Important note

1 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 59½, 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.

2 The Long-Term Care Services^sm Rider (LTCSR) is available for an additional charge subject to underwriting approval. Use of the LTCSR benefit will reduce the death benefit payable upon the insured’s death through an acceleration of the death benefit. The LTCSR will terminate if the accumulated benefit lien equals the maximum total benefit. Refer to the VUL Incentive Life Protect^sm prospectus for complete information.

3 The MSO II provides varying levels of downside protection and upside potential in various market scenarios. However, amounts in the MSO II are subject to fluctuation in value and market risk, including loss of principal. MSO II is not available in all jurisdictions. In states where MSO II is not available, the Market Stabilizer Option^® (MSO) may be available instead. The MSO and MSO II are not available for policies with a contract state of New York. Refer to the product prospectus for more information. 

Asset allocation portfolios that are structured as a fund-of-funds, which is a portfolio that specializes in buying shares of other portfolios rather than individual securities, may have higher costs than if you invested directly in the underlying portfolios.

VUL Incentive Life Protect^sm, VUL Optimizer^® and COIL Institutional Series^® may not be available in all jurisdictions, and features and benefits may vary. These are  variable universal life insurance policies that are sold only by prospectus. Be sure to review the current prospectuses for complete details, including investment objectives, risks, charges, expenses, limitations and restrictions. Please be sure you read the product prospectuses and consider the information carefully before purchasing a policy or sending money. You can find a copy of the prospectus at equitable.com.

A variable universal life insurance policy is a contractual agreement in which premiums are paid to an insurance company. In return for these premiums, the insurance company will provide a benefit to a named beneficiary upon proof of the insured’s death and a policy cash value. Amounts in the policy’s cash value may be invested in a variety of variable investment portfolios. Amounts in a variable universal life insurance policy’s variable investment options are subject to fluctuation in value and market risk, including loss of principal. 

Please be advised this web page is not intended as legal or tax advice. Accordingly, any tax information provided 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. Equitable Financial, Equitable America and its affiliates do not provide legal or tax advice.

Please note that not all investment options may be available through your variable life insurance policy. Please refer to the prospectus for additional information.

S&P^®, S&P 500^® and Standard & Poor’s 500^® are trademarks of Standard & Poor’s and have been licensed for use by Equitable. The Market Stabilizer Option^® and the Market Stabilizer Option^® II are 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 the products.

Market Stabilizer Option^® II is a registered service mark of Equitable Financial Life Insurance Company. 

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 on this website 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.

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). The obligations of Equitable Financial and Equitable America are backed solely by their claims-paying abilities.