Delaware Life PrimeStart Bonus Annuity – Market Growth, 10% Bonus, and Lock-In Protection
A Bonus-Driven Fixed Index Annuity Built for Growth
At Diversified Insurance Brokers, we specialize in helping clients capture long-term market growth without risking their principal. The Delaware Life PrimeStart Bonus 10 Fixed Index Annuity stands out by offering not only downside protection and tax-deferred growth—but also powerful accumulation features you won’t find in most annuities.
Between the 10% premium bonus, lowest starting index value, and flex-lock interest strategy, this annuity is well-equipped to help clients secure early gains while building a lasting income foundation
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Boost Your Account Immediately with a 10% Bonus
One of the headline features of the PrimeStart Bonus 10 is the 10% premium bonus, applied to all premium payments made within the first 60 days of the contract. This immediate boost increases the contract’s value right out of the gate—giving your retirement dollars a strong head start.
Additionally, growth is tax-deferred, allowing you to compound gains over time without immediate taxation.
If you’re considering this product and want to see how it compares with other high-bonus or income-focused annuities, complete our quick annuity quote request form to receive a personalized comparison.
Index Strategies with Built-In Advantage
The PrimeStart Bonus 10 includes multiple index crediting options, giving you exposure to major indexes without the risk of market losses:
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S&P 500® Index (excluding dividends)
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Goldman Sachs Canopy Index
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First Trust Capital Strength Barclays 10% Index
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Franklin SG Select Index
What makes this contract even more unique is the Lowest Starting Index Value feature, which calculates index performance from the lowest daily value during the first 90 days. This can help protect against poor market timing and provide a stronger base for future index performance.
You also get access to the Flex-Lock Index Account, which allows you to lock in index rates at the time of contract issue and hold them for the full surrender period—giving you rate stability over the life of the contract.
Liquidity and Protection Benefits
After the first contract year, you can withdraw up to 10% of the contract value annually without penalties. The product also includes:
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Nursing Home Waiver
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Terminal Illness Waiver
These features provide peace of mind and flexibility should your financial situation change due to health reasons.
At death, beneficiaries receive the full accumulation value without surrender charges, ensuring a clean and efficient transfer of wealth.
Who This Annuity May Be a Good Fit For
The Delaware Life PrimeStart Bonus 10 Annuity is ideal for:
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Individuals who want market-linked growth without risking principal
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Clients looking for an immediate 10% premium bonus to boost retirement savings
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People concerned about market timing, who want the lowest index value start for performance tracking
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Savers who value rate lock strategies for long-term growth predictability
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Retirees and pre-retirees who want tax-deferred accumulation, plus access to funds if needed
It’s a great solution for both qualified and non-qualified assets and works well in rollovers, transfers, or repositioning existing safe-money holdings.
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.
Schedule here:
calendly.com/jason-dibcompanies/diversified-quotes
Licensed in all 50 states • Fiduciary, family-owned since 1980
FAQs: Delaware Life PrimeStart Bonus Annuity
What is the Delaware Life PrimeStart Bonus Annuity?
PrimeStart Bonus is a fixed indexed annuity designed for long-term accumulation. It includes an upfront bonus that boosts early account value, along with index-linked crediting strategies that aim to provide protected growth without market downside risk.
How does the bonus feature enhance the contract?
The upfront bonus is added to your accumulation value when the contract is issued. This boost helps amplify early growth potential. The bonus is often subject to vesting schedules, and withdrawing early may reduce or forfeit bonus credits.
Does the bonus also apply to the income value?
Depending on the specific version and optional riders selected, the bonus may enhance the income base as well. Some versions apply the bonus only to the accumulation value. It’s important to verify how each value receives credit before selecting income options.
How does interest get credited?
Interest is credited based on the performance of chosen index strategies. These strategies may use participation rates, spreads, or point-to-point methods to determine credited interest. Even if an index declines, credited interest cannot be negative.
Are there fixed-rate crediting choices?
Yes. PrimeStart Bonus typically includes a fixed-interest allocation option, giving savers the ability to combine guaranteed interest with index-based crediting for diversification and stability.
How much liquidity is available during the surrender period?
The contract typically allows an annual penalty-free withdrawal of a small percentage of your account value. Withdrawals above this amount, or surrendering the contract early, may incur surrender charges and could impact bonus vesting.
Can PrimeStart Bonus be funded with retirement rollovers?
Yes. The annuity generally accepts rollovers and transfers from IRAs and employer retirement plans. Many savers use it when repositioning retirement funds into a protected annuity structure, similar to the steps outlined in our TSP transfer guide.
Does this annuity include lifetime income options?
While PrimeStart Bonus is primarily geared toward accumulation, it can provide income through annuitization or optional income riders if available. Lifetime income features vary by version and state approval.
What happens after the surrender period ends?
After the surrender period, the contract becomes fully liquid. You can withdraw funds, renew into a different allocation, or transition to another annuity product. Many view this point as a natural time to reassess their retirement income strategy.
Who is Delaware Life PrimeStart Bonus best suited for?
This annuity is ideal for long-term savers who want principal protection, enhanced early value through a bonus, and access to a broad set of index-crediting choices. It suits those who are comfortable with a multi-year commitment in exchange for stronger accumulation potential.
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.
Schedule here:
calendly.com/jason-dibcompanies/diversified-quotes
Licensed in all 50 states • Fiduciary, family-owned since 1980
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.
