Delaware Life Momentum Growth Plus – Lock in Growth with Flexibility and Control
At Diversified Insurance Brokers, we guide clients toward annuity solutions that offer the right mix of growth, protection, and long-term flexibility. One of the most powerful options for retirement-focused investors is the Delaware Life Momentum Growth Plus Fixed Indexed Annuity, issued by Delaware Life Insurance Company
This annuity delivers enhanced growth opportunities through a 13% premium bonus, a broad range of index strategies, and innovative control features that allow you to capture and protect gains—on your terms.
If you’re seeking to grow your retirement income while managing risk, this product is worth serious consideration.
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Boost Your Income with a 13% Premium Bonus
The 13% premium bonus offered by the Momentum Growth Plus is a standout feature—especially for investors looking to maximize future income. This bonus vests over time and is applied to your benefit base, giving you an immediate head start toward long-term income accumulation.
Even better, you can request a personalized quote now using our Annuity Quote Request Form:
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Powerful Index Options with Custom Control
This annuity offers access to a variety of index crediting strategies tied to:
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S&P 500
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Barclays Aries Index
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Nasdaq-100 VC 12%
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Dynamic Intraday TCA Index
What makes this annuity truly unique is the VersaGain™ feature, which lets you control how much of your gains to lock in annually—choosing from 0%, 50%, or 100%. You also have index lock capabilities, meaning you can capture growth at any point in the crediting period instead of waiting until year-end.
These features allow for highly customized growth management and downside protection, all while benefiting from tax-deferred accumulation.
Liquidity, Waivers, and Income Options
The Momentum Growth Plus offers flexible access to your money, including:
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10% penalty-free withdrawal of premium in year one
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10% of account value or RMDs annually after the first year
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Nursing home confinement and terminal illness waivers for added protection
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A range of lifetime income options, including enhanced death benefit provisions
This ensures you’re not only building your income base, but also maintaining access and flexibility in retirement.
A Partner You Can Trust
The product is issued by Delaware Life Insurance Company, known for its financial strength and innovation in annuity design. And when you work with Diversified Insurance Brokers, you receive expert support from advisors who prioritize your goals—not product quotas.
If you’re ready to take control of your retirement with a flexible, bonus-rich annuity, the Delaware Life Momentum Growth Plus may be your ideal solution.
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 Momentum Growth Plus
What is the Momentum Growth Plus annuity?
Momentum Growth Plus is a fixed indexed annuity that combines index-linked growth potential with downside protection, offering an enhanced version of the standard Momentum Growth product with possibly higher crediting rates or bonus credit features depending on the contract.
How does interest get credited in the “Plus” version?
The “Plus” version typically includes participation-rate or spread-based index strategies, and may feature more aggressive crediting terms compared to a standard FIA. Interest is credited only when the selected index performs positively — your contract value will not decrease if the index drops.
Is there a fixed-rate option within Momentum Growth Plus?
Yes — the contract usually offers a fixed-interest allocation alongside indexed options. This gives you a choice between stable growth or index-linked upside within the same annuity.
Are there penalty-free withdrawals each year?
Most versions allow an annual penalty-free withdrawal up to a defined percentage or dollar amount, typically starting after the first contract year. Attempting to withdraw more or surrender early may incur charges.
Does Momentum Growth Plus include a market value adjustment (MVA)?
In many cases, yes. If your contract includes an MVA, surrendering early or withdrawing beyond permitted amounts may increase or reduce the value depending on interest-rate conditions at the time.
Can I add a lifetime income rider?
Depending on state availability and the particular version of Momentum Growth Plus, optional lifetime income riders may be offered, allowing you to convert accumulated value into a guaranteed income stream later.
Is my principal protected if the market performs poorly?
Yes. As a fixed indexed annuity, your premium and credited interest are protected. Index losses do not reduce the contract value — they simply result in zero indexed credit for that period.
Are contributions via IRAs or rollovers eligible?
Yes. Momentum Growth Plus may be funded with qualified retirement funds (such as IRA or 401(k) rollovers) or with non-qualified money, depending on your preference and account requirements.
What happens at the end of the surrender period?
Once the surrender period ends, you typically gain full liquidity — you can withdraw the full account value without surrender charges, renew the annuity, or move the funds to another strategy.
Who is Momentum Growth Plus best suited for?
This annuity is best for savers seeking a combination of safer principal protection, potential indexed-growth upside, and flexibility — including optional income and the ability to allocate between fixed and indexed 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.
