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Access fee-based annuities through a curated marketplace and digital platform. From replacing existing contracts to incorporating new annuities into client portfolios, Flourish Annuities∫ is here to help.
Unsure of which products are right for your clients' financial needs?
Flourish partners with trusted insurance carriers to offer advisors streamlined and compliant access to annuities. Simply click on the logos below to learn more about our carrier partners.
Annuities offered on the Flourish platform are always commission-free. View available products using the links below.
Multi-Year
Guaranteed Annuity
(MYGA)
May be a good fit for clients seeking new fixed income portfolio options.
Fixed Index
Annuity
(FIA)
May be a good fit for clients seeking stable growth with principal protection.
Registered
Index-Linked Annuity
(RILA)
May be a good fit for clients seeking upside potential with some downside protection.
Investment Only
Variable Annuity
(IOVA)
May be a good fit for clients seeking high upside potential with investment flexibility.
Annuities
with
Income
May be a good fit for clients seeking guaranteed income payments for life.
MYGAs offer competitive rates and guaranteed returns. They are a simple and secure fixed income solution for client portfolios. Learn more about the key benefits of MYGAs.††
Also known as: fixed annuity, fixed deferred annuity, fixed rate annuity
Product
Carrier rating >
Rate <††
Term ††
Purchase amount
Penalty-free withdrawals ††‡‡
Aspida Advisory MYGA 2
from Aspida∆∆
A- (Excellent)1
4.85%
2 years
$25,000 - $99,999
Available starting year 2
Aspida Advisory MYGA 2
from Aspida
A- (Excellent)
5.00%
2 years
$100,000+2
Available starting year 2
Aspida Advisory MYGA 3
from Aspida
A- (Excellent)
5.15%
3 years
$25,000 - $99,999
Available starting year 2
Aspida Advisory MYGA 5
from Aspida
A- (Excellent)
5.50%
5 years
$25,000 - $99,999
Available starting year 2
Aspida Advisory MYGA 7
from Aspida
A- (Excellent)
5.50%
7 years
$25,000 - $99,999
Available starting year 2
American Pathway Advisory 3
from Corebridge Financial3
A (Excellent)4
4.50%
3 years
$25,000 - $99,999
Available starting year 1
No withdrawal charges
American Pathway Advisory 3
from Corebridge Financial
A (Excellent)
5.20%
3 years
$100,000 - $249,999
Available starting year 1
No withdrawal charges
American Pathway Advisory 3
from Corebridge Financial
A (Excellent)
5.30%
3 years
$250,000+
Available starting year 1
No withdrawal charges
American Pathway Advisory 5
from Corebridge Financial
A (Excellent)
4.50%
5 years
$25,000 - $99,999
Available starting year 1
No withdrawal charges
American Pathway Advisory 5
from Corebridge Financial
A (Excellent)
5.20%
5 years
$100,000 - $249,999
Available starting year 1
No withdrawal charges
American Pathway Advisory 5
from Corebridge Financial
A (Excellent)
5.30%
5 years
$250,000+
Available starting year 1
No withdrawal charges
American Pathway Advisory 7
from Corebridge Financial
A (Excellent)
4.50%
7 years
$25,000 - $99,999
Available starting year 1
No withdrawal charges
American Pathway Advisory 7
from Corebridge Financial
A (Excellent)
5.20%
7 years
$100,000 - $249,999
Available starting year 1
No withdrawal charges
American Pathway Advisory 7
from Corebridge Financial
A (Excellent)
5.30%
7 years
$250,000+
Available starting year 1
No withdrawal charges
Advantage 5 Advisory5
from MassMutual Ascend##
A++ (Superior)6
5.30%
5 years
$50,000 - $249,999
Available starting year 1
Advantage 5 Advisory
from MassMutual Ascend
A++ (Superior)
5.40%
5 years
$250,000+
Available starting year 1
This table provides general product information. The information shown is carrier-specific and subject to change by the respective carrier. Please contact our Annuities Specialists for details.
