Delaware Prime Start Bonus 10 Fixed Indexed Annuity

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PrimeStart Bonus 10 SM Fixed Index Annuity Kick-start, recover, and accelerate your retirement savings

Define the future of your retirement You’ve spent a lifetime working hard and now you’re getting ready for retirement. If you’re like a lot of people, you see your retirement as an exciting time of possibilities, as well as a time of challenges. As you focus on saving for retirement, the challenge is to find ways to both grow and protect your money, especially in times of economic and market uncertainty. If you’re looking for a strategy that can offer you a more secure retirement with less worry about what the financial markets will do, consider PrimeStart Bonus 10 SM Fixed Index Annuity.

PrimeStart Bonus 10 SM can help redefine your retirement future

PrimeStart Bonus 10 SM is a flexible premium fixed index annuity—an insurance product that is designed to help you meet your long-term retirement needs. It offers protection for your money against market downturns, with the opportunity for it to grow tax-deferred. It enables you to earn interest based on the performance of a specific market index, or a combination of indexes. PrimeStart Bonus 10 SM goes a step further, offering an exclusive trifecta of features that combines the power of a 10% premium bonus, lowest entry point crediting, and flex lock index account options to help you improve your short-term and long-term accumulation potential.

Kick-start, recover, and accelerate your savings

PrimeStart Bonus 10 SM may be a good fit if you: • Want to reposition underperforming assets.

10% Premium Bonus

Lowest Starting Index Value • Calculated based on the lowest daily index value from the first 90 calendar days of the annuity contract. • Reduces the risk that your money is applied at a high point in the market.

• Paid on all premium payments received

• Did not prioritize saving for retirement and now need to play “catch up”.

Exclusive trifecta of features

within the first 60 days of contract issue.

• Have a longer investment time horizon and are risk averse.

• Gives you more

opportunity to get off to a “fast start”.

Flexible Index Account Lock*

You can depend on Delaware Life At Delaware Life Insurance Company (Delaware Life), we believe annuities can be a core part of your financial strategy. Our product suite provides growth, protection, and income for investors who are looking to save for retirement or plan for a legacy—and the flexibility to make changes along the way.

• Crediting rates are set and locked in at contract issue. • Guaranteed for the length of the surrender period. • Provides you with long-term interest rate protection.

*Available on select index strategies

Delaware Life PrimeStart Bonus 10 SM Fixed Index Annuity

PrimeStart Bonus 10 SM in action

PrimeStart Bonus 10 SM index account options

The charts and table below illustrate a hypothetical example of how a $100,000 initial premium payment in the PrimeStart Bonus 10 SM fixed index annuity can kick-start, recover, and accelerate your retirement savings. With built-in features like a 10% premium bonus (additional $10,000) and the Lowest Starting Index Value, you are in a better position to: • Utilize the combination of a premium bonus, and tax-deferred growth to boost your index returns when markets perform well. • Potentially increase both the size and likelihood of index gains. Harnessing the power of the Lowest Starting Index Value An example of how a drop in the initial index value can impact growth with the Lowest Starting Index Value (Lowest 90 Days) feature.

Franklin SG Select Index

Seeks to provide stable, consistent returns by implementing a responsive strategy that adapts its exposure to changing market environments. The index combines a robust equity allocation model designed by Franklin Templeton with a proprietary volatility control mechanism engineered by Societe General that acts to further mitigate risk by maintaining an annual volatility of 5%.

S&P 500 ® Index

Widely considered the leading benchmark of the U.S. equities market, the Standard & Poor’s 500 Index includes 500 of the largest companies on the New York Stock Exchange and NASDAQ.

First 90 Days

Lowest Starting Index Value

Issue Date (6/1/2022)

Comparison

4,400.00 4,200.00 4,000.00 3,800.00 3,600.00 3,400.00 3,200.00

4,101.23

Beginning Account Value

$110,000 $110,000

3,666.77

Beginning Index Value

4101.23

3666.77

End of Term Index Value

4221.02

Gross Return 2.92% 15.12% Net Return using a 9.00% cap 2.92% 9.00% End of Term Account Value $113,212 $119,900

6/1/2022

7/1/2022

8/1/2022

9/1/2022

Full One-Year Term

4,400.00 4,200.00 4,000.00 3,800.00 3,600.00 3,400.00 3,200.00

Goldman Sachs Canopy Index

First Trust Capital Strength ® Barclays 10% Index

2.92% net return

Designed to combine a regime-based asset allocation strategy with an alternative investment strategy through exposure to two portfolios. The index provides exposure to equity, treasuries, inflation-linked bonds, commodities and alternatives. It is subject to an 8% volatility control feature and a 0.5% annualized deduction rate.

