UPDATING SUMMARY PROSPECTUS
MASTERS EXTRA VARIABLE ANNUITY
Issued By
DELAWARE LIFE INSURANCE COMPANY
June 30, 2026
The Masters Extra Variable Annuity (the “Contract”) is a flexible payment deferred variable annuity contract. Delaware Life Insurance Company (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 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/866792773?site=Annuity. Copies are also available to you upon request, without charge, by calling (800) 477-6545 or by sending an email request to customer.relations@delawarelife.com. As a reminder, the Company’s 2025 audited financial statements were delayed due to a review of the Company’s affiliate and related-party transactions, which has been completed. The review identified errors relating to the identification and presentation of certain related-party investments and, to correct the errors, the Company has restated certain 2024 disclosures in the Notes to the 2025 audited financial statements. Other than the corrected Notes disclosures, there has been no restatement of the 2024 information set forth in the 2025 financial statements. Please see the Company’s 2025 audited financial statements for additional information.
The financial guarantees we provide under your Contract are supported by the Company’s general account and are subject to the Company’s financial strength and claims-paying ability. The Company’s financial statements are relevant to the Company’s ability to meet its financial obligations under your Contract and should not be considered as having any bearing on the investment performance of the assets held in Delaware Life Variable Account F (the “Variable Account”).
Audited financial statements for the Variable Account for the year ended December 31, 2025 are available to you online at https://dfinview.com/DelawareLife/TAHD/866792773?site=Annuity. Additional copies may be obtained upon request, without charge, by calling (800) 477-6545 or by sending an email request to customer.relations@delawarelife.com.
*****************************************
The prospectus for the Contract contains more information about the Contract including its features, benefits, and risks. If you have any questions about the Contract and wish to talk to a representative, you may call (877) 253-2323. You can find the current prospectus and other information about the Contract online at http://connect.rightprospectus.com/DelawareLife/TAHD/866792773?&site=Annuity. You can also obtain this information at no cost at https://dfinreports.com/delawarelife, by calling (800) 477-6545, or by sending an email request to customer.relations@delawarelife.com.
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.
Table of Contents 
3
5
6
10
17
2
SPECIAL TERMS
The following terms as used in this Prospectus have the indicated meanings:
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 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 invests.
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.
INVESTMENT OPTION: A Fixed Option and/or Variable Option, as applicable, under the Contract.
3
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 VALUE: The value of that portion of your Account allocated to the Variable Account.
VARIABLE ACCUMULATION UNIT: A unit of measure used in the calculation of Variable Account Value.
VARIABLE ACCOUNT: Delaware Life Variable Account F, which is a separate account of the Company registered under the Investment Company Act of 1940 and consisting of assets set aside by the Company, the investment performance of which is kept separate from that of the general assets of the Company and which is not chargeable with liabilities arising out of any other business of the Company.
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 May 1, 2025. This may not reflect all the changes that have occurred since you entered into your Contract.
Changes Affecting the Funds
Adviser
For the Acorn Fund, effective July 7, 2025, Columbia Management Investment Advisers, LLC replaced Wanger Asset Management LLC as adviser of the Fund.
Subadviser
For Templeton Growth VIP Fund, effective August 1, 2025, Templeton Asset Management Ltd. no longer 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
Columbia Variable Portfolio-Small Cap Value Fund
Columbia Variable Portfolio-Small Cap Value  
Discovery Fund
CTIVP®-Principal Growth Fund
CTIVP®-Principal Large Cap Growth Fund
MFS® International Intrinsic Value Portfolio
MFS® International Intrinsic Equity Portfolio
Templeton Developing Markets VIP Fund
Templeton Emerging Markets VIP Fund
Wanger Acorn Fund
Columbia Variable Portfolio -Acorn Fund
Expenses and Performance Information
The expenses and performance information have been updated and are reflected in Appendix A- Investment Options Available under the Contract and “IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT”, “FEES AND EXPENSES” in this updating summary prospectus.
   
