Form 497VPU DELAWARE LIFE VARIABLE
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E-mailUPDATING SUMMARY PROSPECTUS
MASTERS CHOICE II VARIABLE ANNUITY
MASTERS CHOICE II VARIABLE ANNUITY
Issued By
DELAWARE LIFE INSURANCE COMPANY
June 30, 2026
The Masters Choice II Variable Annuity (the “Contract”) is a flexible payment deferred variable annuity contract. Delaware Life Insurance Company[le ] .(the “Company”) offered the Contract through personal retirement and deferred compensation plans. 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 June 30, 2026. 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/86680A186?site=Annuity. 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/86680A186?site=Annuity. 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 (877) 253- 2323. You can find the current prospectus and other information about the Contract online at
https://dfinview.com/DelawareLife/TAHD/86680A186?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
[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 Prospectus have the indicated meanings:
ACCOUNT or PARTICIPANT ACCOUNT: An account established for each Participant to which Net
Purchase Payments are credited.
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.
DOLLAR-COST AVERAGING (or “DCA”) PROGRAM: A Fixed Option you may elect when you make a Purchase Payment during the Accumulation Phase of your Contract. When you elect the DCA Program, your Purchase Payment is allocated initially to the Fixed Account, then reallocated, at regular time intervals over a specified time period, to one or more of the Investment Options we make available in connection with the program.
If you have elected an optional living benefit, your ability to make Purchase Payments into the DCA Program may be limited.
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.
FIXED ACCOUNT VALUE: The value of that portion of your Account allocated to the
Fixed Account.
FIXED OPTION: An Investment Option that is part of the Fixed Account.
Guarantee Periods and the Dollar-Cost Averaging (or “DCA”) Program are Fixed Options. A Fixed Option will earn interest at a rate specified by the Company,
subject to a minimum guaranteed rate under the Contract.
FUND: A registered management investment company, or series
thereof, in which a Sub-Account may invest.
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.
3
INVESTMENT OPTION: A Fixed Option and/or Variable Option, as applicable, under
the Contract.
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.
PARTICIPANT: In the case of an Individual Contract, the owner of the
Contract. In the case of a Group Contract, the person named in the Contract who is entitled to exercise all rights and privileges of ownership under the Contract, except
as reserved by the Owner.
PURCHASE PAYMENT (PAYMENT): An amount paid to the Company as consideration for the
benefits provided by a Contract.
SUB-ACCOUNT: That portion of the Variable Account which invests in shares
of a specific Fund. A Sub-Account is also known as a Variable Option in the prospectus.
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: Variable Account F of the Company, 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 used in the calculation of Variable Account Value.
VARIABLE ACCOUNT VALUE: The value of that portion of your Account allocated to the
Variable Account.
VARIABLE OPTION: An Investment Option that is a Sub-Account of the Variable
Account. A Sub-Account is that portion of the Variable Account that invests in shares of a specific Fund.
YOU and YOUR: The terms “you” and “your” refer to “Owner,” “Participant,” and/or “Covered Person” as those terms are identified in the Contract.
4
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 August 13, 2025. This may not reflect all the
changes that have occurred since you entered into your Contract.
Changes Affecting the Benefits Under the Contract
Beginning September 22, 2025, the fee increased for both single and
joint life coverage under the Income Riser III, Income Maximizer and Income Maximizer Plus optional living benefits that were available at the time the Contract was
purchased. The new fees are indicated below.
Income Riser III and Income
Maximizer:
| |
Quarterly Fee
|
Annual Fee |
| Single-life |
0.35% |
1.40% |
| Joint-life |
0.40% |
1.60% |
Income Maximizer Plus:
| |
Quarterly Fee
|
Annual Fee |
| Single-life |
0.3875% |
1.55% |
| Joint-life |
0.4375% |
1.75% |
The fee increase was applied beginning with the first quarterly fee deduction after the increased fees were effective.
Changes Affecting the Funds
Subadviser
For Templeton Growth VIP Fund, effective August 1, 2025, Templeton Asset Management Ltd. no longer served as sub-adviser of the Fund.
