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Investment Edge® is a combination variable and fixed annuity. Structured Capital Strategies® (SCS) is a variable and index-linked deferred annuity that offers upside market performance potential with some downside protection. While SCS contract holders are protected from some downside risk, if the negative return is in excess of the Segment Buffer, there is a risk of substantial loss of principal. A variable deferred annuity is a long-term financial product that is designed for retirement purposes. In essence, it is a contractual agreement in which payments are made to an insurance company, which agrees to pay an income stream or lump-sum amount at a later date. There are contract limitations, fees and charges associated with variable deferred annuities, which include, but are not limited to, mortality and expense risk charges, withdrawal charges and administrative fees. For costs and complete details, your client should read the prospectus.
“VUL Optimizer Max” refers to the current VUL Optimizer Flexible Premium Variable Universal Life Insurance policy (VUL Optimizer) issued by Equitable Financial Life Insurance Company and Equitable Financial Life Insurance Company of America – it does not refer to a separate life insurance policy version, a new feature of the actual policy, or to any variation of the product in terms of its investment component. “Max” refers solely to a special standard plus underwriting class offered for VUL Optimizer.
All products are offered by prospectus. Investment Edge® and Structured Capital Strategies® are issued by Equitable Financial Life Insurance Company (NY, NY) (Equitable Financial); VUL Optimizer is issued in New York by Equitable Financial and outside of New York by Equitable Financial Life Insurance Company of America, an AZ stock corporation with main administrative office in Jersey City, NJ. Co-distributed by affiliates Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN) and Equitable Distributors, LLC.
Your clients should read the prospectus and carefully consider the charges, risks and investment objectives carefully before purchasing a variable annuity or variable life insurance policy.