Vega Bonus 10
Silac Insurance Company
4.5%
Best Cap
5%
Free W/D
48
States
The SILAC Vega Bonus is a fixed indexed annuity designed for long-term retirement savers who want guaranteed lifetime income, growth potential tied to market indexes, and enhanced death benefits—all without direct market risk to principal.
Free Withdrawal
5%/yr
Available In
48 states
Min Premium
$10,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Barclays Atlas 5 Index | Annual | -- | 100% | -- |
| Bloomberg Versa 10 Index | Annual | -- | 42% | -- |
| Nasdaq Generations 5 Index | Annual | -- | 105% | -- |
| S&P 500 Duo Swift Index (USD) ER | Annual | -- | 35% | -- |
| S&P 500 Index | Annual | 4.5% | 100% | -- |
| S&P 500 Index | Monthly | 1.75% | 100% | -- |
| S&P 500 RavenPack AI Index (USD) ER | Annual | -- | 100% | -- |
| Fixed Account | Daily | -- | -- | 2% |
Key Features
Benefit Bonus
Varies by term; included at no costImmediate bonus added to benefit value only, enhancing lifetime withdrawal and death benefit amounts
Annual Floor Protection
0% floorIndexed crediting strategies guarantee a minimum 0% annual return, protecting against market downturns
Principal Protection
100% protectedAccount value protected from market losses; you never lose money due to market declines
Three Withdrawal Options
After 7, 10, or 14-year waitChoose Increasing Lifetime Withdrawals, Level Lifetime Withdrawals, or Accelerated Withdrawals (fixed term)
Lifetime Income Guarantee
Lifetime guaranteeWithdrawals guaranteed for life as long as you don't exceed the elected amount, even if account value reaches zero
Wellness Withdrawals
2x regular withdrawalDouble your regular withdrawal amount for up to 5 years if you can't perform 2 of 6 Activities of Daily Living
Free Withdrawals
5% annualWithdraw up to 5% of account value annually after year 1 with no charges
Tax Deferral
Deferred taxationGrowth compounds tax-deferred until you withdraw, allowing more money to remain invested
Death Benefit
Account or Benefit ValueBeneficiary receives either full account value as lump sum or entire benefit value paid over 5 years
Multiple Crediting Strategies
Multiple options availableChoose from fixed-rate and various indexed strategies tied to external market indexes
Highlights
Dual-account structure with both Account Value and enhanced Benefit Value that grows faster for withdrawal benefits
Three flexible withdrawal options including unique Accelerated Withdrawals that don't require lifetime payments
Immediate benefit bonus added to your account, plus principal protection with 0% annual floor on indexed strategies
Lifetime income guarantee that can't be outlived, plus wellness withdrawals for long-term care needs
Multiple crediting strategies (fixed and indexed) allowing diversification within a single annuity
Surrender Schedule
Yr 1
10%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
After
0%
Home health care rider, Nursing home waiver, RMD waiver, Terminal illness waiver
Best For
Individuals 50+ who want guaranteed lifetime retirement income, principal protection from market downturns, and the flexibility to leave a legacy while maintaining access to their funds.
Consider Alternatives If
Those who need immediate liquidity, investors seeking maximum market upside without caps on returns, or anyone uncomfortable with withdrawal charges during the accumulation phase.
Carrier Ratings
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