Delaware Life Insurance Company adds limited Bitcoin-linked exposure through BlackRock to its retirement income portfolio.
Insurance companies will provide an index. blends US stocks with small risk-managed Bitcoin allocation (BTC). BlackRock’s iShares Bitcoin trust ETF is the source of exposure to Bitcoin. This means that investors don’t hold Bitcoin themselves.
The index uses volatility controls to reduce fluctuations by about 12 percent. Delaware Life says the new structure allows for indirect exposure to BTC prices while still maintaining the principal of the policyholders under the terms of the annuity.
Delaware Life is introducing the index in three products of fixed indexed annuity. Fixed index annuities, which are insurance-based products for retirement that offer growth and tax deferral while protecting the original investment, are based on the performance of market indexes rather than directly owning assets.
Delaware Life Insurance Company specializes in providing retirement products. The company said By November 2025 the total sales of annuities had exceeded 40 billion dollars.
BlackRock Asset Management is the biggest asset manager in the world. launched Bitcoin ETF is expected to be launched in January 2024. CoinMarketCap dataThe fund is the biggest Bitcoin spot fund, with a capitalization exceeding $70 billion.
BlackRock’s ETF was rated among its top-performing ETFs in December. three largest investment themes By 2025.
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Bitcoins are being used by insurance companies to develop new strategies
Delaware Life isn’t the only insurance company to experiment with Bitcoin-linked structures.
In June 2023, Meanwhile Group launched a Bitcoin-based life insurance company. backed by investors Gradient Ventures and Sam Altman are among the investors. The company has raised $500,000 in October 2025. $82 million in a funding roundThe company said it would use the money to help support the growing demand for retirement products and savings accounts denominated in Bitcoin.
Tabit is a Barbados based insurance company that has adopted a new approach. It uses Bitcoin as a means of funding its balance sheet, rather than providing crypto-linked products. In March the company raised $40 million in Bitcoin To back traditional US Dollar-denominated Property and Casualty Insurance Policies, saying that its entire regulatory reserves were held in Bitcoin.
US policymakers are expanding access to cryptocurrency through retirement products other than insurance.
In August, US President Donald Trump signed an executive order directing US regulators to expand access to cryptocurrency in 401(k) retirement plans.
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Source: cointelegraph.com