Name Changes
| Current Fund Name |
New Fund Name |
| Columbia Variable Portfolio-Large Cap Growth Fund |
Columbia Variable Portfolio-Cornerstone Growth Fund |
| CTIVP®-Principal Growth Fund |
CTIVP®-Principal Large Cap Growth
Fund |
| MFS®
International Intrinsic Value Portfolio |
MFS®
International Intrinsic Equity Portfolio |
5
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.
6
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 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
$15 per transfer. 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 you have elected. |
Fee Table -
Transaction
Expenses
Contract Charges Benefits Available Under the Contract Appendix A – Investment Options Available Under the Contract | ||
| Annual Fee |
Minimum |
Maximum | ||
| Base contract: |
1.35%1 |
1.35%1 | ||
| Investment Options
(Fund fees and expenses) |
0.66%2 |
3.48%2 | ||
| Optional Benefits Available for an
Additional Charge (for a single
optional benefit, if elected) |
0.40%1 |
1.95%3 | ||
| 1 As a percentage of average daily net Variable Account assets. 2 As a percentage of Fund net assets.
3 As a percentage of the highest Withdrawal Benefit Base during the
Account Year. | ||||
| 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. | ||||
| |
Lowest Annual Cost:
$1,819 |
Highest Annual Cost:
$5,587 |
| |
| 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 | |||
7
| |
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
Transfer Privilege | ||
| Is This a
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-term horizon. You should not use the Contract as a short-term
investment.
●Withdrawal charges may apply to withdrawals taken within 7 years after a
Purchase Payment. If you take a withdrawal, a withdrawal charge may reduce the withdrawal amount that you actually receive and the value of
your investment. Withdrawals may also reduce or terminate Contract
guarantees.
●Withdrawals may be subject to taxes, including a 10% additional tax if
you take a withdrawal before age 59 1∕2. |
Principal Risks of
Investing in the
Contract
Withdrawals and
Withdrawal
Charges
Tax Provisions | ||
| What Are The
Risks Associated
with 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. |
Principal Risks of
Investing in the
Contract
The Variable Account The Fixed
Account Options - The DCA Periods | ||
| 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 (877) 253-2323 or visiting https://
www.delawarelife.com/contact-us/contact-page. |
Principal Risks of
Investing in the
Contract
The Variable Account The Fixed
Account Options - The DCA Periods | ||
| |
RESTRICTIONS |
Location In The
Prospectus | ||
| Are There
Restrictions on
the Investment
Options? |
Yes.
●The availability of certain Investment Options may vary depending on the
broker-dealar or other financial intermediary through which the Contract
is sold.
●You are allowed to make 12 transfers between Investment Options per
Account Year. We reserve the right to charge $15 per transfer. At least 6 days must elapse between transfers. Your transfers between Variable Options are subject to policies designed to deter frequent transfers. These
transfer restrictions do not apply to transfers under the Contract’s
automatic programs.
●We reserve the right to remove or substitute Funds offered through the
Variable Options. |
The Variable
Account
The Fixed Account Options -
The DCA Periods
Transfer Privilege
Appendix A –
Investment
Options Available
Under the
Contract | ||
8
| |
RESTRICTIONS |
Location In The
Prospectus | ||
| Are There Any
Restrictions on
Contract Benefits? |
Yes.
●The Contract contains optional death and living benefits, available for an additional charge, which must be elected on or before the Issue
Date and are no longer available to be added to your Contract. ●If you elected an optional living benefit, all of your Account Value must
be invested in Designated Funds at all times and, if using an asset
allocation model, must comply with minimum and maximum allocation
percentage ranges during the term of your optional living
benefit. We
reserve the right to declare that a particular Investment Option no
longer qualifies as a Designated Fund.
●Failure to comply with the applicable investment restrictions will result in
the termination of your living benefit.
●The amount and frequency of Purchase Payments may be limited depending on the optional living benefit you have elected, and
Purchase Payments made after the first Account Year may receive a lower benefit.
●Early Withdrawals and withdrawals that exceed specified limits may
affect the availability of your living benefit by reducing the benefit
by an amount greater than the amount withdrawn and could
terminate your living benefit. |
Designated Funds Build Your Own Portfolio 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 Provisions | ||
| |
CONFLICTS OF INTEREST |
Location In The
Prospectus | ||
| How are
Investment
Professionals
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 is 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. |
|||
9
APPENDIX A -
INVESTMENT OPTIONS
AVAILABLE UNDER THE CONTRACT
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/86680A186?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 [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% |
| Allocation - Moderate |
AB Variable Products Series Fund, Inc.
