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Overview

Learn more about the products offered in the Flourish Annuities* marketplace

Learn more about annuities

Carriers

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corebridge-logo
MM-Ascend-logo-1
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Comparing MYGAs

Flourish’s research shows that Multi-Year Guaranteed Annuities (“MYGAs”) compare favorably to many of the fixed income products used by RIAs today.

Carrier products

Carrier & rating >

Rate<††

Product

Term††

Penalty-free withdrawals††‡‡

Aspida∆∆
A- (Excellent)1

5.40% ($100k+2)
5.25% ($25k+)

Aspida
Advisory MYGA 2

2 years

Available starting in year 2.

5.50% ($100k+)
5.35% ($25k+)

Aspida
Advisory MYGA 3

3 years

5.65% ($100k+)
5.50% ($25k+)

Aspida
Advisory MYGA 5

5 years

5.65% ($100k+)
5.50% ($25k+)

Aspida
Advisory MYGA 7

7 years

Corebridge Financial3
A (Excellent)4

4.70% ($250k+)
4.60% ($100k+)
4.00% ($25k+)

American Pathway Advisory 3

3 years

Available starting in year 1. No withdrawal charges.

4.60% ($250k+)
4.50% ($100k+)
4.00% ($25k+)

American Pathway Advisory 5

5 years

4.60% ($250k+)
4.50% ($100k+)
4.00% ($25k+)

American Pathway Advisory 7

7 years

MassMutual Ascend##
A++ (Superior)5

5.15% ($250k+)
5.05% ($50k+)

Advantage 5 Advisory

5 years

Available starting in year 1.

Withdrawal penalties

 

View carrier withdrawal rate schedules:

 

Get started with Flourish Annuities

Interested in learning more? Looking for information on annuity replacements? A member of our Client Strategies Team would be happy to speak with you.

Get in touch
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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 Crypto is offered by Paxos Trust Company, LLC, a New York limited purpose trust company regulated by the New York Department of Financial Services that provides custody and execution services for the Flourish Crypto accounts, and Flourish Digital Assets LLC, registered in New York as a commodity broker-dealer and provides website and other services and support for Flourish Crypto accounts. Paxos is not an affiliate of Flourish. Flourish Annuities refers generally to the annuity platform operated by Flourish Technologies LLC, where applicable, and to Flourish Insurance Agency LLC in its capacity as a licensed insurance producer providing insurance services related to such platform. Flourish Insurance Agency LLC does business in California under the name Flourish Digital Insurance Agency. An annuity is an insurance contract. Annuities shown on the platform are sold through Flourish Insurance Agency LLC, a licensed insurance producer, with offices in Jersey City, New Jersey, and are issued by one or more approved licensed life insurance companies. The Flourish entities mentioned above are affiliates. Flourish Cash, Flourish Crypto, 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. © 2024 Flourish. All rights reserved.

* Flourish Annuities refers generally to the annuity platform operated by Flourish Technologies LLC, where applicable, and to Flourish Insurance Agency LLC in its capacity as a licensed insurance producer providing insurance services related to such platform, and where applicable, the individual annuity contracts intended to be purchased by individual clients of registered investment advisors (“RIAs”). Flourish Insurance Agency LLC does business in California under the name Flourish Digital Insurance Agency.

An annuity is an insurance contract. Annuities shown on the platform are sold through Flourish Insurance Agency LLC, with offices in Jersey City, New Jersey, a licensed insurance producer, and are issued by one or more approved licensed life 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. Flourish Annuities is not available to New York residents.

## 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 MassMutual Life Insurance Company. MassMutual Ascend Life Insurance Company and not MassMutual Life Insurance Company, is fully responsible for its contract obligations.

> 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

∆∆ 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.

†† 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.

< 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.
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
5 MM Ascend: AM Best rating affirmed August 25, 2023