Fixed Indexed Annuity

Retirement Stages Select

Delaware Life

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10.65%

Best S&P 500 Annual Cap

10%

Free W/D

Jurisdictions

Product data status: July 13, 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, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer

Illustrative — live CANNEX rates as of July 13, 2026; not a projection or guarantee.

Premium$100,000

Your age60

Surrender term

Crediting strategy

Compare against

$313,896

Est. value at age 80 (Retirement Stages Select)

10.65%

Best S&P 500 1-yr point-to-point cap

S&P 500 Index — 10.65% 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 (10.65% 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 July 13, 2026.

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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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Live rate data

Run live numbers for Retirement Stages Select

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

Live product data

Rates as of July 13, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

10.65% 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

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

Index / strategyRate mechanicsCreditingSurrenderPremium

S&P 500

S&P 500 Index

8.9% cap rate

Annual cap

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

Rate varies by premium band.

1-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

9.15% cap rate

Annual cap

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

Rate varies by premium band.

1-year term

7-year surrender

$100,000+

S&P 500

S&P 500 Index

With Precision Portfolio

10.4% cap rate

Annual point-to-point

Selected state rate set (TX)

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

10.65% cap rate

Annual point-to-point

Selected state rate set (TX)

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

7% trigger rate

Performance trigger

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

Rate varies by premium band.

1-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

7.1% trigger rate

Performance trigger

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

Rate varies by premium band.

1-year term

7-year surrender

$100,000+

S&P 500

S&P 500 Index

45% participation rate

Participation

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

Rate varies by premium band.

1-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

48% participation rate

Participation

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

Rate varies by premium band.

1-year term

7-year surrender

$100,000+

Fixed Account

4.6% declared rate

Fixed account

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

Rate varies by premium band.

1-year term

5-year surrender

$100,000+

Fixed Account

4.65% declared rate

Fixed account

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

Rate varies by premium band.

1-year term

7-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

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 filing 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

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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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All crediting strategies

View rate listings (41 rows)

These are the current crediting strategy listings returned for this product. 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 · participation

5-yr surrender$100,000+

Par: 100% · 1-yr

Goldman Sachs Canopy Index

participation

5-yr surrender$100,000+

Par: 85% · 1-yr

First Trust Capital Strength Barclays 10% Index

Participation Rate & Volatility Limit · participation

5-yr surrender$100,000+

Par: 65% · 1-yr

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

participation

5-yr surrender$100,000+

Par: 65% · 1-yr

Nasdaq-100 Intraday Elite 15% Index

participation

5-yr surrender$100,000+

Par: 60% · 1-yr

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

participation

5-yr surrender$100,000+

Par: 45% · 1-yr

S&P 500 Index

participation

5-yr surrender$100,000+

Cap: 8.9% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Trigger: 7% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Fixed: 4.6% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 140% · 1-yr

Franklin SG Select Index

Participation Rate, Boost & Knockout · participation