Teton 14
Silac Insurance Company
7.75%
Best Cap
5%
Free W/D
35
States
A fixed indexed annuity designed for long-term retirement savings that offers principal protection, tax-deferred growth, and flexibility to choose between guaranteed fixed rates or index-linked returns. Ideal for retirees seeking security with growth potential.
Free Withdrawal
5%/yr
Available In
35 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 | -- | 77% | -- |
| Nasdaq Generations 5 Index | Annual | -- | 100% | -- |
| S&P 500 Duo Swift Index (USD) ER | Annual | -- | 65% | -- |
| S&P 500 Index | Annual | 7.75% | 100% | -- |
| S&P 500 Index | Monthly | 2.75% | 100% | -- |
| S&P 500 RavenPack AI Index (USD) ER | Annual | -- | 185% | -- |
| Fixed Account | Daily | -- | -- | 4% |
Key Features
Principal Protection
100% guaranteedYour account value is 100% protected from market fluctuations with no direct downside risk
Annual Floor Protection
0% minimum annual returnYou will never earn less than 0% interest in any crediting strategy term, even during market downturns
Interest Credit Lock-In
Permanent lock-inOnce interest is credited to your account, it cannot be lost due to future market changes
Tax-Deferred Growth
Tax deferral benefitInterest earnings grow without annual tax obligations until you choose to withdraw funds
Free Annual Withdrawals
5% free withdrawalWithdraw up to 5% of account value annually without surrender charges after year one
Crediting Strategy Flexibility
Multiple optionsChoose from multiple fixed and indexed crediting strategies and reallocate annually without penalties
Required Minimum Distributions
RMD-friendlyRMDs are treated as free withdrawals and can begin immediately without withdrawal charges
Health-Based Withdrawal Benefits
No charges for qualifying eventsPenalty-free access to 100% of funds if confined to nursing home, diagnosed with terminal illness, or needing home health care
Death Benefit
100% account value transferFull account value passes to beneficiaries outside of probate; spouses can continue the policy
Income Options
Lifetime income availableConvert to guaranteed lifetime income or other scheduled payment options at your choosing
Highlights
100% principal protection with no direct market downside risk while maintaining growth potential through indexed crediting strategies
Flexible withdrawal options including 5% annual free withdrawals, cumulative carry-over up to 30%, and penalty-free access for qualifying life events
Multiple crediting strategies (fixed and indexed) with annual floor protection of 0% and interest lock-in guarantee once credited
Optional riders (Elevation™ and Elevation Plus™) provide enhanced liquidity and premium bonuses to customize your retirement strategy
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
Investors nearing or in retirement who prioritize capital preservation and tax-deferred growth while wanting some market-linked upside potential and flexibility to access funds for healthcare needs or legacy planning.
Consider Alternatives If
Investors requiring immediate liquidity or those who cannot commit to a multi-year withdrawal charge period without incurring fees.
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