Delaware Life Insurance Company has launched a fixed index annuity linked to the BlackRock U.S. Equity Bitcoin Balanced Risk 12% Index, becoming what it says is the first insurance carrier to offer an annuity product with cryptocurrency exposure.
The BlackRock index allocates approximately 74% to the iShares Core S&P 500 ETF, 25% to the iShares Bitcoin Trust ETF (IBIT), and 1% to cash. The index is managed to a 12% target volatility, using dynamic cash adjustments to moderate Bitcoin’s price swings.
The launch follows an executive order signed by President Trump on August 7, 2025, permitting alternative investments including digital assets to be considered for retirement plans.
As of December 31, 2024, the index showed a six month return of 1.88%, though it declined 3.16% over three months. This can be attributed to the three month negative performance of the Bitcoin component.
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