Products

A BROAD ARRAY OF RETIREMENT INCOME SOLUTIONS DESIGNED FOR REAL-LIFE GOALS

We are dedicated to supporting you with valuable, straightforward solutions that help save for today and provide income for tomorrow. We partner with some of the world’s leading investment managers to bring you value and a diverse suite of fixed income choices to fit your individual, evolving goals.

Our product lines include variable annuities, fixed annuities, fixed index annuities, and variable life insurance. Delaware Life manages approximately 342,000 in-force annuity and life insurance policies representing $37.9 billion in assets under management and $13.5 billion of invested assets as of March 31, 2017.

Delaware Life Holdings, LLC (Delaware Life)* acquired the domestic U.S. annuity and certain life insurance businesses of Sun Life Financial, Inc. These valued policyholders are our foundation and we are dedicated to providing for their needs with improved support and service.

Learn about our current products offerings:

Assured Income 7SM Fixed Index Annuity

Americans are living longer than ever thanks to advances in medicine and healthier lifestyles. This is great news, but longer lifespans mean extra years in retirement. You may even spend more years in retirement than you have at work. You may need to plan for more financial resources to have the retirement lifestyle you envision.
 
Assured Income 7SM Fixed Index Annuity is a flexible and straightforward solution built to provide you with guaranteed lifetime income. Your annuity gives you the choice of simple crediting options to grow your money and competitive guaranteed income you can depend upon and plan around. Assured Income 7SM offers an excellent balance of predictable guaranteed income and competitive accumulation.
 

Key Benefits

Assured Income 7SM gives you sought-after guaranteed lifetime income and simple, attractive crediting options to grow your money.
 

Guaranteed Principal to Protect Your Retirement Money

Unlike other retirement products, a fixed index annuity is not an investment in individual securities. So when the markets do poorly, your account is guaranteed to not drop in value. Both your investment and any interest it earns are protected from principal loss, by the claims-paying ability and financial strength of the issuing insurance company.1
 

1If you withdraw your assets, your principal may be reduced by withdrawal and surrender charges, rider fees and a market value adjustment.

Choice of Indexes and Crediting Methods to Suite Your Needs

Straightforward options to grow your savings:
 

  • S&P 500® Index – Widely regarded as a premier benchmark for the domestic stock market.
  • Fixed Account – Credited with an interest rate that is current on the date the investment is effective.

You may elect more than one strategy and on each contract anniversary, you may reallocate your account value among the options available at that time.
 
For more detailed information on the index options and the crediting methods available, please see our Product Brochure.
 

The Standard and Poor’s 500® (“S&P 500®”) is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by Delaware Life Insurance Company (“Delaware Life”). Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Delaware Life. Assured Income 7SM is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500®.

Guaranteed Lifetime Withdrawal Benefit with Fee Refund Feature

Assured Income 7SM comes with a guaranteed lifetime withdrawal benefit that provides income for the owner and spouse (if elected), even if the account (cash) value should go to zero. The benefit base will grow by a guaranteed 9% per year (roll-up bonus credit) for 10 years (roll-up bonus period) for an annual cost. The benefit base is the amount on which your lifetime income is calculated. The benefit base is not a cash or surrender value or death benefit and is not available as a lump sum. This feature means you’ll know what your lifetime income will be, so you can make plans with real information.
 
Fee Refund Feature
 
The guaranteed lifetime withdrawal benefit also includes a unique fee refund feature. After 10 years (or less if the annuity’s owner dies) 100% of rider fees paid (within the last 10 contract years) are eligible for a refund if:
 

  • Lifetime income is never started, and
  • No withdrawals of any kind (including RMDs) are taken.

Bailout Endorsement

Assured Income 7SM comes with a “bailout” provision, that provides full or partial withdrawals from the contract without a surrender charge or market value adjustment if, the renewal cap for the S&P 500® 1-year point-to-point strategy is below the bailout cap rate. A cap is the maximum interest your FIA can earn in a year. No allocation to the Index account is required to receive this bailout protection. This benefit is provided to the owner at no cost. See the disclosure statement for more details.

 
Delaware Life Insurance Company is authorized to transact business in all states except New York, as well as in the District of Columbia, Puerto Rico and the U.S. Virgin Islands.
 

For more information about Assured Income 7SM, contact us or download our Product Brochure or Product Profile (Download Adobe Acrobat Reader). Product availability and marketing material may vary by state. Ask your financial professional to help you get started.

