Individual Annuities
The road to financial freedom starts with the right retirement income strategy
Get the latest variable annuity insights
Steve Scanlon, Head of Individual Retirement at Equitable, discusses how variable annuities have evolved and can play a vital role in retirement income strategies during times of market volatility.
Work with us
Call our Individual Retirement sales desk
(888) 517-9900Monday–Friday, 8 a.m. – 7 p.m. ET
For financial professionals only. If you are an individual investor, please contact your financial professional for more information.
Innovative retirement strategies from an industry leader
Equitable was the #1 company in variable annuity sales in 2023, reaching over $14.3 billion
We invented the Registered Index-Linked Annuity (RILA) in 2010, and financial professionals like you have helped us reach #1 in RILA 13 times in 14 years.
*This information is based solely upon and up to year-end 2023 total sales. This ranking does not reflect or account for investment performance, product quality or other criteria. Source: Secure Retirement Institute U.S. Individual Annuities Sales Survey, 2024. GE-6558278.1 (04/24) (Exp. 01/25)
Create customized retirement income strategies with our variable annuities
Whether your clients are looking for enhanced growth, income protection, tax deferral or reassurance in volatile markets, our broad suite of variable annuities complements a wide range of retirement income strategies.
Structured Capital Strategies PLUS®
A level of downside protection with the opportunity to lock in potential growth when markets are up or down.
Structured Capital Strategies® Income
Guaranteed income for life and multiple levels of partial downside protection to weather market losses.
Retirement Cornerstone®
Guaranteed income for life with spousal continuation and death benefit options.
Investment Edge®
Enhanced opportunity for tax-deferred growth with flexible options and tax-efficient distributions.
See the latest Performance Cap Rates for our variable annuities with buffered investment options.
Are you talking to your clients about retirement income protection?
- Nearly nine out of ten consumers believe financial protection is important for retirement planning.
- Two-thirds would protect half or more of their retirement income from loss.1
More reasons to choose Equitable
Always innovating
We invented the Guaranteed Minimum Income Benefit and were first in the industry to offer a Registered Index-Linked Variable Annuity.
Strength and stability
We maintain consistently high marks from A.M. Best, Moody’s and Standard & Poor’s.2
Excellence in service
Our portal makes it easy to manage your book of business, perform transactions, and connect with customer service.
Leaders in risk management
We adhere to the highest risk management standards in the industry while maintaining a strong balance sheet and capital position.Ready to build stronger retirement income strategies?
Monday–Friday 8 a.m.– 7 p.m. ET
For financial professionals only. If you are an individual investor, please contact your financial professional for more information.
Looking for more helpful insights and resources?
1 Source: Alliance for Lifetime Income, Financial Protection as an Asset Class.
2 Source: Equitable financial strength ratings
Important Note
A variable annuity is a long-term financial product designed to help you save for retirement. In essence, annuities are contractual agreements in which payment(s) are made to an insurance company, which agrees to pay out an income or a lump sum amount at a later date. Variable annuities are subject to market risk, including the possible loss of principal invested, and they have mortality and expense charges, account fees, investment management fees, administrative fees, charges for special contract features, and restrictions and limitations. Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59½. Optional benefits are available for an extra charge in addition to the ongoing fees and expenses of the variable annuity.
Withdrawals from annuities are subject to normal income tax treatment and if taken prior to age 59, may be subject to an additional 10% federal income tax penalty. Withdrawals may also be subject to a contractual withdrawal charge. Annuities contain certain limitations and restrictions.
If you are purchasing an annuity contract to fund an IRA or employer-sponsored retirement plan, you should understand that such annuities do not provide tax-deferral benefits beyond those already provided by the Internal Revenue Code. You may also want to consider the relative features, benefits and costs of these annuities with any other investment that you may use in connection with your retirement plan or arrangement.
Please consider the charges, risk, expenses, and investment objectives carefully before purchasing a variable annuity. For a prospectus containing this and other information, please click on the name of the variable annuity above or contact a financial professional. Read it carefully before investing or sending money.
Retirement Cornerstone® Series B contracts have a declining seven-year withdrawal charge schedule (7%, 7%, 6%, 6%, 5%, 3%, 1%). Structured Capital Strategies PLUS® contracts have a declining six-year withdrawal charge schedule (7%, 7%, 6%, 5%, 4%, 3%). Investment Edge® Series B contracts have a declining five-year withdrawal charge schedule (6%, 6%, 5%, 4%, 3%). Structured Capital Strategies® Income Series B contracts have a declining six-year withdrawal charge schedule (7%, 7%, 6%, 5%, 4%, 3%).
Guarantees are based on the claims-paying ability of the issuing life insurance company.
Variable annuity products are issued by Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY) and, depending on the particular contract and its distributor, Equitable Financial Life Insurance Company of America (Equitable America) (an AZ stock company) and co-distributed by affiliates Equitable Distributors, LLC and Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN). Equitable Financial, Equitable America, Equitable Distributors and Equitable Advisors do not provide tax or legal advice.
Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY); Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company, and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN). The obligations of Equitable Financial and Equitable America are backed solely by their claims-paying abilities.
Contract form #s: Retirement Cornerstone® 19: ICC12BASE3, ICC12BASE4 and any state variations. Structured Capital Strategies PLUS®: Idaho contract form #s: 2021SCSBASE-A(ID) and 2021SCSBASE-A(ID)-Z. All other states contract form #s: 2021SCSBASE-A, 2021SCSBASE-B, 2021SCSBASE-A-Z, 2021SCSBASE-B-Z and any state variations. Structured Capital Strategies® Income: Idaho contract form #s: 2021SCSBASE-A(ID) and 2021SCSBASE-A(ID)-Z. All other states contract form #s: 2021SCSBASE-A, 2021SCSBASE-B, 2021SCSBASE-A-Z, 2021SCSBASE-B-Z and any state variations. Investment Edge® 21: Idaho contract form #s: 2021BASE2-B(ID)-Z. All other states contract form #s: 2021BASE2-A-Z,2021BASE2-B-Z and any state variations.