Dynamic Asset Allocation Portfolio
Class B |
AllianceBernstein, L.P. |
1.10%1 |
13.21% |
4.74% |
5.25% |
| 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 |
Columbia Funds Variable Series Trust II
Columbia Variable Portfolio –
Cornerstone Growth Fund2
Class 23 |
Columbia Management
Investment Advisers, LLC |
0.97% |
15.85% |
13.75% |
15.69% |
| Equity - Global Large
Cap |
Columbia Funds Variable Series Trust II
Columbia Variable Portfolio – Overseas
Core Fund
Class 23 |
Columbia Management
Investment Advisers, LLC |
1.04% |
37.96% |
8.92% |
7.55% |
| Equity - US Large Cap
Growth |
Columbia Funds Variable Series Trust II
CTIVP®–
Principal Large Cap Growth
Fund
Class 2 |
Columbia Management
Investment Advisers, LLC /
Principal Global Investors,
LLC |
0.94% |
13.49% |
10.20% |
14.38% |
10
| Type |
Fund |
Adviser/Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/25) | ||
| 1 Year |
5 Year |
10 Year | ||||
| Allocation - Moderate |
Variable Insurance Products Fund III
Fidelity®
Variable Insurance Products Balanced
Portfolio Service Class 2
|
Fidelity Management &
Research Company, LLC /
FMR Investment
Management (UK) Limited,
Fidelity Management &
Research (Hong Kong)
Limited, Fidelity Management
& Research (Japan) Limited |
0.66% |
14.96% |
9.24% |
10.84% |
| Equity - US Large Cap
Growth |
Variable Insurance Products Fund II
Fidelity®
Variable Insurance Products
Contrafund®
Portfolio Service Class 2
|
Fidelity Management &
Research Company, LLC /
FMR Investment
Management (UK) Limited,
Fidelity Management &
Research (Hong Kong)
Limited, Fidelity Management
& Research (Japan) Limited |
0.79% |
21.24% |
15.08% |
15.49% |
| Allocation - Target
Date |
Variable Insurance Products Fund V
Fidelity®
Variable Insurance Products Freedom 2015
Portfolio Service Class 23 |
Fidelity Management &
Research Company, LLC |
0.66% |
11.66% |
3.73% |
6.33% |
| Allocation - Target
Date |
Variable Insurance Products Fund V
Fidelity®
Variable Insurance Products Freedom 2020
Portfolio Service Class 23 |
Fidelity Management &
Research Company, LLC |
0.69% |
12.99% |
4.57% |
7.11% |
| Equity - US Mid Cap |
Variable Insurance Products Fund III
Fidelity®
Variable Insurance Products Mid Cap
Portfolio Service Class 2
|
Fidelity Management &
Research Company, LLC /
FMR Investment
Management (UK) Limited,
Fidelity Management &
Research (Hong Kong)
Limited, Fidelity Management
& Research (Japan) Limited |
0.80% |
11.49% |
9.83% |
10.31% |
| Equity - International
All Cap |
First Eagle Variable Funds
First Eagle Overseas Variable Fund |
First Eagle Investment
Management, LLC |
1.21%1 |
37.47% |
9.02% |
7.61% |
| Allocation - Cautious |
Franklin Templeton Variable Insurance
Products Trust
Franklin Income VIP Fund
Class 23 |
Franklin Advisers, Inc. |
0.72% |
12.56% |
7.66% |
7.30% |
| 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 -Large Cap
Equity |
