This is a sample of what an annuity quote looks like from a 24 year veteran of the annuity services industry. There are 8 types of annuity benefits available. You choose the type(s) you like. A Safe Money Singer Annuity Quotation might be the most thorough annuity quote to be found on the internet!
Target Growth 10 ® Fixed Index Annuity
Setting the course for your retirement You're ready to set your retirement plan in motion—and protecting your money is just as important as growing it. Target Growth 10 ® Fixed Index Annuity can help you get to your retirement, with the growth potential and market protection you need.
Target Growth 10 ® 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 • You want access to complementary index options that provide diversification for a range of market conditions
You can depend on Delaware Life
Delaware Life has decades of annuity innovations and brings you a long history and solid track record. At Delaware Life, we develop smart annuities to address your unique retirement needs.
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Growth and protection are key Protection and certainty can impact growth When you invest, it’s inevitable there’ll be market ups and downs. And for many investors, the “downs” can cause angst and uncertainty. To avoid losing money, they may shift their investments away from equities and into fixed income products like bank CDs and Treasury bonds. But when interest rates are low for extended periods—like the past 10 years—the return on these products can also be low. This creates a dilemma—having to choose between protecting your money or trying to grow it. So, what about the stock market? Finding growth opportunities may mean taking more market risk You could invest in stocks and other equities—but can you afford the risk? With volatile markets, some investors may be reluctant to stay long enough to see gains. Research cites that some investors need to “win” twice as much as they “lose” to be indifferent to risk. 2 Nobody knows when the market will see significant gains—or losses. If you’re not invested, you could miss the best days. So, how can you feel comfortable staying the course?
Over the past 30 years, CD rates have, on average, declined almost 99% 1
Over the past 20 years, the average annual return of the S&P 500 ® is 164% higher than that of the average investor 3
CDs are FDIC-insured up to $250,000 per financial institution, and there may be a penalty for early withdrawal. Fixed indexed annuities, like many investments, are not FDIC-insured and have limitations and surrender charges. 1 Source: Bankrate.com, Historical CD Interest Rates: 1984-2023, February 3rd, 2023. 2 Source: “INVESTOR EDUCATION: The Importance of Behavioral Guidance,” © 2021 PIMCO. Used with permission from Pacific Investment Management Company LLC. 3 Source: JP Morgan Guide to the Markets. Data are as of June 30, 2022. The percentage shown above is based on the difference between the 20-year annualized returns of the S&P 500 Index (9.5%) and the Average Investor (3.6%). The average asset allocation investor return is based on analysis by Dalbar Inc., which utilizes the net of aggregate mutual fund sales, redemptions, and exchanges each month as a measure of investor behavior. You can have both growth and protection What if you didn’t have to sacrifice one for the other? If you’re looking to protect your retirement savings from market loss and still want the potential to increase your nest egg, consider Target Growth 10 ® Fixed Index Annuity . It offers both downside protection and upside opportunity and can be a smart choice as part of your financial strategy.
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Target Growth 10 ® can keep you on course Growth and protection while you save for retirement
Target Growth 10 ® Fixed Index Annuity is an insurance product that offers protection for your money against a market downturn—with the opportunity for it to capture gains. It enables you to earn interest based on the performance of a specific market index, or a combination of indexes. Market downside protection : Your gains are locked in each year, meaning you can’t lose any of your premiums or any credited interest due to market downturns or sudden market swings. Tax-deferred growth : You’ll have access to crediting strategies to help your money grow—four index options and one fixed account option. You can diversify your annuity by choosing one or a combination of strategies. And you won’t pay taxes on gains until you withdraw them. The combination of compounded gains and a potentially lower tax bracket after you retire can help make your retirement savings go farther.
