SILAC
A Salt Lake City-based annuity specialist - founded in 1935 as Equitable Life & Casualty and rebranded SILAC in 2020 - that has become one of the faster-growing fixed and fixed-indexed annuity carriers in the independent channel.
Financial strength
B
AM Best
BBB-
Fitch
B (under review)
AM Best B (Fair), currently under review with developing implications; Fitch rates SILAC BBB- with a stable outlook.
Privately held
Operates as a privately held insurer under SILAC, Inc.
Salt Lake City, UT
Headquartered in Salt Lake City, Utah; operates as SILAC Life Insurance Company in California.
Founded 1935
Founded in 1935 as Equitable Life & Casualty; rebranded to SILAC in 2020.
Fast-growing
Recognized among the fastest-growing life insurers as it transformed into a retirement-focused annuity carrier.
Run live numbers on SILAC products
Choose a product type, then select a current product. The analyzer shows available values for your premium, age, state, and timing, and leaves out details that are not published for that selection.
Income FIAs
Selected product: Evolve 7
An income-focused fixed indexed annuity group for comparing rider-driven lifetime-income scenarios.
Other current products
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Explore SILAC products
Known SILAC product pages, grouped by what each product group is built to do. Confirm current rates and availability in the analyzer or on the product page.
Fixed Index Annuity - Growth
Index-linked annuities built for protected growth, with product pages for checking caps, participation rates, and fixed-account options.
- Growth-oriented FIAs grouped by accumulation purpose
- Individual product pages are the place to check rates, terms, riders, and disclosures
Best for: Buyers comparing principal-protected growth potential before checking a product page for current strategy details.
Denali 5
The shorter SILAC Denali accumulation FIA with an S&P 500 cap, proprietary strategies, and optional liquidity riders.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Denali 7
A 7-year-surrender accumulation-only fixed indexed annuity from SILAC Insurance Company (A.M. Best B), pairing a recognizable S&P 500 annual point-to-point cap option with several proprietary participation-rate indexes and optional Elevation/Elevation Plus liquidity riders.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Denali 10
A 10-year-surrender accumulation-only fixed indexed annuity from SILAC Insurance Company (A.M. Best B), pairing a recognizable S&P 500 annual point-to-point cap option with several proprietary participation-rate indexes and optional Elevation/Elevation Plus liquidity riders.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Denali 14
A 14-year-surrender accumulation-only fixed indexed annuity from SILAC Insurance Company (A.M. Best B), pairing a recognizable S&P 500 annual point-to-point cap option with several proprietary participation-rate indexes and optional Elevation/Elevation Plus liquidity riders.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Denali Bonus 5
A shorter bonused SILAC Denali FIA with an S&P 500 cap, proprietary strategies, and optional liquidity riders.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Denali Bonus 7
A 7-year-surrender accumulation-only fixed indexed annuity from SILAC Insurance Company (A.M. Best B), with a premium bonus credited on day one (vested on a graded multi-year schedule) pairing a recognizable S&P 500 annual point-to-point cap option with several proprietary participation-rate indexes and optional Elevation/Elevation Plus liquidity riders.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Denali Bonus 10
A 10-year-surrender accumulation-only fixed indexed annuity from SILAC Insurance Company (A.M. Best B), with a premium bonus credited on day one (vested on a graded multi-year schedule) pairing a recognizable S&P 500 annual point-to-point cap option with several proprietary participation-rate indexes and optional Elevation/Elevation Plus liquidity riders.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Denali Bonus 14
A 14-year-surrender accumulation-only fixed indexed annuity from SILAC Insurance Company (A.M. Best B), with a premium bonus credited on day one (vested on a graded multi-year schedule) pairing a recognizable S&P 500 annual point-to-point cap option with several proprietary participation-rate indexes and optional Elevation/Elevation Plus liquidity riders.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Evolve 14
SILAC Evolve 14 is currently shown as an FIA with live crediting and contract facts available, but current live data does not include published lifetime-income rider details for an age-60, year-10 comparison; treat those specifics as unavailable until the carrier publishes them.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Evolve Bonus 14
