Growth Pathway
Delaware Life
8.9%
Best Cap
10%
Free W/D
50
States
A flexible premium fixed index annuity that lets you earn returns based on market index performance while protecting your principal from market losses. Designed for people approaching retirement who want growth potential without the risk of market downturns.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$10,000
Surrender
7 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| First Trust Capital Strength Barclays 10% Index | Annual | -- | 80% | -- |
| Franklin SG Select Index | Annual | -- | 100% | -- |
| Invesco QQQ Trust Series 1 | Annual | 8.9% | 100% | -- |
| Janus Henderson Adaptive Market Leaders U.S. Index | Annual | -- | 110% | -- |
| S&P 500 Index | Annual | 9.65% | 100% | -- |
| Fixed Account | Daily | -- | -- | 4.6% |
Key Features
Guaranteed Minimum Account Value (GMAV)
115%-125% of initial premium after 5-7 yearsGuarantees a minimum percentage increase over your surrender charge period. Build-your-own-portfolio gets 115% (5-year) or 121% (7-year). Precision Portfolios get 118% (5-year) or 125% (7-year).
Point-to-Point Crediting
Annual crediting with downside protectionYour account is credited with interest based on index performance measured from the beginning to the end of each 1-year term. If the index rises, you earn a portion of the gain. If it falls, you earn 0% but lose nothing.
Locked Index Strategies
Available at no additional cost5-year or 7-year rate lock options available at contract issue provide long-term protection against rate decreases.
Multiple Index Options
5+ indexes plus 2 pre-built Precision PortfoliosChoose from S&P 500, Nasdaq-100 (Invesco QQQ), volatility-controlled indexes (Franklin, First Trust, Janus Henderson), or mix your own portfolio.
Free Withdrawals
10% annual access without surrender chargesTake up to 10% of total premiums in year 1, or greater of 10% of last anniversary value or RMD in subsequent years, penalty-free.
Flexible Premium Payments
Minimum $500 per addition; max $1M total without approvalAdd money anytime. Additional payments do not extend your surrender charge schedule, allowing continued deposits without restarting surrender periods.
Surrender Charge Exceptions
Multiple penalty-free exit optionsPenalty-free withdrawals available for Required Minimum Distributions, declining cap rates (bailout), nursing home confinement (90+ days), and terminal illness (after 1 year).
Highlights
Guaranteed Minimum Account Value (GMAV) ensures your money grows by a minimum percentage regardless of market performance
Lock in gains automatically each year while protecting against market downturns with zero loss of principal or credited interest
Flexible premium payments with no cost features like rate lock strategies and customizable index portfolios
Multiple index options including volatility-controlled strategies designed for consistent, predictable returns
Surrender Schedule
Yr 1
9.2%
Yr 2
8.2%
Yr 3
7.2%
Yr 4
6.2%
Yr 5
5.2%
Yr 6
4.15%
Yr 7
3.15%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver
Best For
Conservative investors with 5-7+ year time horizon who want market upside potential combined with principal protection and guaranteed growth, particularly late savers and inflation-concerned retirees.
Consider Alternatives If
Investors needing frequent access to their funds, those with less than 5-year time horizon, or those who cannot tolerate surrender charges on excess withdrawals.
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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From the AdvisorWorld.com Community