Index Prices

This Product (the “Product”) is not sponsored, endorsed, managed, sold or promoted by Deutsche Bank AG (DB AG) or any subsidiary or affiliate of DB AG. The Deutsche Bank Indices are the exclusive property of DB AG. “Deutsche Bank” and “CROCI” are proprietary marks of DB AG and its affiliates that have been licensed for certain uses and purposes to Delaware Life Insurance Company (DLIC). Neither DB AG, CROCI, nor any affiliate of DB AG, nor any other party involved in, or related to, making or compiling the Deutsche Bank Indices: (1) is acting in a fiduciary or product management capacity or providing any endorsement of the Product or investment advice of any kind; (2) has any obligation to take the needs of DLIC, the sponsor of the Product, or its clients into consideration in determining, composing or calculating the Deutsche Bank Indices; (3) is responsible for or has participated in the determination of the timing of, prices at, quantities or valuation of the Product; (4) WARRANTS OR GUARANTEES THE ACCURACY AND/OR THE COMPLETENESS OF THE DEUTSCHE BANK INDICES OR ANY DATA INCLUDED THEREIN AND SHALL HAVE NO LIABILITY FOR ANY ERRORS, OMISSIONS, OR INTERRUPTIONS THEREIN OR THE ADMINISTRATION, MARKETING OR TRADING OF THE PRODUCT. The CROCI Indices have been built on the premise that the CROCI Economic P/E is an effective indicator of inherent value. This premise may not be correct, and prospective investors must form their own view of the CROCI methodology and evaluate whether CROCI is appropriate for them. Please see the Disclosure Statement and Annuity Illustration for more information about the Deutsche Bank Indices and the Product.

Obligations to make payments under the Product are solely the obligation of Delaware Life Insurance Company and are not the responsibility of DB AG. The selection of one or more of the Deutsche Bank Indices as a crediting option under the Product does not obligate Delaware Life Insurance Company or DB AG to invest annuity payments in the components of any of the Deutsche Bank Indices.

While volatility controls may result in less fluctuation in rates of return as compared to indices without volatility controls, they may also reduce the overall rate of return as compared to products not subject to volatility controls.

There are risks associated with the CROCI methodology, the CROCI Sectors III Index and the CROCI Sectors III USD 5.5% Volatility Control (”CROCI Sectors 5.5% VC”) Index:

• No assurance can be given that the CROCI methodology will be successful at identifying undervalued companies;
• There is no assurance that (i) the three industry sectors chosen will outperform the other industry sectors or (ii) the 30 chosen stocks will outperform the remaining stocks in the component indices;
• Even if the strategy of the CROCI Sectors III Index is successful and it outperforms the component indices, the level of the CROCI Sectors 5.5% VC may decline;
• Because the CROCI Sectors 5.5% VC is subject to a maximum notional exposure of 100% to the CROCI Sectors III Index and will not adjust its exposure to the CROCI Sectors III Index by more than 10% on any day, the CROCI Sectors 5.5% VC may not be able to maintain a fixed target volatility level of 5.5%;
• If the realized volatility of the CROCI Sectors III Index is less than 5.5%, the CROCI Sectors 5.5% VC may have a 100% exposure to the CROCI Sectors III Index, but a target volatility level less than 5.5%;
• Because the CROCI Sectors 5.5% VC’s exposure to the CROCI Sectors III Index on each day is calculated based on the historical realized volatility the CROCI Sectors III Index, the realized volatility of the CROCI Sectors 5.5% VC could differ significantly from the target volatility level;
• The CROCI Sectors 5.5% VC is subject to currency exchange rate risk; and
• Deutsche Bank AG, London Branch, as the sponsor and calculation agent of the Index, may adjust the Index and/or its components in a way that affects their respective levels and may have conflicts of interest.

