Delaware Life DualTrack Income Fixed Indexed Annuity – Two Income Paths. One Powerful Outcome
At Diversified Insurance Brokers, we specialize in helping retirees create secure, customized income strategies for the future. One of the most innovative options available today is the Delaware Life DualTrack Income Fixed Indexed Annuity—a product designed for individuals who want to grow income with both guarantees and market-linked potential.
This annuity takes the guesswork out of retirement planning by offering two powerful growth paths and automatically giving you the better result. With strong upside potential and built-in income guarantees, the DualTrack Income Annuity is a great solution for those looking to maximize lifetime income without exposing their savings to market losses.
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Dual-Track Income Base: Choose Security or Performance
The standout feature of this annuity is its Dual-Track Income Base:
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Track One: A 9% compound roll-up for up to 10 years, offering steady, predictable income base growth.
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Track Two: A performance-based track using a 150% interest multiplier—tying income growth to market performance.
At the end of years 5 and 10, Delaware Life automatically locks in the higher value from the two tracks for your lifetime income. This means you’re always positioned for the best outcome, whether the market performs well or not.
Growth Strategies with Built-In Protection
The Delaware Life DualTrack Income Annuity offers access to high-performing index strategies:
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S&P 500®
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Nasdaq-100 VC 12% Index
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Barclays Aries Index
Each index option comes with a 0% floor, protecting your account from market downturns while allowing for upside participation. Starting in year two, you can also access penalty-free withdrawals of up to 10% annually.
Guaranteed Income with Extra Flexibility
This annuity includes a Guaranteed Lifetime Withdrawal Benefit (GLWB) that ensures income you can never outlive. Additional features include:
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Chronic illness income multiplier – Doubles income for up to 5 years at no extra cost
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Terminal illness and nursing home waivers
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Required Minimum Distribution (RMD) friendly withdrawals
These benefits make the annuity not only powerful for income planning, but also highly flexible in the face of unexpected health or financial needs.
Get Expert Help from Diversified Insurance Brokers
At Diversified Insurance Brokers, we help clients compare products and customize annuity strategies based on real retirement needs. The Delaware Life DualTrack Income Annuity stands out as one of the best tools for creating flexible, reliable income that grows with your goals.
Let our team walk you through how this annuity can work in your retirement strategy.
Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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FAQs: Delaware Life DualTrack Income
What is the Delaware Life DualTrack Income annuity?
Delaware Life DualTrack Income is a fixed indexed annuity designed to offer both accumulation potential and guaranteed lifetime income through its optional income rider. It provides market-linked growth with downside protection and structured income features for retirement planning.
How does the DualTrack Income annuity grow my account?
Growth comes from fixed and indexed crediting strategies tied to external market indices. These strategies use caps, participation rates, or spreads to determine credited interest. Even when the market declines, your principal is protected from market losses.
What makes the income rider unique?
The optional income rider offers two growth paths—one for guaranteed income and another for accumulation value—allowing you to track both and choose when to activate lifetime payouts. The rider is available for an additional cost.
Does the annuity offer penalty-free withdrawals?
Yes. The DualTrack Income annuity typically allows annual penalty-free withdrawals up to a certain percentage of the contract value, beginning after the first contract year, though specific provisions may vary by state.
Is my money protected from market losses?
Yes. Even when indexed strategies perform poorly, your principal and previously credited interest are protected from market downturns. Only rider fees or withdrawals can reduce values.
Are there lifetime income options?
Yes. When you activate the income rider, it provides guaranteed lifetime withdrawals for one or two lives, offering predictable income throughout retirement.
What is the surrender charge period?
The Delaware Life DualTrack Income annuity generally includes a surrender schedule lasting several years. Withdrawals above the penalty-free amount during this period may incur surrender charges and possible market value adjustments.
Who is the DualTrack Income annuity best suited for?
This product may be a strong fit for individuals seeking protected growth combined with flexible lifetime income options, especially those who want downside protection and a structured income plan for retirement.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
