Fixed indexed annuity · accumulation
TrackGuard+
A Delaware Life accumulation FIA with a no-fee S&P 500 annual cap, optional fee-bearing Enhanced strategies, and a long surrender schedule with an MVA.
Surrender period
10 years
Free withdrawal
7.00%
per year
Premium bonus
Not published
subject to vesting
Minimum premium
$25,000
Available jurisdictions
43 of 51
Issue ages
18–78 (annuitant and owner)
Product opened
Jul 27, 2026
Lifetime income rider
None
Base rates vs. Enhanced strategy
The base contract is the comparison tier. The Enhanced strategy rate stays beside it with its 1.25% annual fee.
| Strategy | Base | Enhanced strategy | Annual fee | Break-even |
|---|---|---|---|---|
| Fixed account · annual fixed | 3.15% | Not published | Not published | No enhanced counterpart |
| S&P 500 Dynamic Intraday TCA Index (USD) ER · annual participation | 50.00% | 67.00% | 1.25% | Index gain ≥ 7.35% |
| Nasdaq-100 Volatility Control 12% Index · annual participation | 58.00% | 77.00% | 1.25% | Index gain ≥ 6.58% |
| BlackRock U.S. Equity Bitcoin Balanced Risk 12% Index · annual participation | 45.00% | 61.00% | 1.25% | Index gain ≥ 7.81% |
| Barclays Aries Index · annual participation | 80.00% | 106.00% | 1.25% | Index gain ≥ 4.81% |
| S&P 500 Index · annual cap | 6.00% | 7.90% | 1.25% | Index gain > 7.25% |
11 current options in the selected scenario are shown as 6 comparable lines; the source also carries 11 distinct rows for other premium or state bands. Exact duplicate source rows are counted once. Caps, participation rates, triggers, and fixed rates are different crediting mechanics and are not ranked on one rate axis. Break-even deducts the fee published for that Enhanced strategy allocation once per year. A cap enhancement begins to outperform only after the index gain exceeds the base cap plus the term fee, and only when the enhanced cap is above that threshold. Participation break-even = fee × term ÷ participation-rate lift.
Test the enhanced strategy trade-off
Change the index result to see the gross base credit and enhanced strategy credit after its published annual fee.
Illustrative only. Index crediting cannot be known in advance; contract mechanics, timing, withdrawals, and fee assessment can change actual results.
Premium bonus vesting
The full schedule is shown; a Not published published bonus does not mean the entire bonus is immediately vested.
Not published
Vesting schedule not published. The bonus can vary by state. Only the vested portion is available on surrender; confirm recapture, withdrawal, and state-approved terms before treating the full bonus as accessible value.
Getting money out
Surrender charges and contract-level liquidity provisions.
Scroll horizontally to see every contract year.
Contract facts
Versioned contract data; absent facts are stated as not published.
Issue ages
18–78 (annuitant and owner)
Joint contract
Available
Annuitization
Joint life · Single life
Maximum age 100
Systematic withdrawals
Available
Bailout provision
Not available
Free-look period
Available; length not published
Return of premium in base contract
Applies
Enhanced Return of Premium is published separately below.
Market value adjustment
Applies
Enhanced strategy fee
1.25% of the Enhanced strategy allocation each year
Applies only to each fee-bearing Enhanced strategy allocation; base strategies have no published strategy fee.
Surrender waivers
Nursing home waiver · Terminal illness waiver
Income riders
Lifetime-income options are kept separate from accumulation features.
Lifetime income rider
None
Other contract provisions and death benefit
Published built-in and elective provisions are shown without assuming every item is optional.
ROP (Return of PREMIUM)
Enhanced Return of Premium
Fee not published
Liquidity Rider
Enhanced Liquidity Rider
0.95% annual fee · current
Standard death benefit
Cash surrender value
The beneficiary receives the cash surrender value, which can differ from account value.
Renewal minimums
Minimum terms the carrier can use at renewal, not current marketed crediting rates. Strategy fees, rider fees, withdrawals, surrender charges, and an MVA can still reduce value.
Cap-rate renewal minimum
0.25%
Minimum guaranteed cap for cap-based indexed strategies.
Fixed account guarantee
1.00%
Guaranteed minimum interest rate for the fixed account.
Participation-rate renewal minimum
10.00%
Minimum guaranteed participation rate for participation-rate indexed strategies.
Product profile
What stands out, and what deserves a second look.
What stands out
- The selected contract publishes a premium bonus alongside a fixed account and annual index-linked strategies; the bonus can vary by state.
- Its index menu includes the S&P 500 plus S&P, Nasdaq, BlackRock, and Barclays volatility-controlled strategies.
- Base strategies sit beside fee-bearing Enhanced versions, making the trade-off between the published crediting term and strategy fee visible.
- Enhanced return-of-premium and Enhanced Liquidity rider options are published; the liquidity rider carries a separate annual fee, alongside nursing-home and terminal-illness surrender waivers.
Watch-outs
- This is an accumulation contract, not a lifetime-income product; the current feed publishes no guaranteed-lifetime-withdrawal rider.
- The selected surrender schedule runs for ten years, a market value adjustment applies, and the penalty-free withdrawal allowance covers only part of the contract value.
- Enhanced crediting strategies carry an annual strategy fee, while the enhanced-liquidity rider has its own published fee. Compare each election on a net-of-fee basis.
- The full bonus is not immediately accessible: the feed publishes gradual vesting through the surrender period, so unvested bonus value can be recaptured on an early exit.
State availability
Availability is shown jurisdiction by jurisdiction.
Not published as available in CA, DC, IN, MD, MA, MT, NY, VT.
Availability can change and contract terms can vary by state. Confirm the current state-approved contract before purchase.
Carrier documents
Only documents whose carrier metadata and file identity match Delaware Life are shown.
No carrier-matched documents are currently published.