A New Era in Insurance: Bridging Traditional Finance and Digital Assets
Delaware Life has unveiled a groundbreaking fixed index annuity that integrates bitcoin market performance into its return structure, marking the first such offering in the U.S. insurance sector. In collaboration with BlackRock, the product enables investors to gain indirect exposure to bitcoin without direct ownership—combining capital preservation with growth potential from digital assets.
Dual-Asset Strategy for Balanced Growth
The annuity is linked to a custom index blending U.S. large-cap equities and bitcoin performance. It leverages iShares’ S&P 500 ETF and a spot bitcoin ETF for exposure, ensuring regulatory compliance, transparency, and institutional-grade infrastructure.
- Principal protection with upside potential tied to market performance
- No need for self-custody or crypto wallet management
- Access to bitcoin’s growth through regulated financial products
- Ideal for risk-conscious investors seeking portfolio diversification
Meeting Rising Demand for Institutional Crypto Access
With BlackRock’s spot bitcoin ETF nearing $76 billion in assets under management, institutional demand for regulated crypto products is surging. This innovation reflects a broader shift—financial services are evolving to meet client demand for secure, familiar vehicles that tap into emerging asset classes.
By embedding digital asset exposure within an annuity framework, Delaware Life is paving the way for wider adoption among conservative investors and retirement savers who previously avoided crypto due to volatility or complexity.