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Fixed Indexed Annuity

Denali Bonus 14

Silac Insurance Company

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6.75%

Best S&P 500 Annual Cap

5%

Free W/D

32

Available jurisdictions

Product data status: August 6, 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.

Model this product

See what Denali Bonus 14 would do for you

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

Product analyzer
Illustrative — live CANNEX rates as of August 6, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$270,300
Est. value at age 80 (Denali Bonus 14)
6.75%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 6.75% 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 Bonus 14's published cap rate (6.75% 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 August 6, 2026.

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See how Denali Bonus 14 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 Bonus 14

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

Live product data

Rates as of August 6, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual cap rate

6.75% cap on S&P 500

A 14-year-surrender accumulation-only fixed indexed annuity from SILAC Insurance Company (A.M. Best B+), with a premium bonus credited on day one (vested on a graded multi-year schedule) pairing a recognizable S&P 500 annual point-to-point cap option with several proprietary participation-rate indexes and optional Elevation/Elevation Plus liquidity riders.

1-year term14-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who can commit to a 14-year deferral, want a recognizable S&P 500 cap option alongside proprietary participation-rate strategies, and are comfortable with a B+ A.M. Best carrier in exchange for the higher caps and participation rates SILAC tends to publish. Buyers who want enhanced access to contract value can add the Elevation or Elevation Plus liquidity rider.

AM Best

B+ Good

Surrender period

14 years

Free withdrawal

5%/yr

Availability

32 jurisdictions (restricted footprint)

Featured crediting strategies

Featured strategies use the selected state's rates. The full listing below labels other CANNEX state-rate variants separately.

Index / strategyRate mechanics

S&P 500

S&P 500 Index

6.75% cap rate

Annual cap

1-year term · 14-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

monthly sum cap

2.5% cap rate

Monthly sum

1-year term · 14-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

40% participation rate

Participation

1-year term · 14-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

monthly avg participation

75% participation rate

Participation

1-year term · 14-year surrender · Does not vary by premium

Fixed Account

Fixed Account

3.25% declared rate

Fixed account

1-year term · 14-year surrender · Does not vary by premium

+ 8 additional crediting options (S&P 500, Barclays Atlas, Nasdaq Generations...)

Product analyst notes

How to think about this contract

Why it can stand out

  • A premium bonus credits to the account value on day one and vests on a graded multi-year schedule, lifting the starting balance the index strategies grow on. The vesting schedule extends across the surrender window — confirm the schedule before relying on the full bonus in a short-horizon plan.
  • Crediting menu pairs a recognizable S&P 500 annual point-to-point cap with multiple participation-rate strategies on proprietary indexes (Barclays Atlas 5, Bloomberg Versa 10, Nasdaq Generations 5, S&P 500 Duo Swift, S&P 500 RavenPack AI), so buyers can hold a like-for-like S&P comparison option alongside higher-participation volatility-controlled alternatives in the same contract.
  • Two optional Liquidity Riders are filed on this contract — Elevation and Elevation Plus — letting buyers trade an ongoing rider charge for enhanced access to contract value beyond the standard free-withdrawal allowance.
  • Free-withdrawal allowance, the full surrender ladder, MVA flag, and surrender waivers (nursing-home, home-health-care, terminal-illness, and RMD) are all visible on this page rather than buried in a brochure.

