Equitable Variable Annuity Performance Cap Rates

Some products, share classes and Segments may not be available in all firms and jurisdictions. For definitions of each Segment and product features, please refer to the applicable product Prospectus and/or Fact Card in the resources section.
 
You are protected against some downside risk but if the negative return is in excess of the Segment Buffer there could be substantial loss of principal because you agree to absorb all losses to the extent they exceed the protection provided.

In order to participate in the Segment offering, funds must be in the account on the Segment Start Date provided that all participation requirements are met.
 
The Performance Cap Rates for your contract are based on the current cap rates. If the Performance Cap Rate Hold option is available for the product and is elected, the Performance Cap Rates in effect at the time your application is received by Equitable will be applied to all Segments starting on or before the Rate Hold Expiration Date.
 
"N/A" indicates that the Segment was not offered/suspended. Equitable will suspend a Segment if the Performance Cap Rate on the Segment Start Date would be less than the minimum.

Index Descriptions

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 the product.

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.

MSCI EAFE Price Return Index — The MSCI EAFE Price Return Index is a free float-adjusted market capitalization index that is designed to measure the equity market performance of developed markets, excluding the United States and Canada. The MSCI EAFE Price Return Index does not include dividends declared by any of the companies included in this index. International securities carry additional risks, including currency exchange fluctuation and different government regulations, economic conditions and accounting standards. The product referred to herein is not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such product or any index on which such product is based. The prospectus contains a more detailed description of the limited relationship MSCI has with the company and any related products.

NASDAQ 100^® Price Return Index — The NASDAQ 100^® Price Return Index includes 100 of the largest domestic and international non-financial securities listed on The NASDAQ Stock Market based on market capitalization. The index reflects companies across major industry groups, including computer hardware and software, telecommunications and biotechnology. Nondiversified investing may be focused in a smaller number of issues or one sector of the market that may make the value of the investment more susceptible to certain risks than diversified investing. The NASDAQ 100^® Price Return Index does not include dividends declared by any of the companies included in this index.

MSCI Emerging Markets Price Return Index — The MSCI Emerging Markets Price Return Index is a free float-adjusted market capitalization index that is designed to measure equity market performance of emerging markets. International securities carry additional risks, including currency exchange fluctuation and different government regulations, economic conditions and accounting standards.

EURO STOXX 50^® — The EURO STOXX 50^® Index provides a blue-chip representation of super sector leaders in the Eurozone. The Index covers 50 stocks from Eurozone countries. The EURO STOXX 50^® Price Return Index does not include dividends declared by any of the companies included in this Index. The EURO STOXX 50^® is the intellectual property (including registered trademarks) of STOXX Ltd., Zug, Switzerland (STOXX), Deutsche Börse Group or their licensors, which is used under license. The Product is neither sponsored nor promoted, distributed or in any other manner supported by STOXX, Deutsche Börse Group or their licensors, research partners or data providers and STOXX, Deutsche Börse Group and their licensors, research partners or data providers do not give any warranty, and exclude any liability (whether in negligence or otherwise) with respect thereto generally or specifically in relation to any errors, omissions or interruptions in the EURO STOXX 50^® index or its data.
 
Important Information
 
"Equitable" refers broadly to Equitable Financial Life Insurance Company (NY, NY) and to Equitable Financial Life Insurance of America, an AZ stock company, issuers of variable annuity products depending on the particular contract and its distributor.
 
Structured Capital Strategies PLUS^®, Structured Capital Strategies^® Income and Investment Edge^® are variable and index-linked deferred annuity contracts and are long-term financial product designed for retirement purposes. Simply stated, an annuity is a contract between you and an insurance company that lets you pursue the accumulation of assets. You may then take payments or a lump sum amount at a later date. In Structured Capital Strategies PLUS^®, Structured Capital Strategies^® Income and Investment Edge^® you invest to accumulate value on a tax-deferred basis in Variable Investment Options and/or in one of the Segments comprising the Structured Investment Option.
 
There are Variable Investment Options available with this product that are not discussed in this material. Any withdrawal charge applicable to your Variable Investment Options, Segment Type Holding Account or Structured Investment Option will be reflected in the cash value upon surrender and certain withdrawals. Information on Structured Capital Strategies PLUS^®, Structured Capital Strategies^®, Structured Capital Strategies^® Income and Investment Edge^® fees and charges can be found in the accompanying prospectus and fact card.
 
Prior to the Segment Maturity Date, you will not receive the full potential of the Performance Cap Rate since the participation in upside performance for early withdrawals is prorated based on the period those amounts were invested in a Segment. Generally, you will not receive the full protection of the Segment Buffer prior to the Segment Maturity Date, because the Segment Interim Value reflects a portion of the downside protection expected to be provided on the Segment Maturity Date. There is a risk of a substantial loss of your principal because you agree to absorb all losses to the extent they exceed the protection provided by the Structured Investment Option at maturity. The participation rate is 100% for all Segments.
 
