Retirement Cornerstone® Rates Page

Growth potential and retirement income protection

GMIB Multi-Year Lock-in Rates

For __series__

Rates effective __effectiveDate__





Multi-Year Lock Rate details
  • Lock-in rate applies in the first __lockInRateYear__ contract years.
  • Beginning with the __postLockInRateYear__ contract year, Roll-Up Rates are Treasury-tied with guaranteed annual Benefit Base growth as high as __postLockInAnnRollUpRate__ and never below __postLockInDefRollUpRate__.
  • GMIB Roll-Up Rates continue until the earlier of the 20th contract anniversary from when the Protected Benefit Account was initially funded and the contract anniversary following the owner's 95th birthday. Excess withdrawals will adversely affect the Benefit Base.

Please refer to the product fact cards and prospectus for further information including restrictions and limitations.

The Retirement Cornerstone® variable annuity is issued by Equitable Financial Life Insurance Company (NY, NY). Co-distributors: Equitable Distributors, LLC and Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN). The obligations of Equitable Financial Life Insurance Company are backed solely by its own claims-paying ability.

Please be advised that this content is not intended as legal or tax advice. Accordingly, any tax information provided herein is not intended or written to be used and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer. The tax information was written to support the promotion or marketing of the transaction(s) or matter(s) addressed and you should seek advice based on your particular circumstances from an independent tax advisor.


As a reminder, this information is not intended as, and does not constitute, investment advice. Your needs, goals, circumstances and tolerance for investment risk are unique to you, and you should work with your financial professional and consider these together before deciding whether any of the annuity product discussed here or any other particular financial product or service is right for you.

A deferred variable annuity, such as Retirement Cornerstone®, is a long-term financial product designed for retirement purposes. It 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. Variable annuity contracts offer tax-deferred growth potential and optional features such as living and death benefits. Guarantees are based on the claims-paying ability of the issuing company.

Withdrawals from an annuity contract are taxable as ordinary income and, if made prior to age 59½, may be subject to an additional 10% federal tax. Withdrawals may also be subject to withdrawal charges. Amounts invested in an annuity’s portfolios are subject to fluctuation in value 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, administrative fees, and additional charges for optional benefits. See the prospectus for complete details.

If you are purchasing an annuity contract to fund an Individual Retirement Annuity (IRA) or employer-sponsored retirement plan, 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.

The contingent withdrawal charge declines from 7% over a seven-year period for the Series B product. Please see the prospectus for the withdrawal charge scale for other annuities in the Retirement Cornerstone® Series. This content is not a complete description of all material provisions of the variable annuity contract. The prospectus contains more complete information, including investment objectives, risks, charges, expenses, limitations and restrictions. Please read the prospectus and any applicable supplements and consider this information carefully before purchasing a contract.

There are certain contract limitations and restrictions associated with the Retirement Cornerstone® contract, which include, but are not limited to, a contract fee and additional charges for optional benefits. In addition, the underlying investment portfolios charge management fees and have other expenses. For costs and complete details of coverage, speak to your financial professional/insurance-licensed registered representative. Certain types of contracts, features and benefits may not be available in all jurisdictions. Equitable offers other variable annuity contracts with different fees, charges and features. Not every contract is available through the same selling broker/dealer. Equitable may discontinue contributions and transfers among investment options or make other changes in contribution and transfer requirements and limitations. If we discontinue contributions and transfers into the Protected Benefit Account, you will no longer be able to fund your guaranteed benefits.

Retirement Cornerstone® is a registered service mark of Equitable Financial Life Insurance Company, New York, NY 10104. Retirement Cornerstone® variable annuities are issued by Equitable Financial Life Insurance Company, New York, NY 10104. All contract and rider guarantees, including optional benefits and any fixed subaccount crediting rates or annuity payout rates, are backed by the claims-paying ability of Equitable. They are not backed by the broker/dealer from which this annuity is purchased, by the insurance agency from which this annuity is purchased or any affiliates of those entities and none makes any representations or guarantees regarding the claims paying ability of Equitable. This is not a complete description of the Retirement Cornerstone variable annuity contract.

The Retirement Cornerstone® variable annuity is issued by Equitable Financial Life Insurance Company (NY, NY). Co-distributors: Equitable Distributors, LLC and Equitable Advisors, LLC (members FINRA, SIPC), (Equitable Financial Advisors in MI & TN). Contract form #s: ICC12BASE4 and ICC12BASE3 and any state variations.