July 28, 2026 Newswires

Delaware Life Launches a New Bonus Fixed Index Annuity Built for Growth, Protection, and Flexibility

Business Wire

TrackGuard+ pairs a 21–26% premium bonus with up to 28% penalty-free liquidity, so clients don't have to choose between growth and access

ZIONSVILLE, Ind.--(BUSINESS WIRE)--
Delaware Life Insurance Company, a leading provider of innovative and customizable financial solutions, today launched TrackGuard+™, a bonus fixed index annuity (FIA) that combines a high upfront premium bonus, a strong lineup of index crediting strategies, enhanced in-contract liquidity, and principal protection in a single solution.

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TrackGuard+

The new product accelerates contract value on day one with a high upfront premium bonus, which provides an enhanced base for compound growth on a tax-deferred basis. Whether clients have fallen off track from their goals due to past performance or a lack of savings, TrackGuard+ can provide a boost toward their long-term goals.

“Many of today's savers want their retirement dollars working harder from day one - not sitting idle waiting for growth to catch up, in other words, long-term is now," said Colin Lake, President & CEO of Delaware Life Marketing. "That's why we built TrackGuard+ around a high upfront bonus that puts more money to work the moment a client funds their contract. Paired with protection against the four risks that define modern retirement – longevity, inflation, volatility, and emotion – TrackGuard+ gives clients a stronger starting position and the confidence to stay invested through whatever comes next."

TrackGuard+ features:

Upfront premium bonus¹: A 21-26% premium bonus (varies by state) credited to contract value at issue, providing an immediate boost to contract value and a higher base on which interest credits are calculated. Even if the bonus is later recaptured on withdrawal or surrender, the client keeps all the interest credited to the bonus from contract issue.
Strong lineup of indexes and crediting strategies: Clients can allocate across the S&P 500^®Dynamic Intraday TCA, Nasdaq-100 Volatility Control 12%, BlackRock U.S. Equity Bitcoin Balanced Risk 12%, Barclays Aries, and the S&P 500^®.
Enhanced liquidity²: Beginning in the second contract year, clients can carry forward any unused free withdrawal percent from the prior year, stacking on top of the standard 7% annual allowance for up to a maximum of 28% penalty-free access in a single year. The benefit applies even following a prior-year withdrawal, giving clients maximum flexibility without sacrificing the premium bonus.
Enhanced Return of Premium benefit³: Starting in year 5, policyholders are guaranteed at least 100% of premium upon surrender. The benefit increases to amounts exceeding 100% of premium in later years.
Premium Guard benefit⁴: At the end of year 10, the Premium Guard benefit ensures the account value is at least equal to premiums plus premium bonus (less prior withdrawals and recaptured premium bonus).

Together, these features deliver long-term accumulation potential without losing a portion of the upfront bonus – so clients don’t have to choose between growth and access.

"Retirees shouldn't have to choose between growing their money today and accessing it tomorrow," said Daniel Buermann, Delaware Life Marketing Co-Head of National Accounts, IMO Channel. "TrackGuard+ was built to eliminate that tradeoff. An upfront premium bonus, enhanced Return of Premium protection, and expanded liquidity in a single contract give financial professionals something differentiated: a solution that compounds long-term value while keeping clients' money within reach when they need it."

TrackGuard+ is available now through Delaware Life's independent marketing organization (IMO) distribution partners. For full product details, visit https://product.delawarelife.com/product/imo-trackguard-plus.

¹Paid on all first-year premiums. The premium bonus varies by state and is subject to a recapture schedule if the contract is surrendered during the surrender period.

²Available after the first contract year, this benefit enhances the penalty-free withdrawal amount by accumulating any unused free withdrawal amount percentage from the prior year and carrying it over into the following year. Allows for a free withdrawal amount greater than 7% beginning in Year 3. A maximum of 21% may be carried over each year - 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. Withdrawals of taxable amounts are subject to ordinary income tax and if made before age 59½, may be subject to a 10% federal income tax penalty. Distributions of taxable amounts from a non-qualified annuity may also be subject to an additional 3.8% federal tax on net investment income.

³Total Premium less net withdrawals (net of CDSC & MVA, and Bonus Recapture).

⁴The Premium Guard Credit will be applied pro-rata across the current allocations after any applicable fees are taken.

Annuity products issued by Delaware Life Insurance Company (Zionsville, IN), which is authorized to transact business in all states (except New York), the District of Columbia, Puerto Rico, and the U.S. Virgin Islands. Product availability and features may vary by state. 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.

Annuities are long-term investment vehicles designed for retirement purposes. Annuity contracts contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. They are not intended to replace emergency funds, to be used as income for day-to-day expenses, or to fund short-term savings goals.

The downside protection provided by a fixed index annuity ensures that during crediting periods in which the index return is negative or flat, no less than 0% interest is credited to the index strategy. Any annual rider charge or fee will continue to be deducted from the account value regardless of index performance or interest credited. As a result, in a crediting period where 0% interest is credited, the rider charge will reduce your account value. Fixed index annuities are not securities and do not participate directly in the stock market or any index and are not investments.

This communication is for informational purposes only. It is not intended to provide, and should not be interpreted as individualized investment, legal, or tax advice. To obtain such advice, please consult with your investment, legal, or tax professional.

About Delaware Life Insurance Company

Delaware Life is a life insurance and annuity company that empowers financial professionals with a wide array of customizable solutions. A subsidiary of Group 1001, we were born out of the advisor industry, and we understand how important it is to find the right fit for every client, every situation, and every individual need. We’re passionate about equipping you with annuities that give your customers peace of mind and a successful future - allowing them to plan with confidence for whatever’s next.

About Group 1001

Group 1001 Insurance Holdings, LLC (“Group 1001 Insurance” or “Group 1001”) is a collective that empowers companies to create positive growth. Our insurance and annuities are easy to understand and accessible to all. Our online investing platform gives individuals control over their savings. Our technology and innovation help companies succeed. And our strategic partnerships bring people together through education and sports.

As of March 31, 2026, Group 1001 Insurance had more than 1,500 employees and combined assets under management of $86.1 billion and provides over 540,000 active annuity contracts and life insurance policies. It comprises the following brands: Delaware Life, Gainbridge℠, Clear Spring Life and Annuity Company, Clear Spring Property and Casualty Group, and the RVI Group, among others.