The Denali annuity is available in 7-, 10-, and 14-year versions, giving you flexibility to align with your personal retirement timeline. You can choose between fixed interest crediting or a variety of indexed strategies linked to well-known market indexes—all with zero downside risk.

Key Features of the SILAC Denali Annuity

✅ Protected Growth with Index Options
Denali offers a wide selection of indexed crediting strategies that allow your annuity value to grow based on market performance—without exposing your principal to losses. Whether you prefer a fixed rate or index-linked growth, your funds are shielded from market volatility.

✅ Lifetime Withdrawal Benefit
The built-in lifetime income rider allows you to turn your annuity into a reliable retirement paycheck. You can begin lifetime withdrawals as early as year one, and the income continues even after your account value has been depleted. There’s also an option for increased income in the event of a qualified health condition.

✅ Health Event Access
Denali includes powerful features that allow you to access up to 100% of your contract value without penalty if you experience a terminal illness, need nursing home care, or require home health care services. These health triggers make Denali a strong choice for those concerned about long-term care costs.

✅ No Annual Fees
Unlike many competitors, Denali does not charge annual contract or administrative fees. There is no cost for accessing your lifetime income benefit or enhanced health provisions.

✅ Liquidity and Control
Starting in year two, you can access up to 5% of your contract value annually without penalty. Required minimum distributions (RMDs) are also accessible without fees if you’re using qualified funds.

Why Work with Diversified Insurance Brokers?

The Denali annuity isn’t the only product of its kind—but understanding how it compares to other options is key. At Diversified Insurance Brokers, we work with over 75 top-rated annuity providers and help you evaluate features like bonus options, income deferral periods, crediting methods, and liquidity access. We don’t just sell annuities—we help you build a retirement income plan with confidence.

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