Performance Cap Rates Segment Calendar

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. 

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® Premier, 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® Premier, Structured Capital Strategies® Income and Investment Edge® you invest to accumulate value on a tax-deferred basis in one or more of the Segments comprising the Structured Investment Option and/or in Variable Investment Options or Fixed Accounts, depending on the particular product.
 
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® Premier, 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. If a Participation Rate is not displayed, the Participation Rate for that Segment is 100%.

For Investment Edge® Series B and Select and Structured Capital Strategies® Premier 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 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. 

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.

Equitable Financial and Equitable America have sole legal responsibility to pay amounts they owe under the contract. An owner should look to the financial strength of Equitable Financial and Equitable America for their claims-paying abilities.

 
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® Premier, 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.

Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (NY, NY); Equitable Financial Life Insurance Company of 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). 

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® Premier contract form #s: Idaho contract form #s: ICC25-BASE3, ICC25-BASE3-Z, ICC25-BASE4, ICC25-BASE4-Z. All other states: ICC25-BASE3, ICC25-BASE3-Z, ICC25-BASE4, ICC25-BASE4-Z, 2025-BASE3, 2025-BASE3-Z, 2025-BASE4, 2025-BASE4-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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