Denali 14
Silac Insurance Company
9.75%
Best Cap
5%
Free W/D
33
States
A fixed indexed annuity designed for long-term retirement savings that protects your principal from market downturns while providing growth potential and flexible access to funds through multiple withdrawal options.
Free Withdrawal
5%/yr
Available In
33 states
Min Premium
$10,000
Surrender
14 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Barclays Atlas 5 Index | Annual | -- | 210% | -- |
| Bloomberg Versa 10 Index | Annual | -- | 77% | -- |
| Nasdaq Generations 5 Index | Annual | -- | 215% | -- |
| S&P 500 Duo Swift Index (USD) ER | Annual | -- | 82% | -- |
| S&P 500 Index | Annual | 9.75% | 100% | -- |
| S&P 500 Index | Monthly | 3.25% | 100% | -- |
| S&P 500 RavenPack AI Index (USD) ER | Annual | -- | 220% | -- |
| Fixed Account | Daily | -- | -- | 5% |
Key Features
Annual Floor Protection
0%Guaranteed minimum interest credit of 0% each year, regardless of market performance
Interest Credit Lock-In
Permanent lock-inOnce interest is credited, it cannot be lost due to future market declines
Free Withdrawals
5% (base) / 10% (with Elevation riders)Withdraw annually without surrender charges after year one
Cumulative Withdrawals
30% max (with Elevation riders)Unused free withdrawal amounts roll over to next year up to a maximum
Tax-Deferred Growth
Full deferralEarnings accumulate without annual tax reporting until withdrawal
Withdrawal Charge Period
7, 10, or 14 yearsAvailable in 7, 10, or 14-year terms; longer terms offer higher interest credits
Death Benefit
100% of account valueFull account value passes to beneficiaries, avoiding probate
Health-Related Withdrawals
100% (nursing home & terminal illness) / 20% per year for 5 years (home health)Access up to 100% penalty-free if confined to nursing home, terminally ill, or need home health care
Highlights
Principal protection with 0% annual floor—your money never loses value in down markets
Multiple crediting strategies including fixed and indexed options for flexibility and diversification
Enhanced liquidity with free withdrawals (5% standard, up to 10% with Elevation riders) plus cumulative rollover options
Built-in death benefit and spousal continuation—leave a full legacy without probate
Tax-deferred growth lets your retirement savings work longer before taxes are due
Surrender Schedule
Yr 1
14.75%
Yr 2
13.75%
Yr 3
12.75%
Yr 4
11.75%
Yr 5
10.75%
Yr 6
10%
Yr 7
9%
Yr 8
8%
Yr 9
7%
Yr 10
6%
Yr 11
5%
Yr 12
4%
Yr 13
3%
Yr 14
2%
After
0%
Home health care rider, Nursing home waiver, RMD waiver, Terminal illness waiver
Best For
Retirees and near-retirees seeking principal protection, tax-deferred growth, and flexible access to retirement savings without direct market risk.
Consider Alternatives If
Investors who need immediate liquidity within the first year or who require frequent access to all their funds without restrictions.
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