Momentum Growth™ FIA offers principal protection, market-linked growth, and the innovative VersaGain™ feature, which allows clients to customize their approach, balancing protection with the flexibility to amplify growth during positive market periods.
Fixed Index Annuity
Momentum GrowthTM
Quick Access
Momentum Growth™
Product Information
Momentum Growth™ empowers clients to maximize their financial growth by offering the flexibility to tailor their strategy, creating opportunities for greater returns than traditional FIAs.
Product Snapshot
At-a-glance overview of contract terms, withdrawal features, and index account details.
Rate Sheet
See current caps, participation rates, and fixed interest rates.
Product Brochure
Explore in depth how Momentum Growth™ uses VersaGain™ and Index Lock to give clients more control.
Index Lock Brochure
Index Lock enables clients to capture and preserve index gains by moving out of strategies at the right time—offering greater control and the opportunity to benefit from market upswings.
VersaGain™ Brochure
Understand how clients can balance protection and growth, offering flexibility as their financial goals evolve over time.
Momentum Growth™
Control. Customize. Capitalize.
Premium protection
Growth potential
Unique built-in feature – VersaGain™ to control what you protect, customize your annual growth potential, and capitalize on positive equity markets
Momentum Growth™
Index and Crediting Strategies Information
Momentum Growth™ allows clients to allocate across multiple index accounts, including well-known options like the S&P 500® and Nasdaq-100 Volatility Control 12%.
Index Strategies
Get a deeper look at the S&P 500®, Nasdaq-100 Volatility Control 12%, Barclays Aries, and other index options available with Momentum Growth™—including strategy rationale, volatility management, and asset class breakdowns.
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.
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.
Momentum Growth™
Additional Information
Control your protection
- VersaGain™ lets clients decide how much of their earnings to secure and how much to reallocate for greater growth potential in the future
- Index Lock allows them to capture gains at any point during the term, turning positive market performance into lasting progress.
Customize your growth strategy
- Gives clients the flexibility to adapt as their financial goals change.
- Its built-in VersaGain™ feature lets them decide how much of last year’s interest gains to protect and how much to put back to work for greater potential in the future.
Capitalize on strong market years
- Connects clients to market indexes with the opportunity to benefit when markets rise.
- They can take advantage of competitive participation and cap rates or choose fixed interest options—all with the confidence of knowing their principal is protected.
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.
Momentum GrowthTM Legal Disclosures
Annuities are long-term financial vehicles designed for retirement purposes. These policies may not be available in all states, and product features vary by state. The surrender value will not be less than the minimum value required by your state. Momentum Growth™ fixed index annuity has age eligibility requirements, minimum premium amounts, systematic withdrawal limits, and qualifying requirements for waiver of withdrawal and surrender charges. For more details, including limitations and exclusions, ask your financial professional or refer to the Momentum Growth™ product brochure.
Fixed index annuities are not securities, 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.
Annuities are issued and guarantees are backed by the financial strength and claims-paying ability of Delaware Life Insurance Company (Zionsville, IN). Products, riders, and features may vary by state, and may not be available in all states. This material may not be approved in all states.
This communication is for informational purposes only. 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 your investment, legal or tax 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. Contracts are issued by Delaware Life Insurance Company. For use with policy forms ICC24-DLIC-FIA-MSP and endorsement/rider forms ICC24-DLIC-EARCAP, ICC24-DLIC-EARPAR. Policy and rider form numbers may vary by state.