Franklin Templeton Variable Insurance
Products Trust
Franklin Mutual Shares VIP Fund
Class 23 |
Franklin Mutual Advisers,
LLC |
0.94% |
11.52% |
9.20% |
7.53% |
| 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 Small Cap |
Franklin Templeton Variable Insurance
Products Trust
Franklin Small Cap Value VIP Fund
Class 23 |
Franklin Mutual Advisers,
LLC |
0.91%1 |
7.65% |
8.86% |
9.81% |
| 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% |
11
| Type |
Fund |
Adviser/Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/25) | ||
| 1 Year |
5 Year |
10 Year | ||||
| Fixed Income - US |
Franklin Templeton Variable Insurance
Products Trust
Franklin Strategic Income VIP Fund
Class 23 |
Franklin Advisers, Inc. |
1.07%1 |
7.24% |
1.92% |
3.10% |
| Fixed Income - US |
Franklin Templeton Variable Insurance
Products Trust
Franklin Strategic Income VIP Fund
Class 4 |
Franklin Advisers, Inc. |
1.17%1 |
7.05% |
1.81% |
3.00% |
| Equity - US Mid Cap |
AIM Variable Insurance Funds (Invesco
Variable Insurance Funds)
Invesco V.I. American Value Fund
Series II |
Invesco Advisers, Inc. |
1.14% |
20.76% |
17.56% |
12.01% |
| Equity - US Large Cap
Value |
AIM Variable Insurance Funds (Invesco
Variable Insurance Funds)
Invesco V.I. Comstock Fund
Series II |
Invesco Advisers, Inc. |
1.00% |
17.14% |
15.14% |
11.67% |
| Equity - US Large Cap
Growth |
AIM Variable Insurance Funds (Invesco
Variable Insurance Funds)
Invesco V.I. Discovery Large Cap Fund
Series II3 |
Invesco Advisers, Inc. |
1.05%1 |
12.53% |
11.41% |
13.94% |
| 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% |
| Equity - Global Large
Cap |
AIM Variable Insurance Funds (Invesco
Variable Insurance Funds)
Invesco V.I. EQV International Equity
Fund
Series II |
Invesco Advisers, Inc. |
1.15% |
16.23% |
3.42% |
5.95% |
| Equity - Global Large
Cap |
AIM Variable Insurance Funds (Invesco
Variable Insurance Funds)
Invesco V.I. Global Fund
Series II |
Invesco Advisers, Inc. |
1.06% |
15.02% |
7.01% |
10.72% |
| Equity - Global
Emerging Markets |
Lazard Retirement Series, Inc.
Lazard Retirement Emerging Markets
Equity Portfolio
Service Shares |
Lazard Asset
Management LLC |
1.38%1 |
41.77% |
10.76% |
9.35% |
| Fixed Income - US |
Lincoln Variable Insurance Products Trust
LVIP JPMorgan Core Bond Fund
Service Class |
Lincoln Financial Investments
Corporation / J.P. Morgan
Investment Management, Inc. |
0.71% |
7.15% |
-0.29% |
1.85% |
| Equity - US Large Cap
Blend |
Lincoln Variable Insurance Products Trust
LVIP JPMorgan U.S. Equity Fund
Service Class |
Lincoln Financial Investments
Corporation / J.P. Morgan
Investment Management, Inc. |
0.88% |
14.26% |
13.40% |
14.56% |
| Equity - US Large Cap
Value |
Lord Abbett Series Fund, Inc.
Fundamental Equity Portfolio
Class VC |
Lord, Abbett & Co. LLC |
1.08%1 |
14.29% |
11.36% |
9.75% |
| Equity - US Mid Cap |
Lord Abbett Series Fund, Inc.
