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Flourish Annuities Marketplace

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?

Connect with our Annuities Specialists

Annuity carriers

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.

Products available through Flourish Annuities^††

Annuities offered on the Flourish platform are always commission-free. View available products using the links below.

MYGA

Multi-Year
Guaranteed Annuity
(MYGA)

May be a good fit for clients seeking new fixed income portfolio options.

FIA

Fixed Index
Annuity
(FIA)

May be a good fit for clients seeking stable growth with principal protection.

RILA

Registered
Index-Linked Annuity
(RILA)

May be a good fit for clients seeking upside potential with some downside protection.

IOVA

Investment Only
Variable Annuity
(IOVA)

May be a good fit for clients seeking high upside potential with investment flexibility.

Income

Annuities
with
Income

May be a good fit for clients seeking guaranteed income payments for life.

See Income annuities

Multi-Year Guaranteed Annuity (MYGA)

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

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)

5.25%

3 years

$25,000 - $99,999

Available starting year 2

Aspida Advisory MYGA 3
from Aspida

A- (Excellent)

5.40%

3 years

$100,000+

Available starting year 2

Aspida Advisory MYGA 5
from Aspida

A- (Excellent)

5.65%

5 years

$25,000 - $99,999

Available starting year 2

Aspida Advisory MYGA 5
from Aspida

A- (Excellent)

5.80%

5 years

$100,000+

Available starting year 2

Aspida Advisory MYGA 7
from Aspida

A- (Excellent)

5.70%

7 years

$25,000 - $99,999

Available starting year 2

Aspida Advisory MYGA 7
from Aspida

A- (Excellent)

5.85%

7 years

$100,000+

Available starting year 2

American Pathway Advisory 3
from Corebridge Financial³

A (Excellent)⁴

4.25%

3 years

$25,000 - $99,999

Available starting year 1
No withdrawal charges

American Pathway Advisory 3
from Corebridge Financial

A (Excellent)

4.75%

3 years

$100,000 - $249,999

Available starting year 1
No withdrawal charges

American Pathway Advisory 3
from Corebridge Financial

A (Excellent)

4.85%

3 years

$250,000+

Available starting year 1
No withdrawal charges

American Pathway Advisory 5
from Corebridge Financial

A (Excellent)

4.25%

5 years

$25,000 - $99,999

Available starting year 1
No withdrawal charges

American Pathway Advisory 5
from Corebridge Financial

A (Excellent)

4.75%

5 years

$100,000 - $249,999

Available starting year 1
No withdrawal charges

American Pathway Advisory 5
from Corebridge Financial

A (Excellent)

4.85%

5 years

$250,000+

Available starting year 1
No withdrawal charges

American Pathway Advisory 7
from Corebridge Financial

A (Excellent)

4.25%

7 years

$25,000 - $99,999

Available starting year 1
No withdrawal charges

American Pathway Advisory 7
from Corebridge Financial

A (Excellent)

4.75%

7 years

$100,000 - $249,999

Available starting year 1
No withdrawal charges

American Pathway Advisory 7
from Corebridge Financial

A (Excellent)

4.85%

7 years

$250,000+

Available starting year 1
No withdrawal charges

Advantage 5 Advisory⁵
from MassMutual Ascend^##

A++ (Superior)⁶

4.75%

5 years

$50,000 - $249,999

Available starting year 1

Advantage 5 Advisory
from MassMutual Ascend

A++ (Superior)

4.85%

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.

Fixed Index Annuity (FIA)

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 ^††‡‡

Power Index Advisory

FIA from Corebridge Financial

A (Excellent)

S&P 500®

Russell 2000

MSCI EAFE

Franklin Quality Dividend Index^TM

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

Index Protector 4⁷

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

Index Protector 5 MVA⁸

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

Index Protector 7⁹

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

MarketProtector Advisory

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.

Registered Index-Linked Annuity (RILA)

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

Index Achiever Advisory¹³

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 III

RILA from Jackson

S&P 500®

Russell 2000

Nasdaq-100®

MSCI EAFE

MSCI Emerging Markets

Cap: 1, 3, 6 years

Performance boost: 1, 3, 6 years

Performance trigger: 1 year

Buffer: 10%, 20%, 100%

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.