The Momentum Asset Allocator 5.5% Volatility Control Index is calculated on an excess return basis reflecting the weighted performance of the Index constituents in excess of the performance of the Deutsche Bank Momentum Money Market Index. In addition, the Index also reflects the daily deduction of a 0.25% per annum fee. Please see the Disclosure Statements and Annuity Illustrations for more information about the Deutsche Bank Indexes and the Products.

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. Retirement Chapters 10® is not sponsored, endorsed, sold, or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates, and none of 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®.

This product is not sponsored, endorsed, sold or promoted by Morgan Stanley or any of its affiliates. Neither Morgan Stanley nor any other party (including, without limitation, any calculation agents or data providers) makes any representation or warranty, express or implied, regarding the advisability of purchasing this product. The Morgan Stanley Global Opportunities Index (the “Index”) is the exclusive property of Morgan Stanley. Morgan Stanley and the Index are service marks of Morgan Stanley and have been licensed for use for certain purposes Delaware Life Insurance Company. Morgan Stanley will not have any obligation or liability to owners of this product in connection with the administration or marketing of this product, and neither Morgan Stanley nor any other party guarantees the accuracy and/or the completeness of the Index or any data included therein. Morgan Stanley and its affiliates may engage in transactions involving components of the Index for their proprietary accounts and/or for accounts of their clients, which may affect the value of such components and the level of the Index.

FIRST TRUST®, FIRST TRUST & Design®, and FIRST TRUST CAPITAL STRENGTH® are trademarks of First Trust Portfolios L.P. (collectively, with its affiliates, “First Trust”). The foregoing trademarks have been licensed for use for certain purposes by Barclays and Delaware Life Insurance Company (collectively, the “Licensees”) in connection with the First Trust Capital Strength® Barclays 5% Index and First Trust Capital Strength® Barclays 10% Index (collectively, the “Indexes”) and certain products utilizing the Indexes (collectively, the “Products”).

NASDAQ®, NASDAQ US BENCHMARKTM INDEX, and CAPITAL STRENGTH TOTAL RETURNTM INDEX are trademarks of Nasdaq OMX Group, Inc. (collectively, with its affiliates, “Nasdaq”). The NASDAQ US Benchmark Index and Capital Strength Total Return Index (“Nasdaq Indexes”) are products of Nasdaq. The foregoing indexes and trademarks have been licensed for use for certain purposes by First Trust and Licensees in connection with the Indexes and Products.

The Indexes are not sponsored, endorsed, sold or promoted by NASDAQ. FIRST TRUST AND NASDAQ MAKE NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY BARCLAYS, A PRODUCT ISSUER, THE INVESTORS IN THE PRODUCT, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE MARKS, INDEXES OR METHODOLOGY (THE CAPITAL STRENGTH METHODOLOGY USED AS A COMPONENT OF THE INDEXES). FIRST TRUST AND NASDAQ EXPRESSLY DISCLAIM ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OF THE INDEXES OR METHODOLOGY.

The Products are not issued, sponsored, endorsed, sold, recommended, or promoted by First Trust, Nasdaq, or their respective affiliates (collectively, the “Companies”). The Companies do not make any representation regarding the advisability of investing in the Products, products based on the Indexes, Nasdaq Indexes, or any Barclays indices that are components of the Indexes (“Barclays Indices”), do not make any warranties or bear any liability with respect to such products, and do not make any warranties or bear any liability with respect to the Products, Indexes, or another party’s index.

THE COMPANIES DO NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS, COMPLETENESS, AND/OR UNINTERRUPTED CALCULATION OF THE PRODUCTS, INDEXES, NASDAQ INDEXES, BARCLAYS INDICES, OR ANY DATA INCLUDED THEREIN OR ANY COMMUNICATION WITH RESPECT THERETO, INCLUDING, ORAL, WRITTEN, OR ELECTRONIC COMMUNICATIONS. THE COMPANIES SHALL HAVE NO LIABILITY FOR ANY ERRORS, OMISSIONS, OR INTERRUPTIONS IN THE PRODUCTS, INDEXES, NASDAQ INDEXES, OR BARCLAY’S INDICES. THE COMPANIES MAKE NO WARRANTY, EXPRESS OR IMPLIED, AS TO THE RESULTS TO BE OBTAINED BY LICENSEES, OWNERS OF THE PRODUCTS OR OF PRODUCTS BASED ON THE INDEXES, NASDAQ INDEXES, OR BARCLAYS INDICES, OR BY ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDEXES, NASDAQ INDEXES, OR BARCLAYS INDICES, OR ANY DATA INCLUDED THEREIN.

