- Delaware Life includes Bitcoin in fixed annuity products.
- Bitcoin exposure managed via BlackRock’s index.
- Innovative approach in insurance sector.
Delaware Life Insurance Company introduces Bitcoin exposure in its annuity offerings via BlackRock’s U.S. Equity Bitcoin Balanced Risk 12% Index, marking industry first on January 20, 2026.
The move revolutionizes retirement planning, integrating Bitcoin’s potential growth with annuity protection, meeting evolving investor needs amid increasing cryptocurrency acceptance.
Delaware Life Insurance Company, part of Group 1001 with $60 billion AUM, introduced a fixed indexed annuity offering Bitcoin exposure through BlackRock’s U.S. Equity Bitcoin Balanced Risk 12% Index. This move reflects a rising trend of integrating crypto into traditional financial products.
The initiative involves leadership from Colin Lake, CEO of Delaware Life Marketing. The collaboration with BlackRock facilitates Bitcoin exposure via a structured index, blending equities and digital assets, ensuring 12% volatility and principal protection.
The ramifications are multi-fold, potentially altering how retirees manage portfolios. Policyholders now have avenues to integrate digital currencies, although restrictions such as volatility targeting exist. This reflects a growing trend of cryptocurrency in retirement planning.
Financially, this advancement provides insurers and policyholders a novel mechanism to engage with digital currencies while maintaining safety nets like principal protection, underscoring evolving consumer expectations of financial products.
While no regulatory changes accompany this product, its influence in mainstream finance is notable. The absence of on-chain metrics highlights its off-chain focus, indicating potential expansion risk appetite among insurers and clients.
The initiative could lead to future technological innovations in insurance. Historical trends show demand for hybrid products could grow, promoting further integration of digital assets. This introduces new volatility while emphasizing principal security and calculated risk.
“We’re proud to partner with BlackRock as the first insurance carrier to offer cryptocurrency exposure through a fixed index annuity. As the retirement-planning landscape evolves, we’re continuously and thoughtfully innovating to meet the needs of financial professionals and their clients. Our fixed index annuities deliver what today’s investors want and need: opportunity for growth with protection.” *