5
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,
Withdrawal
Charges, and
Market Value
Adjustment
Are There
Transaction
Charges?
Yes. In addition to charges for early 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
1.70%1,2
1.70%1,2
Investment Options
(Fund fees and expenses)
0.66%3
3.38%3
Optional Benefits Available for an
Additional Charge (for a single
optional benefit, if elected)
0.20%1
1.30%4
 
1
As a percentage of average daily net Variable Account assets.
2
For Contracts purchased prior to March 5, 2007, if you were age 76 or older on the
Contract’s Open Date, the rate is 1.90%.
3
As a percentage of Fund net assets.
4
As a percentage of the highest Withdrawal Benefit Base (for the Income Riser Living
Benefit or highest Fee Base (for the Income ON Demand III Escalator Living Benefit)
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.
6
 
FEES AND EXPENSES (CONT.)
Location In The
Prospectus
 
Lowest Annual Cost:
$2,197
Highest Annual Cost:
$5,370
 
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
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,
Withdrawal
Charges, and
Market Value
Adjustment
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 Guarantee
Periods
7
 
RISKS
Location In The
Prospectus
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 Guarantee
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. At least 30 days must elapse between
transfers to and from Guarantee Periods. 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 Guarantee
Periods
Transfer Privilege
Appendix A –
Investment
Options Available
Under the
Contract
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
Appendix E -
Optional Death
Benefits and
Examples
8
 
