{"id":60055,"date":"2026-01-21T09:43:30","date_gmt":"2026-01-21T02:43:30","guid":{"rendered":"https:\/\/hbbgroup.net\/bitcoin-enters-delaware-lifes-retirement-annuity-portfolio\/"},"modified":"2026-01-21T09:43:30","modified_gmt":"2026-01-21T02:43:30","slug":"bitcoin-enters-delaware-lifes-retirement-annuity-portfolio","status":"publish","type":"post","link":"https:\/\/hbbgroup.net\/zh\/bitcoin-enters-delaware-lifes-retirement-annuity-portfolio\/","title":{"rendered":"Bitcoin enters Delaware Life\u2019s retirement annuity portfolio"},"content":{"rendered":"
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Delaware Life Insurance Company is adding limited Bitcoin-linked exposure to its retirement annuity portfolio through an index developed by BlackRock.<\/p>\n

The insurer will offer an index that blends<\/a> US stocks with a small, risk-managed allocation to Bitcoin (BTC<\/a>). The Bitcoin exposure comes through BlackRock’s iShares Bitcoin Trust ETF, meaning investors do not hold Bitcoin directly.<\/p>\n

The index combines US equities with managed BTC exposure and applies volatility controls designed to limit fluctuations to about 12%.\u00a0Delaware Life said the structure allows policyholders to gain indirect exposure to BTC price movements while still preserving their principal under the annuity\u2019s terms.<\/p>\n

The index will be available across three of Delaware Life\u2019s fixed indexed annuity products. Fixed indexed annuities are insurance-based retirement products that protect the initial investment and offer tax-deferred growth, with returns tied to the performance of a referenced market index rather than direct asset ownership.<\/p>\n

Delaware Life Insurance Company is a US life insurance and annuity provider focused on retirement products. The company said<\/a> it surpassed $40 billion in cumulative annuity sales as of November 2025.<\/p>\n

BlackRock, one of the world\u2019s largest asset managers, launched<\/a> its Bitcoin ETF in January 2024. According to CoinMarketCap data<\/a>, the fund has a market capitalization of more than $70 billion, making it the largest spot Bitcoin fund.<\/p>\n

In December, BlackRock said the ETF ranked among the company\u2019s three largest investment themes<\/a> in 2025.<\/p>\n

Top five spot Bitcoin ETFs by market capitalization ource: <\/em>CoinMarketCap<\/em><\/a><\/figcaption><\/figure>\n

Related: <\/strong><\/em>Crypto industry, trade unions clash over multi-trillion dollar retirement funds<\/strong><\/em><\/a><\/p>\n

Insurance companies explore Bitcoin-linked strategies<\/h2>\n

The Delaware Life product is not the only example of insurance companies experimenting with Bitcoin-linked structures.<\/p>\n

Meanwhile Group, a company that offers Bitcoin life insurance, launched in June 2023 backed by investors<\/a> including Sam Altman and Gradient Ventures. In October 2025, the company raised $82 million in a funding round<\/a>, which it said would be used to support growing demand for Bitcoin-denominated retirement and savings products. <\/p>\n

Tabit, a Barbados-based insurer, has taken a different approach by using Bitcoin to fund its balance sheet rather than offering crypto-linked insurance products.\u00a0In March, the company raised $40 million in Bitcoin<\/a> to back traditional US dollar-denominated property and casualty insurance policies, saying its entire regulatory reserve was held in Bitcoin.<\/p>\n