TruePath Income
Delaware Life
5%
Best Cap
10%
Free W/D
50
States
TruePath Income is a fixed index annuity that protects your retirement savings from market downturns while allowing tax-deferred growth tied to market indexes. It includes a guaranteed lifetime income rider that ensures you receive income for life, regardless of market performance or account value.
Free Withdrawal
10%/yr
Available In
50 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 | -- | 40% | -- |
| First Trust Capital Strength Barclays 10% Index | Annual | -- | 57% | -- |
| Franklin SG Select Index | Annual | -- | 122% | -- |
| Goldman Sachs Canopy Index | Annual | -- | 75% | -- |
| Nasdaq-100 Intraday Elite 15% Index | Annual | -- | 38% | -- |
| S&P 500 Dynamic Intraday TCA Index (USD) ER | Annual | -- | 40% | -- |
| S&P 500 Index | Annual | 5% | 100% | -- |
| Fixed Account | Daily | -- | -- | 2.85% |
Key Features
Guaranteed Lifetime Withdrawal Benefit (GLWB)
1.20% annual fee (maximum 2.50%)Ensures you receive income payments for life, even if your account value reaches zero, based on a withdrawal benefit base that grows through bonuses and annual roll-up credits.
Ready Strategy
25% upfront + 6.75% annual roll-upFor those who need income sooner—provides a 25% upfront bonus plus 6.75% annual roll-up for 10 years or until income starts.
Build Strategy
9.75% annual roll-upFor those who can wait—provides a higher 9.75% annual roll-up bonus for 10 years or until income starts, with no upfront bonus.
Level Income Option
Higher guaranteed percentageYour annual withdrawal amount stays the same year to year, offering predictability and higher withdrawal percentages.
Rising Income Option
100% performance multiplierYour annual withdrawal amount may increase each year based on index and fixed account performance, with growth potential over time.
Market Downside Protection
0% loss floorIf your chosen index falls, you don't suffer losses—previous earnings are locked in and protected.
Index Strategy Options
S&P 500, Nasdaq-100, Goldman Sachs Canopy, Franklin SG Select, First Trust Barclays, BlackRock Bitcoin, plus fixed rateChoose from 7 different indexes or 2 pre-built Precision Portfolios that combine multiple indexes for diversification.
Chronic Illness Income Multiplier
200% withdrawal increase, no additional costIf you become unable to perform 2 of 6 Activities of Daily Living, your withdrawals double for up to 5 years.
Free Withdrawal Amount
10% annually or RMDYou can withdraw the greater of 10% of premiums or RMD in year 1, and 10% of last anniversary value or RMD thereafter, without penalties.
Nursing Home & Terminal Illness Waiver
Surrender charges waived after 1 yearAfter 1 year, withdraw without surrender charges for nursing home or hospice care if purchased before age 76 (nursing home) or age 70 (terminal illness).
Highlights
Guaranteed lifetime income that continues even if your account value drops to zero
Market downside protection—earn index gains without losing money in down markets
Tax-deferred growth with flexibility to choose income timing and distribution strategy
Built-in chronic illness benefit doubles withdrawals for up to 5 years at no extra cost
Multiple index options and pre-built diversified portfolios to match your risk tolerance
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, Terminal illness waiver
Best For
Retirees and near-retirees (ages 45-85) who want market growth potential with downside protection and guaranteed lifetime income, especially those concerned about outliving their savings.
Consider Alternatives If
Investors who need frequent access to their money without penalties, those seeking direct stock market participation, or individuals who may need emergency liquidity within the first 10 years.
Carrier Ratings
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