefit.
MARKET VALUE ADJUSTMENT: Amounts withdrawn, transferred or surrendered from a multi-year Guarantee Period may be subject to an adjustment known as a Market Value Adjustment (MVA). The MVA may result in upward or downward adjustments to these amounts, subject to a floor for downward adjustments. Currently, we do not offer any multi-year Guarantee Periods. Single-year Guarantee Periods are not subject to MVAs.
PURCHASE PAYMENT: an amount paid to the Company as consideration for the Contract.
ROP VALUE: under the Return of Premium Death Benefit, the amount used to calculate the death benefit and its additional fee.
SERVICE ADDRESS: by mail, Delaware Life Insurance Company, P.O. Box 80428, Indianapolis, IN 46280; by express mail, Delaware Life Insurance Company, 10555 Group 1000 Way, Zionsville, IN 46077; and by facsimile at (800) 883-9165; or such other address specified by written notice from us, to which all correspondence concerning your Contract should be sent.
STEP-UP: Under the GLWB, an increase that the Company applies to the Withdrawal Benefit Base.
STEP-UP DATE: Under the GLWB, the date when the Withdrawal Benefit Base is increased by a Step-Up.
SUBACCOUNT: one of the divisions of the Variable Account which invests in shares of a Fund. A Subaccount is also known as an 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 VALUE: the sum of the values of the Variable Accumulation Units in the Subaccounts. A Variable Accumulation Unit is a unit of measure, for each Subaccount, used to calculate the Contract Value allocated to each Subaccount of the Variable Account during the Accumulation Phase.
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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 a Guaranteed Lifetime Withdrawal Benefit, the amount used to calculate the benefit and its additional fee.
WITHDRAWAL CHARGE: the charge applied in the event that you make a partial withdrawal from, or full surrender of, your Contract during the period when the Withdrawal Charge applies.
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UPDATED INFORMATION ABOUT THE CONTRACT
The information in this 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 Optional Benefit Riders and Fees
Bonus Rates for GLWBs
For applications signed and received in Good Order beginning on July 1, 2025, the Bonus Rate is 7.50% for the Income Boost GLWB and Flex Income Boost GLWB and 8.00% for Income Control GLWB and Flex Income Control GLWB.
Changes Affecting the Funds
Adviser
On or about May 1, 2026, as a result of a reorganization, Lincoln Financial Investments Corporation is the adviser to the following funds:
1. LVIP ClearBridge Appreciation Fund, formerly ClearBridge Variable Appreciation Portfolio, and
2. LVIP Clearbridge Dividend Strategy Fund, formerly ClearBridge Variable Dividend Strategy Portfolio.
Reorganization

Putnam VT Sustainable Future Fund
The Board of Trustees of Putnam VT Sustainable Future Fund (“Sustainable Future Fund”) and Putnam VT U.S. Research Fund (“U.S. Research Fund”) has approved the reorganization of the Sustainable Future Fund into the U.S. Research Fund. The reorganization is currently expected to close on or about August 17, 2026, and does not require shareholder approval.

Investment Policy, Subclassification and Name Changes
Goldman Sachs U.S. Equity Insights Fund
Effective June 12, 2026, the Fund’s subclassification under the Investment Company Act of 1940 changed from “diversified” to  “non-diversified” and related fundamental investment restrictions have been eliminated.
Putnam VT Sustainable Leaders Fund
The Board of Trustees has approved changes to the Fund’s name to “Putnam VT Focused U.S. Research Fund,” its 80% investment policy, and the Fund’s subclassification under the Investment Company Act of 1940 from “diversified” to “non-diversified”, subject to shareholder approval. A full description of the proposed changes will be contained in a proxy statement that is expected to be mailed to Contract owners on or around August 20, 2026. 
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Current Fund Name
New Fund Name
American Funds Insurance Series® International Fund
American Funds Insurance Series® EUPAC Fund™
Putnam VT Research Fund
Putnam VT U.S. Research Fund
Templeton Developing Markets VIP Fund
Templeton Emerging Markets VIP Fund
TOPS® Moderate Growth ETF Portfolio
TOPS® Moderate ETF Portfolio
TOPS® Growth ETF Portfolio
TOPS® Moderately Aggressive ETF Portfolio
TOPS® Aggressive Growth ETF Portfolio
TOPS® Aggressive ETF Portfolio.
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 
 
FEES AND EXPENSES
Location In The
Prospectus
Are There
Charges for
Early
Withdrawals?
Yes. If you withdraw money from your Contract within 7 years following
your last Purchase Payment, you will be assessed a Withdrawal Charge of
up to 8.0% (as a percentage of Purchase Payments withdrawn), declining to
0% over that time period. For example if you make a withdrawal you could
pay a Withdrawal Charge of up to $8,000 on a $100,000 investment. This
loss will be greater if there are taxes or tax penalties.
