1  Under current federal tax rules, you generally may take income-tax-free partial withdrawals under a life insurance policy that is not a Modified Endowment Contract (MEC) up to your basis in the contract. Additional amounts are includible in income. The IRS places a limit on how much money can go into life insurance premiums for the policy and how quickly such premiums can be paid in order for the policy to retain all of its tax benefits. If certain limits are exceeded, a MEC results. MEC policyholders may be subject to taxes on distributions to the extent there is gain in their policy and penalties on any taxable amount if they are not 59½ or older. Loans taken will be free of current income tax as long as the policy remains in effect until the Insured's death, does not lapse, and is not a Modified Endowment Contract.

VUL Optimizer^® variable universal life insurance is offered by prospectus. This information must be accompanied by a current prospectus, which contains more information about the policy including risks, charges, expenses and investment objectives. You should read the prospectus and consider the information carefully before purchasing a policy.

This document is not a complete description or the VUL Optimizer^®. The prospectuses contain more complete information including investment objectives, risks, charges and expenses. Please read the attached prospectus contained in the tab below and consider the information carefully before purchasing or sending money.

2  Optional riders and features may not be available in all states. Terms and conditions may vary by state. All riders have restrictions and limitations. Read your prospectus and discuss with your financial professional for more detailed information. 

Please note that outstanding loans accrue interest. Income-tax-free treatment also assumes the loan will eventually be satisfied from income-tax-free death benefit proceeds. Loans and withdrawals reduce the policy’s cash value and death benefit and increase the chance that the policy may lapse. If the policy lapses, is surrendered or becomes a MEC, the loan balance at such time would generally be viewed as distributed and taxable under the general rules for distribution of policy cash values.

Guarantees are based on the claims-paying ability of the issuing insurance company either Equitable Financial Life Insurance Company or Equitable Financial Life Insurance Company of America. The guarantees do not apply to the investment portfolios.

Life insurance is subject to exclusions, limitations, and terms for keeping it in force. Your financial professional can provide you with costs and complete details.

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 Advisor financial professionals, VUL Optimizer^® is issued by Equitable Financial Life Insurance Company (New York, NY). Equitable Financial and Equitable America are separate companies, and each insurance company has sole responsibility for its life insurance obligations.

Please be advised that this content 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 you should seek advice based on your particular circumstances from an independent tax advisor.

Certain types of contracts, features and benefits may not be available in all jurisdictions or may be different.

This is not a complete description of the VUL Optimizer^® contract.

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

VUL Optimizer^® Policy form #s ICC15-100, 15-100 or state variations.

Market Stabilizer Option^® form #s ICC15-R15-200, R15-200 or state variations.

Throughout this website "Equitable" is referenced. In some cases, this is representative of both Equitable Financial Life Insurance Company (Equitable Financial) and Equitable Financial Life Insurance Company of America (Equitable America), which are affiliated companies.