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
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/866792773?site=Annuity. You can also request this information at no cost at https://dfinreports.com/DelawareLife, by calling (800) 477-6545, or by sending an email request to customer.relations@delawarelife.com.  Depending on the optional benefits you choose, you may not be able to invest in certain Funds. See APPENDIX B - LIST OF DESIGNATED FUNDS AND OTHER INVESTMENT RESTRICTIONS.
We identify below all financial intermediary variations in Fund availability that are known to us. 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 B1
AllianceBernstein, L.P.
0.98%2
17.36%
5.64%
6.74%
Equity - US Small Cap
AB Variable Products Series Fund, Inc.
Discovery Value Portfolio
Class B1
AllianceBernstein, L.P.
1.07%
2.64%
8.48%
8.27%
Allocation - Moderate
AB Variable Products Series Fund, Inc.
Dynamic Asset Allocation Portfolio
Class B1
AllianceBernstein, L.P.
1.10%2
13.21%
4.74%
5.25%
Equity - Global Large
Cap
AB Variable Products Series Fund, Inc.
International Value Portfolio
Class B1,3
AllianceBernstein, L.P.
1.17%
41.27%
10.19%
6.37%
Allocation - Moderate
BlackRock Variable Series Funds, Inc.
BlackRock Global Allocation V.I. Fund
Class III1
BlackRock Advisors, LLC /
 BlackRock International
Limited, BlackRock
(Singapore) Limited
1.01%2
19.42%
5.51%
7.33%
Equity - US Small Cap
Columbia Funds Variable Insurance Trust
Acorn Fund4
Columbia Management
Investment Advisers, LLC
0.91%2
4.47%
1.02%
8.66%
Equity - US Large Cap
Growth
Columbia Funds Variable Series Trust II
Columbia Variable Portfolio –
Cornerstone Growth Fund5
Class 16,7
Columbia Management
Investment Advisers, LLC
0.72%
16.14
14.04%
15.97%
Equity - US Large Cap
Growth
Columbia Funds Variable Series Trust II
Columbia Variable Portfolio –
Cornerstone Growth Fund5
Class 2
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 2
Columbia Management
Investment Advisers, LLC
1.04%
37.96%
8.92%
7.55%
10
Type
Fund
Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/25)
1 Year
5 Year
10 Year
Equity - US Small Cap
Columbia Funds Variable Insurance Trust
Columbia Variable Portfolio – Small Cap
Value Discovery Fund8
Class 24
Columbia Management
Investment Advisers, LLC
1.13%2
14.66%
12.19%
11.20%
Equity - US Large Cap
Growth
Columbia Funds Variable Series Trust II
CTIVP®– Principal Large Cap Growth
Fund
Class 16,7
Columbia Management
Investment Advisers, LLC /
 Principal Global Investors,
LLC
0.69%
13.78%
10.47%
14.66%
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%
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 21
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 2010 Portfolio
Service Class 23
Fidelity Management &
Research Company, LLC
0.63%
10.26%
2.89%
5.46%
Allocation - Target
Date
Variable Insurance Products Fund V
Fidelity® Variable Insurance Products
Freedom 2015 Portfolio
Service Class 2
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 2
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%2
37.47%
9.02%
7.61%
11
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 21,9
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
0.82%2
12.60%
5.73%
7.32%
Allocation - Cautious
Franklin Templeton Variable Insurance
Products Trust
Franklin Income VIP Fund
Class 2
Franklin Advisers, Inc.
0.72%
12.56%
7.66%
7.30%
Allocation -Large Cap
Equity
Franklin Templeton Variable Insurance
Products Trust
Franklin Mutual Shares VIP Fund
Class 2
Franklin Mutual Advisers,
LLC
0.94%
11.52%
9.20%
7.53%
Equity - US Small Cap
Franklin Templeton Variable Insurance
Products Trust
Franklin Small Cap Value VIP Fund
Class 2
Franklin Mutual Advisers,
LLC
0.91%2
7.65%
8.86%
9.81%
Fixed Income - US
Franklin Templeton Variable Insurance
Products Trust
Franklin Strategic Income VIP Fund
Class 2
Franklin Advisers, Inc.
1.07%2
7.24%
1.92%
3.10%
Equity - US Mid Cap
AIM Variable Insurance Funds (Invesco
Variable Insurance Funds)
Invesco V.I. American Value Fund
Series II1
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 II
Invesco Advisers, Inc.
1.05%2
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 II1
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 - US Large Cap
Blend
AIM Variable Insurance Funds (Invesco
Variable Insurance Funds)
Invesco V.I. Main Street Fund®
Series II3
Invesco Advisers, Inc.
1.05%2
15.64%
12.19%
12.25%
12
Type
Fund
Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/25)
1 Year
5 Year
10 Year
Equity - US Small Cap
AIM Variable Insurance Funds (Invesco
Variable Insurance Funds)
Invesco V.I. Main Street Small Cap Fund®
Series II6
Invesco Advisers, Inc.
1.09%
8.44%
8.07%
10.31%
Equity - Global
Emerging Markets
Lazard Retirement Series, Inc.
Lazard Retirement Emerging Markets
Equity Portfolio
Service Shares1
Lazard Asset
Management LLC
1.38%2
41.77%
10.76%
9.35%
Fixed Income - US
Lincoln Variable Insurance Products Trust
LVIP JPMorgan Core Bond Fund
Service Class1
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 Class1
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%2
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 Large Cap
Blend
MFS® Variable Insurance Trust II
MFS® Blended Research® Core Equity
Portfolio
Service Class6
Massachusetts Financial
Services Company
0.55%2
15.82%
15.01%
13.59%
Equity - US Small Cap
MFS® Variable Insurance Trust III
MFS® Blended Research® Small Cap
Equity Portfolio
Service Class
Massachusetts Financial
Services Company
0.83%2
5.49%
6.62%
8.82%
Allocation - Cautious
MFS® Variable Insurance Trust III
MFS® Conservative Allocation Portfolio
Service Class1
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%2
12.22%
11.26%
13.53%
Fixed Income - US
MFS® Variable Insurance Trust II
MFS® Corporate Bond Portfolio
Service Class
Massachusetts Financial
Services Company
0.88%2
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%2
33.35%
4.11%
7.65%
Equity - Global Large
Cap
MFS® Variable Insurance Trust II
MFS® Global Growth Portfolio
Service Class10
Massachusetts Financial
Services Company
1.13%2
7.43%
6.50%
11.48%
Equity - Real Estate
Sector
MFS® Variable Insurance Trust III
MFS® Global Real Estate Portfolio
Initial Class10
Massachusetts Financial
Services Company
0.90%2
3.53%
1.32%
5.01%
Equity - Real Estate
Sector
MFS® Variable Insurance Trust III
MFS® Global Real Estate Portfolio
Service Class
Massachusetts Financial
Services Company
1.15%2
3.30%
1.08%
4.76%
Equity - Global Large
Cap
MFS® Variable Insurance Trust II
MFS® Global Research Portfolio
Service Class6
Massachusetts Financial
Services Company
1.10%2
16.07%
9.03%
10.93%
Allocation - Cautious
MFS® Variable Insurance Trust II
MFS® Global Tactical Allocation Portfolio
Service Class1
Massachusetts Financial
Services Company
1.03%2
15.21%
4.60%
5.40%
13
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® Government Securities Portfolio
Service Class
Massachusetts Financial
Services Company
0.81%2
6.63%
-0.94%
1.03%
Allocation - Aggressive
MFS® Variable Insurance Trust III
MFS® Growth Allocation Portfolio
Service Class1
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%2
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%2
8.47%
3.63%
5.30%
Fixed Income - US
