Equitable launches new registered index-linked annuity product

Published 23/09/2025, 14:14
Equitable launches new registered index-linked annuity product

NEW YORK - Equitable (NYSE:EQH), a $16.2 billion financial services leader with strong financial health according to InvestingPro metrics, announced Tuesday the introduction of Structured Capital Strategies Premier (SCS Premier), expanding its registered index-linked annuity portfolio with enhanced growth potential and downside protection features.

The new offering includes 120 investment options tied to indices such as the S&P 500, with uncapped segment options and enhanced participation rates that can multiply positive index returns. SCS Premier also introduces two new investment features: a "Best Entry" option that can reset the starting investment value to capture better entry points, and a "Dual Step Tier" that converts investment losses within the buffer to predetermined positive returns.

"SCS Premier helps individuals plan with confidence — bolstering their ability to build a secure financial future, weather potential market volatility and leave a legacy for loved ones," said Steve Scanlon, Equitable’s Head of Individual Retirement, according to the company’s press release.

The product allows for more frequent asset reallocation, enabling investments to be reallocated weekly rather than waiting for investment segments to reach maturity after one or six years. It also offers a -40% downside protection buffer option.

SCS Premier introduces death benefit options new to the registered index-linked annuity market, including a feature providing either a simple 5% interest roll-up or the highest anniversary value over the contract’s life, whichever is greater.

Equitable pioneered the first registered index-linked annuity in 2010 and has continued to develop its offerings. The SCS Premier joins other products in the company’s suite, including SCS PLUS and Structured Capital Strategies Income.

All contract and rider guarantees are backed by the claims-paying ability of the issuing life insurance company, either Equitable Financial Life Insurance Company or Equitable Financial Life Insurance Company of America, depending on the contract and distributor. With a healthy current ratio of 1.77 and seven consecutive years of dividend increases, Equitable demonstrates strong financial stability. For detailed analysis of Equitable’s financial metrics and growth potential, investors can access the comprehensive Pro Research Report available on InvestingPro, which covers over 1,400 US stocks with expert insights and actionable intelligence.

In other recent news, Equitable Holdings Inc. reported its second-quarter 2025 earnings, showing a mixed performance. The company achieved an adjusted non-GAAP earnings per share (EPS) of $1.41, surpassing the forecast of $1.33. However, revenue fell short of expectations, reaching $2.36 billion compared to the anticipated $3.23 billion, marking a significant 26.93% miss. Following these results, several analysts adjusted their outlook on the company. BMO Capital lowered its price target for Equitable Holdings to $70 from $71, maintaining an Outperform rating, and revised its EPS estimates for 2025 and 2026 downward due to lower earnings expectations in the Individual Retirement segment. Evercore ISI also adjusted its price target to $63 from $64, citing the earnings report and earnings call as reasons for slightly lowering its second-half 2025 and 2026 estimates. Additionally, Wells Fargo reduced its price target to $63 from $66, maintaining an Overweight rating after discussions with Equitable Holdings executives about future financial expectations. These developments highlight the recent adjustments and expectations surrounding Equitable Holdings.

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