 
For Producers: For additional product information, and to download a sales kit, please click here.

Retirement Stages 7® Fixed Index Annuity

A long retirement could afford you the time to do the things you never had the chance to do while you were working, raising a family and paying a mortgage. You know that you’ll need the means to realize that goal, so you’re looking for the opportunity to continuously grow your savings while protecting it from market losses.
 
The unique features of Delaware Life’s Retirement Stages 7® Fixed Index Annuity give you conservative income potential, including optional riders that provide guaranteed lifetime income and a return of your premium payments free of surrender charges.1 You have a choice of index options available only from Delaware Life. The flexibility of Retirement Stages 7® is designed to adapt to your needs through all the stages of your life – growing your savings while working, protecting your savings and providing reliable retirement income.
 

1Optional riders are available for an additional fee, subject to state availability and restrictions and limits apply.

 

Key Benefits

Retirement Stages 7® gives you flexibility and control to plan for the stages of your life your way with:
 

Guaranteed Principal to Protect Your Retirement Money

Unlike other retirement products, a fixed index annuity is not an investment in individual securities. So when the markets do poorly, your account is guaranteed to not drop in value. Both your investment and any interest it earns are protected from principal loss, by the claims-paying ability and financial strength of the issuing insurance company.1
 

1If you withdraw your assets, your principal may be reduced by withdrawal and surrender charges, rider fees and a market value adjustment.

Choice of Indexes and Crediting Methods to Suit Your Needs

Choose from an unusual, well thought-out selection of investment options and crediting methods designed to meet your evolving needs and goals:
 

  • CROCI Sectors III USD 5.5% Volatility Control Index – Sponsored by Deutsche Bank and dynamically allocates exposure between the CROCI Sectors Index, which invests in the 10 most undervalued stocks from each of the three most undervalued global industry sectors, and a cash component, using a volatility control mechanism to help limit overall volatility.
  • Momentum Asset Allocator 5.5% Volatility Control Index – Sponsored by Deutsche Bank and dynamically allocates exposure across equities, gold, interest rates and cash based on their trailing nine month performance, using a volatility control mechanism to help limit overall volatility.
  • S&P 500® Index – Widely regarded as a premier benchmark for the domestic stock market.
  • Fixed Account – Credited with an interest rate that is current on the date the investment is effective.

 
You may elect more than one strategy and on each contract anniversary, you may reallocate your account value among the options available at that time. For more detailed information on the index options and the crediting methods available, please see our Product Brochure.
 

This Product (the “Product”) is not sponsored, endorsed, managed, sold or promoted by Deutsche Bank AG (DB AG) or any subsidiary or affiliate of DB AG.  The Deutsche Bank Indices are the exclusive property of DB AG.  “Deutsche Bank” and “CROCI” are proprietary marks of DB AG and its affiliates that have been licensed for certain uses and purposes to Delaware Life Insurance Company (DLIC).  Neither DB AG, CROCI, nor any affiliate of DB AG, nor any other party involved in, or related to, making or compiling the Deutsche Bank Indices: (1) is acting in a fiduciary or product management capacity or providing any endorsement of the Product or investment advice of any kind; (2) has any obligation to take the needs of DLIC, the sponsor of the Product, or its clients into consideration in determining, composing or calculating the Deutsche Bank Indices; (3) is responsible for or has participated in the determination of the timing of, prices at, quantities or valuation of the Product; (4) WARRANTS OR GUARANTEES THE ACCURACY AND/OR THE COMPLETENESS OF THE DEUTSCHE BANK INDICES OR ANY DATA INCLUDED THEREIN AND SHALL HAVE NO LIABILITY FOR ANY ERRORS, OMISSIONS, OR INTERRUPTIONS THEREIN OR THE ADMINISTRATION, MARKETING OR TRADING OF THE PRODUCT.  The CROCI Indices have been built on the premise that the CROCI Economic P/E is an effective indicator of inherent value. This premise may not be correct, and prospective investors must form their own view of the CROCI methodology and evaluate whether CROCI is appropriate for them. Please see the Disclosure Statement and Annuity Illustration for more information about the Deutsche Bank Indices and the Product.
Obligations to make payments under the Product are solely the obligation of Delaware Life Insurance Company and are not the responsibility of DB AG. The selection of one or more of the Deutsche Bank Indices as a crediting option under the Product does not obligate Delaware Life Insurance Company or DB AG to invest annuity payments in the components of any of the Deutsche Bank Indices.
The Momentum Asset Allocator 5.5% Volatility Control Index is calculated on an excess return basis reflecting the weighted performance of the Index constituents in excess of the performance of the Deutsche Bank Momentum Money Market Index. In addition, the Index also reflects the daily deduction of a 0.25% per annum fee.
While volatility controls may result in less fluctuation in rates of return as compared to indices without volatility controls, they may also reduce the overall rate of return as compared to products not subject to volatility controls.

