Empower Annuity Insurance Co of America Filed Non-offering registration
First filed Apr 23, 2026 · CIK 744455
Effective prospectus: S-1 Apr 23, 2026 (0000744455-26-000013) · terms available
“This prospectus describes the Empower SecureFoundation ® Group Fixed Deferred Annuity Contract (the "Contract") issued by Empower Annuity Insurance Company of America.”
What the company does
Empower Annuity Insurance Company of America is a stock life insurance company organized under the laws of Colorado. The Company and its subsidiaries are providers of retirement services, insurance, and other financial service products to corporate, institutional, government and individual customers, with a primary focus on expanding its presence in the United States' defined contribution market. The Company operates through segments including Workplace Solutions (employer-sponsored retirement plan solutions), Personal Wealth (retail wealth management and individual retirement accounts), Earnings on Surplus (investment portfolio results), and Corporate (group annuity contracts, individual annuity contracts, individual insurance products, and financing activities).
Underwriters
Underwriters are not applicable to this non-offering registration.
Extracted from S-1 0000744455-26-000013, filed Apr 23, 2026 and verified against that filing text.
Key risk factors
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Loss of GLWB if Plan Sponsor changes record keeper
“If the Plan Sponsor selects a new record keeper, the GLWB Participant may lose the entire benefit.”
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Plan Sponsor may cancel Contract or remove Covered Fund
“The Plan Sponsor may elect to cancel the Contract at any time or remove the Covered Fund from the Retirement Plan's investment options.”
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GLWB Participant may die before receiving payments
“If the GLWB Participant (assuming he is the sole Covered Person) dies before the Covered Fund Value is reduced to zero, the GLWB Participant will never receive any payments under the Contract.”
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Covered Fund may perform well enough that GLWB not needed
“There is a good chance that the Covered Fund will perform well enough that GAWs will not reduce Covered Fund Value to zero.”
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Excess Withdrawals may terminate benefits
“The GLWB Participant may need to make Excess Withdrawals, which have the potential to substantially reduce or even terminate the benefits available under the Contract as well as terminate the Certificate.”
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Cyber security risks
“Cyber-attacks affecting us, the Portfolios, intermediaries and other affiliated or third-party service providers may adversely affect us and your Annuity Account Value.”
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Claims-paying ability of the Company
“The GLWB Participant's receipt of payments from us is subject to our claims paying ability.”
Financials before the first trade
| Fiscal Year | Revenue | Growth YoY | Gross Profit | Gross Margin | Operating Income | Net Income | Operating CF | Cash | Total Assets |
|---|---|---|---|---|---|---|---|---|---|
|
FY 2017
ended 2017-12-31
|
$2.78B | -1.0% | — | — | — | — | $940.97M | $17.21M | $62.46B |
|
FY 2016
ended 2016-12-31
|
$2.8B | +2.3% | — | — | — | — | $655.82M | $18.32M | $60.31B |
|
FY 2015
ended 2015-12-31
|
$2.74B | +7.1% | — | — | — | — | $225.34M | $34.36M | $57.9B |
|
FY 2014
ended 2014-12-31
|
$2.56B | +18.1% | — | — | — | — | $660.34M | $12.78M | $58.35B |
|
FY 2013
ended 2013-12-31
|
$2.17B | -4.4% | — | — | — | — | — | $7.49M | $55.32B |
|
FY 2012
ended 2012-12-31
|
$2.27B | +3.3% | — | — | — | — | — | $11.39M | $52.82B |
|
FY 2011
ended 2011-12-31
|
$2.19B | -8.8% | — | — | — | — | $522.73M | $7.59M | $48.21B |
|
FY 2010
ended 2010-12-31
|
$2.4B | +18.5% | — | — | — | $202.76M | $739.72M | $4.48M | $47.63B |
|
FY 2009
ended 2009-12-31
|
$2.03B | — | — | — | — | — | $579.27M | $170.98M | — |
From the company's own XBRL-tagged financial statements (SEC companyfacts), full fiscal years only. Growth and margins are computed from the stated figures.
Filing history
| Filed | Form | Accession | |
|---|---|---|---|
| 2026-04-23 | S-1 | 0000744455-26-000013 | View on EDGAR |