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Fixed Indexed Annuity

Vega Bonus 14 — Silac Insurance Company

Silac Insurance Company

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5.25%

Best S&P 500 Annual Cap

10%

Free W/D

32

Available jurisdictions

Product data status: October 2, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what Vega Bonus 14 would do for you

Set your numbers and switch between growth, income, and liquidity. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.

Product analyzer
Illustrative — live CANNEX rates as of October 2, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$229,687
Est. value at age 80 (Vega Bonus 14)
5.25%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 5.25% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Vega Bonus 14's published cap rate (5.25% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of October 2, 2026.

Free Comparison Report

Get a Vega Bonus 14 rate report

See how Vega Bonus 14 compares for your age, state, premium, and income goals alongside other Silac Insurance Company fixed indexed annuity options.

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rate data

Run numbers for Vega Bonus 14

rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Silac Insurance Company product.

Live product data

Rates as of October 2, 2026, from AdvisorWorld and CANNEX.

Current crediting strategy detail

5.25% cap on S&P 500

SILAC Vega Bonus 14 is shown with crediting and contract facts from live product data; review any displayed income-rider terms in the context of state, age, premium, and election.

1-year term14-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Buyers and advisors comparing SILAC Vega Bonus 14 crediting, surrender terms, ratings, state availability, and any published income-rider details.

AM Best

B+ Good

Surrender period

14 years

Free withdrawal

10%/yr

Availability

32 jurisdictions (restricted footprint)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5.25% cap rate

Rate effective Aug 7, 2026

Annual point-to-point

Requested state: AL

1-year term · 14-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

2.25% cap rate

Rate effective Aug 7, 2026

Monthly sum

Requested state: AL

1-year term · 14-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

32% participation rate

Rate effective Aug 7, 2026

Annual point-to-point

Requested state: AL

1-year term · 14-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

monthly avg participation

57% participation rate

Rate effective Aug 7, 2026

Participation

Requested state: AL

1-year term · 14-year surrender · Does not vary by premium

Fixed Account

Fixed Account

3% declared rate

Rate effective Aug 7, 2026

Fixed account

Requested state: AL

1-year term · 14-year surrender · Does not vary by premium

+ 8 additional crediting options (S&P 500, Barclays Atlas, Nasdaq Generations...)

Lifetime Income Riders

Income rider

Enhanced Benefit Rider - Accelerated

RMD friendly
Lifetime payout rate6.67% lifetime payout

Income rider

Enhanced Benefit Rider -

RMD friendly
Lifetime payout rate4.4% lifetime payout
Interest multiplier2x interest multiplier

Income rider

Enhanced Benefit Rider - Increasing

RMD friendly
Lifetime payout rate3.9% lifetime payout
Interest multiplier2x interest multiplier

Product analyst notes

How to think about this contract

Why it can stand out

  • Review the crediting strategies and contract facts provided by the current product source.
  • Compare surrender terms, ratings, state availability, and any published income-rider details together.
  • Rider terms can depend on state, age, premium, and election; use a carrier illustration for a personalized income comparison.

What to confirm

  • Verify any displayed rider payout, growth, and fee figures against the applicable carrier illustration before relying on them.
  • For any lifetime-income recommendation, request a carrier illustration or CANNEX comparison that includes the exact rider terms.
  • Crediting rates, strategy availability, surrender terms, and state availability can vary by filing, premium, age, and state; confirm the current terms for the buyer's situation.

Not ideal for

Buyers who need a personalized lifetime-income quote from this page alone; obtain a carrier illustration for the buyer’s age, premium, state, and rider election.

Free Comparison Report

Get a Vega Bonus 14 rate report

See how Vega Bonus 14 compares for your age, state, premium, and income goals alongside other Silac Insurance Company fixed indexed annuity options.

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All crediting strategies

View rate listings (26 strategies)

These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, or rate type.

