Positioning
No-load variable annuity. Lower fees than commission-based variable annuities. Designed for fee-only advisor clients.
Contract terms at a glance
Surrender period
Generally none on no-load class
Free withdrawal
Per share class terms
Premium minimum
$5,000
Premium maximum
Per carrier underwriting
Riders
- Optional death benefit features
Best fit
- Consumers with a fee-only advisor relationship
- Buyers wanting variable annuity tax deferral without rider guarantees
What to watch for
- The "no-load" or "advisory" class structure depends on share class election
- Tax-deferral benefit is meaningful only on non-qualified money in a high tax bracket
Verify on the carrier rate card
Cap rates, participation rates, rider charges, and surrender schedules change frequently. Before purchase, request and verify the following from the carrier or producer:
- Share class structure and associated fees
- M&E charge level
- Subaccount expense ratios
- Death benefit features by share class
How to verify and source current information
- Current rate card and product brochure: Equitable direct or through a licensed independent producer.
- Statement of understanding (annuity contract disclosure document).
- For variable and indexed variable annuities: the SEC-registered prospectus (search EDGAR).
- Carrier financial strength ratings: A.M. Best, S&P Global Ratings, Moody's, Fitch.
- NAIC carrier search and statutory filings: content.naic.org.
- IRS Publication 575 (Pension and Annuity Income) for taxation: IRS Pub 575.
Compliance note
AnnuityMatchPro does not endorse, recommend, or sell the Equitable Investment Edge. This review is informational. Product features, surrender schedules, caps, participation rates, and rider charges vary by issue date, state, and underwriting. Confirm specific terms with the carrier or a licensed advisor before purchase. AnnuityMatchPro is not a registered investment adviser and is not a licensed insurance agency.