Flourish Annuities | Annuities, reimagined for RIAs.

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Annuities, reimagined for RIAs.

Built for RIAs, Flourish Annuities^∫ is the premier digital platform that's redefining how annuities fit into modern financial planning.

From replacing outdated contracts to bringing new options to help improve client outcomes, we make it easier to incorporate annuities into holistic portfolios.

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A fast, easy, and delightful experience

Licensed expertise

Flourish's Outsourced Insurance Desk (OID) holds the insurance licenses so you don't have to

Annuity replacements

Our team of Annuity Specialists can help review and replace outdated annuities via a 1035 exchange

Curated marketplace

Access fee-based annuity solutions from highly-rated carriers, all through one RIA-centric platform

Simplified process

Digital experience eliminates complex paperwork and operational headaches

Premium support

US-based support team available to guide you and your clients every step of the way

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The untapped opportunity

Your clients likely already own an annuity or seek new options for retirement — open the door to new opportunities for growth and protection beyond the traditional portfolio.

Connect with an Annuities Specialist

MYGA (Multi-year guaranteed annuity)

MYGAs are a simple, predictable fixed income alternative for clients seeking guaranteed returns over a set term.

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FIA (Fixed index annuity)

FIAs offer principal protection with the potential for market-linked growth, ideal for clients seeking growth with downside limits.

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RILA (Registered index-linked annuity)

RILAs balance upside potential with defined downside protection, giving clients more control over risk and reward.

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IOVA (Investment only variable annuity)

IOVAs offer tax-deferred growth with access to a broad range of investment options, designed primarily for clients with longer horizons or complex wealth strategies.

Annuities with income

There is the option to add a guaranteed lifetime withdrawal benefit (GLWB) rider to eligible annuity contracts available on the Flourish Annuities marketplace. This generates lifetime income while still preserving discretion over the underlying assets. Unlike traditional income annuities, clients don't have to fully relinquish control to receive steady income.

Interested in learning more? Connect with us →

Connect with our Annuities Specialists today.

Looking for a platform demo or interested in learning more about annuities? Simply fill out and submit the form.

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No need for advisor insurance licensing

1035 replacements

Fee-based products

Streamlined digital platform

Flourish by the numbers

1000+

RIA relationships

$7B+

Assets under custody^≈

90+

Employees

2017

Founded in

Looking to learn more about annuities? Explore our insights.

What is an annuity?

What is an annuity – and why one may work for you

Unlock new growth opportunities with annuity replacements

Annuity replacements: A primer for fee-based financial advisors

Fixed income strategies in times of volatility

How cash and annuities can enhance your fixed income strategies in times of volatility.

Expand beyond the traditional portfolio.

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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 to the annuity platform operated by Flourish Technologies LLC and to Flourish Insurance Agency LLC (doing business in California under the name Flourish Digital Insurance Agency), and, where applicable, Flourish Financial LLC. Flourish Lending is offered by SoraFinance, Inc. (d/b/a Flourish Lending), a licensed mortgage broker (NMLS #2355841). SoraFinance, Inc. is not a lender. To verify SoraFinance, Inc., visit NMLS Consumer Access. The Flourish entities mentioned above are all wholly-owned subsidiaries of Flourish Holding Company LLC. Please review the Legal section of our website for more information and account terms. 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. © 2026 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.

± This feedback may not be representative of the experience of other customers, and is not a guarantee of future performance or success.

≈ Assets include Flourish Cash client cash balances held with the Flourish Cash Program Banks as of 03/18/2025.