Neither Barclays Bank PLC (“BBPLC”) nor any of its affiliates (collectively, “Barclays”) is the issuer or producer of fixed index annuities and Barclays has no responsibilities, obligations or duties to policyholders in fixed index annuities. The Indexes, together with any Barclays indices that are components of the Indexes, are licensed for use by Delaware Life Insurance Company (“Delaware Life”) as the issuer or producer of fixed index annuities (the “Issuer”). Barclays only relationship with the Issuer in respect of the Indexes is the licensing of the Indexes, which are administered, compiled and published by BBPLC in its role as the index sponsor (the “Index Sponsor”) without regard to the Issuer or the fixed index annuities or policyholders in the fixed index annuities. Additionally, Delaware Life as the Issuer may for itself execute transaction(s) with Barclays in or relating to the Indexes in connection with fixed index annuities. Policyholders acquire fixed index annuities from Delaware Life and policyholders neither acquire any interest in the Indexes nor enter into any relationship of any kind whatsoever with Barclays upon making a purchase in fixed index annuities. Fixed index annuities are not sponsored, endorsed, sold or promoted by Barclays and Barclays makes no representation regarding the advisability of the fixed index annuities or use of the Indexes or any data included therein. Barclays shall not be liable in any way to the Issuer, policyholders or to other third parties in respect of the use or accuracy of the Indexes or any data included therein.

The RBA Select Equity Yield CIBC 5% IndexTM (the “Index”) is the exclusive property of Canadian Imperial Bank of Commerce (Canadian Imperial Bank of Commerce, together with its affiliates, “CIBC”). CIBC has engaged Solactive AG (together with its affiliates, “Solactive”) to maintain and to make certain calculations related to the Index. “Canadian Imperial Bank of Commerce”, “CIBC” and the names of the “Index” (collectively, the “CIBC Marks”) are trademarks or service marks of CIBC. CIBC has licensed use of the Index and the CIBC Marks to Delaware Life Insurance Company (“DLIC”) for use in one or more products offered by DLIC (the “Product(s)”). CIBC developed the Index without considering the needs of DLIC or any annuity owner or annuitant. CIBC is not the issuer of the Products and its sole contractual relationship with DLIC is to license the use of the Index and the CIBC Marks to DLIC.

Richard Bernstein Advisors LLC (“RBA”) contributed to the development of the Index without considering the needs of DLIC or any annuity owner or annuitant. Neither CIBC, RBA or Solactive make any representation or warranty, express or implied, regarding the Index or their development and have no responsibilities, obligations or liabilities with respect to the inception, adjustment, maintenance, operation or calculation of the Index. None of CIBC, RBA or Solactive are affiliated with each other or control or are controlled by each other. “RBA Richard Bernstein Advisors®” is a registered trademark of RBA. RBA has licensed certain rights to CIBC to use its name in connection with the Index.

