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Fixed Indexed Annuity

DualTrack Income

Delaware Life

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10%

Free W/D

50

Jurisdictions

Product data status: July 13, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what DualTrack Income would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 13, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$147,810
Est. value at age 80 (DualTrack Income)
4%
Income-base roll-up
Barclays Aries Index — 95% Participation (Annual)
✦
How crediting works: the participation rate keeps a share of positive index returns; a down year credits 0%, never a loss. A participation strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies DualTrack Income's published participation rate (95% on Barclays Aries Index) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 13, 2026.

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See how DualTrack Income compares for your age, state, premium, and income goals alongside other Delaware Life fixed indexed annuity options.

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Live rate data

Run live numbers for DualTrack Income

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Delaware Life product.

Live product data

Rates as of July 13, 2026, based on the latest AdvisorWorld scan of CANNEX data.

Guaranteed lifetime withdrawal rate (10-year deferral, single life)

4.8% lifetime payout + 4% roll-up

A ten-year-surrender, income-rider-led fixed indexed annuity from A-rated Delaware Life, built to deliver a Guaranteed Lifetime Withdrawal Benefit payout after a deferral period, with all crediting on proprietary volatility-controlled indexes rather than an uncontrolled S&P 500.

1.2% annual rider feeAdvisorWorld + CANNEX data

Best fit

Buyers who want a contractually guaranteed lifetime income stream, are willing to wait the full ten-year deferral to realize the headline rider rate, and value an income FIA from an A-rated carrier with an RMD-friendly rider design.

AM Best

A- Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

Fixed Account

Fixed Account

3.85% declared rate

Fixed account

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

+ 8 additional crediting options (S&P 500, Nasdaq-100 Volatility, Barclays Aries...)

Lifetime Income Riders

Income rider

Guaranteed Withdrawal Benefit

Lifetime payout rate4.8% lifetime payout
Annual rider fee1.2% annual rider fee
Guaranteed roll-up4%/yr
Interest multiplier2x interest multiplier

Product analyst notes

How to think about this contract

Why it can stand out

  • Guaranteed Lifetime Withdrawal Benefit rider is the core feature — the contract is built to deliver a guaranteed lifetime income stream after a deferral period, with the rider rate scaling materially higher for buyers willing to wait the full ten-year deferral.
  • RMD-friendly rider design — the rider supports IRS Required Minimum Distribution withdrawals without forfeiting the lifetime payout guarantee, which matters for qualified-account funding.
  • Carrier financial strength is rated by two independent agencies (A.M. Best and S&P), so the strength view is not a single-source read.
  • Free-withdrawal allowance and the full ten-year surrender ladder are visible on this page, so the schedule of penalty-free liquidity is not gated behind a sales brochure.

What to confirm

  • The GLWB rider carries an explicit annual fee deducted from the contract value whether the index returns are positive or negative. The headline withdrawal rate is the rate the rider pays; the rider fee is the price the buyer pays for that guarantee. Compare net-of-fee against any rival income FIA.
  • The 10-year-deferral headline only applies if the buyer actually defers for ten years. A buyer who turns the rider on earlier receives a materially lower rate — the year-0 single-life tier sits well below the 10-year tier — so the headline is conditional, not unconditional.
  • The ten-year surrender term sits at the long end of the FIA market. The income-rider value proposition assumes the buyer holds through the surrender ladder; an early exit forfeits the rider entirely and triggers high surrender charges in the early years.
  • Minimum issue age on the rider is 55, so this filing is not the right fit for a buyer who needs to start lifetime income before age 55. The underlying index menu (Barclays Aries, BlackRock U.S. Equity Bitcoin Balanced Risk, Nasdaq-100 Volatility Control, S&P 500 Dynamic Intraday TCA) is entirely proprietary volatility-controlled — there is no uncontrolled S&P 500 cap on this filing, so accumulation buyers should look elsewhere.

Not ideal for

Buyers who want index-linked accumulation rather than a rider payout, who need to start lifetime income before age 55, who want an uncontrolled S&P 500 cap as the growth engine, or who can't commit to the full ten-year surrender to realize the rider's headline.

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See how DualTrack Income compares for your age, state, premium, and income goals alongside other Delaware Life fixed indexed annuity options.

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All crediting strategies

View rate listings (10 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 95% · 1-yr

Barclays Aries Index

participation

10-yr surrender$100,000+

Par: 70% · 1-yr

Nasdaq-100 Volatility Control 12% Index

participation

10-yr surrender$100,000+

Par: 60% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

10-yr surrender$100,000+

Par: 55% · 1-yr

BlackRock U.S. Equity Bitcoin Balanced Risk 12% Index

participation

10-yr surrender$100,000+

Fixed: 3.85% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 85% · 1-yr

Barclays Aries Index

participation

10-yr surrenderUp to $99,999.99

Par: 64% · 1-yr

Nasdaq-100 Volatility Control 12% Index

participation

10-yr surrenderUp to $99,999.99

Par: 55% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

10-yr surrenderUp to $99,999.99

Par: 50% · 1-yr

BlackRock U.S. Equity Bitcoin Balanced Risk 12% Index

participation

10-yr surrenderUp to $99,999.99

Fixed: 3.6% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $99,999.99

Income riders

Income rider

Guaranteed Lifetime Withdrawal Benefit

Lifetime withdrawal rate4.8%
Annual rider fee1.2%
Guaranteed roll-up4%/yr
Income multiplier2× multiplier
Deferral assumed10 years

GLWB

Linked review

DualTrack Income review notes

Explore DualTrack Income FIA: lifetime income rider, fees, rates, withdrawal rules, and the biggest pros and cons.

4/5Read review
Nikhil Bhauwala

Common questions about DualTrack Income

● Can I lose money in DualTrack Income?

A negative index return by itself does not reduce the contract's account value: DualTrack Income credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● Is the Guaranteed Lifetime Withdrawal Benefit income rider worth the 1.2% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 4% roll-up and 4.8% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The surrender period runs 10 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do DualTrack Income's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current DualTrack Income strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

2

Nursing home waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Fixed account guarantee

1.00%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

10%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

PLACEHOLDER-IMO_DT773BR_Brochure_-_DualTrack_Income_FIA.pdf

Confidence: highReviewed Apr 7, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA-
S&PA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

DualTrack Income currently shows 10 indexed or fixed crediting options, including Fixed Account, with 8 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • Fixed Account: 3.85% fixed account rate
  • Fixed Account: 3.6% fixed account rate

Income rider language

What to look for before treating the rider as income

Guaranteed Lifetime Withdrawal Benefit is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 4.8% withdrawal rate
  • 1.2% rider fee
  • 10 deferral years

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as PLACEHOLDER-IMO_DT773BR_Brochure_-_DualTrack_Income_FIA.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

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See how DualTrack Income compares for your age, state, premium, and income goals alongside other Delaware Life fixed indexed annuity options.

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