Delaware Life becomes first insurer to add Bitcoin annuity

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Yaroslav Dmytrenko

20.01.2026

Delaware Life becomes first insurer to add Bitcoin annuity — Delaware Life offers Bitcoin exposure via protected fixed indexed annuity

Delaware Life Insurance Company, part of Group 1001, has become the first insurer on the market to offer investors protected exposure to Bitcoin through a fixed indexed annuity.

On Tuesday, Delaware Life Insurance announced the addition of the BlackRock U.S. Equity Bitcoin Balanced Risk 12% Index to its fixed indexed annuity (FIA) portfolio. This move makes Delaware Life the first insurance company to allow investors to diversify their portfolios and gain exposure to Bitcoin while fully protecting the principal invested in an FIA.

The BlackRock U.S. Equity Bitcoin Balanced Risk 12% Index combines U.S. equities and Bitcoin within a single index to deliver diversified return potential. It targets 12% volatility by using dynamic cash allocations to help smooth Bitcoin’s inherent volatility.

By utilizing the iShares Bitcoin Trust ETF (IBIT), the largest and most liquid Bitcoin-based exchange-traded product (ETP), investors gain professionally managed exposure to Bitcoin without the complexities of direct ownership.

“We are proud to partner with BlackRock as the first insurance company to offer cryptocurrency exposure through a fixed indexed annuity,” said Colin Lake, President and CEO of Delaware Life Marketing. He added that “fixed indexed annuities provide investors with what they need and want today: growth potential with protection.”

Protected retirement investing with Bitcoin

The BlackRock U.S. Equity Bitcoin Balanced Risk 12% Index will be available as an index option across three Delaware Life products: Momentum Growth™, Momentum Growth Plus™, and DualTrack Income™.

“This launch builds on the tremendous success and strong client demand we’ve seen around IBIT and allows insurance clients to incorporate Bitcoin into their broader indexed annuity strategies,” said Robert Mitchnick, Global Head of Digital Assets at BlackRock.

Delaware Life Insurance Company is part of Group 1001 Insurance Holdings, LLC, which employs more than 1,500 people, manages $76.4 billion in assets, and oversees more than 496,000 active annuity contracts and life insurance policies.

The group’s brands include Delaware Life, GainbridgeSM, Clear Spring Life and Annuity Company, Clear Spring Property and Casualty Group, Clear Spring Health, RVI Group, and others.

As we wrote, Bitcoin drops below $90,000 on Trump tariff threats, pressuring crypto equities

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