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Denali 10 (Most States)

The Denali 10 annuity is a secure choice for future planning. Promise of stable returns and excellent features caught our eye! Guaranteed lifelong income sure gives peace of mind.

A cherry on top? The flexibility to access funds in emergencies openly described in their brochure. All in all, Denali 10 garners our vote for a worry-free retirement!

Denali 10 (Most States)

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About Product

Type

Fixed Index

Purpose

Lifetime Income

Term

10 Years

Surrender schedule

12%

11%

10%

Fee withdrawal:

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$10,000

Maximum Contribution

$1,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, 401k, IRA, IRA Rollover, IRA Transfer, TSA 403b, SEP IRA, IRA-Roth, 1035 Exchange, Stretch IRA, and TSP

Launch Date

06/08/2020

SILAC Denali Series takes you on a new retirement journey. It provides guarantees where you need guarantees and flexibility where you need flexibility.

Available in states: AL, AZ, AR, CT, DC, FL, GA, HI, IL, IA, KS, KY, LA, ME, MI, MS, NE, NH, NM, NC, ND, OK, RI, SD, TN, VT, VA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year Barclays Atlas 5 Boost Spread	Boost Annual	4.75% Spread
1-Year S&P 500 RavenPack AI PTP Boost Spread	Boost Annual	5% Spread
1-Year Nasdaq Generations 5 Boost Spread	Boost Annual	4.75% Spread
1-Year Fixed Account	Fixed	4.75% Fixed
1-Year S&P 500 PTP Monthly Average Participation Rate	Point to Point Annual Monthly average	112% Participation
1-Year Barclays Atlas 5 PTP Participation Rate	Point to Point Annual	220% Participation
1-Year S&P 500 PTP Monthly Sum Cap	Point to Point Annual Monthly sum	3.25% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	10% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	62% Participation
1-Year S&P 500 RavenPack AI PTP Participation Rate	Point to Point Annual	235% Participation
1-Year Nasdaq Generations 5 PTP Participation Rate	Point to Point Annual	225% Participation
1-Year S&P 500 Duo Swift PTP Participation Rate	Point to Point Annual	82% Participation

Surrender schedule

Year	1	2	3	4	5	6	7	8	9	10
Penalty	12%	12%	11%	10%	9%	8%	7%	6%	4%	2%

Riders

Name	Inbuilt	Fee
Denali with Lifetime Withdrawal Benefit	Yes

Waivers

Nursing Home

Unavailable in states: SD

Nursing Home Benefit After the first policy year, you can withdraw up to 100% of your annuity’s account value if you become confined to a qualified care facility for at least 90 consecutive days and meet the eligibility requirements. There is a waiting period of 1 year after policy issue date, and you cannot be confined at the time the policy is issued.

Terminal Illness

Terminal Illness Benefit After the first policy year, you can withdraw up to 100% of your annuity’s account value if you are diagnosed with a terminal illness that results in you have a life expectancy of 12 months or less and you meet the eligibility requirements. You cannot be confined at the time the policy is issued.

ADL

Unavailable in states: SD

Home Health Benefit After the first policy year, you can withdraw up to 20% of your annuity’s account value each for 5 years if you need home health care services and meet the eligibility requirements.

Premium Notes

Minimum Premium

$10,000 Qualified and Non-Qualified
Additional premiums allowed 1st 12 months. (Minimum Additional Premium: $2,000). Additional premiums accepted as both, Lump Sum or Periodic payments.

Note: we take TSP as a rollover to IRA.

Withdrawal Provisions

Free WithdrawalsIn the 1st Policy Year, Required Minimum Distributions can be withdrawn. After the 1st Policy Year, up to 5% of the Account Value or RMD can be withdrawn. One non-systematic free withdrawal allowed per year.

Company Founded: 1935

Average Rated Company

SILAC Insurance Company

Company Ratings

4.7