FIAs offer a balanced approach to growth and risk. Returns are linked to a market index and capped in exchange for principal protection. Available FIAs include a fixed account option with penalty-free withdrawals starting in year 1.††‡‡
Also known as: equity indexed annuity, indexed annuity
Product
Carrier rating >
Indexes
Crediting methods & terms ††
Liquidity ††‡‡
FIA from Corebridge Financial
A (Excellent)
S&P 500®
Russell 2000
MSCI EAFE
Franklin Quality Dividend IndexTM
ML Strategic Balanced Index®
PIMCO Global Optima Index®
Cap: 1 year
Participation rate: 1 year
Performance trigger: 1 year
Surrender charge: N/A
Market value adjustment: 5 years
FIA from MassMutual Ascend
A++ (Superior)
S&P 500®
S&P 500 Risk Control
S&P U.S. Retiree Spending
iShares U.S. Real Estate
iShares MSCI EAFE
Cap: 1 year
Participation rate: 1 year
Surrender charge: 4 years
Market value adjustment: N/A
FIA from MassMutual Ascend
A++ (Superior)
S&P 500®
S&P 500 Risk Control
S&P U.S. Retiree Spending
iShares U.S. Real Estate
iShares MSCI EAFE
First Trust Barclays Edge
Cap: 1 year
Participation rate: 1 year
Cap lock: 1 year with 5 years
Surrender charge: N/A
Market value adjustment: 5 years
FIA from MassMutual Ascend
A++ (Superior)
S&P 500®
S&P 500 Risk Control
S&P US Retiree Spending
iShares U.S. Real Estate
iShares MSCI EAFE
First Trust Barclays Edge
Cap: 1 year
Participation rate: 1 year
Cap lock: 1 year with 7 years
Surrender charge: 7 years
Market value adjustment: 7 years
FIA from Jackson10
A (Excellent)11
S&P 500®
MSCI EAFE
Cap: 1 year
Performance trigger: 1 year
Participation rate with spread: 1 year
Surrender charge: N/A
Market value adjustment: 5, 7, 10 years
This table provides general product information. The information shown is carrier-specific and subject to change by the respective carrier. Crediting methods vary and may not be available with all indexes. Please contact our Annuities Specialists for details.
RILAs offer upside potential with some downside protection. Returns are linked to a market index and capped, typically at a higher level than FIAs. RILAs are considered securities and are subject to investment risks, including possible principal loss. Losses are lowered or limited by a buffer or floor, reducing downside risk.††
Also known as: buffered annuity, structured annuity
Product
Indexes
Crediting methods & terms ††
Downside protection ††
Other features
Liquidity ††‡‡
Structured Capital Strategies PLUS®
RILA from Equitable12
S&P 500®
Russell 2000
MSCI EAFE
Nasdaq 100
MSCI Emerging Markets
Euro Stoxx 50
Cap: 1, 6 years
Dual-direction: 1, 6 years
Step up: 1, 6 years
Dual step up: 1 year
Annual lock: 6 years
Enhanced-upside: 1, 6 years
Loss limiter: 1, 6 years
Buffer:
10%, 15%, 20%, 40%
Performance lock with reinvestment
Optional return of premium death benefit for an additional fee
Surrender charge: N/A
Market value adjustment: N/A
RILA from MassMutual Ascend
S&P 500®
Russell 2000
iShares MSCI EAFE ETF
iShares U.S. Real Estate ETF
SPRD Gold Shares ETF
First Trust Barclays Edge
Cap: 1 year
Participation rate: 1, 3, 6 years
Performance trigger: 1 year
Dual performance trigger: 1 year
Buffer: 10%, 20%
Floor: -10%
Downside participation rate: 50%
Performance lock
Return of premium death benefit included at no additional fee
Surrender charge: N/A
Market value adjustment: 6 years
Jackson Market Link Pro Advisory II
RILA from Jackson
S&P 500®
Russell 2000
MSCI EAFE
MSCI Emerging Markets
MSCI KLD 400 Social
Cap: 1, 3, 6 years
Performance boost: 1, 3, 6 years
Performance trigger: 1 year
Buffer: 10%, 20%
Floor: 10%
Performance lock
Return of premium death benefit included at no additional fee
Surrender charge: N/A
Market value adjustment: 6 years
This table provides general carrier product information. The information shown is carrier-specific and subject to change by the respective carrier. Crediting methods and downside protection vary and may not be available with all indexes. Please contact our Annuities Specialists for details.
