Retirement Stages Select® is a fixed index annuity that offers growth potential and principal protection, setting a course toward retirement goals.
Fixed Index Annuity
Delaware Life
Retirement Stages Select®
Flexibility, choice, and security
Rates Retirement Stages Select® Product Information
Retirement Stages Select® fixed index annuity provides strong growth potential and downside market protection with additional asset flexibility.
Retirement Stages Select® Index and Crediting Strategies Information
Retirement Stages Select® allows you to allocate your money in one or a combination of index strategies and crediting options. Or you could choose a balanced and diversified multi-strategy Precision Portfolios.
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.
Opportunity meets protection
Allocate to one or a combination of strategies that offers the potential to grow based on the performance of the chosen indices, measured from the beginning to the end of the 1-year term. When the index rises, the account is credited with interest, a portion of the gain. If the chosen index falls, no interest is received, but there is no loss to the principal, which has been “locked in” and protected.
Options to access money
Sometimes, it’s necessary to access money. Retirement Stages Select® offers options that allow withdrawals from the account value. After the first year, up to 10% of the last contract anniversary value, or a Required Minimum Distribution (RMD), is free of surrender charges. There is also the flexibility to withdraw more than the free amount, but surrender charges may apply.
Diversification
Select from a range of individual index options to diversify in changing markets or choose a balanced and diversified multi-strategy Precision Portfolio designed to give you a simple, tailored way to diversify your portfolio.
Retirement Stages Select® Disclosures
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 base policy forms DLIC-FIA-17 or ICC17-DLIC-FIA-17.
Retirement Stages Select® is currently approved for sale in all states EXCEPT: NY