Bitcoin is steadily finding its way into traditional retirement planning. Delaware Life Insurance Company has introduced Bitcoin-linked exposure within its retirement annuity offerings, marking a notable shift as digital assets move closer to mainstream financial products designed for long-term investors.
The new structure allows policyholders to access indirect Bitcoin price exposure through a professionally managed index developed by BlackRock. Rather than holding digital assets directly, the index integrates U.S. equities with a limited Bitcoin component, using BlackRock’s spot Bitcoin ETF as the reference vehicle. This approach is designed to balance growth potential with capital protection.
A key feature of the index is its volatility control mechanism, which targets annual fluctuations of approximately 12%. This risk-managed framework aims to reduce extreme price swings commonly associated with Bitcoin while maintaining exposure to its long-term performance trends. Importantly, principal protection remains intact under the annuity’s terms, aligning with the expectations of retirement-focused investors.
The index will be accessible through three fixed indexed annuity products offered by Delaware Life. These annuities provide tax-deferred growth, with returns linked to index performance rather than direct ownership of stocks or cryptocurrencies. The company reported over $40 billion in cumulative annuity sales as of November 2025, underscoring its established presence in the retirement market.
BlackRock’s spot Bitcoin ETF, launched in January 2024, has grown to a market capitalization exceeding $70 billion, making it the largest fund of its kind. The ETF’s strong adoption reflects increasing institutional confidence, which is now extending into insurance-based retirement solutions.
The inclusion of Bitcoin-linked indices in annuities highlights a broader trend: digital assets are gradually being integrated into regulated, conservative financial products, offering retirement investors measured exposure without abandoning traditional safeguards.
Disclaimer
This content is for informational purposes only and does not constitute financial, investment, or legal advice. Cryptocurrency trading involves risk and may result in financial loss.