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Fixed Indexed Annuity

Denali 14

Silac Insurance Company

33

Jurisdictions

Product data status: June 28, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Live rate data

Run live numbers for Denali 14

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Silac Insurance Company product.

Available only in Alabama, Arkansas, Arizona, California, Colorado, Connecticut, District of Columbia, Florida, Georgia, Hawaii, Iowa, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Mississippi, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Oklahoma, Rhode Island, South Dakota, Tennessee, Virginia, Vermont, Wisconsin, West Virginia, Wyoming

Live rates shown when this state is selected. This filing is state-restricted, and the current request did not return rate rows for the selected scenario.

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All crediting strategies

Crediting strategies not available for this product

Current crediting strategy details were not returned for this product on this request. Confirm available strategies with the carrier or check back as data refreshes.

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Linked review

Denali 14 review notes

Explore the features, benefits, and potential drawbacks of the SILAC Denali Fixed Indexed Annuity in this comprehensive review.

Review rating details3/5
Financial strength2/5
Return potential4/5
Income and benefits3/5
Free benefits, liquidity, and costs3/5
Transparency and service3/5

CFA take

Offers a balanced mix of legacy planning and flexibility, supported by enhanced withdrawal features and optional riders that can meaningfully improve liquidity or provide upfront bonus-driven value alongside structured access to funds. However, product complexity and a relatively lower default liquidity during the withdrawal-charge period, with higher liquidity available only through added riders that introduce spread-based costs, along with only moderate insurer credit strength, may limit its appeal relative to simpler or more competitively structured alternatives.

Common questions about Denali 14

Can I lose money in Denali 14?

A negative index return by itself does not reduce the contract's account value: Denali 14 credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

Surrender schedule

Surrender schedule not available for this product

A surrender-charge schedule was not returned for this product on this request. Surrender terms often vary by state — confirm with the carrier before purchase.

Documents

Carrier documents not available for this product

Brochures, product guides, or contract disclosures were not returned for this product on this request. Request the state-specific brochure or specimen contract from the carrier before purchase.

Carrier Ratings

AM BestB+

Contract notes from product data

Verification note

Use carrier materials as term evidence, then confirm the current version

This page uses the current structured product data returned for the contract. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

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See how Denali 14 compares for your age, state, premium, and income goals alongside other Silac Insurance Company fixed indexed annuity options.

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