Power. Flexibility. Protection. You can have them all—the power of a premium bonus of up to 26%1, the flexibility of enhanced liquidity, and the increased protection of an enhanced return of premium.
Fixed Index Annuity
TrackGuard+TM Fixed Index Annuity
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TrackGuard+™
Product Information
TrackGuard+TM stands out with a:
- Premium bonus that is credited immediately for all payments made within the first year1
- Built-in Enhanced Liquidity Rider that can provide an annual free withdrawal amount of up to 28%2
- Enhanced Return of Premium (ROP) benefit3 that guarantees at 100% of your premium back (adjusted for withdrawals) in the event you need to fully surrender your contract after the 4th year.
Product Snapshot
Quick-reference guide covering premium limits, premium bonus rate and recapture schedule, rider details, fees, and other features.
Rate Sheet
View the latest participation and cap rates, fixed rate options, and index crediting details—updated regularly.
Product Brochure
Explore how TrackGuard+™ works—from crediting strategies and index options to the Enhanced ROP and Liquidity riders.
TrackGuard+™
Get ahead and stay on track with:
Power— a premium bonus of up to 26%1
Flexibility— Up to 28% penalty-free liquidity2
Protection—Enhanced Return of Premium3
TrackGuard+™
Index and Crediting Strategies Information
TrackGuard+™ allows clients to allocate funds to one or more index strategies from leading investment managers.
Index Strategies
TrackGuard+™ provides multiple index strategies to help capture growth and navigate market fluctuations, along with a fixed account that offers stability through an interest rate declared each year.
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.
TrackGuard+™
Additional Information
Reallocation Flexibility
Clients can reallocate their funds at the end of each strategy term, adjusting for changing needs, goals, or risk tolerance.
Premium Guard
At the end of the surrender charge period, your account value is guaranteed to equal at least your total premium plus premium bonus (adjusted for gross withdrawal amount net of surrender charge and MVA). If it falls short, the Premium Guard Credit makes up the difference.* This benefit provides long-term guaranteed minimum account value protection.
*The Premium Guard Credit will be applied pro-rata across the current allocations after any applicable fees are taken.
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 index-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 7% of the last contract anniversary account value, or
Only one tax year’s RMD Amount can be taken during any one Contract Year.
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.
TrackGuard+TM Legal Disclosure
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. Because they are meant for long-term accumulation, most annuities have withdrawal charges that are assessed during the early years of the contract if the contract owner surrenders the annuity. Withdrawals above the free withdrawal amount are subject to a withdrawal charge and/or market value adjustment.
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. TrackGuard+™ 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 TrackGuard+™ 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 Delaware Life Insurance Company TrackGuard+TM forms: DLIC26-FIA-MSP-NF, DLIC23-FIA-BONUS, DLIC26-FIA-PG, DLIC26-FIA-ELIQ, DLIC26-FIA-EROP. Policy and rider form numbers may vary by state.
The downside protection provided by a fixed index annuity ensures that during crediting periods in which the index return is negative or flat, no less than 0% interest is credited to the index strategy. Any annual rider charge or fee will continue to be deducted from the account value regardless of index performance or interest credited. As a result, in a crediting period where 0% interest is credited, the rider charge will reduce your account value.
- Paid on all first-year premiums. The premium bonus varies by state and is subject to a recapture schedule if the contract is surrendered during the surrender period.
- Available after the first contract year, this benefit enhances the penalty-free withdrawal amount by accumulating any unused free withdrawal amount percentage from the prior year and carrying it over into the following year. Allows for a free withdrawal amount greater than 7% beginning in Year 3. A maximum of 21% may be carried over each year --allowing for a maximum total free withdrawal amount of up to 28% in any given contract year. A 0.95% fee is deducted from the account value at the end of each year during the surrender charge period. 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 non-qualified annuity may also be subject to an additional 3.8% federal tax on net investment income.
- Total Premium less net withdrawals (net of CDSC & MVA, and Bonus Recapture).