VUL Optimizer has additional charges including but not limited to potential surrender charges, cost of insurance charge, mortality and expense risk charge, front-end load, monthly administration charges, and if elected, Rider charges. Please make sure you and your clients consider these charges before making a purchase.

Under current federal tax rules, clients may access their cash value by taking federal income tax-free loans or withdrawals from a life insurance policy that is not a Modified Endowment Contract (MEC) of up to their basis (total premiums paid) in the policy. Certain exceptions may apply for partial withdrawals during the policy’s first 15 years. If the policy is a MEC, all withdrawals or loans are taxed as ordinary income to the extent of gain in the policy, and may also be subject to an additional 10% premature distribution penalty if taken prior to age 59, unless certain exceptions apply. Loans and partial withdrawals will decrease the death benefit and cash value of the life insurance policy and may be subject to policy limitations and income tax. In addition, loans and partial withdrawals may cause the policy benefits and riders to become unavailable and may increase the chance the policy may lapse. If the policy lapses, is surrendered or becomes a MEC, the loan balance at the time would generally be viewed as a distribution and therefore taxable under the general rules for distribution of policy cash values.

Policy loans and withdrawals will reduce the face amount and cash value of the contract. Clients may need to fund higher premiums in later years to keep the policy from lapsing. 70 is the maximum age in Florida. This version of the rider is not yet available in CA or NY. Insureds age 60 and older who elect this rider on VUL Legacy will not be eligible for the preferred elite or preferred non-tobacco underwriting classes. In FL, this rider is called the Long-Term Care Insurance Rider^sm. Actual terms and conditions of the LTCSR are contained in Rider form ICC19 R19 LTCSR, R19 LTCSR and state variations. This rider has exclusions and limitations and may not be available in all jurisdictions or may vary. The LTCSR has an additional cost and is subject to restrictions and limitations. Clients may qualify for life insurance, but not for the LTCSR. The LTCSR is paid as an acceleration of the death benefit.

You must be properly licensed to sell Equitable Financial Life Insurance Company and Equitable Financial Life Insurance Company of America products with the LTCSR. Depending on the issue state, you may be required to have a health insurance license and satisfy LTC CE requirements in addition to other licensing requirements.

Life insurance products are issued by Equitable Financial Life Insurance Company (New York, NY) or Equitable Financial Life Insurance Company of America and codistributed by affiliates Equitable Network, LLC (Equitable Network Insurance Agency of California in CA; Equitable Network Insurance Agency of Utah in UT; Equitable Network of Puerto Rico, Inc. in PR) and Equitable Distributors, LLC. Variable life insurance products are co-distributed by Equitable Advisors, (member FINRA, SIPC) (Equitable Financial Advisors in MI and TN) and Equitable Distributors, LLC. When sold by New York state based (i.e., domiciled) Equitable Advisors financial professionals, life insurance products are issued by Equitable Financial Life Insurance Company (New York, NY). All companies are affiliated and directly or indirectly owned by Equitable Holdings, Inc., and do not provide tax or legal advice.

Please be advised that this webpage is not intended as legal or tax advice. Accordingly, any tax information provided in this guide for producers is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer. The tax information was written to support the promotion or marketing of the transaction(s) or matter(s) addressed, and clients should seek advice based on their particular circumstances from an independent tax advisor.

Policy form #s ICC15-100, 15-100 or state variations.

Market Stabilizer Option^® form #s ICC15-R15-200, R15-200 or state variations (not available in New York).

VUL Optimizer^® is a flexible premium variable life insurance policy issued in New York and Puerto Rico by Equitable Financial Life Insurance Company (Equitable Financial), New York, NY; and in all other jurisdictions by Equitable Financial Life Insurance Company of America (Equitable America), an Arizona Stock Corporation and is distributed by Equitable Advisors, LLC (member FINRA, SIPC) and Equitable Distributors, LLC, 1290 Avenue of Americas, New York, NY 10104. Equitable America is not licensed to conduct business in New York and Puerto Rico. When sold by New York state-based (i.e., domiciled) Equitable Advisors financial professionals, VUL Optimizer^® is issued by Equitable Financial Life Insurance Company (New York, NY). Equitable and Equitable America are separate companies, and each insurance company has sole responsibility for its life insurance obligations.

Equitable Financial, Equitable America, Equitable Advisors and Equitable Distributors are subsidiaries of Equitable Financial Services, LLC and Equitable Holdings, and do not provide tax or legal advice. Certain types of policies, features and benefits may not be available in all jurisdictions or may be different.

VUL Optimizer^® Charitable Legacy Rider^® and Market Stabilizer Option^® are registered marks and Long-Term Care Services Rider^sm is a service mark of Equitable Financial Life Insurance Company.

This webpage is not a complete description of all the material provisions of the VUL Optimizer^® variable life insurance policy. This webpage must be preceded or accompanied by the VUL Optimizer^® product prospectus and any applicable prospectus supplements. The prospectuses contain more complete information about the policy, including investment objectives, risks, charges, expenses, limitations and restrictions. Please read the prospectuses and consider the information carefully before purchasing a policy or sending money. Click here for a copy of the current prospectus.

For Financial Professional use Only/Not for Distribution to the public.