Growth Opportunities Portfolio
Class VC |
Lord, Abbett & Co. LLC |
1.15% |
12.94% |
3.23% |
10.41% |
| 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% |
12
| Type |
Fund |
Adviser/Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/25) | ||
| 1 Year |
5 Year |
10 Year | ||||
| Fixed Income - US |
MFS® Variable Insurance Trust
II MFS®
Corporate Bond Portfolio Service
Class3 |
Massachusetts Financial
Services Company |
0.88%1 |
7.30% |
-0.32% |
3.06% |
| Equity - Global
Emerging Markets |
MFS® Variable Insurance Trust
II MFS®
Emerging Markets Equity
Portfolio
Service Class |
Massachusetts Financial
Services Company |
1.48%1 |
33.35% |
4.11% |
7.65% |
| 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% |
| Fixed Income - US |
MFS® Variable Insurance Trust
II MFS®
Government Securities Portfolio Service
Class |
Massachusetts Financial
Services Company |
0.81%1 |
6.63% |
-0.94% |
1.03% |
| 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% |
| Fixed Income - US |
MFS® Variable Insurance Trust
II MFS®
High Yield Portfolio Service
Class |
Massachusetts Financial
Services Company |
0.97%1 |
8.47% |
3.63% |
5.30% |
| Fixed Income - US |
MFS® Variable Insurance Trust
III MFS®
Inflation-Adjusted Bond Portfolio Service
Class |
Massachusetts Financial
Services Company |
0.85%1 |
8.17% |
-3.35% |
0.84% |
| Equity - Global Large
Cap |
MFS® Variable Insurance Trust
II MFS®
International Growth Portfolio Service
Class |
Massachusetts Financial
Services Company |
1.13%1 |
20.81% |
6.80% |
9.60% |
| Equity - Global Large
Cap |
MFS® Variable Insurance Trust
II MFS®
International Intrinsic Equity
Portfolio4
Service Class |
Massachusetts Financial
Services Company |
1.14%1 |
32.96% |
7.02% |
9.68% |
| Fixed Income - US |
MFS® Variable Insurance Trust
III MFS®
Limited Maturity Portfolio Service
Class |
Massachusetts Financial
Services Company |
0.73%1 |
5.49% |
2.29% |
2.44% |
| 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% |
| 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 - Global Large
Cap |
MFS® Variable Insurance Trust
II MFS®
Research International Portfolio Service
Class |
Massachusetts Financial
Services Company |
1.15%1 |
21.75% |
5.25% |
7.27% |
13
| 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 |
MFS® Variable Insurance
Trust MFS®
Research Series Service Class
|
Massachusetts Financial
Services Company |
0.99%1 |
12.57% |
10.87% |
12.65% |
| 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
Portfolio
Service Class5 |
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% |
| Equity - US Mid Cap |
Morgan Stanley Variable Insurance Fund,
Inc.
Discovery Portfolio
Class II |
Morgan Stanley Investment
Management, Inc. |
1.05%1 |
12.44% |
-5.46% |
14.04% |
| 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% |
| Allocation - Moderate |
PIMCO Variable Insurance Trust
PIMCO All Asset Portfolio
Advisor Class |
Pacific Investment
Management Company LLC /
Research Affiliates, LLC |
2.23%1 |
14.19% |
5.49% |
6.67% |
| Commodities Broad
Basket |
PIMCO Variable Insurance Trust
PIMCO CommodityRealReturn® Strategy Portfolio Administrative Class3 |
Pacific Investment
Management Company LLC |
3.19%1 |
18.79% |
10.55% |
6.54% |
| 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 -
Emerging Markets |
PIMCO Variable Insurance Trust
PIMCO Emerging Markets Bond
Portfolio
Administrative Class3 |
Pacific Investment
Management Company LLC |
1.17% |
14.98% |
2.44% |
5.06% |
| Fixed Income -
Emerging Markets |
PIMCO Variable Insurance Trust
PIMCO Emerging Markets Bond
Portfolio
Advisor Class |
Pacific Investment
Management Company LLC |
1.27% |
14.86% |
2.34% |
4.96% |
| Allocation - Moderate |
PIMCO Variable Insurance Trust
PIMCO Global Managed Asset Allocation
Portfolio
Advisor Class |
Pacific Investment
Management Company LLC |
1.31%1 |
21.77% |
6.94% |
7.88% |
| Equity - Global Large
Cap |
PIMCO Equity Series VIT
PIMCO StocksPLUS®
Global Portfolio Advisor
Class |
Pacific Investment
Management Company LLC |
0.93%1 |
24.25% |
10.89% |
11.07% |
| 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% |
14
| Type |
Fund |
Adviser/Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/25) | ||
| 1 Year |
5 Year |
10 Year | ||||
| Fixed Income - Global |
Franklin Templeton Variable Insurance
Products Trust
Templeton Global Bond VIP Fund
Class 4 |
Franklin Advisers, Inc. |
0.85%1 |
15.56% |
-1.05% |
-0.25% |
| Equity - Global Large
Cap |
Franklin Templeton Variable Insurance
Products Trust
Templeton Growth VIP Fund
Class 23 |
Templeton Global Advisors
Limited / Templeton Asset
Management Ltd. |
1.12%1 |
23.83% |
7.95% |
7.04% |
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 Columbia Variable Portfolio - Large Cap
Growth Fund.
3
This
Fund is not available for investment if you purchased your Contract on or after October 31, 2011.
