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Structured Capital Strategies® is a variable and index-linked deferred annuity contract that offers an innovative strategy combining structured growth potential up to a cap with tax deferral. This product includes a partial protection feature that eliminates a portion of your downside risk, while still giving you the opportunity to invest for growth up to a Performance Cap Rate. This is called the Structured Investment Option (SIO). The SIO permits the contract owner to invest in one or more Segments, each of which provides returns tied to the performance of an index for a set period (1 year, 3 years, 5 years). Through the partial protection feature, Equitable will absorb up to -30% of loss, depending on the index and duration selected. Please keep in mind that there is risk of substantial loss of principal because the investor agrees to absorb all losses that exceed the protection provided by the SIO at maturity. If you would like a guarantee of principal, Equitable offers other products that provide such guarantees. Additionally, it must be noted that there are variable investment options available that are not part of the SIO and the investment results in these variable investment options do not depend on the investment performance of a related index. Unlike an index fund, the SIO provides a return at maturity designed to provide a combination of protection against certain decreases in the index and a limitation on participation in certain increases in the index. 

Equitable Financial Life Insurance Company has sole legal responsibility to pay amounts it owes under the contract. An owner should look to the financial strength of Equitable for its claims-paying ability. The SIO does not involve an investment in any underlying portfolio. Instead, it is an obligation of Equitable Financial Life Insurance Company.

The Investment Edge® variable annuity is a tax-deferred financial product designed to allow you to invest for growth potential and provide income for retirement or other long-term life goals. Amounts invested in annuity portfolios are subject to fluctuation and market risk, including loss of principal. There are fees and charges associated with a variable annuity contract, which include, but are not limited to, operations charges, sales and withdrawal charges and administrative fees. The withdrawal charge declines from 6% to 3% over five years for Investment Edge®. Earnings are taxable as ordinary income when distributed and may be subject to an additional 10% federal tax if withdrawn before age 59 1/2.  Investment Edge® offers Income Edge, a feature that allows you to take income on a more tax efficient basis. Income Edge is available for no additional fee that allows investors in non-qualified contracts to elect a customized payment program. When elected, Income Edge is designed to pay out the entire account value via scheduled payments over a set period of time and a portion of each payment is a return of your cost basis and thus excludable from taxes.

This tax-free amount is calculated by dividing the remaining cost basis by the number of years in the payment period selected and will not change once calculated. After Income Edge election, withdrawals are fully taxable and in excess of the annual 10% free withdrawal amount will continue to be subject to a withdrawal charge if they are made during the withdrawal charge period. If the contract owner dies after Income Edge is elected, scheduled payments will continue to the beneficiary and any specified form of death benefit payout that you have selected will be invalidated. The Income Edge payment program does not represent a life contingent annuitization of the Investment Edge® contract. With a life contingent annuitization the account value is applied to provide periodic payments for life and the Investment Edge® contract and all its benefits terminate. A combination of adverse investment performance, additional withdrawals, and contract fees may reduce the payout period selected. The amount of payments available through the Income Edge program is re-determined on an annual basis, meaning that the amount of the payment may vary each year of the payout period.

Once you begin taking payments, you may not stop or increase your payment although the contract can be fully redeemed for the then current account value net of applicable withdrawal charges. There are additional restrictions and limitations including age restrictions and the payout period being limited to specific time periods. Please see the prospectus for more information including Investment Edge fees and charges.

If you are purchasing an annuity contract to fund an Individual Retirement Annuity (IRA) or employer­ sponsored retirement plan, you should be aware that such annuities do no 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.

S&P 500® Price Return Index — The S&P 500® Price Return Index includes 500 leading companies in leading industries of the U.S. economy, capturing 75% 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 Equitable. Structured Capital Strategies® 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®.

Russell 2000® Price Return Index — The 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 Equitable. 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.

Structured Capital Strategies and Investment Edge are sold by Prospectus only that contains complete information on expenses, fees and investment options. It should be read carefully before investing or sending money.

This content is not a complete description of all material provisions of the variable annuity contract.  Certain types of contracts, features and benefits may not be available in all jurisdictions.

Investment Edge® (July 2015 version) and Structured Capital Strategies® 16 (April 2017 version) are issued by Equitable Financial Life Insurance Company, New York, NY 10104.

Co-distributed by affiliates Equitable Advisors, LLC and Equitable Distributors, LLC, (members FINRA, SIPC). Annuities contain certain restrictions and limitations. For costs and complete details, contact a financial professional.

Policy form numbers: Structured Capital Strategies® 16 (April 2017 version): 2016SCSBASE-I-B-[A/B], 2016SCSBASE-I-C-[A/B], 2016SCSBASE-IADV-[A/B] and any state variations. Investment Edge® 15: ICC12IEBASE1, ICC13BASE2 and any state variations thereof.  Structured Capital Strategies® Series B contracts have a declining five-year withdrawal charge schedule (5%, 5%, 5%, 4%, 3%). Investment Edge® Series B contracts have a declining five-year withdrawal charge schedule (6%, 6%, 5%, 4%, 3%).

"Equitable" is the brand name of Equitable Financial Services, LLC and its family of companies, including Equitable Financial Life Insurance Company (NY,NY),  Equitable Advisors, LLC (member FINRASIPC), and Equitable Distributors, LLC (member FINRA, SIPC). The obligations of Equitable Financial Life Insurance Company are backed solely by their claims-paying ability.

For financial professional use.

GE-125783 (05/2017)