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Fixed Indexed Annuity

Momentum Growth Plus

Delaware Life

5.5%

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 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

5.5% cap on S&P 500

A ten-year-surrender fixed indexed annuity from A-rated Delaware Life, positioned as the 'Plus' tier above Momentum Growth, built for index-linked accumulation with a 'Flexible Cap' S&P 500 strategy plus the same curated proprietary participation benchmarks as the base filing.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers committed to a full ten-year deferral who want the Momentum Growth chassis with whatever feature uplift the 'Plus' tier provides (typically a premium bonus or higher participation rates), 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

5.5% cap rate

Rate varies by premium band.

Fixed Account

Fixed Account

3% 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

  • 'Plus' positioning in Delaware Life's accumulation lineup typically signals an uplifted feature set relative to the base Momentum Growth filing — buyers should verify the specific uplift (bonus, participation rate, or rider) against the brochure rather than assuming it from the name.
  • 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), so the buyer can choose between like-for-like cap comparison and higher-participation alternatives.
  • 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.
  • The 'Plus' uplift on this filing appears to come from a feature lever other than the S&P 500 cap (typically a premium bonus or participation-rate boost on the proprietary strategies). Buyers should not assume the cap headline is the differentiator versus the base Momentum Growth filing — read both rate sheets side-by-side and weigh whatever uplift the 'Plus' adds against any difference in the headline cap.
  • The ten-year surrender term sits at the long end of the FIA market. Premium bonuses on FIAs typically include vesting/recapture provisions tied to the full surrender schedule — verify in the brochure how much of any 'Plus' bonus a buyer would actually keep on early exit.
  • 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.

Not ideal for

Buyers who need a contractually guaranteed GLWB-rider withdrawal rate, want the highest available S&P 500 cap from this carrier (the base Momentum Growth and the 'Plus' tier post their caps on the same strategy — read both rate sheets), want a shorter surrender commitment, or are uncomfortable with the vesting/recapture provisions that typically accompany a 'Plus' bonus tier.

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: 80% · 1-yr

Barclays Aries Index

Flexible Participation Rate · participation

10-yr surrender$100,000+

Par: 58% · 1-yr

Nasdaq-100 Volatility Control 12% Index

Flexible Participation Rate · participation

10-yr surrender$100,000+

Par: 50% · 1-yr

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

Flexible Participation Rate · participation

10-yr surrender$100,000+

Par: 45% · 1-yr

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

Flexible Participation Rate · participation

10-yr surrender$100,000+

Cap: 5.5% · 1-yr

S&P 500 Index

Flexible Cap · cap

10-yr surrender$100,000+

Fixed: 3% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 80% · 1-yr

Barclays Aries Index

Flexible Participation Rate

$100,000+

Par: 58% · 1-yr

Nasdaq-100 Volatility Control 12% Index

Flexible Participation Rate

$100,000+

Par: 50% · 1-yr

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

Flexible Participation Rate

$100,000+

Par: 45% · 1-yr

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

Flexible Participation Rate

$100,000+

Cap: 5.5% · 1-yr

S&P 500 Index

Flexible Cap

$100,000+

Fixed: 3% · 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.

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

Premium bonus

15%

Bonus terms can vary by state, premium band, and rider election.

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

product guide

PLACEHOLDER-IMO_MGP782BR_Brochure_-_Momentum_Growth_Plus.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 Plus 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: 5.5% cap
  • S&P 500 Dynamic Intraday TCA Index (USD) ER: 50% participation
  • Nasdaq-100 Volatility Control 12% Index: 58% 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_MGP782BR_Brochure_-_Momentum_Growth_Plus.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

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