With TruePath Income™ you have the flexibility to choose the growth and lifetime income strategies that meet your unique needs.
Fixed Index Annuity
TruePath IncomeTM
Quick Access
TruePath Income™
Product Information
TruePath Income™ includes a Guaranteed Lifetime Withdrawal Benefit (GLWB) which offers two distinct income growth and distribution options that make it easy for investors to select a strategy aligned with their goals.
Product Snapshot
A quick-reference summary of contract terms, surrender charges, GLWB features, and withdrawal rules. Ideal for onboarding and appointment prep.
Rate Sheet
Current rates for all available crediting strategies, including cap rate, participation rate, and performance trigger options.
Product Brochure
An in-depth overview of how TruePath Income™ fixed index annuity works with visuals, client examples, and explanations of income strategies and index options.
Lifetime Income Reference Guide
Detailed withdrawal percentages by age, income strategy, and coverage type (single or joint) to help you calculate different income scenarios with clients.
Chronic Illness Income Multiplier Overview
See how the built-in Chronic Illness Income Multiplier works: including FAQs and Annual Withdrawal Amount (AWA) illustration.
TruePath Income™
Lifetime Income Flexibility
Choose an income growth strategy to provide income soon or income later
Select either level income or rising income distributions
Chronic Illness Income Multiplier provides additional income when it’s needed most
Allocation Choice
Build your own allocation using one or a combination of strategies
Select one of two Precision Portfolios: unique multi-index allocation strategies designed to diversify returns
TruePath Income™
Index and Crediting Strategies Information
TruePath Income™ allows investors to allocate their money to one or a combination of index strategies and crediting options. Or, choose one of two balanced and diversified multi-strategy Precision Portfolios.
Index Strategies
A quick look at how TruePath Income™ captures market growth through cap, participation, and performance trigger strategies.
Participation Rate
Breaks down how clients earn a percentage of the index’s positive return, with a simple chart to illustrate how interest is credited and how downside protection works.
Performance Trigger
Outlines how clients receive a guaranteed interest credit when the index return is positive—even slightly. Includes visuals to show how the trigger rate works in up and down markets.
Cap Rate
Explains how interest is credited up to a fixed cap when the index performs well, with examples that show how gains are calculated and when the cap applies.
TruePath Income™
Additional Information
Lifetime income flexibility
There’s no need to predict the future perfectly to build a strong retirement plan. TruePath Income™ with built in Guaranteed Lifetime Withdrawal Benefit (GLWB) gives clients dependable income for life—even if their account value hits zero. The GLWB offers accumulation flexibility—with strategies for income soon or income later, and distribution flexibility—to select either level income or rising income.
Income security and flexibility
Whether life unfolds as planned—or takes a turn—TruePath Income™ offers built-in adaptability. The GLWB’s Chronic Illness Income Multiplier* can help cover medical expenses by increasing the annual withdrawal amount by 200% for up to 5 years.
Smarter indexing, simply delivered
Access to world-class index strategies from S&P, Goldman Sachs, Franklin Templeton, and First Trust. Diversification is straightforward with Precision Portfolios, professionally designed index blends that help balance risk and return. Or advisors can build custom allocations using individual indexes and crediting strategies —all with downside protection.
Frequently Asked Questions
A fixed index annuity (FIA) is an insurance product designed to help you meet your long-term retirement needs. A FIA may help you:
Grow your money—earn interest based on the performance of the indexed-linked crediting options or fixed account.
Protect your money—lock in gains each year to protect your account value from market drops.
Convert your savings into retirement income, including income for life.
Annuities are long-term investment vehicles designed for retirement purposes. Their guarantees are backed by the financial strength and claims-paying ability of the insurance company that issues the annuity. As an informed consumer, you can research an insurer’s financial strength ratings—which gauge the claims-paying ability of an insurance company to meet its financial obligations to policy/contract holders. These agencies rate the financial strength of insurance companies on a regular basis— for example, A.M. Best Company, Fitch Ratings, and Standard and Poor's.
Your financial professional can help you decide if an annuity fits into your overall financial plan depending on your current portfolio, your short and long-term goals, plus your risk tolerance. Delaware Life Insurance Company does not provide individualized investment, legal, or tax advice. Please consult with your investment, legal, or tax professional before making any investment decisions.
You may be eligible for an early withdrawal of:
Up to 10% of the last contract anniversary account value, or
The required minimum distribution (RMD).
Both options are free of surrender charges and any applicable Market Value Adjustment (MVA). Please consult your financial professional for more information.
Some FIAs may offer riders or features at additional cost. Please consult your financial professional for more information.
TruePath Income™ Legal Disclosure
*Chronic Illness Income Multiplier is not available in California. Must meet eligibility requirements. See disclosure statement for more information.
All products and/or options may not be available in all states. Annuity contracts contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. Your licensed financial professional can provide you with complete details.Issued in most states on Contract Form Number ICC24-DLIC-FIA-MSP. Endorsements: ICC15-DLIC-MVAE, ICC15-DLIC-TIW-01, ICC15-DLIC-NHW-01, ICC24-DLIC-FIA-GLWB-L, ICC24-DLIC-FIA-GLWB-LB, ICC24-DLIC-FIA-GLWB-I, ICC24-DLIC-FIA-GLWB-IBPolicy and rider form numbers may vary by state.
TruePath Income™ is currently approved for sale in all states except NY, and in PR.