Not all annuity income is created equal. In this episode, I take a close look at the Delaware Life Dual Track Income Annuity—a product that caught the attention of one of my clients because of its “potential” for higher income.

But here’s the thing: that extra income is based on brand-new indexes and a lot of hypothetical back-testing.

In this episode, I walk through:

How the Dual Track annuity’s income rider and roll-up rate work

What the “performance withdrawal base” really means

Why relying on unproven indexes could lead to disappointment

The side-by-side numbers that helped my client make a confident decision

If you’ve been offered this product or a similar one, this breakdown will help you understand the risks and trade-offs so you can make the best choice for your retirement plan.