Employee Benefits
see our ratings High marks
backed by Equitable's* Strength and Stability
no legacy systems constant innovation
Product suite
Digital innovation
Powerfully Simple®
Online claims
Support and service
* Important information
Current financial strength ratings1
A
Excellent A.M. Best Stable as of 2/05/2025
A1
Good Moody's Stable as of 5/22/2024
A+
Strong Standard & Poor's Stable as of 2/27/2025
1 Ratings are for Equitable America as of February 2025. Date reviewed indicates the last public statement by the rating agency. Ratings are subject to change. Visit equitable.com/about-us/financial-strength-ratings for more details, including information on rating scales and individual rating sources.
Click tabs for details
Learn more
Core products
Supplemental health products
Industry-leading technology that simplifies the employee benefits experience
Our proprietary technology is a differentiator in the market.
With cloud-based integration flexibility, a single data source and no legacy systems, a change in one place means a change everywhere.
Enhanced security and no mainframe processes
Efficient, connected workflows
Smooth integration
Our simplified approach sets a new standard for efficiency.
Our seamless quoting, implementation and claims practices mean peace of mind, efficient transactions, less work and less room for error. Unleash the power of our industry-leading technology to simplify your life.
With our comprehensive suite of employee benefits, your clients can truly compete in the search for talent. Our supplemental health products, including accident, critical illness and hospital indemnity, provide additional value to employees without increasing employer costs.
Help your clients attract, retain and engage top talent in a competitive job market.
Accident, Critical Illness and Hospital indemnity help bridge the coverage gaps left by medical insurance and deliver peace of mind.
Dental and Vision: • Comprehensive plans support overall well-being while saving on routine costs. • Text for Dental ID cards. Life insurance: • Flexible options to protect employees and their families. Disability: • Short and long term plans to provide income protection during life’s challenges.
EB360®’s self-service, 24/7 online platform tool helps make your day-to-day benefits administration powerfully simple.
Each account management team includes three key roles:
Our Account Management teams align with our Sales Executives and local markets.
Sr. Account Manager
Account Manager
Market Service Representative
• Senior regional account manager 250+ lives • Account manager 75-249 lives • Market service representative 25-75 lives • Customer Service team
Each person within the Account Management team is assigned a specific block of business based on case size and service complexity.
Save time
Submit a claim in minutes without the need for physical paperwork.
Feel confident
With data encryption and safe transmission, personal data is protected by the highest security standards.
Take control
Submit claims anytime, anywhere, from any device, for maximum flexibility.
We’ve adopted AI in our RFP process to give you faster quotes with minimal manual inputs.
Automating RFPs with AI
Our proprietary platform differentiates us from the competition, with no legacy systems and cloud-based integration flexibility.
The EB360® advantage
Our fully digital onboarding process accelerates case setup and eliminates paperwork.
Reimagined onboarding
With our API connection, you can instantly build new plans as well as audit and validate existing plans.
Partnership with Employee Navigator
Watch the video
See how it works
Get the details
EB360 Video
Onboarding Video
Download here
Our easy-to-use online intake tool collects all the information needed to submit a Supplemental Health claim, making the submission process secure, convenient and hassle-free.
1
Guided intake
2
3
Anywhere access
Quick, secure submission
Check out the demo
Online claims demo
* "Equitable" refers specifically to issuers 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 in Charlotte, NC. Equitable Financial and Equitable America are affiliates, each with its own claims-paying obligations. EB360® is a registered mark of Equitable Holdings, Inc. (NY, NY). Powerfully Simple® is a registered service mark of Equitable Financial Life Insurance Company. Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY); Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company with an administrative office located in Charlotte, NC; and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN). All group insurance products are issued either by Equitable Financial Life Insurance Company or Equitable Financial Life Insurance Company of America, which have sole responsibility for their insurance and claims-paying obligations. Some products are not available in all states. © 2025 Equitable Holdings, Inc. All rights reserved. 1345 Avenue of the Americas, NY, NY 10105. (212) 554-1234. GE-7896232.1 (4/25) (Exp. 4/29) | G2838069
Important information
See our ratings
Click to view our distribution team map
A fulfilling future means something different to everyone. In the world of retirement planning, Retirement Cornerstone® is a “multistage variable annuity.” It’s built so that, as your path to retirement unfolds, you can decide how to optimize your income stream.3
Grow your wealth
Investment growth
Protect your retirement income
Plan beyond your own needs
Your savings will have the opportunity to continue to build, even after you stop working.
