Teton Bonus 10
Silac Insurance Company
6%
Best Cap
5%
Free W/D
49
States
The Teton® Bonus is a fixed indexed annuity designed for retirement savers who want both growth potential and downside protection, offering an immediate bonus, guaranteed minimums, and multiple crediting strategy choices.
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 | -- | 135% | -- |
| Bloomberg Versa 10 Index | Annual | -- | 62% | -- |
| Nasdaq Generations 5 Index | Annual | -- | 130% | -- |
| S&P 500 Duo Swift Index (USD) ER | Annual | -- | 55% | -- |
| S&P 500 Index | Annual | 6% | 100% | -- |
| S&P 500 Index | Monthly | 2.15% | 100% | -- |
| S&P 500 RavenPack AI Index (USD) ER | Annual | -- | 100% | -- |
| Fixed Account | Daily | -- | -- | 2.5% |
Key Features
Premium Bonus
3-5% depending on term lengthImmediate bonus added to your initial premium on day one, increasing your account value right away
Principal Protection
100% guaranteedYour money is 100% protected from market losses with no direct downside market risk
Annual Floor Protection
0% minimum annual floorYou will never earn less than 0% interest in any crediting strategy term, even during market downturns
Interest Lock-In
Permanent once creditedOnce interest is credited to your account, it cannot be lost due to future market changes
Free Withdrawals
5% annually (10% with Elevation riders)Penalty-free access to a portion of your account annually after the first year without withdrawal charges
Tax Deferral
Full tax deferral on growthGrowth compounds tax-free until you withdraw funds, allowing more of your money to work for you
Withdrawal Charge Period
5, 7, 10, or 14-year optionsChoose your commitment period based on financial goals; longer terms offer higher bonuses
Crediting Strategy Options
Multiple fixed and indexed optionsChoose between fixed interest rate or indexed strategies tied to market index performance; reallocate annually
Cumulative Free Withdrawals
Up to 30% cumulative maximumWith Elevation riders, unused annual free withdrawals can roll over to future years
Death Benefit
100% account value guaranteedYour 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 rather than take a lump sum
Income Options
Multiple payout frequenciesElect guaranteed lifetime income payments in monthly, quarterly, semi-annual, or annual intervals
Health-Based Withdrawals
100% access for nursing home/terminal illness; 20% annually for home healthAccess funds penalty-free if you enter a nursing home, develop a terminal illness, or need home health care
Highlights
Immediate premium bonus (3-5%) added to your initial investment on day one
100% principal protection with no direct downside market risk, even during market downturns
Choice of fixed or indexed crediting strategies with annual 0% floor protection and interest lock-in
Flexible withdrawal options including 5% free withdrawals annually plus enhanced liquidity riders
Tax-deferred growth with guaranteed income options and full account value death benefit
Surrender Schedule
Yr 1
12%
Yr 2
12%
Yr 3
11%
Yr 4
10%
Yr 5
9%
Yr 6
8%
Yr 7
7%
Yr 8
6%
Yr 9
4%
Yr 10
2%
After
0%
Home health care rider, Nursing home waiver, RMD waiver, Terminal illness waiver
Best For
Individuals approaching or in retirement who prioritize principal safety and guaranteed growth while wanting tax-deferred accumulation and the potential for market-linked returns.
Consider Alternatives If
People who need immediate access to their full account value without penalties, since withdrawal charges apply during the commitment period for excess withdrawals.
Carrier Ratings
Free Comparison Report
Get a personalized Teton Bonus 10 illustration
See year-by-year projections for your specific age, premium, and income goals.
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