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Fixed Indexed Annuity

Denali 5

Silac Insurance Company

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8.5%

Best S&P 500 Annual Cap

5%

Free W/D

34

Available jurisdictions

Product data status: updated regularly

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.

Model this product

See what Denali 5 would do for you

Set your numbers and switch between growth strategies and liquidity scenarios. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of September 4, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$300,821
Est. value at age 80 (Denali 5)
8.5%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 8.5% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Denali 5's published cap rate (8.5% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of September 4, 2026.

Free Comparison Report

Get a Denali 5 rate report

See how Denali 5 compares for your age, state, premium, and income goals alongside other Silac Insurance Company fixed indexed annuity options.

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rate data

Run numbers for Denali 5

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

Live product data

Rates as of September 4, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual cap rate

8.5% cap on S&P 500

The shorter SILAC Denali accumulation FIA with an S&P 500 cap, proprietary strategies, and optional liquidity riders.

1-year term5-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Accumulation buyers who want a shorter Denali filing and accept a lower carrier rating in exchange for its current strategy terms.

AM Best

B+ Good

Surrender period

5 years

Free withdrawal

5%/yr

Availability

34 jurisdictions (restricted footprint)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

8.5% cap rate

Annual cap

1-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

monthly sum cap

2.75% cap rate

Monthly sum

1-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

50% participation rate

Participation

1-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

monthly avg participation

97% participation rate

Participation

1-year term · 5-year surrender · Does not vary by premium

Fixed Account

Fixed Account

3.75% declared rate

Fixed account

1-year term · 5-year surrender · Does not vary by premium

+ 8 additional crediting options (S&P 500, Bloomberg Versa, Barclays Atlas...)

Product analyst notes

How to think about this contract

Why it can stand out

  • The shorter Denali chassis adds a new holding-period choice to the established family.
  • A recognizable S&P 500 cap sits alongside several volatility-controlled and alternative-index participation strategies.
  • Elevation and Elevation Plus appear as liquidity riders rather than lifetime-income riders.

What to confirm

  • The Elevation riders enhance liquidity; they are not GLWB lifetime-income guarantees.
  • Proprietary-index participation values are not directly comparable to the S&P 500 cap.
  • SILAC's B-plus A.M. Best rating is below many larger FIA carriers and should be weighed against the live terms.

Not ideal for

Buyers needing lifetime-income guarantees, top-tier carrier strength, or a plain fixed return.

Free Comparison Report

Get a Denali 5 rate report

See how Denali 5 compares for your age, state, premium, and income goals alongside other Silac Insurance Company fixed indexed annuity options.

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All crediting strategies

View rate listings (26 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 200% · 1-yr

S&P 500 RavenPack AI Index (USD) ER

participation

5-yr surrenderDoes not vary by premium

Par: 195% · 1-yr

Nasdaq Generations 5 Index

participation

5-yr surrenderDoes not vary by premium

Par: 190% · 1-yr

Barclays Atlas 5 Index

participation

5-yr surrenderDoes not vary by premium

Par: 100% · 1-yr

Barclays Atlas 5 Index

participation

5-yr surrenderDoes not vary by premium

Par: 100% · 1-yr

S&P 500 RavenPack AI Index (USD) ER

participation

5-yr surrenderDoes not vary by premium

Par: 100% · 1-yr

Nasdaq Generations 5 Index

participation

5-yr surrenderDoes not vary by premium

Par: 97% · 1-yr

S&P 500 Index

monthly_avg_participation

5-yr surrenderDoes not vary by premium

Par: 92% · 1-yr

Bloomberg Versa 10 Index

participation

5-yr surrenderDoes not vary by premium

Par: 75% · 1-yr

S&P 500 Duo Swift Index (USD) ER

participation

5-yr surrenderDoes not vary by premium

Par: 50% · 1-yr

S&P 500 Index

participation

5-yr surrenderDoes not vary by premium

Cap: 8.5% · 1-yr

S&P 500 Index

cap

5-yr surrenderDoes not vary by premium

Fixed: 3.75% · 1-yr

Fixed Account

fixed

5-yr surrenderDoes not vary by premium

Cap: 2.75% · 1-yr

S&P 500 Index

monthly_sum_cap

5-yr surrenderDoes not vary by premium

Par: 190% · 1-yr

S&P 500 RavenPack AI Index (USD) ER

Point-to-point

Does not vary by premium

Par: 185% · 1-yr

Nasdaq Generations 5 Index

Point-to-point

Does not vary by premium

Par: 180% · 1-yr

Barclays Atlas 5 Index

Point-to-point

Does not vary by premium

Par: 100% · 1-yr

Barclays Atlas 5 Index

Point-to-point

Does not vary by premium

Par: 100% · 1-yr

S&P 500 RavenPack AI Index (USD) ER

Point-to-point

Does not vary by premium

Par: 100% · 1-yr

Nasdaq Generations 5 Index

Point-to-point

Does not vary by premium

Par: 92% · 1-yr

S&P 500 Index

AV

Does not vary by premium

Par: 87% · 1-yr

Bloomberg Versa 10 Index

Point-to-point

Does not vary by premium

Par: 72% · 1-yr

S&P 500 Duo Swift Index (USD) ER

Point-to-point

Does not vary by premium

Par: 47% · 1-yr

S&P 500 Index

Point-to-point

Does not vary by premium

Cap: 8% · 1-yr

S&P 500 Index

Point-to-point

Does not vary by premium

Fixed: 3.5% · 1-yr

Fixed Account

Fixed account

Does not vary by premium

Cap: 2.75% · 1-yr

S&P 500 Index

Monthly sum

Does not vary by premium

Accumulation profile

Accumulation-focused contract

The CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Linked review

Denali 5 review notes

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

3/5Read 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.”

Nikhil Bhauwala

Common questions about Denali 5

● Can I lose money in Denali 5?

A negative index return by itself does not reduce the contract's account value: Denali 5 credits 0% — the floor — for that indexed period. The account value can still decrease from withdrawals, surrender charges, other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 5% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● When can I access my money without a surrender charge?

Up to 5% of your account value each year is penalty-free. The scheduled surrender charges run 5 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Denali 5's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available Denali 5 strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

5%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

4

Home health care rider, Nursing home waiver, RMD waiver, Terminal illness waiver

Death benefit

Account Value DB

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Cap-rate floor

1.50%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

2.50%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

15.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Certain period, Joint life, Single life

Published payout options from the normalized contract facts.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

12%

Yr 2

12%

Yr 3

11%

Yr 4

10%

Yr 5

9%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver

Documents

Carrier documents not available for this product

Brochures, product guides, or contract disclosures are currently unavailable for this product. Request the state-specific brochure or specimen contract from the carrier before purchase.

Carrier Ratings

AM BestB+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Denali 5 currently shows 25 distinct indexed or fixed crediting choices across 26 displayed rate entries, including S&P 500 Index, with 16 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 8.5% annual cap
  • S&P 500 Index: 2.75% monthly cap
  • S&P 500 Index: 8% annual point-to-point cap
  • S&P 500 Index: 50% annual participation rate

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 5%/yr free withdrawal
  • 5 surrender years
  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

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

This page uses the current structured product information 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

Free Comparison Report

Get a Denali 5 rate report

See how Denali 5 compares for your age, state, premium, and income goals alongside other Silac Insurance Company fixed indexed annuity options.

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