Investment Only Variable Annuity (IOVA)

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 ^††‡‡

Investment Edge®

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

Elite Access Advisory II

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

Perspective Advisory II

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.

Annuities with income

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

Assured Edge Advisory

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

Income rate sheet

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

Income rate sheet

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

Income rate sheet

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

Income rate sheet

1.10% of contract value

Jackson Income Assurance Advisory

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

30% bonus added to the income base at issue

8% growth of the income base each year income is deferred

Steady growth of the age based income rate each year income is deferred, for most ages

Income rate sheet

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

Income rate sheet

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

Income rate sheet

1.50% of income base

Jackson Market Link Pro Advisory III 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

Income rate sheet

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

Income rate sheet

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

Income rate sheet

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.

Need guidance? Flourish Annuities Specialists are here to help.

Get in touch

Flourish is an online platform through which investors can access financial services and products. Flourish’s offerings are provided by different entities and are subject to different terms, investor protections, and risks. Flourish Cash is offered by Flourish Financial LLC, a registered broker-dealer and FINRA member. Flourish Financial LLC is not a bank. Check the background of Flourish Financial LLC and its personnel on FINRA's BrokerCheck. 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. 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. Variable annuities, defined in this context to include Registered Index-Linked Annuities (“RILAs”), are offered through Flourish Financial LLC. Annuities shown on the platform are sold through Flourish Annuities, and are issued by one or more licensed insurance companies. The Flourish entities mentioned above are affiliates. Flourish Cash and Flourish Annuities accounts are separate accounts and only assets in Flourish Cash accounts may be eligible for protection by the FDIC or SIPC. Please review the Legal section of our website, and the disclosures provided with each Flourish service or product for further information. If you were introduced or invited to Flourish by an investment advisor or other third party, please be aware that, unless otherwise disclosed to you, they are not affiliated with any Flourish entity. The role of the investment advisor or other firm that invited you to Flourish may vary between different Flourish services and products, as further described in your terms of service. © 2025 Flourish. All rights reserved.

∫ 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.

> AM Best ratings are provided on a scale from A++ (Superior), the highest rating, to D - (Poor), the lowest. Rating criteria include, among other things, financial strength, operating performance, ownership, and enterprise risk management. 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.

‡‡ Any withdrawals taken prior to the Contract Owner reaching the age of 59½ may also be subject to a 10% federal tax penalty, in addition to ordinary federal and state income taxes. The Contract Owner should seek legal and tax advice before making withdrawals prior to age 59 ½.

∆∆ Aspida is the trade name of Aspida Life Insurance Company and its affiliates. Each company is solely responsible for its own financial conditions and contractual obligations.

1 Aspida: AM Best rating affirmed June 21, 2024.

2 $25,000 premium minimum to $1,000,000 maximum. A premium of more than $1,000,000 may be accepted with prior approval from Aspida.

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.

4 Corebridge Financial: AM Best rating affirmed June 1, 2024.

## MassMutual Ascend Life Insurance Company^SM (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.

5 MM Ascend Advantage 5 Advisory: Product is issued by MassMutual Ascend under contract form ICC21-P1151621NW, rider forms ICC20-R6032320NW and ICC20-R6032420NW (not available in Massachusetts). Form numbers, features and availability may vary by state. This content does not apply in the state of New York.

6 MM Ascend: AM Best rating affirmed February 20, 2025.

7 MM Ascend Index Protector 4: Product is issued by MassMutual Ascend under contract form P1140119NW, P1140119ID and P1140119OR. Form numbers, features and availability may vary by state. This content does not apply in the state of New York.

8 MM Ascend Index Protector 5 MVA: Product is issued by MassMutual Ascend under contract form P1140219NW, P1140219ID and P1140219OR. Form numbers, features and availability may vary by state. This content does not apply in the state of New York.

9 MM Ascend Index Protector 7: Product is issued by MassMutual Ascend under contract form P1110416NW, P1110416ID and P1110416OR. Form numbers, features and availability may vary by state. This content does not apply in the state of New York.

10 Jackson® is the marketing name for Jackson Financial Inc. and Jackson National Life Insurance Company®. Jackson is not affiliated with any Flourish entity.

11 Jackson: AM Best rating affirmed February 18, 2025.

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 Ascend^SM. 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 Company^SM. 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.

14 Equitable America: AM Best rating affirmed February 20, 2025.