Fee Table -
Transaction
Expenses
Withdrawals,
Surrenders, and
Withdrawal
Charges
Are There
Transaction
Charges?
Yes. In addition to charges for withdrawals, you may also be charged for
other transactions. There may be taxes on Purchase Payments and charges
for transfers between Investment Options. Currently, we do not charge for
transfers. However, we reserve the right to charge $25 per transfer after the
first 12 transfers per Contract Year. There may be fees for wire transfers or
other expedited forms of payment of Contract proceeds.
Fee Table -
Transaction
Expenses 
Transfer Privilege
Contract Charges
Are There
Ongoing Fees
and Expenses?
Yes. The table below describes the fees and expenses that you may pay each
year, depending on the Investment Options and optional benefits you
choose. Please refer to your Contract specifications page for information
about the specific fees you will pay each year based on the Investment
Options and optional benefits you have elected.
Fee Table -
Annual Contract
Expenses
Contract Charges
Benefits Available
Under the
Contract
Appendix A:
Investment
Options Available
Under the
Contract
Annual Fee
Minimum
Maximum
Base contract:
1.20%1
1.20%1
Investment Options
(Fund fees and expenses)
0.59%2
3.48%2
Optional benefits available for an
additional charge (for a single
optional benefit, if elected)
0.20%3
6.00%4
 
1. As a percentage of average Variable Accumulation Value, plus an amount attributable to
the Annual Contract Fee.
2. As a percentage of Fund net assets.
3. As a percentage of ROP Value for the Return of Premium death benefit rider.
4. As a percentage of Withdrawal Benefit Base plus a percentage of the GMPB Base for
the GLWB/GMPB Combo rider, which rider is no longer available for sale, combined with
a percentage of ROP Value or HAV Value, if one of the optional death benefit riders is also
selected.This represents the maximum fee for the riders.
Because your Contract is customizable, the choices you make affect how
much you will pay. To help you understand the cost of owning your
Contract, the following table shows the lowest and highest cost you
could pay each year, based on current charges. This estimate assumes
that you do not take withdrawals from the Contract, which could add
Withdrawal Charges that substantially increase costs.
8
 
FEES AND EXPENSES (CONT.)
Location In The
Prospectus
 
Lowest Annual Cost:
$1,626
Highest Annual Cost:
$8,591
 
Assumes:
●Investment of $100,000
●5% annual appreciation
●Least expensive Fund fees and
expenses
●No optional benefits
●No sales charges
●No additional Purchase Payments,
transfers or withdrawals
Assumes:
●Investment of $100,000
●5% annual appreciation
●Most expensive combination of
optional benefits and Fund fees
and expenses
●No sales charges
●No additional Purchase
Payments, transfers or
withdrawals
 
RISKS
Location In The
Prospectus
Is There a Risk
of Loss from
Poor
Performance?
Yes. You can lose money by investing in the Contract.
Principal Risks of
Investing in the
Contract
Is This
Short-Term
Investment?
No. The Contract is not a short-term investment and is not appropriate for
an investor who needs ready access to cash.
●The benefits of tax deferral, long-term income, and living benefit
guarantees mean the Contract is generally more beneficial to investors
with a long-time horizon. You should not use the Contract as a short-term
investment.
●Withdrawal Charges may apply to withdrawals. If you take a withdrawal,
a Withdrawal Charge may reduce the withdrawal amount that you actually
receive or the value of your investment. Withdrawals may also reduce or
terminate Contract guarantees.
●Withdrawals are subject to taxes, including a 10% additional tax if you
take a withdrawal before age 59  1∕2.
What are the
Risks Associated
with the
Investment
Options?
●An investment in the Contract is subject to the risk of poor investment
performance and can vary depending on the performance of the
Investment Options available under the Contract (e.g., the Funds in which
the Variable Options invest).
●Each Investment Option (including any Fixed Option) will have its own
unique risks.
●You should review the Investment Options before making an investment
decision.
What Are the
Risks Related to
the Insurance
Company?
An investment in the Contract is subject to the risks related to the Company.
Any obligations (including under any Fixed Options), guarantees, or
benefits are subject to the claims-paying ability of the Company. Additional
information about the Company, including its financial strength ratings, is
available upon request by calling (800) 374-3714 or visiting https://
www.delawarelife.com/our-company.
9
 
RESTRICTIONS
Location In The
Prospectus
Are There
Limits to the
Investment
Options?
Yes. Certain Investment Options may not be available under your Contract.
Also, the availability of Investment Options may vary depending on the
broker-dealer or other financial intermediary through which the Contract is
purchased.
●You are allowed to make 12 transfers between Investment Options per
Contract Year. We reserve the right to charge $25 per transfer on all
transfers. At least 6 days must elapse between transfers. Your transfers
between Variable Options are subject to policies designed to deter
excessively frequent transfers. These transfer restrictions do not apply to
transfers under the Contract’s automatic transfer programs.