MFS® Variable Insurance Trust II
MFS® Income Portfolio
Service Class10
Massachusetts Financial
Services Company
0.92%2
7.09%
0.41%
3.33%
Fixed Income - US
MFS® Variable Insurance Trust III
MFS® Inflation-Adjusted Bond Portfolio
Service Class1
Massachusetts Financial
Services Company
0.85%2
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%2
20.81%
6.80%
9.60%
Equity - Global Large
Cap
MFS® Variable Insurance Trust II
MFS® International Intrinsic Equity
Portfolio11
Service Class
Massachusetts Financial
Services Company
1.14%2
32.96%
7.02%
9.68%
Fixed Income - US
MFS® Variable Insurance Trust III
MFS® Limited Maturity Portfolio
Initial Class12
Massachusetts Financial
Services Company
0.48%2
5.83%
2.56%
2.70%
Fixed Income - US
MFS® Variable Insurance Trust III
MFS® Limited Maturity Portfolio
Service Class1
Massachusetts Financial
Services Company
0.73%2
5.49%
2.29%
2.44%
Equity - US Large Cap
Growth
MFS® Variable Insurance Trust II
MFS® Massachusetts Investors Growth
Stock Portfolio
Service Class6
Massachusetts Financial
Services Company
0.97%2
9.61%
9.74%
13.98%
Equity - US Mid Cap
MFS® Variable Insurance Trust
MFS® Mid Cap Growth Series
Service Class1
Massachusetts Financial
Services Company
1.06%2
3.40%
3.03%
11.32%
Equity - US Mid Cap
MFS® Variable Insurance Trust III
MFS® Mid Cap Value Portfolio
Initial Class12
Massachusetts Financial
Services Company
0.79%2
5.98%
10.18%
9.95%
Equity - US Mid Cap
MFS® Variable Insurance Trust III
MFS® Mid Cap Value Portfolio
Service Class1
Massachusetts Financial
Services Company
1.04%2
5.75%
9.90%
9.69%
Allocation - Moderate
MFS® Variable Insurance Trust III
MFS® Moderate Allocation Portfolio
Service Class1
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 Class1
Massachusetts Financial
Services Company
1.12%2
12.56%
-0.54%
10.46%
Equity - US Small Cap
MFS® Variable Insurance Trust III
MFS® New Discovery Value Portfolio
Service Class1
Massachusetts Financial
Services Company
1.13%2
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%2
21.75%
5.25%
7.27%
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
MFS® Variable Insurance Trust
MFS® Research Series
Service Class
Massachusetts Financial
Services Company
0.99%2
12.57%
10.87%
12.65%
Fixed Income - US
MFS® Variable Insurance Trust
MFS® Total Return Bond Series
Service Class1
Massachusetts Financial
Services Company
0.78%2
6.94%
-0.09%
2.38%
Allocation - Moderate
MFS® Variable Insurance Trust
MFS® Total Return Series
Service Class
Massachusetts Financial
Services Company
0.86%2
10.91%
6.16%
7.36%
US Money Market
MFS® Variable Insurance Trust II
MFS® U.S. Government Money Market
Portfolio
Service Class13
Massachusetts Financial
Services Company
0.45%2
3.85%
2.87%
1.77%
Equity - Utilities
Sector
MFS® Variable Insurance Trust
MFS® Utilities Series
Service Class
Massachusetts Financial
Services Company
1.03%2
14.76%
7.38%
9.22%
Equity - US Large Cap
Value
MFS® Variable Insurance Trust
MFS® Value Series
Initial Class12
Massachusetts Financial
Services Company
0.69%2
13.01%
9.95%
10.05%
Equity - US Large Cap
Value
MFS® Variable Insurance Trust
MFS® Value Series
Service Class
Massachusetts Financial
Services Company
0.94%2
12.77%
9.69%
9.77%
Equity - US Mid Cap
Morgan Stanley Variable Insurance Fund,
Inc.
Discovery Portfolio
Class II1
Morgan Stanley Investment
Management, Inc.
1.05%2
12.44%
-5.46%
14.04%
Equity - US Large Cap
Growth
Morgan Stanley Variable Insurance Fund,
Inc.
Growth Portfolio
Class II1
Morgan Stanley Investment
Management, Inc.
0.82%2
35.38%
3.15%
17.46%
Allocation - Moderate
PIMCO Variable Insurance Trust
PIMCO All Asset Portfolio
Administrative Class
Pacific Investment
Management Company LLC /
 Research Affiliates, LLC
2.13%2
14.20%
5.60%
6.77%
Commodities Broad
Basket
PIMCO Variable Insurance Trust
PIMCO CommodityRealReturn®
Strategy Portfolio
Administrative Class
Pacific Investment
Management Company LLC
3.19%2
18.79%
10.55%
6.54%
Fixed Income -
Emerging Markets
PIMCO Variable Insurance Trust
PIMCO Emerging Markets Bond
Portfolio
Administrative Class
Pacific Investment
Management Company LLC
1.17%
14.98%
2.44%
5.06%
Allocation - Moderate
PIMCO Variable Insurance Trust
PIMCO Global Managed Asset Allocation
Portfolio
Advisor Class1
Pacific Investment
Management Company LLC
1.31%2
21.77%
6.94%
7.88%
Fixed Income - US
PIMCO Variable Insurance Trust
PIMCO Real Return Portfolio
Administrative Class3
Pacific Investment
Management Company LLC
1.39%
7.85%
1.21%
3.21%
Equity - Global Large
Cap
PIMCO Equity Series VIT
PIMCO StocksPLUS® Global Portfolio
Advisor Class1
Pacific Investment
Management Company LLC
0.93%2
24.25%
10.89%
11.07%
Fixed Income - US
PIMCO Variable Insurance Trust
PIMCO Total Return Portfolio
Administrative Class3
Pacific Investment
Management Company LLC
0.73%
8.89%
0.02%
2.36%
15
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
Value
Putnam Variable Trust
Putnam VT Large Cap Value Fund
Class IB1
Putnam Investment
Management, LLC / Franklin
Advisers, Inc, Franklin
Templeton Investment
Management Limited
0.79%
20.35%
15.38%
13.30%
Equity - Global
Emerging Markets
Franklin Templeton Variable Insurance
Products Trust
Templeton Emerging Markets VIP Fund14
Class 212
Templeton Asset Management
Ltd. / Franklin Templeton
Investment Management
Limited
1.37%
46.27%
5.46%
10.40%
Equity - Global Large
Cap
Franklin Templeton Variable Insurance
Products Trust
Templeton Foreign VIP Fund
Class 212
Templeton Investment
Counsel, LLC
1.08%2
29.19%
8.25%
5.75%
Fixed Income - Global
Franklin Templeton Variable Insurance
Products Trust
Templeton Global Bond VIP Fund
Class 41
Franklin Advisers, Inc.
0.85%2
15.56%
-1.05%
-0.25%
Equity - Global Large
Cap
Franklin Templeton Variable Insurance
Products Trust
Templeton Growth VIP Fund
Class 2
Templeton Global Advisors
Limited / Templeton Asset
Management Ltd.
1.12%2
23.83%
7.95%
7.04%
1
Not available for investment if you purchased your Contract through a Bank of America representative between April 25, 2005 and April 30, 2007.
2
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.
3
Only available for investment if you purchased your Contract before October 20, 2008.
4
Only available for investment if you purchased your Contract through a Bank of America representative before April 22, 2007.
5
Prior to May 1, 2026, the name of this fund was Columbia Variable Portfolio - Large Cap Growth Fund.
6
Only available for investment if you purchased your Contract before March 5, 2007.
7
Only available for investment if you purchased your Contract through a Bank of America representative.
8
Prior to May 1, 2026, the name of this fund was Columbia Variable Portfolio - Small Cap Value Fund.
9
Only available for investment if you purchased your Contract before February 17, 2009.
10
Only available for investment if you purchased your Contract before February 2, 2004.
11
Prior to April 30, 2026, the name of this fund was MFS® International Intrinsic Value Portfolio.
12
Only available for investment if you purchased your Contract before March 10, 2008.
13
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.
14
Prior to May 1, 2026, the name of this fund was Templeton Developing Markets VIP Fund.
 Fixed Options

