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Withdrawals exceeding the annual free-withdrawal limit, or a full surrender during the guarantee period, are subject to surrender charges and may also incur an MVA (state variations apply). Charges decline by year and reach 0% at the end of the surrender-charge period. Amounts withdrawn during the 30-day window at the end of a guarantee period are not subject to surrender charges or MVA. The MVA does not apply to annual penalty-free withdrawals, death benefit payments, or qualifying terminal illness or nursing home waiver withdrawals.

None. No annual maintenance or policy fees apply.

If the owner dies before annuitization, beneficiaries receive the full contract value as a lump sum, unaffected by surrender charges or MVA. Once annuitized, any remaining payments follow the chosen settlement option.

 After a period of one year, you may withdraw money from your annuity, without a surrender charge, to pay for an eligible nursing home. Contract must be purchased prior to owner’s attained age of 76 for the nursing home waiver. (Subject to state availability; contract criteria apply.)  

 You may withdraw money from your annuity, without a surrender charge, to pay for hospice care (subject to criteria and state availability).

In the first contract year, owners may withdraw up to 5% of total premium paid, or required minimum distribution (RMD), if greater. In the second contract year and thereafter, owners may withdraw up to 10% of the most recent contract anniversary value, or RMD, if greater, without surrender charges or any applicable MVA.

. TruSelect MYGA supports Nonqualified, IRA, SEP-IRA (rollover/transfers), and Roth IRA funding.

TruSelect MYGA is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the entire duration of the selected guarantee period. The owner makes a one-time premium payment and selects a 3-, 5-, or 7-year term, during which interest grows tax-deferred. The policy includes a free-withdrawal feature beginning in the first contract year, and withdrawals above the free amount may be subject to surrender charges and a Market Value Adjustment (MVA), where applicable. At the end of the guarantee period, a 30-day window provides flexibility for renewal, surrender, or transition to another available term without surrender charges or MVA.

At the end of the guarantee period, a 30-day renewal window allows the owner to renew the contract for the same term, select a different available term, surrender the contract, take a partial penalty-free withdrawal and renew the balance, or elect an annuity payout option. If no action is taken, the contract automatically renews for the same term at the declared renewal rate.

The surrender value equals the account value adjusted for any applicable surrender charges and MVA (where applicable), but not less than the minimum value required by your state.

 MYGA is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by Delaware Life Insurance Company that provides fixed, tax-deferred interest growth and principal protection across 3-, 5-, and 7-year guarantee periods. It delivers predictable, contractually guaranteed rates insulated from market volatility, making it a strong fit for conservative savers seeking steady accumulation. With free-withdrawal access available each year (including year 1) and optional no-cost waivers for qualifying events (where approved), TruSelect MYGA supports long-term retirement planning with security, simplicity, and flexible access.

Withdrawals exceeding the annual free-withdrawal amount, or a full surrender during the guarantee period, are subject to surrender charges and may also incur a Market Value Adjustment (MVA). Charges decline annually until reaching 0% at the end of the guarantee period. All funds become fully penalty-free during the 30-day window at the end of the term. California applies a separate surrender-charge schedule.

Withdrawals exceeding the 10% annual free-withdrawal limit, or a full surrender during the guarantee period, are subject to surrender charges and may also incur an MVA. Charges decline each year until reaching 0% at the end of the term. All funds become fully penalty-free at the end of the guarantee period or during the 30-day renewal window. California uses a separate surrender-charge schedule.

No separate additional riders are listed. Pinnacle Plus includes nursing home and terminal illness withdrawal benefits as built-in, no-additional-cost features rather than standalone optional riders.

None. There are no annual maintenance fees or policy charges.

If the owner dies prior to annuitization, beneficiaries receive the greater of the account value or surrender value, with surrender charges and MVA waived.

 After one contract year, surrender charges and MVA are waived for qualifying nursing home confinement. The contract must be issued prior to the owner’s attained age of 76. Subject to state availability.

After one contract year, surrender charges and MVA are waived for qualifying terminal illness or hospice care. Subject to state availability.

In Year 1, only Required Minimum Distributions (RMDs) may be taken penalty-free. Beginning in Year 2, owners may withdraw up to 10% of the most recent contract anniversary value or the RMD, if greater, without surrender charges or MVA. Withdrawals may be taken as single or systematic distributions.

 funds. Pinnacle Plus℠ MYGA accepts Non-Qualified assets and Qualified IRA funds.

Pinnacle Plus℠ MYGA is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the entire duration of the selected guarantee period. The contract owner makes a one-time premium payment and selects a 3-, 5-, or 7-year term, during which interest grows on a tax-deferred basis. Beginning in the second contract year, the policy allows annual penalty-free withdrawals of up to 10% of the most recent contract anniversary value, or the Required Minimum Distribution (RMD), if greater. Withdrawals exceeding the free amount may be subject to surrender charges and a Market Value Adjustment (MVA). At the end of the guarantee period, a 30-day window allows the owner to renew, surrender, or reposition contract values without surrender charges or MVA.

