Momentum Growth
Delaware Life
9%
Best Cap
10%
Free W/D
49
States
Momentum Growth™ is a fixed index annuity that protects your principal while offering the potential for market-linked growth through index strategies. It's designed for retirees or near-retirees who want safety with calculated upside and the flexibility to customize their approach each year.
Free Withdrawal
10%/yr
Available In
49 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 | -- | 65% | -- |
| S&P 500 Dynamic Intraday TCA Index (USD) ER | Annual | -- | 60% | -- |
| S&P 500 Index | Annual | 9% | 100% | -- |
| Fixed Account | Daily | -- | -- | 4.15% |
Key Features
VersaGain™ Protection
Three protection levelsChoose annually to protect 0%, 50%, or 100% of your index gains. Unprotected gains can boost crediting rates for higher potential returns.
Index Lock Feature
Lock-in at any timeLock in your Available Gain at any point during the year to secure profits and protect them for the remainder of the contract year, regardless of market performance.
Five Index Strategies
Diversified optionsChoose from S&P 500, Nasdaq-100, S&P 500 Dynamic Intraday, Barclays Aries, or BlackRock Bitcoin-Equity blends to match your market outlook.
Premium Protection
100% principal safetyYour initial premium and any gains you choose to protect are guaranteed and cannot be negatively affected by market downturns.
Flexible Access
Multiple withdrawal optionsTake free withdrawals up to 10% annually after year one, annuitize for lifetime income, or access money through surrender options.
1-Year Point-to-Point Crediting
Annual reset, daily calculationsYour gains are calculated daily from the beginning to end of each 1-year contract term, with caps or participation rates applied.
Highlights
VersaGain™ feature lets you choose how much of your gains to protect each year (0%, 50%, or 100%), balancing safety with growth potential
Five diverse index options including S&P 500, Nasdaq-100, and even Bitcoin-equity blends for customized market exposure
Lock in gains at any time during the year to secure profits regardless of market downturns
Premium protection guaranteed—your initial investment never declines due to market performance
Flexible withdrawals and multiple income options when you're ready to access your money
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 near-retirees aged 18-80 who want principal protection, market-linked growth potential, and the flexibility to adjust their risk tolerance annually based on changing financial goals and market conditions.
Consider Alternatives If
Investors seeking immediate liquidity, those with a short time horizon (under 10 years), or individuals uncomfortable with the complexity of managing multiple index accounts and annual protection decisions.
Carrier Ratings
Free Comparison Report
Get a personalized Momentum Growth illustration
See year-by-year projections for your specific age, premium, and income goals.
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From the AdvisorWorld.com Community