The tax-deferral advantage
$300,000
$265,330 With tax deferral before withdrawal or fees
$250,000
$202,859 Without tax deferral
$200,000
$150,000
$100,000
20-year period
This hypothetical chart illustrates how tax deferral would affect a $100,000 initial premium, before any withdrawals or fees, during a 20-year period. The chart assumes an annual interest rate of 5% and a federal income tax rate of 28%. Actual tax rates may vary for different taxpayers and assets from those illustrated (for example, capital gains and qualified dividend income). Actual performance of your investment also will vary. Lower maximum tax rates on capital gains and dividends would make the investment return for the taxable investment more favorable, thereby reducing the difference in performance between the examples shown. Consider your personal investment time horizon and income tax brackets, both current and anticipated, when making an investment decision. This example illustrates tax deferral and does not represent the past or future performance of any product. Actual results will vary.
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Target Growth 10 ® in action Upside opportunity, downside protection, peace of mind
How it works The example below shows how a Target Growth 10 ® Fixed Index Annuity can lock in account value gains during up markets and protect your account value during down markets.
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Upside opportunity : When markets perform well, the gains in your annuity will automatically be locked in at the end of the contract year. Downside protection : When markets perform poorly, you won’t lose any of your premiums or credited interest, regardless of the index strategies and crediting options you choose. Peace of mind : You benefit from the security that comes with experiencing a more stable and predictable investment experience.
2
3
$200,000
$180,000
2
3 $169,104
1
$160,000
$140,000
$120,000
Index performance Target Growth 10 ® account value
$100,000
$80,000
$60,000
Inception
Year 3
Year 6
Year 9
Year 12
Year 15
This chart is a 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 product. This chart assumes no fees, charges, or withdrawals are taken from the FIA during the illustrated period and reinvestment of dividends is not included. The hypothetical performance of the fixed index annuity, as illustrated, assumes a $100,000 initial premium, a cap of 5.0% (using the One-Year Point-to-Point with Cap crediting option only) and assumes no withdrawals or surrender charges during period shown. Different index-based strategies and interest crediting options may produce different results. The amount of index interest credited at the end of the term year may be limited by index caps, PT Interest Rates, spreads, or a participation rate. Guarantees are backed by the financial strength and claims-paying ability of Delaware Life Insurance Company (Waltham, MA).
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Target Growth 10 ® index account options
Morgan Stanley Global Opportunities Index
S&P 500 ® Index Widely considered the leading benchmark of the U.S. equities market, the Standard & Poor’s 500 Index includes 500 of the largest companies on the New York Stock Exchange and NASDAQ.
Tracks and invests in multiple asset classes of equities, fixed- income rates, and commodity futures. The dynamic rebalancing of fixed-income and bond components helps mitigate the risk of downtrends in volatile interest rate environments.
First Trust Capital Strength ® Barclays 5% Index Provides exposure to U.S. equities and treasuries. Selects 50 large- cap U.S. stocks in the NASDAQ and utilizes an equally weighted portfolio of four Barclays U.S. Treasury futures indexes to capture optimal risk-adjusted returns.
RBA Select Equity Yield CIBC 5% Index
Value investing strategy focused on enhancing total returns by investing in the top 100 U.S. large-cap dividend- paying stocks, concentrating exclusively on stocks that produce reliable, sustainable dividends.
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Index strategies and crediting options Where growth opportunity meets downside protection With Target Growth 10 ® , you can choose to invest your money in one or a combination of strategies. The money you allocate to any index strategies has the potential to grow based on the underlying performance of your chosen indexes, measured from the beginning to the end of your 1-year term. This is called “point-to- point” crediting. If your chosen indexes rise, your account is credited with interest that represents a portion of the gain. If the index falls, you will not receive any interest—but neither will you sustain any loss. Instead, any earnings from the previous year are “locked in” and protected.
Strategy
Asset Classes Geography
Crediting Options
1-year Point-to-Point with Cap
1-year Point-to-Point with Participation Rate
S&P 500 ® Index
Equity
United States
1-year Performance Trigger
1-year Point-to-Point with Participation Rate and Spread
First Trust Capital Strength ® Barclays 5% Index
Equity, Treasuries
1-year Point-to-Point with Participation Rate
United States
Morgan Stanley Global Opportunities Index
Equity, Bonds, Commodities
United States, Germany, Japan
1-year Point-to-Point with Participation Rate
RBA Select Equity Yield CIBC 5% Index
1-year Point-to-Point with Participation Rate
Equity
United States
1-year Fixed Rate
Fixed Income United States
Annual
Scan or click for current rates
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Guaranteed minimum account value Extra protection with guaranteed upside Target Growth 10 ® includes, at no additional cost to you, the guaranteed minimum account value (GMAV) feature. If your annuity’s account value has not grown by a minimum amount, GMAV ensures you’ll receive a minimum percentage of credited interest after your annuity’s 10-year surrender period ends. Here’s how it works: • 10-year surrender period GMAV guarantees that your annuity’s account value will be at least 125% 1 of the initial premium, less any withdrawals, at the 10th anniversary.
