Investment Edge® Variable Annuity

Designed to help your clients achieve their unique goals

If your life’s work is your clients’ life’s work, you need a variable annuity as distinctive as they are unique. Because no matter their retirement goals — from starting a second career to leaving a legacy for their loved ones — it’s your job to make sure they can achieve them. Help your clients move forward with confidence. Because nothing pays dividends like a life well lived.
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Cut costs with lower fees

When your clients invest in Segments, there are no portfolio-level fees, which can lower overall costs.

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Cut losses with partial downside protection

With built-in partial protection against loss up to 10%, your clients feel more comfortable with some level of market volatility.

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Control taxes with deferred growth and tax-efficient distributions

Your clients won’t pay taxes on growth until withdrawal, and with Income Edge, they can get more income in the early years of retirement.

Want to learn more about Investment Edge® or how Equitable can help grow your business? Contact us.

Call: (800) 338-3434

Monday 9:00 a.m–8:00 a.m ET
Tuesday–Friday 8:00 a.m–8:00 p.m ET

Or, request to have an Equitable Sales Consultant contact you.

4 reasons your clients will love Investment Edge®

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Mitigate risk and lower costs

The Structured Investment Option (SIO) allows your clients to invest in Segments, an innovative investment option. 
  • Downside protection up to 10%
  • Lower overall costs with no portfolio-level expenses
  • Diversification by tracking a well-known benchmark index of their choice, such as the S&P 500 or the Russell 2000
  • Segment options based on your client's needs
Let's look at a hypothetical example.
To learn more about how the Segment and Investment Options can help your clients, have an Equitable Sales Consultant contact you.

This example is intended to demonstrate how the Segment Buffer and Performance Cap Rate work and does not reflect the contract fee, which is included in the Segment Rate of Return calculation. For positive Segment returns or returns of zero, the increase in the account value will always be less than the Performance Cap Rate due to the deduction of the Contract Fee. For negative Segment returns beyond the Segment Buffer, the decrease in account value will be more than the amount by which the index performance rate exceeds the Segment Buffer due to the deduction of the contract fee. If there is a return within the Segment Buffer, the account value will decrease due to the deduction of the contract fee.

This example is a hypothetical intended for illustrative purposes only and is not indicative of actual market, index, investment or financial product performance. Please note that individuals cannot invest directly in an index.

All guarantees provided within Investment Edge are backed by Equitable Financial Life Insurance Company.  Diversification does not guarantee a profit or protection against loss in a declining market.

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Access to 100+ investment options

Gives your clients the flexibility to build a diversified portfolio.

Investment Edge® offers access to more than 100 investment options, ranging from core investments, including U.S. and
international equity options, to alternative investments,1 which are low-correlated options that can provide further opportunities
for diversification and risk-adjusted return. Includes 21 exclusive funds available only with Investment Edge®.

Download the full list of investment options.

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The list above may not include all investment managers.

1 Alternative investments typically perform differently than traditional asset classes under the same market conditions. Alternative investments can be less liquid and more volatile than traditional investments and often lack longer track records. Alternative funds use investment strategies that differ from the buy and hold strategy typical in the mutual fund industry. Compared to a traditional mutual fund, an alternative fund typically holds more aggressive non-traditional investments and employs more complex trading strategies. Investors considering alternative funds should be aware of their unique characteristics and risks as described in the prospectus before investing. Correlation is a statistical measure of how two investments move in relation to each other. Low correlation suggests that two investments are less likely to move to the same direction in terms of performance.

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Income Edge  Gain an edge on taxes

Your clients won’t have to wait to enjoy retirement.

With Income Edge, we offer the flexibility to optimize how and when distributions are received. That means your clients can pay less taxes and get more income as retirement begins.

Typical annuity withdrawal payments2

Clients get hit hardest by taxes in the early years of retirement.

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Income Edge: a tax-efficient approach

Clients can distribute taxes evenly over the course of receiving payments.

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Dark blue color above = fully taxable (earnings)

Light blue color above = tax-free (cost basis)

2 Comparison applicable only for nonqualified accounts.  Pie charts are a conceptual representation, assuming no Account Value growth or volatility, and an initial Account Value that is 50% gains and 50% cost basis. 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.
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Flexible features for a wide range of investors

Address each client’s unique retirement puzzle.

With maximum ability for customization — from 100+ investment options to unique flexibility in tax distribution —
Investment Edge® answers the needs of many different investors:

  • Annuity contract holders with embedded gains
  • Clients looking to add partial protection to their portfolio
    Annuity owners who want to start income pre-age 59½
  • High-net-worth investors
  • NQ annuity contract holders with no living benefits (or unlikely to use living benefits with embedded gains)

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 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 five 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.

Investment Edge® offers Income Edge, a feature that allows the contract holder to take income on a more tax-efficient basis. Income Edge is available for no additional fee and allows investors in nonqualified contracts to elect a customized payment program. When elected, Income Edge is designed to pay out the entire account value via scheduled payments over a set period of time and a portion of each payment is a return of the contract holder's cost basis and thus excludable from taxes.

This tax-free amount is calculated by dividing the remaining cost basis by the number of years in the payment period selected and will not change once calculated. After Income Edge election, withdrawals are fully taxable, and withdrawals in excess of the annual 10% free withdrawal amount will continue to be subject to a withdrawal charge if they are made during the withdrawal charge period. If the contract owner dies after Income Edge is elected, scheduled payments will continue to the beneficiary and any specified form of death benefit payout that the contract holder has selected will be invalidated. The Income Edge payment program does not represent a life-contingent annuitization of the Investment Edge® contract. With a life-contingent annuitization the account value is applied to provide periodic payments for life and the Investment Edge® contract and all its benefits terminate. A combination of adverse investment performance, additional withdrawals, and contract fees may reduce the payout period selected. The amount of payments available through the Income Edge program is redetermined on an annual basis, meaning that the amount of the payment may vary each year of the payout period.

Once the contract holder begins taking payments, he or she may not stop the payments. The contract holder can take additional 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 time 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.

Clients purchasing an annuity contract to fund an Individual Retirement Annuity (IRA) or employer-sponsored retirement plan, should be aware that such annuities do no 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. Speak to your clients 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 Life Insurance Company 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.

Investment Edge® is issued by Equitable Financial Life Insurance Company (Equitable Financial), New York, NY 10104.

Co-distributed by affiliates Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN) and Equitable Distributors, LLC.


Contract Form #s: ICC13IEBASE1 and ICC13IEBASE2 and any state variations

This content is intended for institutional and registered representative audiences only.  

IU-3509626 (04/2021) (Exp. 04/2023)