 

There are risks associated with the CROCI methodology, the CROCI Sectors III Index and the CROCI Sectors III USD 5.5% Volatility Control (“CROCI Sectors 5.5% VC”) Index:

  • No assurance can be given that the CROCI methodology will be successful at identifying undervalued companies;
  • There is no assurance that (i) the three industry sectors chosen will outperform the other industry sectors or (ii) the 30 chosen stocks will outperform the remaining stocks in the component indices;
  • Even if the strategy of the CROCI Sectors III Index is successful and it outperforms the component indices, the level of the CROCI Sectors 5.5% VC may decline;
  • Because the CROCI Sectors 5.5% VC is subject to a maximum notional exposure of 100% to the CROCI Sectors III Index and will not adjust its exposure to the CROCI Sectors III Index by more than 10% on any day, the CROCI Sectors 5.5% VC may not be able to maintain a fixed target volatility level of 5.5%;
  • If the realized volatility of the CROCI Sectors III Index is less than 5.5%, the CROCI Sectors 5.5% VC may have a 100% exposure to the CROCI Sectors III Index, but a target volatility level less than 5.5%;
  • Because the CROCI Sectors 5.5% VC’s exposure to the CROCI Sectors III Index on each day is calculated based on the historical realized volatility the CROCI Sectors III Index, the realized volatility of the CROCI Sectors 5.5% VC could differ significantly from the target volatility level;
  • The CROCI Sectors 5.5% VC is subject to currency exchange rate risk; and
  • Deutsche Bank AG, London Branch, as the sponsor and calculation agent of the Index, may adjust the Index and/or its components in a way that affects their respective levels and may have conflicts of interest.

 

There are risks associated with the Deutsche Bank Momentum Asset Allocator 5.5% Volatility Control Index (the “Index”) and the Deutsche Bank Momentum Asset Allocator Index (the “Momentum Index”):

  • The Momentum Asset Allocator 5.5% Volatility Control Index is calculated on an excess return basis reflecting the weighted performance of the Index constituents in excess of the performance of the Deutsche Bank Momentum Money Market Index. In addition, the Index also reflects the daily deduction of a 0.25% per annum fee;
  • On any day, the actual realized volatility of the Index could be significantly higher or lower than the target volatility of 5.5%;
  • There is no assurance that the strategy of the Momentum Index will be successful, and it may decline in value even if successful. Past performance of the Index is not indicative of future results; and
  • Deutsche Bank AG, London Branch, as the sponsor and calculation agent of the Index, the Momentum Index and the Momentum Index’s underlying indices, may adjust such indices in a way that affects their respective levels and may have conflicts of interest.

 

The Standard and Poor’s 500® (“S&P 500®”) is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by Delaware Life Insurance Company (“Delaware Life”). Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Delaware Life. Retirement Stages 7® is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500®.

Options for Lifetime Income

Take your retirement income as you choose:
 

  • Free withdrawal amounts
  • Periodic withdrawals
  • Annuity payments
  • Guaranteed withdrawals with an optional, affordable Stacked Accumulation Income Rider® (STAIR®) provides guaranteed lifetime income for you and your spouse, even if your Account Value should go to zero.

Return of Premium Rider

The optional Return of Premium Rider is available for an additional fee. You may surrender at any time prior to the Annuity Date – without surrender charges – and receive at least 100% of the premiums you paid (minus applicable prior withdrawals).

Access to Indexes Sponsored By a Global Leader

Access the indexes sponsored by a leading global provider of financial services when you choose the CROCI Sectors III USD 5.5% Volatility Control Index and Momentum Asset Allocator 5.5% Volatility Control Index. Founded in 1870 and headquartered in Frankfurt am Main, Germany, Deutsche Bank is the largest bank in Germany and one of the largest financial institutions in the world. As of December 31, 2014, the firm manages $2.1 trillion in assets and has more than 90,000 global employees, operating in 71 countries around the world. The company also offers the sales, trading and structuring of a wide range of financial markets’ products including index-based swaps, notes and certificates.
 