How GMAV protects your money
$125,000
$125,000
$110,000
The account value automatically increases $15,000 to the GMAV, if greater on the contract anniversary immediately following the end of the surrender period.
$100,000 $100,000
Beginning Values
End of 10 Year Term
Beginning Year 11
Account Value
GMAV
This hypothetical example is for illustrative purposes only and does not reflect a specific annuity or an actual account value. It assumes the following: a $100,000 initial premium into the Target Growth 10 ® Fixed Index Annuity; a 10-year surrender period; no withdrawals are taken; a GMAV of 125%. 1 In the state of California, the GMAV is 122%.
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Access to your money
Occasionally, unexpected situations arise where you may need access to your money. If that happens, you have options.
Take withdrawals from your account value Free withdrawals : you can take 10% of the total premiums during the first contract year. After the first contract year, you may take 10% of the last contract anniversary value. Both options are free of surrender charges and any applicable Market Value Adjustment (MVA). You have full access to the account value in your annuity after ten years, depending on which product you choose. Partial or full withdrawals : you have the flexibility, should you need it, to take more than your free withdrawal amount. If you elect to withdraw more, please note that surrender charges and a MVA may apply. Turn your annuity into an income stream You also have the option to annuitize your contract. Target Growth 10 ® offers several options to provide you with guaranteed income for you, or you and your spouse.
1
2
Surrender charge exceptions
Required minimum distributions (RMDs)
If you are required to take a RMD, and that RMD is more than your 10% free withdrawal, you may take the entire RMD without a surrender charge.
Bailout provision
You may make a one-time partial or full withdrawal from your annuity without a surrender charge or market value adjustment if the renewal cap rate for the S&P 500 1-year point-to-point with cap index strategy falls below the bailout cap rate.
Nursing home/terminal illness 1
You may withdraw money from your annuity without a surrender charge to pay for an eligible nursing home or hospice care.
Withdrawals are taxed as ordinary income and, if taken prior to age 59½, there may be a 10% federal tax penalty. Withdrawals will reduce any protection benefits and may result in a surrender charge or a MVA. 1 Must meet certain criteria. Subject to state availability. Please refer to the contract for details.
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Target Growth 10 ® Fixed Index Annuity Product summary Issue ages 18-80
$25,000 for both qualified and nonqualified money; flexible premium deferred annuity
Minimum initial premium
Minimum: $500; Maximum: Total premiums cannot exceed $1M without prior approval
Subsequent premiums 1
Plan types
Nonqualified, IRA, SEP-IRA, and Roth IRA
10% of the total premiums during the first contract year; 10% of the last contract anniversary value or required minimum distribution (RMD), if greater, in the contract years thereafter
Free withdrawal amount 2
Surrender charges 3
10-year non-rolling surrender charge schedule: Year 1
234567891011+
Standard schedule
10% 10% 10% 10% 10% 9% 8% 7% 6% 5% 0%
Market value adjustment State variations apply
Applies to withdrawals and surrenders greater than the free withdrawal amount; waived at death or within bailout window
Available one year from contract issue: • Single-life only • Single-life with 10-30-year period certain • Joint and survivor life
Annuitization 4
Maximum annuitization age
95
Death benefit
Greater of account value or surrender value
No-cost benefits 5
GMAV; bailout provision; nursing home waiver; terminal illness waiver
1 Subsequent premiums not permitted after any owner/annuitant has attained age 85. 2 Withdrawals are taxed as ordinary income and, if taken prior to age 59½, there may be a 10% federal tax penalty. Withdrawals will reduce any protection benefits and may result in a surrender charge or a MVA. 3 With a non-rolling surrender charge, all premiums are free from surrender charges at the end of the surrender charge schedule. Below are the state-specific and California-only surrender schedules. The state-specific surrender schedule is for use in the following states: AK, CT, DE, FL, IA, ID, IN, MA, MD, MN, MO, MT, NJ, OH, OR, PA, SC, TX, UT, WA. Year 1 2 3 4 5 6 7 8 9 10 11+ State-specific schedule 10-Year 10% 9% 8% 7% 6% 5% 4% 3% 2% 1% 0%
California schedule
9-Year
9.20% 8.20% 7.20% 6.20% 5.20% 4.15% 3.15% 2.10% 1.05% 0% 0%
4 We may offer other options other than those listed. Please refer to the contract for details. 5 Must meet certain criteria. Subject to state availability. Please refer to the contract for details.