None of CIBC, RBA, Solactive or any other third-party licensor (collectively, the “Index Parties”) to CIBC is acting, or has been authorized to act, as an agent of DLIC or has in any way sponsored, promoted, solicited, negotiated, endorsed, offered, sold, issued, supported, structured or priced any Products or provided investment advice to DLIC. No Index Party is a fiduciary or agent of any purchaser, seller or holder of any Product, or has made any representation or warranty, express or implied, regarding the advisability of purchasing, selling or holding any Product or the ability of any Index to track corresponding or relative market performance. Purchasers of any Product neither acquire any interest in any Index nor enter into any relationship of any kind whatsoever with any of the Index Parties. No Index Party guarantees the timeliness, accurateness, or completeness of any Index or any data or information relating thereto and shall have no liability in connection with any Index or any data or information relating thereto. No Index Party shall have any liability with respect to any Product, nor any liability for any loss relating to any Product, whether arising directly or indirectly from the use of any Index, its methodology, or otherwise. The selection of any Index for use with any Product does not obligate DLIC to invest in the components of such Index. Any obligation to invest annuity premiums or other amounts received under the Products is determined solely by DLIC.

Solactive is a trademark and service mark of Solactive AG. Solactive is not affiliated with DLIC or CIBC. Solactive’s association with CIBC is limited to Solactive’s role to act as the administrator and calculation agent of the Index, which is the exclusive property of CIBC. The Products are not sponsored, promoted, sold or supported in any other manner by Solactive nor does Solactive offer any express or implicit guarantee or assurance either with regard to the results of using the Index and/or Index trademark or any Index level at any time or in any other respect.

In calculating the level of the Index, the index methodology may deduct a maintenance fee. This fee will reduce the level of the Index and thus the Index’s return, if any. Furthermore, any Index that includes a volatility control as part of the index methodology 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 for products referencing such Index as compared to other indices not subject to volatility controls.

Franklin SG Select Advantage Index

The Franklin SG Select Advantage 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 Advantage 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.

Franklin SG Select Index

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.

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 Affiliate 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.

The Product 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 the Product 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 Product. Goldman Sachs and its third party data providers do not have any obligation to take the needs of the holders of the Product 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 PRODUCT. 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.

Invesco Capital Management LLC (“ICM”) serves as sponsor of Invesco QQQ TrustSM, Series 1 (“Invesco QQQ ETF”) and Invesco Distributors, Inc. (“IDI”), an affiliate of ICM serves as distributor for Invesco QQQ ETF. The mark “Invesco” is the property of Invesco Holding Company Limited and is used under license. That trademark and the ability to offer a product based on Invesco QQQ ETF have been licensed for certain purposes by Delaware Life Insurance Company and its wholly-owned subsidiaries and affiliates (collectively, “Delaware Life”). Products offered by Delaware Life are not sponsored, endorsed, sold or promoted by ICM or Invesco Holding Company Limited, and purchasers of such products do not acquire any interest in Invesco QQQ ETF nor enter into any relationship with ICM or its affiliates. ICM makes no representations or warranties, express or implied, to the owners of any products offered by Delaware Life. ICM has no obligation or liability for any errors, omissions, interruptions or use of Invesco QQQ ETF or any data related thereto, or with the operation, marketing trading or sale of any products or services offered by Delaware Life.

Nasdaq®, Nasdaq-100®, and QQQ, are registered trademarks of Nasdaq, Inc. (which with its affiliates is referred to as the “Corporations”) and are licensed for use by Invesco Capital Management LLC and sub-licensed to Delaware Life. The Product(s) have not been passed on by the Corporations as to their legality or suitability. The Product(s) are not issued, endorsed, sold, or promoted by the Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S).

The Janus Henderson Adaptive Market Leaders Core US Excess Return Index (“The Janus Henderson Adaptive Market Leaders US Index”) is the exclusive property of Janus Henderson Indices LLC. All Janus Henderson names, logos and website “https://indices.janushenderson.com” are service marks of Janus Henderson Group plc and have been licensed for use by Delaware Life Insurance Company (“Delaware Life”).

The Product is not sponsored, endorsed, sold or promoted by Janus Henderson nor does Janus Henderson make any representation regarding the advisability of investing in the Product(s).

