Pinnacle Plus™ is a multi-year guaranteed annuity (MYGA) that aims to turn retirement assets into income.
Multi-Year Guaranteed Fixed Annuity
Pinnacle PlusTM
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Pinnacle Plus™
Product Information
Pinnacle Plus™ is a guaranteed way to build retirement assets without the principal risk of stocks, bonds, or mutual funds. It’s built for predictable growth, tax-deferred accumulation, and built-in flexibility.
Product Snapshot
Get a quick-reference overview of how the annuity works, including issue ages, premium limits, guarantee periods, withdrawal allowances, surrender schedules, and protection features.
Rate Sheet
View the latest guaranteed interest rates by premium tier and guarantee period.
Product Brochure
Explore how Pinnacle Plus™ annuity works, from guaranteed interest rates to tax-deferred growth, with examples of steady accumulation over time.
State Availability
Check where the product is approved and review any state-specific rules or requirements to confirm availability.
Pinnacle Plus™
Additional Information
Predictable and flexible
Choose one of four guarantee periods—3, 5, 7, or 10 years. Select the time period that best fits your plan, locking in a guaranteed rate for the duration chosen.
Penalty-free withdrawals
Access to a portion of your money without withdrawal charges, offering flexibility when unexpected needs arise.
Tax-deferred growth
Earnings grow tax-deferred, allowing growth to compound over time and keep more of your money working for you.
Frequently Asked Questions
A MYGA is a Fixed Annuity (FA) —an insurance product that is designed to help you meet your long-term retirement needs. An FA can help you:
Grow savings at a predictable, guaranteed fixed rate.
Benefit from tax-deferred growth—pay no taxes on any interest earnings until they are withdrawn.
Guarantee your principal and any interest—when you hold your contract for the full guarantee period (and make no withdrawals).
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 fixed annuities may offer riders or features at additional cost. Please consult your financial professional for more information.
Pinnacle PlusTM Legal Disclosure
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 Delaware Life Insurance Company policy form ICC14-DLIC-MYGA-01A and state specific variations where applicable.
Riders are available for additional expenses.
Withdrawals of taxable amounts are subject to ordinary income tax and if made before age 59½, may be subject to a 10% federal income tax penalty. Distributions of taxable amounts from a nonqualified annuity may also be subject to an additional 3.8% federal tax on net investment income.