●Amounts withdrawn or transferred from the Fixed Account prior to the
end of a multi-year Guarantee Period are subject to a Market Value
Adjustment, which may result in either a positive or negative adjustment.
Negative adjustments are subject to a floor.
●We reserve the right to remove or substitute Variable Options.
Variable
Options: The
Funds
The Fixed
Account
Transfers Among
the Subaccounts
and the Fixed
Options
Appendix A:
Investment
Options Available
Under the
Contract
Appendix B: List
of Designated
Funds and Other
Investment
Restrictions
Are There Any
Restrictions on
Contract
Benefits?
Yes. There are additional restrictions under the Contract’s optional benefits,
including restrictions that limit the Investment Options that you may select
under the Contract. We may change these restrictions in the future. Certain
Contract benefits or other features may not be available under your
Contract, depending on the broker-dealer or other financial intermediary
through which the Contract is purchased.
●Failure to satisfy applicable investment restrictions may result in the
termination of an optional benefit.
●Withdrawals that exceed limits specified by the terms of an optional
benefit may affect the availability of the benefit by reducing the benefit
by an amount greater than the value withdrawn and could terminate the
benefit.
Benefits Available
Under the
Contract
Optional Living
Benefits
Designated
Investment
Options
Death Benefit
Appendix B: List
of Designated
Funds and Other
Investment
Restrictions
 
TAXES
Location In The
Prospectus
What are the
Contract’s Tax
Implications?
●You should consult with a tax professional to determine the tax
implications of an investment in and payments received under the
Contract.
●There is no additional tax benefit if you purchase the Contract through a
tax-qualified plan or an individual retirement account (IRA).
●Distributions from your Contract that are includible in income are taxed at
ordinary income rates. You may be subject to a 10% additional tax if you
take a withdrawal before age 59  1∕2.
Tax
Considerations
10
 
CONFLICTS OF INTEREST
Location In The
Prospectus
How is my
Investment
Professional
Compensated?
Your investment professional may receive compensation for selling the
Contract to you, including commissions, other cash compensation, and
non-cash compensation. We may share the revenue we earn on this Contract
with your investment professional’s firm. As a result of these compensation
arrangements, your investment professional may have a financial incentive
to offer or recommend this Contract to you over another investment for
which the investment professional is not compensated or compensated less.
Distribution of
the Contract
Should I
Exchange my
Contract?
Some investment professionals may have a financial incentive to offer you a
new contract in place of the one you already own. You should only exchange
a contract you already own if you determine, after comparing the features,
fees, and risks of both contracts, and any fees or penalties to terminate the
existing contract, that it is better for you to purchase the new contract rather
than continue to own your existing contract.
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APPENDIX A - INVESTMENT OPTIONS
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/246115208. You can also request this information at no cost at https://dfinreports.com/DelawareLife, by calling (800) 477-6545, or by sending an email request to [email protected].  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. 
Type
Fund
Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/25)
1 Year
5 Year
10 Year
Allocation - Moderate
AB Variable Products Series Fund, Inc.
Balanced Hedged Allocation Portfolio
Class B
AllianceBernstein, L.P.
0.98%1
17.36%
5.64%
6.74%
Equity - US Small Cap
AB Variable Products Series Fund, Inc.
Discovery Value Portfolio
Class B
AllianceBernstein, L.P.
1.07%
2.64%
8.48%
8.27%
Equity - US Large Cap
Growth
AB Variable Products Series Fund, Inc.
Large Cap Growth Portfolio
Class B
AllianceBernstein, L.P.
0.90%
12.85%
11.76%
15.88%
Equity - US Large Cap
Value
AB Variable Products Series Fund, Inc.
Relative Value Portfolio
Class B
AllianceBernstein, L.P.
0.85%1
10.20%
11.15%
10.30%
Equity - US Small Cap
AB Variable Products Series Fund, Inc.
Small Cap Growth Portfolio
Class B
AllianceBernstein, L.P.
1.15%1
4.45%
-0.69%
10.99%
Allocation - Moderate
American Funds Insurance Series®
American Funds® Global Balanced Fund
Class 4
Capital Research and
Management Company
1.01%1
16.96%
5.85%
7.43%
Allocation - Moderate
American Funds Insurance Series®
Asset Allocation Fund
Class 4
Capital Research and
Management Company
0.79%
15.59%
8.70%
9.50%
Equity - Global Large
Cap
American Funds Insurance Series®
EUPAC Fund™2
Class 4
Capital Research and
Management Company
0.97%1
26.41%
3.14%
6.73%
Equity - Global Large
Cap
American Funds Insurance Series®
Global Growth Fund
Class 4
Capital Research and
Management Company
0.90%1
21.34%
7.97%
11.89%
Equity - US Large Cap
Growth
American Funds Insurance Series®
Growth Fund
Class 4
Capital Research and
Management Company
0.83%
19.93%
13.09%
17.67%
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Type
Fund
Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/25)
1 Year
5 Year
10 Year
Equity - US Large Cap
Blend
American Funds Insurance Series®
Growth-Income Fund
Class 4
Capital Research and
Management Company
0.78%
17.77%
13.62%
13.63%
Equity - Global
Emerging Markets
American Funds Insurance Series®
New World Fund®
Class 4
Capital Research and
Management Company
1.07%1
27.92%
5.06%
8.98%
Equity - US Large Cap
Growth
BlackRock Variable Series Funds, Inc.
