Delaware Life Gets Trendy with Bitcoin-Infused Annuities-Are You Ready?

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Delaware Life is stepping into the future and possibly a wormhole by adding Blackrock’s bitcoin smoothie to their fixed index annuity menu. Yes, you heard that right-now you can bask in the glow of Bitcoin while keeping your principal as safe as a toddler in a bubble wrap suit.

On January 20, 2026, Delaware Life Insurance Company officially announced they’re mixing the financial equivalent of peanut butter and chocolate-or perhaps oil and water-by incorporating the Blackrock U.S. Equity Bitcoin Balanced Risk 12% Index into their fixed index annuity (FIA) lineup. This makes them the first insurer to dip their toes into the crazy world of cryptocurrency while still promising to keep your hard-earned cash safe from the rollercoaster ride of the market!

So, what does this magical index do? It blends U.S. equities with a splash of bitcoin-and no, that doesn’t mean you can buy a pizza with it. They access this digital gold via the iShares Bitcoin Trust ETF (IBIT) and aim for a 12% volatility. Because who doesn’t want a little unpredictability in their retirement plan? Blackrock’s Robert Mitchnick assures us that the index “offers a measured approach”-which sounds fancy until you realize it’s still a financial product being sold to us mere mortals.

🧭 FAQs

• What product did Delaware Life launch and when? Delaware Life added the Blackrock bitcoin-blended index to its FIA portfolio on January 20, 2026. Mark your calendars, folks!
• How does the index provide bitcoin exposure? The index uses the iShares Bitcoin Trust ETF (IBIT) to give you professionally managed bitcoin exposure-because why not let someone else babysit your crypto?
• Does the FIA principal remain protected? Yes; the fixed index annuity provides full principal protection under the product’s terms-so you can sleep soundly knowing your money isn’t doing the Macarena in a bad investment.
• What risk controls does the index employ? The index targets 12% volatility and uses dynamic cash adjustments to manage bitcoin’s wild mood swings. It’s like having a financial therapist on speed dial!

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2026-01-21 14:02