A retirement income plan that reflects the success you’ve achieved

COIL Institutional Series® is a contractual agreement in which premiums are paid to an insurance company, and the company, in return for those premiums, provides 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 are invested in a variety of variable investment options, where they are subject to fluctuations in value and market risk, including loss of principal. Life insurance policies have exclusions, limitations and terms for keeping the policies inforce. Fees and charges associated with COIL Institutional Series® include mortality and expense risk charges, cost of insurance charges, administrative fees, investment management fees and charges for optional benefits, including those associated with the Market Stabilizer Option® II. Certain types of policy features and benefits may not be available in all jurisdictions or may be different. Please see the policy’s prospectus for more complete information, including additional tax information.

This website is not a complete description of all the material provisions of the COIL Institutional Series. You can access the current prospectus through the link contained on this website. The prospectus contains more complete information about the policy including investment objectives, risks, charges and expenses. Please read the prospectus and consider the information carefully before purchasing a policy or sending money.  

Please be advised that this web page 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.

Corporate and Endowment Solutions (CES), including its administration services arm, CES Administration (CESA), is a division of Equitable, which 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 (Equitable Financial Advisors in MI & TN).

COIL Institutional Series® is issued in MD, NY, OR, PR, VA, and WA by Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY) and in all other jurisdictions by Equitable Financial Life Insurance Company of America (Equitable America), an Arizona stock company with an administrative office located in Charlotte, NC. Distributed by Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN) and Equitable Distributors, LLC (NY, NY). When sold by New York state-based (i.e., domiciled) Equitable Advisors Financial Professionals, COIL Institutional Series(R) is issued by Equitable Financial.