What to confirm

  • This is NOT a guaranteed-lifetime-withdrawal product. The live feed shows zero income riders attached to Denali Bonus 14. The Elevation and Elevation Plus riders shown on this contract are Liquidity Riders (enhanced-access features), not GLWB lifetime-income riders — do not read them as a guaranteed payout for life.
  • The premium bonus vests on a graded schedule that extends across the surrender window — a contract exited before the bonus has fully vested forfeits part of the bonus on top of any surrender charge. Treat the bonus as a long-deferral incentive, not as immediately-available account value.
  • Most of the strategy menu sits in proprietary, volatility-controlled indexes — Barclays Atlas 5, Bloomberg Versa 10, Nasdaq Generations 5, S&P 500 Duo Swift, and S&P 500 RavenPack AI. Their participation rates can look high in absolute terms but are not directly comparable to an S&P 500 cap — evaluate each strategy on its own merits and its own back-tested behavior.
  • Surrender period runs a full 14 years and the first-year charge is meaningful, so this contract assumes the buyer can leave the principal locked beyond the free-withdrawal allowance for the duration of the schedule. A market value adjustment also applies on surrenders above the free-withdrawal allowance, which can move the actual amount received up or down with interest rates.
  • SILAC Insurance Company carries an A.M. Best rating of B+ (good), which is a notch below the A-/A range many large competitors hold. Buyers prioritizing top-tier carrier financial-strength should weigh the rating against the rate competitiveness — SILAC tends to publish unusually high caps and participation rates that compensate for the rating gap.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider (this contract carries none), want short-surrender liquidity, prefer a top-tier A-rated or A+-rated carrier, or want a plain MYGA-style declared rate — a long-surrender accumulation FIA from a B+ carrier is not built to deliver any of those.

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See how Denali Bonus 14 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 (52 strategies)

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

Par: 165% · 1-yr

S&P 500 RavenPack AI Index (USD) ER

participation

14-yr surrenderDoes not vary by premium

Par: 160% · 1-yr

Nasdaq Generations 5 Index

participation

14-yr surrenderDoes not vary by premium

Par: 155% · 1-yr

Barclays Atlas 5 Index

participation

14-yr surrenderDoes not vary by premium

Par: 100% · 1-yr

Barclays Atlas 5 Index

participation

14-yr surrenderDoes not vary by premium

Par: 100% · 1-yr

S&P 500 RavenPack AI Index (USD) ER

participation

14-yr surrenderDoes not vary by premium

Par: 100% · 1-yr

Nasdaq Generations 5 Index

participation

14-yr surrenderDoes not vary by premium

Par: 75% · 1-yr

S&P 500 Index

monthly_avg_participation

14-yr surrenderDoes not vary by premium

Par: 75% · 1-yr

Bloomberg Versa 10 Index

participation

14-yr surrenderDoes not vary by premium

Par: 60% · 1-yr

S&P 500 Duo Swift Index (USD) ER

participation

14-yr surrenderDoes not vary by premium

Par: 40% · 1-yr

S&P 500 Index

participation

14-yr surrenderDoes not vary by premium

Cap: 6.75% · 1-yr

S&P 500 Index

cap

14-yr surrenderDoes not vary by premium

Fixed: 3.25% · 1-yr

Fixed Account

fixed

14-yr surrenderDoes not vary by premium

Cap: 2.5% · 1-yr

S&P 500 Index

monthly_sum_cap

14-yr surrenderDoes not vary by premium

Par: 150% · 1-yr

S&P 500 RavenPack AI Index (USD) ER

Point-to-point

Other state rate set 1605Does not vary by premium

Par: 140% · 1-yr

Barclays Atlas 5 Index

Point-to-point

Other state rate set 1605Does not vary by premium

Par: 140% · 1-yr

Nasdaq Generations 5 Index

Point-to-point

Other state rate set 1605Does not vary by premium

Par: 100% · 1-yr

Barclays Atlas 5 Index

Point-to-point

Other state rate set 1605Does not vary by premium

Par: 100% · 1-yr

S&P 500 RavenPack AI Index (USD) ER

Point-to-point

Other state rate set 1605Does not vary by premium

Par: 100% · 1-yr

Nasdaq Generations 5 Index

Point-to-point

Other state rate set 1605Does not vary by premium

Par: 70% · 1-yr

S&P 500 Index

AV

Other state rate set 1605Does not vary by premium

Par: 67% · 1-yr

Bloomberg Versa 10 Index

Point-to-point

Other state rate set 1605Does not vary by premium

Par: 55% · 1-yr

S&P 500 Duo Swift Index (USD) ER

Point-to-point

Other state rate set 1605Does not vary by premium

Par: 42% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 1605Does not vary by premium

Cap: 6% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 1605Does not vary by premium

