Helping participants plan for the future in a now world

At Empower, we imagine a future in which Americans can replace their working income — for life. With a pioneering spirit, we are blazing new trails to help your participants pursue their financial independence.

We bring four key values to every partnership:

  • Service excellence
  • Constant innovation
  • Public policy
  • Outstanding people

With a singular focus on monthly income in retirement, we apply our core values and decades of experience to help you create a better retirement experience for your employees.

  • A new participant experience designed around projected monthly income in retirement

  • A focus on end-to-end service excellence

  • High-quality and wide-range of investment options

  • Modern proprietary recordkeeping system

  • Integrated view of health and wealth savings

  • High value for your benefits dollars

  • Sophisticated tools to engage and measure results

Products and services

Discover our suite of products and services — driven by innovation to be better, smarter and simpler.

Participant engagement

We help you motivate participants to take action with targeted multichannel communications.

1 As of December 31, 2016. Information refers to all insurance and retirement business of Great-West Life & Annuity Insurance Company and its subsidiaries.

2 PLANSPONSOR Defined Contribution Survey — best-in-class awards, November 2016

3 Advisory services are offered by Advised Assets Group, LLC (AAG), a federally registered investment adviser and wholly owned subsidiary of Great-West Life & Annuity Insurance Company. More information about AAG can be found at www.adviserinfo.sec.gov.

By electing Empower HSA, plan participants are contracting directly with Optum and its affiliates OptumHealth Financial Services, Inc., for this service. Great West Life & Annuity Insurance Company (GWL&A), or its subsidiaries or affiliates, is not responsible for the services offered by Optum. GWL&A, including its broker dealer subsidiary GWFS Equities, Inc. is not affiliated with Optum.

Not all features are currently available. Some features are under consideration and/or in development. Presented for discussion purposes; non-binding and subject to change without notice.

Health savings accounts (HSAs) are individual accounts offered or administered by Optum Bank®, Member FDIC, and are subject to eligibility requirements and restrictions on deposits and withdrawals to avoid IRS penalties. State taxes may apply. Fees may reduce earnings on account.

Investments are not FDIC insured, are not guaranteed by Optum Bank®, and may lose value.

The content of this communication is not intended as legal, investment or tax advice. Optum Bank is not a broker-dealer or registered investment advisor and does not provide investment advice or research concerning securities, make recommendations concerning securities or otherwise solicit securities transactions. Investments are self-directed, and HSA owners should read the prospectus carefully and consider their individual financial situation, goals and objectives along with the fund's investment objectives, risks, charges, expenses and fees before investing.

All Optum trademarks and logos are owned by Optum. All other brand or product names are trademarks or registered marks of their respective owners. Because we are continually improving our products and services, Optum reserves the right to change specifications without prior notice. Optum is an equal opportunity employer.

Unless otherwise noted: Not a Deposit | Not FDIC Insured | Not Bank Guaranteed | Funds May Lose Value| Not Insured by Any Federal Government Agency