Crypto Investment-Only Variable Annuity

An Investment-Only Variable Annuity (IOVA) is a tax-deferred investment vehicle designed for accredited investors. Unlike traditional variable annuities, IOVAs have no insurance guarantees or living benefits—just pure investment exposure with tax-deferred growth. With Crypto IOVA, your subaccounts include cryptocurrency investments.

Crypto IOVA provides uncapped returns with tax-deferred compounding—no annual taxes on gains until withdrawal. With no insurance costs or mortality charges, more of your money goes directly into investments. For accredited investors seeking crypto exposure in a tax-advantaged wrapper, IOVA offers a cost-efficient structure.

VUL is life insurance with an investment component—it includes a death benefit and associated costs. IOVA is purely an investment vehicle with no insurance element. This means lower fees (no mortality charges) but also no death benefit for beneficiaries. IOVA is designed for wealth accumulation, while VUL serves both protection and investment goals.

Crypto IOVA subaccounts typically include Bitcoin, Ethereum, and diversified crypto funds. Many policies also offer traditional options like stock and bond funds, letting you build a balanced portfolio. You control the allocation and can adjust your strategy as market conditions change.

Crypto IOVA is designed for accredited investors with high risk tolerance and a long time horizon. If you're comfortable with crypto volatility, want maximum growth potential with minimal fees, and don't need the insurance protection of VUL, IOVA offers a streamlined way to access crypto markets tax-efficiently.

Yes, IOVA policies allow you to reallocate between subaccounts without triggering a taxable event. You might start aggressive with 80% crypto, then shift toward traditional assets as you approach your withdrawal timeline. This flexibility lets your investment strategy evolve with your goals.

IOVA withdrawals are taxed as ordinary income on the gains portion. Your original contributions come out tax-free, but any earnings are taxed at your income tax rate when withdrawn. Withdrawals before age 59½ may also incur a 10% early withdrawal penalty. This is why IOVA works best as a long-term investment vehicle.

Your account value will decrease with market losses since IOVA has no floor or guarantees. However, there are no insurance costs to maintain—your only concern is the investment performance itself. Many investors view downturns as opportunities to add to positions at lower prices while maintaining a long-term perspective.