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Delaware Life
Retirement Stages 7 *ROP for FEE*
(RETIRED)
A Fixed Indexed Annuity with a 7-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***
Ratings
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A.M. Best : A- |
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Fitch: A- |
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Standard & Poor's: BBB+ |
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Rates
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Current Rates xx/xx/xxxx |
Guaranteed Minimum Values |
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Cap |
Part Rate |
Bailout |
Cap |
Part Rate |
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1-Year First Trust Capital Strength Barclays 5% Index Point to Point with PR
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***
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***
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*** |
*** |
*** |
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1-Year Morgan Stanley Global Opportunities
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***
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***
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*** |
*** |
*** |
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1-Year S&P 500 Performance Trigger
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Trigger: 7.50
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***
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*** |
*** |
*** |
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1-Year S&P 500 Point to Point with Cap Rate
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***
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***
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*** |
*** |
*** |
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1-Year S&P 500 with Participation Rate
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***
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***
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*** |
*** |
*** |
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1-Year Fixed Account
(Rate guaranteed for 1
Year)
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*.** %
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*.** %
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State Specified Minimum Interest Rate: ****
The @annuityname@ --[ subscription required to view full text ]--
*** @***********@ ** * ******** ******* ***** ******* ******* **** * @*******@ **** ********* ****** ****** *** ****** ***** ********** *********. *** @***********@ ******:
- ******** ***** ********* *******
- ******* ***********
- ******** ********** ********* *****
- ****** ** ******* ****** (*** ** ********** ******)
Provisions
Free Look Period: |
****
|
(Free look period may vary by state) |
Rate Lock Protection: |
****
|
Bail Out Provision Available: |
*** |
*** *** ***: |
**** |
Loan Provision Available: |
*** |
*** *** ***: |
**** |
Tax Sheltered: |
*** |
|
Market Value Adjustment: |
*** |
MRD: |
*** |
Front-End Fee: |
*** |
Annual Maintenance Fee: |
*** |
Return of Premium Available: |
*** |
Death Benefit is: |
*** **** |
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Premiums
|
Non-Qual |
Qualified |
Min Single Premium: |
**** |
******* |
Max Single Premium: |
|
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Age < xx: |
**** |
******* |
Age > xx: |
**** |
******* |
Payroll Deduction: |
**** |
**** |
Min Added Premium: |
**** |
**** |
Flexible Premiums ******* : |
****
|
|
Min Single Premium Impaired: |
****** |
****** |
Min Single Premium Period Certain: |
****** |
****** |
|
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Age Restrictions
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Min Age |
Non-Qual
| Qualified
|
Owner: |
|
***** |
***** |
Annuitant: |
***** |
***** |
***** |
Impaired: |
|
***** |
***** |
Annuitization Age: |
|
***** |
***** |
***** ***** ***** ****** *** **** * ***** ****** *** ****** ***** ** ******** ***
***** ***** ***** ****** *** **** * ***** ***** ***** ***** ****** *** **** * *****
|
|
|
Systematic Withdrawals
Systematic withdrawals are ***** ** *** ****** ****
*****************: **** ****** **** *****
**** *** ***** ** $****.**
*** *** ****** *** $****.**
**** ***** ******* ***** ******* * ****** ***** ****
MVA Explanation
Not available in CA
|
MVA is an adjustme --[ subscription required to view full text ]--
*** ** ** ********** ** ******* *** ******* ** *** ******** **** *********** ***** ******** ********* **** ** ******* ** *********** *** ********** **** ****** *** **% **** ********** ****** ****** *** ***** * ******** *****. *** **** *** ***** **** ******* ** ***** *******. ***** ********** *** *****
&****;
****** ******* ****** ************* ******* *** ********* ** **
Commissions
Effective date of commission schedule: 03/01/2021 |
Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.
|
Option 1 - Up-Front Commissions
Retirement Stages 7 *ROP for FEE*
|
Ages 18-74 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Ages 75-79 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Ages 80-80 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Option 2 - Trail B Commissions
Retirement Stages 7 *ROP for FEE*
|
Ages 18-74 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail: |
Trail years ***+ is ***** |
Ages 75-79 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail: |
Trail years ***+ is ***** |
Ages 80+ |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail: |
Trail years ***+ is ***** |
Option 3 - Trail C Commissoins
Retirement Stages 7 *ROP for FEE*
|
Ages 18-74 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail: |
Trail years ***+ is ***** |
Ages 75-79 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail: |
Trail years ***+ is ***** |
Ages 80+ |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail: |
Trail years ***+ is ***** |
Option 4
Retirement Stages 7 *ROP for FEE*
|
Ages 18-74 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail: |
Trail years ***+ is ***** |
Ages 75-79 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail: |
Trail years ***+ is ***** |
Ages 80+ |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail: |
Trail years ***+ is ***** |
ROP Requires elec --[ subscription required to view full text ]-- *** ******** ******** ** ********** ****** *
|
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