Equitable Life & Casualty Insurance Company

Equitable Life & Casualty Insurance Company

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Why Equitable Annuities?

Equitable has been an annuity leader here at New Horizons for quite some time. Their rates are very competitive, and their MYGA product has tons of built-in features that don't have rider deductions. It's also RMD friendly.

In addition, Equitable came out with a new FIA that's simple to understand and is a huge hit with our agents out in the field.

Equitable dates back to the Great Depression of the 1930s. It started in Utah where members helped contribute to grieving families upon the death of a society member. Today, Equitable offers a complete line of senior market products including Medicare Supplement, home care recovery, annuities, and more.

  • Two product lines: a MYGA line and a FIA line
  • A.M. Best Rating of B
  • Webinar training is available in the agent portal!

State Availability

Equitable offers products in the following states:

  • Arizona
  • Colorado
  • Delaware
  • Illinois
  • Indiana
  • Iowa
  • Kentucky
  • Maryland
  • Michigan
  • Mississippi
  • North Carolina
  • Ohio
  • South Carolina
  • Texas
  • Utah
  • Virginia
  • Wisconsin
  • Wyoming

Equitable Annuity Webinars

You can access recordings of Equitable annuity training webinars here.

Webinar recordings include:

  • Part 1: Teton vs Low Volatility Strategies
  • Part 2: Teton vs Low Volatility Strategies
  • Teton/Teton Bonus Deep Dive
  • Secure Savings Deep Dive
  • Teton FIA Crediting vs. Low Volatility Strategies
  • Part 1: Teton Crediting vs. Vol. Control Index
  • Teton Annuity Training w Kylie
  • Teton Product Training

Equitable Secure Savings™ and Secure Savings™ Elite

As we mentioned above, this MYGA is one of our most popular annuities here at New Horizons. This product has tons of built-in features that other MYGAs charge for via rider deductions. With Equitable, you get:

  • 5% free withdrawal after Year 1
  • Free accumulated interest withdrawal after 30 days
  • Full account value at death

Plus, it's RMD friendly.

  • Issue Ages: Secure Savings™ 18 to 90 and Secure Savings™ Elite 18 to 85
  • Minimum Single Premium: $10,000 Qualified or Non-Qualified
  • Maximum Single Premium: $500,000 (Larger amounts will be considered with Home Office Approval)
  • Guarantee Period: 2-year or 5-year terms
  • Guaranteed Growth: Premium will earn a guaranteed rate of interest for the guarantee period chosen.
    This guarantee period can be 2 years or 5 years.
  • No Long Term Commitment: After the initial 2-year or 5-year guarantee period, a policyowner will have the opportunity to access the full value of their annuity.
    If pleased with the growth of the annuity, a policyowner can choose to continue the contract.
  • Principal Protection: Funds in the Secure Savings annuity series are 100% principal protected. As long as the annuity is held for the guarantee period, the principal and interest earned are fully guaranteed.
  • Tax Deferred Growth: All interest earned is tax deferred. Until funds in the annuity are accessed, no taxes are due on the interest earned.
  • Access To Funds For Life's Curveballs: The Secure Savings annuity series was designed for maximum flexibility depending on the customer's needs. With the Secure Savings™ annuity series, liquidity options may be available depending on the product and guarantee period chosen. After the guarantee period, the full account value of the annuity can be accessed.
  • Income Options: Upon maturity and at the end of each guarantee period, a policyowner can convert the annuity into a guaranteed income benefit.
  • Wealth Transfer: The annuity series includes a death benefit upon the death of the owner. The Secure Savings™ death benefit is equal to the account value. The Secure Savings™ Elite death benefit is equal to the cash surrender value. It will be paid as long as an income option has not been elected.

Teton Series

The Teton series is very exciting, because we finally have a Fixed Index Annuity that is simple and easy to understand!

"There's always a potential for growth with Fixed Index Annuity (FIA) products," says Dan Acker, President & Chief Marketing Officer at Equitable. "We use that mountain range to help associate the growth possible with our Teton series."
Here are some of the product highlights:

  • Fixed indexed annuity specializing in accumulation
  • 7-, 10- and 14-year versions
  • Crediting strategies based on the S&P 500 Index
  • Multiple free withdrawal options
  • Principal protection
  • Tax deferral
  • Income options
  • Full Account Value at death
  • Spousal Continuation

To learn ALL of the details about this product, check out What is the Equitable Teton™ Fixed Index Annuity, and How Does It Work?

There, we cover everything including the index crediting strategies, interest rates, nursing home benefit, death benefit, the RMD benefit, the target audience, marketing pieces, the e-app, the commission, the illustration software, and more!!

Plus, get the FREE marketing presentation that's customizable to you and your business: Download Your Equitable Teton™ Fixed Index Annuity Client Presentation

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Teton Bonus Series

The Teton Bonus has the same features as the Teton Series above, and:

  • Fixed indexed annuity pairing upfront premium bonus with accumulation
  • Premium bonus

New to Annuity Sales?

Annuity sales are a huge opportunity for independent agents in the senior market. If you want to learn how to sell annuities to seniors, you've come to the right place!

Check out our complete guide here: The Ultimate Guide to Selling Annuities In the Senior Market

Also, check out this video from annuity all-star, Michael Sams:

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This product may be available in other states not listed. Please contact us to inquire.