Provides exposure to U.S. equities and treasuries–selects 50 large- cap U.S. stocks in the NASDAQ and utilizes an equally weighted portfolio of four Barclays U.S. Treasury futures indexes to capture optimal risk- adjusted returns.

6/1/2022

9/1/2022

12/1/2022

3/1/2023

6/1/2023

This chart is a representation of fixed index annuity growth under varying market/index conditions and is not meant to represent the performance of any Delaware Life fixed index annuity product. This chart assumes no fees, charges, or withdrawals are taken from the FIA during the illustrated period and reinvestment of dividends is not included. The hypothetical performance of the fixed index annuity, as illustrated, assumes a $100,000 initial premium payment and a $10,000 (10%) premium bonus, a cap of 9.0% (using a 1-Year Point-to-Point with Cap crediting option) and assumes no withdrawals or surrender charges during the period shown. Different index-based strategies and interest-crediting options may produce different results. The amount of index interest credited at the end of the term year may be limited by index rates. Guarantees are backed by the financial strength and claims-paying ability of Delaware Life Insurance Company (Zionsville, IN).

Delaware Life PrimeStart Bonus 10 SM Fixed Index Annuity

Index strategies and crediting options

Access to your money When you transition to retirement, PrimeStart Bonus 10 SM gives you the flexibility to receive income in several ways, in addition to guaranteed lifetime income. If an unexpected situation arises where you need access to your money, you have options.

With PrimeStart Bonus 10 SM , you can choose to invest your money in one or a combination of strategies. The money you allocate to any index strategies has the potential to grow based on the underlying performance of your chosen indexes 1 , measured from the beginning to the end of your 1-year term. This is called “point-to- point” crediting. So, if your chosen index strategy rises, your account is credited with interest that represents a portion of the gain. If the index strategy falls, you may not receive any interest–but neither will you sustain any loss. Instead, any earnings from the previous year are “locked in” and protected. For an additional annual fee of 1.00%, you may also select from Enhanced Index Account Options, which offer higher crediting rates, giving you the opportunity to grow your savings even faster.

Free withdrawals: you can take up to 10% of the total premium payments during the first contract year. After the first contract year, you may take up to 10% of the last contract anniversary value. Both options are free of surrender charges, any applicable Market Value Adjustment (MVA) and Premium Bonus Recapture. You have the flexibility, should you need it, to take more than your free withdrawal amount. If you elect to withdraw more, please note that surrender charges, a Market Value Adjustment (MVA) and a Premium Bonus Recapture may apply. Turn your annuity into an income stream: You also have the option to annuitize your contract. PrimeStart Bonus 10 SM offers several annuity payout options, including income for life or for a specified period, for you, or you and your spouse (if you purchase a joint contract).

Strategy

Asset Classes Crediting Options

1-year Point-to-Point with Cap 1-year Point-to-Point with Enhanced Cap (with Fee) 1-year Performance Trigger 1-year Enhanced Performance Trigger (with Fee) 1-year Point-to-Point with Participation Rate 1-year Point-to-Point with Enhanced Participation Rate (with Fee) 1-year Point-to-Point with Flex-Lock Participation Rate 2 1-year Point-to-Point with Enhanced Flex-Lock Participation Rate (with Fee) 2 1-year Point-to-Point with Enhanced Flex-Lock Participation Rate and Volatility Limit (with Fee) 2 1-year Point-to-Point with Flex-Lock Participation Rate and Volatility Limit 2 1-year Point-to-Point with Enhanced Flex-Lock Participation Rate and Volatility Limit (with Fee) 2 1-year Point-to-Point with Flex-Lock Participation Rate, Boost and Knockout 2 1-year Point-to-Point with Enhanced Flex-Lock Participation Rate, Boost and Knockout (with Fee) 2

S&P 500 ® Index

U.S. Equity

Surrender charge exceptions

Required Minimum Distributions (RMDs)

If you are required to take a RMD, and that RMD is more than your 10% free with- drawal, you may take the entire RMD without a surrender charge.

