1 Structured Capital Strategies PLUS^® and Structured Capital Strategies^® Income are available to your client with zero explicit contract fees. All costs related to administration, sales and contract are built into the way the performance cap and buffer work, so an explicit fee won’t be charged. Expenses related to administration, sales and certain risks in the contract are factored into the Performance Cap Rate. As long as the money is invested in the Structured Investment Option to take advantage of the buffer against some loss and potential for growth up to the cap, your client will not be charged additional fees. For Structured Capital Strategies PLUS^®, if your client chooses the optional Return of Premium Death Benefit or invests money in a Variable Investment Option, fees and charges will apply. For Structured Capital Strategies^® Income, if your clients choose the optional Highest Anniversary Value (HAV) Death Benefit, or invest their money in a Variable Investment Option, additional fees and charges will apply.

2 Investment Edge^® Structured Investment Option Segments are available at no portfolio-level cost.


3 A Guaranteed Lifetime Withdrawal Benefit (GLWB) is a rider that allows for withdrawals, either regular or occasional, to be made from an annuity during the accumulation phase without penalty. The annuitant pays for the GLWB rider with additional fees that are added to the total value of the annuity contract. The amount of money allowed to be withdrawn is a percentage of the Income Base.

For Investment Edge^®, Structured Capital Strategies PLUS^®, and Structured Capital Strategies^® Income the Segment Interim Value is the value of your investment prior to the Segment Maturity Date, and it may be lower than your original investment in the Segment even where the index is higher at the time of the transfer or withdrawal prior to maturity. A transfer or withdrawal from the Segment Interim Value may be lower than your Segment Investment and may be less than the amount you would have received had you held the investment until the Segment Maturity Date. Generally, you will not receive the full protection of the Segment Buffer prior to the Segment Maturity Date, because the Segment Interim Value reflects a portion of the downside protection expected to be provided on the Segment Maturity Date. There is a risk of a substantial loss of your principal because you agree to absorb all losses to the extent, they exceed the protection provided by the Structured Investment Option at maturity. In certain states, prior to the Segment Maturity Date, you will not receive the full potential of the Performance Cap Rate since the participation in upside performance for early withdrawals is prorated based on the period those amounts were invested in a Segment. Please refer to the prospectus for a listing of these states. The participation rate is 100% for all Segments.

Variable annuities are long-term financial products designed for retirement purposes. In essence, annuities are contractual agreements in which payment(s) are made to an insurance company, which agrees to pay out an income or a lump-sum amount at a later date. Variable annuities are subject to market risk, including the possible loss of principal invested, and they have mortality and expense charges, account fees, investment management fees, administrative fees, charges for special contract features and restrictions and limitations. Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59 1/2. Optional benefits are available for an extra charge in addition to the ongoing fees and expenses of the variable annuity.

Guarantees are based on the claims-paying ability of the issuing life insurance company.

If clients are purchasing an annuity contract to fund an IRA or employer-sponsored retirement plan, they should understand that such annuities do not provide tax deferral benefits beyond those already provided by the Internal Revenue Code.

Clients should carefully consider their investment objectives and the charges, risks and expenses, as stipulated in the prospectus, before investing. For a prospectus containing this and other information, a financial professional can call the Sales Desk at (888) 517-9900. Please have clients read it carefully before investing or sending money. For a prospectus containing this and other information a client can click on the name of the variable annuity above or contact a financial professional. 

Equitable Financial Life Insurance Company, Equitable Financial Life Insurance Company and their affiliates do not provide tax or legal advice or services. Clients should consult with their own professional tax and legal advisors regarding their particular circumstances.

Structured Capital Strategies^®, Structured Capital Strategies^® Income, and Investment Edge^® variable annuities are issued by Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY) and, depending on the particular contract and its distributor, by Equitable Financial Life Insurance of America (Equitable America), an AZ stock corporation.  Distributed by affiliate Equitable Distributors, LLC, and Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN).  The obligations of Equitable America and Equitable Financial are backed solely by their own claims-paying abilities.