Annuity rate data updated daily

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

Fixed Indexed Annuity

TruePath Income

Delaware Life

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.

Guaranteed lifetime withdrawal rate (10-year deferral, single life, Build Strategy Rising Income)

2.9% lifetime payout

A ten-year-surrender, income-rider-led fixed indexed annuity from A-rated Delaware Life, built to deliver a Guaranteed Lifetime Withdrawal Benefit payout with the buyer choosing between Build/Ready chassis and Rising/Level income designs, posting top-of-shelf 10-year-deferral rider rates.

1.2% annual rider feeRMD-friendly income ridersAdvisorWorld + CANNEX data

Best fit

Buyers who want a contractually guaranteed lifetime income stream, are willing to wait the full ten-year deferral to realize the headline rider rate, and value the ability to pick between higher initial income (Ready/Level) and rising income with post-issue step-ups (Build/Rising) rather than being locked into a single design.

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% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 4.6% declared rate

Rate varies by premium band.

S&P 500

S&P 500 Index

32% participation rate

Rate varies by premium band.

Fixed Account

Fixed Account

3.1% declared rate

Rate varies by premium band.

+ 6 volatility-controlled index options (S&P 500, Nasdaq-100 Intraday, Goldman Sachs...)

Lifetime Income Riders

Income rider

Guaranteed Withdrawal Benefit- Build Strategy;Rising Income

RMD friendly
Lifetime payout rate2.9% lifetime payout
Annual rider fee1.2% annual rider fee

Income rider

Guaranteed Withdrawal Benefit- Ready Strategy; Income

RMD friendly
Lifetime payout rate2.9% lifetime payout
Annual rider fee1.2% annual rider fee

Income rider

Guaranteed Withdrawal Benefit- Build Strategy; Income

RMD friendly
Lifetime payout rate2.75% lifetime payout
Annual rider fee1.2% annual rider fee

Income rider

Guaranteed Withdrawal Benefit- Ready Strategy; Rising Income

RMD friendly
Lifetime payout rate2.75% lifetime payout
Annual rider fee1.2% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • Buyer chooses between four named GLWB rider variants — Build Strategy Rising Income, Build Strategy Level Income, Ready Strategy Rising Income, and Ready Strategy Level Income — so the income design fits buyer preference for higher initial income (Ready / Level) vs lower initial income with post-issue step-ups (Build / Rising) rather than locking everyone into one design.
  • Top-tier 10-year-deferral single-life payout rates are among the strongest in Delaware Life's income lineup — read the headline rate on this page alongside the carrier's DualTrack Income and Target Income Choice product pages to compare at the same deferral and life-coverage tier.
  • RMD-friendly rider design — the rider supports IRS Required Minimum Distribution withdrawals without forfeiting the lifetime payout guarantee, which matters for qualified-account funding.
  • 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.

What to confirm

  • The GLWB rider carries an explicit annual fee deducted from the contract value whether the index returns are positive or negative. The headline withdrawal rate is the rate the rider pays; the rider fee is the price the buyer pays for that guarantee. Compare net-of-fee against any rival income FIA.
  • The headline rate is the top-of-shelf 'Build Strategy Rising Income' single-life tier at the full 10-year deferral. A buyer who turns the rider on earlier, picks a Ready or Level variant, or elects joint-life coverage will see a materially lower rate. The full rider menu spans a wide range of tier-specific rates on this filing — read the tier match on the page's rider table before treating the headline as universal.
  • The ten-year surrender term sits at the long end of the FIA market. The income-rider value proposition assumes the buyer holds through the surrender ladder; an early exit forfeits the rider entirely.
  • Minimum issue age on the rider is 55, so this filing is not the right fit for a buyer who needs to start lifetime income before age 55. The Build / Rising variant trades lower initial income for post-issue step-ups — buyers should run a side-by-side income projection against the Ready / Level variant to confirm the Build/Rising design pays back in their realistic deferral window.

Not ideal for

Buyers who want index-linked accumulation rather than a rider payout, need to start lifetime income before age 55, can't commit to the full ten-year surrender to realize the rider's headline, or don't want to evaluate the trade-off between four named rider variants before purchase.

