Annuity rate data updated daily

Rate data refreshes daily from AdvisorWorld and CANNEX carrier feeds. View current rates

Fixed Indexed Annuity

Momentum Growth

Delaware Life

9.25%

Best Cap

10%

Free W/D

50

Jurisdictions

Product data status: May 29, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Live product data

Rates as of May 28, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

9.25% cap on S&P 500

A ten-year-surrender fixed indexed annuity from A-rated Delaware Life, built for index-linked accumulation on a 'Flexible Cap' S&P 500 strategy plus a curated set of proprietary volatility-controlled participation benchmarks, with no income rider and no premium bonus.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers committed to a full ten-year deferral who want index-linked accumulation, value a curated rather than sprawling index menu, and don't need a guaranteed lifetime-income rider built into the contract.

AM Best

A- Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.25% cap rate

Rate varies by premium band.

Fixed Account

Fixed Account

4.5% declared rate

Rate varies by premium band.

+ 4 volatility-controlled index options (S&P 500, Nasdaq-100 Volatility, Barclays Aries...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Carrier financial strength is rated by two independent agencies (A.M. Best and S&P), so the strength view is not a single-source read.
  • Index menu pairs the recognizable S&P 500 with a curated set of proprietary volatility-controlled benchmarks (Barclays Aries, BlackRock U.S. Equity Bitcoin Balanced Risk, Nasdaq-100 Volatility Control, S&P 500 Dynamic Intraday TCA) — the buyer can choose between like-for-like cap comparison and higher-participation alternatives.
  • 'Flexible Cap' design on the S&P 500 strategy is contractually defined — the cap can flex year-to-year but is held above a guaranteed minimum, which is the number a buyer who wants a worst-case planning floor should compare against.
  • Free-withdrawal allowance and the full ten-year surrender ladder are visible on this page, so the schedule of penalty-free liquidity is not gated behind a sales brochure.

What to confirm

  • This contract is not a guaranteed-lifetime-withdrawal product. There is no GLWB income rider attached — the live feed shows an empty income-rider list. Do not compare its payout side-by-side with a rider-led income FIA, including the sibling 'DualTrack Income' filing.
  • The ten-year surrender term sits at the long end of the FIA market. Buyers who do not need a full ten-year deferral should compare a shorter-surrender FIA — Delaware Life's own seven-year filings (Growth Pathway, Retirement Stages Select) cover the same accumulation purpose with a shorter lock-up.
  • There is no premium bonus and no death-benefit roll-up on this contract — the death benefit is the standard contract value with no guaranteed legacy bump.
  • The 'Flexible Cap' design means the current cap can renew lower in any future year, subject only to the contract's guaranteed minimum. The current headline is not contractually locked for the surrender term; the renewal-risk floor is what's guaranteed.

Not ideal for

Buyers who need a contractually guaranteed GLWB-rider withdrawal rate, want a shorter surrender commitment, expect a premium bonus to offset the long surrender term, or want a fully locked cap rather than a flexible one that resets year-to-year.

All crediting strategies

View rate listings (12 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 95% · 1-yr

Barclays Aries Index

Flexible Participation Rate · participation

10-yr surrender$100,000+

Par: 70% · 1-yr

Nasdaq-100 Volatility Control 12% Index

Flexible Participate Rate · participation

10-yr surrender$100,000+

Par: 65% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Flexible Participation Rate · participation

10-yr surrender$100,000+

Par: 55% · 1-yr

BlackRock U.S. Equity Bitcoin Balanced Risk 12% Index

Flexible Participation Rate · participation

10-yr surrender$100,000+

Cap: 9.25% · 1-yr

S&P 500 Index

Flexible Cap · cap

10-yr surrender$100,000+

Fixed: 4.5% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 95% · 1-yr

Barclays Aries Index

Flexible Participation Rate

$100,000+

Par: 70% · 1-yr

Nasdaq-100 Volatility Control 12% Index

Flexible Participate Rate

$100,000+

Par: 65% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Flexible Participation Rate

$100,000+

Par: 55% · 1-yr

BlackRock U.S. Equity Bitcoin Balanced Risk 12% Index

Flexible Participation Rate

$100,000+

Cap: 9.25% · 1-yr

S&P 500 Index

Flexible Cap

$100,000+

Fixed: 4.5% · 1-yr

Fixed Account

$100,000+

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Linked review

Momentum Growth review notes

A deep dive into Delaware Life Momentum Growth FIA—VersaGain, growth potential, risks, rates, and who this annuity is best for.

4/5Read review
Nikhil Bhauwala

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

2

Nursing home waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 1.00%

Strategy guarantee

Minimum guaranteed participation: 10.00%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

10%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

PLACEHOLDER-IMO_MG778BR_Brochure_-_Momentum_Growth_FIA.pdf

Confidence: highReviewed Apr 7, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA-
S&PA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Momentum Growth currently shows 6 distinct indexed or fixed crediting choices across 12 current rate listings, including S&P 500 Index, S&P 500 Dynamic Intraday TCA Index (USD) ER, and Nasdaq-100 Volatility Control 12% Index, with 2 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 9.25% cap
  • S&P 500 Dynamic Intraday TCA Index (USD) ER: 65% participation
  • Nasdaq-100 Volatility Control 12% Index: 70% participation

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as PLACEHOLDER-IMO_MG778BR_Brochure_-_Momentum_Growth_FIA.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

Get a personalized Momentum Growth illustration

See year-by-year projections for your specific age, premium, and income goals.

Get Free Report

Related Resources