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Fixed Indexed Annuity

Momentum Growth

Delaware Life

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9.5%

Best S&P 500 Annual Cap

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 Momentum Growth 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
$309,222
Est. value at age 80 (Momentum Growth)
9.5%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 9.5% Cap (Flexible Cap · Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Momentum Growth's published cap rate (9.5% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/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 Momentum Growth 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 Momentum Growth

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.

S&P 500 annual cap rate

9.5% cap on S&P 500

A ten-year-surrender fixed indexed annuity from A-rated Delaware Life, built for index-linked accumulation on a 'Flexible Cap' S&P 500 strategy plus a curated set of proprietary volatility-controlled participation benchmarks, with no income rider and no premium bonus.

1-year term10-year surrender$100,000+AdvisorWorld + CANNEX data

Best fit

Buyers committed to a full ten-year deferral who want index-linked accumulation, value a curated rather than sprawling index menu, and don't need a guaranteed lifetime-income rider built into the contract.

AM Best

A- Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

Flexible Cap

9.5% cap rate

Annual cap

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

Rate varies by premium band.

Fixed Account

Fixed Account

4.65% 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...)

Product analyst notes

How to think about this contract

Why it can stand out

  • 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.
  • Index menu pairs the recognizable S&P 500 with a curated set of proprietary volatility-controlled benchmarks (Barclays Aries, BlackRock U.S. Equity Bitcoin Balanced Risk, Nasdaq-100 Volatility Control, S&P 500 Dynamic Intraday TCA) — the buyer can choose between like-for-like cap comparison and higher-participation alternatives.
  • 'Flexible Cap' design on the S&P 500 strategy is contractually defined — the cap can flex year-to-year but is held above a guaranteed minimum, which is the number a buyer who wants a worst-case planning floor should compare against.
  • 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

  • This contract is not a guaranteed-lifetime-withdrawal product. There is no GLWB income rider attached — the live feed shows an empty income-rider list. Do not compare its payout side-by-side with a rider-led income FIA, including the sibling 'DualTrack Income' filing.
  • The ten-year surrender term sits at the long end of the FIA market. Buyers who do not need a full ten-year deferral should compare a shorter-surrender FIA — Delaware Life's own seven-year filings (Growth Pathway, Retirement Stages Select) cover the same accumulation purpose with a shorter lock-up.
  • There is no premium bonus and no death-benefit roll-up on this contract — the death benefit is the standard contract value with no guaranteed legacy bump.
  • The 'Flexible Cap' design means the current cap can renew lower in any future year, subject only to the contract's guaranteed minimum. The current headline is not contractually locked for the surrender term; the renewal-risk floor is what's guaranteed.

Not ideal for

Buyers who need a contractually guaranteed GLWB-rider withdrawal rate, want a shorter surrender commitment, expect a premium bonus to offset the long surrender term, or want a fully locked cap rather than a flexible one that resets year-to-year.

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See how Momentum Growth 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 (12 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

Flexible Participation Rate · participation

10-yr surrender$100,000+

Par: 70% · 1-yr

Nasdaq-100 Volatility Control 12% Index

Flexible Participate Rate · participation

10-yr surrender$100,000+

Par: 65% · 1-yr

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

Flexible Participation Rate · participation

10-yr surrender$100,000+

Par: 55% · 1-yr

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

Flexible Participation Rate · participation

10-yr surrender$100,000+

Cap: 9.5% · 1-yr

S&P 500 Index

Flexible Cap · cap

10-yr surrender$100,000+

Fixed: 4.65% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 85% · 1-yr

Barclays Aries Index

Flexible Participation Rate · participation

10-yr surrenderUp to $99,999.99

Par: 65% · 1-yr

Nasdaq-100 Volatility Control 12% Index

Flexible Participate Rate · participation

10-yr surrenderUp to $99,999.99

Par: 60% · 1-yr

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

Flexible Participation Rate · participation

10-yr surrenderUp to $99,999.99

Par: 50% · 1-yr

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

Flexible Participation Rate · participation

10-yr surrenderUp to $99,999.99

Cap: 7.75% · 1-yr

S&P 500 Index

Flexible Cap · cap

10-yr surrenderUp to $99,999.99

Fixed: 4.3% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $99,999.99

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Linked review

Momentum Growth review notes

A deep dive into Delaware Life Momentum Growth FIA—VersaGain, growth potential, risks, rates, and who this annuity is best for.

4/5Read review
Nikhil Bhauwala

Common questions about Momentum Growth

● Can I lose money in Momentum Growth?

A negative index return by itself does not reduce the contract's account value: Momentum Growth 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.

● 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 Momentum Growth's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Momentum Growth 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.

Cap-rate floor

1.00%

Minimum guaranteed cap for cap-based indexed strategies.

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_MG778BR_Brochure_-_Momentum_Growth_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

Momentum Growth currently shows 12 indexed or fixed crediting options, including S&P 500 Index and 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.

  • S&P 500 Index: 9.5% annual cap
  • S&P 500 Index: 7.75% annual cap
  • Fixed Account: 4.65% fixed account rate
  • Fixed Account: 4.3% fixed account rate

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_MG778BR_Brochure_-_Momentum_Growth_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 Momentum Growth compares for your age, state, premium, and income goals alongside other Delaware Life fixed indexed annuity options.

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