The following is the list of the Fixed Options currently available under the Contract. We may change the features of the Fixed Options listed below, offer new Fixed Options, and cease offering an existing Fixed Option. We will provide you with written notice before doing so. In the prospectus, see the sections captioned “THE FIXED ACCOUNT” and “THE FIXED OPTIONS: THE GUARANTEE PERIODS”, 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.
16
APPENDIX B -LIST
OF DESIGNATED FUNDS AND OTHER INVESTMENT RESTRICTIONS
If you own any of the optional living benefit riders, your Contract is subject to investment restrictions that limit the investment options that are available to you. If you violate the investment restrictions applicable to your benefit, your living benefit will terminate automatically.
Investment Restrictions
For Contracts participating in SIR with a 7% bonus, the only Funds, dollar-cost averaging program options, and asset allocation models that currently qualify as Designated Funds are as follows: 
Asset Allocation Models
Build Your Own Portfolio
Blended Model
Dollar-Cost Averaging Program Options
6-Month DCA Guarantee Option12-Month DCA Guarantee Option
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, Administrative Class
PIMCO Global Managed Asset Allocation Portfolio, Advisor Class
For all other Contracts participating in a living benefit including SIR with a 6% bonus, the only Funds, dollar-cost averaging programs, and asset allocation models that are deemed to be Designated Funds are: 
Asset Allocation Models
90/10 Masters Model1, 2
80/20 Masters Model2,3
Build Your Own Portfolio
Blended Model2
Dollar-Cost Averaging Program Options
6-Month DCA Guarantee Option
12-Month DCA Guarantee Option
Funds
AB Balanced Hedged Allocation Fund, Class B2
AB Dynamic Asset Allocation Portfolio, Class B2
BlackRock Global Allocation V.I. Fund, Class III2
Fidelity® Balanced Portfolio, Service Class 2
(of Variable Insurance Products Fund III)
Funds (continued)
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)
Invesco V.I. Equity and Income Fund, Series II2
MFS® Conservative Allocation Portfolio, Service Class2
MFS® Global Tactical Allocation Portfolio, Service Class
MFS® Growth Allocation Portfolio, Service Class2
MFS® Moderate Allocation Portfolio, Service Class2
MFS® Total Return Series, Service Class
PIMCO All Asset Portfolio, Administrative Class
PIMCO Global Managed Asset Allocation Portfolio, Advisor Class2
1
Not available to Contracts purchased on or after February 17, 2009.
2
Not available if you purchased your Contract through a Bank of America representative between April 25, 2005 and April 20, 2007.
3
Not available to Contracts purchased on or after August 17, 2009.
17
Build Your Own Portfolio - If you comply with this model, the portfolio you build will satisfy the Designated Funds requirement under certain optional living benefits. If you do not comply with the allocation percentage limits in effect under your Contract, your selection of the Build Your Own Portfolio model will not qualify as a Designated Fund and your participation in the living benefit will be cancelled. For Contracts with the Income Riser with 7% bonus, the following is the Build Your Own Portfolio model that applies to your Contract. 
30% to 50%
40% to 60%
10% to 30%
0% to 20%
0% to 20%
0% to 10%
MFS® 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
MFS® U.S. Government
Money Market 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® Limited Maturity
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® Inflation-
Adjusted Bond
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
LVIP JPMorgan Core
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
 
