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Fixed Indexed Annuity

Target Growth 10 — Delaware Life

Delaware Life

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12%

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 Target Growth 10 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 (Target Growth 10)
12%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 12% 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 Target Growth 10's published cap rate (12% 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

Get a Target Growth 10 rate report

See how Target Growth 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 Target Growth 10

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

12% cap on S&P 500

A ten-year-surrender fixed indexed annuity from A-rated Delaware Life, built for index-linked accumulation across cap, participation, and fixed-trigger strategies on a mix of the S&P 500 and proprietary volatility-controlled benchmarks, with no income rider, no premium bonus, and 49-state availability.

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

Best fit

Buyers committed to a full ten-year deferral who want index-linked accumulation, value the ability to mix crediting designs (cap, participation, trigger) on the same S&P 500 exposure, and don't need a guaranteed lifetime-income rider built into the contract.

AM Best

A- Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

10.5% cap rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

With Precision Portfolio

12% cap rate

Annual point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

7.65% trigger rate

Rate effective Oct 1, 2026

Performance trigger

Requested state: TX

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

S&P 500

S&P 500 Index

52% participation rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

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

Fixed Account

Fixed Account

4.7% declared rate

Rate effective Oct 1, 2026

Fixed account

Requested state: TX

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

+ 6 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

  • Three crediting designs are offered on the S&P 500 alone — annual point-to-point cap, participation rate, and a fixed-rate trigger — so a buyer who wants S&P exposure can pick the mechanic that best fits their view of the index instead of being locked into a single style.
  • 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), giving the buyer a choice between like-for-like cap comparison and higher-participation alternatives.
  • Free-withdrawal allowance, the full ten-year surrender ladder, and the surrender-charge waivers (nursing home, RMD, terminal illness) are all 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 — and the only contract-level enhancements are surrender-charge waivers. Do not compare its payout side-by-side with a rider-led income FIA.
  • The ten-year surrender term sits at the long end of the FIA market, and the schedule does not drop into low single digits until late. Buyers who do not need a full ten-year deferral should compare a shorter-surrender FIA before locking in.
  • 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. Buyers prioritizing a legacy step-up should evaluate that separately.
  • 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 ten-year surrender term, with the buyer carrying that renewal risk for the full term. This contract is also not available in New York — Delaware Life's other FIA filings cover 50 states; this one covers 49.

Not ideal for

Buyers who need a contractually guaranteed GLWB-rider withdrawal rate, want a shorter surrender commitment, expect a premium bonus to offset a long surrender term, want a death-benefit roll-up beyond the standard contract value, or live in New York — this contract is not available there.

Free Comparison Report

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See how Target Growth 10 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 (21 strategies)

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

Par: 175% · 1-yr

Franklin SG Select Index

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

Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+

Par: 175% · 1-yr

Franklin SG Select Index

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

Requested state: TX10-yr surrender$100,000+

Par: 110% · 1-yr

Goldman Sachs Canopy Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+

Par: 110% · 1-yr

Goldman Sachs Canopy Index

Point-to-point

Requested state: TX10-yr surrender$100,000+

Par: 95% · 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, 202610-yr surrender$100,000+

Par: 95% · 1-yr

First Trust Capital Strength Barclays 10% Index

Participation Rate & Volatility Limit · Point-to-point

Requested state: TX10-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, 202610-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, 202610-yr surrender$100,000+

Par: 70% · 1-yr

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

Point-to-point

Requested state: TX10-yr surrender$100,000+

Par: 70% · 1-yr

Nasdaq-100 Intraday Elite 15% Index

Point-to-point

Requested state: TX10-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, 202610-yr surrender$100,000+

Par: 65% · 1-yr

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

Point-to-point

Requested state: TX10-yr surrender$100,000+

Par: 52% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+

Par: 52% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX10-yr surrender$100,000+

Cap: 10.5% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+

Cap: 10.5% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX10-yr surrender$100,000+

Trigger: 7.65% · 1-yr

S&P 500 Index

Performance trigger · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+

Trigger: 7.65% · 1-yr

S&P 500 Index

Performance trigger

Requested state: TX10-yr surrender$100,000+

Fixed: 4.7% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+

Fixed: 4.7% · 1-yr

Fixed Account

Fixed account

Requested state: TX10-yr surrender$100,000+

Cap: 12% · 1-yr

S&P 500 Index

With Precision Portfolio · Point-to-point

Requested state: TX$100,000+

Other contract riders and charges

GMAV

Published rider charge: Not shown. This charge is separate from strategy crediting rates. Confirm charge frequency and basis in the carrier contract.

GMAV

Published rider charge: Not shown. This charge is separate from strategy crediting rates. Confirm charge frequency and basis in the carrier contract.

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

Target Growth 10 review notes

Discover the Delaware Life Target Growth Fixed Indexed Annuity's features, rates, and benefits for secure retirement income growth.

5/5Read review
Nikhil Bhauwala

Common questions about Target Growth 10

● Can I lose money in Target Growth 10?

A negative index return by itself does not reduce the contract's account value: Target Growth 10 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 10 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 Target Growth 10's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available Target Growth 10 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

3

Nursing home waiver, RMD 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

10%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver

Documents

brochure

Target_Growth_10_Client_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

Target Growth 10 currently shows 21 indexed or fixed crediting options, including S&P 500 Index, with 12 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: 10.5% annual cap, 0% annual strategy fee
  • S&P 500 Index: 10.5% annual cap
  • S&P 500 Index: 12% annual point-to-point cap
  • S&P 500 Index: 7.65% annual trigger rate, 0% annual strategy fee

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
  • 10 surrender years
  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as Target_Growth_10_Client_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

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

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