PrimeStart Bonus 10
Delaware Life
9.15%
Best Cap
10%
Free W/D
50
States
PrimeStart Bonus 10™ is a fixed index annuity that combines downside protection with market-linked growth potential, featuring a 14% premium bonus and multiple index strategies designed to help you build retirement savings without bearing full market risk.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$25,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| BlackRock U.S. Equity Bitcoin Balanced Risk 12% Index | Annual | -- | 40% | -- |
| First Trust Capital Strength Barclays 10% Index | Annual | -- | 65% | -- |
| Franklin SG Select Index | Annual | -- | 120% | -- |
| Goldman Sachs Canopy Index | Annual | -- | 80% | -- |
| Nasdaq-100 Intraday Elite 15% Index | Annual | -- | 60% | -- |
| S&P 500 Dynamic Intraday TCA Index (USD) ER | Annual | -- | 47% | -- |
| S&P 500 Index | Annual | 9.15% | 100% | -- |
| Fixed Account | Daily | -- | -- | 3.1% |
Key Features
Premium Bonus
14%An immediate 14% bonus credited to your account on all premium payments made within the first 60 days of contract issue
Lowest Starting Index Value
First 90 daysYour starting index value is set at the lowest daily index value from the first 90 days, helping you capture more upside if the market recovers
Downside Protection
0% floor on lossesIf your chosen index strategy declines, you don't lose money—previous earnings are locked in and protected
Multiple Index Strategies
7 indexes availableChoose from 7 different index strategies including S&P 500, Nasdaq-100, and multi-asset strategies, or select a pre-built Precision Portfolio
Tax-Deferred Growth
Tax-deferredYour interest earnings grow tax-deferred, meaning you don't pay taxes on gains until you withdraw money
Free Withdrawal
10% annualTake up to 10% of your account value each year without surrender charges or penalties
Lifetime Income Option
Single or jointConvert your annuity into guaranteed income that lasts your entire lifetime, protecting you from outliving your savings
Flexible Premiums
$25,000 minimumStart with a minimum of $25,000 and add additional contributions of at least $500 as your financial situation allows
Highlights
14% premium bonus on contributions made within first 60 days gives you an immediate boost to your account
Lowest Starting Index Value feature reduces the risk of your money being invested at market peaks
Protection against market downturns—your account doesn't lose value if the index falls, but you can still earn gains when markets perform well
Multiple diversified index strategies and two ready-made Precision Portfolios let you customize your growth approach
Tax-deferred growth with flexible access to your money and the option to convert to guaranteed lifetime income
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7.25%
Yr 4
6.5%
Yr 5
5.5%
Yr 6
4.75%
Yr 7
3.75%
Yr 8
3%
Yr 9
2%
Yr 10
1%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Investors age 18–80 who want market growth potential with downside protection, have a long time horizon before retirement, and want to avoid the volatility of direct stock market investing.
Consider Alternatives If
People who need frequent access to their money without penalties, those uncomfortable with index-based strategies, or anyone who cannot afford to lock funds away for the surrender charge period.
Carrier Ratings
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