A level of protection and growth potential

Structured Capital Strategies PLUS® is a registered index-linked annuity that offers you growth potential while providing a level of protection through Segment Buffers. Some index-linked variable annuities, like Structured Capital Strategies PLUS®, provide you an opportunity to make money when markets are down or provide an enhanced return when markets are up. Offering a combination of growth potential and a level of downside protection, variable annuities can allow you to prepare for your financial future in a flexible way. Explore the opportunity to protect and grow your capital, knowing it can remain resilient and accessible through both up or down markets. Get a solid understanding of how Structured Capital Strategies PLUS® works by watching this video.

Features and benefits

With Structured Capital Strategies PLUS®, you can choose from a range of investment options, called Segments, that follow well-known indices like the S&P 500 or Russell 2000®. These Segments help smooth out the big ups and downs of the market, providing a level of downside protection, tax deferral and flexibility – all with zero explicit fees - to help you face your future with confidence.
young woman hugging an older woman while they both smile and read something on a laptop

Take advantage of growth

With Equitable’s Structured Capital Strategies PLUS® variable annuity, you can benefit from market growth up to a set Performance Cap Rate that’s determined when you invest, even when markets are flat or down.

a woman hugging a man while they both read a paper document in their kitchen

A level of downside protection

Remain confident even when the market is down. Equitable’s Structured Capital Strategies PLUS® offers up to 40% buffered protection against losses.1

older couple laughing while sitting on the beach and having a picnic

Flexibility

Structured Capital Strategies PLUS® offers flexibility, which allows you to transfer investments if your needs change.

older woman smiling confidently and crossing her arms while looking out a window of her work space

Zero explicit fees

Fees and expenses are built into the way the Performance Cap Rate works, so more of your money remains invested.2

Frequently asked questions about Equitable’s Structured Capital Strategies PLUS®

  • How can Structured Capital Strategies PLUS® offer zero explicit fees?
    Structured Capital Strategies PLUS® is designed with your financial growth in mind. All costs related to administration, sales and certain risks are built into the way the Performance Cap Rate works. This means you won't see explicit fees deducted from your investment, allowing more of your money to remain invested and working for you.
  • What investment options are available with Structured Capital Strategies PLUS®?
    Learn more about the Segment Options available in our Overview Brochure. For a complete list of options, visit our Performance Cap Rates page.
older man at the gym doing a bicep curl with a bar graph showing performance cap rates, index return, and segment return

1:14 min video

Interested in enhanced returns even when markets are down?

Introducing the Dual Step Up Segment, the latest exciting enhancement to our Structured Capital Strategies PLUS® investment lineup.

Watch now

Let's take the next step

Speak to your financial professional to determine how Equitable’s Structured Capital Strategies PLUS® can help with your financial goals.

Prepare for a conversation with your financial professional

  1. Download the Structured Capital Strategies PLUS® overview brochure and fact card to help guide your conversation.
  2. Learn more about Structured Capital Strategies PLUS®. Watch this video. 
  3. View the latest Performance Cap Rates.
  4. Review the prospectus and supplements.
  5. Ask if the Structured Capital Strategies PLUS® variable annuity fits your specific needs.

Already a client?

Sign in or register for account balances, transactions, service request forms and advisor contact information.

Visit customer service for contact information and forms.

1 Up to -30% Segment Buffer available for New York contracts.

2 All the benefits of Structured Capital Strategies PLUS® are available to you with zero explicit fees. All costs related to administration, sales and contract are built into the Performance Cap Rate. If you choose the optional Return of Premium Death Benefit (Not available in New York), fees and charges will apply.

Equitable believes that education is a key step toward addressing your financial goals, and we've designed this material to serve simply as an informational and educational resource. Accordingly, the information in this content does not offer or constitute investment advice and makes no direct or indirect recommendation of any particular product or of the appropriateness of any particular investment-related option. Your needs, goals and circumstances are unique, and they require the individualized attention of your financial professional.

Structured Capital Strategies PLUS® is a variable and index-linked deferred annuity contract. Equitable Financial and Equitable America, upon advance notice to the investor, may discontinue, suspend or change contributions and transfers into investment options or make other changes in contribution and transfer requirements and limitations. Equitable Financial and Equitable America, upon advance notice to the investor, reserves the right to discontinue, suspend or change Segment offerings. Certain types of contracts and features will not be available in all jurisdictions. Check with your Financial Professional to see if Structured Capital Strategies PLUS® is available in your state.