 
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)
 
18
30% to 50%
40% to 60%
10% to 30%
0% to 20%
0% to 20%
0% to 10%
 
 
 
 
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
For all Contracts purchased on or after August 17, 2009 and before February 8, 2010, including Contracts with SIR with a 6% bonus, the following is the Build Your Own Portfolio model that applies to your Contract. If you do not comply with the allocation percentage limits in effect under your Contract, your selection of the Build Your Own Portfolio model will not qualify as a Designated Fund and your participation in the living benefit will be cancelled. 
30% to 80%
20% to 70%
0% to 50%
0% to 30%
0% to 10%
MFS® Total Return Bond
Series
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
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
Franklin Income VIP Fund
Invesco V.I. Comstock Fund
Invesco V.I. Discovery Large
Cap Fund Fund
MFS® Global Real Estate
Portfolio
MFS® U.S. Government
Money Market Portfolio
MFS® Total Return Series
Franklin Mutual Shares VIP
Fund
Lord Abbett Series Fund,
Inc. - Growth Opportunities
Portfolio
PIMCO Commodity
RealReturn® Strategy
Portfolio
MFS® Limited Maturity
Portfolio
Invesco V.I. Equity and
Income Fund
MFS® Utilities Series
MFS® International Intrinsic
Equity Portfolio
MFS® Emerging Markets
Equity Portfolio
MFS® Inflation-Adjusted
Bond Portfolio
Fidelity® Freedom 2015
Portfolio (of Variable
Insurance Products Fund IV)
MFS® Core Equity Portfolio
MFS® Research
International Portfolio
MFS® High Yield Portfolio
LVIP JPMorgan Core 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® Moderate Allocation
Portfolio
MFS® Mid Cap Value
Portfolio
First Eagle Overseas Variable
Fund
PIMCO All Asset Portfolio
 
MFS® Conservative
Allocation Portfolio
LVIP JPMorgan U.S. Equity
Portfolio
Invesco V.I. Global Fund
Templeton Global Bond VIP
Fund
 
MFS® Growth Allocation
Portfolio
Putnam VT Large Cap Value
Fund
Columbia Variable Portfolio
- Overseas Core Fund
 
 
BlackRock Global
Allocation V.I. Fund
 
Fidelity® Mid Cap Portfolio
(of Variable Insurance
Products Fund III)
 
 
PIMCO Global Managed
Asset Allocation Portfolio
 
MFS® International Growth
Portfolio
 
 
MFS® Global Tactical
Allocation Portfolio
 
MFS® Growth Series
 
 
AB Dynamic Asset
Allocation Portfolio
 
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
 
20
30% to 80%
20% to 70%
0% to 50%
0% to 30%
0% to 10%
 
 
 
