Delaware Life Unveils Bitcoin-Linked Retirement Annuity

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Delaware Life Launches Bitcoin-Linked Annuity for Safe Crypto Retirement

Written by Aaron S.,

Editor-In-Chief

Last Updated: January 21, 2026

Key Takeaways

Delaware Life became the first insurer to add a Bitcoin-linked index to its fixed indexed annuity portfolio;
The new index lets investors benefit from Bitcoin’s growth while keeping their principal protected;
Bitcoin exposure is managed through BlackRock’s iShares Bitcoin Trust ETF.

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Delaware Life Launches Bitcoin-Linked Annuity for Safe Crypto Retirement

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Delaware Life Insurance Company, which operates under Group 1001, has introduced a new option to its fixed indexed annuity range by adding the BlackRock US Equity Bitcoin Balanced Risk 12% Index.

The new index allows annuity holders to gain indirect exposure to Bitcoin BTC $89,306.47 while keeping their original investment protected under the rules of a fixed indexed annuity.

According to the company, the goal is to offer clients a way to access potential growth tied to Bitcoin without buying or managing the asset directly.

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At the same time, the annuity structure keeps the contributed principal shielded from market losses.

Colin Lake, President & CEO of Delaware Life Marketing, said:

We're proud to partner with BlackRock as the first insurance carrier to offer cryptocurrency exposure through a fixed index annuity.

The BlackRock US Equity Bitcoin Balanced Risk 12% Index combines exposure to US stocks and Bitcoin within a single index. This approach is intended to spread risk across different asset types rather than relying on only one source of returns.

The index also includes built-in controls designed to limit price swings by targeting a volatility level of 12% and shifting part of the allocation into cash when needed.

Bitcoin exposure in the index is provided through the iShares Bitcoin Trust ETF (IBIT). This setup removes the need for policyholders to handle digital wallets or private keys.

Recently, 21Shares started trading its new Bitcoin and Gold exchange-traded product (ETP) on the London Stock Exchange. What did the company say? Read the full story.