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Delaware Life and you It’s our mission at Delaware Life Insurance Company to offer our clients practical solutions with easy-to- understand features and deliver them with clarity and integrity. We aim to provide a seamless experience that gives our clients exactly what they’re looking for:
• Comfort of understanding
• Confidence of transparency
• Streamlined products without needless features
We are focused on addressing the real issues of retirement and legacy planning, providing solutions for both accumulation and income. That’s why we offer annuities with the potential for growth, and for income, that can last a lifetime—so our customers can plan for new adventures in retirement.
We can help you reach your retirement destination
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Key terms
Point-to-Point Crediting
The growth rate determined by comparing the index’s value at the beginning of the crediting period to its value at the end of the crediting period.
Index Cap Rate
The maximum percentage of interest, as part of an index strategy, that can be credited to any account value that is allocated to an index account for a given term.
Index Participation Rate
A factor applied to the performance of an index that is used to determine the index interest credit for an index strategy.
Interest Credited
The total amount of interest credited to the account value for both the fixed-rate and index-based strategies.
Crediting Period
The time period associated with each index account and fixed account, used to determine the interest credited. Each rate (Index participation rates, cap rates, and/or fixed interest rates) associated with a given index account or fixed account will not change during the term, but is subject to change at the start of each new term.
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Standard & Poor’s ® The Standard & Poor’s 500 ® (“S&P 500 ® ”) is a product of S&P Dow Jones Indexes LLC or its affiliates (“SPDJI”) and has been licensed for use by Delaware Life Insurance Company (“Delaware Life”). Standard & Poor’s ® and S&P ® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones ® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Delaware Life. Target Growth 10 ® is not sponsored, endorsed, sold, or promoted by SPDJI, Dow Jones, S&P ® , or their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 ® . Barclays and First Trust ® Neither Barclays Bank PLC ("BB PLC") nor any of its affiliates (collectively ‘Barclays’) is the issuer or producer of Delaware Life Target Growth 10 ® fixed index annuity and Barclays has no responsibilities, obligations or duties to investors in Delaware Life Target Growth 10 ® . The First Trust Capital Strength ® Barclays 5% Index (the 'Index'), together with any Barclays indices that are components of the Index, is a trademark owned by Barclays and, together with any component indices and index data, is licensed for use by Delaware Life Insurance Company as the issuer or producer of Delaware Life Target Growth 10 ® fixed index annuity (the 'Issuer'). Barclays’ only relationship with the Issuer in respect of the Index is the licensing of the Index, which is administered, compiled and published by BB PLC in its role as the index sponsor (the ‘Index Sponsor’) without regard to the Issuer or the Delaware Life Target Growth 10 ® or investors in the Delaware Life Target Growth 10 ® . Additionally, Delaware Life Insurance Company as issuer or producer of Delaware Life Target Growth 10 ® may for itself execute transaction(s) with Barclays in or relating to the Index in connection with Delaware Life Target Growth 10 ® . Investors acquire Delaware Life Target Growth 10 ® from Delaware Life Insurance Company and investors neither acquire any interest in the Index nor enter into any relationship of any kind whatsoever with Barclays upon making an investment in Delaware Life Target Growth 10 ® . The Delaware Life Target Growth 10 ® is not sponsored, endorsed, sold or promoted by Barclays and Barclays makes no representation regarding the advisability of the Delaware Life Target Growth 10 ® or use of the Index or any data included therein. Barclays shall not be liable in any way to the Issuer, investors or to other third parties in respect of the use or accuracy of the Index or any data included therein. First Trust ® , First Trust & Design ® , and First Trust Capital Strength ® (“Mark”) is a registered trademark of First Trust Portfolios LP (“First Trust”) and has been licensed for use by Delaware Life. Delaware Life Target Growth 10 ® (“Product”) is not sponsored, endorsed, sold or promoted by First Trust. FIRST TRUST MAKES NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY DELAWARE LIFE, A PRODUCT ISSUER, THE