Structured Capital Strategies® Premier disclosure

Important information

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 Structured Capital Strategies PLUS^®.

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. Non-diversified 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.

Best Entry Segment — Helps address concerns about market timing. With Best Entry Segments, we compare the Index’s value on the first four monthiversaries of the Segment Start Date to the value on the Segment Start Date and whichever date has the lowest Index value becomes the Best Entry Date. We then determine the Best Entry Index Starting Value which is the greater of the Index’s value at the close of business on the Best Entry Date or the Best Entry Reset Limit (80% of the Index’s value on the Segment Start Date). The contract fee is deducted as part of the Segment Rate of Return calculation.

Dual Direction Segment — Offers the potential for positive returns in two ways: growth potential when index performance is up and growth within the Segment Buffer. Your investment will receive a positive return of the same percentage, less the contract fee, if the benchmark index shows a loss that is up to and inclusive of the chosen Segment Buffer at maturity. If the chosen benchmark index is negative and below the buffer, the Segment Buffer will absorb up to 40% of loss, depending on the Segment Buffer you elect, less the contract fee. Six-year Dual Direction Segments may include a participation rate greater than 100% for enhanced growth potential when the index performance rate is positive, up to the Performance Cap Rate.

Dual Step Up Segment — Offers a guaranteed return that is equal to the Performance Cap Rate, less the contract fee, if the index performance is equal to or greater than the Segment Buffer when the Segment matures. If the chosen benchmark index is negative and below the buffer, the Segment Buffer will absorb up to 40% of loss, less the contract fee, depending on the Segment Buffer you elect.

Dual Step Tier Segment — Offers a guaranteed return that is equal to the Step Rate, less the contract fee, if the index performance is between the Segment Buffer and the Step Rate when the Segment matures. If the index return is greater than the Step Rate, take advantage of growth up to the Performance Cap Rate, less the contract fee. If the index performance is negative and below the buffer, the Segment Buffer will absorb up to 20% of loss, less the contract fee, depending on the Segment Buffer you elect.

Enhanced Upside 125% Segment — Offers the potential for an enhanced return up to the Performance Cap Rate, less the contract fee, if the index performance is positive. The Segment Rate of Return is equal to the lesser of the Performance Cap Rate or the index performance rate multiplied by the Participation Rate, less the contract fee, if the index performance rate is positive. If the chosen benchmark index performance is negative, the Segment Buffer will absorb up to 10% of loss, less the contract fee.

Performance Cap Rate — The highest index performance rate that can be used to calculate the Segment Rate of Return on the Segment Maturity Date. The Performance Cap Rate is not an annual rate of return. The Performance Cap Rate is a limit on gains.

Standard Segment — If the index performance is up, you can capture growth up to the Performance Cap Rate, less the contract fee. Six-year Standard Segments may include a participation rate greater than 100% for enhanced growth potential when the index performance rate is positive, up to the Performance Cap Rate. If the chosen benchmark index performance is negative, the chosen Segment Buffer will absorb up to 40% of loss, less the contract fee.

Step Up Segment — Offers a guaranteed return that is equal to the Performance Cap Rate, less the contract fee, if the index performance is equal to or greater than zero when the Segment matures. If the chosen benchmark index performance is negative, the Segment Buffer will absorb up to 40% of loss, less the contract fee, depending on the Segment Buffer you elect.

Segment Buffer — The portion of any negative index performance rate that the Segment Buffer absorbs on a Segment Maturity Date or each Annual Lock Anniversary for a particular Segment. Any percentage decline in a Segment’s index performance rate in excess of the Segment Buffer reduces your Segment Maturity Value and any Annual Lock Anniversary Ending Amount.

History May Be a Guide Important Information: % of times return was greater than Segment Buffer — This row shows the percentage of times a rolling monthly index return occurred above -10%, -15%, -20% or -40%. Average Return — A simple average of a series of returns generated over the given period of time. Past performance is no guarantee of future results. Individuals cannot invest directly in an index. This data does not represent the performance of any specific investment. The Segment Rate of Return will differ from that of the performance shown above due to the Performance Cap Rate and level of downside protection.  

Transfers or withdrawals during a Segment — The Segment Interim Value is the value of your investment prior to the Segment Maturity Date, and it may be lower than your original investment in the Segment even where the index is higher at the time of the transfer or withdrawal prior to maturity.  A transfer or withdrawal from the Segment Interim Value may be lower than your Segment Investment and may be less than the amount you would have received had you held the investment until the Segment Maturity Date.

Prior to the Segment Maturity Date you will not receive the full potential of the Performance Cap since the participation in upside performance for early withdrawals is pro-rated 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. If the optional rider is elected, the Segment Interim Value reflects the rider charge.

Variable annuities are sold by prospectus only, which contains more complete information about the policy, including risks, charges, expenses and investment objectives. You should review the prospectus carefully before purchasing a policy. Contact your financial professional for a copy of the current prospectus. 

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.

Structured Capital Strategies® Premier is a variable and index-linked deferred annuity contract and a long-term financial product designed for retirement purposes. Equitable Financial and Equitable America, upon advance notice to the investor, may discontinue, suspend or change contributions and transfers into investment options or make other changes in contribution and transfer requirements and limitations. Equitable Financial and Equitable America, upon advance notice to the investor, reserves the right to discontinue, suspend or change Segment offerings. Certain features and benefits described herein may not be available in all jurisdictions. In addition, some distributors may eliminate and/or limit the availability of certain features or options, based on annuitant issue age or other criteria.​

This page does not cover all material provisions of the Structured Capital Strategies® Premier contract. This must be preceded or accompanied by a current Structured Capital Strategies® Premier prospectus, which contains detailed information about the Structured Capital Strategies® Premier contract, including risks, charges, expenses, investment objectives, limitations and restrictions. Investors should carefully read the prospectus before purchasing a contract. You can access the prospectus through the tools and resources section. Investors purchasing an annuity contract as an Individual Retirement Account (IRA) should be aware that such annuities do not provide tax-deferral benefits beyond those already provided by the Internal Revenue Code. Before purchasing one of these annuities, investors should consider whether its features and benefits beyond tax deferral meet their needs and goals. They may also want to consider the relative features, benefits and costs of these annuities with any other investment that they may use in connection with their retirement plan or arrangement.​

Equitable Financial and Equitable America may at any time exercise their rights to discontinue, suspend or change acceptance of contributions/transfers, as well as change minimum and maximum contribution requirements and limitations. Please see the prospectus and supplemental materials for details. ​

Not all types of contracts, features and benefits are available in all jurisdictions and all markets. We offer other variable annuity contracts with different fees, charges and features. 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.​

When distributed outside of New York state by Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN) through Equitable Advisors Financial Professionals whose business address is not in New York state, or when distributed by Equitable Distributors, LLC through financial professionals of unaffiliated broker-dealers when the solicitation state is not New York, Structured Capital Strategies® Premier variable annuity is issued by Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company with an administrative office located in Charlotte, NC. When offered by Equitable Advisors Financial Professionals whose business address is in New York state, or when distributed by Equitable Distributors, LLC through financial professionals of unaffiliated broker-dealers when the solicitation state is New York, Structured Capital Strategies® Premier is issued by Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY). The obligations of Equitable America and Equitable Financial are backed solely by their own claims-paying abilities. ​​

Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial, Equitable America 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® is a registered service mark of Equitable Financial Life Insurance Company (NY, NY). ​

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.

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