All crediting strategies

View rate listings (20 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: 122% · 1-yr

Franklin SG Select Index

Participation Rate, Boost & Knockout · participation

10-yr surrender$100,000+

Par: 100% + Fixed: 4.6% · 1-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Par: 75% · 1-yr

Goldman Sachs Canopy Index

participation

10-yr surrender$100,000+

Par: 65% · 1-yr

First Trust Capital Strength Barclays 10% Index

Participation Rate & Volatility Limit · participation

10-yr surrender$100,000+

Par: 45% · 1-yr

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

participation

10-yr surrender$100,000+

Par: 43% · 1-yr

Nasdaq-100 Intraday Elite 15% Index

participation

10-yr surrender$100,000+

Par: 40% · 1-yr

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

participation

10-yr surrender$100,000+

Par: 32% · 1-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Cap: 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: 122% · 1-yr

Franklin SG Select Index

Participation Rate, Boost & Knockout

$100,000+

Par: 100% + Fixed: 4.6% · 1-yr

S&P 500 Index

$100,000+

Par: 75% · 1-yr

Goldman Sachs Canopy Index

$100,000+

Par: 65% · 1-yr

First Trust Capital Strength Barclays 10% Index

Participation Rate & Volatility Limit

$100,000+

Par: 45% · 1-yr

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

$100,000+

Par: 43% · 1-yr

Nasdaq-100 Intraday Elite 15% Index

$100,000+

Par: 40% · 1-yr

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

$100,000+

Par: 32% · 1-yr

S&P 500 Index

$100,000+

Cap: 5% · 1-yr

S&P 500 Index

$100,000+

Fixed: 3.1% · 1-yr

Fixed Account

$100,000+

Income riders

Income rider

Guaranteed Lifetime Withdrawal Benefit- Build Strategy;Rising Income

RMD friendly
Lifetime withdrawal rate2.9%
Annual rider fee1.2%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age55 — 100

GLWB

Income rider

Guaranteed Lifetime Withdrawal Benefit- Ready Strategy;Level Income

RMD friendly
Lifetime withdrawal rate2.9%
Annual rider fee1.2%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age55 — 100

GLWB

Income rider

Guaranteed Lifetime Withdrawal Benefit- Build Strategy;Level Income

RMD friendly
Lifetime withdrawal rate2.75%
Annual rider fee1.2%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age55 — 100

GLWB

Income rider

Guaranteed Lifetime Withdrawal Benefit- Ready Strategy; Rising Income

RMD friendly
Lifetime withdrawal rate2.75%
Annual rider fee1.2%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age55 — 100

GLWB

Income rider

Guaranteed Lifetime Withdrawal Benefit- Ready Strategy;Level Income

RMD friendly
Lifetime withdrawal rate2.4%
Annual rider fee1.2%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age55 — 100

GLWB

Income rider

Guaranteed Lifetime Withdrawal Benefit- Build Strategy;Rising Income

RMD friendly
Lifetime withdrawal rate2.4%
Annual rider fee1.2%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age55 — 100

GLWB

Income rider

Guaranteed Lifetime Withdrawal Benefit- Ready Strategy; Rising Income

RMD friendly
Lifetime withdrawal rate2.25%
Annual rider fee1.2%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age55 — 100

GLWB

Income rider

Guaranteed Lifetime Withdrawal Benefit- Build Strategy;Level Income

RMD friendly
Lifetime withdrawal rate2.25%
Annual rider fee1.2%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age55 — 100

GLWB

Linked review

TruePath Income review notes

Deep review of TruePath Income FIA: crediting options, GLWB Ready vs Build, withdrawals, waivers, costs, pros/cons, insurer overview.

4.5/5Read 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

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

Brochure_-_TruePath_Income_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

TruePath Income currently shows 10 distinct indexed or fixed crediting choices across 20 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: 5% cap
  • S&P 500 Index: 100% participation
  • S&P 500 Index: 32% participation

Income rider language

What to look for before treating the rider as income

Guaranteed Lifetime Withdrawal Benefit- Build Strategy;Rising Income is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 2.9% withdrawal rate
  • 1.2% rider fee
  • RMD friendly

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_-_TruePath_Income_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

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