Delaware Life Retirement Stages Select Fixed Indexed Annuity – Growth with Principal Protection
At Diversified Insurance Brokers, we identify annuities that deliver both opportunity and safety. The Retirement Stages Select Fixed Indexed Annuity from Delaware Life exemplifies this approach by providing a multi-stage index crediting structure that adapts over time, offering growth linked to market performance—while protecting your principal.
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What makes Retirement Stages Select stand out:
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Multi-stage indexed crediting strategies that evolve over contract years to maximize returns
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Principal protection ensures your accumulation value never drops due to negative market movement
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Tax-deferred compounding for enhanced long-term growth
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Flexible entry points or budget tiers designed to match different stages of retirement planning
With the strength of Delaware Life behind it, this annuity is a compelling fit for clients who want growth tied to market benchmarks—without taking on risk. Through Diversified Insurance Brokers’ relationships with over 75 top-rated carriers, we can help identify if this product fits your investment timeline and risk preferences, and position it appropriately within your broader strategy.
Is Retirement Stages Select the right choice for structured growth and stability? We can help you decide.
Diversified Insurance Brokers partners with over 75 leading carriers, including Delaware Life. We’ll guide you through the contract stages, crediting methods, and how each phase aligns with your retirement goals.
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 Retirement Stages Select Annuity
What is the Delaware Life Retirement Stages Select annuity?
Retirement Stages Select is a flexible fixed indexed annuity designed to provide both growth potential and retirement income planning. It combines index-linked crediting and fixed interest strategies with optional income riders, giving contract owners a range of tools to meet long-term goals.
How does Retirement Stages Select earn interest?
Contract value can be allocated among multiple crediting strategies: index-linked segments (using caps, participation rates, or spreads) and a fixed-interest account. When the selected index performs well, you receive credited interest; if the index performs poorly, your principal and previously credited interest are protected from market loss.
Can I access my money before retirement?
Yes. Retirement Stages Select commonly allows a penalty-free withdrawal each contract year—typically a set percentage (e.g., 5–10%) of the account value—once the first contract year is complete. Withdrawals beyond that or full surrender during the surrender period may incur charges or adjustments.
Is there a lifetime income option?
Yes. The annuity offers an optional lifetime income benefit rider (for an additional fee) that creates a separate income benefit base. This rider allows you to turn your accumulation value into guaranteed income payments when you choose to begin withdrawals during retirement.
Is my principal protected from market downturns?
Yes. As a fixed indexed annuity, Retirement Stages Select shields your account from negative index performance. Your original premium and any credited interest will not be reduced by market losses—though withdrawals, rider fees, or surrender charges can affect the value.
What surrender charges apply?
The contract includes a surrender schedule that applies for a number of years (varies by issue age and contract version). If you withdraw more than the free-withdrawal allowance or surrender the annuity during that period, charges may apply and could include a market-value adjustment if applicable.
Can I reallocate between fixed and indexed strategies?
Yes. At each crediting period anniversary, you typically have the option to reallocate contract value among fixed and indexed strategies, allowing you to adjust the balance of growth potential and safety based on your current goals and market conditions.
Who is Retirement Stages Select best suited for?
This annuity is well suited for individuals seeking a balanced approach: those who want downside protection, flexibility in growth strategy, optional lifetime income, and the ability to access modest withdrawals while still building value 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.
