Denali Bonus 14
Silac Insurance Company
7.5%
Best Cap
5%
Free W/D
32
States
The Denali Bonus Series is a fixed indexed annuity designed for long-term retirement savings that protects your principal from market losses while offering growth opportunities through fixed or index-based interest crediting. It's ideal for retirees and near-retirees who want security with flexibility.
Free Withdrawal
5%/yr
Available In
32 states
Min Premium
$10,000
Surrender
14 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Barclays Atlas 5 Index | Annual | -- | 175% | -- |
| Bloomberg Versa 10 Index | Annual | -- | 72% | -- |
| Nasdaq Generations 5 Index | Annual | -- | 177% | -- |
| S&P 500 Duo Swift Index (USD) ER | Annual | -- | 65% | -- |
| S&P 500 Index | Annual | 7.5% | 100% | -- |
| S&P 500 Index | Monthly | 2.5% | 100% | -- |
| S&P 500 RavenPack AI Index (USD) ER | Annual | -- | 180% | -- |
| Fixed Account | Daily | -- | -- | 4% |
Key Features
Premium Bonus
3-10% depending on term selectedAn immediate bonus added to your initial premium to accelerate your retirement savings growth
Annual Floor Protection
0% minimumYour interest credits are guaranteed to never be less than 0% in any given year, regardless of market performance
Interest Lock-In
Permanent protection of gainsOnce interest is credited to your account, it's locked in and cannot be lost to future market declines
Free Withdrawals
5-10% per yearAccess up to 5% of account value annually after the first policy year without surrender charges (10% with Elevation riders)
Withdrawal Charge Period
7, 10, or 14 yearsYou select 7, 10, or 14-year terms; longer terms offer higher bonuses and interest rates
Tax-Deferred Growth
Full tax deferralInterest and bonuses accumulate without annual tax liability until you withdraw funds
Multiple Crediting Strategies
Customizable allocationChoose from fixed interest or multiple index-based strategies; reallocation available at each strategy term
Lifetime Income Option
5-10 year waiting periodConvert to guaranteed income payments on your schedule after the income waiting period
Full Death Benefit
100% of account valueYour beneficiary receives the full account value; spouse can continue the policy
Highlights
100% principal protection with no direct market downside risk while still accessing growth potential
Immediate premium bonus added to your initial investment to jumpstart retirement savings
Multiple liquidity options including 5-10% annual free withdrawals to handle life's unexpected expenses
Tax-deferred growth lets your money work longer before you pay taxes on withdrawals
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
Individuals within 10-15 years of retirement or already retired who want principal protection, tax-deferred growth, and occasional liquidity while building a secure retirement nest egg.
Consider Alternatives If
Investors who need immediate or frequent access to large portions of their money, or those seeking maximum market upside without any caps on growth should avoid this product.
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