4
Prior to April 30, 2026, the name of this fund was MFS® International Intrinsic Value 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.
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 section captioned “THE FIXED OPTIONS - THE DOLLAR-COST AVERAGING PROGRAM”, the sub-section captioned “Dollar-Cost
Averaging (or “DCA”) Program“ 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 |
| Dollar-Cost Averaging (or “DCA”) Program |
6 Months |
3% |
| Dollar-Cost Averaging (or “DCA”) Program |
12 Months |
3% |
You can find out about our current Guaranteed Interest Rates by calling us at (877) 253-2323.
15
APPENDIX B -LIST
OF DESIGNATED FUNDS AND OTHER INVESTMENT RESTRICTIONS
OF DESIGNATED FUNDS AND OTHER INVESTMENT RESTRICTIONS
If you own any of the optional living benefit riders listed below, 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 Income Maximizer (“SIM”) or
Income Maximizer Plus (“SIM Plus”), the only Funds, dollar-cost averaging programs, and asset allocation models that currently qualify as Designated Funds are as follows:
Asset Allocation Models
Build Your Own Portfolio
Dollar-Cost Averaging Program Options
6-Month DCA Period
12-Month DCA
Period
Funds
MFS®
Conservative Allocation Portfolio, Service Class
MFS® Global Tactical Allocation Portfolio, Service Class
For
Contracts participating in Income Riser III (“SIR
III”), the only Funds, dollar-cost averaging
program options, and asset allocation models that currently qualify as Designated Funds are as follows:
Asset Allocation Models
Build Your Own
Portfolio
Blended Model
Dollar-Cost Averaging Program
Options
6-Month DCA Period
12-Month DCA Period
Funds
AB Dynamic
Asset Allocation Portfolio, Class B
MFS® Conservative Allocation Portfolio, Service Class
MFS®
Global Tactical Allocation Portfolio, Service Class
MFS® Moderate Allocation Portfolio, Service Class
PIMCO All Asset Portfolio, Advisor Class
PIMCO Global Managed Asset Allocation Portfolio, Advisor Class
If you purchased your Contract on and after October 31, 2011, you may not invest in the following
Funds:
Columbia Variable Portfolio - Cornerstone Growth Fund, Class 2
Columbia Variable Portfolio - Overseas Core Fund, Class 2
Fidelity® Freedom 2015 Portfolio, Service Class 2 (of Variable Insurance
Products Fund IV)
Fidelity® Freedom 2020 Portfolio, Service Class 2 (of Variable Insurance
Products Fund IV)
Franklin Income VIP Fund, Class 2
Franklin Mutual Shares
VIP Fund, Class 2
Franklin Small Cap Value VIP
Fund, Class 2
Franklin Strategic Income VIP
Fund, Class 2
Invesco V.I. Discovery Large Cap Fund Fund, Series II Shares
MFS® Corporate Bond Portfolio, Service Class
PIMCO CommodityRealReturn® Strategy Portfolio, Administrative Class
PIMCO Emerging Markets Bond Portfolio, Administrative Class
Templeton Growth VIP
Fund, Class 2
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.
16
For
Contracts purchased with SIM or SIM Plus, the Funds available in each asset class and the percentage range assigned to each asset class under the Build Your Own Portfolio investment option are as follows:
| Balanced Funds 0% to 60% |
Fixed Income Funds 40% to 100% |
| AB Balanced Hedged Allocation Portfolio |
LVIP JPMorgan Core Bond Portfolio |
| AB Dynamic Asset Allocation Portfolio |
MFS® Government Securities Portfolio |
| BlackRock Global Allocation V.I. Fund |
MFS® Inflation-Adjusted Bond Portfolio |
| Fidelity® Balanced Portfolio (of Variable Insurance Products Fund
III) |
MFS® Limited Maturity Portfolio |
| Invesco V.I. Equity and Income Fund |
MFS® U.S. Government Money Market Portfolio |
| MFS® Conservative Allocation Portfolio |
MFS® Total Return Bond Series |
| MFS® Global Tactical Allocation Portfolio |
|
| MFS® Moderate Allocation Portfolio |
|
| MFS® Total Return Series |
|
| PIMCO All Asset Portfolio |
|
| PIMCO Global Managed Asset Allocation Portfolio |
|
For Contracts purchased on or after October 31, 2011, with SIR III, 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, then 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 50% |
40% to 60% |
10% to 30% |
0% to 20% |
0% to 20% |
0% to 10% |
| MFS® Total Return
Bond Series |
AB Dynamic Asset
Allocation Portfolio |
AB Balanced Hedged
Allocation Portfolio |
Lord Abbett Series
Fund,
Inc.- Fundamental Equity
Portfolio |
Franklin Small Cap
Value VIP
Fund |
Franklin Strategic
Income VIP
Fund |
| MFS® Government
Securities Portfolio |
PIMCO Global
Managed Asset
Allocation Portfolio |
Fidelity® Balanced
Portfolio (of Variable
Insurance Products
Fund
III) |
MFS® Value Series |
MFS® Blended
Research Small Cap
Equity Portfolio |
PIMCO Emerging
Markets Bond
Portfolio |
| MFS® U.S.