At the end of the guarantee period, the contract enters a 30-day renewal window during which the owner may renew for the same term at the declared renewal rate, surrender the policy without surrender charges or MVA, select a different available guarantee period, apply the contract value to an annuitization option, or take a partial penalty-free withdrawal and renew the remaining value. If no election is made, the contract automatically renews for the same term at the then-current renewal rate.

The surrender value equals the account value minus any applicable surrender charges and MVA, but will never be less than the minimum value required under applicable state nonforfeiture laws.

MYGA is a single-premium Multi-Year Guaranteed Annuity issued by Delaware Life Insurance Company that provides fixed, tax-deferred interest growth and full principal protection across 3-, 5-, and 7-year guarantee periods. Designed for long-term retirement accumulation, Pinnacle Plus℠ delivers predictable, contractually guaranteed interest rates insulated from market volatility. With simple contract mechanics, no annual policy fees, and penalty-free access beginning in year two, the product is well-suited for conservative savers seeking stability, tax efficiency, and dependable growth.

Withdrawals exceeding the 10% annual free-withdrawal limit, or a full surrender during the guarantee period, are subject to surrender charges and may also incur a Market Value Adjustment (MVA). The MVA applies to withdrawals and surrenders greater than the free withdrawal amount, is linked to the Moody’s Bond Indices (corporate average rate), and is not applicable to annual penalty-free withdrawals, death benefit payments, waiver withdrawals, or amounts withdrawn during the 30-day window at the end of the guarantee period (state variations apply; California includes caps and floors). All funds become fully penalty-free at the end of the guarantee period or during the renewal window. 

• Nursing Home Waiver (no-cost benefit; where approved)

• Terminal Illness Waiver (no-cost benefit; where approved) 

None. No annual maintenance or policy fees.

If the owner dies before annuitization, beneficiaries receive the greater of the account value or the surrender value. The MVA is waived at death. Once annuitized, remaining payments follow the elected settlement option.

 After a period of one year, the owner may withdraw money without a surrender charge to pay for an eligible nursing home. Contract must be purchased prior to the owner’s attained age of 76 for this waiver.

 After a period of one year, the owner may withdraw money without a surrender charge to pay for hospice care (terminal illness provisions apply; must meet criteria and is subject to state availability).

In the first contract year, owners may withdraw up to 10% of total premiums paid, or the required minimum distribution (RMD) amount if greater, without surrender charges or MVA. In the second contract year and thereafter, owners may withdraw up to 10% of the most recent contract anniversary value, or the RMD if greater. Systematic withdrawals are permitted annually, semiannually, quarterly, or monthly, subject to a $100 minimum withdrawal amount and a $2,000 minimum remaining account value.

 Apex MYGA accepts Non-Qualified and qualified IRA funding types, including SEP-IRA (rollover/transfers) and Roth IRA. 

Apex MYGA is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the entire duration of each selected guarantee period. The owner makes a one-time premium payment and selects a 3-, 5-, or 7-year term (and may allocate premium to more than one guarantee period, subject to minimum allocation requirements). Interest grows tax-deferred during the term. The contract provides annual penalty-free withdrawals, while withdrawals above the free-withdrawal amount may be subject to surrender charges and a Market Value Adjustment (MVA). At the end of each guarantee period, a 30-day renewal window provides flexibility to renew, make changes, or access funds without penalty.  

At the end of each guarantee period, Apex MYGA provides a 30-day renewal window during which the owner may renew, adjust guarantee period selections, or access funds according to the contract’s renewal provisions. If multiple guarantee periods were selected, each guarantee “bucket” renews when its individual term ends, allowing term-by-term renewal decisions over time.

The surrender value equals the account value minus any applicable surrender charges and any applicable MVA, but will not be less than the minimum value required by the owner’s state.

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) that provides fixed, tax-deferred interest growth and full principal protection across 3-, 5-, and 7-year guarantee periods. It offers predictable, contractually guaranteed rates insulated from market volatility, with the flexibility to allocate the premium across multiple guarantee periods within a single contract. This built-in laddering capability allows clients to combine short- and intermediate-term guarantees to manage reinvestment timing and enhance liquidity options.

Apex MYGA is designed for conservative savers seeking stable accumulation, tax deferral, penalty-free access each year, and optional conversion to guaranteed income. With straightforward mechanics, guaranteed growth, and protective features, it supports long-term retirement planning with clarity and reliability.

Delaware Life – TruSelect MYGA

Delaware Life – Pinnacle Plus MYGA

Delaware Life – Apex MYGA