BlackRock Capital Appreciation V.I. Fund
Class III
BlackRock Advisors, LLC
1.04%1
11.77%
10.50%
15.32%
Equity - US Large Cap
Value
BlackRock Variable Series Funds, Inc.
BlackRock Equity Dividend V.I. Fund
Class III
BlackRock Advisors, LLC
0.93%1
21.32%
11.45%
11.01%
Allocation - Moderate
BlackRock Variable Series Funds, Inc.
BlackRock Global Allocation V.I. Fund
Class III
BlackRock Advisors, LLC /
 BlackRock International
Limited, BlackRock
(Singapore) Limited
1.01%1
19.42%
5.51%
7.33%
Equity - US Large Cap
Growth
BlackRock Variable Series Funds, Inc.
BlackRock Large Cap Focus Growth V.I.
Fund
Class III
BlackRock Advisors, LLC
1.02%1
11.48%
10.19%
15.98%
Fixed Income - US
BlackRock Variable Series Funds II, Inc.
BlackRock Total Return V.I. Fund
Class III
BlackRock Advisors, LLC /
 BlackRock International
Limited, BlackRock
(Singapore) Limited
0.74%1
7.60%
-0.67%
1.86%
Allocation - Moderate
BlackRock Variable Series Funds, Inc.
BlackRock 60/40 Target Allocation ETF
V.I. Fund
Class III
BlackRock Advisors, LLC
0.58%1
15.37%
7.05%
8.45%
Equity - US Mid Cap
Legg Mason Partners Variable Equity Trust
ClearBridge Variable Mid Cap Portfolio
Class II
Franklin Templeton Fund
Advisor, LLC / ClearBridge
Investments, LLC
1.07%
4.08%
4.23%
7.24%
Equity - US Large Cap
Blend
Lincoln Variable Insurance Products Trust
LVIP ClearBridge Appreciation Fund3
Service Class
Lincoln Financial Investments
Corporation / ClearBridge
Investments, LLC
0.95%1
14.19%
12.44%
13.05%
Equity - US Large Cap
Blend
Lincoln Variable Insurance Products Trust
LVIP ClearBridge Dividend Strategy
Fund4
Service Class
Lincoln Financial Investments
Corporation / ClearBridge
Investments, LLC
1.00%1
12.46%
11.69%
12.29%
Allocation - Moderate
Columbia Funds Variable Series Trust II
Columbia Variable Portfolio – Balanced
Fund
Class 2
Columbia Management
Investment Advisers, LLC
0.96%1
13.75%
8.45%
9.48%
Equity - US Large Cap
Value
Columbia Funds Variable Series Trust II
Columbia Variable Portfolio – Select
Large Cap Value Fund
Class 2
Columbia Management
Investment Advisers, LLC
0.94%
27.97%
13.32%
12.30%
Equity - US Large Cap
First Trust Variable Insurance Trust
First Trust Capital Strength® Portfolio
Class I
First Trust Advisors L.P.
1.10%
5.70%
7.07%
N/A
Allocation - Moderate
First Trust Variable Insurance Trust
First Trust/Dow Jones Dividend & Income
Allocation Portfolio
Class I
First Trust Advisors L.P.
1.18%
5.30%
3.98%
6.68%
Equity - International
Large Cap
First Trust Variable Insurance Trust
First Trust International Developed
Capital Strength® Portfolio
Class I
First Trust Advisors L.P.
1.20%1
19.53%
6.45%
N/A
13
Type
Fund
Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/25)
1 Year
5 Year
10 Year
Allocation - Moderate
Franklin Templeton Variable Insurance
Products Trust
Franklin Allocation VIP Fund
Class 4
Franklin Advisers, Inc. /
 Templeton Global Advisors
Limited, Franklin Templeton
Institutional, LLC,
Brandywine Global
Investment Management,
LLC, ClearBridge
Investments, LLC, Western
Asset Management Company,
LLC, Western Asset
Management Company
Limited
0.92%1
12.53%
5.59%
7.19%
Allocation - Cautious
Franklin Templeton Variable Insurance
Products Trust
Franklin Income VIP Fund
Class 4
Franklin Advisers, Inc.