SILAC Evolve Bonus 14 is currently shown as an FIA with live crediting and contract facts available, but current live data does not include published lifetime-income rider details for an age-60, year-10 comparison; treat those specifics as unavailable until the carrier publishes them.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Teton 5
A 5-year-surrender accumulation-only fixed indexed annuity from SILAC Insurance Company (A.M. Best B), pairing a recognizable S&P 500 annual point-to-point cap option with several proprietary participation-rate indexes and optional Elevation/Elevation Plus liquidity riders.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Teton 7
A 7-year-surrender accumulation-only fixed indexed annuity from SILAC Insurance Company (A.M. Best B), pairing a recognizable S&P 500 annual point-to-point cap option with several proprietary participation-rate indexes and optional Elevation/Elevation Plus liquidity riders.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Teton 10
A 10-year-surrender accumulation-only fixed indexed annuity from SILAC Insurance Company (A.M. Best B), pairing a recognizable S&P 500 annual point-to-point cap option with several proprietary participation-rate indexes and optional Elevation/Elevation Plus liquidity riders.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Teton 14
A 14-year-surrender accumulation-only fixed indexed annuity from SILAC Insurance Company (A.M. Best B), pairing a recognizable S&P 500 annual point-to-point cap option with several proprietary participation-rate indexes and optional Elevation/Elevation Plus liquidity riders.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Teton Bonus 5
A 5-year-surrender accumulation-only fixed indexed annuity from SILAC Insurance Company (A.M. Best B), with a premium bonus credited on day one (vested on a graded multi-year schedule) pairing a recognizable S&P 500 annual point-to-point cap option with several proprietary participation-rate indexes and optional Elevation/Elevation Plus liquidity riders.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Teton Bonus 7
A 7-year-surrender accumulation-only fixed indexed annuity from SILAC Insurance Company (A.M. Best B), with a premium bonus credited on day one (vested on a graded multi-year schedule) pairing a recognizable S&P 500 annual point-to-point cap option with several proprietary participation-rate indexes and optional Elevation/Elevation Plus liquidity riders.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Teton Bonus 10
A 10-year-surrender accumulation-only fixed indexed annuity from SILAC Insurance Company (A.M. Best B), with a premium bonus credited on day one (vested on a graded multi-year schedule) pairing a recognizable S&P 500 annual point-to-point cap option with several proprietary participation-rate indexes and optional Elevation/Elevation Plus liquidity riders.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Teton Bonus 14
A 14-year-surrender accumulation-only fixed indexed annuity from SILAC Insurance Company (A.M. Best B), with a premium bonus credited on day one (vested on a graded multi-year schedule) pairing a recognizable S&P 500 annual point-to-point cap option with several proprietary participation-rate indexes and optional Elevation/Elevation Plus liquidity riders.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Vega 14
SILAC Vega 14 is currently shown as an FIA with live crediting and contract facts available, but current live data does not include published lifetime-income rider details for an age-60, year-10 comparison; treat those specifics as unavailable until the carrier publishes them.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Vega Bonus 14
SILAC Vega Bonus 14 is currently shown as an FIA with live crediting and contract facts available, but current live data does not include published lifetime-income rider details for an age-60, year-10 comparison; treat those specifics as unavailable until the carrier publishes them.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
This directory is not a statement of current availability. Confirm current rates, state availability, premium bands, and rider terms in the analyzer or on each product page.
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Find your fit
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Company overview
What SILAC is
SILAC Insurance Company, headquartered in Salt Lake City, Utah, is a life and annuity carrier specializing in fixed and fixed-indexed annuities, multi-year guaranteed annuities, and Medicare Supplement insurance.
Checked 2026-06-20 · AnnuityRatesHQ carrier research, June 2026
Originally founded in 1935 as Equitable Life & Casualty Insurance Company, the company rebranded to SILAC in 2020 to reflect its national expansion and modernized product line, and now operates in 49 states and the District of Columbia (excluding New York).
