Denali Bonus 10
Silac Insurance Company
7.25%
Best Cap
5%
Free W/D
49
States
The Denali Bonus Series is a fixed indexed annuity that protects your retirement savings from market losses while providing growth potential and flexible access to your money. It's designed for people who want guaranteed principal protection without giving up the chance to earn competitive returns.
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 | -- | 170% | -- |
| Bloomberg Versa 10 Index | Annual | -- | 65% | -- |
| Nasdaq Generations 5 Index | Annual | -- | 172% | -- |
| S&P 500 Duo Swift Index (USD) ER | Annual | -- | 65% | -- |
| S&P 500 Index | Annual | 7.25% | 100% | -- |
| S&P 500 Index | Monthly | 2.25% | 100% | -- |
| S&P 500 RavenPack AI Index (USD) ER | Annual | -- | 100% | -- |
| Fixed Account | Daily | -- | -- | 4% |
Key Features
Principal Protection
100% principal protectedYour entire investment is guaranteed safe from market declines; you'll never earn less than 0% in any year
Premium Bonus
3-5% additional (Elevation Plus offers higher)An immediate bonus is added to your purchase amount on day one, giving you instant growth
Interest Crediting Options
Multiple options availableChoose between a fixed guaranteed rate declared annually, or indexed strategies tied to market performance with an annual 0% floor
Free Annual Withdrawals
5% base (10% with Elevation riders)Access your money each year without penalties or surrender charges
Cumulative Withdrawals
Up to 30% cumulative with ElevationUnused annual free withdrawal amounts can carry over to future years
Health-Related Benefits
100% for nursing home/terminal illness; 20% annually for home healthFull or partial penalty-free withdrawals if you need nursing home care, terminal illness support, or home health services
Tax-Deferred Growth
Full tax deferralYour interest credits accumulate without annual tax liability until you withdraw
Death Benefit
100% of account valueFull account value passes to beneficiaries outside of probate; spouse can continue the policy
Income Options
Monthly, quarterly, semi-annual, or annualGuaranteed income payments available after 5-10 year income waiting period, flexible frequency
Highlights
100% principal protection with no direct market downside risk, even during market downturns
Immediate premium bonus added to your initial investment, plus annual interest credits that lock in and can't be lost
Flexible access to funds with 5-10% free annual withdrawals, plus special benefits for nursing home care, terminal illness, and home health needs
Choice of fixed guaranteed interest rates or indexed crediting strategies tied to market performance
Optional Elevation riders provide 10% annual free withdrawals with cumulative carry-forward up to 30%
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
Investors age 0-90 seeking long-term retirement growth who want principal protection, guaranteed income options, and flexible access to emergency funds without market risk.
Consider Alternatives If
Investors who need immediate full access to their capital or those seeking short-term market growth without surrender limitations should avoid this product.
Carrier Ratings
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