Teton 5
Silac Insurance Company
7.75%
Best Cap
5%
Free W/D
48
States
A fixed indexed annuity designed for long-term retirement savings that protects your principal while offering growth potential tied to market indexes. It's ideal for conservative investors who want tax-deferred growth with guaranteed income options and penalty-free access for health emergencies.
Free Withdrawal
5%/yr
Available In
48 states
Min Premium
$10,000
Surrender
5 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Barclays Atlas 5 Index | Annual | -- | 170% | -- |
| Bloomberg Versa 10 Index | Annual | -- | 80% | -- |
| Nasdaq Generations 5 Index | Annual | -- | 165% | -- |
| S&P 500 Duo Swift Index (USD) ER | Annual | -- | 67% | -- |
| S&P 500 Index | Annual | 7.75% | 100% | -- |
| S&P 500 Index | Monthly | 2.65% | 100% | -- |
| S&P 500 RavenPack AI Index (USD) ER | Annual | -- | 100% | -- |
| Fixed Account | Daily | -- | -- | 3.75% |
Key Features
Principal Protection
0% minimum annual interestYour savings are 100% protected from market losses with an annual floor of 0% — you never earn negative returns
Crediting Strategies
Multiple options availableChoose from fixed interest (declared annually) or indexed strategies tied to market index performance
Tax Deferral
Taxes deferred until withdrawalGrowth compounds without annual tax withholding, letting more of your money work for you
Free Annual Withdrawals
5% annually, increases to 10% with Elevation ridersAccess up to 5% of your account value each year without withdrawal charges or market value adjustments
Interest Lock-In
Guaranteed once creditedOnce credited interest is locked in and cannot be lost to future market downturns
Withdrawal Charge Periods
4 term optionsChoose from 5, 7, 10, or 14-year terms; longer periods offer higher interest credits
Health-Based Withdrawals
100% access in qualifying eventsAccess funds penalty-free if confined to nursing home (90+ days), diagnosed with terminal illness, or needing home health care
Death Benefit
Full account value paid to beneficiaryYour beneficiary receives the full account value, avoiding probate delays
Spousal Continuation
Available at deathIf your spouse is the beneficiary, they can elect to continue the policy instead of taking a lump sum
Income Options
Flexible payout schedulesConvert to guaranteed income payments monthly, quarterly, semi-annually, or annually for life if desired
Highlights
100% principal protection with no direct downside market risk, even during market downturns
Flexible crediting strategies combining fixed rates and indexed options with annual 0% floor protection
Multiple liquidity options including 5% free annual withdrawals, RMDs, and health-based penalty-free access
Optional Elevation™ and Elevation Plus™ riders offering enhanced liquidity (10% free withdrawals) with cumulative carry-over up to 30%
Surrender Schedule
Yr 1
12.5%
Yr 2
12%
Yr 3
11%
Yr 4
10%
Yr 5
9%
After
0%
Home health care rider, Nursing home waiver, RMD waiver, Terminal illness waiver
Best For
Conservative to moderate investors seeking long-term retirement growth who want principal protection, tax deferral, and flexibility to access funds while potentially receiving guaranteed lifetime income.
Consider Alternatives If
Investors who need immediate access to their full principal without penalties, or those seeking maximum market upside without downside protection.
Carrier Ratings
Free Comparison Report
Get a personalized Teton 5 illustration
See year-by-year projections for your specific age, premium, and income goals.
Silac Insurance Company Discussions
E2E curl probe 1777013999000
Customer satisfaction drops 6 points while 92% of retirees fear inflation
DIAs vs SPIAs: Why Waiting 2 Years Could Boost Your Payout by 1.5-2%
Athene Aviator FIA: Does 'Simplified' Mean Lower Returns?
From the AdvisorWorld.com Community