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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.50%
7-Year
5.85%
10-Year
5.80%

Denali 14 (IN Only)

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Highlights

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: IN
Type
Fixed Index
Purpose Lifetime Income
Term
14 Years
Surrender schedule
14.75%13.75%12.75%11.75%10.75%10%9%8%7%6%5%4%3%2%
Free withdrawal
1st year: 0%
2nd+ year: 5%
Market value adjustment
Return of premium
Launch date
06/08/2020
Minimum contribution
$10,000
Maximum contribution
$1,000,000
Max Age Qualified
80
Types of funds
Non-Qualified, 401k, IRA, IRA Rollover, IRA Transfer, TSA 403b, SEP IRA, IRA-Roth, 1035 Exchange, Stretch IRA, and TSP
Brochure
Open brochure

Find out if the Denali 14 (IN Only) is the right product for you.

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 Withdrawals
In the 1st Policy Year, Required Minimum Distributions can be withdrawn. After the 1st Policy Year, up to 5% of the Account Value or RMD can be withdrawn.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.

Allocation Accounts

Name Type Rates
1-Year Barclays Atlas 5 Boost Spread
Boost
Annual
4.25% Spread
1-Year S&P 500 RavenPack AI PTP Boost Spread
Boost
Annual
4.5% Spread
1-Year Nasdaq Generations 5 Boost Spread
Boost
Annual
4.25% Spread
1-Year Fixed Account
Fixed
4% Fixed
1-Year S&P 500 PTP Monthly Average Participation Rate
Point to Point
Annual
Monthly average
105% Participation
1-Year Barclays Atlas 5 PTP Participation Rate
Point to Point
Annual
205% Participation
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
3% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
9.25% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
60% Participation
1-Year S&P 500 RavenPack AI PTP Participation Rate
Point to Point
Annual
220% Participation
1-Year Nasdaq Generations 5 PTP Participation Rate
Point to Point
Annual
210% Participation
1-Year S&P 500 Duo Swift PTP Participation Rate
Point to Point
Annual
75% Participation

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10 11 12 13 14
Penalty 15% 14% 13% 12% 11% 10% 9% 8% 7% 6% 5% 4% 3% 2%

Riders

Name Inbuilt Fee
Denali 14 with Lifetime Withdrawal Benefit Yes

Waivers

Nursing Home

Unavailable in states: CA

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

Unavailable in states: CA

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: CA

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.

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