IOVAs offer uncapped upside potential with investment flexibility in exchange for no downside protection. Returns are based on various investment options. IOVAs are considered securities and are subject to investment risks, including possible principal loss.††
Also known as: variable annuity
Product
Number of investment options
Fixed account option
Contract fees
Death benefits (fees may apply) ††
Liquidity ††‡‡
IOVA from Equitable
180+
No
Maintenance: $0
Core contract: $0
Subaccount: 0% - 2.65%
Contract value
Return of premium
Surrender charge: N/A
Market value adjustment: N/A
IOVA from Jackson
100+
No
Maintenance: $0
Core contract: $20 per month**
Subaccount: 0.52% - 2.44%
Contract value
Return of premium
EarningsMax
Surrender charge: N/A
Market value adjustment: N/A
IOVA from Jackson
100+
Yes
Maintenance: $35**
Core contract: 0.45%
Subaccount: 0.09% - 2.14%
Contract value
Return of premium
Highest quarterly anniversary value
Roll-up
Roll-up/HQAV combo
Surrender charge: N/A
Market value adjustment: N/A
Jackson Retirement Investment Annuity IOVA from Jackson
100+
Yes
Maintenance: $35**
Core contract: 0.40%
Subaccount: 0.09% - 2.14%
Contract value
Return of premium
Surrender charge: N/A
Market value adjustment: N/A
**Carrier contract fee may be waived if premium exceeds a certain amount.
This table provides general product information. Contract fees listed are carrier-specific and subject to change. Additional carrier fees, including fund fees and fees for optional death benefit riders, may apply. Please contact our Annuities Specialists for details.
Advisors often incorporate annuities with guaranteed lifetime withdrawal benefits (GLWBs) into client portfolios to help create a guaranteed income stream for life. GLWBs, also referred to as living benefits or income riders, can be added for an additional fee to eligible annuity contracts, ranging from fixed to variable. A GLWB is distinct from annuitization. Learn more about annuities with income.††
Also known as: annuities with GLWBs, income annuities
Product
Carrier rating >
Client use case
Product features ††
Income features ††
Annual fee for income
MYGA with GLWB from Corebridge Financial
A (Excellent)
Risk profile: Conserative
Income timing: Soon, less than 5 years
Income growth potential: Low
Steady contract value growth
Market risk protection
Steady increase in income rate when income is deferred
0.95% of contract value
Power Index Advisory with Lifetime Income Max
FIA with GLWB from Corebridge Financial
A (Excellent)
Risk profile: Moderate
Income timing: Soon, less than 5 years
Income growth potential: Moderate
Potential contract value growth based on index performance
Reduced risk with downside protection
10% growth of the income base each year income is deferred
1.00% of income base
Power Index Advisory with Lifetime Income Plus Multiplier Flex
FIA with GLWB from Corebridge Financial
A (Excellent)
Risk profile: Moderate
Income timing: Soon, less than 5 years
Income growth potential: Moderate
Potential contract value growth based on index performance
Reduced risk with downside protection
Income base growth linked to index performance
Opportunity to match or double interest earned
1.00% of income base
MarketProtector Advisory with IncomeAccelerator
FIA with GLWB from Jackson
A (Excellent)
Risk profile: Moderate
Income timing: Soon, less than 5 years
Income growth potential: Moderate
Potential contract value growth based on index performance
Reduced risk with downside protection
Steady growth of the income rate each year
1.10% of contract value
Index Protector 7 with IncomeDefender
FIA with GLWB from MassMutual Ascend
A++ (Superior)
Risk profile: Moderate
Income timing: Soon, less than 5 years
Income growth potential: Moderate
Potential contract value growth based on index performance
Reduced risk with downside protection
8% growth of the income base each year income is deferred
Opportunity for more growth with strong index performance
0.85% of income base
Structured Capital Strategies® Income
RILA with GLWB from Equitable
A (Excellent)14
Risk profile: Moderate to aggressive
Income timing: Later, more than 5 years
Income growth potential: High
High potential contract value growth based on index performance
Various levels of protection from market drawdowns
7% growth of income base each year income is deferred
Opportunity for more growth with strong index performance
1.50% of income base
Jackson Market Link Pro Advisory II with +Income
RILA with GLWB from Jackson
A (Excellent)
Risk profile: Moderate to aggressive
Income timing: Later, more than 5 years
Income growth potential: High
High potential contract value growth based on index performance
Various levels of protection from market drawdowns
Growth of income rate based on age and income deferral period
Potential for income based growth linked to index performance
1.45% of income base
Perspective Advisory II with Income
VA with GLWB from Jackson
A (Excellent)
Risk profile: Aggressive
Income timing: Later, more than 5 years
Income growth potential: Very high
Other: Market participation and customization
Very high potential for contract value growth based on wide range of investment options
Various options to grow income base
0.30% - 2.15% on GWB balance
Jackson Retirement Investment Annuity with +Protect
VA with GLWB from Jackson
A (Excellent)
Risk profile: Aggressive
Income timing: Later, more than 5 years
Income growth potential: Very high
Other: Market participation and protected lifetime income
Very high potential for contract value growth based on wide range of investment options
Opportunity to grow guaranteed withdrawal balance every fifth contract anniversary
0.35% during deferral period
0.80% during withdrawal period
This table provides general product information. The information shown is carrier-specific and subject to change. Please contact our Annuities Specialists for details.