Government Money
Market Portfolio |
MFS® Global
Tactical Allocation
Portfolio |
Franklin Income
VIP
Fund |
Invesco V.I. Comstock
Fund |
Lord Abbett Series
Fund -
Growth Opportunities Portfolio |
MFS® Global Real
Estate Portfolio |
| MFS® Limited
Maturity Portfolio |
MFS® Moderate
Allocation Portfolio |
MFS® Total Return
Series |
Franklin Mutual
Shares VIP
Fund |
MFS® International
Intrinsic Equity
Portfolio |
PIMCO
CommodityRealReturn® Strategy Portfolio |
| MFS® Inflation-
Adjusted Bond
Portfolio |
MFS® Conservative
Allocation Portfolio |
Invesco V.I. Equity
and Income
Fund |
MFS® Utilities Series |
MFS® Research
International Portfolio |
MFS® Emerging
Markets Equity
Portfolio |
| LVIP JPMorgan Core
Bond Portfolio |
PIMCO All Asset
Portfolio |
MFS® Growth
Allocation Portfolio |
MFS® Core Equity
Portfolio |
First Eagle Overseas
Variable
Fund |
MFS® High Yield
Portfolio |
| |
|
BlackRock Global
Allocation V.I. Fund |
MFS® Research Series |
Invesco V.I. Global
Fund |
Lazard Retirement
Emerging Markets
Equity Portfolio |
| |
|
|
MFS® Mid Cap Value
Portfolio |
Fidelity® Mid Cap
Portfolio (of Variable
Insurance Products
Fund
III) |
Templeton Global Bond
VIP
Fund |
| |
|
|
LVIP JPMorgan
U.S. Equity Portfolio |
MFS® International
Growth Portfolio |
|
| |
|
|
Putnam VT Large Cap
Value
Fund |
MFS® Growth Series |
|
| |
|
|
|
CTIVP® - Principal
Blue Chip Growth Fund |
|
17
| 30% to 50% |
40% to 60% |
10% to 30% |
0% to 20% |
0% to 20% |
0% to 10% |
| |
|
|
|
MFS® Mid Cap Growth
Series |
|
| |
|
|
|
Morgan Stanley
Variable Insurance
Fund, Inc.
Discovery Portfolio |
|
| |
|
|
|
Invesco V.I. American
Value
Fund |
|
| |
|
|
|
Fidelity® Contrafund®
Portfolio (of Variable
Insurance Products
Fund
II) |
|
| |
|
|
|
MFS® New Discovery
Value Portfolio |
|
| |
|
|
|
MFS® New Discovery
Series |
|
| |
|
|
|
AB Discovery Value
Portfolio |
|
| |
|
|
|
Invesco V.I. EQV
International Equity
Fund |
|
| |
|
|
|
PIMCO StocksPLUS®
Global Portfolio |
|
| |
|
|
|
Morgan Stanley
Variable Insurance
Fund, Inc.
