Retirement Stages Select
Delaware Life
10.4%
Best Cap
10%
Free W/D
50
States
Retirement Stages Select® is a fixed index annuity designed to help you grow your retirement savings with downside protection. It combines tax-deferred growth potential tied to market indexes with guaranteed safety—you won't lose your principal or credited interest if markets decline.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$25,000
Surrender
7 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| BlackRock U.S. Equity Bitcoin Balanced Risk 12% Index | Annual | -- | 65% | -- |
| First Trust Capital Strength Barclays 10% Index | Annual | -- | 85% | -- |
| Franklin SG Select Index | Annual | -- | 150% | -- |
| Goldman Sachs Canopy Index | Annual | -- | 90% | -- |
| Nasdaq-100 Intraday Elite 15% Index | Annual | -- | 65% | -- |
| S&P 500 Dynamic Intraday TCA Index (USD) ER | Annual | -- | 65% | -- |
| S&P 500 Index | Annual | 10.4% | 100% | -- |
| Fixed Account | Daily | -- | -- | 4.1% |
Key Features
Downside Protection
0% minimum annual returnYour account value is protected from market declines. You never lose your principal or previously credited interest, regardless of index performance.
Upside Opportunity
Varies by strategy and crediting optionWhen markets perform well, you earn interest based on the performance of your chosen index or indexes, measured annually.
Multiple Index Strategies
8 index options availableChoose from 8 different index strategies including S&P 500®, Nasdaq-100, Goldman Sachs Canopy, and others, or combine them for diversification.
Precision Portfolios
2 turnkey portfolio optionsPre-built diversified multi-index portfolios (Precision Core and Precision Edge) designed to match different retirement goals and risk tolerances.
Free Annual Withdrawals
10% penalty-free annuallyAfter the first year, withdraw up to 10% of your account value or your Required Minimum Distribution without surrender charges.
Bailout Provision
Interest rate protectionIf interest rates fall below a specified level, you can withdraw your full account value without surrender charges or market value adjustments.
Flexible Premiums
Minimum $500 per additionMake additional premium payments anytime, and they won't extend your surrender charge schedule.
Tax-Deferred Growth
Qualified and nonqualified money eligibleYour account value grows tax-deferred, meaning you don't pay taxes on gains until you withdraw.
Lifetime Income Options
Maximum annuitization age 95Annuitize your contract to receive guaranteed lifetime income, with options for single-life or joint-and-survivor payout.
No-Cost Waivers
Must meet eligibility criteriaWithdraw without surrender charges if confined to a nursing home for 90+ days or for hospice care due to terminal illness.
Highlights
Protects your retirement savings from market downturns while giving you upside growth potential when markets perform well
Gains are automatically locked in each year, so you never lose credited interest even if markets decline
Offers flexible access to your money with free withdrawals, multiple index strategies, and the option to annuitize for lifetime income
No-cost features including bailout provision for interest rate protection and waivers for nursing home or terminal illness
Diversified index options and pre-built Precision Portfolios make it easy to tailor your retirement strategy
Surrender Schedule
Yr 1
8.2%
Yr 2
7.2%
Yr 3
6.2%
Yr 4
5.2%
Yr 5
4.2%
Yr 6
3.15%
Yr 7
2.15%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Individuals approaching or in retirement who want to grow their savings with downside protection, are comfortable with annual interest crediting, and seek a balance between growth opportunity and guaranteed safety.
Consider Alternatives If
Investors who need frequent access to their money, those seeking direct stock market participation, or individuals who may need to access their full account value within the surrender charge period.
Carrier Ratings
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