Investment Edge® variable annuity
An innovative investment strategy that helps clients build and preserve their wealth
No Cap. No Buffer. Simply Multiplied Growth.
Learn more about our latest innovation.
Depending on the Segment Option(s) selected, investors absorb some or all of the loss in excess of the Segment Buffer so there is a risk of substantial loss of principal.
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For financial professionals only. If you are an individual investor please contact your financial professional for more information.
Features and benefits
Design a flexible strategy with portfolio diversification and tax deferral
Uncapped growth potential
Enjoy higher return potential and portfolio diversification with the Growth Multiplier Segment. Best of all, growth is uncapped.
Potential to make money during volatile markets
Feel confident even in volatile markets with a guaranteed return regardless of whether the market is up, flat or down.
Maximum flexibility
Lock in gains before Segment maturity with Structured Investment Options (SIOs) and reinvest with no waiting period.
Learn more about Investment Edge® variable annuity
Build and protect retirement savings with portfolio diversification
and a level of downside protection
Explore the power of portfolio diversification
With more than 100 funds, including packaged portfolios and Variable Investment Options (VIOs) from well-known investment firms, clients have a variety of portfolio diversification options to choose from.
Add a level of downside protection
Four Segment options — Standard, Dual Direction, Step Up and Dual Step Up — can dial protection up or down over time.
Enjoy a lower portfolio cost
No portfolio-level expenses for amounts invested in Segments, which can lower overall costs.Help clients enjoy the benefits of tax deferral and portfolio diversification
Tax control
With tax deferral, you gain more than delaying when you pay taxes — you gain control over your taxes. Unlike traditional managed money accounts where you pay taxes when securities are bought or sold, you can decide when to use your money.
The chart below is a hypothetical illustration of the potential advantages of tax-deferred over taxable investments over time. The illustration assumes an initial investment of $100,000 with an annual return of 8% (not guaranteed) and a federal tax rate of 24%.
This hypothetical chart does not represent actual performance of any specific product or investment. Withdrawals of tax-deferred earnings are subject to ordinary income tax treatment. A 10% federal tax may also apply if investors take the withdrawal before reaching age 59½. In addition, an investor should consider their current and anticipated investment horizon and income tax bracket when making an investment decision, as this illustration may not reflect these factors. Investors may realize capital gains or capital losses in any year that they sell shares within a taxable account. Lower maximum tax rates on capital gains and dividends would make the investment return for the taxable investment more favorable, thereby reducing the difference in performance between the accounts shown. Equitable Financial, Equitable America and their affiliates do not provide tax or legal advice. Investors should consult their own tax and legal advisors regarding their particular circumstances.
Portfolio Diversification
As you’re building your savings, diversification is a key strategy to help minimize risk and maximize potential for growth. With the right mix of investments that react differently to market conditions, you can pursue a steadier path toward your goals.
Choose between well known Index and Investment options based on your needs:
The list above may not include all investment managers
*Only available on -10% and -15% buffer options for the Standard Segment.
Flexibility
With Investment Edge®, you have the flexibility to transfer out of and between investment options, including Segments, at any time, and doing so is cost-free and tax-free.1 This can allow you to potentially lock Segment gains into a new investment.
You are protected against some downside risk, but if the negative return is in excess of the Segment Buffer, there could be substantial loss of principal because you agree to absorb all losses to the extent they exceed the protection provided.
Make the most of our advanced tools and resources
Here’s how Investment Edge® variable annuity works
Video transcript:
The Growth Multiplier Segment, an investment option available in the Investment Edge variable annuity has no cap on your earnings potential and no buffered protection from market loss, simply multiplied growth.
When the market is up, we multiply the S&P 500 return by a multiplier rate to boost your investment performance. This rate is declared in advance, so you’ll know exactly how much amplified growth potential you have before investing. And no performance cap rate means unlimited potential for your investment.
When the market is down, just like most stocks or mutual funds, you’ll absorb the loss. But you can add a level of protection from market downturns by allocating a portion of your investment to other Investment Edge Segments, with Buffers. Reach out to your financial professional to learn more today.
We’re here to support financial professionals
Talk to us about how Investment Edge® can help you grow your business.
(888) 517-9900
Monday–Friday, 8 a.m.–7 p.m. ET
For financial professionals only. Individual investors should contact their financial professional for more information.
1 Comparison applicable only for nonqualified accounts. It should be noted that tax-efficiency, where a portion of each payment is taxable as ordinary income while the remaining portion is not subject to taxes, can also be gained through contract annuitization.
