Fixed Indexed Annuity

Target Growth 10

Delaware Life

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11%

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 Target Growth 10 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

Crediting strategy

Compare against

$314,889

Est. value at age 80 (Target Growth 10)

11%

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

S&P 500 Index — 11% 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 (11% 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 Target Growth 10 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 Target Growth 10

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

11% 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

49 jurisdictions (excl. Hawaii, New York)

Featured crediting strategies

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

Index / strategyRate mechanicsCreditingSurrenderPremium

S&P 500

S&P 500 Index

9.5% cap rate

Annual cap

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

Rate varies by premium band.

1-year term

10-year surrender

$100,000+

S&P 500

S&P 500 Index

With Precision Portfolio

11% cap rate

Annual point-to-point

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

7.15% trigger rate

Performance trigger

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

Rate varies by premium band.

1-year term

10-year surrender

$100,000+

S&P 500

S&P 500 Index

50% participation rate

Participation

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

Rate varies by premium band.

1-year term

10-year surrender

$100,000+

Fixed Account

4.7% declared rate

Fixed account

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

Rate varies by premium band.

1-year term

10-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

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 filing 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 filing is not available there.

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All crediting strategies

View rate listings (22 rows)

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

10-yr surrender$100,000+

Par: 110% · 1-yr

Goldman Sachs Canopy Index

participation

10-yr surrender$100,000+

Par: 95% · 1-yr

First Trust Capital Strength Barclays 10% Index

Participation Rate & Volatility Limit · participation

10-yr surrender$100,000+

Par: 70% · 1-yr

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

participation

10-yr surrender$100,000+

Par: 70% · 1-yr

Nasdaq-100 Intraday Elite 15% Index

participation

10-yr surrender$100,000+

Par: 65% · 1-yr

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

participation

10-yr surrender$100,000+

Par: 50% · 1-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Cap: 9.5% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Trigger: 7.15% · 1-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Fixed: 4.7% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Trigger: 6.15% · 1-yr

S&P 500 Index

trigger

10-yr surrenderUp to $99,999

Par: 155% · 1-yr

Franklin SG Select Index

Participation Rate, Boost & Knockout · participation