Teton Bonus 14
Silac Insurance Company
6%
Best Cap
5%
Free W/D
32
States
The Teton® Bonus is a fixed indexed annuity designed for long-term retirement savers who want principal protection, guaranteed minimums, and the potential for market-linked growth without downside risk. It's ideal for those seeking stable income in retirement with flexibility and tax-deferral benefits.
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 | -- | 140% | -- |
| Bloomberg Versa 10 Index | Annual | -- | 67% | -- |
| Nasdaq Generations 5 Index | Annual | -- | 100% | -- |
| 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 | -- | 150% | -- |
| Fixed Account | Daily | -- | -- | 3% |
Key Features
Premium Bonus
3-5%Immediate credit of 3-5% of your premium added to your account value at purchase
Principal Protection
100% protectedYour account value is 100% protected from market fluctuations with no downside risk
Annual Floor Protection
0% annual minimumYou never earn less than 0% interest in any year, even if the underlying index declines
Interest Credit Lock-In
Permanent creditingOnce interest is credited to your account, it cannot be lost due to future market changes
Free Withdrawals
5-10% annuallyAccess up to 5% of account value annually without charges (10% with Elevation riders)
Tax-Deferred Growth
Tax deferredInterest and bonuses grow tax-free until you withdraw funds in retirement
Withdrawal Charge Period
5, 7, 10, or 14 yearsChoose between 5-, 7-, 10-, or 14-year terms; longer terms offer higher bonuses
Crediting Strategies
Multiple optionsMix and match fixed interest rates and indexed strategies; reallocate annually
Income Options
Lifetime availableConvert your account to guaranteed lifetime income or specified payment schedules
Health-Related Withdrawals
100% availableWithdraw up to 100% penalty-free if confined to nursing home or diagnosed with terminal illness
Death Benefit
Full account valueFull account value passes to beneficiaries, including the premium bonus, outside probate
Highlights
Immediate premium bonus of 3-5% added to your initial investment at purchase
100% principal protection with no direct market risk, even during downturns
Flexible crediting strategies—choose fixed rates or index-linked growth with annual 0% floor protection
Multiple liquidity options including 5% annual free withdrawals and enhanced options with optional riders
Tax-deferred growth lets your retirement savings compound without annual tax drag
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 10+ years from retirement who prioritize principal safety, want immediate growth through bonus crediting, prefer tax deferral, and seek flexibility with downside protection and potential market participation.
Consider Alternatives If
Investors who need immediate access to all funds without penalty, are in low tax brackets, or prefer liquid, easily accessible savings vehicles without surrender periods.
Carrier Ratings
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