Par: 135% · 1-yr

S&P 500 RavenPack AI Index (USD) ER

Point-to-point · 0% annual strategy fee

Requested state: ALRate effective Aug 7, 202614-yr surrenderDoes not vary by premium

Par: 135% · 1-yr

S&P 500 RavenPack AI Index (USD) ER

Point-to-point

Requested state: AL14-yr surrenderDoes not vary by premium

Par: 130% · 1-yr

Nasdaq Generations 5 Index

Point-to-point · 0% annual strategy fee

Requested state: ALRate effective Aug 7, 202614-yr surrenderDoes not vary by premium

Par: 130% · 1-yr

Nasdaq Generations 5 Index

Point-to-point

Requested state: AL14-yr surrenderDoes not vary by premium

Par: 125% · 1-yr

Barclays Atlas 5 Index

Point-to-point · 0% annual strategy fee

Requested state: ALRate effective Aug 7, 202614-yr surrenderDoes not vary by premium

Par: 125% · 1-yr

Barclays Atlas 5 Index

Point-to-point

Requested state: AL14-yr surrenderDoes not vary by premium

Par: 100% + Spread: 0.5% · 1-yr

Nasdaq Generations 5 Index

Point-to-point · 0% annual strategy fee

Requested state: ALRate effective Aug 7, 202614-yr surrenderDoes not vary by premium

Par: 100% + Spread: 0.75% · 1-yr

Barclays Atlas 5 Index

Point-to-point · 0% annual strategy fee

Requested state: ALRate effective Aug 7, 202614-yr surrenderDoes not vary by premium

Par: 100% + Spread: 0.5% · 1-yr

S&P 500 RavenPack AI Index (USD) ER

Point-to-point · 0% annual strategy fee

Requested state: ALRate effective Aug 7, 202614-yr surrenderDoes not vary by premium

Par: 100% + Spread: 0.5% · 1-yr

Nasdaq Generations 5 Index

Point-to-point

Requested state: AL14-yr surrenderDoes not vary by premium

Par: 100% + Spread: 0.75% · 1-yr

Barclays Atlas 5 Index

Point-to-point

Requested state: AL14-yr surrenderDoes not vary by premium

Par: 100% + Spread: 0.5% · 1-yr

S&P 500 RavenPack AI Index (USD) ER

Point-to-point

Requested state: AL14-yr surrenderDoes not vary by premium

Par: 60% · 1-yr

Bloomberg Versa 10 Index

Point-to-point · 0% annual strategy fee

Requested state: ALRate effective Aug 7, 202614-yr surrenderDoes not vary by premium

Par: 60% · 1-yr

Bloomberg Versa 10 Index

Point-to-point

Requested state: AL14-yr surrenderDoes not vary by premium

Par: 57% · 1-yr

S&P 500 Index

monthly_avg_participation · 0% annual strategy fee

Requested state: ALRate effective Aug 7, 202614-yr surrenderDoes not vary by premium

Par: 57% · 1-yr

S&P 500 Index

monthly_avg_participation

Requested state: AL14-yr surrenderDoes not vary by premium

Par: 50% · 1-yr

S&P 500 Duo Swift Index (USD) ER

Point-to-point · 0% annual strategy fee

Requested state: ALRate effective Aug 7, 202614-yr surrenderDoes not vary by premium

Par: 50% · 1-yr

S&P 500 Duo Swift Index (USD) ER

Point-to-point

Requested state: AL14-yr surrenderDoes not vary by premium

Par: 32% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: ALRate effective Aug 7, 202614-yr surrenderDoes not vary by premium

Par: 32% · 1-yr

S&P 500 Index

Point-to-point

Requested state: AL14-yr surrenderDoes not vary by premium

Cap: 5.25% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: ALRate effective Aug 7, 202614-yr surrenderDoes not vary by premium

Cap: 5.25% · 1-yr

S&P 500 Index

Point-to-point

Requested state: AL14-yr surrenderDoes not vary by premium

Fixed: 3% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: ALRate effective Aug 7, 202614-yr surrenderDoes not vary by premium

Fixed: 3% · 1-yr

Fixed Account

Fixed account

Requested state: AL14-yr surrenderDoes not vary by premium

Cap: 2.25% · 1-yr

S&P 500 Index

Monthly sum · 0% annual strategy fee

Requested state: ALRate effective Aug 7, 202614-yr surrenderDoes not vary by premium