This page does not cover all material provisions of the Structured Capital Strategies PLUS® contract. This page must be preceded or accompanied by a current Structured Capital Strategies PLUS® prospectus, which contains detailed information about the Structured Capital Strategies PLUS® contract, including risks, charges, expenses, investment objectives, limitations and restrictions. You should carefully read the prospectus before purchasing a contract. You can access the prospectus by tapping on the Prospectus tab in the navigation bar at the top of the screen. If you are purchasing an annuity contract as an Individual Retirement Account (IRA), you should be aware that such annuities do not provide tax-deferral benefits beyond those already provided by the Internal Revenue Code. Before purchasing one of these annuities, you should consider whether its features and benefits beyond tax deferral meet your needs and goals. You may also want to consider the relative features, benefits and costs of these annuities with any other investment that you may use in connection with your retirement plan or arrangement.

Equitable Financial and Equitable America may at any time exercise their rights to discontinue, suspend or change acceptance of contributions/transfers, as well as change minimum and maximum contribution requirements and limitations. Please see the prospectus and supplemental materials for details. Certain features and benefits described herein may not be available in all jurisdictions. In addition, some distributors may eliminate and/or limit the availability of certain features or options, based on annuitant issue age or other criteria.

S&P 500 Price Return Index — Includes 500 leading companies in leading industries of the U.S. economy, capturing approximately 80% coverage of U.S. equities. The S&P 500 Price Return Index does not include dividends declared by any of the companies included in this Index. Larger, more established companies may not be able to attain potentially higher growth rates of smaller companies, especially during extended periods of economic expansion. S&P®, Standard & Poor’s®, S&P 500® and Standard & Poor’s 500® are trademarks of Standard & Poor’s Financial Services LLC (“Standard & Poor’s”) and have been licensed for use by the company. Structured Capital Strategies PLUS® is not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s does not make any representation regarding the advisability of investing in Structured Capital Strategies PLUS®.

Russell 2000® Price Return Index — Measures the performance of the small-cap segment of the U.S. equity universe. The Russell 2000® Price Return Index is a subset of the Russell 3000® Index representing approximately 10% of the total market capitalization of that index. It includes approximately 2,000 of the smallest securities based on a combination of their market cap and current index membership. The Russell 2000® Price Return Index does not include dividends declared by any of the companies included in this Index. Stocks of small and mid-size companies have less liquidity than those of larger companies and are subject to greater price volatility than the overall stock market. Smaller company stocks involve a greater risk than is customarily associated with more established companies. The Russell 2000® Index is a trademark of Russell Investments and has been licensed for use by the company. The Product is not sponsored, endorsed, sold or promoted by Russell Investments and Russell Investments makes no representation regarding the advisability of investing in the Product.

Not all types of contracts, features and benefits are available in all jurisdictions and all markets. We offer other variable annuity contracts with different fees, charges and features. Not every contract is available through the same selling broker/dealer. You can contact us at (212) 554-1234 to find out the availability of other contracts.

When distributed outside of New York state by Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in Ml & TN) through Equitable Advisors Financial Professionals whose business address is not in New York state, or when distributed by Equitable Distributors, LLC through financial professionals of unaffiliated broker/dealers when the solicitation state is not New York, Structured Capital Strategies PLUS® variable annuity (February 2023 version) is issued by Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company with an administrative office located in Charlotte, NC. When offered by Equitable Advisors Financial Professionals whose business address is in New York state or when distributed by Equitable Distributors, LLC through financial professionals of unaffiliated broker/dealers when the solicitation state is New York, Structured Capital Strategies PLUS® is issued by Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY). The obligations of Equitable America and Equitable Financial are backed solely by their own claims-paying abilities.

Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY); Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company with an administrative office located in Charlotte, NC; and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN).

Idaho contract form #s: 2021SCSBASE-A(ID) and 2021SCSBASE-A(ID)-Z. All other states contract form #s: 2021SCSBASE-A, 2021SCSBASE-B, 2021SCSBASE-A-Z, 2021SCSBASE-B-Z and any state variations.

Variable Annuities: º Are Not a Deposit of Any Bank º Are Not FDIC Insured º Are Not Insured by Any Federal Government Agency º Are Not Guaranteed by Any Bank or Savings Association º May Go Down in Value

© 2024 Equitable Holdings, Inc. All rights reserved.

1345 Avenue of the Americas, New York, NY 10105, (212) 554-1234

GE-7038276.1 PLUS (10/2024) (Exp. 10/2028)