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Fixed Indexed Annuity

Retirement Stages Select — Delaware Life

Delaware Life

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11.15%

Best S&P 500 Annual Cap

10%

Free W/D

50

Available jurisdictions

Product data status: October 2, 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 Retirement Stages Select would do for you

Set your numbers and switch between growth strategies and liquidity scenarios. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.

Product analyzer
Illustrative — live CANNEX rates as of October 2, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$314,889
Est. value at age 80 (Retirement Stages Select)
11.15%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 11.15% Cap (With Precision Portfolio · 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 Retirement Stages Select's published cap rate (11.15% 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. Not a projection, quote, or guarantee. Live CANNEX rates as of October 2, 2026.

Free Comparison Report

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See how Retirement Stages Select 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 Retirement Stages Select

rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Delaware Life product.

Live product data

Rates as of October 2, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual cap rate

11.15% cap on S&P 500

A seven-year-surrender fixed indexed annuity from A-rated Delaware Life, built for index-linked accumulation across cap and participation strategies on the S&P 500 plus a mix of proprietary volatility-controlled benchmarks, with no income rider and no premium bonus.

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

Best fit

Buyers who want a mid-length seven-year deferral with index-linked accumulation, value a broad menu of proprietary volatility-controlled benchmarks alongside the S&P 500, and don't need a guaranteed lifetime-income rider built into the contract.

AM Best

A- Excellent

Surrender options

5 and 7 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.4% cap rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

1-year term · 5-year surrender · $100,000+

S&P 500

S&P 500 Index

9.65% cap rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

1-year term · 7-year surrender · $100,000+

S&P 500

S&P 500 Index

With Precision Portfolio

10.9% cap rate

Annual point-to-point

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

With Precision Portfolio

11.15% cap rate

Annual point-to-point

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

7.5% trigger rate

Rate effective Oct 1, 2026

Performance trigger

Requested state: TX

1-year term · 5-year surrender · $100,000+

S&P 500

S&P 500 Index

7.6% trigger rate

Rate effective Oct 1, 2026

Performance trigger

Requested state: TX

1-year term · 7-year surrender · $100,000+

S&P 500

S&P 500 Index

45% participation rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

1-year term · 5-year surrender · $100,000+

S&P 500

S&P 500 Index

48% participation rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

1-year term · 7-year surrender · $100,000+

Fixed Account

Fixed Account

4.6% declared rate

Rate effective Oct 1, 2026

Fixed account

Requested state: TX

1-year term · 5-year surrender · $100,000+

Fixed Account

Fixed Account

4.65% declared rate

Rate effective Oct 1, 2026

Fixed account

Requested state: TX

1-year term · 7-year surrender · $100,000+

+ 12 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

  • Seven-year surrender term gives buyers a mid-length deferral choice from Delaware Life — shorter than the carrier's ten-year accumulation filings without dropping into a true short-surrender product.
  • 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 spans the recognizable S&P 500 alongside several proprietary volatility-controlled options (Goldman Sachs Canopy, Franklin SG Select, First Trust Capital Strength Barclays, BlackRock U.S. Equity Bitcoin Balanced Risk, Nasdaq-100 Intraday Elite, S&P 500 Dynamic Intraday TCA), so the buyer can choose between like-for-like cap comparison and higher-participation alternatives.
  • Free-withdrawal allowance and the full seven-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.
  • 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 S&P 500 annual point-to-point cap on this contract sits in the high-single-digit range, lower than several competing seven-year accumulation FIAs in the public catalog. Compare the like-for-like cap before treating the proprietary-index participation rates as an offset.
  • Several of the listed indexes are proprietary volatility-controlled benchmarks. Participation rates on these strategies can look high in absolute terms but are not directly comparable to an uncontrolled S&P 500 cap, and caps and participation rates can reset down over the seven-year surrender term, with the buyer carrying that renewal risk for the full term.

Not ideal for

Buyers who need source-backed lifetime-income specifics directly from this page should not rely on this product page alone; use a carrier illustration or a CANNEX response that publishes rider mechanics.

Free Comparison Report

Get a Retirement Stages Select rate report

See how Retirement Stages Select 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 (42 strategies)

These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, state rate set, or rate type.

