A.M. Best B+ rated · 28 products
Silac Insurance Company Annuities
Silac Insurance Company is an A.M. Best B+-rated annuity carrier. The current lineup includes 28 fixed indexed and multi-year guaranteed annuity products. A current annuity rate highlight is Secure Savings Elite at 4.75% rate. Below: current annuity rates, financial-strength ratings, product reviews when available, and the full lineup.
Current rating
B+
A.M. Best - B+
Annuity products
28
28 products across FIA and MYGA families
Reviewed
June 9, 2026
Annuity rate pages refresh with the site.
Carrier Snapshot
Basic carrier facts, rating context, and available annuity product families.
Carrier
SILAC Insurance Company
Annuity products
28
Product types
FIA, MYGA
Product Map
Product pages
26 FIA product pages, 2 MYGA product pages
Product families
Teton, Teton Bonus, Denali, Denali Bonus, Evolve, Evolve Bonus, Vega, Vega Bonus, plus 2 more
Product types
FIA, MYGA
State-specific links
No related state-specific page pairs are currently attached
Financial Strength
The current rating view beside the annuity product lineup.
- Category
- B+
Rating value returned by the current rate feed.
Carrier Profile
About Silac Insurance Company
SILAC Insurance Company, headquartered in Salt Lake City, Utah, is a long-standing U.S. life and annuity carrier specializing in fixed and fixed indexed annuities, multi-year guaranteed annuities (MYGAs), and Medicare Supplement insurance. Originally founded in 1935 as Equitable Life & Casualty Insurance Company, the company rebranded to SILAC in 2020 to reflect its national expansion and modernized product line.
SILAC focuses on delivering retirement and income solutions designed for guaranteed growth, income protection, and principal safety. The insurer’s product suite includes its flagship Secure Savings™ and Teton™ fixed indexed annuity series, as well as Secure Savings Elite™, catering to a range of investment horizons and liquidity needs.
Operating in 49 states and the District of Columbia (excluding New York), SILAC has established itself as a consistent performer in the fixed annuity space, recognized for competitive crediting rates, simplified contract designs, and strong independent distribution partnerships.
Financial Strength In Plain English
The ratings for SILAC Insurance have been placed under review with negative implications due to concerns over the quality of its reinsurance counterparties and collateral investments. Increased reinsurance leverage and a decline in risk-adjusted capitalization have prompted this reassessment. SILAC's financial flexibility is also noted as somewhat limited, which could affect its ability to manage growth or recover from investment losses. The resolution of the review will depend on AM Best’s assessment of SILAC's forthcoming strategic and capital management plans.
ARHQ Notes
From Our Coverage
First-party review context and product-page notes, kept separate from current rate data.
Product Highlights
Short notes from product pages.
Denali 10
A 10-year-surrender accumulation-only fixed indexed annuity from SILAC Insurance Company (A.M. Best B+), pairing a recognizable S&P 500 annual point-to-point cap option with several proprietary participation-rate indexes and optional Elevation/Elevation Plus liquidity riders.
Open product pageSecure Savings
A multi-year guaranteed annuity from SILAC Insurance Company (A.M. Best B+) offering flat declared rates at 2/3/5-year terms with a 5-year declining surrender ladder, an annual free-withdrawal allowance, RMD waiver, and a market value adjustment on surrenders beyond the free-withdrawal allowance.
Open product pageDenali 14
A 14-year-surrender accumulation-only fixed indexed annuity from SILAC Insurance Company (A.M. Best B+), pairing a recognizable S&P 500 annual point-to-point cap option with several proprietary participation-rate indexes and optional Elevation/Elevation Plus liquidity riders.
Open product pageFeatures
Features
Index options, riders, and term choices pulled into one quick scan.
