Cut costs with lower fees
When your clients invest in Segments, there are no portfolio-level fees, which can lower overall costs.
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.
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.
4 reasons your clients will love Investment Edge®
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.
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®.
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.
Contract Form #s: ICC13IEBASE1 and ICC13IEBASE2 and any state variations
This content is intended for institutional and registered representative audiences only.