PrimeStart Bonus 10™ offers an exclusive trifecta of features combining the power of a 14% premium bonus, interest crediting that’s based on the lowest index value in the first 90 days after contract issue, and flexible index account lock to help kick-start, recover, and accelerate savings.
Fixed Index Annuity
PrimeStart Bonus 10TM
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PrimeStart Bonus 10™
Product Information
PrimeStart Bonus 10™ fixed index annuity with a premium bonus can help kick-start, recover, and accelerate retirement savings, all with market downside protection.
Product Snapshot
Quick-reference guide for key features, including premium bonus, surrender schedule, and index account highlights.
Rate Sheet
Updated monthly with current cap rates, participation rates, and fixed account rates.
Product Brochure
A deeper look at how PrimeStart Bonus 10™ helps contributions start strong and grow steadily.
PrimeStart Bonus 10™
Premium bonus
Interest crediting that’s based on the lowest index value in the first 90 days after contract issue
Diversify by building a custom allocation mix from our strong index lineup or choose a preset portfolio
PrimeStart Bonus 10™
Index and Crediting Strategies Information
PrimeStart Bonus 10™ offers a range of allocation choices to fit different goals. Funds can be placed in one or a combination of index strategies and crediting options, or in one of two balanced, diversified multi-strategy Precision Portfolios designed to simplify diversification and help optimize growth potential.
Index Strategies
Choose from S&P 500®, Goldman Sachs Canopy, Franklin SG Select, First Trust Barclays 10%, Nasdaq-100 Intraday Elite 15%™, and more.
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.
PrimeStart Bonus 10™
Additional Information
"Fast start" bonus for initial investments
PrimeStart Bonus 10™ includes a 14% premium bonus on all payments made within the first 60 days after contract issue. This automatic boost is designed to give retirement savings a strong jumpstart and help accelerate growth.
Maximize index gains from day one
With the Lowest Starting Index Value feature, we use the lowest daily closing value from the first 90 days of the contract to set the index’s start point. That means more opportunity for index-based growth right from the beginning.
Lock in interest rates with long-term confidence
Select index account options come with Flex-Lock rate guarantee*: a feature that locks in crediting rates at contract issue and guarantees them for the entire surrender charge period. Clients gain interest rate certainty for up to 10 years, with the ability to reallocate on any contract anniversary.
*Available on select index strategies.
Diversify with smart, simplified options
Clients can customize their index strategies or go with a turnkey allocation with Precision Portfolios, either Precision Core or Precision Edge. For an additional annual fee, clients who choose individual index options can select from Enhanced Index Account Options that offer higher crediting rates that could help savings grow faster.
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.
Primestart Bonus 10TM Legal Disclosure
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. PrimeStart Bonus 10™ 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 PrimeStart Bonus 10™ 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.
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 ICC22-DLIC-FIA, DLIC22-FIA. Policy and rider form numbers may vary by state.