Checked 2026-06-20 · AnnuityRatesHQ carrier research, June 2026
SILAC's annuity lineup spans Teton, Denali, and Secure Savings.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Scale, labeled
Founded
1935
Founded as Equitable Life & Casualty; rebranded SILAC in 2020.
Founded 1935 · AnnuityRatesHQ carrier research, June 2026
Headquarters
Salt Lake City, UT
Headquartered in Salt Lake City, Utah.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Footprint
49 states + DC
Operates in 49 states and the District of Columbia, excluding New York.
Checked 2026-06-20 · AnnuityRatesHQ carrier research, June 2026
Ownership
Private
Privately held under SILAC, Inc.
June 2026 · AnnuityRatesHQ carrier research, June 2026
History highlights
SILAC was founded in 1935 as Equitable Life & Casualty Insurance Company in Salt Lake City, Utah.
Founded 1935 · AnnuityRatesHQ carrier research, June 2026
Beginning around 2017, the company transformed from a traditional life insurer into a retirement-focused annuity carrier, rebranding to SILAC in 2020.
Rebranded 2020 · AnnuityRatesHQ carrier research, June 2026
SILAC has been recognized as one of the fastest-growing life insurers during its transformation.
June 2026 · AnnuityRatesHQ carrier research, June 2026
A privately held Utah carrier
SILAC Insurance Company operates as a privately held insurance company under SILAC, Inc.
June 2026 · AnnuityRatesHQ carrier research, June 2026
According to the company, it was founded with a borrowed $20 and has grown into one of Utah's longest-operating active life insurance companies.
June 2026 · AnnuityRatesHQ carrier research, June 2026
In California, the company operates as SILAC Life Insurance Company.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Financial strength
AM Best
B
Fair financial-strength rating, currently under review with developing implications.
AM Best action 2026-06-18
Fitch
BBB-
Investment-grade financial-strength rating; stable outlook noted by Fitch.
June 2026
AnnuityRatesHQ carrier research, June 2026
What makes SILAC different
Fast-growing annuity specialist
SILAC transformed from a legacy life insurer into a fast-growing, retirement-focused annuity carrier with a broad fixed-indexed lineup across the Teton, Denali, Evolve, and Vega series.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Rating under review
SILAC's AM Best Financial Strength Rating is B (Fair) and remains under review with developing implications while AM Best monitors the announced Hildene acquisition. Buyers should weigh the rating tier and review status against rate, surrender, and state guaranty-association limits.
AM Best action 2026-06-18 · AM Best rating action
Deep base-and-bonus FIA menu
Each FIA series offers base and premium-bonus chassis across multiple surrender lengths, pairing an S&P 500 cap option with proprietary participation-rate indexes.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Independent-channel focus
SILAC competes through independent distribution, recognized for competitive crediting rates and simplified contract designs.
Checked 2026-06-20 · AnnuityRatesHQ carrier research, June 2026
About SILAC
SILAC Insurance Company, headquartered in Salt Lake City, Utah, is a privately held annuity specialist founded in 1935 as Equitable Life & Casualty and rebranded to SILAC in 2020.
Checked 2026-06-20 · AnnuityRatesHQ carrier research, June 2026
SILAC focuses on retirement and income solutions across a deep fixed-indexed lineup and Secure Savings MYGAs. Its AM Best Financial Strength Rating is B (Fair) and under review with developing implications, so buyers should weigh the rating tier alongside rate, surrender, and guaranty-association considerations.
AM Best action 2026-06-18 · AM Best rating action
SILAC organizes its indexed annuities into Teton, Denali, Evolve, and Vega families, with Secure Savings serving fixed-rate buyers.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Free Comparison Report
Get SILAC's current rate report
Compare SILAC's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Sources
- SILAC website — 2026-06-20
- AM Best maintains under review with developing implications status for SILAC Insurance Company — 2026-06-18
- AnnuityRatesHQ carrier research, June 2026 — June 2026
- Live product catalog, rates, ratings confirmation, riders, and strategy metrics: CANNEX Financial Exchanges via AdvisorWorld — Verified July 2026