- Delaware Life Insurance Company will add limited Bitcoin-linked exposure to its fixed indexed annuities via a BlackRock-developed index.
- The Bitcoin allocation is indirect and delivered through the iShares Bitcoin Trust ETF, so policyholders will not hold BTC directly.
- The index blends U.S. equities with a small, risk-managed Bitcoin allocation and applies volatility controls targeting about 12% fluctuation.
- The index will be offered across three fixed indexed annuity products that protect principal and offer tax-deferred growth tied to an index.
- BlackRock launched its spot Bitcoin ETF in January 2024; the fund has a market capitalization above $70 billion.
In January 2026, Delaware Life Insurance Company announced it will add limited Bitcoin-linked exposure to several fixed indexed annuity products through an index developed with BlackRock (announced). The company said the structure lets policyholders access Bitcoin Price movements indirectly while preserving principal under annuity terms.
The index combines U.S. stocks with a small, managed allocation to Bitcoin delivered via the iShares Bitcoin Trust ETF, so investors do not hold Bitcoin directly. The design applies volatility controls meant to limit index fluctuations to about 12%.
Delaware Life will make the index available across three of its fixed indexed annuity products. Fixed indexed annuities are insurance-based retirement vehicles that protect the initial investment, provide tax-deferred growth, and tie returns to a referenced market index rather than direct asset ownership.
The company said it had surpassed $40 billion in cumulative annuity sales as of November 2025 (said). BlackRock launched its spot Bitcoin ETF in January 2024 and, according to CoinMarketCap data, the fund has a market capitalization of more than $70 billion.
Other insurers are experimenting with crypto-linked strategies. Meanwhile Group launched in June 2023 and raised $82 million in October 2025 to support demand for Bitcoin-denominated retirement and savings products. Tabit raised $40 million in Bitcoin in March to back U.S. dollar-denominated insurance policies.
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