Insurance company enters the market: US life insurance giant launches Bitcoin + US stock balanced product

RektRecovery · 2026-01-20T15:48:11+00:00

Delaware Life Insurance Company in the United States has incorporated the BlackRock US Stock Bitcoin Balanced Risk Index into its fixed indexed annuities, providing Bitcoin exposure through the iShares Bitcoin Trust ETF, locking in a 12% volatility. This aims to offer investors a controlled-risk crypto asset allocation opportunity, demonstrating mainstream financial institutions' recognition of Bitcoin.

RektRecovery

2026-01-20 15:48:11

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【BitPush】Recently, Delaware-based life insurance companies in the US have taken new steps—adding a BlackRock US Stock Bitcoin Balanced Risk Index to their fixed indexed annuity product line.

How is this index constructed? Essentially, it combines US stocks and Bitcoin, gaining Bitcoin exposure through the iShares Bitcoin Trust ETF (IBIT), with a target volatility locked at 12%, while also protecting the principal of the fixed indexed annuity.

The logic behind this is quite interesting—traditional insurance products are beginning to offer investors opportunities to allocate to crypto assets, allowing participation in Bitcoin’s upside potential without excessive volatility, making risk manageable. This represents a new attempt to combine traditional finance with crypto assets and also reflects that Bitcoin, as an asset allocation option, is gradually gaining recognition from mainstream financial institutions.

BTC-3,65%

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HalfIsEmpty

· 5h ago

Traditional finance has finally become more compliant. They used to refuse to acknowledge Bitcoin, and now they want to jump on the bandwagon? Never mind, as long as more people can get on board... The 12% volatility margin is a bit tight.

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SillyWhale

· 5h ago

Insurance companies are starting to play with Bitcoin now, traditional finance really can't sit still anymore haha --- 12% volatility cap? Is this feeding chicken soup to the elderly? The real alpha is outside --- Having both fish and bear's paw? I feel like it's just US stocks with a bit of BTC flavoring, not very interesting --- Finally here, I knew this day would come long ago. Even if traditional institutions don't recognize it, they have to accept it --- Talking about capital preservation and protection, but we all know these insurance speeches... Is the risk really controllable? --- Who would buy this? Either directly hold BTC or honestly buy US stocks. This mixture feels very pointless

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JustAnotherWallet

· 5h ago

Insurance companies are starting to play with Bitcoin, and traditional finance can no longer sit still... Can you still sleep with a 12% volatility? I think this is tailor-made for those who want Bitcoin gains but are afraid their hearts can't handle it.

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HallucinationGrower

· 5h ago

Insurance companies are also starting to play with Bitcoin now, so this is really the rhythm of institutional entry... However, a 12% volatility limit is a bit conservative, and the returns seem to be just so-so.

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金马币发起共识者

· 5h ago

2026 Go Go Go 👊

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DeFiChef

· 5h ago

Traditional finance is also copying homework now, haha. But is this 12% volatility lock-in... really secure enough? Feels like it's still tamed.

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