“Deutsche Bank” means Deutsche Bank AG and its affiliated companies, as context requires. Deutsche Bank does not render legal or tax advice and information in this communication should not be regarded as such.

Bailout Endorsement

Retirement Stages 7® comes with a “bailout” provision, which provides full or partial withdrawals from the contract without a surrender charge or market value adjustment if the renewal cap for the S&P 500® 1-year point-to-point strategy is below the bailout cap rate. A cap is the maximum interest your FIA can earn in a year. No allocation to the Index account is required to receive this bailout protection. This benefit is provided to the owner at no cost. See the disclosure statement for more details.

 
Delaware Life Insurance Company is authorized to transact business in all states except New York, as well as in the District of Columbia, Puerto Rico and the U.S. Virgin Islands.
 
For more information on Retirement Stages 7®, contact us or download our Product Brochure or Product Profile (Download Adobe Acrobat Reader). Product availability and marketing material may vary by state. Ask your financial professional to help you get started.

 
For Producers: For additional product information, and to download a sales kit, please click here.
 

Retirement Chapters 10® Fixed Index Annuity

You’re planning for a long retirement and need reliable income to do the things you have planned. You want the best of both worlds: upside potential with downside protection. We understand the challenges you face preparing for retirement. You want a solution that delivers good value, protects your principal and helps you grow assets so you can count on lifetime income.
 
The unique features and flexibility of Delaware Life’s Retirement Chapters 10® Fixed Index Annuity give you the security of principal protection, upside potential linked to the performance of the index(es) you choose, tax-deferred growth and predictable income. We can’t tell you where your story will take you, but we can help you be prepared.
 

Key Benefits

Retirement Chapters 10® gives you flexibility and control so you can plan for the next chapters of your life your way with:
 

Guaranteed Principal to Protect Your Retirement Money

Unlike other retirement products, a fixed index annuity is not an investment in individual securities. So when the markets do poorly, your account is guaranteed to not drop in value. Both your investment and any interest it earns are protected from principal loss, by the claims-paying ability and financial strength of the issuing insurance company.1
 

1If you withdraw your assets, your principal may be reduced by withdrawal and surrender charges, rider fees and a market value adjustment.

Choice of Indexes and Crediting Methods to Suit Your Needs

Choose from an unusual, well thought-out selection of investment options and crediting methods designed to meet your evolving needs and goals:
 

  • CROCI Sectors III USD 5.5% Volatility Control Index – Sponsored by Deutsche Bank and dynamically allocates exposure between the CROCI Sectors Index, which invests in the 10 most undervalued stocks from each of the three most undervalued global industry sectors, and a cash component, using a volatility control mechanism to help limit overall volatility.
  • Momentum Asset Allocator 5.5% Volatility Control Index – Sponsored by Deutsche Bank and dynamically allocates exposure across equities, gold, interest rates and cash based on their trailing nine month performance, using a volatility control mechanism to help limit overall volatility.
  • S&P 500® Index – Widely regarded as a premier benchmark for the domestic stock market.
  • Fixed Account – Credited with an interest rate that is current on the date the investment is effective.

You may elect more than one strategy and on each contract anniversary, you may reallocate your account value among the options available at that time. For more detailed information on the index options and the crediting methods available, please see our Product Brochure.
 

