Retirement Stages Select™ is built for long-term accumulation and protection. It offers access to multiple index strategies for diversified growth potential while ensuring the principal is safeguarded from market declines, helping clients stay on track toward the retirement they envision.
Fixed Index Annuity
Retirement Stages Select®
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Retirement Stages Select®
Product Information
Retirement Stages Select® fixed index annuity provides strong growth potential and downside market protection. With a streamlined design and multiple index strategies, it’s built to meet real-world retirement goals.
Product Snapshot
A quick-reference summary of key features, surrender schedules, and issue ages—all on a single page.
Rate Sheet
View the latest cap rates, trigger rates, participation rates, and Precision Portfolio allocations—updated monthly.
Product Brochure
Get a comprehensive look at how Retirement Stages Select® works, including crediting strategies, index options, surrender schedules, and available benefits.
Retirement Stages Select®
5- to 7-year retirement horizon
Built-in bailout provision helps protect against future renewal rate declines
Choose your own allocations or opt for one of our “check-the-box” allocation options for easy diversification
Strong index lineup from industry-leading investment managers
Add additional premium at any time without extending the surrender charge schedule
Retirement Stages Select®
Index and Crediting Strategies Information
Retirement Stages Select® allows clients to allocate money in one or a combination of index strategies and crediting options. Or, clients can choose one of two balanced and diversified multi-strategy Precision Portfolios.
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.
Retirement Stages Select®
Additional Information
Consistency, growth, and flexibility
Gives clients the confidence they need to stay on track—no matter where they are in their retirement journey. With world-class index strategies, Precision Portfolios, and a strong fixed rate option, this FIA offers multiple paths to accumulate value with principal protection. And, terminal illness waivers are available, subject to eligibility.
Options to access money
Access your money when you need it. Starting after the first year, you can withdraw up to 10% of your account value each year—or take your Required Minimum Distribution (RMD)—without any surrender charges. If you ever need more, you can withdraw additional funds, though charges may apply. You’re always in control of when and how you access your money throughout the contract.*
Diversification
Choose from a wide range of individual index options to build your own strategy—or keep it simple with one of two balanced Precision Portfolios. Each portfolio blends multiple index strategies to help you stay diversified and positioned for opportunity as markets change.
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.
Retirement Stages Select® Disclosures
*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.
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