Momentum Growth Plus
Delaware Life
5.5%
Best Cap
10%
Free W/D
49
States
Momentum Growth Plus is a fixed index annuity that combines premium protection with growth potential tied to market index performance. It's designed for retirees who want downside protection but also want flexibility to customize their growth strategy and capture market gains when conditions favor it.
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 | -- | 73% | -- |
| BlackRock U.S. Equity Bitcoin Balanced Risk 12% Index | Annual | -- | 45% | -- |
| Nasdaq-100 Volatility Control 12% Index | Annual | -- | 53% | -- |
| S&P 500 Dynamic Intraday TCA Index (USD) ER | Annual | -- | 45% | -- |
| S&P 500 Index | Annual | 5.5% | 100% | -- |
| Fixed Account | Daily | -- | -- | 2.75% |
Key Features
Premium Bonus
15% bonusReceive an immediate bonus of 15% on premium payments made within the first year, vested gradually over 10 years
VersaGain™ Control
Flexible 0-100% controlChoose annually what percentage of your interest and bonus gains to protect (100%, 50%, or 0%), with unprotected amounts potentially earning higher crediting rates
Index Lock
Lock-in anytimeLock in your available gains at any time during the contract year to secure returns regardless of how markets subsequently perform
Six Index Options
6 diversified choicesAllocate funds across S&P 500, Nasdaq-100 Volatility Control, Barclays Aries, S&P 500 Dynamic Intraday TCA, BlackRock Bitcoin Balanced, or a fixed rate account
Premium Protection
100% downside protectionYour initial premium and vested bonus are guaranteed safe—you cannot lose them due to market declines
Free Withdrawals
10% annual free accessAccess up to 10% of premium in year one, then 10% of account value or required minimum distributions annually without surrender charges
Flexible Income Options
Multiple payout choicesConvert your annuity to lifetime income, period-certain income, or joint survivor options at annuitization
Highlights
15% premium bonus with 10-year vesting plus daily crediting calculations provide immediate and sustained growth
VersaGain™ feature lets you control how much interest to protect (0%, 50%, or 100%) each year while keeping unprotected gains at risk for higher returns
Index lock option allows you to capture gains at any time during the year, securing returns regardless of market direction
Six diversified index options plus a fixed rate account give you flexibility to match your risk tolerance and market outlook
Premium protection ensures your initial investment is safe even if markets decline, with no direct stock market participation
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 (ages 18-80) who want portfolio protection against market downturns but also want the potential for higher growth if markets perform well, with the ability to actively manage their risk tolerance year-to-year.
Consider Alternatives If
Investors seeking immediate liquidity or those who cannot accept the 10-year surrender charge period without accessing more than 10% annually.
Carrier Ratings
Free Comparison Report
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