For Investment Edge^® Series B and Select: The Contract Fee is charged against each Segment’s Rate of Return.  The Contract Fee is part of the Segment Rate of Return calculation. For Standard Segments, the Contract Fee is subtracted from the Index Performance Rate (IPR) subject to the Performance Cap Rate and Segment Buffer. For Step Up Segments, if the IPR is greater than or equal to zero, the Contract Fee is subtracted from the PCR and if the IPR is negative, the Contract Fee is subtracted from the IPR subject to the Segment Buffer. For Dual Direction Segments, if the IPR is positive or negative but within the Segment Buffer, the contract fee is subtracted from the absolute value of the IPR or PCR, where applicable. For negative returns beyond the Segment Buffer, the contract fee is deducted from the IPR subject to the Segment Buffer. Refer to the “Contract Fee” section of the Fact Card for the applicable contract series in the Resources tab for more details.  For any particular Segment, we may set a Performance Cap Rate applicable to allocations under new Contracts that is different than the Performance Cap Rate applicable to allocations under existing Contracts.
 
For Structured Capital Strategies PLUS^® Series B: Withdrawals may be subject to contractual withdrawal charges. The contractual withdrawal charge declines from 7% over a six-year period for the Structured Capital Strategies PLUS^® 21. Withdrawal charges may be waived under certain circumstances. Note: a new withdrawal charge schedule will apply to each contribution as of the date received by the issuing life insurance company. Negative consequences may apply if for any reason amounts invested in a Segment are removed before the Segment Maturity Date. If you withdraw during a Segment, the Segment Interim Value is the value of your investment prior to the Segment Maturity Date. The Segment Interim Value may be lower than your original investment in the Segment even where the index is higher at the time of the withdrawal, prior to maturity, than at the time of the original investment. See Segment Interim Value in the Fact Card. Partial withdrawals are permitted.
 
For Structured Capital Strategies PLUS^® Series Select and ADV: There is no withdrawal charge.
 
Unless otherwise requested withdrawals are taken in the following order on a pro-rata basis: 1. Variable Investment Options (VIOs), 2. Segment Type Holding Account(s), 3. Segment(s). An additional 10% federal income tax penalty may also apply to withdrawals taken before age 59½.
 
Equitable Financial and Equitable America may discontinue contributions to, and transfers among, investment options, or make other changes in contribution and transfer requirements and limitations. Transfers are not allowed into Segment Types. Equitable Financial and Equitable America may suspend or discontinue a new Segment at any time.
The taxable portion of any withdrawal from an annuity contract is ordinary income, not capital gain. Distributions taken prior to annuitization are generally considered to come from the gain in the contract first. If the contract is tax-qualified, generally all withdrawals are treated as distributions of gain. Withdrawals of gain are taxed as ordinary income and, if taken prior to age 59½, may be subject to an additional 10% federal tax.
 
Certain types of contracts and features will not be available in all jurisdictions. Annuities contain limitations and restrictions. We offer other variable annuity contracts with different fees, charges and features.  For costs and complete details of coverage, speak to your financial professional. 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.
 
This content is not a complete description of all material provisions of the variable annuity contracts. In order to fully understand each variable annuity product and how it works, this material must be preceded or accompanied by a prospectus and any applicable supplements. The prospectus contains more complete information, including investment objectives, risks, charges, expenses, limitations and restrictions. Please read the prospectus and any applicable supplements and consider this information carefully before purchasing a contract.

 
Unlike an index fund, the Structured Investment Option 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. The Structured Investment Option does not involve an investment in any underlying portfolio. Instead, it is an obligation of the issuing life insurance company.

If you are purchasing an annuity contract to fund an IRA or employer-sponsored retirement plan, you should understand that such annuities do not provide tax-deferral benefits beyond those already provided by the Internal Revenue Code.
It is important to know that variable annuities are subject to investment risks, including the possible loss of principal invested. Withdrawals from your contract value may be subject to withdrawal charges for Structured Capital Strategies PLUS^® , Structured Capital Strategies^® Income and Investment Edge^®. The taxable portion of any withdrawal from an annuity contract is ordinary income, not capital gain.
Variable annuity products are issued by Equitable Financial Life Insurance Company (Equitable Financial) and Equitable Financial Life Insurance Company of America (Equitable America) and co-distributed by affiliates Equitable Distributors, LLC and Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN). Equitable Financial, Equitable America, Equitable Distributors and Equitable Advisors do not provide tax or legal advice.
 
Structured Capital Strategies PLUS^® contract form #s: 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. Structured Capital Strategies^® Income contract form #s: 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. Investment Edge^® 21 contract form #s: Idaho contract form #s: 2021BASE2-B(ID)-Z. All other states contract form #s: 2021BASE2-A-Z,2021BASE2-B-Z and any state variations. Structured Capital Strategies^® contract form #s: 2016SCSBASE-I-B-[A/B], 2016SCSBASE-I-C-[A/B], 2016SCSBASE-I-ADV-[A/B] and any state variations.

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