Fixed Annuity

Fixed annuities allow you to protect assets from market volatility. These contracts with an insurance company often pay you an agreed-upon percent for a guaranteed number of years. Withdrawals may be subject to surrender charges during the early years of the contract, and funds withdrawn from any annuity prior to age 59 1/2 may be subject to a 10% IRS penalty.

Rates

5.15%

3-Year Guarantee Period

5.35%

5-Year Guarantee Period

Rates shown are for illustrative purposes only and are not intended to be a solicitation for a specific insurance product. Please consult a qualified professional to determine which strategies or investments may be suitable for you. Rates effective 7/15/2024. Initial rates offered are subject to change.

Please contact your Everwise Investment Services Representative at (800) 756-6210 for more information.

Lock into a solid rate of return

Minimum premium of $100,000
Withdrawals may be subject to surrender charges during the early years of the contract
Funds withdrawn from any annuity prior to age 59 ½ may be subject to a 10% IRS penalty

For more information, contact your Everwise Investment Services representative at (800) 756-6210.

Fixed annuities are long-term investment vehicles designed for retirement purposes. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company.

Disclosure

These rates are as of July 15, 2024 for premiums of $100,000 or more, are for new applications only, and are subject to change at any time. Products are offered through Delaware Life Insurance Company, www.delawarelife.com, which is unaffiliated with Everwise Investment Services. Renewal rates may be different than those listed.

Annuities are long-term financial vehicles designed for retirement purposes. These policies may not be available in all states, and product features vary by state. Surrender value will not be less than the minimum value required by your state. Terminal Illness and Nursing Home waivers may not be available in all states. Apex MYGA^® has age eligibility requirements, minimum premium amounts, systematic withdrawal limits, and qualifying requirements for waiver of withdrawal, and surrender charges. For more details, including limitations and exclusions, ask your financial professional or refer to the Apex MYGA^® contract.

There is no additional tax benefit to purchasing an annuity within a qualified retirement plan. If you choose to purchase an annuity in a qualified retirement plan, you should do so for reasons other than tax deferral, such as the features and benefits of the annuity.

Annuities are issued and guarantees are backed by the financial strength and claims-paying ability of Delaware Life Insurance Company (Zionsville, IN).

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.

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.

Delaware Life Insurance Company is authorized to transact business in all states (except New York), the District of Columbia, Puerto Rico, and the U.S. Virgin Islands.

For use with Delaware Life Insurance Company policy form ICC20-DLIC-MYGA and state specific variations where applicable.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Everwise Investment Services and Everwise Credit Union (Everwise) are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Everwise Investment Services, and may also be employees of Everwise. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Everwise or Everwise Investment Services. Securities and insurance offered through LPL or its affiliates are:

Not insured by NCUA or Any Other Government Agency

Not Credit Union Guaranteed

Not Credit Union Deposits or Obligations

May Lose Value

Your credit union ("Everwise Credit Union") provides referrals to financial professionals of LPL Financial LLC (“LPL") pursuant to an agreement that allows LPL to pay Everwise Credit Union for these referrals. This creates an incentive for Everwise Credit Union to make these referrals, resulting in a conflict of interest. Everwise Credit Union is not a current client of LPL for advisory services.

Please visit https://www.lpl.com/content/dam/lpl-www/documents/disclosures/lpl-financial-relationship-summary.pdf for more information.

The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

Everwise Investment Services

Add safety and tax savings to your retirement strategy.

Fixed Annuities are designed for more conservative investors close to retirement

Rates

5.15%

3-Year Guarantee Period

5.35%

5-Year Guarantee Period

Lock into a solid rate of return