Flexible Growth Potential with VersaGain™

What sets the Momentum Growth annuity apart is VersaGain™, an innovative tool that allows you to personalize how your annuity reacts to market conditions. This feature lets you fine-tune your exposure to various index crediting strategies based on your own risk tolerance, giving you more control over performance.

You can choose from multiple well-known indexes, including:

• S&P 500 Dynamic Intraday TCA Index

• Barclays Aries Index

• Nasdaq-100 Volatility Control 12% Index

• Fixed interest rate option

These options allow for diversified market participation with downside protection. And thanks to the built-in principal protection, your original premium is never at risk due to market declines.

Access to Funds and Liquidity Options

The annuity provides penalty-free withdrawals of up to 10% of total premium payments after the first year, helping you maintain access to funds without interrupting long-term growth. For added peace of mind, the product also includes withdrawal charge waivers in the event of terminal illness or nursing home confinement.

Clients should understand the Market Value Adjustment (MVA) provision, which may apply if funds are withdrawn beyond the free withdrawal limit during the surrender period. The surrender charge schedule is built to accommodate a range of retirement timelines and financial plans.

Death Benefit and Income Flexibility

Should the policyholder pass away during the contract period, beneficiaries receive the greater of the contract’s accumulation value or surrender value—offering reassurance that your assets will be protected and passed on.

While this annuity does not include a guaranteed income rider by default, it does allow for annuitization at the end of the term, giving you the option to convert your accumulation into a stream of retirement income if desired.

Strong Financial Backing from Delaware Life

Delaware Life Insurance Company has built a reputation for delivering innovative annuity solutions backed by disciplined investment management. Their Momentum Growth annuity is no exception. With a focus on long-term policyholder success, Delaware Life continues to provide retirement products that adapt to evolving investor needs.

To see how Delaware Life compares to other carriers, visit our Annuity Rate Page.

Is This Annuity a Good Fit for You?

The Delaware Life Momentum Growth Annuity is ideal for individuals who:

• Want to grow retirement savings without market risk

• Value the ability to customize investment allocations

• Need liquidity with penalty-free access to funds

• Prefer to leave a guaranteed legacy for beneficiaries

This product is especially appealing for pre-retirees and conservative investors who are transitioning out of riskier portfolios and into more stable, protected growth options.

If you’re unsure whether this annuity fits your retirement income strategy, our team at Diversified Insurance Brokers is here to help.

Contact Us Today: Discover if the Momentum Growth annuity aligns with your retirement strategy.
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