Delaware Life adds BlackRock-backed Bitcoin-linked index to annuities

Delaware Life Insurance Company is adding limited Bitcoin-linked exposure to its retirement annuity portfolio through an index developed by BlackRock. The index blends US stocks with a small, risk-managed allocation to Bitcoin delivered via BlackRock's iShares Bitcoin Trust ETF, meaning investors do not hold Bitcoin directly.

Delaware Life said the structure combines US equities with managed BTC exposure and applies volatility controls designed to limit fluctuations to about 12%, allowing policyholders to gain indirect exposure to BTC price movements while still preserving their principal under the annuity’s terms.

The index will be available across three of Delaware Life’s fixed indexed annuity products. Fixed indexed annuities are insurance-based retirement products that protect the initial investment and offer tax-deferred growth, with returns tied to the performance of a referenced market index rather than direct asset ownership.

Delaware Life said it surpassed $40 billion in cumulative annuity sales as of November 2025. BlackRock launched its Bitcoin ETF in January 2024; according to CoinMarketCap data the fund has a market capitalization of more than $70 billion, making it the largest spot Bitcoin fund, and BlackRock said the ETF ranked among the company’s three largest investment themes in 2025.

Key Topics

Crypto, Delaware Life, Blackrock, Ishares Bitcoin Trust, Fixed Indexed Annuity, Bitcoin