There's an interesting development: a life insurance company in Delaware, USA, has recently incorporated the BlackRock US Stock Bitcoin Balanced Risk Index into its fixed indexed annuity products.

How does it work? They provide clients with Bitcoin exposure through the iShares Bitcoin Trust ETF ( IBIT ). The core logic is to combine traditional US stocks with Bitcoin. The benefit of this design is setting a target volatility of 12%, while also protecting the principal of the annuity. In other words, they want to capture the upside potential of Bitcoin without being too volatile.

This reflects a trend: cryptocurrencies, once only accessible to professional investors, are now quietly entering traditional financial products. Insurance and annuities, which are relatively conservative financial tools, are starting to consider allocating digital assets, indicating that Bitcoin's recognition as an asset class is rising. Of course, this balanced approach also considers risk management, making it attractive to investors seeking stable returns.