FIA Products
Teton
4 product pages
Teton 10, Teton 14, Teton 5, Teton 7
Teton Bonus
4 product pages
Teton Bonus 10, Teton Bonus 14, Teton Bonus 5, Teton Bonus 7
Denali
3 product pages
Denali 10, Denali 14, Denali 7
Denali Bonus
3 product pages
Denali Bonus 10, Denali Bonus 14, Denali Bonus 7
Evolve
3 product pages
Evolve 10, Evolve 14, Evolve 7
Evolve Bonus
3 product pages
Evolve Bonus 10, Evolve Bonus 14, Evolve Bonus 7
Vega
3 product pages
Vega 10, Vega 14, Vega 7
Vega Bonus
3 product pages
Vega Bonus 10, Vega Bonus 14, Vega Bonus 7
MYGA Products
Secure Savings
Secure Savings
Open the product page for live rates, state availability, and term-specific detail.
Secure Savings Elite
Secure Savings Elite
Open the product page for live rates, state availability, and term-specific detail.
Live Coverage
Product Coverage
Each annuity product page links to current rates, terms, and product details.
A001GQ
Denali 10
- Coverage
- ARHQ product page
- Live signal
- Available
A001GS
Denali 14
- Coverage
- ARHQ product page
- Live signal
- Available
A001GI
Denali 7
- Coverage
- ARHQ product page
- Live signal
- Available
A001H0
Denali Bonus 10
- Coverage
- ARHQ product page
- Live signal
- Available
A001H2
Denali Bonus 14
- Coverage
- ARHQ product page
- Live signal
- Available
A001GU
Denali Bonus 7
- Coverage
- ARHQ product page
- Live signal
- Available
A002RF
Evolve 10
- Coverage
- ARHQ product page
- Live signal
- Available
A002RH
Evolve 14
- Coverage
- ARHQ product page
- Live signal
- Available
A002RA
Evolve 7
- Coverage
- ARHQ product page
- Live signal
- Available
A002RL
Evolve Bonus 10
- Coverage
- ARHQ product page
- Live signal
- Available
A002RN
Evolve Bonus 14
- Coverage
- ARHQ product page
- Live signal
- Available
A002RJ
Evolve Bonus 7
- Coverage
- ARHQ product page
- Live signal
- Available
A001J1
Teton 10
- Coverage
- ARHQ product page
- Live signal
- Available
A001J3
Teton 14
- Coverage
- ARHQ product page
- Live signal
- Available
A0021T
Teton 5
- Coverage
- ARHQ product page
- Live signal
- Available
A001IZ
Teton 7
- Coverage
- ARHQ product page
- Live signal
- Available
A001J7
Teton Bonus 10
- Coverage
- ARHQ product page
- Live signal
- Available
A001J9
Teton Bonus 14
- Coverage
- ARHQ product page
- Live signal
- Available
A0021V
Teton Bonus 5
- Coverage
- ARHQ product page
- Live signal
- Available
A001J5
Teton Bonus 7
- Coverage
- ARHQ product page
- Live signal
- Available
A001HX
Vega 10
- Coverage
- ARHQ product page
- Live signal
- Available
A001HZ
Vega 14
- Coverage
- ARHQ product page
- Live signal
- Available
A001HQ
Vega 7
- Coverage
- ARHQ product page
- Live signal
- Available
A001IL
Vega Bonus 10
- Coverage
- ARHQ product page
- Live signal
- Available
A001IT
Vega Bonus 14
- Coverage
- ARHQ product page
- Live signal
- Available
A001II
Vega Bonus 7
- Coverage
- ARHQ product page
- Live signal
- Available
A001FR
Secure Savings
- Coverage
- Live rate feed
- Live signal
- 3.45% Rate
A001FV
Secure Savings Elite
- Coverage
- Live rate feed
- Live signal
- 4.75% Rate
Important Notes
Items that may differ from older reviews, cached pages, or carrier materials.
SILAC has a large FIA lineup organized around Denali, Evolve, Teton, and Vega product groups, plus Secure Savings MYGA pages.
Base, bonus, and term variants stay separate because they are separate mapped products.
Ranked screens may show fewer products after state, premium, product type, strategy, and ranking filters.
Similar product names stay on separate pages when the data maps them as distinct products or contract versions.
No related state-specific product-page links are currently attached to this carrier profile.
Source Links
Carrier and ARHQ product pages used for this profile.
Browse
Silac Insurance Company Product Families
Product-list pages carry the full tables, filters, and detail links.
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