Target Growth 10
Delaware Life
10.5%
Best Cap
10%
Free W/D
49
States
Target Growth 10® is a fixed index annuity designed to help you grow retirement savings with downside protection, earning interest based on market index performance while shielding you from losses. It's ideal for retirees and near-retirees who want growth potential with guaranteed safety.
Free Withdrawal
10%/yr
Available In
49 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 | -- | 65% | -- |
| First Trust Capital Strength Barclays 10% Index | Annual | -- | 85% | -- |
| Franklin SG Select Index | Annual | -- | 175% | -- |
| Goldman Sachs Canopy Index | Annual | -- | 110% | -- |
| Nasdaq-100 Intraday Elite 15% Index | Annual | -- | 70% | -- |
| S&P 500 Dynamic Intraday TCA Index (USD) ER | Annual | -- | 65% | -- |
| S&P 500 Index | Annual | 10.5% | 100% | -- |
| Fixed Account | Daily | -- | -- | 4.55% |
Key Features
Downside Protection
0% floor on returnsYou never lose your principal or credited interest, regardless of how the market performs
Index-Based Growth
Multiple index and crediting optionsEarn interest based on performance of S&P 500, Nasdaq-100, or other diversified indexes
No-Cost Features
Zero additional feesChoice of indexes, portfolio options, and the bailout provision—no extra charges
Flexible Withdrawals
10% annual free withdrawalTake up to 10% free annually, plus RMDs and special hardship waivers
Precision Portfolios
2 tailored optionsPre-built, diversified multi-index allocations (Core for stability, Edge for growth) chosen at contract start
Bailout Provision
Interest rate protectionFull or partial penalty-free withdrawal if renewal rates fall below your bailout cap rate
Tax-Deferred Growth
Tax-deferred compoundingYour account grows without annual tax drag until withdrawal
Surrender Charge Schedule
10-year non-rolling schedule10-year schedule with charges declining from 10% to 0%, or state-specific alternatives
Highlights
Protects your retirement savings from market downturns while letting you participate in market gains through index-based crediting
Multiple diversified index options and ready-made Precision Portfolios let you customize your growth strategy without paying extra fees
Flexible access to your money with free withdrawals up to 10% annually plus special waivers for nursing home care and terminal illness
Bailout provision gives you an escape hatch if interest rates drop too far, protecting you from renewal rate risk
Surrender Schedule
Yr 1
10%
Yr 2
10%
Yr 3
10%
Yr 4
10%
Yr 5
10%
Yr 6
9%
Yr 7
8%
Yr 8
7%
Yr 9
6%
Yr 10
5%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver
Best For
Retirees and near-retirees aged 18–80 with at least $25,000 to invest who want market-linked growth with guaranteed downside protection and tax-deferred compounding.
Consider Alternatives If
Investors who need immediate liquidity, those uncomfortable with 10-year commitment periods, or individuals seeking pure stock market returns without a safety floor.
Carrier Ratings
Free Comparison Report
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From the AdvisorWorld.com Community