This Product (the “Product”) is not sponsored, endorsed, managed, sold or promoted by Deutsche Bank AG (DB AG) or any subsidiary or affiliate of DB AG.  The Deutsche Bank Indices are the exclusive property of DB AG.  “Deutsche Bank” and “CROCI” are proprietary marks of DB AG and its affiliates that have been licensed for certain uses and purposes to Delaware Life Insurance Company (DLIC).  Neither DB AG, CROCI, nor any affiliate of DB AG, nor any other party involved in, or related to, making or compiling the Deutsche Bank Indices: (1) is acting in a fiduciary or product management capacity or providing any endorsement of the Product or investment advice of any kind; (2) has any obligation to take the needs of DLIC, the sponsor of the Product, or its clients into consideration in determining, composing or calculating the Deutsche Bank Indices; (3) is responsible for or has participated in the determination of the timing of, prices at, quantities or valuation of the Product; (4) WARRANTS OR GUARANTEES THE ACCURACY AND/OR THE COMPLETENESS OF THE DEUTSCHE BANK INDICES OR ANY DATA INCLUDED THEREIN AND SHALL HAVE NO LIABILITY FOR ANY ERRORS, OMISSIONS, OR INTERRUPTIONS THEREIN OR THE ADMINISTRATION, MARKETING OR TRADING OF THE PRODUCT.  The CROCI Indices have been built on the premise that the CROCI Economic P/E is an effective indicator of inherent value. This premise may not be correct, and prospective investors must form their own view of the CROCI methodology and evaluate whether CROCI is appropriate for them. Please see the Disclosure Statement and Annuity Illustration for more information about the Deutsche Bank Indices and the Product.
Obligations to make payments under the Product are solely the obligation of Delaware Life Insurance Company and are not the responsibility of DB AG. The selection of one or more of the Deutsche Bank Indices as a crediting option under the Product does not obligate Delaware Life Insurance Company or DB AG to invest annuity payments in the components of any of the Deutsche Bank Indices.
The Momentum Asset Allocator 5.5% Volatility Control Index is calculated on an excess return basis reflecting the weighted performance of the Index constituents in excess of the performance of the Deutsche Bank Momentum Money Market Index. In addition, the Index also reflects the daily deduction of a 0.25% per annum fee.
While volatility controls may result in less fluctuation in rates of return as compared to indices without volatility controls, they may also reduce the overall rate of return as compared to products not subject to volatility controls.

 

There are risks associated with the CROCI methodology, the CROCI Sectors III Index and the CROCI Sectors III USD 5.5% Volatility Control (“CROCI Sectors 5.5% VC”) Index:

  • No assurance can be given that the CROCI methodology will be successful at identifying undervalued companies;
  • There is no assurance that (i) the three industry sectors chosen will outperform the other industry sectors or (ii) the 30 chosen stocks will outperform the remaining stocks in the component indices;
  • Even if the strategy of the CROCI Sectors III Index is successful and it outperforms the component indices, the level of the CROCI Sectors 5.5% VC may decline;
  • Because the CROCI Sectors 5.5% VC is subject to a maximum notional exposure of 100% to the CROCI Sectors III Index and will not adjust its exposure to the CROCI Sectors III Index by more than 10% on any day, the CROCI Sectors 5.5% VC may not be able to maintain a fixed target volatility level of 5.5%;
  • If the realized volatility of the CROCI Sectors III Index is less than 5.5%, the CROCI Sectors 5.5% VC may have a 100% exposure to the CROCI Sectors III Index, but a target volatility level less than 5.5%;
  • Because the CROCI Sectors 5.5% VC’s exposure to the CROCI Sectors III Index on each day is calculated based on the historical realized volatility the CROCI Sectors III Index, the realized volatility of the CROCI Sectors 5.5% VC could differ significantly from the target volatility level;
  • The CROCI Sectors 5.5% VC is subject to currency exchange rate risk; and
  • Deutsche Bank AG, London Branch, as the sponsor and calculation agent of the Index, may adjust the Index and/or its components in a way that affects their respective levels and may have conflicts of interest.
There are risks associated with the Deutsche Bank Momentum Asset Allocator 5.5% Volatility Control Index (the “Index”) and the Deutsche Bank Momentum Asset Allocator Index (the “Momentum Index”):

  • The Momentum Asset Allocator 5.5% Volatility Control Index is calculated on an excess return basis reflecting the weighted performance of the Index constituents in excess of the performance of the Deutsche Bank Momentum Money Market Index. In addition, the Index also reflects the daily deduction of a 0.25% per annum fee;
  • On any day, the actual realized volatility of the Index could be significantly higher or lower than the target volatility of 5.5%;
  • There is no assurance that the strategy of the Momentum Index will be successful, and it may decline in value even if successful. Past performance of the Index is not indicative of future results; and
  • Deutsche Bank AG, London Branch, as the sponsor and calculation agent of the Index, the Momentum Index and the Momentum Index’s underlying indices, may adjust such indices in a way that affects their respective levels and may have conflicts of interest.
The Standard and Poor’s 500® (“S&P 500®”) is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by Delaware Life Insurance Company (“Delaware Life”). Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Delaware Life. Retirement Chapters 10SM is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500®.

Premium Bonus Added to Your First-Year Investments

Delaware Life will boost your retirement savings by adding a 5% bonus to all premiums you pay during the first year of the contract.

