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Fixed Indexed Annuity

TrackGuard+

Delaware Life

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5.75%

Best S&P 500 Annual Cap

7%

Free W/D

43

Available states

Product data status: July 30, 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 TrackGuard+ 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 30, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$279,717
Est. value at age 80 (TrackGuard+)
21%
Premium bonus offered
S&P 500 Index — 7.9% Cap (Enhanced (with Fee) · Annual · 1.25% fee)
✦
How crediting works: the cap limits positive index returns; a down index year credits 0% before the annual strategy fee; fees can reduce account value. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies TrackGuard+'s published cap rate (7.9% 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. Net growth deducts the 1.25% annual strategy fee listed for this strategy. Growth starts from a bonus-adjusted illustrative account value: $100,000 premium + $21,000 premium bonus (21%) = $121,000. Bonus vesting and withdrawal treatment follow the contract. Not a projection, quote, or guarantee. Live CANNEX rates as of July 30, 2026.

Free Comparison Report

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See how TrackGuard+ 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 TrackGuard+

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

Live Product Data

Delaware Life — sourced from AdvisorWorld

AM Best

A-

Free Withdrawal

7%/yr

Availability

43 states (restricted footprint)

Surrender period

10 years

Current Carrier Ratings

AM Best
A-
S&P
A-

Product Details

AM Best RatingA- — Excellent
Free Withdrawal7% / year
State Availability 43 states (restricted footprint)
Surrender period10 years
Premium Range$25,000 — $2,000,000

Contract flexibility notes

Surrender waivers

  • + Nursing home waiver
  • + Terminal illness waiver
  • + Surrender waivers

Surrender Charge Schedule

Yr 1

8%

Yr 2

7.6%

Yr 3

7%

Yr 4

6.4%

Yr 5

5.7%

Yr 6

4.9%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After Yr 10

0%

Free Comparison Report

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See how TrackGuard+ 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 (22 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 106% · 1-yr

Barclays Aries Index

Enhanced (with Fee) · participation

10-yr surrender$100,000+

Par: 80% · 1-yr

Barclays Aries Index

participation

10-yr surrender$100,000+

Par: 77% · 1-yr

Nasdaq-100 Volatility Control 12% Index

Enhanced (with Fee) · participation

10-yr surrender$100,000+

Par: 67% · 1-yr

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

Enhanced (with Fee) · participation

10-yr surrender$100,000+

Par: 61% · 1-yr

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

Enhanced (with Fee) · participation

10-yr surrender$100,000+

Par: 58% · 1-yr

Nasdaq-100 Volatility Control 12% Index

participation

10-yr surrender$100,000+

Par: 50% · 1-yr

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

participation

10-yr surrender$100,000+

Par: 45% · 1-yr

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

participation

10-yr surrender$100,000+

Cap: 7.9% · 1-yr

S&P 500 Index

Enhanced (with Fee) · cap

10-yr surrender$100,000+

Cap: 5.75% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Fixed: 3.15% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 100% · 1-yr

Barclays Aries Index

Enhanced (with Fee) · participation

10-yr surrenderUp to $99,999.99

Par: 73% · 1-yr

Barclays Aries Index

participation

10-yr surrenderUp to $99,999.99

Par: 72% · 1-yr

Nasdaq-100 Volatility Control 12% Index

Enhanced (with Fee) · participation

10-yr surrenderUp to $99,999.99

Par: 62% · 1-yr

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

Enhanced (with Fee) · participation

10-yr surrenderUp to $99,999.99

Par: 56% · 1-yr

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

Enhanced (with Fee) · participation

10-yr surrenderUp to $99,999.99

Par: 53% · 1-yr

Nasdaq-100 Volatility Control 12% Index

participation

10-yr surrenderUp to $99,999.99

Par: 45% · 1-yr

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

participation

10-yr surrenderUp to $99,999.99

Par: 40% · 1-yr

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

participation

10-yr surrenderUp to $99,999.99

Cap: 6.7% · 1-yr

S&P 500 Index

Enhanced (with Fee) · cap

10-yr surrenderUp to $99,999.99

Cap: 4.65% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Fixed: 2.9% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $99,999.99

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.

Common questions about TrackGuard+

● Can I lose money in TrackGuard+?

A negative index return by itself does not reduce the contract's account value: TrackGuard+ credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 7% 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 7% 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 TrackGuard+'s crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available TrackGuard+ 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

7%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

2

Nursing home waiver, Terminal illness waiver

Premium bonus

21%

Bonus terms can vary by state, premium band, and rider election.

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.

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

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

8%

Yr 2

7.6%

Yr 3

7%

Yr 4

6.4%

Yr 5

5.7%

Yr 6

4.9%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

Carrier documents not available for this product

Brochures, product guides, or contract disclosures are currently unavailable for this product. Request the state-specific brochure or specimen contract from the carrier before purchase.

Carrier Ratings

AM BestA-
S&PA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

TrackGuard+ currently shows 22 indexed or fixed crediting options, including S&P 500 Index, with 16 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 5.75% annual cap
  • S&P 500 Index: 7.9% annual cap, Fee-bearing option, 1.25% annual strategy fee
  • S&P 500 Index: 4.65% annual cap
  • S&P 500 Index: 6.7% annual cap, Fee-bearing option, 1.25% 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.

  • 7%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

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

This page uses the current structured product information for the contract. 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

Get a TrackGuard+ rate report

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

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