PIMCO StocksPLUS®
Global Portfolio
 
 
 
 
Morgan Stanley Variable
Insurance Fund, Inc. Growth
Portfolio
 
21
For Contracts purchased after February 16, 2009, and prior to August 17, 2009, the following is the Build Your Own Portfolio model that applies to your Contract. If you do not comply with the allocation percentage limits in effect under your Contract, your selection of the Build Your Own Portfolio model will not qualify as a Designated Fund and your participation in the living benefit will be cancelled. 
30% to 80%
0% to 70%
0% to 70%
0% to 30%
0% to 10%
MFS® Total Return Bond
Series
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
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
Franklin Income VIP Fund
Invesco V.I. Comstock Fund
Invesco V.I. Discovery Large
Cap Fund Fund
MFS® Global Real Estate
Portfolio
MFS® U.S. Government
Money Market Portfolio
MFS® Total Return Series
Franklin Mutual Shares VIP
Fund
Lord Abbett Series Fund,
Inc. - Growth Opportunities
Portfolio
PIMCO Commodity
RealReturn® Strategy
Portfolio
MFS® Limited Maturity
Portfolio
Invesco V.I. Equity and
Income Fund
MFS® Utilities Series
MFS® International Intrinsic
Equity Portfolio
MFS® Emerging Markets
Equity Portfolio
MFS® Inflation-Adjusted
Bond Portfolio
Fidelity® Freedom 2015
Portfolio (of Variable
Insurance Products Fund IV)
MFS® Core Equity Portfolio
MFS® Research
International Portfolio
MFS® High Yield Portfolio
LVIP JPMorgan Core 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® Moderate Allocation
Portfolio
MFS® Mid Cap Value
Portfolio
First Eagle Overseas Variable
Fund
PIMCO All Asset Portfolio
 
MFS® Conservative
Allocation Portfolio
LVIP JPMorgan U.S. Equity
Portfolio
Invesco V.I. Global Fund
Templeton Global Bond VIP
Fund
 
MFS® Growth Allocation
Portfolio
Putnam VT Large Cap Value
Fund
Columbia Variable Portfolio
- Overseas Core Fund
 
 
BlackRock Global
Allocation V.I. Fund
 
Fidelity® Mid Cap Portfolio
(of Variable Insurance
Products Fund III)
 
 
PIMCO Global Managed
Asset Allocation Portfolio
 
MFS® International Growth
Portfolio
 
 
MFS® Global Tactical
Allocation Portfolio
 
MFS® Growth Series
 
 
AB Dynamic Asset
Allocation Portfolio
 
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
 
22
30% to 80%
0% to 70%
0% to 70%
0% to 30%
0% to 10%
 
 
 
PIMCO StocksPLUS®
Global Portfolio
 
 
 
 
Morgan Stanley Variable
Insurance Fund, Inc. Growth
Portfolio
 
For Contracts purchased prior to February 17, 2009, the following is the Build Your Own Portfolio model that applies to your Contract. If you do not comply with the allocation percentage limits in effect under your Contract, your selection of the Build Your Own Portfolio model will not qualify as a Designated Fund and your participation in the living benefit will be cancelled. 
25% to 80%
0% to 75%
0% to 75%
0% to 30%
0% to 10%
PIMCO Total Return
Portfolio6
AB Balanced Hedged
Allocation Portfolio7
Lord Abbett Series Fund,
Inc. - Fundamental Equity
Portfolio
Franklin Small Cap Value
VIP Fund
Franklin Strategic Income
VIP Fund
MFS® Total Return Bond
Series7
Fidelity® Balanced Portfolio
(of Variable Insurance
Products Fund III)
MFS® Value Series
MFS® Blended Research
Small Cap Equity Portfolio
MFS® High Yield Portfolio7
MFS® Government
Securities Portfolio
Franklin Income VIP Fund
Invesco V.I. Comstock Fund
Invesco V.I. Discovery Large
Cap Fund Fund
PIMCO Emerging Markets
Bond Portfolio
MFS® Corporate Bond
Portfolio
Franklin Allocation VIP
Fund7
Franklin Mutual Shares VIP
Fund
Lord Abbett Series Fund,
Inc. - Growth Opportunities
Portfolio
MFS® Global Real Estate
Portfolio
PIMCO Real Return
Portfolio6
MFS® Total Return Series
MFS® Utilities Series
Invesco V.I. Main Street
Small Cap Fund®2
PIMCO Commodity
RealReturn® Strategy
Portfolio
MFS® U.S. Government
Money Market Portfolio
Invesco V.I. Equity and
Income Fund
MFS® Blended Research®
Core Equity Portfolio2
MFS® New Discovery Series
Templeton Developing
Markets VIP Fund5
MFS® Limited Maturity
Portfolio7
Fidelity® Freedom 2010
Portfolio (of Variable
Insurance Products Fund
IV)6
MFS® Global Research
Portfolio2
MFS® Mass Investors
Growth Stock Portfolio2
MFS® Emerging Markets
Equity Portfolio
MFS® Inflation-Adjusted
Bond Portfolio7
Fidelity® Freedom 2015
Portfolio (of Variable
Insurance Products Fund IV)
MFS® Core Equity Portfolio
MFS® International Intrinsic
EquityPortfolio
MFS® Income Portfolio1
LVIP JPMorgan Core Bond
Portfolio7
Fidelity® Freedom 2020
Portfolio (of Variable
Insurance Products Fund IV)
MFS® Research Series
Templeton Foreign VIP
Fund5
Lazard Retirement Emerging
Markets Equity Portfolio7
 
