Equitable1 provides innovative retirement, protection, and wealth management strategies to help clients secure their financial well-being. They’ve developed a number of annuity products to respond to industry changes and were the first in the industry to offer a Registered Index-Linked Annuity (RILA).
Equitable Financial Life Insurance Company of America (Equitable America) maintains consistently high marks from insurance rating agencies, with an AM Best affirmed financial strength rating of A (Excellent).>2 The rating reflects Equitable’s high risk-management standards and its strong balance sheet and capital position.
Equitable is a Fortune 500 company with $261B in assets under management.3 Their leading products and services are backed by the strength and stability of more than 165 years of experience.4
Product
Product type
Availability
Issue ages
Purchase amount
More info
RILA
Not available in NY
Different product versions exist for MO and OR
18 - 85
18 - 75: Inherited
Min: $25,000
Max: $1,500,000
RILA with income
Not available in NY, MO, or OR
45 - 80
Min: $25,000
Max: $1,500,000
IOVA
Not available in NY or MO
Different product versions exist for HI and OR
18 - 85
18 - 75: Inherited
Min: $25,000
Max: $1,500,000
This table provides general carrier product information. Product variations may exist in certain states. Please contact our Annuities Specialists or refer to carrier-specific information 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.
> 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
†† 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.
1 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-7869073.1 (04/25) (exp.04/29)
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.
2 Equitable America: AM Best rating affirmed February 20, 2025.
3 As of September 2024. Represents sum of insurance subsidiaries’ general account assets (general account) and separate account assets, including Equitable Financial Life Insurance Company, Equitable Financial Life Insurance Company of America and Equitable Financial Life and Annuity Company (Equitable Colorado) (administrative office, Charlotte, NC) (Equitable Financial Life Insurance and Annuity Company in CA); AUM amounts not mutually exclusive.
4 The more than 165 year history shown applies specifically and exclusively to Equitable Financial Life Insurance Company.