Fixed Indexed Annuity

PrimeStart Bonus 10

Delaware Life

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7.25%

Best S&P 500 Annual Cap

10%

Free W/D

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

See what PrimeStart Bonus 10 would do for you

Set your numbers and switch between growth strategies and liquidity scenarios. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer

Illustrative — live CANNEX rates as of September 4, 2026; not a projection or guarantee.

Premium$100,000

Your age60

Crediting strategy

Compare against

$337,973

Est. value at age 80 (PrimeStart Bonus 10)

10%

Premium bonus offered

S&P 500 Index — 9.15% Cap (With Precision Portfolio Enhanced (with fee) · 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 PrimeStart Bonus 10's published cap rate (9.15% 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. Growth starts from a bonus-adjusted illustrative account value: $100,000 premium + $10,000 premium bonus (10%) = $110,000. Bonus vesting and withdrawal treatment follow the contract. Not a projection, quote, or guarantee. Live CANNEX rates as of September 4, 2026.

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See how PrimeStart Bonus 10 compares for your age, state, premium, and income goals alongside other Delaware Life fixed indexed annuity options.

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rate data

Run numbers for PrimeStart Bonus 10

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.

S&P 500 annual cap rate

7.25% cap on S&P 500

A ten-year-surrender, bonus-bearing fixed indexed annuity from A-rated Delaware Life, built for index-linked accumulation with an upfront premium bonus and an optional fee-bearing 'Enhanced' tier that lifts caps and participation rates in exchange for an explicit strategy fee.

1-year term$100,000+AdvisorWorld + CANNEX data

Best fit

Buyers committed to a full ten-year deferral who want an upfront premium bonus on their accumulation, are comfortable trading a lower base cap for that bonus, and may elect to pay an explicit strategy fee in exchange for higher Enhanced caps and participation rates.

AM Best

A- Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Caps, participation rates, and declared rates are shown separately.

Index / strategyRate mechanicsCreditingSurrenderPremium

S&P 500

S&P 500 Index

6% cap rate

Annual cap

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

Rate varies by premium band.

1-year term

10-year surrender

$100,000+

S&P 500

S&P 500 Index

Enhanced (with Fee)

7.65% cap rate

Annual cap

Strategy fee: 1%/yr

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

Rate varies by premium band.

1-year term

10-year surrender

$100,000+

S&P 500

S&P 500 Index

With Precision Portfolio

7.25% cap rate

Annual point-to-point

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

1-year term

Surrender term not shown

$100,000+

S&P 500

S&P 500 Index

With Precision Portfolio Enhanced (with fee)

9.15% cap rate

Annual point-to-point

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

1-year term

Surrender term not shown

$100,000+

S&P 500

S&P 500 Index

4.65% trigger rate

Performance trigger

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

Rate varies by premium band.

1-year term

10-year surrender

$100,000+

S&P 500

S&P 500 Index

Enhanced (with Fee)

5.75% trigger rate

Performance trigger

Strategy fee: 1%/yr

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

Rate varies by premium band.

1-year term

10-year surrender

$100,000+

S&P 500

S&P 500 Index

35% participation rate

Participation

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

Rate varies by premium band.

1-year term

10-year surrender

$100,000+

S&P 500

S&P 500 Index

Enhanced (with Fee)

40% participation rate

Participation

Strategy fee: 1%/yr

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

Rate varies by premium band.

1-year term

10-year surrender

$100,000+

Fixed Account

3.25% 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+

+ 24 additional crediting options (S&P 500, Nasdaq-100 Intraday, Goldman Sachs...)

Product analyst notes

How to think about this contract

Why it can stand out

Premium bonus is the core selling point of this contract — the 'PrimeStart Bonus 10' name signals an upfront credit on the contract value that offsets the long surrender commitment. Buyers should verify the bonus schedule, any vesting requirement, and how the bonus interacts with surrender charges in the brochure before purchase.
Buyers who are willing to pay an explicit strategy fee can elect 'Enhanced' versions of the crediting strategies, which post higher cap and participation rates than the base — a transparent fee-for-uplift trade-off that the product shows on the rate sheet rather than burying.
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.
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 — despite the marketing emphasis on retirement income that 'PrimeStart' branding can suggest. Do not compare its payout side-by-side with a rider-led income FIA.
The base S&P 500 annual point-to-point cap on this contract sits in the mid-single-digit range — meaningfully below most ten-year accumulation FIAs in the public catalog without a bonus. The premium bonus is doing the work; weigh the bonus against the cap drag before treating the bonus headline as a free uplift.
The 'Enhanced (with Fee)' crediting strategies carry an explicit annual strategy fee that is deducted whether the index shown are positive or negative. A buyer who elects Enhanced is paying for the higher caps and participation rates; in a down year that fee still applies. Treat the Enhanced rates as net-of-fee uplift, not a free bump.
The ten-year surrender term sits at the long end of the FIA market. Premium bonuses on FIAs typically include vesting/recapture provisions tied to the full surrender schedule — verify in the brochure how much of the bonus a buyer would actually keep if they exit early.

Not ideal for

Buyers who need a contractually guaranteed GLWB-rider withdrawal rate, want the highest available S&P 500 cap without a strategy fee, want a shorter surrender commitment, or are uncomfortable with the vesting/recapture provisions that typically accompany a bonused FIA.

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All crediting strategies

View rate listings (42 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 170% · 1-yr

Franklin SG Select Index

Participation Rate, Boost & Knockout (with Fee) · participation

10-yr surrender$100,000+

Par: 130% · 1-yr

Franklin SG Select Index

Participation Rate, Boost & Knockout · participation

10-yr surrender$100,000+

Par: 105% · 1-yr

Goldman Sachs Canopy Index

Enhanced (with Fee) · participation

10-yr surrender$100,000+

Par: 80% · 1-yr

Goldman Sachs Canopy Index

participation

10-yr surrender$100,000+

Par: 70% · 1-yr

First Trust Capital Strength Barclays 10% Index

Participation Rate & Volatility Limit · participation

10-yr surrender$100,000+

Par: 61% · 1-yr

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

Enhanced (with Fee) · participation

10-yr surrender$100,000+

Par: 60% · 1-yr

Nasdaq-100 Intraday Elite 15% Index

Enhanced (with Fee) · participation

10-yr surrender$100,000+

Par: 58% · 1-yr

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

Enhanced (with Fee) · participation

10-yr surrender$100,000+

Par: 47% · 1-yr

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

participation

10-yr surrender$100,000+

Par: 45% · 1-yr

Nasdaq-100 Intraday Elite 15% Index

participation

10-yr surrender$100,000+

Par: 45% · 1-yr

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

participation

10-yr surrender$100,000+

Par: 40% · 1-yr

S&P 500 Index

Enhanced (with Fee) · participation

10-yr surrender$100,000+

Par: 35% · 1-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Cap: 7.65% · 1-yr

S&P 500 Index

Enhanced (with Fee) · cap

10-yr surrender$100,000+

Cap: 6% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Trigger: 5.75% · 1-yr

S&P 500 Index

Enhanced (with Fee) · trigger

10-yr surrender$100,000+

Trigger: 4.65% · 1-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Fixed: 3.25% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 160% · 1-yr

Franklin SG Select Index

Participation Rate, Boost & Knockout (with Fee) · participation