Retirement Chapters 10®
Retirement Chapters 10® fixed index annuity can give you the security of principal protection, upside potential linked to the performance of the index(es) you choose, and tax-deferred growth.

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 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. They are insurance products designed to help you prepare for the future.
Like all our fixed index annuities (FIAs), Retirement Chapters 10® offers growth potential and principal protection—plus a choice of income options when you’re ready to retire.
5% Premium Bonus
Retirement Chapters 10® includes a 5% bonus paid on your first-year premiums. This bonus becomes fully vested after 10-years.
Ways to grow your savings: fixed account option and/or index-linked option(s)
Fixed rate
Payments allocated to this option will be credited with a fixed interest rate that is specified on the date the contract is effective. Each year, Delaware Life will declare new interest rates to reflect current conditions, but never less than a minimum guaranteed rate. If you want more certainty about the amount of interest that will be credited to your account value, this may be the choice for you.
S&P 500® Index
For those who want to earn interest based on the performance of a range of large U.S. businesses, this index is widely regarded as a premier benchmark for the domestic stock market. It contains stocks from 500 leading companies in various industries.
First Trust Capital Strength® Barclays 5% Index
The First Trust Capital Strength® Barclays 5% Index creates a diversified portfolio by combining U.S. stocks selected based on capital strength methodology with a portfolio of four Barclays U.S. Treasury futures indexes. The index seeks to enhance return and manage risk exposure by adjusting the portfolio’s asset allocation on a monthly basis using techniques from modern portfolio theory. It aims to maintain an annual volatility level at or below 5%, using a procedure called volatility control, to further control risk.
Momentum Asset Allocator 5.5% Volatility Control Index
This index, sponsored by Deutsche Bank and dynamically allocates exposure across equities, gold, interest rates and cash based on their trailing nine month performance, using a volatility control mechanism to help limit overall volatility.
More about Retirement Chapters 10®:
You may elect more than one strategy and on each contract anniversary, you may reallocate your account value among the options available at that time.
Ways to access your income:
Free/periodic withdrawals1
After the first contract year, you can withdraw up to the greater of 10% of the last anniversary value of your account or required minimum distributions (RMDs) with no surrender charges or market value adjustment (MVA). MVA is an adjustment to the account for changes in the interest rate credited to the contract since inception that is applied to withdrawals and surrenders that exceed the 10% free withdrawal amount during the first 10 contract years. The exceptions to paying the early withdrawal charges are:
- If you are required to take Required Minimum Distributions (RMDs) starting at age 72
- If, after first contract anniversary, you need to make a one-time withdrawal to pay for nursing home, hospice care or a terminal illness subject to restrictions
Surrender charges are paid on early withdrawals and surrenders based on a gradually decreasing schedule for each guarantee period year. Please see your product brochure or contract for more details about the 10-year surrender charge schedule.
MVA does not apply upon payment of a death benefit. MVA is subject to state availability and restrictions.
Withdrawals will reduce your future retirement earnings potential.
Minimum guaranteed surrender value
If you cash in or “surrender” your contract early (before the contract’s 10-year maturity date) you will be subject to surrender charges based on the 10-year surrender charge schedule. However, your contract’s Minimum Guaranteed Surrender Value (MGSV) will never be less than 87.5% of premiums paid, less any withdrawals and applicable withdrawal assessments, plus interest earned at the nonforfeiture rate stated in the contract. MGSV ends upon the annuity date or contract termination.
Annuity payments
When you transition to retirement, Retirement Chapters 10® gives you the flexibility to take income in the way that best suits your needs and goals. You can opt for annuity payments for a specified period or choose from several annuity payment options for you and your spouse (if you purchase a joint contract).
Other features:
Reallocation
You have the flexibility to reallocate your index strategies at the end of the crediting method term if your needs, goals or risk tolerance shift over time. With a range of choices, this also gives you the ability to diversify in changing markets.
Guaranteed death benefit
If you die before you begin receiving annuity income payments, Retirement Chapters 10® guarantees that your beneficiary will receive at least the account value (including all the interest you’ve earned and minus any withdrawals taken) and may avoid probate.2
Index-linked Options Sponsored by a Global Leader
Deutsche Bank
Founded in 1870 and headquartered in Frankfurt am Main, Germany, Deutsche Bank also offers the sales, trading and structuring of a wide range of financial markets’ products including index-based swaps, notes and certificates.
First Trust
At First Trust, their experience, history of innovation and diversity of offerings are all part of their mission and are the only way they know to become a trusted financial professional. Because they consider each financial professional and his or her customer integral to their business, and truly our most valuable investment, they are committed to their best interests. They provide exceptional resources that help financial professional define goals, solve problems and develop long-term strategies to help their clients achieve their dreams and goals. They believe that this kind of leadership will provide the most fundamentally sound investment products and financial professional support available in today’s marketplace.
More about Retirement Chapters 10®
Guaranteed principal to protect your retirement money
Unlike other retirement products, a fixed index annuity is not an investment in individual securities.