Growth Portfolio |
|
For Contracts purchased prior to October 31, 2011, with SIR III, 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, then 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 50% |
40% to 60% |
10% to 30% |
0% to 20% |
0% to 20% |
0% to 10% |
| MFS® Total Return
Bond Series |
AB Dynamic Asset
Allocation Portfolio |
AB Balanced Hedged
Allocation Portfolio |
Lord Abbett Series
Fund,
Inc.- Fundamental Equity
Portfolio |
Franklin Small Cap
Value VIP
Fund |
Franklin Strategic
Income VIP
Fund |
| MFS® Government
Securities Portfolio |
PIMCO Global
Managed Asset
Allocation Portfolio |
Fidelity® Balanced
Portfolio (of Variable
Insurance Products
Fund
III) |
MFS® Value Series |
MFS® Blended
Research Small Cap
Equity Portfolio |
PIMCO Emerging
Markets Bond Portfolio |
| MFS® Corporate Bond
Portfolio |
MFS® Global Tactical
Allocation Portfolio |
Franklin Income VIP
Fund |
Invesco V.I. Comstock
Fund |
Invesco V.I.Discovery
Large Cap Fund Fund |
MFS® Global Real
Estate Portfolio |
| LVIP JPMorgan Core
Bond Portfolio |
MFS® Moderate
Allocation Portfolio |
MFS® Total Return
Series |
Franklin Mutual Shares
VIP
Fund |
Lord Abbett Series
Fund, Inc.
- Growth Opportunities Portfolio |
PIMCO
CommodityRealReturn®
Strategy Portfolio |
| MFS® U.S.
Government Money
Market Portfolio |
MFS® Conservative
Allocation Portfolio |
Invesco V.I. Equity and
Income
Fund |
MFS® Utilities Series |
MFS® International
Intrinsic Equity
Portfolio |
MFS® Emerging
Markets Equity
Portfolio |
| MFS® Limited
Maturity Portfolio |
PIMCO All Asset
Portfolio |
Fidelity® Freedom 2015
Portfolio (of Variable
Insurance Products
Fund
IV) |
MFS® Core Equity
Portfolio |
MFS® Research
International Portfolio |
MFS® High Yield
Portfolio |
| MFS® Inflation-
Adjusted Bond
Portfolio |
|
Fidelity® Freedom 2020
Portfolio (of Variable
Insurance Products
Fund
IV) |
MFS® Research Series |
Templeton Growth VIP
Fund |
Lazard Retirement
Emerging Markets
Equity Portfolio |
| |
|
MFS® Growth
Allocation Portfolio |
MFS® Mid Cap Value
Portfolio |
First Eagle Overseas
Variable
Fund |
Templeton Global Bond VIP Fund |
18
| 30% to 50% |
40% to 60% |
10% to 30% |
0% to 20% |
0% to 20% |
0% to 10% |
| |
|
BlackRock Global
Allocation V.I. Fund |
LVIP JPMorgan
U.S. Equity Portfolio |
Invesco V.I. Global
Fund |
|
| |
|
|
Putnam VT Large Cap
Value
Fund |
Columbia Variable
Portfolio - Overseas
Core
Fund |
|
| |
|
|
|
Fidelity® Mid Cap
Portfolio (of Variable
Insurance Products
Fund
III) |
|
| |
|
|
|
MFS® International
Growth Portfolio |
|
| |
|
|
|
MFS® Growth Series |
|
| |
|
|
|
CTIVP® - Principal
Blue Chip Growth Fund |
|
| |
|
|
|
Columbia Variable
Portfolio - Cornerstone
Growth
Fund |
|
| |
|
|
|
MFS® Mid Cap Growth
Series |
|
| |
|
|
|
Morgan Stanley
Variable Insurance
Fund, Inc.
Discovery Portfolio |
|
| |
|
|
|
Invesco V.I. American
Value
Fund |
|
| |
|
|
|
Fidelity® Contrafund®
Portfolio (of Variable
Insurance Products
Fund
II) |
|
| |
|
|
|
MFS® New Discovery
Value Portfolio |
|
| |
|
|
|
MFS® New Discovery
Series |
|
| |
|
|
|
AB Discovery Value
Portfolio |
|
| |
|
|
|
Invesco V.I. EQV
International Equity
Fund |
|
| |
|
|
|
PIMCO StocksPLUS®
Global Portfolio |
|
| |
|
|
|
Morgan Stanley
Variable Insurance
Fund, Inc.
Growth Portfolio |
|
19
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, the SAI, or other information at no cost at https://dfinreports.com/delawarelife, or 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/86680A186?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: [email protected].
EDGAR Contract Identifier No.: C000092926
20
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