Variable Annuities

Retirement is about making the most of what you have, to achieve the freedom you need to pursue your passions. An annuity can be a smart choice that may give you more confidence along your path toward a fulfilling future.

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What investors are thinking

Guaranteed income can help bridge the retirement gap.

91% of consumers say protection is important when thinking about retirement income.1

Learn more about Structured Capital Strategies® Income

Lifetime income is appealing

7 in 10 conservative investors are afraid they will run out of money.

Income protection can provide lifetime income

Learn about Retirement Cornerstone®

77% of consumers' number one concern is losing the value of their investments.2

83% of investors say that not losing principal is very important.

Volatility protection can help protect investments 

Learn more about Structured Capital Strategies PLUS®

Want to keep more of what they earn

60% of boomers want to keep more of what they earn.

Tax protection can help investors keep more of what they earn

Learn more about Investment Edge®

Helping investors achieve life goals

older couple smiling and drinking coffee outside
A guaranteed income stream

Provide the income you need for the retirement lifestyle you envision—for as long as you (and your spouse, too) live.

father holding daugther on shoulders while painting a wall
Partial protection and growth potential

Provide a level of protection for your wealth from market downturns as well as potential growth.

family laughing and playing together
A legacy to leave behind
Prepare for a future beyond your own through a death benefit for the people or causes you care about.

Explore which annuity best supports your goals

Structured Capital Strategies® Income


Offers a way to accumulate retirement savings and help cover the gap in retirement income with built-in guaranteed lifetime income, upside potential and low fees.


Guaranteed lifetime income
Opportunities to increase income
Upside potential

Structured Capital Strategies PLUS®

Offers greater upside potential than Structured Capital Strategies, with a level downside protection, upside potential and zero explicit fees.*


Levels of downside protection
Upside potential
Zero explicit fees

Investment Edge®

An innovative retirement strategy that helps create an investment portfolio with greater diversification, partial protection in the market and tax-deferred growth.


Tax deferral
Investment diversification
Levels of downside protection

Retirement Cornerstone®

A smart retirement strategy that helps grow and protect your income stream—and what you’ll leave behind—with flexibility designed to fit your life.


Guaranteed lifetime income
Death benefit guarantees
Investment opportunity

What’s an annuity?

An annuity is a long-term investment product designed to help you save for retirement. In essence, an annuity is a contractual agreement in which payment(s) are made to an insurance company, which agrees to pay out an income or a lump sum amount at a later date. 

View the latest Performance Cap Rates for our variable annuities with buffered investment options.

View Performance Cap Rates

1Source: Alliance for Lifetime Income, 2021
2 Source: Equitable Q3 Consumer Pulse, September 2020
*Expenses related to administration, sales and certain risks in the contract are factored into the Performance Cap Rate. As long as your money is invested in the Structured Investment Option to take advantage of the buffer against some loss and potential for growth up to the cap, you will not be charged additional fees. If you choose the optional Return of Premium Death Benefit, fees and charges will apply.

Important Note 
Equitable believes that education is a key step toward addressing your financial goals, and we've designed this material to serve simply as an informational and educational resource.  Accordingly, the information on this website does not offer or constitute investment advice and makes no direct or indirect recommendation of any particular product or of the appropriateness of any particular investment-related option.  Your needs, goals and circumstances are unique, and they require the individualized attention of your financial professional.

Variable annuities are long-term financial products designed for retirement purposes. Variable annuities are subject to market risk, including the possible loss of principal invested, and they have mortality and expense charges, account fees, investment management fees, administrative fees, charges for special contract features, and restrictions and limitations. Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59 ½. Optional benefits are available for an extra charge in addition to the ongoing fees and expenses of the variable annuity.  

Withdrawals from annuities are subject to normal income tax treatment and if taken prior to age 59, may be subject to an additional 10% federal income tax penalty. Withdrawals may also be subject to a contractual withdrawal charge.

Annuities contain certain limitations and restrictions.  For costs and complete details contact a financial professional.

If you are purchasing an annuity contract as an Individual Retirement Annuity (IRA), you 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, you should consider whether its features and benefits beyond tax deferral meet your needs and goals.  You may also want to consider the relative features, benefits and costs of these annuities with any other investment that you may use in connection with your retirement plan or arrangement.

Please consider the charges, risk, expenses, and investment objectives carefully before purchasing a variable annuity. For a prospectus containing this and other information, please click on the name of the variable annuity above or contact a financial professional. Read it carefully before investing or sending money.

Contract form #s: Retirement Cornerstone® 19: ICC12BASE3, ICC12BASE4 and any state variations. Structured Capital Strategies PLUS® : Idaho contract form #s: 2021SCSBASE-A(ID) and 2021SCSBASE-A(ID)-Z. All other states contract form #s: 2021SCSBASE-A, 2021SCSBASE-B, 2021SCSBASE-A-Z, 2021SCSBASE-B-Z and any state variations. Structured Capital Strategies® Income: Idaho contract form #s: 2021SCSBASE-A(ID) and 2021SCSBASE-A(ID)-Z. All other states contract form #s: 2021SCSBASE-A, 2021SCSBASE-B, 2021SCSBASE-A-Z, 2021SCSBASE-B-Z and any state variations. Investment Edge® 21: Idaho contract form #s: 2021BASE2-B(ID)-Z. All other states contract form #s: 2021BASE2-A-Z,2021BASE2-B-Z and any state variations.

Retirement Cornerstone® Series B contracts have a declining seven-year withdrawal charge schedule (7%, 7%, 6%, 6%, 5%, 3%, 1%). Structured Capital Strategies PLUS® contracts have a declining six-year withdrawal charge schedule (6%, 6%, 5%, 5%, 4%, 3%). Investment Edge® Series B contracts have a declining five-year withdrawal charge schedule (6%, 6%, 5%, 4%, 3%). Structured Capital Strategies® Income Series B contracts have a declining six-year withdrawal charge schedule (7%, 7%, 6%, 5%, 4%, 3%).

Guarantees are based on the claims-paying ability of the issuing life insurance company.

Variable annuity products are issued by Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY) and Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company with an administrative office located in Charlotte NC. Co-distributed by affiliates Equitable Distributors, LLC and Equitable Advisors, LLC (member FINRASIPC) (Equitable Financial Advisors in MI & TN). Equitable Financial, Equitable America, Equitable Distributors and Equitable Advisors do not provide tax or legal advice.

GE-4200842.3 (04/2024) (Exp. 04/2025)