GO
● Active
Greater of Roll-Up or Highest Anniversary Value
Equitable Financial Life Insurance Company of America
DTCC ID
—
COMPANY
Equitable Financial Life Insurance Company of America
TYPE
RILA
INCEPTION
Sep 22, 2025
Identity
Benefit name
Greater of Roll-Up or Highest Anniversary Value
Internal benefit name
Greater of Roll-Up or Highest Anniversary Value
Product policy type
RILA
Status
● Active
Sequence
4
Inception date
Sep 22, 2025
Closed date
—
DTCC Rider ID
—
Last modified
Dec 09, 2025
Life & Age
Based on life
Owner (or Annuitant if owner is a non-natural person)
Single life
No
Joint life
No
Min age
—
Max age
—
Rider select rule
Optional
Waiting period
—
Waiting term
—
Benefit Base
Maximum benefit base
—
Maximum benefit base %
—
With reduce benefit base
—
Subsequent premium
—
Partial withdrawals
Withdrawals will reduce benefit base proportionally.
Required min distributions
RMDs will reduce benefit base proportionally.
Coverage Flags
Exclude premium bonus
No
Spousal continuation option
Yes
Spousal continuation detail
Surviving spouse may elect to continue benefit under certain conditions after death of owner.
State Availability
Exception flag
No
Available in states
—
Benefit Description
The Greater Of GMDB Rider is an optional death benefit that must be chosen at issue and cannot be removed. It provides the greater of either a 5% simple roll-up of contributions or the highest account value on any contract anniversary (HAV). It’s available only if all owners or annuitants are age 75 or younger and is not offered for non-spousal joint owners. Contributions stop once the oldest owner turns 76, unless the surviving spouse is 75 or younger.
Lifecycle Events
Cancellation
May not be cancelled.
Termination
Once elected may not be terminated.
Effect change ownership
Change in ownership will result in termination of rider except under certain conditions.