Teton Bonus 7
Silac Insurance Company
6%
Best Cap
5%
Free W/D
49
States
The Teton® Bonus is a fixed indexed annuity that combines guaranteed growth potential with market-linked upside and principal protection. It's designed for retirees who want tax-deferred savings with flexibility to access their money when they need it.
Free Withdrawal
5%/yr
Available In
49 states
Min Premium
$10,000
Surrender
7 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%An immediate bonus credited to your account at purchase, ranging from 3-5% depending on your withdrawal charge period selection
Principal Protection
100%Your savings are guaranteed never to decline due to market performance; you're protected from downside risk
Annual Floor
0% minimumNo matter what the underlying index does, you'll never earn less than 0% interest in any year
Interest Lock-In
Permanent creditOnce interest is credited to your account, it's locked in permanently and cannot be lost to future market declines
Free Withdrawals
5-10% annuallyAccess a percentage of your account value penalty-free each year after year one; higher percentage with Elevation riders
Withdrawal Charge Periods
5, 7, 10, or 14 yearsChoose 5, 7, 10, or 14-year commitment periods; longer periods offer higher bonuses and better interest rates
Income Options
Monthly to annualConvert your annuity to guaranteed lifetime income payments on a schedule you choose
Health-Based Benefits
Up to 100% accessPenalty-free withdrawals if you enter a nursing home, face a terminal illness, or need home health care
Tax Deferral
Tax-deferred growthAvoid annual taxes on growth until you withdraw your money, allowing more compounding
Death Benefit
Full account valueYour beneficiary receives the full account value, avoiding probate; spouse can continue the policy
Highlights
Immediate premium bonus (3-5%) added to your purchase, giving you instant growth
100% principal protection with no direct market risk, even during downturns
Choice of fixed or indexed crediting strategies with 0% annual floor protection
Flexible access to your money with 5%, 10%, or cumulative free withdrawals depending on your plan
Optional Elevation riders add even more liquidity and bonus benefits
Surrender Schedule
Yr 1
12%
Yr 2
12%
Yr 3
11%
Yr 4
10%
Yr 5
9%
Yr 6
7%
Yr 7
4%
After
0%
Home health care rider, Nursing home waiver, RMD waiver, Terminal illness waiver
Best For
Individuals aged 0-90 seeking tax-deferred retirement savings who want principal protection, market upside potential, and flexible access to their money without stock market risk.
Consider Alternatives If
Investors who need immediate, unrestricted access to all their funds or those seeking pure stock market exposure with unlimited upside.
Carrier Ratings
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