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10%
Free W/D
50
Available jurisdictions
Product data status: updated regularly
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
Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.
Free Comparison Report
See how DualTrack Income compares for your age, state, premium, and income goals alongside other Delaware Life fixed indexed annuity options.
rate data
rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Delaware Life product.
Live product data
Rates as of September 4, 2026, from AdvisorWorld and CANNEX.
Guaranteed lifetime withdrawal rate (10-year deferral, single life)
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.
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)
Caps, participation rates, and declared rates are shown separately.
Fixed Account
Fixed Account
3.85% declared rate
Fixed account
1-year term · 10-year surrender · $100,000+
Rate varies by premium band.
1-year term
10-year surrender
$100,000+
Income rider
Product analyst notes
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 primary growth strategy, or who can't commit to the full ten-year surrender to realize the rider's headline.
Free Comparison Report
See how DualTrack Income compares for your age, state, premium, and income goals alongside other Delaware Life fixed indexed annuity options.
These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.
Par: 95% · 1-yr
Barclays Aries Index
participation
Par: 70% · 1-yr
Nasdaq-100 Volatility Control 12% Index
participation
Par: 60% · 1-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
participation
Par: 55% · 1-yr
BlackRock U.S. Equity Bitcoin Balanced Risk 12% Index
participation
Fixed: 3.85% · 1-yr
Fixed Account
fixed
Par: 85% · 1-yr
Barclays Aries Index
participation
Par: 64% · 1-yr
Nasdaq-100 Volatility Control 12% Index
participation
Par: 55% · 1-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
participation
Par: 50% · 1-yr
BlackRock U.S. Equity Bitcoin Balanced Risk 12% Index
participation
Fixed: 3.6% · 1-yr
Fixed Account
fixed
Income rider
GLWB
Linked review
Explore DualTrack Income FIA: lifetime income rider, fees, rates, withdrawal rules, and the biggest pros and cons.
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 the published rider fee, withdrawals, surrender charges, 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.
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.
Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.
Use "Compare against" in the analyzer to overlay another available 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.
Annual amount that may be available without surrender charges, subject to contract terms.
Nursing home waiver, Terminal illness waiver
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Guaranteed minimum interest rate for the fixed account.
Minimum guaranteed participation rate for participation-rate indexed strategies.
Published payout options from the normalized contract facts.
Availability can vary by state and product terms.
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
brochure
Direct link not published — request the document from the carrier.
Crediting design
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, and renewal terms are different mechanics and should not be ranked as one simple rate list.
Income rider language
Guaranteed Lifetime Withdrawal Benefit is the main income rider listed 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.
Liquidity terms
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.
Verification note
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.
Free Comparison Report
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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