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Prepared for:

Date:

Three-step retirement income review

Step 1: Plan for four key risks when investing; think L.I.V.E. your way
Step 2: Identify your “M.U.S.T.-haves” (expenses in retirement)
Step 3: Determine guaranteed income needed in retirement

Step 1
Step 2
Step 3

2. Identify your “M.U.S.T.-haves” (expenses in retirement)

Calculate monthly M.U.S.T.-have expenses:

Mortgage/rent/real estate taxes

Medical/Medicare

Utilities (gas, water, electric, cable)

Shopping (food, pharmacy, personal)

Transportation (car payment, insurance, gas, maintenance)

Other (things that you do regularly such as hobbies, vacations, working out, golf, etc.)

Total monthly M.U.S.T.-have expenses

Multiplied by 12 for total estimated annual expenses

(Yearly income need)

Guaranteed monthly income:

Social Security

Pension

Other guaranteed income

Total monthly income

Multiplied by 12 for total estimated annual income
(Yearly income)

Do you have a yearly M.U.S.T.-have income gap?

Total estimated annual expenses (Yearly income need)

Total estimated annual income (Yearly income)

Yearly income gap

Total estimated annual expenses (Yearly income need)

Total estimated annual income (Yearly income)

Yearly income gap

If you have a yearly income gap, consider an annuity as a “pension alternative” to cover it.

Fixed Index Annuities can help fill your income gap with guaranteed lifetime income.

Enjoy guaranteed income growth potential over time with a fixed index annuity created for those who are a few years away from retirement and looking to maximize their future payouts.

Secure steady income right away with maximum guaranteed income potential with a fixed index annuity intended for those planning to retire in the near term.

• Lifetime income for you and your spouse that can increase—but not decrease.

3. Determine guaranteed income needed in retirement

Calculate what you’ll need to cover your yearly M.U.S.T.-have income gap in retirement. Here’s how much to consider investing if you:

See what it takes to close your income gap

1. Non-guaranteed income (withdrawals from investment, savings, or retirement accounts)

Yearly income gap

Safe Withdrawal Rate: typical industry recommendation 3.00% or 4.00%)

Amount needed to fund yearly NON-GUARANTEED income

Yearly income gap

Safe Withdrawal Rate: typical industry recommendation 3.00% or 4.00%)

Amount needed to fund yearly NON-GUARANTEED income

2. Guaranteed lifetime income from an annuity—pension alternative

Yearly income gap

Guaranteed Withdrawal Rate (ex. 5.00%)

Amount needed to fund yearly GUARANTEED income

Yearly income gap

Guaranteed Withdrawal Rate (ex. 5.00%)

Amount needed to fund yearly GUARANTEED income

When do you want to start guaranteed lifetime income?

(If you have more years until retirement, you can invest less.)

What market return would be needed to meet Non-Guaranteed Income

( $

Amount needed to fund yearly GUARANTEED lifetime income

÷ $

Amount needed to fund yearly GUARANTEED lifetime income

)^1/

)^1/ =

Annual market return necessary to meet Non-Guaranteed income amount

Amount needed to fund yearly NON-GUARANTEED income

Amount needed to fund yearly GUARANTEED lifetime income

Annual market return necessary to meet Non-Guaranteed income amount

* Includes an upfront bonus.

Take the next step

Discover how much retirement income your savings can create.

This communication is for informational purposes only, and you should not rely on this as a full assessment of your needs. It is not intended to provide, and should not be interpreted as, individualized investment, legal, or tax advice. To obtain such advice, please consult with the appropriate professional.

Delaware Life Insurance Company (Zionsville, IN) is authorized to transact business in all states (except New York), the District of Columbia, Puerto Rico, and the U.S. Virgin Islands. Annuities are issued by Delaware Life Insurance Company.

Guarantees are backed by the financial strength and claims-paying ability of Delaware Life Insurance Company (Zionsville, IN).

All optional riders are available for additional fees. Products, riders, and features may vary by state and may not be available in all states.

NOT FDIC INSURED | MAY LOSE VALUE | NO BANK OR CREDIT UNION GUARANTEE

NOT A DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY OR NCUA/NCUSIF

2026060041 EXP 06/28

Save as PDF or Print

Three-step retirement income review

1. Plan for four key risks when investing; think L.I.V.E. your way

2. Identify your “M.U.S.T.-haves” (expenses in retirement)

Guaranteed monthly income:

Do you have a yearly M.U.S.T.-have income gap?

If you have a yearly income gap, consider an annuity as a “pension alternative” to cover it.

3. Determine guaranteed income needed in retirement

See what it takes to close your income gap

1. Non-guaranteed income (withdrawals from investment, savings, or retirement accounts)

2. Guaranteed lifetime income from an annuity—pension alternative

When do you want to start guaranteed lifetime income?

What market return would be needed to meet Non-Guaranteed Income

( $

÷ $

)1/ =

÷

=

Take the next step

NOT FDIC INSURED | MAY LOSE VALUE | NO BANK OR CREDIT UNION GUARANTEE

NOT A DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY OR NCUA/NCUSIF

)^1/ =