U.S. Equity and Treasuries

Goldman Sachs Canopy Index

Nursing Home Waiver 1 You may take a one-time withdrawal from your annuity, after the first contract anniversary, without a surrender charge if you are confined to a hospital or nurs- ing facility for at least 90 days, as long as the contract is purchased before your 76th birthday. Terminal Illness Waiver 1 After a period of one year, you may take a one-time withdrawal from your annuity without a surrender charge to pay for hospice care.

U.S. Equity, Bonds and Commodities

First Trust Capital Strength ® Barclays 10% Index

U.S. Equity and Treasuries

Franklin SG Select Index

1-year Fixed Rate

Fixed Income Annual

1 Index strategies may include limitations to growth experienced by an index by applying specific controls; for example, a Cap Rate, a Participation Rate or other applicable factors. 2 Index Accounts that include a Flex-Lock feature will not be available for renewal at the end of the Surrender Charge Period. You may send us new allocation instructions by the date provided in the applicable renewal notice. If we do not receive new instructions, we will automatically reallocate any Account Value in a Flex-Lock Index Account to the same Index Account without a Flex-Lock.

Withdrawals are taxed as ordinary income and, if taken prior to age 59½, there may be a 10% federal tax penalty. Withdrawals will reduce the account value and may result in a surrender charge, market value adjustment (MVA) and Premium Bonus Recapture. 1 Must meet certain criteria. Subject to state availability. Please refer to the contract for details.

Delaware Life PrimeStart Bonus 10 SM Fixed Index Annuity

Delaware Life and you

PrimeStart Bonus 10 SM product summary

Core annuity features

Delaware Life has decades of annuity innovations and brings you a long history and solid track record. At Delaware Life, we develop smart annuities to address your unique retirement needs. To us, pure value is part of everything we do—we want you to know what you’re getting and what you’re paying for it. This includes developing competitive products; delivering a seamless, efficient experience; and serving as an honest and reliable financial institution. We want you and your financial professional to feel that it’s easy to do business with Delaware Life, and we work every day to continually improve your experience with us. It’s our mission at Delaware Life Insurance Company to offer our clients practical solutions with easy-to- understand features and deliver them with clarity and integrity. We aim to provide a seamless experience that gives our clients exactly what they’re looking for:

Issue ages

18-80

Minimum initial premium payment

$25,000 for both qualified and nonqualified money; Flexible premium deferred annuity

Minimum: $500 Maximum: Total premium cannot exceed $1M without prior approval

Subsequent payments 1

Premium bonus

10% of premium payments made within first 60 days of issue

Year

3 4 5 6 7

8 9 10 11+

Standard Schedule California Schedule

Premium bonus recapture period 2

• Comfort of understanding • Confidence of transparency • Streamlined products without needless features

100% 95% 85% 75% 65% 55% 45% 30% 20% 10% 0%

100% 95% 85% 75% 65% 55% 40% 30% 15% 0% 0%

10% of the total premium payments during the first contract year; Greater of 10% of the last contract anniversary value or required minimum distribution (RMD) amount, if any, in the contract years thereafter

We can help you reach your retirement destination We are focused on addressing the real issues of retirement and legacy planning, providing solutions for both accumulation and income. That’s why we offer annuities with the potential for growth, and for income, that can last a lifetime—so our customers can plan for new adventures in retirement.

