DualTrack Income
Delaware Life
10%
Free W/D
50
States
DualTrack Income is a fixed index annuity that grows your retirement savings through two competing paths—a guaranteed 9% roll-up and a performance-based multiplier—giving you lifetime income guarantees plus market upside potential. It's designed for people who want protection from market losses but don't want to give up growth opportunities.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$25,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Barclays Aries Index | Annual | -- | 85% | -- |
| BlackRock U.S. Equity Bitcoin Balanced Risk 12% Index | Annual | -- | 55% | -- |
| Nasdaq-100 Volatility Control 12% Index | Annual | -- | 64% | -- |
| S&P 500 Dynamic Intraday TCA Index (USD) ER | Annual | -- | 60% | -- |
| Fixed Account | Daily | -- | -- | 3.6% |
Key Features
Dual Income Tracks with Milestone Stack
9% guaranteed roll-up + 150% performance multiplierYour withdrawal base grows via both a guaranteed 9% annual roll-up and a 150% performance multiplier. At years 5 and 10, the lower track resets to the higher value, so you benefit from compounding without choosing one path over the other.
Guaranteed Lifetime Withdrawal Benefit (GLWB)
Income for life, even if account reaches zeroOnce you start taking income, you receive a set Annual Withdrawal Amount for life based on your age and withdrawal base, regardless of market performance or account value.
Market Protection with Index Growth
0% floor on losses + participation in index gainsYour money is not directly invested in stocks but earns interest based on index performance. If the index falls, your principal is protected; if it rises, you participate in gains up to a set percentage.
Chronic Illness Income Multiplier
2x income boost for up to 5 yearsIf you become unable to perform at least two of six activities of daily living, your annual withdrawal amount doubles for up to five years at no additional cost.
Flexible Withdrawal Options
Up to 10% free annual withdrawals + hardship waiversTake free withdrawals up to 10% of your account or your guaranteed annual amount without penalties. Access funds for nursing home or hospice care without surrender charges under certain conditions.
Index Strategy Diversification
4 diversified index options with annual reallocationChoose from four index strategies covering U.S. equities, treasuries, futures, and cryptocurrency, or mix and match. Reallocate annually on contract anniversaries.
Highlights
Two income tracks that automatically reset to the higher value at years 5 and 10, maximizing growth without choosing between guarantees and performance
Guaranteed lifetime income payments even if your account value drops to zero, backed by a 9% annual roll-up rate
Protection against market downturns with tax-deferred growth tied to stock index performance
Chronic illness multiplier doubles your income for up to 5 years at no extra cost if you can't perform two of six daily living activities
Flexible access to your money through free withdrawals, annuitization options, and hardship waivers
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
Best For
Retirees and pre-retirees age 45-80 who want guaranteed lifetime income, protection from market losses, potential for growth, and don't need immediate access to all their money.
Consider Alternatives If
People who need immediate access to their full account value, prefer highly liquid investments, or are uncomfortable with 10-year surrender charge periods.
Carrier Ratings
Free Comparison Report
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See year-by-year projections for your specific age, premium, and income goals.
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