Registered index-linked annuity · SEC-registered · defined downside design
Investment Edge 21
Issued by Equitable Financial Life Insurance Company of America
AM Best ACan lose value
Segment terms1-year · 5-year
Downside choices0% buffer · 10% buffer · 15% buffer · 20% buffer · 40% buffer
FeeNot published
Surrender periodNone
Free withdrawal10%per year
Issue ages0–85 (annuitant and owner) · age limits based on the older person
Available jurisdictions48published in the feed
Market value adj.None
Headline segment · S&P 500 Index · 1-year · 10% buffer18% cap · 10% buffer
The upside term is shown with its index, term, downside rule, and fee status. This indexed segment can lose value.
The buffer absorbs the first 10% of segment loss; losses beyond it can still apply. This is not an FIA.Every segment, by index and downside design
Read across a row to compare the upside term under each published downside design. Current rates for the selected state and $100,000 premium; every percentage identifies what it is.
Strategy fee is not published; outcome figures are suppressed unless another published fee applies.
Swipe horizontally to compare every protection level.
| Index · term | 0% buffer | 10% buffer | 15% buffer | 20% buffer | 40% buffer |
|---|---|---|---|---|---|
| S&P 500 | |||||
| 1-yearPoint-to-point | 110% participationPublished rate instance 4 Segment detailsMinimum participation: 110%Minimum buffer: 0%110% participationPublished rate instance 5 Segment detailsMinimum participation: 110%Minimum buffer: 0%110% participationSelected contract rate instance Segment detailsMinimum participation: 110%Minimum buffer: 0% | 18% capPublished rate instance 1 Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10%15% capPublished rate instance 1 Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10%18% capPublished rate instance 2 Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10%15% capPublished rate instance 2 Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10%17% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10%13% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10% | 14.5% capPublished rate instance 1 Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 15%14.5% capPublished rate instance 2 Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 15%13% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 15%10.5% capPublished rate instance 4 Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 15%10.5% capPublished rate instance 5 Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 15%9% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 15% | 12% capPublished rate instance 4 Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 20%7.5% capPublished rate instance 4 Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 20%12% capPublished rate instance 5 Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 20%7.5% capPublished rate instance 5 Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 20%11.5% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 20%6.5% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 20% | 9% capPublished rate instance 4 Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 40%9% capPublished rate instance 5 Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 40%8.5% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 40% |
| 1-yearPerformance trigger | — | 11.5% trigger ratePublished rate instance 1 Segment detailsMinimum trigger rate: 11.5%Minimum participation: 100%Minimum buffer: 10%11.5% trigger ratePublished rate instance 2 Segment detailsMinimum trigger rate: 11.5%Minimum participation: 100%Minimum buffer: 10%11.5% trigger ratePublished rate instance 3 Segment detailsMinimum trigger rate: 11.5%Minimum participation: 100%Minimum buffer: 10% | 10% trigger ratePublished rate instance 4 Segment detailsMinimum trigger rate: 10%Minimum participation: 100%Minimum buffer: 15%10% trigger ratePublished rate instance 5 Segment detailsMinimum trigger rate: 10%Minimum participation: 100%Minimum buffer: 15%10% trigger rateSelected contract rate instance Segment detailsMinimum trigger rate: 10%Minimum participation: 100%Minimum buffer: 15% | — | — |
| 5-yearPoint-to-point | 115% participationPublished rate instance 4 Segment detailsMinimum participation: 115%Minimum buffer: 0%120% participation Segment detailsMinimum participation: 120%Minimum buffer: 0%115% participationSelected contract rate instance Segment detailsMinimum participation: 115%Minimum buffer: 0% | Not publishedPublished rate instance 1 Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 10%700% capPublished rate instance 1 Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 10%Not publishedPublished rate instance 2 Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 10%700% capPublished rate instance 2 Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 10%Not publishedPublished rate instance 3 Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 10%700% capPublished rate instance 3 Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 10% | 750% capPublished rate instance 1 Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 15%300% capPublished rate instance 1 Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 15%750% capPublished rate instance 2 Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 15%300% capPublished rate instance 2 Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 15%750% capPublished rate instance 3 Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 15%135% cap Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 15% | 250% capPublished rate instance 4 Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 20%75% capPublished rate instance 4 Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 20%250% capPublished rate instance 5 Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 20%75% capPublished rate instance 5 Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 20%110% cap Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 20%75% capSelected contract rate instance Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 20% | — |
| 5-yearPerformance trigger | — | 50% trigger ratePublished rate instance 4 Segment detailsMinimum trigger rate: 50%Minimum participation: 100%Minimum buffer: 10%50% trigger ratePublished rate instance 5 Segment detailsMinimum trigger rate: 50%Minimum participation: 100%Minimum buffer: 10%50% trigger rateSelected contract rate instance Segment detailsMinimum trigger rate: 50%Minimum participation: 100%Minimum buffer: 10% | — | — | — |
Showing 54 of 204 indexed segments.
Menu combined from 6 published rate instances (28 + 28 + 28 + 40 + 40 + 40 segments). Published share classes: B Share · C Share · I Share; the source does not map each rate instance to a share class.
Outcome simulator unavailable
The current feed does not publish a strategy fee for every eligible segment. No zero fee is assumed, so outcome figures are suppressed.