INVESTORS IN THE PRODUCT, OWNERS OF THE PRODUCT, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE MARKS OR PRODUCT. FIRST TRUST EXPRESSLY DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OF This product is not sponsored, endorsed, sold, or promoted by Morgan Stanley or any of its affiliates. Neither Morgan Stanley nor any other party (including, without limitation, any calculation agents or data providers) makes any representation or warranty, express or implied, regarding the advisability of purchasing this product. The Morgan Stanley Global Opportunities Index (the “Index”) is the exclusive property of Morgan Stanley. Morgan Stanley and the Index are service marks of Morgan Stanley and have been licensed for use by Delaware Life Insurance Company for certain purposes. Morgan Stanley will not have any obligation or liability to owners of this product in connection with the administration or marketing of this product, and neither Morgan Stanley nor any other party guarantees the accuracy and/ or the completeness of the Index or any data included therein. Morgan Stanley and its affiliates may engage in transactions involving components of the Index for their proprietary accounts and/or for accounts of their clients, which may affect the value of such components and the level of the Index. No purchaser, seller, or holder of this instrument, or any other person or entity, should use or refer to any Morgan Stanley trade name, trademark, or service mark to sponsor, endorse, market, or promote this product without first contacting Morgan Stanley to determine whether Morgan Stanley’s permission is required. Under no circumstances may any person or entity claim any affiliation with Morgan Stanley without the prior written permission of Morgan Stanley. There are risks associated with any product linked to this Index: • Allocation to a crediting method using the Index provides the potential for interest to be credited based in part on the performance of the Index. • The Index may not increase in value due to a number of factors and as a result there may be no interest credited to the annuity contract. • Because the Index has a consistent volatility target, the Index performance will not match the performance of the underlying Index components and may dampen the performance of the Index in rising markets • The Index has a limited performance history and past performance is no indication of future performance. • The Index may be composed of a small number of index components at any given time and the performance of the index involves risk associated with international and U.S. equities and bonds, commodities, and precious metals, which may impact the Index value and the interest credited to the annuity contract. THE PRODUCT. Morgan Stanley
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CIBC The RBA Select Equity Yield CIBC 5% Index TM (the “Index”) is the exclusive property of Canadian Imperial Bank of Commerce (Canadian Imperial Bank of Commerce, together with its affiliates, “CIBC”). CIBC has engaged Solactive AG (together with its affiliates, “Solactive”) to maintain and to make certain calculations related to the Index. “Canadian Imperial Bank of Commerce”, “CIBC” and the names of the “Index” (collectively, the “CIBC Marks”) are trademarks or service marks of CIBC. CIBC has licensed use of the Index and the CIBC Marks to Delaware Life Insurance Company (“DLIC”) for use in one or more products offered by DLIC (the “Product(s)”). CIBC developed the Index without considering the needs of DLIC or any annuity owner or annuitant. CIBC is not the issuer of the Products and its sole contractual relationship with DLIC is to license the use of the Index and the CIBC Marks to DLIC. Richard Bernstein Advisors LLC (“RBA”) contributed to the development of the Index without considering the needs of DLIC or any annuity owner or annuitant. Neither CIBC, RBA or Solactive make any representation or warranty, express or implied, regarding the Index or their development and have no responsibilities, obligations or liabilities with respect to the inception, adjustment, maintenance, operation or calculation of the Index. None of CIBC, RBA or Solactive are affiliated with each other or control or are controlled by each other. “RBA Richard Bernstein Advisors ® ” is a registered trademark of RBA. RBA has licensed certain rights to CIBC to use its name in connection with the Index. None of CIBC, RBA, Solactive or any other third-party licensor (collectively, the “Index Parties”) to CIBC is acting, or has been authorized to act, as an agent of DLIC or has in any way sponsored, promoted, solicited, negotiated, endorsed, offered, sold, issued, supported, structured or priced any Products or provided investment advice to DLIC. No