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. Retirement Stages Select™ fixed index annuity is 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 Retirement Stages Select™ fixed index annuity or any member of the public regarding the advisability of investing in securities generally or in Retirement Stages Select™ fixed index annuity 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 Retirement Stages Select™ fixed index annuity. S&P Dow Jones Indices has no obligation to take the needs of Delaware Life or the owners of Retirement Stages Select™ fixed index annuity 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 Retirement Stages Select™ fixed index annuity. 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 RETIREMENT STAGES SELECT™ FIXED INDEX ANNUITY, 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 (“BB PLC”) nor any of its affiliates (collectively ‘Barclays’) is the issuer or producer of the Delaware Life Retirement Stages Select™ fixed index annuity and Barclays has no responsibilities, obligations, or duties to investors in Retirement Stages Select™, 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 Retirement Stages Select™ fixed index annuity (the ‘Issuer’).

Barclays’ only relationship with the Issuer in respect of 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 Retirement Stages Select™ fixed index annuity or investors in the Retirement Stages Select™ fixed index annuity. Additionally, Delaware Life Insurance Company as issuer or producer of the Retirement Stages Select™ fixed index annuity may for itself execute transaction(s) with Barclays in or relating to The First Trust Capital Strength® Barclays 10% Index in connection with Retirement Stages Select™. Investors acquire the Retirement Stages Select™ fixed index annuity from Delaware Life Insurance Company and investors neither acquire any interest in The First Trust Capital Strength® Barclays 10% Index nor enter into any relationship of any kind whatsoever with Barclays upon making an investment in Retirement Stages Select™. Retirement Stages Select™ fixed index annuity is not sponsored, endorsed, sold, or promoted by Barclays and Barclays makes no representation regarding the advisability of the Retirement Stages Select™ fixed index annuity 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 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 have been licensed for use by Delaware Life. Retirement Stages Select™ fixed index annuity (“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.

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 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.

Retirement Stages Select™ fixed index annuity 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 Retirement Stages Select™ fixed index annuity 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 Retirement Stages Select™ fixed index annuity. Goldman Sachs and its third-party data providers do not have any obligation to take the needs of the holders of Retirement Stages Select™ fixed index annuity 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 RETIREMENT STAGES SELECT™ FIXED INDEX ANNUITY. 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 THE THIRD-PARTY PROVIDER AND GOLDMAN SACHS.