∫ Flourish Annuities refers generally to the annuity platform operated by Flourish Technologies LLC and to Flourish Insurance Agency LLC, and, where applicable, Flourish Financial LLC. All Flourish entities are affiliates of each other. Flourish Insurance Agency operates in its capacity as a licensed insurance producer with offices in Jersey City, New Jersey, and does business in California under the name Flourish Digital Insurance Agency, providing insurance services related to such platform and the individual annuity contracts intended to be purchased by individual clients of registered investment advisors (“RIAs”). Variable annuities, defined in this context to include Registered Index-Linked Annuities (“RILAs”), are offered through Flourish Financial LLC, a registered broker-dealer and FINRA member. Flourish Financial LLC is not a bank.
An annuity is an insurance contract. Variable annuities are considered securities. Securities are subject to investment risks, including possible loss of the principal invested. Annuities available on the platform are sold through Flourish Annuities and are issued by one or more licensed insurance companies. The issuing insurance company, not any Flourish company, is solely responsible for its own financial and contractual obligations. All benefits and guarantees of the annuity contract are subject to the claims paying ability of the issuing insurance company. This is not a proposal or a solicitation to purchase insurance and is for RIA use only. Flourish Annuities is not available to New York residents.
†† The issuing insurance company, not any Flourish company, is solely responsible for its own financial and contractual obligations. All benefits and guarantees of the annuity contract are subject to the claims paying ability of the issuing insurance company.
> View AM Best’s Guide to Financial Strength Ratings for a full description of its rating scale and categories and to compare where a particular insurer's ranking falls within the total number of categories. https://www.ambest.com/ratings/guide.pdf
< Rates displayed here are subject to change at any time, including a downward change.
1 Aspida: AM Best rating affirmed June 21, 2024.
3 Annuities are issued by American General Life Insurance Company (AGL). AGL is a wholly-owned subsidiary of Corebridge Financial, Inc. Guarantees are backed by the claims-paying ability of, and financial obligations of insurance products are the responsibility of, AGL.
American Pathway Advisory annuities offered here are fixed annuities only.
## MassMutual Ascend Life Insurance CompanySM (Cincinnati, Ohio) is a wholly-owned subsidiary of Massachusetts Mutual Life Insurance Company (MassMutual).
MassMutual Ascend Life Insurance Company, and Flourish Insurance Agency LLC and affiliated Flourish entities, are each wholly-owned subsidiaries of Massachusetts Mutual Life Insurance Company. MassMutual Ascend Life Insurance Company and not Massachusetts Mutual Life Insurance Company, is fully responsible for its contract obligations.
12 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 with an administrative office located in Charlotte, NC; and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN).
Outside of New York state, Structured Capital Strategies PLUS®, Structured Capital Strategies Income®, and Investment Edge® variable annuity products are issued by Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company with an administrative office located in Charlotte, NC. The obligations of Equitable America are backed solely by its own claims-paying abilities. GE-7869104.1 (4/25) (Exp. 4/29)
Variable annuities are offered by prospectus only, which you can obtain from your financial professional or the life insurance company. The prospectus contains detailed information about investment objectives, risks, charges, and expenses. You should read the prospectus and consider this information carefully before purchasing a variable annuity contract.
13 MM Ascend Index Achiever Advisory: Registered index-linked annuities can only be sold through a Broker/Dealer that is contracted with MassMutual AscendSM. Any sales solicitation must be accompanied or preceded by a prospectus. To obtain a copy of the prospectus, please visit MassMutualAscend.com/RILArates. Principal Underwriter/Distributor: MM Ascend Life Investor Services, LLC, member FINRA and an affiliate of MassMutual Ascend Life Insurance CompanySM. Product is issued by MassMutual Ascend under contract form P1841622NW, P1841622ID and P1841622OR. Form numbers, features and availability may vary by state. This content does not apply in the state of New York.
