Flourish Annuities

Explore our educational content about all things annuities.

Comparing MYGAs with GLWBs and SPIAs

Comparing MYGAs with GLWBs and SPIAs

How MYGAs with an income stream rider can be a competitive alternative to traditional income annuities, providing clients with guaranteed rates, income for life, and the flexibility to access funds if needed.

Annuities Integrations

Integrating annuities into your tech stack

Flourish combines modern technology, back-office support, and client-centric design to make annuities a streamlined part of your tech stack and a smart addition to your practice.

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Flourish Annuities expands fee-based annuity marketplace

The platform expansion gives advisors access to all major fee-based annuity types – bringing new avenues to bolster client retirement confidence and increase firm AUM.

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Annuities replacement primer

An overview of annuity replacements and how they may improve client outcomes while unlocking firm growth.

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Contract close-up: Understanding surrender charges

A look at how surrender charges can bring flexibility and liquidity to multi-year guaranteed annuities.

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Understanding the key benefits of MYGAs

A closer look at the key benefits of multi-year guaranteed annuities and how they can support clients.

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Bringing MYGAs into your practice

Understanding the use cases for multi-year guaranteed annuities and the clients that could most benefit from them.

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Designate trusts as annuity beneficiaries

Clients can designate trusts as beneficiaries on contracts with Flourish Annuities.

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Why we built Flourish Annuities

CEO Max Lane shares how the newest Flourish product opens the world of annuities to RIAs, expanding their toolkit to improve client outcomes.

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What is an annuity?

Taking a closer look at what an annuity is, the different forms it can take, and the benefits it can bring to client portfolios.

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What is a MYGA?

We take a closer look at multi-year guaranteed annuities, how they work, and their role in the portfolio.

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Annuities FAQs

We share responses to the most frequently asked questions about Flourish Annuities.

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Annuities Glossary

Terms and definitions for key words and concepts related to annuities.

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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 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.