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Retirement Stages Select 5

The Retirement Stages Select 5 Annuity is a true friend for all retirees. With its exceptional security and guaranteed income, you'll feel a sense of relief knowing your finances are secure during your golden years.

Benefits highlighted in the product brochure include protection from market downturns and regular, reliable income for life. These make Retirement Stages Select 5 a solid choice for your future planning!

Retirement Stages Select 5

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About Product

Type

Fixed Index

Purpose

Accumulation

Term

5 Years

Surrender schedule

Fee withdrawal:

10%

Flexible premium

Product Life

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$25,000

Maximum Contribution

$1,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, and 1035 Exchange

Launch Date

04/24/2023

Retirement Stages Select is a fixed index annuity that offers growth potential and principal protection to help you reach your retirement goals.
Retirement Stages Select may be a good fit if:

You are at or nearing retirement
You are seeking downside protection for money you can’t afford to lose
You are looking for opportunities to grow your nest egg without putting it at risk

Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year Fixed Account	Fixed	4.25% Fixed
1-Year S&P 500 PTP Cap	Point to Point Annual	8.75% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	35% Participation
1-Year S&P 500 Performance Triggered	Performance Triggered Annual	6.35% Performance triggered
1-Year Fixed Account	Fixed	4.5% Fixed
1-Year S&P 500 PTP Cap	Point to Point Annual	9.75% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	40% Participation
1-Year S&P 500 Performance Triggered	Performance Triggered Annual	7.6% Performance triggered
1-Year First Trust Capital Strength Barclays 10% PTP Participation Rate with Volatility Limit with Flex-Lock	Point to Point with Volatility Limit Annual	75% Participation
1-Year Franklin SG Select PTP Participation Rate with 2% Boost and Knockout with Flex-Lock	Point to Point with Boost and Knockout Annual	150% Participation
1-Year Goldman Sachs Canopy PTP Participation Rate with Flex-Lock	Point to Point Annual	90% Participation
1-Year First Trust Capital Strength Barclays 10% PTP Participation Rate with Volatility Limit with Flex-Lock	Point to Point with Volatility Limit Annual	85% Participation
1-Year Franklin SG Select PTP Participation Rate with 2% Boost and Knockout with Flex-Lock	Point to Point with Boost and Knockout Annual	170% Participation
1-Year Goldman Sachs Canopy PTP Participation Rate with Flex-Lock	Point to Point Annual	100% Participation
1-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate	Point to Point Annual	65% Participation
1-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate	Point to Point Annual	70% Participation

Surrender schedule

Year	1	2	3	4	5
Penalty	8%	7%	6%	5%	4%

Hypothetical Projection

Comparison against S&P 500 using current rates

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Investment Amount

Riders

No Riders for Retirement Stages Select 5 annuity.

Waivers

Bail-Out

You may make a full or one-time partial withdrawal from your annuity without a surrender charge or MVA if the renewal cap rate for the S&P 500 1-year point-topoint with cap index strategy falls below the bailout cap rate.

Death

Market value adjustment waived at death.

Nursing Home

Unavailable in states: CA

After a period of one year, you may withdraw money from your annuity without a surrender charge to pay for an eligible nursing home. Contract must be purchased prior to owner’s attained age of 76 for the nursing home waiver.

Terminal Illness

Unavailable in states: CA

After a period of one year, you may withdraw money from your annuity without a surrender charge to pay for an eligible hospice care.

Premium Notes

Issue ages
18-85

Premium

Minimum initial premium payment: $25,000 for both qualified and nonqualified money; Flexible premium deferred annuity
Subsequent payments: Minimum: $500; Maximum total premium cannot exceed $1M without prior approval.
Subsequent payments not permitted after any owner/annuitant has attained age 85

Withdrawal Provisions

Free withdrawal amount After the first contract year, you may take up to 10% of the last contract anniversary value or a Required Minimum Distribution (RMD), if greater, without a surrender charge or MVA Market value adjustment Applies to withdrawals and surrenders greater than the free withdrawal amount; Waived at death.

Company Founded: 2013

Excellent Rated Company

Delaware Life Insurance Company

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