Important information
This general content does not constitute an offer or solicitation of any kind and is not intended, and should not be relied upon, as investment, insurance or financial advice. The Investment Edge® variable annuity is a tax-deferred financial product designed to allow the contract holder to invest for growth potential and to provide income for retirement or other long-term life goals. Amounts invested in annuity portfolios are subject to fluctuation and market risk, including loss of principal. There are fees and charges associated with a variable annuity contract, which include, but are not limited to, operations charges, sales and withdrawal charges and administrative fees. The withdrawal charge declines from 6% to 3% over 5 years for Investment Edge® Series B. Earnings are taxable as ordinary income when distributed and may be subject to an additional 10% federal tax if withdrawn before age 59½.
In Investment Edge®, you can invest to accumulate value on a tax-deferred basis with access to Variable Investment Options and Segments composing the Structured Investment Option (SIO). The SIO permits the contract owner to invest in one or more Segments, each of which provides returns tied to the performance of a securities index for a 1- or 5-year period. The partial protection feature, called the Segment Buffer, will absorb up to the first 40% of loss depending on the level of protection selected. Please keep in mind that there is risk of substantial loss of principal because the investor agrees to absorb all losses that exceed the protection provided by the SIO at maturity. If you would like a guarantee of principal, Equitable offers other products that provide such guarantees.
If you take a withdrawal from, or transfer out of, a Segment Maturity Date, we calculate the Segment Interim Value (SIV) for that Segment. The SIV may be less than the Segment Investment and may be less than the Segment Maturity Value would have been on the Segment Maturity Date. Any such withdrawal or transfer will reduce the Segment Investment, and the reduction may be greater than the dollar amount of the withdrawal or transfer. Annuities contain certain restrictions and limitations. For cost and complete details, contact a financial professional.
The contract holder can take withdrawals subject to ordinary income tax, and the contract can be fully redeemed for the then-current account value net of applicable withdrawal charges. There are additional restrictions and limitations, including age restrictions and the payout period being limited to specific periods. This content must be accompanied by a current Investment Edge® prospectus containing important information about investment objectives, risks, expenses, fees and charges. Please encourage your clients to carefully read the prospectus before investing or sending money.
Historical Index Return Disclosure % of Times Returns Occurred above the Segment Buffer — This row shows the percentage of times a rolling monthly index return occurred above 10%, -15%, -20% or -40%.
S&P 500® — Data available since January 1980.
Russell 2000® — Data available since January 1980.
MSCI EAFE — Data available since January 1980.
NASDAQ 100® — Data available since March 1985.
MSCI Emerging Markets — Data available since January 1988.
Average return — a simple average of a series of returns generated over the given period. Past performance is no guarantee of future results. Individuals cannot invest directly in an index. This data does not represent the performance of any specific investment. The Segment Rate of Return will differ from that of the performance shown above because of the Performance Cap Rate, level of downside protection, fees and expenses. Clients purchasing an annuity contract to fund an Individual Retirement Annuity (IRA) or employer-sponsored retirement plan should be aware that such annuities do not provide tax-deferral benefits beyond those already provided by the Internal Revenue Code. Before purchasing one of these annuities, your client should consider whether its features and benefits beyond tax deferral meet their needs and goals. Clients may also want to consider the relative features, benefits and costs of these annuities with any other investment that they may use in connection with their retirement plan or arrangement. This content is not a complete description of all material provisions of the variable annuity contract. There are certain contract limitations and restrictions associated with an Investment Edge® contract. A financial professional can call our sales desk for costs and complete details of coverage. Certain types of contracts, features and benefits may not be available in all jurisdictions. Equitable Financial offers other variable annuity contracts with different fees, charges and features.
Not every contract is available through the same selling broker/dealer. This is not a complete description of Investment Edge®. Annuities are subject to certain restrictions and limitations. For costs and complete details, contact a financial professional. This content was prepared to support the promotion and marketing of Equitable Financial and Equitable America variable annuities. Equitable Financial Life Insurance Company, its distributors and their respective representatives do not provide tax, accounting or legal advice. Any tax statements contained herein were not intended or written to be used, and cannot be used, for the purpose of avoiding U.S. federal, state or local tax penalties. Please consult your own independent advisors as to any tax, accounting or legal statements made herein.
When distributed outside of New York state by Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN) through Equitable Advisors Financial Professionals whose business address is not in New York state or when distributed by Equitable Distributors, LLC through financial professionals of unaffiliated broker/dealers when the solicitation state is not New York, Investment Edge® variable annuity is issued by Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company with an administrative office located in Charlotte, NC. When offered by Equitable Advisors Financial Professionals whose business address is in New York state or when distributed by Equitable Distributors, LLC through financial professionals of unaffiliated broker/dealers when the solicitation state is New York, Investment Edge® is issued by Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY). The obligations of Equitable Financial Life Insurance Company and Equitable Financial Life Insurance Company of America are backed solely by their own claims-paying abilities.
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).
Contract form #s: 2021BASE2-A-Z,2021BASE2-B-Z, 2021BASE1-A-Z, 2021BASE1-B-Z and any state variations.