What the carrier can change at renewal
Upside rates and downside-protection terms are declared for each segment. These are the contractual minimums published with the live rows.
Performance trigger · 1-year100%Minimum participation rate
Performance trigger · 1-year10%Minimum trigger rate
Performance trigger · 5-year100%Minimum participation rate
Performance trigger · 5-year45%Minimum trigger rate
Point-to-point · 1-year2%Minimum cap
Point-to-point · 1-year100%Minimum participation rate
Point-to-point · 5-year10%Minimum cap
Point-to-point · 5-year100%Minimum participation rate
Minimum published buffer0%Lowest value across the published segment limits
Read the minimum buffer twice. A renewed segment may carry no buffer at all. Today’s buffer is a declared term and is not fixed for the life of the contract.
Open “Segment details” in the matrix to see the contractual minimum attached to that exact row.
Getting money out
No surrender charge
Annual free withdrawal10%
Systematic withdrawalsAvailable
Nursing-home / terminal-illness waiverNursing home · Terminal illness
BailoutNot available
Return of premiumNot available
Death benefitAccount Value Death Benefit
Analyst notes
Where it stands out
- Investment Edge 21 is an accumulation-focused variable and index-linked contract with segment choices across large-cap, technology, international, emerging-market, and small-cap indexes.
- The current menu includes both capped point-to-point and performance-trigger designs, with each upside term paired to its buffer.
- The contract ledger publishes no surrender charge for the selected version while still showing its withdrawal rules and prospectus-governed interim values.
- Single-life annuitization choices and systematic withdrawals are published in the current contract ledger.
What to confirm
- This registered index-linked annuity can lose value. A buffer absorbs only the first stated part of an index loss and does not protect principal from losses beyond it.
- Caps, triggers, buffers, and renewal minimums are different contract terms and must be compared within the same index and segment term.
- The current product data lists profile-level charges without enough consumer-facing detail to assign either charge to every indexed segment; no outcome is shown as fee-free on that basis.
- The contract is not published as available in New York, Oregon, or Utah, and territory availability is not published for this version.
Best fitBuyers who understand prospectus-governed market risk and want to compare capped and trigger-based buffered segments across several equity indexes.
Not ideal forBuyers who require principal protection, a bank-deposit guarantee, a fixed return, or an outcome estimate when the applicable charge cannot be tied to the selected segment.
Expanded contract facts
Contract details beyond the headline rate
Key facts published in the versioned CANNEX contract ledger. Gaps are labeled, not guessed.
Contract ledger statusAvailable · version 2.0
Product familyRILA
Share classesB Share · C Share · I Shareapplicable_rule · product_profile
PremiumNot published in feed
Issue ages0–85 (annuitant and owner) · age limits based on the older person
Joint age rulesannuitant: minimum age uses the younger person, maximum age uses the older person, maximum age difference not published · owner: minimum age uses the younger person, maximum age uses the older person, maximum age difference not published
Funding typesNon-qualified · Qualified
Annuitant typesJoint · Single
OwnershipCorporation · Joint · Single · Trust
Joint contractAvailable
Free-look periodAvailable
Annuitization maximum age98 years
Annuitization optionsSingle life
Profile feesContract charge · Current · tier 1 1% · daily · Contract charge · Current · tier 1 1.25% · daily
Premium bonusNot published
Systematic withdrawalsYes
Minimum-withdrawals rule appliesYes
BailoutNo
Market value adjustmentNone
Return of premiumNot available
Free-withdrawal tiersTier 1: 10% · Available
CDSC schedule0 years · applies to the selected contract
Surrender ledger statusAvailable
Contract sourceCANNEXNormalized public contract facts; source XML and internal identifiers are not displayed.
Source vintagefreshObserved Sep 18, 2026 · generated Sep 20, 2026
Income rider optionsNone published — accumulation only
Death benefitAccount Value Death Benefit
Contract open dateNot published in feed
Source and vintage: normalized public product facts from CANNEX, observed Sep 18, 2026. Raw licensed XML and internal identifiers are not included. Terms can vary by state, premium, age, share class, and contract version; confirm the current carrier contract and illustration before purchase.
Prospectus and SEC filings
A RILA is a registered security. The prospectus governs interim value, performance lock, death benefit, and fees.
RegistrantEquitable Financial Life Insurance Company of America
SEC CIK0000835357
File numbers333-275497
Open filings on EDGAR ↗No verified carrier document link is published in the product feed. Rate-sheet supplements will appear only after their product and carrier match is verified.
State availability
48 published jurisdictions. Not available in New York, Oregon, or Utah; availability in U.S. territories is not published for this contract version.
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVOHOKPARISCSDTNTXVAVTWAWIWVWY
Rates are sourced from CANNEX via AdvisorWorld and updated daily. Rates vary by state, premium band, and issue age. A registered index-linked annuity can lose value; a buffer, floor, or downside-participation rule limits specified losses but does not guarantee principal or surrender value. Upside rates and downside-protection terms can change on new segments. Educational only — not advice, a quote, or a carrier-approved illustration. Guarantees are backed by the issuing carrier’s claims-paying ability and are not FDIC-insured.