0.82%
12.43%
7.54%
7.19%
Allocation - Moderate
Legg Mason Partners Variable Equity Trust
Franklin Multi-Asset Variable
Conservative Growth Fund
Class II
Franklin Templeton Fund
Advisor, LLC / Franklin
Advisers, Inc.
0.84%
12.50%
6.43%
N/A
Allocation - Large Cap
Equity
Franklin Templeton Variable Insurance
Products Trust
Franklin Mutual Shares VIP Fund
Class 4
Franklin Mutual Advisers,
LLC
1.04%
11.45%
9.11%
7.43%
Equity - US Large Cap
Blend
Franklin Templeton Variable Insurance
Products Trust
Franklin Rising Dividends VIP Fund
Class 4
Franklin Advisers, Inc.
0.99%
11.66%
9.38%
11.98%
Equity - US Small Cap
Franklin Templeton Variable Insurance
Products Trust
Franklin Small Cap Value VIP Fund
Class 4
Franklin Mutual Advisers,
LLC
1.01%1
7.49%
8.75%
9.71%
Equity - US Large Cap
Blend
Goldman Sachs Variable Insurance Trust
Goldman Sachs U.S. Equity Insights Fund
Service Shares
Goldman Sachs Asset
Management, L.P.
0.77%1
15.49%
13.56%
13.48%
Fixed Income - US
AIM Variable Insurance Funds (Invesco
Variable Insurance Funds)
Invesco V.I. Core Plus Bond Fund
Series II
Invesco Advisers, Inc.
0.87%1
6.96%
-0.36%
2.73%
Equity - US Mid Cap
AIM Variable Insurance Funds (Invesco
Variable Insurance Funds)
Invesco V.I. Discovery Mid Cap Growth
Fund
Series II
Invesco Advisers, Inc.
1.11%
4.53%
3.64%
11.10%
Equity - US Large Cap
Value
AIM Variable Insurance Funds (Invesco
Variable Insurance Funds)
Invesco V.I. Diversified Dividend Fund
Series II
Invesco Advisers, Inc.
0.93%
15.44%
10.53%
8.93%
Equity - US Large Cap
Blend
AIM Variable Insurance Funds (Invesco
Variable Insurance Funds)
Invesco V.I. Equally-Weighted S&P 500
Fund
Series II
Invesco Advisers, Inc. /
 Invesco Capital Management,
LLC
0.59%
10.82%
9.89%
11.11%
Allocation - Moderate
AIM Variable Insurance Funds (Invesco
Variable Insurance Funds)
Invesco V.I. Equity and Income Fund
Series II
Invesco Advisers, Inc.
0.82%
12.52%
8.68%
8.64%
14
Type
Fund
Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/25)
1 Year
5 Year
10 Year
Equity - US Large Cap
Blend
AIM Variable Insurance Funds (Invesco
Variable Insurance Funds)
Invesco V.I. Main Street Fund®
Series II
Invesco Advisers, Inc.
1.05%1
15.64%
12.19%
12.25%
Allocation - Moderate
Janus Aspen Series
Janus Henderson Balanced Portfolio
Service Shares
Janus Henderson Investors
US LLC
0.87%
14.82%
8.21%
9.86%
Equity - US Mid Cap
Janus Aspen Series
Janus Henderson Enterprise Portfolio
Service Shares
Janus Henderson Investors
US LLC
0.97%
7.41%
7.35%
12.51%
Equity - Technology
Sector
Janus Aspen Series
Janus Henderson Global Technology and
Innovation Portfolio
Service Shares
Janus Henderson Investors
US LLC
0.97%
24.84%
13.44%
21.18%
Equity - US Mid Cap
Janus Aspen Series
Janus Henderson Mid Cap Value Portfolio
Service Shares
Janus Henderson Investors
US LLC
1.08%1
6.29%
8.43%
8.40%
Allocation - Aggressive
Lazard Retirement Series, Inc.
Lazard Retirement Global Dynamic
Multi-Asset Portfolio
Service Shares
Lazard Asset
Management LLC
1.05%1
15.72%
5.19%
5.93%
Fixed Income - US
Lord Abbett Series Fund, Inc.
Bond Debenture Portfolio
Class VC
Lord, Abbett & Co. LLC
0.98%
8.33%
2.10%
4.72%
Fixed Income - US
Lord Abbett Series Fund, Inc.