Fixed: 3% · 1-yr

Fixed Account

Fixed account

Other state rate set 1605Does not vary by premium

Cap: 2% · 1-yr

S&P 500 Index

Monthly sum

Other state rate set 1605Does not vary by premium

Par: 170% · 1-yr

S&P 500 RavenPack AI Index (USD) ER

Point-to-point

Other state rate set 1715Does not vary by premium

Par: 165% · 1-yr

Nasdaq Generations 5 Index

Point-to-point

Other state rate set 1715Does not vary by premium

Par: 160% · 1-yr

Barclays Atlas 5 Index

Point-to-point

Other state rate set 1715Does not vary by premium

Par: 100% · 1-yr

Barclays Atlas 5 Index

Point-to-point

Other state rate set 1715Does not vary by premium

Par: 100% · 1-yr

S&P 500 RavenPack AI Index (USD) ER

Point-to-point

Other state rate set 1715Does not vary by premium

Par: 100% · 1-yr

Nasdaq Generations 5 Index

Point-to-point

Other state rate set 1715Does not vary by premium

Par: 80% · 1-yr

S&P 500 Index

AV

Other state rate set 1715Does not vary by premium

Par: 77% · 1-yr

Bloomberg Versa 10 Index

Point-to-point

Other state rate set 1715Does not vary by premium

Par: 62% · 1-yr

S&P 500 Duo Swift Index (USD) ER

Point-to-point

Other state rate set 1715Does not vary by premium

Par: 47% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 1715Does not vary by premium

Cap: 7% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 1715Does not vary by premium

Fixed: 3.5% · 1-yr

Fixed Account

Fixed account

Other state rate set 1715Does not vary by premium

Cap: 2.5% · 1-yr

S&P 500 Index

Monthly sum

Other state rate set 1715Does not vary by premium

Par: 160% · 1-yr

S&P 500 RavenPack AI Index (USD) ER

Point-to-point

Other state rate set 7488Does not vary by premium

Par: 155% · 1-yr

Nasdaq Generations 5 Index

Point-to-point

Other state rate set 7488Does not vary by premium

Par: 150% · 1-yr

Barclays Atlas 5 Index

Point-to-point

Other state rate set 7488Does not vary by premium

Par: 100% · 1-yr

Barclays Atlas 5 Index

Point-to-point

Other state rate set 7488Does not vary by premium

Par: 100% · 1-yr

S&P 500 RavenPack AI Index (USD) ER

Point-to-point

Other state rate set 7488Does not vary by premium

Par: 100% · 1-yr

Nasdaq Generations 5 Index

Point-to-point

Other state rate set 7488Does not vary by premium

Par: 75% · 1-yr

S&P 500 Index

AV

Other state rate set 7488Does not vary by premium

Par: 72% · 1-yr

Bloomberg Versa 10 Index

Point-to-point

Other state rate set 7488Does not vary by premium

Par: 60% · 1-yr

S&P 500 Duo Swift Index (USD) ER

Point-to-point

Other state rate set 7488Does not vary by premium

Par: 40% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 7488Does not vary by premium

Cap: 6.5% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 7488Does not vary by premium

Fixed: 3% · 1-yr

Fixed Account

Fixed account

Other state rate set 7488Does not vary by premium

Cap: 2.25% · 1-yr

S&P 500 Index

Monthly sum

Other state rate set 7488Does 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 Bonus 14 review notes

Explore the features, benefits, and potential drawbacks of the SILAC Denali Bonus 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 Bonus 14

● Can I lose money in Denali Bonus 14?

A negative index return by itself does not reduce the contract's account value: Denali Bonus 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. 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 14 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 Bonus 14's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available Denali Bonus 14 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

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

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%

Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

Denali Bonus 14 Brochure.pdf

Confidence: highReviewed Apr 15, 2026

Direct link not published — request the document from the carrier.

brochure

Denali Bonus Brochure-3.pdf

Confidence: highReviewed Apr 8, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestB+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Denali Bonus 14 currently shows 43 distinct indexed or fixed crediting choices across 52 displayed rate entries, including S&P 500 Index, with 26 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 6.75% annual cap
  • S&P 500 Index: 2.5% monthly cap
  • S&P 500 Index: 6.5% annual point-to-point cap
  • S&P 500 Index: 2.25% monthly cap

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
  • 14 surrender years
  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

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

Carrier materials such as Denali Bonus 14 Brochure.pdf and Denali Bonus Brochure-3.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 2026. 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 Bonus 14 rate report

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

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