MFS® Moderate Allocation
Portfolio7
Invesco V.I. Main St.Fund®6
MFS® Research
International Portfolio
PIMCO All Asset Portfolio
 
MFS® Conservative
Allocation Portfolio7
MFS® Mid Cap Value
Portfolio7
Templeton Growth VIP Fund
Templeton Global Bond VIP
Fund7
 
MFS® Growth Allocation
Portfolio7
LVIP JPMorgan U.S. Equity
Portfolio7
First Eagle Overseas Variable
Fund
 
 
BlackRock Global
Allocation V.I. Fund7
Putnam VT Large Cap Value
Fund7
Invesco V.I. Global Fund
 
 
PIMCO Global Managed
Asset Allocation Portfolio7
 
Columbia Variable Portfolio
- Overseas Core Fund
 
 
MFS® Global Tactical
Allocation Portfolio7
 
Fidelity® Mid Cap Portfolio
(of Variable Insurance
Products Fund III)
 
 
AB Dynamic Asset
Allocation Portfolio7
 
Wanger Acorn3
 
 
 
 
Columbia Variable Portfolio
- Small Cap Value
DiscoveryFund 3
 
 
 
 
MFS® International Growth
Portfolio
 
 
 
 
MFS® Growth Series
 
23
25% to 80%
0% to 75%
0% to 75%
0% to 30%
0% to 10%
 
 
 
CTIVP® - Principal Blue
Chip Growth Fund4
 
 
 
 
Columbia Variable Portfolio
- Cornerstone Growth Fund4
 
 
 
 
MFS® Global Growth
Portfolio1
 
 
 
 
MFS® Mid Cap Growth
Series7
 
 
 
 
Morgan Stanley Variable
Insurance Fund, Inc.
Discovery
 
 
 
 
Invesco V.I. American Value
Fund7
 
 
 
 
AB International Value
Portfolio6, 7
 
 
 
 
Fidelity® Contrafund®
Portfolio (of Variable
Insurance Products Fund II)7
 
 
 
 
MFS® New Discovery Value
Portfolio7
 
 
 
 
AB Discovery Value
Portfolio7
 
 
 
 
Invesco V.I. EQV
International Equity Fund7
 
 
 
 
PIMCO StocksPLUS®
Global Portfolio7
 
 
 
 
Morgan Stanley Variable
Insurance Fund, Inc. Growth
Portfolio7
 
1
Only available if you purchased your Contract before February 2, 2004.
2
Only available if you purchased your Contract before March 5, 2007.
3
Only available if you purchased your Contract through a Bank of America representative before April 22, 2007.
4
Only B Class shares available if you purchased your Contract on or after March 5, 2007. Only A Class shares available if you purchased your Contract through a Bank of America representative before March 5, 2007.
5
Only available if you purchased your Contract before March 10, 2008.
6
Only available if you purchased your Contract before October 20, 2008.
7
Not available for investment if you purchased your Contract through a Bank of America representative between April 25, 2005 and April 20, 2007.
24
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 at https://dfinreports.com/delawarelife, or by calling (800) 477-6545, or by sending an email request to customer.relations@delawarelife.com. You can also access the prospectus, SAI and other information about the Contract online at http://connect.rightprospectus.com/DelawareLife/TAHD/866792773?&site=Annuity.
Reports and other information about the Variable Account are available on the SEC’s website at https://www.sec.gov/ and copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov.
EDGAR Contract Identifier No.: C000021926
25