Short Duration Income Portfolio
Class VC
Lord, Abbett & Co. LLC
0.72%1
5.90%
2.25%
2.62%
Equity - US Small Cap
MFS® Variable Insurance Trust III
MFS® Blended Research® Small Cap
Equity Portfolio
Service Class
Massachusetts Financial
Services Company
0.83%1
5.49%
6.62%
8.82%
Allocation - Cautious
MFS® Variable Insurance Trust III
MFS® Conservative Allocation Portfolio
Service Class
Massachusetts Financial
Services Company
0.95%
9.72%
2.83%
5.43%
Equity - US Large Cap
Blend
MFS® Variable Insurance Trust II
MFS® Core Equity Portfolio
Service Class
Massachusetts Financial
Services Company
1.03%1
12.22%
11.26%
13.53%
Equity - Global Large
Cap
MFS® Variable Insurance Trust II
MFS® Global Growth Portfolio
Service Class
Massachusetts Financial
Services Company
1.13%1
7.43%
6.50%
11.48%
Equity - Real Estate
Sector
MFS® Variable Insurance Trust III
MFS® Global Real Estate Portfolio
Service Class
Massachusetts Financial
Services Company
1.15%1
3.30%
1.08%
4.76%
Allocation - Cautious
MFS® Variable Insurance Trust II
MFS® Global Tactical Allocation Portfolio
Service Class
Massachusetts Financial
Services Company
1.03%1
15.21%
4.60%
5.40%
Allocation - Aggressive
MFS® Variable Insurance Trust III
MFS® Growth Allocation Portfolio
Service Class
Massachusetts Financial
Services Company
1.05%
11.87%
5.93%
8.95%
Equity - US Large Cap
Growth
MFS® Variable Insurance Trust
MFS® Growth Series
Service Class
Massachusetts Financial
Services Company
0.98%1
11.90%
10.82%
15.31%
Equity - US Large Cap
Blend
MFS® Variable Insurance Trust
MFS® Investors Trust Series
Service Class
Massachusetts Financial
Services Company
0.99%1
13.32%
11.06%
12.21%
Equity - US Mid Cap
MFS® Variable Insurance Trust
MFS® Mid Cap Growth Series
Service Class
Massachusetts Financial
Services Company
1.06%1
3.40%
3.03%
11.32%
15
Type
Fund
Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/25)
1 Year
5 Year
10 Year
Equity - US Mid Cap
MFS® Variable Insurance Trust III
MFS® Mid Cap Value Portfolio
Service Class
Massachusetts Financial
Services Company
1.04%1
5.75%
9.90%
9.69%
Allocation - Moderate
MFS® Variable Insurance Trust III
MFS® Moderate Allocation Portfolio
Service Class
Massachusetts Financial
Services Company
0.97%
10.96%
4.55%
7.35%
Equity - US Small Cap
MFS® Variable Insurance Trust
MFS® New Discovery Series
Service Class
Massachusetts Financial
Services Company
1.12%1
12.56%
-0.54%
10.46%
Equity - US Small Cap
MFS® Variable Insurance Trust III
MFS® New Discovery Value Portfolio
Service Class
Massachusetts Financial
Services Company
1.13%1
2.88%
8.22%
10.30%
Equity - Technology
Sector
MFS® Variable Insurance Trust II
MFS® Technology Portfolio
Service Class
Massachusetts Financial
Services Company
1.07%1
16.28%
12.17%
18.35%
Fixed Income - US
MFS® Variable Insurance Trust
MFS® Total Return Bond Series
Service Class
Massachusetts Financial
Services Company
0.78%1
6.94%
-0.09%
2.38%
Allocation - Moderate
MFS® Variable Insurance Trust
MFS® Total Return Series
Service Class
Massachusetts Financial
Services Company
0.86%1
10.91%
6.16%
7.36%
US Money Market
MFS® Variable Insurance Trust II
MFS® U.S. Government Money Market
Portfolio5
Service Class
Massachusetts Financial
Services Company
0.45%1
3.85%
2.87%
1.77%
Equity - Utilities
Sector
MFS® Variable Insurance Trust
MFS® Utilities Series
Service Class
Massachusetts Financial
Services Company
1.03%1
14.76%
7.38%
9.22%
Equity - US Large Cap
Value
MFS® Variable Insurance Trust
MFS® Value Series
Service Class
Massachusetts Financial
Services Company
0.94%1
12.77%
9.69%
9.77%
Allocation - Moderate
Morgan Stanley Variable Insurance Fund,
Inc.
Global Strategist Portfolio
Class II
Morgan Stanley Investment
Management, Inc. / Morgan
Stanley Investment
Management Limited
1.00%1
17.36%
5.21%
6.75%
Equity - US Large Cap
Growth
Morgan Stanley Variable Insurance Fund,
Inc.
Growth Portfolio
Class II
Morgan Stanley Investment
Management, Inc.