Retirement can last quite a long time —upwards of 30 years. That’s great if you’ve prepared ahead of time and know your income can keep up with your expenses.
When you’re thinking about the people or causes you hold dear, you can rest easy knowing you’ve prepared for their future, as well as your own.
What’s an annuity? An annuity is a long-term financial product designed to help you save for retirement. It’s a contract between you and an insurance company: you make an investment, and the company commits to future benefits for you, such as a source of income in retirement or a death benefit to your loved ones. Some annuities, including Retirement Cornerstone®, can let you protect your retirement income while investing for potential growth. All annuities contain certain limitations, so be sure to learn about the rules and potential risk before you invest.
Both accounts offer a well-diversified set of investments that may help smooth the effect of market ups and downs and keep you focused on the long term. Most importantly, you can pursue tax-deferred growth, which allows your original investment, plus your earnings, to compound and potentially grow, without having to pay taxes on your growth until later.2
With options offered through well-known investment managers such as:
Flexibility to support retirement on your terms
4 Earnings are taxable as ordinary income when distributed, and may be subject to a 10% additional federal tax if withdrawn before age 59½.
Both accounts offer a well-diversified set of investments that may help smooth the effect of market ups and downs and keep you focused on the long term. Most importantly, you can pursue tax-deferred growth, which allows your original investment, plus your earnings, to compound and grow, without having to pay taxes on your growth until later.4
With the Protected Benefit Account, you’ll choose from a focused range of investment options built to adapt to your changing needs, particularly as your tolerance for risk may change as you get closer to retirement.
With the Investment Account, you can access over 100 investment options to build a customized portfolio without being locked into any decisions you make today about what you might need in the future.
As you’re building your savings, Retirement Cornerstone®’s investment options offer flexibility to match your portfolio to your own goals, needs and tolerance for risk, now and in the future.
Grow your savings
Investment Account
Protected Benefit Account
• Important additional information
• Legacy & RMD planning
• Death Benefit Options
• GMDB
• Flexibility for you... and a spouse
• Accounts
• GMIB
• Income opportunities
• Different ways to grow
• Protect your income
• Investment options
• Grow & Protect
• Introduction
• Flexibility to support
• What's an annuity
Learn more about Retirement Cornerstone®
What does compounding do for you?
Creates a snowball effect that happens when your earnings produce even more earnings! This helps your money grow faster as time goes on because it puts your money to work for you.
Compounding
2 Earnings are taxable as ordinary income when distributed, and may be subject to a 10% additional federal tax if withdrawn before age 59½.
Flexibility
3 Footnote lorem ipsum
Protect your income
Income growth in action: a hypothetical example
The Investment Account features an extensive selection of over 100 investment portfolios from well-known investment managers. The Protected Benefit Account funds the Guaranteed Minimum Income Benefit (GMIB), an optional rider available for an additional fee. The GMIB ensures you will be able to generate lifetime income, no matter how your investment portfolios perform, as long as you stay within certain withdrawal guidelines. As your needs change over the years, you can simply transfer assets from the Investment Account to the Protected Benefit Account. Transfers from the Protected Benefit Account to the Investment Account are not allowed. Retirement Cornerstone® offers a variety of different death benefit options, some of which are subject to an additional cost. Please note, we have the discretion to change the contract rider fees after the first 2 contract years. A benefit base is used to generate a minimum lifetime income or withdrawal amount and is not a cash value. It is equal to the initial contribution and increases annually at a specified rate, which is called the Roll-Up Rate, during the GMIB Roll-Up Period. After the 7-year lock-in period, Roll-Up Rates are tied to the U.S. 10-year Treasury rates, which provide the opportunity to increase your income if interest rates rise.