Free withdrawal amount 3

Standard 10-year non-rolling surrender charge period Year 1 2 3 4 5

6 7

8 9 10 11+

Surrender charge period 4

Standard Schedule California Schedule

10-Year 9.00%8.00% 7.25% 6.50%5.50%4.75% 3.75%3.00%2.00% 1.00% 0%

9-Year 7.25%6.00%5.25%4.50%3.50%2.75%1.75%0.50%0.50% 0% 0%

Market value adjustment State variations apply

Applies to withdrawals and surrenders greater than the free withdrawal amount. Waived at death • Maximum annuitization age: 100 • Annuitization options: Single-life only, Single-life with period certain, Joint and survivor life

Annuitization 5

Death Benefit

Greater of account value or surrender value Additional no-cost benefits

• After a period of one year, you may withdraw money from your annuity without a surrender charge to pay for an eligible nursing home or hospice care • Contract must be purchased prior to the owner’s attained age of 76 for the nursing home waiver

Nursing home & terminal illness waivers 6

1 Subsequent payments not permitted after any owner/annuitant has attained age 85. 2 A portion of the premium bonus is returned to us if you withdraw more than your free withdrawal amount or begin annuity payments before the end of the surrender charge period. 3 Withdrawals are taxed as ordinary income and, if taken prior to age 59½, there may be a 10% federal tax penalty. Withdrawals may result in a surrender charge or MVA. 4 With a non-rolling surrender charge, all payments are free from surrender charges at the end of the surrender charge period.

5 We may offer other options other than those listed. Please refer to the contract for details. 6 Must meet certain criteria. Subject to state availability. Please refer to the contract for details.

Delaware Life PrimeStart Bonus 10 SM Fixed Index Annuity

Key terms

General Definitions Term Point-to- Point with Cap

Index Strategy-Specific Definitions Participation Rate with Volatility Limit

Index strategy where at the end of the term, we compare the value of the applicable index to its value at the beginning of the term and apply index interest credit for any positive change up to the stated Cap. An upper limit to the percentage of gain in the value of the index. For example, if the index experiences... • A positive return of 12% and there is a 7% Cap Rate, the interest credit would be 7%. • A more modest positive return of 3%, the interest credit would be 3%. • A negative return then your interest credit is 0%. Index strategy that credits interest at a declared rate (“PT Interest Rate”) based on a positive return of the index at the end of the term. The rate is fixed regardless of the index’s positive return. A declared rate that is credited based on a positive return of the index. For example, if the index experiences... • positive return of 12% and there is a 6% PT Interest Rate, the interest credit would be 6%. • A more modest positive return of 3%, the interest credit would still be 6%. • A return that is less than or equal to 0% results in 0% interest credit. Index strategy where we compare the value of the applicable index at the end of the term to its value at the beginning of the term. If the change is positive, we multiply the percentage change by the Participation Rate to determine the amount of interest credited. A factor applied to the performance of an index that is used to determine the index interest credit for an Index Strategy. This is a no cost feature that has the potential to increase both the size and likelihood of an interest credit for money allocated to an Index Account option. The initial starting index value is set using the lowest index value following the first 90 days of your contract issue date. This feature applies to any Index Account option your initial premium is allocated to. It does not apply to any subsequent terms following the first contract year. A percentage applied to the Account Value of an Enhanced Index Account at the beginning of the term and deducted at the end of the term. The initial Enhancement Fee Rate is set at contract issue and guaranteed for the first index term. A new Enhancement Fee Rate will be declared at the start of each subsequent index term. The Fixed Account and Index Accounts without an enhancement are not subject to an Enhancement Fee.