0.82%1
35.38%
3.15%
17.46%
Commodities Broad
Basket
PIMCO Variable Insurance Trust
PIMCO CommodityRealReturn®
Strategy Portfolio
Advisor Class
Pacific Investment
Management Company LLC
3.29%1
18.85%
10.47%
6.43%
Fixed Income - Global
PIMCO Variable Insurance Trust
PIMCO International Bond Portfolio
(U.S. Dollar-Hedged)
Advisor Class
Pacific Investment
Management Company LLC
1.19%
3.85%
0.93%
2.78%
Fixed Income - US
PIMCO Variable Insurance Trust
PIMCO Total Return Portfolio
Advisor Class
Pacific Investment
Management Company LLC
0.83%
8.78%
-0.08%
2.26%
Allocation - Moderate
Putnam Variable Trust
Putnam VT George Putnam Balanced
Fund
Class IB
Putnam Investment
Management, LLC / Franklin
Advisers, Inc, Franklin
Templeton Investment
Management Limited
0.88%
13.95%
8.85%
10.17%
16
Type
Fund
Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/25)
1 Year
5 Year
10 Year
Allocation - Moderate
Putnam Variable Trust
Putnam VT Global Asset Allocation Fund
Class IB
Franklin Advisers, Inc. / The
Putnam Advisory Company,
LLC, Putnam Investment
Management, LLC, Franklin
Templeton Investment
Management Limited
1.09%1
14.38%
8.39%
8.43%
Equity - Healthcare
Sector
Putnam Variable Trust
Putnam VT Global Health Care Fund
Class IB
Putnam Investment
Management, LLC / The
Putnam Advisory Company,
LLC, Franklin Advisers, Inc,
Franklin Templeton
Investment Management
Limited
1.00%
15.05%
7.71%
8.36%
Fixed Income - US
Putnam Variable Trust
Putnam VT Income Fund
Class IB
Franklin Advisers, Inc. /
 Putnam Investment
Management, LLC, Franklin
Templeton Investment
Management Limited
0.82%
7.25%
-1.13%
1.89%
Equity - US Large Cap
Value
Putnam Variable Trust
Putnam VT Large Cap Value Fund
Class IB
Putnam Investment
Management, LLC / Franklin
Advisers, Inc, Franklin
Templeton Investment
Management Limited
0.79%
20.35%
15.38%
13.30%
Equity - US All Cap
Putnam Variable Trust
Putnam VT Sustainable Future Fund
Class IB
Putnam Investment
Management, LLC / Franklin
Advisers, Inc, Franklin
Templeton Investment
Management Limited
1.05%1
2.66%
1.19%
9.60%
Equity - US All Cap
Putnam Variable Trust
Putnam VT Sustainable Leaders Fund
Class IB
Putnam Investment
Management, LLC / Franklin
Advisers, Inc, Franklin
Templeton Investment
Management Limited
0.88%
10.69%
10.34%
14.69%
Equity - US Large Cap
Blend
Putnam Variable Trust
Putnam VT U.S. Research Fund6
Class IB
Putnam Investment
Management, LLC / The
Putnam Advisory Company,
LLC, Franklin Advisers, Inc,
Franklin Templeton
Investment Management
Limited
0.93%
17.88%
14.52%
15.07%
Equity - US Large Cap
Growth
T. Rowe Price Equity Series, Inc.
T. Rowe Price Blue Chip Growth Portfolio
- II Class
T. Rowe Price Associates, Inc.
1.00%
18.43%
11.41%
15.25%
Equity - US Large Cap
Value
T. Rowe Price Equity Series, Inc.
T. Rowe Price Equity Income Portfolio - II
Class
T. Rowe Price Associates, Inc.
0.99%
14.07%
10.89%
10.24%
Equity - Healthcare
Sector
T. Rowe Price Equity Series, Inc.
T. Rowe Price Health Sciences Portfolio -
II Class
T. Rowe Price Associates, Inc.
1.11%
17.80%
3.86%
8.70%
Equity - Global
Emerging Markets
Franklin Templeton Variable Insurance
Products Trust
Templeton Emerging Markets VIP Fund7
Class 4
Templeton Asset Management
Ltd. / Franklin Templeton
Investment Management
Limited
1.47%
46.09%
5.34%
10.28%
Allocation - Aggressive
Northern Lights Variable Trust
TOPS® Aggressive ETF Portfolio8
Investor Class
ValMark Advisers, Inc. /
 Milliman Financial Risk
Management, LLC
0.79%
18.53%
9.15%
9.99%
Allocation - Moderate
Northern Lights Variable Trust
TOPS® Balanced ETF Portfolio
Investor Class
ValMark Advisers, Inc. /
 Milliman Financial Risk
Management, LLC
0.79%
12.59%
5.26%
6.10%
17
Type
Fund
Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/25)
1 Year
5 Year
10 Year
Allocation - Cautious
Northern Lights Variable Trust
TOPS® Conservative ETF Portfolio
Investor Class
ValMark Advisers, Inc. /
 Milliman Financial Risk
Management, LLC
0.81%
9.76%
4.09%
4.77%
Allocation - Moderate
Northern Lights Variable Trust
TOPS® Moderate ETF Portfolio9
Investor Class
ValMark Advisers, Inc. /
 Milliman Financial Risk
Management, LLC
0.78%
14.87%
6.66%
7.63%
Allocation - Aggressive
Northern Lights Variable Trust
TOPS® Moderately Aggressive ETF
Portfolio10
Investor Class
ValMark Advisers, Inc. /
 Milliman Financial Risk
Management, LLC
0.79%
17.74%
8.30%
9.12%
Fixed Income - US
Legg Mason Partners Variable Income Trust
Western Asset Core Plus VIT Portfolio
Class II
Franklin Templeton Fund
Adviser, LLC / Western Asset
Management Company, LLC,
Western Asset Management
Company Limited, Western
Asset Management Company
Pte. Ltd. in Singapore
0.79%1
7.69%
-1.67%
1.85%
1
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.
