TLDR
- Delaware Life integrates BlackRock’s Bitcoin index into fixed index annuities for retirement solutions.
- BlackRock’s Bitcoin Trust offers digital asset exposure within Delaware Life’s annuity products.
- New partnership aims to offer diversified retirement strategies while protecting principal.
- The BlackRock U.S. Equity Bitcoin Balanced Risk 12% Index brings Bitcoin to traditional annuities.
In an innovative move within the retirement planning sector, Delaware Life Insurance Company has partnered with BlackRock to introduce Bitcoin exposure into its fixed indexed annuities (FIAs). This partnership marks a significant shift in how traditional financial products can integrate cryptocurrency, aiming to offer a modern solution for retirement planning.
LATEST: ⚡ Delaware Life Insurance Company has added BlackRock's U.S. Equity Bitcoin Balanced Risk 12% Index to its fixed index annuity portfolio, making it the first insurance carrier to offer an index that contains crypto. pic.twitter.com/dzuUuOE95S
— CoinMarketCap (@CoinMarketCap) January 21, 2026
The collaboration brings the BlackRock U.S. Equity Bitcoin Balanced Risk 12% Index to Delaware Life’s annuity products. This index blends Bitcoin with U.S. equities to create a diversified investment strategy. The move reflects a growing demand from investors for more diverse asset exposure, including digital assets like Bitcoin, all while maintaining the principal protection that FIAs offer.
Integrating Bitcoin with Traditional Annuity Products
The fixed indexed annuity is a type of insurance product designed to offer growth potential tied to a market index, with the added benefit of principal protection. Typically, FIAs allow the account value to grow based on the performance of a chosen index, such as U.S. stocks, with caps or participation rates limiting the potential returns. These annuities are popular among those planning for retirement because they provide a guaranteed income stream.
Through this partnership, Delaware Life has now added the BlackRock U.S. Equity Bitcoin Balanced Risk 12% Index to three of its annuity products: Momentum Growth, Momentum Growth Plus, and DualTrack Income. This addition aims to modernize the retirement planning process by incorporating Bitcoin, allowing clients to gain exposure to the cryptocurrency market while preserving the stability and security of a fixed indexed annuity.
The Role of BlackRock’s iShares Bitcoin Trust (IBIT)
The Bitcoin exposure within these annuities comes through BlackRock’s iShares Bitcoin Trust (IBIT), the largest Bitcoin exchange-traded fund (ETF) by assets under management. IBIT provides a cost-effective and transparent way for investors to gain exposure to Bitcoin without needing to directly hold the cryptocurrency.
According to BlackRock’s Global Head of Digital Assets, Robert Mitchnick, the launch of the BlackRock U.S. Equity Bitcoin Balanced Risk 12% Index is a response to the growing interest in digital assets. He added that this index allows insurance clients to integrate Bitcoin exposure into a broader, diversified annuity strategy, helping them manage risk while taking advantage of potential growth in digital assets.
A Shift in Retirement Planning Strategies
This partnership between BlackRock and Delaware Life reflects a broader trend of incorporating alternative assets like Bitcoin into traditional financial products. The move also responds to increasing client demand for more flexibility and diversification in retirement planning.
While digital assets have been a source of volatility, the addition of Bitcoin exposure to FIAs is designed to provide measured participation. By using dynamic cash allocations to target a 12% volatility rate, the BlackRock U.S. Equity Bitcoin Balanced Risk 12% Index aims to reduce the potential risks associated with Bitcoin, while still offering an opportunity for growth.
This approach allows clients to access cryptocurrency markets through a structured, balanced approach within a product that is still focused on principal protection. The collaboration also seeks to address the growing appetite for cryptocurrency exposure in retirement portfolios, a market that has evolved considerably in recent years.
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