TLDR
- Delaware Life adds a Bitcoin-linked index annuity with built-in principal protection
- BlackRock expands crypto access through regulated retirement-focused products
- New annuity blends S&P 500 exposure with managed Bitcoin allocation
- Volatility-controlled index targets smoother returns for long-term investors
- Policy shifts accelerate Bitcoin integration into traditional retirement channels
Delaware Life introduced a new fixed index annuity that links to the BlackRock U.S. Equity Bitcoin Balanced Risk 12% Index, marking a milestone in regulated retirement products. The move expands access to digital asset exposure while keeping principal protection intact. Moreover, the development strengthens BlackRock’s reach in traditional financial channels.
BlackRock Index Expands Access to Regulated Crypto Exposure
Delaware Life added the BlackRock index to its fixed index annuity lineup and positioned the product as a new option within retirement planning. The index blends U.S. equity exposure with measured Bitcoin allocation through the iShares Bitcoin Trust ETF. The strategy uses a 12% volatility target that manages sharp price swings and aims for smoother performance.
The index holds roughly 74% S&P 500 exposure, 25% Bitcoin exposure, and 1% cash to complete its structure. It adjusts cash levels when market movements exceed targeted volatility thresholds and supports consistent risk management. The addition aligns with broader market trends that integrate digital assets into regulated offerings.
Delaware Life integrated the index into three existing products, and these include Momentum Growth, Momentum Growth Plus, and DualTrack Income. The availability supports broader adoption within fixed index annuity channels. The timing reflects growing demand for structured access to Bitcoin exposure within retirement contracts.
Policy Shifts and Market Conditions Support the Product Launch
A federal policy change enabled alternative assets to enter retirement portfolios, and an executive order in August 2025 accelerated the approval. The decision widened the scope for digital asset inclusion and opened pathways for regulated entities to participate. The shift encouraged insurers to expand their product lines.
The launch coincided with Bitcoin’s 17th anniversary and the second anniversary of the iShares Bitcoin Trust ETF. These milestones strengthened confidence in digital asset infrastructure and allowed BlackRock to scale its index capabilities. The backdrop provided Delaware Life with an established framework for the new annuity design.
Market conditions supported blended strategies that balance equity strength with digital asset momentum. The index offers a unified model that merges growth segments and controls volatility through systematic adjustments. The structure appeals to retirement products that require stability while targeting expanded return potential.
BlackRock Strengthens Position in Digital Asset Integration
BlackRock continued its expansion into digital asset-linked indices, and the new partnership with Delaware Life extended its reach into insurance markets. The index demonstrates how digital assets now operate within traditional frameworks through managed structures. The approach removes complexity and provides regulated access.
The iShares Bitcoin Trust ETF played a central role and delivered a liquid and transparent vehicle for Bitcoin exposure. The ETF continues to shape institutional pathways for digital asset integration and expands BlackRock’s influence in the sector. Its scale supports reliable pricing and operational efficiency for indexed products.
Delaware Life advanced its long-term strategy by adding innovative index options and enhancing its fixed index annuity portfolio. The company strengthened its presence in a competitive market and signaled further expansion in structured offerings. The collaboration with BlackRock set a benchmark for future annuity-linked digital asset solutions.
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