Index Party is a fiduciary or agent of any purchaser, seller or holder of any Product, or has made any representation or warranty, express or implied, regarding the advisability of purchasing, selling or holding any Product or the ability of any Index to track corresponding or relative market performance. Purchasers of any Product neither acquire any interest in any Index nor enter into any relationship of any kind whatsoever with any of the Index Parties. No Index Party guarantees the timeliness, accurateness, or completeness of any Index or any data or information relating thereto and shall have no liability in connection with any Index or any data or information relating thereto. No Index Party shall have any liability with respect to any Product, nor any liability for any loss relating to any Product, whether arising directly or indirectly from the use of any Index, its methodology, or otherwise. The selection of any Index for use with any Product does not obligate DLIC to invest in the components of such Index. Any obligation to invest annuity premiums or other amounts received under the Products is determined solely by DLIC. Solactive is a trademark and service mark of Solactive AG. Solactive is not affiliated with DLIC or CIBC. Solactive’s association with CIBC is limited to Solactive’s role to act as the administrator and calculation agent of the Index, which is the exclusive property of CIBC. The Products are not sponsored, promoted, sold or supported in any other manner by Solactive nor does Solactive offer any express or implicit guarantee or assurance either with regard to the results of using the Index and/or Index trade mark or any Index level at any time or in any other respect. In calculating the level of the Index, the index methodology may deduct a maintenance fee. This fee will reduce the level of the Index and thus the Index’s return, if any. Furthermore, any Index that includes a volatility control as part of the index methodology may result in less fluctuation in rates of return as compared to indices without volatility controls. It may also reduce the overall rate of return for products referencing such Index as compared to other indices not subject to volatility controls. Delaware Life In certain market scenarios, such as a rising equity market when volatility is high or increasing, reductions in positive performance of a volatility controlled index could result in less interest being credited to an index account than if the volatility controlled index did not use a volatility control strategy that can limit positive performance. Conversely, in a declining equity market, when volatility is high or increasing, reductions in negative performance of the volatility controlled index could result in more interest being credited to an index account than if the volatility controlled index did not use a volatility control strategy. However, in such a declining market, the benefit from the volatility control strategy would be limited by the floor to the contract. In general, we incur less expense for the hedging transactions we use to mitigate our risk in providing contract guarantees to you for a volatility controlled Index than for other indexes in the contract. Annuities are long-term investment vehicles designed for retirement purposes. 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. Delaware Life Insurance annuities have limitations, exclusions, charges, termination provisions, and terms for keeping them in force. Please contact your financial professional for complete details. Guarantees are backed by the financial strength and claims-paying ability of Delaware Life Insurance Company (Waltham, MA). Policies and contracts are issued by Delaware Life Insurance Company. For use with policy forms ICC17-DLIC-FIA-17 and DLIC-FIA-17. Policy and rider form numbers may vary by state. Products, riders, and features may vary by state and may not be available in all states. This material may not be approved in all states. Ask your financial professional for more information. Delaware Life Insurance Company (Waltham, MA) is authorized to transact business in all states (except New York), the District of Columbia, Puerto Rico, and the U.S. Virgin Islands. This brochure is a general description of the product. Please read your contract and disclosure statement for definitions and complete terms and conditions, as this is a summary of the annuity’s features. 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.
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© 2023 Delaware Life Insurance Company
NOT FDIC INSURED | MAY LOSE VALUE | NO BANK OR CREDIT UNION GUARANTEE NOT A DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY OR NCUA/NCUSIF
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