This index strategy sets a limit on changes to the index value of the applicable index. Change, or volatility, is measured daily by tracking the Accrued Variance during the term. On the first business day the Accrued Variance breaches the Variance Threshold, the index value is locked in on that date (“Expiry Date”). This becomes the index value we use at the end of the term to determine any interest credit, even if the index value increases or decreases between the Expiry Date and the end of the term. If the Accrued Variance has not met the Variance Threshold before the end of the term, we will compare the index value at the end of the term to its value at the beginning of the term. A Participation Rate is applied to a positive change in the index to determine any interest credit. The maximum level of index variance permitted over the term. It is determined at the beginning of the term using the Volatility Limit. If the Accrued Variance equals or exceeds the Variance Threshold on any business day, that day will be the Expiry Date and the index return is locked at that level for the remainder of the term. The maximum level of index volatility permitted per year. The Volatility Limit is declared by us based on the applicable index. Index volatility is the amount of price variation in the index. A higher volatility means the index value can potentially be spread out over a larger range of index values. A low volatility means the index value does not change as dramatically, but rather changes at a more gradual pace. This index strategy adds a Boost Rate to the return of an index at the end of the term if a Knockout has not occurred. If a Knockout has not occurred, we will compare the index value at the end of the term to its value at the beginning of the term and add a Boost Rate to the percentage change in the index. A Participation Rate is then applied to the boosted index return to determine the amount of interest credit. A Knockout is an event that cancels an index interest credit and occurs if the index value drops below the Knockout Barrier at any point during the term. If a Knockout occurs, you will not receive an interest credit and may not transfer your index value to another index strategy until the end of the term. An increase that will be factored into the amount of interest credited at the end of a term if a Knockout is not triggered during the term. The additional percentage that is used in the calculation of the index return if a Knockout is not triggered during the term. For example: • If the index experiences a positive return of 12% and the Boost Rate is 2%, the return used to calculate interest credit is increased to 14%. The percentage used to determine the Knockout Barrier at the beginning of the term. This value determines if a Knockout is triggered. The Knockout Barrier is determined by applying a percentage to the index value at the beginning of the term. For example: • If the index value at the beginning of the term is 2000 and the Knockout Rate is 98%, then the Knockout Barrier value would be 1960.

Cap Rate

Term Performance Trigger Performance Trigger (PT) Interest Rate

Variance Threshold

Volatility Limit

Term Point- to-Point with Participation Rate, Boost, and Knockout

Term Point- to-Point with Participation Rate Participation Rate Lowest Starting Index Value

Boost

Boost Rate

Enhancement Fee Rate

Knockout Rate

Knockout Barrier

Delaware Life PrimeStart Bonus 10 SM Fixed Index Annuity

Important Information

None of SG, S&P, Franklin, or other third party licensor (individually, an “ Index Affiliate ” and collectively, the “ Index Affiliates ”) to SG is acting or has been authorized to act, as an agent of Delaware Life or has in any way sponsored, promoted, solicited, negotiated, endorsed, offered, sold, issued, supported, structured or priced any Fixed Indexed Annuity or provided investment advice to Delaware Life, and no Index Affiliate makes any representation whatsoever as to the advisability of purchasing, selling or holding any product linked to the Index, including the Fixed Indexed Annuity. No Index Affiliates shall have any liability with respect to the Fixed Indexed Annuity in which an interest crediting option is based on the Index and is not liable for any loss relating to the Fixed Indexed Annuity, whether arising directly or indirectly from the use of the Index, its methodology, any SG Mark, Franklin Mark or otherwise. Obligations to make payments under the Fixed Indexed Annuities are solely the obligation of Delaware Life. The selection of the Index as a crediting option under a Fixed Indexed Annuity does not obligate Delaware Life or SG to invest annuity payments in the components of the Index. In calculating the performance of the Index, SG deducts a maintenance fee of 0.50% per annum, calculated on a daily basis. This fee will reduce the potential positive change in the Index and increase the potential negative change in the Index. While the volatility control applied by SG may result in less fluctuation in rates of return as compared to indices without volatility controls, it may also reduce the overall rate of return as compared to products not subject to volatility controls. “Franklin,” “Franklin Templeton” and its proprietary investment models are trademarks and the intellectual property of Franklin and have been licensed for use by SG as a component of certain index-linked products (each, a “Product” and collectively, the “Products”). The Products are not sponsored, endorsed, sold, or promoted by Franklin. Franklin does not make any representation or warranty (express or implied) regarding the Product, the advisability of purchasing the Product, or the use of the Index or any data included therein. Franklin’s only relationship to SG is the licensing of certain trademarks and intellectual property or components thereof. Franklin did not have any obligation or liability in connection with the marketing, issuance, or administration of the Product. Goldman Sachs PrimeStart Bonus 10 SM is not sponsored, endorsed, sold, guaranteed, underwritten, distributed or promoted by Goldman Sachs & Co. or any of its affiliates (including Goldman Sachs Asset Management, L.P.), with the exception of any endorsement, sales, distribution or promotion of this product that may occur through its affiliates that are licensed insurance agencies (excluding such affiliates, individually and collectively, “Goldman Sachs”) or its third party data providers. Goldman Sachs and its third-party data providers make no representation or warranty, express or implied, regarding the advisability of investing in annuities generally or in Fixed Indexed Annuities or the investment strategy underlying such PrimeStart Bonus 10 SM particularly, the ability of the Goldman Sachs Canopy Index(the “Index”) to perform as intended, the merit (if any) of obtaining exposure to the Index or the suitability of purchasing or holding interests in the PrimeStart Bonus 10 SM . Goldman Sachs and its third-party data providers do not have any obligation to take the needs of the holders of PrimeStart Bonus 10 SM into consideration in determining, composing or calculating the Index. GOLDMAN SACHS DOES NOT GUARANTEE THE ACCURACY AND/OR COMPLETENESS OF THE INDEX OR OF THE METHODOLOGY UNDERLYING THE INDEX, THE CALCULATION OF THE INDEX OR ANY DATA SUPPLIED BY IT FOR USE IN CONNECTION WITH THE PrimeStart Bonus 10 SM . GOLDMAN SACHS HEREBY EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY FOR ANY ERRORS, OMISSIONS, OR INTERRUPTIONS THEREIN OR IN THE CALCULATION THEREOF. GOLDMAN SACHS EXPRESSLY DISCLAIMS ALL LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL DAMAGE EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES. THIRD PARTY DATA IS USED UNDER LICENSE AS A SOURCE OF INFORMATION FOR THE INDEX. THIRD PARTY PROVIDER HAS NO OTHER CONNECTION TO GOLDMAN SACHS INDEXES AND SERVICES AND DOES NOT SPONSOR, ENDORSE, RECOMMEND OR PROMOTE ANY GOLDMAN SACHS INDEX OR SERVICES. THIRD PARTY PROVIDER HAS NO OBLIGATION OR LIABILITY IN CONNECTION WITH THE GOLDMAN SACHS INDEX AND SERVICES. THIRD PARTY PROVIDER DOES NOT GUARANTEE THE ACCURACY AND/OR THE COMPLETENESS OF ANY MARKET DATA LICENSED TO GOLDMAN SACHS AND SHALL NOT HAVE ANY LIABILITY FOR ANY ERRORS, OMISSIONS, OR INTERRUPTIONS THEREIN. THERE ARE NO THIRD-PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN THIRD PARTY PROVIDER AND GOLDMAN SACHS.

