Delaware Life Insurance Company is adding limited Bitcoin-linked exposure to its retirement annuity lineup in January 2026, offering an index that mixes US equities with a small, managed allocation to Bitcoin via BlackRock’s ETF to let policyholders track BTC price moves while preserving principal. The firm announced the new index and its inclusion across three fixed indexed annuity products.
The Bitcoin component uses BlackRock‘s iShares Bitcoin Trust ETF, so holders will not own Bitcoin directly (Ed. note: exposure is indirect through the ETF). The blended index applies volatility controls aimed at limiting swings to about 12%.
Fixed indexed annuities protect initial deposits and offer tax-deferred growth tied to an index rather than direct asset ownership. Delaware Life also said it surpassed $40 billion in cumulative annuity sales as of November 2025.
BlackRock launched its spot Bitcoin ETF in January 2024, and the fund has grown substantially. CoinMarketCap data shows the ETF’s market capitalization exceeds $70 billion, making it the largest spot Bitcoin fund.
Insurers are increasingly testing crypto-linked structures. Separately, Meanwhile Group raised $82 million in October 2025, and Barbados-based Tabit raised $40 million in Bitcoin to support its balance sheet. U.S. policy moves in 2025 also encouraged wider retirement access to cryptocurrencies.
