Structured Capital Strategies PLUS® Variable Annuity

An indexed variable annuity that offers a level of protection and growth potential

Structured Capital Strategies PLUS variable index-linked deferred annuity

Build a retirement strategy that can deliver through market ups and downs

With levels of downside protection and options for locking in growth, our Structured Capital Strategies PLUS® indexed variable annuity can be customized to complement a variety of investment styles.

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For financial professionals only. If you are an individual investor please contact your financial professional for more information.

A flexible indexed variable annuity with a level of downside protection and opportunities to locked-in growth

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Ease concerns about volatile markets
Choose a level of downside protection, up to 20%, with our Segment Buffer options.
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Maximize growth opportunities
Make money in any market scenario — even when markets are flat or down.
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Make the most of flexible options
Customize a retirement strategy by selecting an index, time frame and protection level. Plus change an investment before maturity.

With zero explicit fees, clients can keep more of their money working for them with Structured Capital Strategies PLUS® indexed variable annuity.1

Structured Investment Options (SIOs) create more opportunities for growth

There’s an SIO for every market scenario

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Learn more about how our SIOs work 

How SIO works tool

Get all the tools and resources you need

Structured Capital Strategies PLUS - How SIO works
How SIO works

Explore SIO scenarios and add them to a custom report.

Structured Capital Strategies PLUS - Market History
Market history

Select market history scenarios that match your SIO design.

Structured Capital Strategies PLUS - Learning Resources
Learning resources

Educate clients with client-approved marketing materials.

Structured Capital Strategies PLUS - Custom digital report
Custom digital report

Create a personalized report by adding custom scenarios and learning resources.

Structured Capital Strategies PLUS - Performance cap rates
Performance Cap Rates

See the highest Segment Rate of Return to understand clients’ earning potential.

Structured Capital Strategies PLUS - Prospectus
Prospectus

Understand all the important information, including fees, risks, options and more.

Here's how it works

Video transcript:

What does retirement look like to you? Maybe you're traveling across the world or picking up a new hobby, or maybe it's just some much deserved downtime. Either way, we all want the same thing: to know that our investment for retirement has a level of protection when the market is bad and has the opportunity to grow when the market is good. Retirement investing, though a smart option for many also comes with unpredictability, which is why planning for retirement is important to meet your needs. You know you can't risk everything and you can't protect everything, but there is a way that you can have some of both. Structured Capital Strategies PLUS® variable and index linked deferred annuity offers some downside protection up to 20% of investment losses and allows you to take advantage of market growth potential. Curious about how it works? We'll break it down for you. You can invest in Structured Capital Strategies PLUS® through the Structured Investment Option. Unlike an index fund, this way of investing tracks the performance of an index as we promise to provide a level of downside protection and help take advantage of market growth potential. With this type of investment, you can choose a level of protection against losses, so when the market goes down, you can protect up to 20% of your investment. Plus, you'll know upfront exactly how much you could gain based on a predetermined Performance Cap Rate, which is the highest rate of return you can get after different durations, depending on Standard, Annual Lock and Dual Direction Segments, all of which adds up to more control over your investments and your future. Who doesn't like the sound of that? And there's more. There are no explicit fees in the Structured Investment Option. Expenses related to administration, sales and the Segment Type Holding Account are built in when establishing the Performance Cap Rate, which means you'll get to lower your overall portfolio costs since no explicit fees apply to the portion of your portfolio that is invested in this option, and you'll get to defer paying taxes until you decide to withdraw your money. Here's how it works. It's a simple three-step process. First, you'll choose what you want to invest in.
Second, you'll choose an investment strategy, and third, you'll select an investment protection level called a buffer. Now, when you're choosing a level of protection, what you're essentially doing is partially protecting your investments from market volatility by creating a buffer to minimize potential losses. Let's say you choose a 20% buffer. If the market goes down, you don't have to worry about losing any money up to 20%. That's because the Segment Buffer will absorb the loss for you unless the negative return exceeds the Segment Buffer, in which case there could be loss, since principal guarantee feature is not included and your buffer is balanced out by a performance cap, meaning your investment has the potential to grow up to a certain point depending on the size of the buffer. In other words, more protection from losses means a lower performance cap. Less protection means a higher performance cap. We understand that everyone's different, so that's why we've made this program customizable. When it comes to an investment strategy, you have options depending on how long you'd like to track the performance at a given time. There are three different strategies that let you participate in potential market growth. With Standard Segments, you can choose to partially protect your investment against up to 20% loss in a volatile market for a six-year maturity duration, and you can still invest in indices of your choice for potential growth up to a performance cap. The second investment strategy is called the Annual Lock Segments. With this option, you'll be partially protected against up to 10% loss each year and will still be able to lock in potential gains up to a cap. Additionally, the Performance Cap Rate does not change throughout the six years, so you can have confidence knowing from the beginning what growth potential you can have every year. The third investment strategy is called the Dual Direction Segments. With Dual Direction Segments, you have the opportunity to make money when the S&P 500 is both up and down, it lets you lock in potential growth that tracks the S&P 500 up to a cap that's set up front. When the index goes down, your investment will receive a positive return of the same percentage for loss up to and inclusive of -15% at six-year maturity. If the benchmark index shows a loss of more than the Segment Buffer you elected, you can still stay confident because you receive a level of protection against loss up to -15%. Lastly, when it comes to choosing where to invest your money, there are options that range from U.S. corporations, both big and small, to international markets. As you can see, there are a lot of options with Structured Capital Strategies PLUS®, and we made it that way, so you can achieve a level of confidence with your investment. Reaching your retirement goals is made all the more possible when you have partial downside protection from losses. So whether you see yourself visiting Rome, taking a pottery class, or lounging in a hammock, no matter where you are, retire with confidence knowing that your investments have a built-in level of protection.

