Delaware Life Momentum Growth Fixed Indexed Annuity – Flexible Growth, VersaGain Customization, and Principal Protection
At Diversified Insurance Brokers, we work with families across the country to secure personalized annuity strategies that balance growth, protection, and flexibility. The Delaware Life Momentum Growth Fixed Indexed Annuity, issued by Delaware Life Insurance Company, is a unique product designed for individuals who want market participation without risking their principal—and who value control over how their retirement savings are allocated.
Whether you’re rolling over a retirement account or investing non-qualified funds, this annuity offers features that support your long-term financial goals.
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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:
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S&P 500 Dynamic Intraday TCA Index
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Barclays Aries Index
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Nasdaq-100 Volatility Control 12% Index
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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Clients should understand the Market Value Adjustment (MVA) provision, which may apply if funds are withdrawn beyond the free withdrawal limit during the surrender period.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:
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Want to grow retirement savings without market risk
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Value the ability to customize investment allocations
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Need liquidity with penalty-free access to funds
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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.
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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Licensed in all 50 states • Fiduciary, family-owned since 1980
FAQs: Delaware Life Momentum Growth
What is the Delaware Life Momentum Growth Annuity?
It is a fixed indexed annuity built for accumulation, offering index-linked growth potential and guaranteed protection from market losses.
What makes Momentum Growth different from standard FIAs?
The product focuses on competitive participation-based strategies, giving contract owners more direct exposure to index growth compared to cap-style products.
Which indexes are available?
Depending on state and distribution channel, Momentum Growth may offer multiple custom or proprietary indexes along with a traditional benchmark index option.
Does the annuity offer a fixed account?
Yes. A fixed account option is typically included for conservative growth or diversification within the contract.
Are penalty-free withdrawals available?
Most versions allow annual penalty-free access to a portion of the account value, usually after the first contract year.
Is there a market value adjustment (MVA)?
Momentum Growth contracts often include an MVA feature that may adjust surrender values when taking early withdrawals.
Are income riders available?
This product is primarily designed for accumulation, but optional income riders may be available depending on the version and approval in your state.
What surrender charge periods are offered?
The annuity is typically available in multiple surrender periods, often between 7 and 10 years depending on state availability.
Can I reallocate among strategies each year?
Yes. Allocation changes usually occur at each contract anniversary, giving you flexibility to adapt your strategy.
Who is Momentum Growth best suited for?
It is ideal for individuals who want competitive index-based accumulation, full principal protection, and flexibility in choosing growth strategies.
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.
