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Fixed Indexed Annuity

Retirement Stages Select

Delaware Life

10.4%

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

10.4% cap on S&P 500

A seven-year-surrender fixed indexed annuity from A-rated Delaware Life, built for index-linked accumulation across cap and participation strategies on the S&P 500 plus a mix of proprietary volatility-controlled benchmarks, with no income rider and no premium bonus.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers who want a mid-length seven-year deferral with index-linked accumulation, value a broad menu of proprietary volatility-controlled benchmarks alongside the S&P 500, and don't need a guaranteed lifetime-income rider built into the contract.

AM Best

A- Excellent

Surrender period

7 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

8.9% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

10.4% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 6.95% declared rate

Rate varies by premium band.

S&P 500

S&P 500 Index

48% participation rate

Rate varies by premium band.

Fixed Account

Fixed Account

4.5% declared rate

Rate varies by premium band.

+ 6 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

  • Seven-year surrender term gives buyers a mid-length deferral choice from Delaware Life — shorter than the carrier's ten-year accumulation filings without dropping into a true short-surrender product.
  • 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 spans the recognizable S&P 500 alongside several proprietary volatility-controlled options (Goldman Sachs Canopy, Franklin SG Select, First Trust Capital Strength Barclays, BlackRock U.S. Equity Bitcoin Balanced Risk, Nasdaq-100 Intraday Elite, 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 seven-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.
  • 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 S&P 500 annual point-to-point cap on this filing sits in the high-single-digit range, lower than several competing seven-year accumulation FIAs in the public catalog. Compare the like-for-like cap before treating the proprietary-index participation rates as an offset.
  • Several of the listed indexes are proprietary volatility-controlled benchmarks. Participation rates on these strategies can look high in absolute terms but are not directly comparable to an uncontrolled S&P 500 cap, and caps and participation rates can reset down over the seven-year surrender term, with the buyer carrying that renewal risk for the full term.

Not ideal for

Buyers who need a contractually guaranteed GLWB-rider withdrawal rate, want a higher S&P 500 cap, expect a premium bonus to offset the surrender commitment, or want a death-benefit roll-up beyond the standard contract value.

All crediting strategies

View rate listings (21 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 · participation

7-yr surrender$100,000+

Par: 105% · 1-yr

Goldman Sachs Canopy Index

participation

7-yr surrender$100,000+

Par: 100% + Fixed: 6.95% · 1-yr

S&P 500 Index

trigger

7-yr surrender$100,000+

Par: 90% · 1-yr

First Trust Capital Strength Barclays 10% Index

Participation Rate & Volatility Limit · participation

7-yr surrender$100,000+

Par: 70% · 1-yr

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

participation

7-yr surrender$100,000+

Par: 70% · 1-yr

Nasdaq-100 Intraday Elite 15% Index

participation

7-yr surrender$100,000+

Par: 65% · 1-yr

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

participation

7-yr surrender$100,000+

Par: 48% · 1-yr

S&P 500 Index

participation

7-yr surrender$100,000+

Cap: 8.9% · 1-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Fixed: 4.5% · 1-yr

Fixed Account

fixed

7-yr surrender$100,000+

Par: 170% · 1-yr

Franklin SG Select Index

Participation Rate, Boost & Knockout

$100,000+

Par: 105% · 1-yr

Goldman Sachs Canopy Index

$100,000+

Par: 100% + Fixed: 6.95% · 1-yr

S&P 500 Index

$100,000+

Par: 90% · 1-yr

First Trust Capital Strength Barclays 10% Index

Participation Rate & Volatility Limit

$100,000+

Par: 70% · 1-yr

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

$100,000+

Par: 70% · 1-yr

Nasdaq-100 Intraday Elite 15% Index

$100,000+

Par: 65% · 1-yr

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

$100,000+

Par: 48% · 1-yr

S&P 500 Index

$100,000+

Cap: 10.4% · 1-yr

S&P 500 Index

With Precision Portfolio

$100,000+

Cap: 8.9% · 1-yr

S&P 500 Index

$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

Retirement Stages Select review notes

Discover Delaware Retirement Stages Select, a growth-focused fixed indexed annuity with principal protection and competitive rates.

3.5/5Read 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: 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

8%

Yr 2

7%

Yr 3

6%

Yr 4

5%

Yr 5

4%

Yr 6

3%

Yr 7

2%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

Retirement_Stages_Select_Brochure.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

Retirement Stages Select currently shows 11 distinct indexed or fixed crediting choices across 21 current rate listings, including S&P 500 Index and S&P 500 Dynamic Intraday TCA Index (USD) ER, with 4 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: 8.9% cap
  • S&P 500 Index: 10.4% cap
  • S&P 500 Index: 100% 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
  • 7 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 Retirement_Stages_Select_Brochure.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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