Delaware Life Insurance coverage Firm is including restricted Bitcoin-linked publicity to its retirement annuity portfolio via an index developed by BlackRock.
The insurer will provide an index that blends US shares with a small, risk-managed allocation to Bitcoin (BTC). The Bitcoin publicity comes via BlackRock’s iShares Bitcoin Belief ETF, that means buyers don’t maintain Bitcoin instantly.
The index combines US equities with managed BTC publicity and applies volatility controls designed to restrict fluctuations to about 12%. Delaware Life mentioned the construction permits policyholders to realize oblique publicity to BTC worth actions whereas nonetheless preserving their principal below the annuity’s phrases.
The index will likely be out there throughout three of Delaware Life’s fastened listed annuity merchandise. Mounted listed annuities are insurance-based retirement merchandise that shield the preliminary funding and provide tax-deferred progress, with returns tied to the efficiency of a referenced market index somewhat than direct asset possession.
Delaware Life Insurance coverage Firm is a US life insurance coverage and annuity supplier centered on retirement merchandise. The corporate mentioned it surpassed $40 billion in cumulative annuity gross sales as of November 2025.
BlackRock, one of many world’s largest asset managers, launched its Bitcoin ETF in January 2024. Based on CoinMarketCap information, the fund has a market capitalization of greater than $70 billion, making it the most important spot Bitcoin fund.
In December, BlackRock mentioned the ETF ranked among the many firm’s three largest funding themes in 2025.
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Insurance coverage firms discover Bitcoin-linked methods
The Delaware Life product just isn’t the one instance of insurance coverage firms experimenting with Bitcoin-linked constructions.
In the meantime Group, an organization that gives Bitcoin life insurance coverage, launched in June 2023 backed by buyers together with Sam Altman and Gradient Ventures. In October 2025, the corporate raised $82 million in a funding spherical, which it mentioned can be used to help rising demand for Bitcoin-denominated retirement and financial savings merchandise.
Tabit, a Barbados-based insurer, has taken a unique strategy by utilizing Bitcoin to fund its steadiness sheet somewhat than providing crypto-linked insurance coverage merchandise. In March, the corporate raised $40 million in Bitcoin to again conventional US dollar-denominated property and casualty insurance coverage insurance policies, saying its total regulatory reserve was held in Bitcoin.
Past insurance coverage merchandise, US policymakers have moved to increase entry to crypto publicity via different retirement autos.
In August, US President Donald Trump signed an govt order directing US regulators to increase entry to cryptocurrency in 401(okay) retirement plans.
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