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
Delaware Life Insurance Company, a leading provider of innovative and customizable financial solutions, 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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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.”
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