Par: 160% · 1-yr

Franklin SG Select Index

Participation Rate, Boost & Knockout · Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 160% · 1-yr

Franklin SG Select Index

Participation Rate, Boost & Knockout · Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 100% · 1-yr

Goldman Sachs Canopy Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 100% · 1-yr

Goldman Sachs Canopy Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 85% · 1-yr

First Trust Capital Strength Barclays 10% Index

Participation Rate & Volatility Limit · Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 85% · 1-yr

First Trust Capital Strength Barclays 10% Index

Participation Rate & Volatility Limit · Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 65% · 1-yr

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

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 65% · 1-yr

Nasdaq-100 Intraday Elite 15% Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 65% · 1-yr

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

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 65% · 1-yr

Nasdaq-100 Intraday Elite 15% Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 60% · 1-yr

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

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 60% · 1-yr

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

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 45% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 45% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 9.4% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Cap: 9.4% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Trigger: 7.5% · 1-yr

S&P 500 Index

Performance trigger · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Trigger: 7.5% · 1-yr

S&P 500 Index

Performance trigger

Requested state: TX5-yr surrender$100,000+

Fixed: 4.6% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Fixed: 4.6% · 1-yr

Fixed Account

Fixed account

Requested state: TX5-yr surrender$100,000+

Par: 170% · 1-yr

Franklin SG Select Index

Participation Rate, Boost & Knockout · Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 170% · 1-yr

Franklin SG Select Index

Participation Rate, Boost & Knockout · Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 105% · 1-yr

Goldman Sachs Canopy Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 105% · 1-yr

Goldman Sachs Canopy Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 90% · 1-yr

First Trust Capital Strength Barclays 10% Index

Participation Rate & Volatility Limit · Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 90% · 1-yr

First Trust Capital Strength Barclays 10% Index

Participation Rate & Volatility Limit · Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 70% · 1-yr

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

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 70% · 1-yr

Nasdaq-100 Intraday Elite 15% Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 70% · 1-yr

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

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 70% · 1-yr

Nasdaq-100 Intraday Elite 15% Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 65% · 1-yr

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

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 65% · 1-yr

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

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 48% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 48% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Cap: 9.65% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Cap: 9.65% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Trigger: 7.6% · 1-yr

S&P 500 Index

Performance trigger · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Trigger: 7.6% · 1-yr

S&P 500 Index

Performance trigger

Requested state: TX7-yr surrender$100,000+

Fixed: 4.65% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Fixed: 4.65% · 1-yr

Fixed Account

Fixed account

Requested state: TX7-yr surrender$100,000+

Cap: 10.9% · 1-yr

S&P 500 Index

With Precision Portfolio · Point-to-point

Selected state rate set (TX)$100,000+

Cap: 11.15% · 1-yr

S&P 500 Index

With Precision Portfolio · Point-to-point

Selected state rate set (TX)$100,000+

Accumulation profile

Accumulation-focused contract

The CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Linked review

Retirement Stages Select review notes

Discover Delaware Retirement Stages Select, a growth-focused fixed indexed annuity with principal protection and competitive rates.

3.5/5Read review
Nikhil Bhauwala

Common questions about Retirement Stages Select

● Can I lose money in Retirement Stages Select?

A negative index return by itself does not reduce the contract's account value: Retirement Stages Select credits 0% — the floor — for that indexed period. The account value can still decrease from withdrawals, surrender charges, 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 scheduled surrender charges run 7 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Retirement Stages Select's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available Retirement Stages Select 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

0.25%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

1.00%

Minimum guaranteed declared rate for declared-rate or performance-trigger 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

Joint life, Single life

Published payout options from the normalized contract facts.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

8%

Yr 2

7%

Yr 3

6%

Yr 4

5%

Yr 5

4%

Yr 6

3%

Yr 7

2%

After

0%

Nursing home waiver, Terminal illness waiver

Documents

product guide

Retirement_Stages_Select_Brochure.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

Retirement Stages Select currently shows 42 indexed or fixed crediting options, including S&P 500 Index, with 24 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 9.4% annual cap, 0% annual strategy fee
  • S&P 500 Index: 9.65% annual cap, 0% annual strategy fee
  • S&P 500 Index: 9.4% annual cap
  • S&P 500 Index: 10.9% annual point-to-point cap

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
  • 7 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 Retirement_Stages_Select_Brochure.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

Get a Retirement Stages Select rate report

See how Retirement Stages Select compares for your age, state, premium, and income goals alongside other Delaware Life fixed indexed annuity options.

Get my rate report

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