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Fixed Indexed Annuity

PrimeStart Bonus 10

Delaware Life

7%

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

7% cap on S&P 500

A ten-year-surrender, bonus-bearing fixed indexed annuity from A-rated Delaware Life, built for index-linked accumulation with an upfront premium bonus and an optional fee-bearing 'Enhanced' tier that lifts caps and participation rates in exchange for an explicit strategy fee.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers committed to a full ten-year deferral who want an upfront premium bonus on their accumulation, are comfortable trading a lower base cap for that bonus, and may elect to pay an explicit strategy fee in exchange for higher Enhanced caps and participation rates.

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.

S&P 500

S&P 500 Index

7.65% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

7% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

9.15% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 4.5% declared rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 5.75% declared rate

Rate varies by premium band.

S&P 500

S&P 500 Index

35% participation rate

Rate varies by premium band.

S&P 500

S&P 500 Index

40% participation rate

Rate varies by premium band.

Fixed Account

Fixed Account

3.1% declared rate

Rate varies by premium band.

+ 12 volatility-controlled index options (S&P 500, Nasdaq-100 Intraday, Goldman Sachs...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Premium bonus is the core selling point of this filing — the 'PrimeStart Bonus 10' name signals an upfront credit on the contract value that offsets the long surrender commitment. Buyers should verify the bonus schedule, any vesting requirement, and how the bonus interacts with surrender charges in the brochure before purchase.
  • Buyers who are willing to pay an explicit strategy fee can elect 'Enhanced' versions of the crediting strategies, which post higher cap and participation rates than the base — a transparent fee-for-uplift trade-off that the product shows on the rate sheet rather than burying.
  • 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.
  • 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 — despite the marketing emphasis on retirement income that 'PrimeStart' branding can suggest. Do not compare its payout side-by-side with a rider-led income FIA.
  • The base S&P 500 annual point-to-point cap on this filing sits in the mid-single-digit range — meaningfully below most ten-year accumulation FIAs in the public catalog without a bonus. The premium bonus is doing the work; weigh the bonus against the cap drag before treating the bonus headline as a free uplift.
  • The 'Enhanced (with Fee)' crediting strategies carry an explicit annual strategy fee that is deducted whether the index returns are positive or negative. A buyer who elects Enhanced is paying for the higher caps and participation rates; in a down year that fee still applies. Treat the Enhanced rates as net-of-fee uplift, not a free bump.
  • 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 the bonus a buyer would actually keep if they exit early.

Not ideal for

Buyers who need a contractually guaranteed GLWB-rider withdrawal rate, want the highest available S&P 500 cap without a strategy fee, want a shorter surrender commitment, or are uncomfortable with the vesting/recapture provisions that typically accompany a bonused FIA.

All crediting strategies

View rate listings (39 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: 170% · 1-yr

Franklin SG Select Index

Participation Rate, Boost & Knockout (with Fee) · participation

10-yr surrender$100,000+

Par: 130% · 1-yr

Franklin SG Select Index

Participation Rate, Boost & Knockout · participation

10-yr surrender$100,000+

Par: 105% · 1-yr

Goldman Sachs Canopy Index

Enhanced (with Fee) · participation

10-yr surrender$100,000+

Par: 100% + Fixed: 4.5% · 1-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Par: 100% + Fixed: 5.75% · 1-yr

S&P 500 Index

Enhanced (with Fee) · trigger

10-yr surrender$100,000+

Par: 80% · 1-yr

Goldman Sachs Canopy Index

participation

10-yr surrender$100,000+

Par: 70% · 1-yr

First Trust Capital Strength Barclays 10% Index

Participation Rate & Volatility Limit · participation

10-yr surrender$100,000+

Par: 61% · 1-yr

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

Enhanced (with Fee) · participation

10-yr surrender$100,000+

Par: 60% · 1-yr

Nasdaq-100 Intraday Elite 15% Index

Enhanced (with Fee) · participation

10-yr surrender$100,000+

Par: 58% · 1-yr

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

Enhanced (with Fee) · participation

10-yr surrender$100,000+

Par: 47% · 1-yr

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

participation

10-yr surrender$100,000+

Par: 45% · 1-yr

Nasdaq-100 Intraday Elite 15% Index

participation

10-yr surrender$100,000+

Par: 45% · 1-yr

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

participation

10-yr surrender$100,000+

Par: 40% · 1-yr

S&P 500 Index

Enhanced (with Fee) · participation

10-yr surrender$100,000+

Par: 35% · 1-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Cap: 7.65% · 1-yr

S&P 500 Index

Enhanced (with Fee) · cap

10-yr surrender$100,000+

Cap: 5.5% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Fixed: 3.1% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 170% · 1-yr

Franklin SG Select Index

Participation Rate, Boost & Knockout (with Fee)

$100,000+

Par: 130% · 1-yr

Franklin SG Select Index

Participation Rate, Boost & Knockout

$100,000+

Par: 105% · 1-yr

Goldman Sachs Canopy Index

Enhanced (with Fee)

$100,000+

Par: 100% + Fixed: 4.5% · 1-yr

S&P 500 Index

$100,000+

Par: 100% + Fixed: 5.75% · 1-yr

S&P 500 Index

Enhanced (with Fee)

$100,000+

Par: 80% · 1-yr

Goldman Sachs Canopy Index

$100,000+

Par: 70% · 1-yr

First Trust Capital Strength Barclays 10% Index

Participation Rate & Volatility Limit

$100,000+

Par: 61% · 1-yr

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

Enhanced (with Fee)

$100,000+

Par: 60% · 1-yr

Nasdaq-100 Intraday Elite 15% Index

Enhanced (with Fee)

$100,000+

Par: 58% · 1-yr

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

Enhanced (with Fee)

$100,000+

Par: 47% · 1-yr

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

$100,000+

Par: 45% · 1-yr

Nasdaq-100 Intraday Elite 15% Index

$100,000+

Par: 45% · 1-yr

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

$100,000+

Par: 40% · 1-yr

S&P 500 Index

Enhanced (with Fee)

$100,000+

Par: 35% · 1-yr

S&P 500 Index

$100,000+

Cap: 9.15% · 1-yr

S&P 500 Index

With Precision Portfolio Enhanced (with fee)

$100,000+

Cap: 7.65% · 1-yr

S&P 500 Index

Enhanced (with Fee)

$100,000+

Cap: 7% · 1-yr

S&P 500 Index

With Precision Portfolio

$100,000+

Cap: 5.5% · 1-yr

S&P 500 Index

$100,000+

Fixed: 3.1% · 1-yr

Fixed Account

$100,000+

Par: 85% · 1-yr

First Trust Capital Strength Barclays 10% Index

Participation Rate & Voliatility Limit (with Fee)

Up to $99,999.99

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

10%

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: 0.25%

Strategy guarantee

Minimum guaranteed declared rate: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 1.00%

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

9%

Yr 2

8%

Yr 3

7.25%

Yr 4

6.5%

Yr 5

5.5%

Yr 6

4.75%

Yr 7

3.75%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

Brochure_-_FIA_-_PrimeStart_Bonus_10_Client.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

PrimeStart Bonus 10 currently shows 20 distinct indexed or fixed crediting choices across 39 current rate listings, including S&P 500 Index, with 8 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 Index: 7.65% cap
  • S&P 500 Index: 7% cap

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 Brochure_-_FIA_-_PrimeStart_Bonus_10_Client.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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