Delaware Life Pinnacle Plus – Predictable Growth with Flexibility and Protection
At Diversified Insurance Brokers, we specialize in helping individuals secure guaranteed growth, tax-deferred accumulation, and financial stability through customized annuity solutions. The Delaware Life Pinnacle Plus Multi-Year Guaranteed Annuity, issued by Delaware Life Insurance Company, provides a reliable and low-risk option for individuals seeking secure, predictable performance without market exposure.
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Guaranteed Interest for Long-Term Confidence
With guaranteed fixed interest rates available for 3, 5, 7, or 10 years, the Pinnacle Plus MYGA delivers dependable growth while preserving your principal. These interest rates are locked in for the full term, ensuring consistent, tax-deferred accumulation that helps build long-term financial confidence.
Liquidity Features That Give You Control
Even with a guaranteed rate, this annuity provides meaningful access to your funds:
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Penalty-free withdrawals of up to 10% annually, starting after year one
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Nursing home and terminal illness waivers, allowing you to access funds in qualifying medical situations
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A guaranteed death benefit, so your loved ones receive the full contract value without penalty
📌 Interested in seeing current multi-year guaranteed annuity rates?
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Flexible Options at the End of Your Term
When your chosen guarantee period ends, the Pinnacle Plus MYGA offers several options:
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Renew for another term
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Withdraw your funds without penalty
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Convert the balance into an income stream for retirement
This flexibility ensures the product can continue to support your needs even as your goals evolve.
Who Should Consider the Pinnacle Plus?
This product is well-suited for:
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Retirees seeking predictable, fixed growth with zero exposure to market risk
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Individuals with rollover funds looking for a safe place to park money with tax-deferred growth
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People who want some liquidity, without fully tying up their retirement savings
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Anyone planning for wealth transfer with built-in death benefit protection
Backed by a Strong, Stable Insurer
Delaware Life Insurance Company is recognized for its sound financial footing and disciplined investment management. Working with Diversified Insurance Brokers means you’ll receive expert, unbiased guidance in choosing annuity options backed by reliable carriers.
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 Pinnacle Plus
What is Delaware Life Pinnacle Plus?
Pinnacle Plus is a fixed indexed annuity designed to provide market-linked growth potential, principal protection, and options for guaranteed income through an optional income rider.
How does the annuity earn interest?
The contract credits interest based on chosen index strategies, such as participation-rate or cap-based methods, along with a fixed interest allocation. Index returns are credited when positive and never reduce the account value.
What index options are typically available?
Pinnacle Plus contracts often include diversified index options designed for stable accumulation opportunities, along with fixed interest alternatives for conservative allocation.
Does Pinnacle Plus offer lifetime income?
Yes. With the optional income rider, you can secure guaranteed lifetime withdrawals based on a benefit base that grows under the rider’s terms.
Are there rider fees?
Yes. The income rider generally includes an annual fee. This fee supports the guaranteed income features and is deducted from the contract’s accumulation value.
Is the principal protected?
Yes. As a fixed indexed annuity, Pinnacle Plus guarantees your principal and any credited interest, regardless of index performance.
Are penalty-free withdrawals allowed?
Most contracts allow annual penalty-free withdrawals up to the stated contract limit. Withdrawals beyond that limit may reduce benefits and could incur surrender charges.
Does the annuity include an MVA (Market Value Adjustment)?
Some versions may include an MVA that adjusts the surrender value if you withdraw more than the penalty-free amount during the surrender period, based on interest rate changes.
Can I use qualified funds like IRAs or 401(k) rollovers?
Yes. Pinnacle Plus is commonly available for both qualified and non-qualified funds, making it suitable for retirement rollovers and personal savings.
Who is Pinnacle Plus best for?
This product is a strong fit for individuals seeking a mix of safety, indexed growth opportunities, and optional guaranteed income without full market exposure.
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.
