Pinnacle Plus MYGA
Delaware Life
4.95%
Best Rate
10%
Free W/D
50
States
Pinnacle Plus is a multi-year guaranteed fixed annuity that provides steady, predictable growth with your principal protected and taxes deferred. It's designed for people nearing or in retirement who want guaranteed income without stock market risk.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$25,000
Surrender
10 years
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 4.6% |
| 5-Year | 4.95% |
| 7-Year | 4.95% |
| 10-Year | 4.95% |
Key Features
Guaranteed Interest Rate
Fixed rate for 3, 5, 7, or 10 yearsYour interest rate is locked in for your chosen guarantee period and won't change regardless of market conditions
Principal Protection
100% guaranteedYour initial investment is fully protected from market loss
Tax-Deferred Growth
100% tax-deferredAll earnings grow without annual tax liability until you withdraw
Free Withdrawals
10% per year, penalty-freeStarting in year two, withdraw up to 10% of your account value annually without surrender charges
Flexible Payout Options
Multiple options availableChoose how to receive your money: systematic withdrawals, lump sum at end of term, or annuitize for lifetime income
Surrender Charge Exceptions
State-dependent; available with criteriaAccess your full account for qualifying needs (nursing home, terminal illness, required minimum distributions) without penalties
Minimum Investment
$25,000Starting point for both qualified and non-qualified accounts
Issue Age Range
Ages 18-85Product available for eligible applicants
Highlights
Guaranteed fixed interest rate locked in for your chosen period (3, 5, 7, or 10 years)
100% tax-deferred growth on earnings until you withdraw—potentially significant advantage over taxable investments
Principal protection with no stock market risk—your money is safe and guaranteed to grow
Access to your money through free annual withdrawals of up to 10% without surrender charges
Surrender Schedule
Yr 1
8%
Yr 2
7%
Yr 3
6%
Yr 4
5%
Yr 5
4%
Yr 6
3%
Yr 7
2%
Yr 8
1%
Yr 9
1%
Yr 10
0.5%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
People within 10 years of retirement or already retired who prioritize capital safety and guaranteed income over growth potential, and want to supplement their retirement savings with predictable, tax-deferred growth.
Consider Alternatives If
Individuals with a long time horizon who can weather market volatility and need maximum growth potential, or those who may need frequent access to their money—early withdrawals beyond the 10% free amount incur surrender charges.
Carrier Ratings
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