It contains two distinct accounts, offering investment portfolio performance and retirement lifetime income protection within a single tax-deferred product, providing an innovative approach to managing retirement needs. The Investment Account features an extensive selection of over 100 investment portfolios from well-known investment managers. The Protected Benefit Account funds the Guaranteed Minimum Income Benefit (GMIB), an optional rider available for an additional fee. The GMIB ensures you will be able to generate lifetime income, no matter how your investment portfolios perform, as long as you stay within certain withdrawal guidelines. As your needs change over the years, you can simply transfer assets from the Investment Account to the Protected Benefit Account. Transfers from the Protected Benefit Account to the Investment Account are not allowed. Retirement Cornerstone® offers a variety of different death benefit options, some of which are subject to an additional cost. Please note, we have the discretion to change the contract rider fees after the first 2 contract years. A benefit base is used to generate a minimum lifetime income or withdrawal amount and is not a cash value. It is equal to the initial contribution and increases annually at a specified rate, which is called the Roll-Up Rate, during the GMIB Roll-Up Period. After the 7-year lock-in period, Roll-Up Rates are tied to the U.S. 10-year Treasury rates, which provide the opportunity to increase your income if interest rates rise.
can be a smart retirement strategy that helps you grow and protect your lifetime income stream — and what you’ll leave behind — with flexibility designed to fit your life.
Retirement Cornerstone®
Cornerstone®
Retirement Cornerstone® offers built-in spousal protection that’s easy to elect or change as your needs change
Flexibility for you... and a spouse
Legacy planning for a better future
GMDB
Benefits of feature
Cost-effective Principal protection Market-based resets
Return of principal
Highest anniversary value (HAV)
RMD Wealth Guard
6 Restrictions apply.
Retirement Cornerstone® offers built-in spousal protection that’s easy to elect or change as your needs change Options include the two-for-one Guaranteed Minimum Income Benefit (for spouses who are joint owners of the contract) and spousal continuation benefits (to continue the contract for a surviving spouse at no additional cost when an individual owner passes away). It’s a well-rounded retirement plan that allows you to select the level of coverage that best fits your needs as an individual or a couple.5
Options include the two-for-one Guaranteed Minimum Income Benefit (for spouses who are joint owners of the contract) and spousal continuation benefits (to continue the contract for a surviving spouse at no additional cost when an individual owner passes away). It’s a well-rounded retirement plan that allows you to select the level of coverage that best fits your needs as an individual or a couple.6
Click here for more information about the accounts.
Legacy & RMD planning
Plan for a future beyond your own
When loved ones are involved, there’s always more to consider than your individual priorities. By setting aside funds through a death benefit, you can rest assured that your legacy will live on for your loved ones in the ways most important to you.
Retirement Cornerstone®’s death benefit options have something for everyone.
Highest anniversary value
A cost-effective, no-fee way to preserve and pass on the principal of your original investment, adjusted for withdrawals you take during your lifetime.
Locks in the highest year-end account value you earn, up to age 85, to ensure your loved ones receive no less than your best end-of-contract-year account value, adjusted for the withdrawals you take.
Options to leave your loved ones a Guaranteed Minimum Death Benefit (GMDB) (fees apply).
Helps you take the income required by the IRS without reducing your death benefit, while still giving you the opportunity to build what you pass along by capturing any market growth.
Click tabs below to find out more.
A good retirement strategy protects the income you need to retire.
A great retirement strategy does it on your own terms, in your own time.
Retirement Cornerstone® responds to your changing needs and priorities over time, with options that fit your life.
Cost- effective
Principal protection
Market-based resets
great
