![\"\"](\"https:\/\/www.newsbeep.com\/ie\/wp-content\/uploads\/2026\/01\/cointelegraph:4677a85bd094b-8e81bce2c3ed75301f55ea067b5283d2-resized.webp.webp\")
<\/p>\nDelaware 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 US stocks with a small, risk-managed allocation to Bitcoin (BTC). 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 it surpassed $40 billion in cumulative annuity sales as of November 2025.<\/p>\n
BlackRock, one of the world\u2019s largest asset managers, launched its Bitcoin ETF in January 2024. According to CoinMarketCap data, 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 in 2025. <\/p>\n
Related: Crypto industry, trade unions clash over multi-trillion dollar retirement funds<\/p>\n
Insurance companies explore Bitcoin-linked strategies<\/p>\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 including Sam Altman and Gradient Ventures. In October 2025, the company raised $82 million in a funding round, 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 to back traditional US dollar-denominated property and casualty insurance policies, saying its entire regulatory reserve was held in Bitcoin.<\/p>\n
Beyond insurance products, US policymakers have moved to expand access to crypto exposure through other retirement vehicles.<\/p>\n
In August,\u00a0US President Donald Trump\u00a0signed an executive order directing US regulators to expand access to cryptocurrency in 401(k) retirement plans.<\/p>\n","protected":false},"excerpt":{"rendered":"Delaware Life Insurance Company is adding limited Bitcoin-linked exposure to its retirement annuity portfolio through an index developed…\n","protected":false},"author":2,"featured_media":88072,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[72,176,61,60,174,175],"class_list":{"0":"post-255560","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-business","9":"tag-finance","10":"tag-ie","11":"tag-ireland","12":"tag-personal-finance","13":"tag-personalfinance"},"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/255560","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/comments?post=255560"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/255560\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media\/88072"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media?parent=255560"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/categories?post=255560"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/tags?post=255560"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}