Growth Pathway® offers choice, growth, and assurance for retirement savings.
Fixed Index Annuity
Growth Pathway®
Quick Access
Growth Pathway®
Product Information
Growth Pathway® is built to capture upside growth opportunities while it protects from market downside.
Product Snapshot
Quick-reference summary of terms, surrender schedules, withdrawal rules, Guaranteed Minimum Account Value (GMAV) levels, and portfolio options.
Rate Sheet
Current fixed annuity rates for all available strategies, including cap rate, participation rate, and performance trigger options.
Product Brochure
An overview of how Growth Pathway® works—featuring investment scenarios, strategy explanations, and Precision Portfolio examples.
Power of Precision Brochure
This brochure breaks down the two Precision Portfolios—highlighting their diversified index blends, performance goals, and how each can align with different risk profiles.
Growth Pathway®
5- to 7-year retirement horizon
Included Guaranteed Minimum Account Value (GMAV) ensures the Account value will increase, no matter what the markets are doing
Built-in bailout provision helps protect against future renewal rate declines
Simplified diversification with a “check-the-box” allocation option for easy diversification and an enhanced GMAV
Strong index lineup from industry-leading investment managers
Growth Pathway®
Index and Crediting Strategies Information
Growth Pathway® allows you to allocate money in one or a combination of index strategies and crediting options.
Index Strategies
Clients can choose from a variety of market indices, including options from S&P, Invesco QQQ, Janus Henderson, Franklin SG, and First Trust.
Participation Rate
Breaks down how clients earn a percentage of the index’s positive return, with a simple chart to illustrate how interest is credited and how downside protection works.
Performance Trigger
Outlines how clients receive a guaranteed interest credit when the index return is positive—even slightly. Includes visuals to show how the trigger rate works in up and down markets.
Cap Rate
Explains how interest is credited up to a fixed cap when the index performs well, with examples that show how gains are calculated and when the cap applies.
Growth Pathway®
Additional Information
Protect and grow savings
- Built-in principal protection, so clients won't lose value due to market declines
- Access to market-linked growth to accumulate assets for both expected and unexpected retirement needs
Precision Portfolios
- Streamline allocation discussions
- Gain access to two balanced and diversified multi-strategy Precision Portfolios designed to match different growth profiles and risk preferences
- Increased guarantees
GMAV
- GMAV included at no additional cost
- Ensures a minimum percentage of credited interest at surrender period end if the account value
Frequently Asked Questions
A fixed index annuity (FIA) is an insurance product designed to help you meet your long-term retirement needs. A FIA may help you:
Grow your money—earn interest based on the performance of the indexed-linked crediting options or fixed account.
Protect your money—lock in gains each year to protect your account value from market drops.
Convert your savings into retirement income, including income for life.
Annuities are long-term investment vehicles designed for retirement purposes. Their guarantees are backed by the financial strength and claims-paying ability of the insurance company that issues the annuity. As an informed consumer, you can research an insurer’s financial strength ratings—which gauge the claims-paying ability of an insurance company to meet its financial obligations to policy/contract holders. These agencies rate the financial strength of insurance companies on a regular basis— for example, A.M. Best Company, Fitch Ratings, and Standard and Poor's.
Your financial professional can help you decide if an annuity fits into your overall financial plan depending on your current portfolio, your short and long-term goals, plus your risk tolerance. Delaware Life Insurance Company does not provide individualized investment, legal, or tax advice. Please consult with your investment, legal, or tax professional before making any investment decisions.
You may be eligible for an early withdrawal of:
Up to 10% of the last contract anniversary account value, or
The required minimum distribution (RMD).
Both options are free of surrender charges and any applicable Market Value Adjustment (MVA). Please consult your financial professional for more information.
Some FIAs may offer riders or features at additional cost. Please consult your financial professional for more information.
Growth Pathway® Legal Disclosure
Broker/dealer and state variations may apply. Contact your broker/dealer for availability. All products and/or options may not be available in all states. Annuity contracts contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. Your licensed financial professional can provide you with complete details. For use with policy forms ICC17-DLIC-FIA-17, ICC17- GLWB-03, ICC15-DLIC-TIW-01 and ICC15-DLIC-NHW-01. Policy and rider form numbers may vary by state.
Annuity withdrawals and other distributions of taxable amounts, including death benefit payouts, will be subject to ordinary income tax. For nonqualified contracts, an additional 3.8% federal tax may apply on net investment income. If withdrawals and other distributions are taken prior to age 59½, an additional 10% federal tax may apply. A withdrawal charge and a market value adjustment (MVA) also may apply. Withdrawals will reduce the contract value and the value of the death benefits, and also may reduce the value of the GLWB benefit.
Fixed index annuities are not securities and do not participate directly in the stock market or any index, and are not investments. It is not possible to invest directly in an index.