Neither Janus Henderson Indices LLC (“Janus Henderson”) nor any other party makes any representation or warranty, express or implied, to the owners of the Product or any member of the public regarding the advisability of investing in the Product generally or the similarities or variations between the performance of the Product or the Index and the performance of the underlying securities or financial instruments.  Janus Henderson is the licensor of certain trademarks, service marks and trade names of Janus Henderson.   Neither Janus Henderson nor any other party guarantees the accuracy and/or the completeness of the indices or any data included therein or any calculations made with respect to the Product.   Janus Henderson disclaims all warranties of merchantability or fitness for any particular purpose with respect to the indices or any data included therein.

ALTHOUGH JANUS HENDERSON SHALL OBTAIN INFORMATION FOR INCLUSION IN OR FOR USE IN CALCULATIONS RELATED TO THE PRODUCT FROM SOURCES WHICH JANUS HENDERSON CONSIDERS RELIABLE, NEITHER JANUS HENDERSON NOR ANY OTHER PARTY GUARANTEES THE ACCURACY AND/OR THE COMPLETENESS OF THE INDICES OR ANY DATA INCLUDED THEREIN OR ANY CALCULATIONS MADE WITH RESPECT TO THE PRODUCT. NEITHER JANUS HENDERSON NOR ANY OTHER PARTY MAKES ANY WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY LICENSEE, LICENSEE’S CUSTOMERS AND COUNTERPARTIES, HOLDERS OF THE PRODUCT, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDICES OR ANY DATA INCLUDED THEREIN OR ANY CALCULATIONS MADE WITH RESPECT TO THE PRODUCT IN CONNECTION WITH THE RIGHTS LICENSED HEREUNDER OR FOR ANY OTHER USE.  NEITHER JANUS HENDERSON NOR ANY OTHER PARTY MAKES ANY EXPRESS OR IMPLIED WARRANTIES, AND JANUS HENDERSON HEREBY EXPRESSLY DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE WITH RESPECT TO THE INDICES OR ANY DATA INCLUDED THEREIN OR ANY CALCULATIONS MADE WITH RESPECT TO THE PRODUCT.  WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL JANUS HENDERSON OR ANY OTHER PARTY HAVE ANY LIABILITY FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, CONSEQUENTIAL OR ANY OTHER DAMAGES (INCLUDING LOST PROFITS) EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.

The S&P 500® and S&P 500® Dynamic Intraday TCA Index (the “Indices”) are products of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and have been licensed for use by Delaware Life Insurance Company (“Delaware Life”). S&P®, S&P 500®, US 500, The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); It is not possible to invest directly in an index. Delaware Life fixed index annuities is/are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, any of their respective affiliates (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices does not make any representation or warranty, express or implied, to the owners of the Delaware Life fixed index annuities or any member of the public regarding the advisability of investing in securities generally or in Delaware Life fixed index annuities particularly or the ability of the Indices to track general market performance. Past performance of an index is not an indication or guarantee of future results. S&P Dow Jones Indices’ only relationship to Delaware Life with respect to the Indices is the licensing of the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its licensors. The Indices are determined, composed and calculated by S&P Dow Jones Indices regard to Delaware Life or the Delaware Life fixed index annuities . S&P Dow Jones Indices has no obligation to take the needs of Delaware Life or the owners of Delaware Life fixed index annuities into consideration in determining, composing or calculating the Indices. S&P Dow Jones Indices have no obligation or liability in connection with the administration, marketing or trading of Delaware Life fixed index annuities. There is no assurance that investment products based on the Indices will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment adviser, commodity trading advisory, commodity pool operator, broker dealer, fiduciary, promoter” (as defined in the Investment Company Act of 1940, as amended), “expert” as enumerated within 15 U.S.C. § 77k(a) or tax advisor. Inclusion of a security, commodity, cryptocurrency or other assets within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, commodity, cryptocurrency or other assets, nor is it considered to be investment advice or commodity trading advice.

