Delaware Life Insurance Company has released a unique retirement annuity option that can give retirees a limited Bitcoin exposure. For this, they have partnered with BlackRock to integrate the BlackRock U.S. Equity Bitcoin Balanced Risk 12% Index into its fixed indexed annuity (FIA) offerings.
The index includes U.S. stocks and a specific amount of Bitcoin through BlackRock’s iShares Bitcoin Trust ETF (IBIT). This change will let people who have annuities take advantage of fluctuating BTC prices but will maintain the safeguards associated with traditional insurance.
This move makes Delaware Life the first U.S. insurer to weave Bitcoin-linked exposure into retirement insurance products. The coverage will be made available across three annuity offerings and shows the growing demand for diversified retirement options amid Bitcoin’s maturation.
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Growing Number of Insurance Companies Embracing Crypto
Many other insurance firms are also getting on to the Bitcoin bandwagon. In 2020, MassMutual invested $100 million in Bitcoin for its general account, among the early institutional investors. Then there was Meanwhile Group, who launched their Bitcoin-denominated life insurance in 2023. More recently, they managed to raise $82 million in October 2025 to expand their crypto-tied savings product.
Trump’s 401(k) Crypto Bet
In August 2025, U.S. President Donald Trump signed an executive order asking federal regulators to make it easier for people to invest in alternative assets, like cryptocurrencies, in their 401(k) retirement plans. The policy doesn’t require crypto options, but it does require agencies to look at old rules again. This could lead to the inclusion of cryptocurrencies in mainstream retirement plans in the future.
With new BTC products making their way into investment portfolios, the initiative can boost demand and attract different types of investors who can get exposure to Bitcoin. But the move also reinforces confidence in Bitcoin as a long‑term retirement asset.
