SILAC Teton Series Fixed Indexed Annuity – Growth with Protection and Flexibility
At Diversified Insurance Brokers, we specialize in uncovering annuities that offer both performance and peace of mind. The SILAC Teton Series Fixed Indexed Annuity, issued by SILAC Insurance Company, embodies this balance—providing growth tied to market indexes (like the S&P 500) while protecting your principal from losses.
Key highlights from this product include:
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Premium bonuses of up to 15% on 10- to 14-year terms
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Multiple term options (5, 7, 10, 14 years) to suit your timeline
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Annual Free Withdrawals: Withdraw up to 5% annually after year one
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Liquidity features like RMD flexibility and health-related riders (terminal illness, nursing home, home health)
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Tax-deferred growth—letting your investment compound over time without immediate tax consequences
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Backed by the strength of SILAC Insurance Company, the Teton Series has repeatedly shown competitive issuing yields in our marketplace. With access to over 75 top-rated carriers, Diversified Insurance Brokers can show you how this FIA stacks up—and help you decide if it aligns with your retirement planning needs.
This product is ideal for conservative investors seeking:
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Market upside without downside risk
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Flexible income or CAP structures
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Added protection in case of health events
Curious if Teton FIA is right for you? Let’s explore it together.
Diversified Insurance Brokers partners with over 75 leading carriers, including SILAC, to help you compare products and design a retirement strategy that fits your goals.
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 Teton Series
What is the SILAC Teton Series?
The SILAC Teton Series is a fixed indexed annuity designed for long-term retirement accumulation with principal protection. It offers index-linked crediting options that can provide growth potential without direct market exposure.
How does the Teton Series credit interest?
Interest is credited based on the performance of one or more market indices using crediting methods such as point-to-point or other index strategies. The amount credited depends on the strategy’s cap, spread, or participation rate in effect for that period.
What happens if the index is negative?
Your account value is protected from negative index performance. If the index return is negative (or does not meet the crediting threshold), you typically earn zero for that crediting period rather than losing value due to market decline.
Does the Teton Series offer penalty-free withdrawals?
Many fixed indexed annuities include an annual penalty-free withdrawal provision (often up to a percentage of the account value) after the first contract year. Withdrawals beyond the free amount during the surrender period may trigger surrender charges and, if applicable, a market value adjustment.
Is there a surrender charge period?
Yes. The Teton Series includes a surrender charge schedule that applies if you withdraw more than the penalty-free amount or surrender the contract during the surrender period. The schedule length and percentages vary by specific version and state.
Are income riders available on the Teton Series?
Depending on the specific Teton Series product version and state availability, optional income rider features may be available for an additional cost. These riders can be used to create a predictable income stream in retirement.
Is the SILAC Teton Series FDIC-insured?
No. Fixed indexed annuities are not FDIC-insured. Guarantees are backed by the issuing insurance company’s claims-paying ability and the terms of the contract.
Who is the SILAC Teton Series best for?
It’s generally a fit for someone who wants principal protection, tax-deferred growth, and the potential for higher credited interest than a traditional fixed rate—while accepting surrender-period tradeoffs and product rules for index crediting.
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.