Cap: 2.25% · 1-yr

S&P 500 Index

Monthly sum

Requested state: AL14-yr surrenderDoes not vary by premium

Income riders

Income rider

Enhanced Benefit Rider - Accelerated

RMD friendly
Lifetime withdrawal rate6.67%
Annual rider feeNot shown
Deferral assumed0 years

GMWB

Income rider

Enhanced Benefit Rider - Level

RMD friendly
Lifetime withdrawal rate4.4%
Annual rider feeNot shown
Income multiplier2× multiplier
Deferral assumed0 years

GLWB

Income rider

Enhanced Benefit Rider - Increasing

RMD friendly
Lifetime withdrawal rate3.9%
Annual rider feeNot shown
Income multiplier2× multiplier
Deferral assumed0 years

GLWB

Income rider

Enhanced Benefit Rider - Level

RMD friendly
Lifetime withdrawal rate3.4%
Annual rider feeNot shown
Income multiplier2× multiplier
Deferral assumed0 years

GLWB

Income rider

Enhanced Benefit Rider - Increasing

RMD friendly
Lifetime withdrawal rate2.9%
Annual rider feeNot shown
Income multiplier2× multiplier
Deferral assumed0 years

GLWB

Linked review

Vega Bonus 14 review notes

Discover the features, benefits, and potential drawbacks of the SILAC Vega Bonus Fixed Indexed Annuity in this comprehensive review.

3/5Read review
Review rating details3/5
Financial strength2/5
Return potential4/5
Income and benefits3/5
Free benefits, liquidity, and costs3/5
Transparency and service3/5

CFA take

“Offers a balanced mix of accumulation potential and liquidity, supported by strong living benefits and an optional rider that enhances access to funds when needed. However, a relatively lower default liquidity of 5% during the withdrawal-charge period, with the more typical 10% available only through an added rider, along with only moderate insurer credit strength, may limit its appeal relative to competing products.”

Nikhil Bhauwala

Common questions about Vega Bonus 14

● Can I lose money in Vega Bonus 14?

A negative index return by itself does not reduce the contract's account value: Vega Bonus 14 credits 0% — the floor — for that indexed period. The account value can still decrease from withdrawals, surrender charges, other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● Is the Enhanced Benefit Rider - Accelerated income rider worth it?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 6.67% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 14 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Vega Bonus 14's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available Vega Bonus 14 strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

4

Home health care rider, Nursing home waiver, RMD waiver, Terminal illness waiver

Death benefit

Account Value DB

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Cap-rate floor

1.50%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

2.50%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

15.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Maximum spread

1.75%

Maximum spread: 1.75%

Annuitization options

Certain period, Joint life, Single life

Published payout options from the normalized contract facts.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

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%

Nursing home waiver, RMD waiver, Terminal illness waiver

Documents

brochure

Vega Bonus 14 brochure pdf.pdf

Confidence: highReviewed Apr 15, 2026

Direct link not published — request the document from the carrier.

product guide

Vega Bonus Brochure-2.pdf

Confidence: highReviewed Apr 8, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestB+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Vega Bonus 14 currently shows 26 indexed or fixed crediting options, including S&P 500 Index, with 16 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 5.25% annual cap, 0% annual strategy fee
  • S&P 500 Index: 2.25% monthly cap, 0% annual strategy fee
  • S&P 500 Index: 5.25% annual cap
  • S&P 500 Index: 2.25% monthly cap

Income rider language

What to look for before treating the rider as income

Enhanced Benefit Rider - Level is the main income rider listed for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 4.4% withdrawal rate
  • RMD friendly

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 14 surrender years
  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as Vega Bonus 14 brochure pdf.pdf and Vega Bonus Brochure-2.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

Get a Vega Bonus 14 rate report

See how Vega Bonus 14 compares for your age, state, premium, and income goals alongside other Silac Insurance Company fixed indexed annuity options.

Get my rate report

Related Resources

Free personalized report

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Choose a goal to start your report. We’ll carry your answer into the next step.

Find guaranteed ratesCompare current fixed optionsPlan retirement incomeExplore income choicesCompare my optionsGet a personal starting point

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