Options for Lifetime Income

Take your retirement income as you choose:
 

  • Free withdrawal amounts
  • Periodic withdrawals
  • Annuity payments
  • Guaranteed withdrawals with an optional, affordable Stacked Accumulation Income Rider® (STAIR®) provides guaranteed lifetime income for you and your spouse, even if your Account Value should go to zero.

Access to Indexes Sponsored By a Global Leader

Access the indexes sponsored by a leading global provider of financial services when you choose the CROCI Sectors III USD 5.5% Volatility Control Index and Momentum Asset Allocator 5.5% Volatility Control Index. Founded in 1870 and headquartered in Frankfurt am Main, Germany, Deutsche Bank is the largest bank in Germany and one of the largest financial institutions in the world. As of December 31, 2014, the firm manages $2.1 trillion in assets and has more than 90,000 global employees, operating in 71 countries around the world. The company also offers the sales, trading and structuring of a wide range of financial markets’ products including index-based swaps, notes and certificates.
 

“Deutsche Bank” means Deutsche Bank AG and its affiliated companies, as context requires. Deutsche Bank does not render legal or tax advice and information in this communication should not be regarded as such.

 

State Availability

Retirement Chapters 10® is currently approved for sale in all States EXCEPT*: CT, NM, NY.

*Effective 1/1/17

 
Delaware Life Insurance Company is authorized to transact business in all states except New York, as well as in the District of Columbia, Puerto Rico and the U.S. Virgin Islands.
 

For more information on Retirement Chapters 10®, contact us or download our Product Brochure or Product Profile (Download Adobe Acrobat Reader). Product availability and marketing material may vary by state. Ask your financial professional to help you get started.

 
For Producers: For additional product information, and to download a sales kit, please click here.
 

Pinnacle MYGASM A Multi-year Guaranteed Fixed Annuity

Pinnacle MYGASM is a single-premium deferred fixed annuity with multiple guarantee periods. It offers a simple, guaranteed way to build retirement assets without the principal risk typically associated with stocks, bonds or mutual funds.
 

Key Benefits

Pinnacle MYGASM offers these advantages:
 

Guaranteed, fixed interest rates

You can choose one of multiple guarantee periods to align with your specific needs and get a fixed rate of interest for the period you select.

Protection of principal

Your principal and interest are guaranteed as long as you hold your contract for the length of the guarantee period.

Tax-deferred growth, until you take withdrawals

You do not pay any taxes on earnings until you take withdrawals so your money can grow faster. Deferring taxes could be even more beneficial if you are in a lower tax bracket when you make your withdrawals as a retiree.

Lifetime Income Options

You can choose the income option that fits your needs: payments for your entire lifetime or payments over the lifetime of you and a co-annuitant.

Death Benefit

Pinnacle MYGASM provides a death benefit is equal to the account value at the time the benefit is paid.

Market Value Adjustment

If you make a withdrawal prior to the end of the interest guarantee period you may be subject to a market value adjustment that reflects changes in interest rates that may occur between the times the guaranteed interest rate began and when the withdrawal is taken.
For more information on Pinnacle MYGA℠, contact us or download our Product Brochure (Download Adobe Acrobat Reader). Product availability and marketing material may vary by state. Ask your financial professional to help you get started.
 
For Producers: For additional product information, and to download a sales kit, please click here.
 

Delaware Life Independence Universal LifeSM (independence ulSM)



Exclusively for members of the SEED My Future Association, Inc. independence ulSM is an innovative group universal life insurance policy for members age 18 to 49 designed to help build long-term savings, while providing important insurance protection.
 

Key Benefits

With independence ulSM, SEED My Future Association, Inc. members can take advantage of the tax benefits unique to a life insurance policy to get:

  • Protection that lasts your entire lifetime
  • The potential to build equity—or cash value—that grows tax deferred and can be used to help meet your financial goals
  • Flexibility to control the amount and frequency of your payments, subject to policy minimums1
For more information on independence ulSM or the SEED My Future Association, Inc. visit www.seedmyfuture.com or download our
Product Profile (Download Adobe Acrobat Reader). Product availability may vary by state.
1Policy limitations include a $100 minimum payment, a limit on additional premium payments if they would prevent your certificate from meeting the definition of life insurance, and a requirement that increases in your monthly premium payment are subject to evidence of insurability.

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