Bitcoin added to Delaware Life retirement annuity portfolio

Delaware Life Insurance Company is adding limited Bitcoin-linked exposure to its retirement annuity offerings through an index developed by BlackRock.

The index blends US equities with a small, risk-managed allocation to Bitcoin using BlackRock’s iShares Bitcoin Trust ETF.

Investors gain indirect exposure to Bitcoin price movements without holding the asset directly.

The structure applies volatility controls targeting fluctuations of around 12% to protect policyholders.

Delaware Life said the design allows exposure to Bitcoin while preserving principal under the annuity’s terms.

The index will be offered across three fixed indexed annuity products tied to market performance rather than direct asset ownership.

BlackRock launched its spot Bitcoin ETF in January 2024 and it has grown into the largest fund of its kind by market capitalisation.

The move reflects a broader trend of insurance firms exploring Bitcoin-linked retirement and savings strategies.

The development comes as US policymakers push to expand access to cryptocurrency exposure through retirement vehicles.

At the time of reporting, Bitcoin price was $88,430.18.