Denali 10
Silac Insurance Company
9.5%
Best Cap
5%
Free W/D
49
States
The SILAC Denali Series is a fixed indexed annuity designed for long-term retirement savings that protects your principal from market losses while offering growth potential and tax-deferred accumulation with flexible access to your funds.
Free Withdrawal
5%/yr
Available In
49 states
Min Premium
$10,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Barclays Atlas 5 Index | Annual | -- | 205% | -- |
| Bloomberg Versa 10 Index | Annual | -- | 80% | -- |
| Nasdaq Generations 5 Index | Annual | -- | 210% | -- |
| S&P 500 Duo Swift Index (USD) ER | Annual | -- | 82% | -- |
| S&P 500 Index | Annual | 9.5% | 100% | -- |
| S&P 500 Index | Monthly | 3.25% | 100% | -- |
| S&P 500 RavenPack AI Index (USD) ER | Annual | -- | 100% | -- |
| Fixed Account | Daily | -- | -- | 4.75% |
Key Features
Annual Floor Protection
0% minimumGuaranteed minimum interest credit of 0% each year, regardless of market performance
Interest Credit Lock-In
Permanent once creditedOnce interest is credited to your account, it stays locked in and cannot be lost due to future market changes
Free Withdrawals
5% base; 10% with Elevation riderAccess a percentage of your account value annually without withdrawal charges after the first policy year
Indexed & Fixed Options
Multiple strategies availableChoose between fixed interest rates or market-indexed strategies that tie to external market indexes like the S&P 500
Tax-Deferred Growth
Full deferral until withdrawalInterest credits accumulate without annual tax reporting until you withdraw funds
Withdrawal Charge Period
7-, 10-, or 14-year termsThree term options that determine how long surrender charges apply and how much interest is credited
Death Benefit
100% account value at deathYour beneficiaries receive the full account value, avoiding probate delays
Health-Related Withdrawals
Up to 100% in qualifying situationsWithdraw funds penalty-free if you need nursing home care, terminal illness treatment, or home health services
Highlights
Principal protection with 0% annual floor—your money never loses value due to market downturns
Flexibility to access funds through multiple withdrawal options while still growing your retirement savings
Choice of fixed or indexed interest strategies with locked-in credits that can't be lost to future market changes
Enhanced liquidity riders available to increase free withdrawal percentages up to 10% annually
Surrender Schedule
Yr 1
10%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
After
0%
Home health care rider, Nursing home waiver, RMD waiver, Terminal illness waiver
Best For
Individuals seeking long-term retirement accumulation who want principal protection from market downturns, tax-deferred growth, and periodic access to funds without taking on direct market risk.
Consider Alternatives If
Those who need immediate full access to their capital, since withdrawal charges apply during the 7-14 year term if you exceed the free withdrawal percentage.
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