#1 RILA (Registered Index-Linked Annuity) based on sales - 2023 based solely on year-end 2023 total sales. This ranking does not reflect or account for investing performance, product quality, or other criteria. Source: Secure Retirement Institute U.S. Individual Sales Survey, 2024.

Another innovative retirement strategy from an industry leader

We invented the Registered Index-Linked Annuity (RILA) in 2010, and financial professionals like you have helped us reach #1 in RILA sales 13 times in 14 years.*

* This information is based solely upon and up to year-end 2023 total sales. This ranking does not reflect or account for investment performance, product quality or other criteria. Source: Secure Retirement Institute U.S. Individual Annuities Sales Survey, 2024.  GE-6422223.1 (Exp. 3-25)

We’re here to help you build your business

Create customized retirement strategies that offer growth opportunities and a level of downside protection with our support.

Visit our microsite or call (888) 517-9900
Monday–Friday, 8 a.m.–7 p.m. ET

For financial professionals only. Individual investors should contact your financial professional for more information. 

1 Expenses related to administration, sales and certain risks in the contract are factored into the Performance Cap Rate. If the optional Return of Premium Death Benefit is chosen, fees and charges will apply.

Structured Capital Strategies PLUS® is a variable and index-linked deferred annuity contract. 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 PLUS® contract. This must be preceded or accompanied by a current Structured Capital Strategies PLUS® prospectus, which contains detailed information about the Structured Capital Strategies PLUS® 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 Ml & 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 PLUS® variable annuity is issued by Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company. 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 PLUS® 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 Life Insurance Company (Equitable Financial) (NY, NY); Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company; and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN).

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. Variable Annuities: Are Not a Deposit of Any Bank • Are Not FDIC Insured • Are Not Insured by Any Federal Government Agency • Are Not Guaranteed by Any Bank or Savings Association • May Go Down in Value

© 2023 Equitable Holdings, Inc. All rights reserved.

GE-5970980.2 PFS (11/2023) (Exp. 10/2025)