Standard & Poor’s ® The Standard & Poor’s 500 ® (“S&P 500 ® ”) is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by Delaware Life Insurance Company (“Delaware Life”). Standard & Poor’s ® and S&P ® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones ® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Delaware Life. PrimeStart Bonus 10 SM is not sponsored, endorsed, sold, or promoted by SPDJI, Dow Jones, S&P ® , or their respective affiliates and no such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 ® . Barclays and First Trust ® Neither Barclays Bank PLC (“BB PLC”) nor any of its affiliates (collectively ‘Barclays’) is the issuer or producer of Delaware Life PrimeStart Bonus 10 SM fixed index annuity and Barclays has no responsibilities, obligations or duties to investors in PrimeStart Bonus 10 SM , The First Trust Capital Strength ® Barclays 10% Index (the ‘Index’), together with any Barclays indices that are components of the Index, is a trademark owned by Barclays and, together with any component indices and index data, is licensed for use by Delaware Life Insurance Company as the issuer or producer of PrimeStart Bonus 10 SM fixed index annuity (the ‘Issuer’). Barclays’ only relationship with the Issuer in respect of the The First Trust Capital Strength ® Barclays 10% Index is the licensing of the Index, which is administered, compiled and published by BB PLC in its role as the index sponsor (the ‘Index Sponsor’) without regard to the Issuer or the PrimeStart Bonus 10 SM or investors in the PrimeStart Bonus 10 SM . Additionally, Delaware Life Insurance Company as issuer or producer of PrimeStart Bonus 10 SM may for itself execute transaction(s) with Barclays in or relating to the The First Trust Capital Strength ® Barclays 10% Index in connection with PrimeStart Bonus 10 SM . Investors acquire PrimeStart Bonus 10 SM from Delaware Life Insurance Company and investors neither acquire any interest in the The First Trust Capital Strength ® Barclays 10% Index nor enter into any relationship of any kind whatsoever with Barclays upon making an investment in PrimeStart Bonus 10 SM . PrimeStart Bonus 10 SM is not sponsored, endorsed, sold or promoted by Barclays and Barclays makes no representation regarding the advisability of PrimeStart Bonus 10 SM or use of The First Trust Capital Strength ® Barclays 10% Index or any data included therein. Barclays shall not be liable in any way to the Issuer, investors or to other third parties in respect of the use or accuracy of the The First Trust Capital Strength ® Barclays 10% Index or any data included therein. First Trust ® , First Trust & Design ® , and First Trust Capital Strength ® (“Mark”) is a registered trademark of First Trust Portfolios LP (“First Trust”) and has been licensed for use by Delaware Life. PrimeStart Bonus 10 SM (“Product”) is not sponsored, endorsed, sold or promoted by First Trust. FIRST TRUST MAKES NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY DELAWARE LIFE, A PRODUCT ISSUER, THE INVESTORS IN THE PRODUCT, OWNERS OF THE PRODUCT, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE MARKS OR PRODUCT. FIRST TRUST EXPRESSLY DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OF THE PRODUCT. Franklin and Société Générale The Franklin SG Select Index (the “Index”) is the exclusive property of SG Americas Securities, LLC (SGAS, together with its affiliates, “SG”). SG has contracted with S&P Opco, LLC (a subsidiary of S&P Dow Jones Indices LLC) (“S&P”) to maintain and calculate the Index. “Société Générale”, “SG”, “SG Americas Securities, LLC”, “SGAS”, and “Franklin SG Select Index” (collectively, the “SG Marks”) are trademarks or service marks of SG or have been licensed for use by SG from Franklin Advisers, Inc. and its affiliates (“Franklin”). SG has licensed use of the SG Marks to Delaware Life Insurance Company (“Delaware Life”) and sub-licensed the use of certain Franklin marks (the “Franklin Marks”) for use in a fixed indexed annuity offered by Delaware Life (the “Fixed Indexed Annuity”). SG’s sole contractual relationship with Delaware Life is to license the Index and the SG Marks and sub-license the Franklin Marks to Delaware Life.

