This marks the first time an insurance carrier offers crypto exposure through a fixed index annuity. It gives investors the ability to diversify their retirement portfolios while maintaining full protection of their principal.
The move reflects a growing trend of integrating digital assets into traditional investment products, blending innovation with financial security.
Combining Growth and Protection
Fixed index annuities, or FIAs, are retirement products that protect the principal invested while offering the potential for growth linked to market indexes. Delaware Life’s new offering combines U.S. equities with Bitcoin, providing a diversified approach that balances traditional market exposure with the potential upside of digital assets. So, the index is designed to manage volatility, targeting a 12% risk level using dynamic cash adjustments to smooth out Bitcoin’s inherent price swings.
Delaware Life Insurance Company, a Group 1001 insurance subsidiary, announced the addition of the BlackRock U.S. Equity Bitcoin Balanced Risk 12% Index to its fixed indexed annuity (FIA) product lineup, making it the first U.S. insurer to introduce bitcoin exposure within this…
— Wu Blockchain (@WuBlockchain) January 20, 2026
A real-world example of this strategy in action is the iShares Bitcoin Trust ETF, which underpins the index. Launched two years ago, IBIT has become the largest and most liquid Bitcoin exchange-traded product. It allow investors to access Bitcoin without directly managing wallets or private keys. By leveraging IBIT, Delaware Life enables policyholders to gain professionally managed crypto exposure in a familiar retirement vehicle. This reduce complexity and risk.
Meeting Investor Demand for Digital Assets
The launch coincides with Bitcoin’s 17th anniversary and IBIT’s second anniversary, highlighting the growing acceptance of digital assets in mainstream finance. According to a 2025 report by CoinShares, institutional interest in Bitcoin-related investment products has grown over 40% year-over-year. It reflects a broader trend of retirement and wealth management firms exploring crypto as part of diversified strategies.
.@delaware_life is launching a fixed index annuity with $IBIT exposure. Devil will be in the details if the strategy is able to rebalance into/out of bitcoin and asymmetrically capture up moves pic.twitter.com/wTLVU4jnOV
— Cameron Otsuka (@CameronOtsuka) January 20, 2026
Colin Lake, President and CEO of Delaware Life Marketing, emphasized that the move is part of a thoughtful strategy to meet the evolving needs of investors and financial professionals. Robert Mitchnick, Global Head of Digital Assets at BlackRock, added that the index provides a “measured approach”. It will allow clients to participate in digital assets while retaining the protection FIAs are known for.
Disclaimer
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