Powerful Growth Potential with a 50% Benefit Bonus
At the time of publication of this article, the SILAC Vega Bonus annuity includes a 50% bonus applied to the benefit base—immediately increasing the value used to calculate lifetime income and legacy benefits. This bonus is designed to supercharge your long-term planning, especially if you’re looking to delay income for a few years.

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Crediting Strategies with Market Protection
Vega Bonus offers multiple index crediting options, including the S&P 500, Barclays Focus50, and S&P MARC 5% Excess Return Index, each with built-in downside protection. A 0% floor ensures that your principal is never reduced due to market volatility. Conservative clients can also choose a fixed interest strategy for guaranteed annual growth.

Income Protection and Enhanced Liquidity
The Vega Bonus comes with a robust suite of income and liquidity features:

• Penalty-free withdrawals up to 5% annually after year one

• Increasing or Level Lifetime Withdrawal options to secure predictable income

• Booster option for higher income payouts if you’re unable to perform two of six Activities of Daily Living (ADLs)

• Return of premium protection in select states

• Nursing home and terminal illness waivers for added flexibility

• Guaranteed death benefit for full value or enhanced 5-year payouts

Whether you’re planning for income, legacy, or health-related concerns, this annuity adapts to your evolving retirement needs.

Who Is a Good Fit for the Vega Bonus?
The SILAC Vega Bonus is especially attractive for:

• Individuals ages 50–75 preparing for retirement income in the next 5–10 years

• Couples wanting joint income options and protection against healthcare uncertainties

• Savers looking to grow retirement funds with strong upside and no market downside

• Anyone seeking a hybrid of income security and long-term growth

This annuity also allows for retirement account rollovers, including IRAs and 401(k) plans, making it ideal for those transitioning from accumulation to income.

Backed by SILAC and Delivered by Our Expert Advisors
SILAC Insurance Company has built a strong reputation for innovation and policyholder protection. When you work with Diversified Insurance Brokers, you gain access to expert, unbiased guidance and retirement strategies customized to your financial goals.

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