SILAC Vega Bonus – Flexible Growth, a 50% Bonus, and Lifetime Income Protection
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At Diversified Insurance Brokers, we help individuals secure annuity solutions that prioritize protection, lifetime income, and long-term growth. The SILAC Vega Bonus Fixed Indexed Annuity, issued by SILAC Insurance Company, is designed for people who want growth opportunities without risking their principal—while also preparing for guaranteed income and legacy planning.
This annuity stands out for its unique benefit bonus, flexible crediting options, and enhanced income features that adapt to your retirement goals.
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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:
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Penalty-free withdrawals up to 5% annually after year one
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Increasing or Level Lifetime Withdrawal options to secure predictable income
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Booster option for higher income payouts if you’re unable to perform two of six Activities of Daily Living (ADLs)
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Return of premium protection in select states
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Nursing home and terminal illness waivers for added flexibility
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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:
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Individuals ages 50–75 preparing for retirement income in the next 5–10 years
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Couples wanting joint income options and protection against healthcare uncertainties
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Savers looking to grow retirement funds with strong upside and no market downside
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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.
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 Vega Bonus Annuity
What is the SILAC Vega Bonus annuity?
SILAC Vega Bonus is a fixed indexed annuity that combines principal protection with index-linked growth and an upfront bonus on premiums, designed to help boost long-term retirement accumulation.
How does the bonus work?
When you purchase the annuity, SILAC applies an additional bonus percentage to eligible premium. That bonus is added to the accumulation value under contract rules and then participates in index credits and growth going forward.
Is the bonus vested immediately?
The bonus typically vests over time according to the contract’s vesting schedule. Surrendering the policy early may result in receiving only a portion of the credited bonus, depending on how long the contract has been in force.
How does Vega Bonus earn interest?
You can allocate value among several index crediting strategies and a fixed-interest option. Index strategies use caps, participation rates, or spreads to determine how much of the index’s positive performance is credited to your annuity.
Can the annuity lose value if the market goes down?
No. As a fixed indexed annuity, Vega Bonus protects your principal and previously credited interest from market losses. If the index is negative for a period, you simply receive zero index credit for that period rather than a loss.
Are penalty-free withdrawals available?
Most contracts allow limited penalty-free withdrawals each contract year, subject to a percentage or dollar limit. Withdrawals above that amount during the surrender period may reduce your value and could trigger surrender charges.
Does SILAC Vega Bonus include a Market Value Adjustment (MVA)?
Some versions include an MVA feature. If present, an MVA can adjust the amount received on larger early withdrawals or full surrender based on interest-rate changes since the policy was issued.
Is there an optional lifetime income rider?
Depending on availability and the specific contract design, Vega Bonus may offer an optional income rider that creates a separate benefit base for guaranteed lifetime withdrawals, often for an additional fee.
Can I fund Vega Bonus with IRA or rollover assets?
Yes. The annuity is generally available for both qualified funds (such as IRA or 401(k) rollovers) and non-qualified savings, subject to carrier and product guidelines.
Who is SILAC Vega Bonus best suited for?
Vega Bonus can be a good fit for individuals who want principal protection, the potential for higher long-term accumulation through index-linked strategies, and the added benefit of an upfront premium bonus to jump-start growth.
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.
