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Fixed Indexed Annuity

Teton 10

Silac Insurance Company

7.75%

Best Cap

5%

Free W/D

49

Jurisdictions

Product data status: May 29, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

7.75% cap on S&P 500

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.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who can commit to a 10-year deferral, want a recognizable S&P 500 cap option alongside proprietary participation-rate strategies, and are comfortable with a B+ A.M. Best carrier in exchange for the higher caps and participation rates SILAC tends to publish. Buyers who want enhanced access to contract value can add the Elevation or Elevation Plus liquidity rider.

AM Best

B+ Good

Surrender period

10 years

Free withdrawal

5%/yr

Availability

49 jurisdictions (excl. New Jersey, New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

7.25% cap rate

S&P 500

S&P 500 Index

2.5% cap rate

S&P 500

S&P 500 Index

7.75% cap rate

S&P 500

S&P 500 Index

2.65% cap rate

S&P 500

S&P 500 Index

47% participation rate

S&P 500

S&P 500 Index

85% participation rate

S&P 500

S&P 500 RavenPack AI Index (USD) ER

175% participation rate

S&P 500

S&P 500 Duo Swift Index (USD) ER

65% participation rate

S&P 500

S&P 500 Index

50% participation rate

S&P 500

S&P 500 Index

90% participation rate

S&P 500

S&P 500 RavenPack AI Index (USD) ER

185% participation rate

Fixed Account

Fixed Account

4% declared rate

Fixed Account

Fixed Account

4.25% declared rate

+ 6 volatility-controlled index options (Barclays Atlas, Nasdaq Generations, Bloomberg Versa...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Crediting menu pairs a recognizable S&P 500 annual point-to-point cap with multiple participation-rate strategies on proprietary indexes (Barclays Atlas 5, Bloomberg Versa 10, Nasdaq Generations 5, S&P 500 Duo Swift, S&P 500 RavenPack AI), so buyers can hold a like-for-like S&P comparison option alongside higher-participation volatility-controlled alternatives in the same contract.
  • Two optional Liquidity Riders are filed on this contract — Elevation and Elevation Plus — letting buyers trade an ongoing rider charge for enhanced access to contract value beyond the standard free-withdrawal allowance.
  • Free-withdrawal allowance, the full surrender ladder, MVA flag, and surrender waivers (nursing-home, home-health-care, terminal-illness, and RMD) are all visible on this page rather than buried in a brochure.

What to confirm

  • This is NOT a guaranteed-lifetime-withdrawal product. The live feed shows zero income riders attached to Teton 10. The Elevation and Elevation Plus riders shown on this contract are Liquidity Riders (enhanced-access features), not GLWB lifetime-income riders — do not read them as a guaranteed payout for life.
  • Most of the strategy menu sits in proprietary, volatility-controlled indexes — Barclays Atlas 5, Bloomberg Versa 10, Nasdaq Generations 5, S&P 500 Duo Swift, and S&P 500 RavenPack AI. Their participation rates can look high in absolute terms but are not directly comparable to an S&P 500 cap — evaluate each strategy on its own merits and its own back-tested behavior.
  • Surrender period runs a full 10 years and the first-year charge is meaningful, so this contract assumes the buyer can leave the principal locked beyond the free-withdrawal allowance for the duration of the schedule. A market value adjustment also applies on surrenders above the free-withdrawal allowance, which can move the actual amount received up or down with interest rates.
  • SILAC Insurance Company carries an A.M. Best rating of B+ (good), which is a notch below the A-/A range many large competitors hold. Buyers prioritizing top-tier carrier financial-strength should weigh the rating against the rate competitiveness — SILAC tends to publish unusually high caps and participation rates that compensate for the rating gap.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider (this filing carries none), want short-surrender liquidity, prefer a top-tier A-rated or A+-rated carrier, or want a plain MYGA-style declared rate — a long-surrender accumulation FIA from a B+ carrier is not built to deliver any of those.

All crediting strategies

View rate listings (20 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 175% · 1-yr

S&P 500 RavenPack AI Index (USD) ER

participation

10-yr surrender

Par: 165% · 1-yr

Barclays Atlas 5 Index

participation

10-yr surrender

Par: 165% · 1-yr

Nasdaq Generations 5 Index

participation

10-yr surrender

Par: 85% · 1-yr

S&P 500 Index

monthly_avg_participation

10-yr surrender

Par: 80% · 1-yr

Bloomberg Versa 10 Index

participation

10-yr surrender

Par: 47% · 1-yr

S&P 500 Index

participation

10-yr surrender

Cap: 7.25% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 4% · 1-yr

Fixed Account

fixed

10-yr surrender

Cap: 2.5% · 1-yr

S&P 500 Index

monthly_sum_cap

10-yr surrender

Par: 65% · 1-yr

S&P 500 Duo Swift Index (USD) ER

participation

10-yr surrender

Par: 185% · 1-yr

S&P 500 RavenPack AI Index (USD) ER

Par: 175% · 1-yr

Nasdaq Generations 5 Index

Par: 170% · 1-yr

Barclays Atlas 5 Index

Par: 90% · 1-yr

S&P 500 Index

Par: 82% · 1-yr

Bloomberg Versa 10 Index

Par: 50% · 1-yr

S&P 500 Index

Cap: 7.75% · 1-yr

S&P 500 Index

Fixed: 4.25% · 1-yr

Fixed Account

Cap: 2.65% · 1-yr

S&P 500 Index

Par: 65% · 1-yr

S&P 500 Duo Swift Index (USD) ER

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Linked review

Teton 10 review notes

Discover a detailed review of the SILAC Teton Fixed Indexed Annuity, covering features, benefits, and potential drawbacks.

3/5Read review
Review rating details3/5
Financial strength2/5
Return potential4/5
Income and benefits3/5
Free benefits, liquidity, and costs2/5
Transparency and service4/5

CFA take

“Offers a balanced mix of accumulation potential and legacy planning, supported by living benefits and an optional rider that enhances flexibility for retirement needs. However, a relatively lower default liquidity of 5% during the withdrawal-charge period, with the more typical 10% available only through an added rider, along with only moderate insurer credit strength, may limit its appeal relative to competing products.”

Nikhil Bhauwala

Key Features

Free withdrawal

5%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

4

Home health care rider, Nursing home waiver, RMD waiver, Terminal illness waiver

Death benefit

Account Value DB

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 1.50%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 2.50%

Strategy guarantee

Minimum guaranteed participation: 15.00%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

12%

Yr 2

12%

Yr 3

11%

Yr 4

10%

Yr 5

9%

Yr 6

8%

Yr 7

7%

Yr 8

6%

Yr 9

4%

Yr 10

2%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

Teton 10 brochure pdf.pdf

Confidence: highReviewed Apr 15, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestB+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Teton 10 currently shows 19 distinct indexed or fixed crediting choices across 20 current rate listings, including S&P 500 Index, with 6 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 7.25% cap
  • S&P 500 Index: 2.5% cap
  • S&P 500 Index: 7.75% cap

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 5%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as Teton 10 brochure pdf.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

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