2
Prior to May 1, 2026, the name of this fund was International Fund.
3
Prior to April 24, 2026, the name of this fund was Clearbridge Variable Appreciation Portfolio.
4
Prior to April 24, 2026, the name of this fund was Clearbridge Variable Dividend Strategy Portfolio.
5
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.
6
Prior to May 1, 2026, the name of this fund was Putnam VT Research Fund.
7
Prior to May 1, 2026, the name of this fund was Templeton Developing Markets VIP Fund.
8
Prior to May 1, 2026, the name of this fund was TOPS® Aggressive Growth ETF Portfolio.
9
Prior to May 1, 2026, the name of this fund was TOPS® Moderate Growth ETF Portfolio.
10
Prior to May 1, 2026, the name of this fund was TOPS® Growth ETF Portfolio.
 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. 
Name
Term
Minimum Guaranteed Interest Rate
Guarantee Period
One (1) Year
1%
Dollar-Cost Averaging
6 Months and 12 Months
1%
You can find out about our current Guaranteed Interest Rates by calling us at (800) 374-3714.
18
APPENDIX B:
LIST OF DESIGNATED FUNDS AND OTHER INVESTMENT RESTRICTIONS
If you own any of the optional living benefit riders listed below including prior versions, your Contract is subject to investment restrictions that limit the Funds that are available to you:
●
Income Boost GLWB (purchased on or before April 3, 2022)
●
Income Control GLWB (and prior versions)
●
Flex Income Control GLWB
●
Armor Seven / Armor Ten GMAB
●
Armor Flex 7 / Armor Flex 10 GMPB
●
GLWB/GMPB Combo (with Income Control GLWB)
If you violate the investment restrictions applicable to your benefit, your benefit will terminate automatically.
Investment Restrictions for Income Boost GLWB, Flex Income Boost GLWB, GMPB and GLWB/GMPB Combo
You may allocate your Purchase Payments and Contract Value to any Fund under the Contract (i.e., you are not limited to the DesignatedFunds. However, you may not invest in the Fixed Account other than through the DCA Program.
Investment Restrictions – Income Control GLWB, Flex Income Control GLWB, Armor Seven GMAB, Armor Ten GMAB, and GLWB/GMPB Combo
If you own any of these optional living benefit riders, only the Funds that we have designated as “Designated Funds” are available for investment. Currently, the Designated Funds include the following Funds:
Cautious Allocation
Franklin Income VIP Fund
MFS® VIT II Global Tactical Allocation Portfolio
MFS® VIT III Conservative Allocation Portfolio
TOPS® Conservative ETF Portfolio
Moderate Allocation
AB Variable Products Series Balanced Hedged Allocation Portfolio
AFIS American Funds Insurance Series® Global Balanced Fund
AFIS American Funds Insurance Series® Asset Allocation Fund
BlackRock Global Allocation V.I. Fund
First Trust/Dow Jones Dividend & Income Allocation Portfolio
Invesco V.I. Equity and Income Fund
MFS® VIT III Moderate Allocation Portfolio
MFS® VIT Total Return Series
Morgan Stanley Variable Insurance Fund, Inc. Global Strategist Portfolio
Putnam VT George Putnam Balanced Fund
Putnam VT Global Asset Allocation
BlackRock 60/40 Target Allocation ETF VI Fund
Columbia Variable Portfolio - Balanced Fund
Franklin Allocation VIP Fund
Franklin Multi-Asset Variable Conservative Growth Fund
Janus Henderson VIT Balanced Portfolio
TOPS® Balanced ETF Portfolio
TOPS® Moderate ETF Portfolio
Additional information about investment restrictions is provided under “DESIGNATED FUNDS” and “OPTIONAL LIVING BENEFITS” in the prospectus.
19
The prospectus and statement of additional information (SAI), each 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, including any historical rates and fees, at http://dfinreports.com/delawarelife, by calling (800) 477-6545,, or by sending an email request to [email protected]. You can also access the prospectus, SAI and other information about the Contract online at https://dfinview.com/DelawareLife/TAHD/246115208.
Reports and other information about the Separate 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: [email protected].
EDGAR Contract Identifier No.: C000221210
20

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