Perspectives on financial protection

Financial protection for resilient retirements

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Structured Capital Strategies® Income

Guaranteed income for life. Help your clients as they build their wealth and address market volatility.

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VUL Optimizer® with Long-Term Care ServicesSM Rider

One holistic strategy. Multiple levels of financial protection. Help grow and protect your clients’ assets with tax advantages and long-term care.

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Be your clients' financial architect

Design resilient retirement portfolios for taking income and protecting assets from costs of care to tax inefficiencies.

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Markets change. The need for protection does not

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VUL Optimizer®

By using an asset location strategy with VUL Optimizer®, you can help your clients have more control over their taxes when it’s needed most.

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Alliance for Lifetime Income

Read how 24 of the nation’s leading financial services organizations aim to address the risk of insufficient income after retirement.

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VUL Optimizer® and Structured Capital Strategies® Income are offered by prospectus, which contains more complete information about the contract, including investment objectives, risks, charges, expenses, limitations and restrictions. Your clients should read the prospectuses and consider the information carefully before purchasing a contract or sending money. VUL Optimizer® is a flexible premium variable life insurance policy issued in New York and Puerto Rico by Equitable Financial Life Insurance Company (Equitable Financial) NY, NY; and in all other jurisdictions by Equitable Financial Life Insurance Company of America (Equitable America), an Arizona stock corporation and is distributed by Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN) and Equitable Distributors, LLC, 1290 Avenue of Americas, NY, NY 10104. Equitable America is not licensed to conduct business in New York and Puerto Rico. When sold by New York state-based (i.e., domiciled) Equitable Advisors Financial Professionals, VUL Optimizer® is issued by Equitable Financial Life Insurance Company (NY, NY). VUL Optimizer® is a registered mark of Equitable Financial Life Insurance Company.

Actual terms and conditions of the LTCSR are contained in rider form #s: ICC19 R19 LTCSR, R19 LTCSR and state variations. This rider has exclusions and limitations and may not be available in all jurisdictions or may vary. The LTCSR has an additional cost and is subject to restrictions and limitations. Clients may qualify for life insurance, but not for the LTCSR. The LTCSR is paid as an acceleration of the death benefit.

Annuities contain certain restrictions and limitations. Structured Capital Strategies® Income (November 2021 version) variable annuity is issued by Equitable Financial (NY, NY). Co-distributors: Equitable Distributors, LLC and Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN).

This website does not offer or constitute investment advice and makes no direct or indirect recommendation regarding the appropriateness of any particular product or investment related option. 

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 and Equitable Distributors, LLC.

© 2021 Equitable Holdings, Inc. All rights reserved.

For financial professional use only. Not for distribution to the public.

GE-4961538.1 (10/2022) (Exp. 10/2024)