SILAC Insurance Company
4.9
based on complex data
Annuity Educator Rating
Annuity review

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)-brochure Denali 10 (Most States)-brochure

Denali 10 (Most States)

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About Product

Type
Fixed Index
Purpose
Lifetime Income
Term
10 Years
Surrender schedule
12%
12%
11%
10%
9%
8%
7%
6%
4%
2%
Fee withdrawal:
5%
Market Value Adjustment
Yes
Return Of Premium
No
Minimum Contribution
$10,000
Maximum Contribution
$1,000,000
Max Age Qualified
85
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%

Hypothetical Projection

Comparison against S&P 500 using current rates
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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
  • A.M. Best B
  • Comdex 32
Assets: $10,393,472,750
Utah

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