SILAC Denali Fixed Indexed Annuity – Steady Accumulation with Lifetime Income & Health Protection
At Diversified Insurance Brokers, we help clients make informed retirement decisions by comparing annuities across 75+ top-rated carriers. One standout option for long-term security is the Denali Fixed Indexed Annuity from SILAC Insurance Company. It blends protection, flexibility, and income planning into one streamlined solution.
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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.
Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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FAQs: SILAC Denali Fixed Indexed Annuity
What is the SILAC Denali annuity?
The SILAC Denali is a fixed indexed annuity designed for long-term accumulation and optional guaranteed income. It offers multiple index crediting strategies, competitive bonuses (varies by version), and flexible rider options tailored to retirement planning.
How does the Denali annuity earn interest?
Interest is credited based on your chosen index strategies, using participation rates, caps, and spreads. If the selected index performs well, you receive interest credits. If it performs poorly, your principal remains protected from market losses.
Does the Denali annuity offer a premium bonus?
Certain versions of the Denali include premium bonuses that enhance the contract value or benefit base on day one. Bonus percentages vary by product version and state availability.
What liquidity options are available?
The Denali annuity typically includes annual penalty-free withdrawals up to a set percentage of the contract value. Additional features—such as cumulative withdrawal allowances—may also be available depending on the version.
Are income riders available?
Yes. The Denali series usually offers an optional guaranteed lifetime income rider for an additional cost. This rider provides predictable income for one or two lives and may include enhanced payout features.
Is my principal protected from losses?
Yes. The SILAC Denali is a fixed indexed annuity, so your account value cannot decrease due to negative market performance. Only withdrawals or rider charges can reduce the contract value.
What is the surrender charge period?
The Denali typically features surrender schedules ranging from 7 to 14 years, depending on the version selected. Charges decrease over time, and excess withdrawals during this period may trigger a market value adjustment.
Who is the Denali annuity best suited for?
This annuity works well for those seeking long-term growth with downside protection, optional income features, and strong liquidity flexibility relative to comparable indexed annuities.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
