| 1 | Structured Capital Strategies (SCS) | RILA | Individual Retirement | EFL (NY) / EFLOA (non-NY) | $65.3B PAB | $12.7B net transfers from SA | Buffer/cap index-linked; embedded derivative accounting |
| 2 | EQUI-VEST Individual | Variable Annuity | Individual Retirement | EFL (NY) / EFLOA (non-NY) | $4.8B SA + $2.0B PAB | $0.095B deposits (SA) | Traditional VA with GMDB; separate account options |
| 3 | Investment Edge | Variable Annuity / RILA hybrid | Individual Retirement | EFL (NY) / EFLOA (non-NY) | $4.9B SA | $1.8B deposits (SA) | Investment-only VA; no living benefits; newer platform |
| 4 | GMxB Core VA | Variable Annuity (w/ guarantees) | Individual Retirement | EFL (NY) / EFLOA (non-NY) | $30.4B SA + ~$0 PAB | $2.0B deposits (SA) | GMDB/GMIB/GMWB; MRB liability $496M; actively sold vintage |
| 5 | EQUI-VEST Group | Group Variable Annuity (403b/457) | Group Retirement | EFL (NY) / EFLOA (non-NY) | $30.5B SA + $11.2B PAB | $2.4B deposits (SA); $0.6B premiums (PAB) | 403(b)/457 platform; 50% QS ceded to Global Atlantic |
| 6 | Momentum | Group Variable Annuity (401k) | Group Retirement | EFL (NY) / EFLOA (non-NY) | $4.8B SA + $0.5B PAB | $0.7B deposits (SA) | 401(k) platform |
| 7 | Funding Agreements (FHLB) | Institutional Spread Product | Group Retirement / C&O | EFL (EQF) | $7.2B | $66.2B issued / $66.6B repaid (short-term turnover) | Collateralized by $11.7B pledged assets; FHLB membership |
| 8 | Funding Agreements (FABN) | Institutional Spread Product | Group Retirement / C&O | EFL (EQF) | $5.7B | [Not in source] | $10.0B max capacity; FX-hedged foreign issuance |
| 9 | Funding Agreements (FABCP) | Institutional Spread Product | Group Retirement / C&O | EFL / EFLOA | $0.075B | [Not in source] | $3.0B (EQF) + $1.0B (EFLOA) capacity |
| 10 | Variable Universal Life (VUL) | Life Insurance | Protection Solutions | EFL (NY) / EFLOA (non-NY) | $18.2B SA + $5.0B PAB | $1.3B deposits (SA); $0.117B premiums (PAB) | $117.4B net amount at risk; separate account investment |
| 11 | Universal Life (UL) | Life Insurance | Protection Solutions | EFL (NY) / EFLOA (non-NY) | $5.1B PAB | $0.647B premiums | $33.3B net amount at risk; 3.82% avg crediting rate |
| 12 | Indexed Universal Life (IUL) | Life Insurance | Protection Solutions | EFL (NY) / EFLOA (non-NY) | [DAC: $186M] | [Not in source] | Index-linked crediting; embedded derivative features |
| 13 | Term Life | Life Insurance | Protection Solutions | EFL (NY) / EFLOA (non-NY) | [LFPB: $1.3B] | $0.052B issuances (PV benefits) | Duration 6.7 years; 90% QS to EQ AZ Life Re (pre-2009) |
| 14 | Legacy GMxB VA | Variable Annuity (run-off) | Legacy | EFL (NY) / EFLOA (non-NY) | $33.2B SA + $0.2B PAB | $0.220B deposits (SA) — net outflows $(4.3)B | GMIB/GMDB/GMWB; $10.5B gross MRB; avg age 73.6 yrs |
| 15 | Payout Annuities | Immediate/Deferred Payout | Individual Retirement / C&O | EFL (NY) / EFLOA (non-NY) | [LFPB: $5.1B] | $0.994B issuances (PV benefits) | Duration 7.7 years; structured settlement / SPIA / DIA |
| 16 | Group Pension (Benefit Reserve) | Defined Benefit Payout | Group Retirement | EFL (NY) / EFLOA (non-NY) | [LFPB: $0.5B] | $0.020B issuances | Duration 6.9 years; legacy DB pension obligations |
| 17 | Group Health / A&H | Accident & Health | Protection Solutions | EFL (NY) / EFLOA (non-NY) | [LFPB: $1.4B] | $0.314B gross premiums | Duration 8.4 years; disability income, critical illness, accident |
| 18 | Whole Life (Closed Block) | Participating Life | Legacy / C&O | EFL (NY) | [LFPB: $5.2B] | Closed to new sales (1992) | Demutualization Closed Block; assets ringfenced by NYDFS |
| 19 | Individual Disability Income | Disability Insurance | Protection Solutions | EFL (NY) / EFLOA (non-NY) | [Not in source] | Substantially all ceded | Fully reinsured; run-off |
| 20 | Group Life | Group Employee Benefits | Protection Solutions | EFL (NY) / EFLOA (non-NY) | [Part of $480.6B gross life in-force] | [Not in source] | QS + XOL reinsurance |
| 21 | Group Disability | Group Employee Benefits | Protection Solutions | EFL (NY) / EFLOA (non-NY) | [Not in source] | [Not in source] | QS + XOL reinsurance |
| 22 | Group Critical Illness | Group Employee Benefits | Protection Solutions | EFL (NY) / EFLOA (non-NY) | [Not in source] | [Not in source] | QS + XOL reinsurance |
| 23 | Group Accident | Group Employee Benefits | Protection Solutions | EFL (NY) / EFLOA (non-NY) | [Not in source] | [Not in source] | QS + XOL reinsurance |
| 24 | SIO (Structured Investment Option) | RILA variant | Individual Retirement | EFL (NY) / EFLOA (non-NY) | [Included in SCS embedded derivative] | [Not in source] | Variant of SCS; embedded derivative accounting |
| 25 | MSO (Market Stabilizer Option) | RILA variant | Individual Retirement | EFL (NY) / EFLOA (non-NY) | [Included in SCS embedded derivative] | [Not in source] | Variant of SCS; embedded derivative accounting |
| 26 | Fixed Deferred Annuities (pre-2015) | Fixed Annuity | Legacy / C&O | EFL (NY) | [Part of "Other" PAB $8.7B] | Closed (90% ceded 2018) | 90% coinsurance ceded to non-affiliate in 2018 |
| 27 | Assumed Reinsurance | Reinsurance Assumed | Corporate & Other | EFL | $0.647B reserves | $0.164B premiums | GMDB/GMIB, aviation, special risk; declining run-off |