{"id":128910,"date":"2026-01-21T17:47:50","date_gmt":"2026-01-21T17:47:50","guid":{"rendered":"https:\/\/mycryptomania.com\/?p=128910"},"modified":"2026-01-21T17:47:50","modified_gmt":"2026-01-21T17:47:50","slug":"delaware-life-launches-first-fixed-index-annuity-that-offers-bitcoin-exposure","status":"publish","type":"post","link":"https:\/\/mycryptomania.com\/?p=128910","title":{"rendered":"Delaware Life Launches First Fixed Index Annuity That Offers Bitcoin Exposure"},"content":{"rendered":"

Bitcoin Magazine<\/a><\/p>\n

Delaware Life Launches First Fixed Index Annuity That Offers Bitcoin Exposure<\/a><\/p>\n

<\/div>\n

Delaware Life Insurance Company has become the first U.S. insurance carrier to offer a fixed index annuity (FIA) linked to a cryptocurrency-focused index, the BlackRock U.S. Equity Bitcoin Balanced Risk 12% Index.\u00a0<\/p>\n

The move allows retirement investors to gain indirect exposure to Bitcoin while retaining principal protection, a hallmark of traditional annuity products.<\/p>\n

The newly launched index blends 74% exposure to the iShares Core S&P 500 ETF with 25% exposure to the iShares Bitcoin Trust ETF (IBIT<\/a>) and a 1% cash allocation. It is designed with a 12% target volatility, using dynamic cash adjustments to moderate BTC\u2019s price swings.<\/p>\n

\u201cThis launch builds around the tremendous success and client demand we have seen for IBIT, enabling insurance clients to now add Bitcoin exposure as part of a broader indexed annuity strategy,\u201d said<\/a> Robert Mitchnick, Global Head of Digital Assets at BlackRock.<\/p>\n

\u201cThe BlackRock U.S. Equity Bitcoin Balanced Risk 12% Index offers a measured approach, allowing policyholders to participate in digital assets while maintaining the downside protection they expect from annuity products.\u201d<\/p>\n

Delaware Life\u2019s CEO of Marketing, Colin Lake, touched on the company\u2019s focus on innovation.\u00a0<\/p>\n

\u201cWe\u2019re proud to partner with BlackRock as the first insurance carrier to offer cryptocurrency exposure through a fixed index annuity,\u201d Lake said. \u201cAs the retirement-planning landscape evolves, we\u2019re continuously and thoughtfully innovating to meet the needs of financial professionals and their clients. Our fixed index annuities deliver what today\u2019s investors want and need: opportunity for growth with protection.\u201d<\/p>\n

Bitcoin\u2019s high returns balanced with equity growth<\/h2>\n

The index\u2019s mixed allocation is designed to balance traditional equity growth with BTC\u2019s high return potential, all while managing volatility.<\/p>\n

As of December 31, 2024, the index delivered a six-month return of 1.88%, though BTC\u2019s recent three-month decline<\/a> contributed to a 3.16% drop over that period.<\/p>\n

The BlackRock U.S. Equity Bitcoin Balanced Risk 12% Index is available on three Delaware Life FIA products: Momentum Growth, Momentum Growth Plus, and DualTrack Income, giving clients multiple avenues to integrate BTC exposure into retirement portfolios.<\/p>\n

The inclusion of IBIT, the largest and most liquid Bitcoin exchange-traded product, provides professional management without requiring direct cryptocurrency ownership.<\/p>\n

This is the first time a life insurance company has allowed policy holders to select a product which includes Bitcoin.<\/p>\n

The price of BTC today is $87,774, down 2% in the last 24 hours, with a 24-hour trading volume of $64 billion.<\/p>\n

This post Delaware Life Launches First Fixed Index Annuity That Offers Bitcoin Exposure<\/a> first appeared on Bitcoin Magazine<\/a> and is written by Micah Zimmerman<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"

Bitcoin Magazine Delaware Life Launches First Fixed Index Annuity That Offers Bitcoin Exposure Delaware Life Insurance Company has become the first U.S. insurance carrier to offer a fixed index annuity (FIA) linked to a cryptocurrency-focused index, the BlackRock U.S. Equity Bitcoin Balanced Risk 12% Index.\u00a0 The move allows retirement investors to gain indirect exposure to […]<\/p>\n","protected":false},"author":0,"featured_media":128911,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-128910","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-discovery"],"_links":{"self":[{"href":"https:\/\/mycryptomania.com\/index.php?rest_route=\/wp\/v2\/posts\/128910"}],"collection":[{"href":"https:\/\/mycryptomania.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mycryptomania.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/mycryptomania.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=128910"}],"version-history":[{"count":0,"href":"https:\/\/mycryptomania.com\/index.php?rest_route=\/wp\/v2\/posts\/128910\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mycryptomania.com\/index.php?rest_route=\/wp\/v2\/media\/128911"}],"wp:attachment":[{"href":"https:\/\/mycryptomania.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=128910"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mycryptomania.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=128910"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mycryptomania.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=128910"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}