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- Delaware Life adds a Bitcoin-linked index to fixed index annuities.
- The move blends crypto exposure with full principal protection.
- BlackRock expands digital assets into retirement products.
Delaware Life Insurance Company has taken a landmark step in the annuity market. The firm added the BlackRock U.S. Equity Bitcoin Balanced Risk 12% Index to its fixed index annuity portfolio.
The move makes Delaware Life the first insurance carrier to include cryptocurrency exposure inside an annuity structure. The company operates under Group 1001 and focuses on long term retirement planning. This launch reflects rising interest in digital assets among traditional investors.
It also signals a shift in how insurers respond to changing portfolio needs. Investors now seek growth options beyond bonds and standard equity benchmarks. Delaware Life aims to meet that demand without raising risk to contributed capital.
Delaware Blends U.S. Stocks With Bitcoin Exposure
The new index blends U.S. equities with Bitcoin exposure in a single framework. The design targets balanced growth rather than aggressive returns. It sets a 12 percent volatility target to manage market swings. The index adjusts cash levels when volatility rises.
This process helps reduce sharp moves tied to Bitcoin price changes. Investors gain exposure through the iShares Bitcoin Trust ETF. This structure removes the need for wallets or direct crypto handling.
It also relies on one of the most liquid Bitcoin exchange traded products in the market. The approach aligns with regulatory standards used in insurance products. Policyholders retain full protection of their principal. Growth links to index performance rather than direct asset ownership.
The launch arrives at a symbolic moment for digital assets. Bitcoin recently marked seventeen years since its creation. The iShares Bitcoin Trust ETF also crossed its second year in the market. These milestones highlight how far crypto has moved into mainstream finance.
Digital Assets Move Into Regulated Finance
By placing Bitcoin inside a fixed index annuity, Delaware Life bridges old and new systems. The product suits investors who want innovation without direct exposure risk. It also gives financial professionals a new planning tool.
The index now appears on Momentum Growth, Momentum Growth Plus, and DualTrack Income products. This availability widens access across different income and accumulation strategies. The decision underscores a broader trend.
Asset managers and insurers now integrate digital assets into regulated structures. The focus stays on measured exposure and risk control. Delaware Life positions itself as an early mover in this space. BlackRock strengthens its role as a gateway between crypto and traditional finance.
Together, they reshape how retirement portfolios may look in the coming decade. The annuity market now enters a new phase. Crypto no longer sits outside long term planning. It becomes part of a protected and structured financial path. This development may influence product design across the insurance sector.
Related Reading: Bitcoin Open Interest Plummets as Binance Dominates – What’s Behind the Shift?
