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Withdrawals above the annual free-withdrawal limit, or a full surrender during the guarantee period, may incur surrender charges and an MVA. Surrender charges decline annually until they reach 0% at the end of the term. All funds become fully penalty-free at the end of the guarantee period or during the renewal window. Some states (such as California) may use different surrender-charge structures or may not permit the MVA feature.

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.

 Allows penalty-free access if the owner becomes confined to a qualified nursing facility for a carrier-defined period (state availability varies).

 Provides access to the full account value upon a qualifying diagnosis (state availability varies).

• Year 1: Up to 5% of total premiums paid, or required minimum distribution (RMD), if greater.

• Years 2+: Up to 10% of the prior anniversary contract value, or RMD, if greater.

Multiple withdrawals may be taken within the annual free amount, and penalty-free withdrawals reduce the remaining contract value proportionately.

 funds. Accepts Non-Qualified assets, Traditional IRAs, Roth IRAs, SEP IRAs, and Inherited IRAs, subject to IRS and carrier rules.

TruSelect MYGA earns a guaranteed fixed interest rate for the selected guarantee period (3, 5, or 7 years). Interest is credited daily and compounded annually. The annuity includes free annual withdrawals, optional waiver benefits, and a guaranteed minimum surrender value. Surrender charges apply for withdrawals above free-withdrawal amounts during the rate-guarantee term.

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.

Equal to the account value minus applicable surrender charges and any MVA, but never less than the minimum nonforfeiture amount required under Standard Nonforfeiture Law.

 is a fixed multi-year guaranteed annuity designed for consumers seeking stable, predictable accumulation without market risk. The product provides guaranteed interest rate periods, tax-deferred growth, and flexible withdrawal provisions, along with nursing home and terminal illness waivers (state-dependent). Available in 3-, 5-, and 7-year guarantee periods, TruSelect allows allocations across multiple rate periods at issue and is backed by the financial strength of Delaware Life Insurance Company.

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. No annual maintenance or policy fees.

If the owner dies before annuitization, beneficiaries receive the greater of the account value or surrender value.

• Nursing Home Waiver (after one year; contract must be purchased before age 76)

After the first contract year, owners may withdraw up to 10% of the contract value based on the prior anniversary without surrender charges or MVA. RMDs are available penalty-free even in the first contract year. Systematic withdrawals are permitted with a $100 minimum.

Available for both qualified and non-qualified funds. Pinnacle Plus accepts Non-Qualified assets, Traditional IRAs, Roth IRAs, and SEP IRAs.

Pinnacle Plus 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. After the first contract year, the policy allows annual penalty-free withdrawals up to 10% of the contract value, while withdrawals above this amount may be subject to surrender charges and a Market Value Adjustment (MVA). At the end of each guarantee period, a 30-day window provides flexibility for renewal, surrender, or transition to another term without penalty.

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

The surrender value equals the account value minus any applicable surrender charges and MVA, but not less than the state nonforfeiture minimum.

SM MYGA is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by Delaware Life Insurance Company that provides fixed, tax-deferred interest growth and full principal protection across 3-, 5-, 7-, and 10-year guarantee periods. It delivers predictable, contractually guaranteed rates insulated from market volatility, making it ideal for conservative savers seeking stable accumulation. With penalty-free access beginning in year two and straightforward contract mechanics, Pinnacle Plus supports long-term financial planning with security, simplicity, and consistent growth.

Withdrawals exceeding the annual 10% free-withdrawal amount, or a full surrender during a 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.

If the owner dies before annuitization, beneficiaries receive the greater of the account value or surrender value, free of surrender charges and MVA.

 After one year, waives surrender charges for qualifying confinement. (Must be purchased before the owner’s age 76.)

 After one year, waives surrender charges for qualifying terminal illness or hospice care.

• Year 1: Up to 10% of total premiums paid, or RMD if greater

• Years 2+: Up to 10% of the prior anniversary value, or RMD if greater

Systematic withdrawals allowed monthly, quarterly, semiannually, or annually (minimum $100 per withdrawal; minimum account value $2,000 must remain).

Apex MYGA is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the full duration of each selected guarantee period. The owner makes a one-time premium payment and selects one or more terms—3, 5, or 7 years—which each lock in a guaranteed fixed rate. All growth is tax-deferred until withdrawal. Withdrawals above the penalty-free limit may be subject to surrender charges and a Market Value Adjustment (MVA). At the end of each guarantee term, a 30-day window allows renewal, withdrawal, or reallocating to a different term without penalty.

At the end of each guarantee period, Apex MYGA enters a 30-day renewal window during which the owner may:

• Renew for the same term at the declared renewal rate

• Apply the value to a settlement option

• Take a partial penalty-free withdrawal and renew the remainder

If no election is made, the contract automatically renews into the same term at the current renewal rate.

Equals the account value minus any applicable surrender charges and MVA, but not less than the required minimum nonforfeiture benefit.

 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 (3-, 5-, 7-Year Terms)

Delaware Life – Pinnacle Plus MYGA (3-, 5-, 7-Year Terms)

Delaware Life – Apex MYGA (3-, 5-, 7-Year Terms)