NEITHER S&P DOW JONES INDICES NOR THIRD PARTY LICENSOR GUARANTEES THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE INDICES OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES AND MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY DELAWARE LIFE, OWNERS OF THE DELAWARE LIFE FIXED INDEX ANNUITIES, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDICES OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. S&P DOW JONES INDICES HAS NOT REVIEWED, PREPARED AND/OR CERTIFIED ANY PORTION OF, NOR DOES S&P DOW JONES INDICES HAVE ANY CONTROL OVER, THE LICENSEE PRODUCT REGISTRATION STATEMENT, PROSPECTUS OR OTHER OFFERING MATERIALS. THERE ARE NO THIRD-PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND DELAWARE LIFE, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.

Neither Barclays Bank PLC (“BBPLC”) nor any of its affiliates (collectively, “Barclays”) is the issuer or producer of fixed index annuities and Barclays has no responsibilities, obligations or duties to policyholders in fixed index annuities. The Barclays Aries Index (the “Index”), together with any Barclays indices that are components of the Index is licensed for use by Delaware Life Insurance Company and its affiliate companies (“Delaware Life”) as the issuer or producer of fixed index annuities (the “Issuer”). Barclays’ only relationship with the Issuer in respect of the 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 fixed index annuities or policyholders in the fixed index annuities. Additionally, Delaware Life as the Issuer may for itself execute transaction(s) with Barclays in or relating to the Index in connection with fixed index annuities. Policyholders acquire fixed index annuities from Delaware Life and policyholders neither acquire any interest in the Index nor enter into any relationship of any kind whatsoever with Barclays upon making a purchase in fixed index annuities. Fixed index annuities are not sponsored, endorsed, sold or promoted by Barclays and Barclays makes no representation regarding the advisability of the fixed index annuities or use of the Index or any data included therein. Barclays shall not be liable in any way to the Issuer, policyholders or to other third parties in respect of the use or accuracy of the Index or any data included therein.

The Delaware Life fixed index annuities are not sponsored, endorsed, sold or promoted by Nasdaq, Inc. or its affiliates (Nasdaq, with its affiliates, are referred to as the “Corporations”). The Corporations have not passed on the legality or suitability of, or the accuracy or adequacy of descriptions and disclosures relating to, Delaware Life fixed index annuities. The Corporations make no representation or warranty, express or implied to the owners of Delaware Life fixed index annuities or any member of the public regarding the advisability of investing in securities generally or in Delaware Life fixed index annuities particularly, or the ability of the Nasdaq-100 Volatility Control 12%™ Index to track general stock market performance. The Corporations' only relationship to Delaware Life Insurance Company (“Delaware Life”) (“Licensee”) is in the licensing of the Nasdaq®, Nasdaq-100 Volatility Control 12%™; XNDX12E™, and certain trade names of the Corporations and the use of the Nasdaq-100 Volatility Control 12%™ Index which is determined, composed and calculated by Nasdaq without regard to Licensee or the Product(s). Nasdaq has no obligation to take the needs of the Licensee or the owners of Delaware Life fixed index annuities into consideration in determining, composing or calculating the Nasdaq-100 Volatility Control 12%™ Index. The Corporations are not responsible for and have not participated in the determination of the timing of, prices at, or quantities of Delaware Life fixed index annuities to be issued or in the determination or calculation of the equation by which the Delaware Life fixed index annuities are to be converted into cash. The Corporations have no liability in connection with the administration, marketing or trading of.

The Corporations do not guarantee the accuracy and/or uninterrupted calculation of Nasdaq-100 Volatility Control 12%™ Index or any data included therein. The Corporations make no warranty, express or implied, as to results to be obtained by Licensee, owners of the product(s), or any other person or entity from the use of the Nasdaq-100 Volatility Control 12%™ Index or any data included therein. The Corporations make no express or implied warranties, and expressly disclaim all warranties of merchantability or fitness for a particular purpose or use with respect to the Nasdaq-100 Volatility Control 12%™ Index or any data included therein. Without limiting any of the foregoing, in no event shall the Corporations have any liability for any lost profits or special, incidental, punitive, indirect, or consequential damages, even if notified of the possibility of such damages.