Gain a level of protection from market declines and learn about innovative investment strategies
Financial Protection: a new
asset class for retirement plans
A mix of asset types makes up a diversified portfolio
With changing markets, growth potential and levels of protection against volatility are important for resilient retirements
Structured Capital Strategies® Income
Deliver more confidence for their next chapter with guaranteed income for life and multiple levels of partial downside protection to weather market losses.
Retirement Cornerstone®
Potentially grow retirement income, with efficient investment options, guaranteed income, spousal continuation and death benefit options, so your clients can plan for their future—and beyond.
VUL Optimizer® with Long-Term ServicesSM Rider
One holistic strategy. Multiple levels of partial financial protection. Help grow and protect your clients’ assets with a generally income tax-free death benefit, tax-deferred and a Long-Term Care Servicessm Rider.
We’re here to help you guide your clients through financial planning for retirement
Video transcript: 21st-century life demands RESILIENCE and the financial solutions you recommend must demonstrate toughness, elasticity, and flexibility in the face of changing market conditions and investment needs.
As you guide your clients through planning for a life of purpose, financial obstacles may present themselves. Concerns regarding taxes, complex and sometimes competing financial needs, longevity risk, market volatility and its impact on their purchasing power.
At these times, clients will seek experienced financial guidance and perspective — which you can confidently deliver.
With Equitable as your trusted guide, you can provide valued proposals for tax planning strategies, resilient portfolios, personalized financial advice to ensure that all of their financial needs are being considered, and a wide variety of products and services… so that longevity concerns can become a thing of the past. And, they can confidently focus on today as well as tomorrow.
Your clients’ plans. Architected with you. Brought to life by Equitable.
Interested in learning more? Contact us at:
Individual Retirement
Life Insurance
VUL Optimizer®, Retirement Cornerstone® and Structured Capital Strategies® Income are offered by prospectus only, which contains more complete information about the contract, including investment objectives, risks, charges, expenses, limitations and restrictions. Your clients should read the prospectuses and consider the information carefully before purchasing a contract or sending money.
VUL Optimizer® is a flexible premium variable life insurance policy issued in New York and Puerto Rico by Equitable Financial Life Insurance Company (Equitable Financial) NY, NY; and in all other jurisdictions by Equitable Financial Life Insurance Company of America (Equitable America), an Arizona stock company, and is distributed by Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN) and Equitable Distributors, LLC, 1290 Avenue of Americas, NY, NY 10104. Equitable America is not licensed to conduct business in New York and Puerto Rico. When sold by New York state-based (i.e., domiciled) Equitable Advisors Financial Professionals, VUL Optimizer® is issued by Equitable Financial Life Insurance Company (NY, NY). VUL Optimizer® is a registered mark of Equitable Financial Life Insurance Company.
VUL Optimizer® is a contract with the primary purpose of providing a death benefit. It is also a long-term financial investment that can also allow potential accumulation of assets through customized, professionally managed investment portfolios. These portfolios are closely managed in order to satisfy stated investment objectives. There are fees and charges associated with variable life insurance contracts, including mortality and risk charges, administrative fees, investment management fees, front-end load, surrender charges and charges for optional riders. Additionally, VUL Optimizer® and its riders have restrictions and limitations.
Actual terms and conditions of the LTCSR are contained in rider form #s: ICC19 R19 LTCSR, R19 LTCSR and state variations. This rider has exclusions and limitations and may not be available in all jurisdictions or may vary. The LTCSR has an additional cost and is subject to restrictions and limitations. Clients may qualify for life insurance, but not for the LTCSR. The LTCSR is paid as an acceleration of the death benefit.
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, the Retirement Cornerstone® variable annuity is issued by Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company. 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, Retirement Cornerstone® is issued by Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY). The obligations of Equitable America and Equitable Financial are backed solely by their own claims-paying abilities.
References to Equitable represent both Equitable Financial Life Insurance Company and Equitable Financial Life Insurance company of America, which are affiliated companies. Overall, 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, and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN). 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.
This website does not offer or constitute investment advice and makes no direct or indirect recommendation regarding the appropriateness of any particular product or investment related option.
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