Teton Bonus 5
Silac Insurance Company
5.75%
Best Cap
5%
Free W/D
48
States
Teton® Bonus is a fixed indexed annuity designed for long-term retirement savings that combines guaranteed income potential with market-linked growth opportunities. It's ideal for conservative investors seeking protection from market losses while maintaining growth potential and tax-deferred accumulation.
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 | -- | 135% | -- |
| Bloomberg Versa 10 Index | Annual | -- | 60% | -- |
| Nasdaq Generations 5 Index | Annual | -- | 130% | -- |
| S&P 500 Duo Swift Index (USD) ER | Annual | -- | 52% | -- |
| S&P 500 Index | Annual | 5.75% | 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 length (5, 7, 10, or 14 years)Immediate bonus added to your premium at purchase based on withdrawal charge period selected
Principal Protection
No direct downside market riskYour savings are protected from market fluctuations with 100% principal guaranteed
Annual Floor Protection
0% annual floor on indexed strategiesMinimum interest credit guaranteed regardless of market performance
Interest Lock-In
PermanentOnce interest is credited, it cannot be lost due to future market changes
Free Withdrawals
5% of account value (10% with Elevation riders)Annual penalty-free withdrawal allowed after first year without withdrawal charges
Crediting Flexibility
Multiple options including fixed interest strategyChoose from multiple fixed and indexed crediting strategies, with ability to reallocate annually
Tax Deferral
No annual tax reportingGrowth compounds tax-deferred until you access funds
Health-Related Withdrawals
100% access in qualifying situationsPenalty-free withdrawals available for nursing home confinement, terminal illness, or home health care
Death Benefit
Includes full premium bonusFull account value passes to beneficiaries, avoiding probate
Spousal Continuation
Available if spouse is owner or beneficiarySpouse can elect to continue the policy at death instead of receiving lump sum
Income Options
Monthly, quarterly, semi-annual, or annual payout optionsCan convert annuity to guaranteed lifetime income stream at any time
Highlights
Immediate 3-5% premium bonus added to your initial investment
100% principal protection with no direct downside market risk
Flexible crediting strategies combining fixed rates and indexed options with 0% annual floor protection
Enhanced liquidity options available through optional Elevation and Elevation Plus riders
Tax-deferred growth with access to funds through free withdrawals, RMDs, and health-related benefits
Surrender Schedule
Yr 1
12%
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 savings with principal protection, tax deferral, and flexibility to combine guaranteed income with market-linked growth potential.
Consider Alternatives If
Investors who need immediate access to their full investment without penalties, as this product is designed for long-term retirement savings with a multi-year withdrawal charge period.
Carrier Ratings
Free Comparison Report
Get a personalized Teton Bonus 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