This chart is a hypothetical representation of fixed index annuity growth under varying market/index conditions and is not meant to represent the performance of any Delaware Life Insurance Company fixed index annuity (FIA) product. It does not reflect any potential withdrawals or associated surrender charges. Interest credited to a FIA is subject to caps, spreads and/or participation rates that affect the proportion of index gains the annuity captures. Account value is the sum of all premiums, plus accumulated interest, and minus the amount of any withdrawals. This is not a guarantee of performance and does not predict performance. Annuities do not participate directly in the stock market or any index. It is an insurance product designed to help you prepare for the future.

^* Guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company and are subject to product terms, exclusions and limitations.

Fixed index annuities are not securities and do not participate directly in the stock market or any index, and are not investments. It is not possible to invest directly in an index.

This is a hypothetical example of how tax deferral works, it does not show any specific product or performance. Actual tax rates will vary based on the tax payers particular situation. Actual performance will also vary and is not guaranteed. A lower maximum tax rate on capital gains and dividends would make returns for taxable investments more favorable, thereby reducing the difference in performance shown.