Delaware Life PrimeStart Bonus 10 SM Fixed Index Annuity

Delaware Life Annuities are long-term investment vehicles designed for retirement purposes. They are not intended to replace emergency funds, to be used as income for day-to-day expenses, or to fund short-term savings goals. Delaware Life Insurance annuities have limitations, exclusions, charges, termination provisions, and terms for keeping them in force. Please contact your financial professional for complete details. The Enhanced Index Account Options fee (1.0%) is calculated by multiplying the index account value of the associated enhanced index account and an enhancement fee rate at the beginning of the term and is deducted at the end of the term. The initial enhancement fee rate is set at contract issue and guaranteed for the first index term. A new enhanced fee rate will be declared at the start of each subsequent index term. Fixed index annuities are not securities and do not participate directly in the stock market or any index and are not investments. It is not possible to invest directly in an index. Products, riders, and features may vary by state, may not be available in all states, and are available for an additional fee. Products may vary by firm/ broker-dealer. Ask your financial professional for more information. Guarantees are backed by the financial strength and claims-paying ability of Delaware Life Insurance Company (Zionsville, IN). Delaware Life Insurance Company (Zionsville, IN) is authorized to transact business in all states (except New York), the District of Columbia, Puerto Rico, and the U.S. Virgin Islands. Policies and contracts are issued by Delaware Life Insurance Company. For use with policy forms ICC22-DLIC-FIA, DLIC22-FIA. Policy and rider form numbers may vary by state. This brochure is a general description of the product. Please read your contract and disclosure statement for definitions and complete terms and conditions, as this is a summary of the annuity’s features. This communication is for informational purposes only. It is not intended to provide, and should not be interpreted as, individualized investment, legal, or tax advice. To obtain such advice, please consult with your investment, legal, or tax professional.

delawarelife.com

NOT FDIC INSURED | MAY LOSE VALUE | NO BANK OR CREDIT UNION GUARANTEE NOT A DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY OR NCUA/NCUSIF

PSB165BR

2024020034 EXP 02/25

Delaware Life PrimeStart Bonus 10 SM Fixed Index Annuity

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