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TrackGuard+

In recent years, the Delaware Life Insurance Company has grown into a respected force in the retirement planning sector, being originally established in 2013. A proud subsidiary of Group 1001, Delaware Life offers flexibility to its customers through a variety of annuities, such as fixed, fixed-indexed, and variable annuities. Investing in such products allows customers to better save for retirement and receive a long-term income stream in the process. The company’s mission rests on being a reliable partner to its clients, empowering each one to take steps towards a comfortable retirement.

TrackGuard+

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Investment

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Retire At

About Product

Type

Fixed Index

Purpose

Accumulation

Premium Bonus

26%

Term

10 Years

Surrender schedule

12%

11%

10%

Fee withdrawal:

Market Value Adjustment

Yes

Return Of Premium

Yes

Minimum Contribution

$25,000

Maximum Contribution

$2,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, Traditional IRA, IRA Rollover, IRA Transfer, SEP IRA, and IRA-Roth

Launch Date

07/27/2026

TrackGuard+ is a modified single premium deferred annuity with index-linked options, which means you buy it with one or more premium payments within a specified period and payouts begin at a future date; You don’t pay taxes on the interest it earns until the money is paid to you. A fixed index annuity is designed to guarantee the principal portion of your investment and accumulate interest, subject to limitations, based on the performance of a market index. You can choose to allocate your premium payment(s) to a Fixed Account, in one or more Index Accounts, or both. There are no optional benefit riders available for this contract.

Index Account Enhancement
This Endorsement provides an enhancement option which may be available on some Index Accounts for an additional charge. Enhanced Index Accounts are optional and offer more favorable crediting rates than those offered for the same Index Account without an enhancement. It is important to understand that an Enhanced Index Account Value will decrease if index interest credits are less than the Enhancement Fee.
Enhancement Fee Rate
A percentage applied to the Account Value of an Enhanced Index Account at the beginning of the term to determine the Enhancement Fee that is deducted at the end of the term. The fee will also be deducted from any Enhanced Index Account Value on the date it reaches zero or you begin annuity payments. The initial Enhancement Fee Rate is set at contract issue and guaranteed for the first index term. A new Enhancement Fee Rate will be declared at the start of each subsequent index term. The Fixed Account and Index Accounts without an enhancement are not subject to an Enhancement Fee.

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

Allocation Accounts

Name	Type	Rates
1-Year Fixed Account	Fixed	2.9% Fixed
1-Year S&P 500 PTP Cap	Point to Point Annual	4.65% Cap
1-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate	Point to Point Annual	45% Participation
1-Year Barclays Aries PTP Enhanced Participation Rate	Point to Point Annual	100% Participation
1-Year Nasdaq-100 Volatility Control 12% PTP Participation Rate	Point to Point Annual	53% Participation
1-Year BlackRock U.S. Equity Bitcoin Balanced Risk 12% PTP Participation Rate	Point to Point Annual	40% Participation
1-Year BlackRock U.S. Equity Bitcoin Balanced Risk 12% PTP Enhanced Participation Rate	Point to Point Annual	56% Participation
1-Year Barclays Aries PTP Participation Rate	Point to Point Annual	73% Participation
1-Year S&P 500 PTP Enhanced Cap	Point to Point Annual	6.7% Cap
1-Year Nasdaq-100 Volatility Control 12% PTP Enhanced Participation Rate	Point to Point Annual	72% Participation
1-Year S&P 500 Dynamic Intraday TCA PTP Enhanced Participation Rate	Point to Point Annual	62% Participation
1-Year Fixed Account	Fixed	3.15% Fixed
1-Year Barclays Aries PTP Enhanced Participation Rate	Point to Point Annual	106% Participation
1-Year BlackRock U.S. Equity Bitcoin Balanced Risk 12% PTP Enhanced Participation Rate	Point to Point Annual	61% Participation
1-Year Nasdaq-100 Volatility Control 12% PTP Enhanced Participation Rate	Point to Point Annual	77% Participation
1-Year S&P 500 Dynamic Intraday TCA PTP Enhanced Participation Rate	Point to Point Annual	67% Participation
1-Year S&P 500 PTP Enhanced Cap	Point to Point Annual	7.9% Cap
1-Year Barclays Aries PTP Participation Rate	Point to Point Annual	80% Participation
1-Year BlackRock U.S. Equity Bitcoin Balanced Risk 12% PTP Participation Rate	Point to Point Annual	45% Participation
1-Year Nasdaq-100 Volatility Control 12% PTP Participation Rate	Point to Point Annual	58% Participation
1-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate	Point to Point Annual	50% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	5.75% Cap

Surrender schedule

Year	1	2	3	4	5	6	7	8	9	10
Penalty	12%	12%	12%	11%	10%	9%	8%	7%	6%	4%

Riders

Name	Inbuilt	Fee
Enhanced Liquidity Benefit Rider	Yes	0.95% annually

Waivers

Nursing Home

After your first contract anniversary, you can make a withdrawal without any Withdrawal Charges, MVA, or Premium Bonus Recapture if your contract is issued before your 76th birthday and you’ve been confined to a hospital or qualified nursing facility for at least 90 consecutive days.

Terminal Illness

After your first contract anniversary, you can make a withdrawal without any Withdrawal Charges, MVA, or Premium Bonus Recapture if your contract is issued before your 70th birthday and you are terminally ill.

Premium Notes

Minimum initial premium payment

$25,000 for both qualified and non-qualified money

Subsequent payments

Available before the first contract anniversary (modified single premium index annuity)
Minimum: $500
Maximum: Total premium cannot exceed $2M without prior approval

Withdrawal Provisions

Enhanced free withdrawal amount This benefit, during the first contract year, provides a free withdrawal amount of 7% of the total premium payments, and 7% of the prior anniversary account value in the contract years thereafter. Starting after the first contract year, any portion of the annual 7% allowance that isn't used begins accumulating in a reserve (up to a maximum), which enhances the amount that can be withdrawn penalty-free in future years. Allows for a free withdrawal amount greater than 7% beginning in Year 3 A maximum of 21% may be carried over each year as a reserve, allowing for a maximum total free withdrawal amount of up to 28% in any given contract year. A 0.95% fee is deducted from the account value at the end of each year during the surrender charge period.The fee is based on premiums received in the first year and the prior year’s anniversary account value in the years thereafter. The fee is also assessed upon surrender or the date a withdrawal would cause the account value to be less than the applicable rider fee.

Company Founded: 2013

Excellent Rated Company

Delaware Life Insurance Company

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