Equitable Advantage Maxsm

Life insurance that can be a valuable part of your overall retirement income strategy.

Equitable Advantage Maxsm can be a smart addition to your portfolio that provides tax-deferred growth, potential tax-free income and an income tax-free death benefit. It can help you live more for today, keep more of the money you earn and build more for tomorrow.
Want more details on how this product may help you? Talk to a financial professional

 Under current federal tax rules, you generally may take income-tax-free partial withdrawals under a life insurance policy that is not a Modified Endowment Contract (MEC) up to your basis in the contract. Additional amounts are includible in income. The IRS places a limit on how much money can go into life insurance premiums for the policy and how quickly such premiums can be paid in order for the policy to retain all of its tax benefits. If certain limits are exceeded, a MEC results. MEC policyholders may be subject to taxes on distributions to the extent there is gain in their policy and penalties on any taxable amount if they are not 59½ or older. Loans taken will be free of current income tax as long as the policy remains in effect until the Insured's death, does not lapse, and is not a Modified Endowment Contract.

Equitable Advantage Maxsm is an Equitable Advantagesm policy with a select underwriting class. Equitable Advantage Maxsm allows potential insureds to qualify for a select underwriting class without labs, exams or attending physician statement (APS). Traditional underwriting that may require additional items or information, such as labs, exams or APS is also available, which may result in a better or worse underwriting class.

Equitable Advantage Maxsm variable universal life insurance is offered by prospectus. This information must be accompanied by a current prospectus, which contains more information about the policy including risks, charges, expenses and investment objectives. You should read the prospectus and consider the information carefully before purchasing a policy.

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. Market Stabilizer Option® II rider 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 the Market Stabilizer Option® II rider.

This document is not a complete description of Equitable AdvantagesmThe prospectuses contain more complete information including investment objectives, risks, charges and expenses. Please read the attached prospectus contained in the tab below and consider the information carefully before purchasing or sending money.

2  Optional riders and features may not be available in all states. Terms and conditions may vary by state. All riders have restrictions and limitations. Read your prospectus and discuss with your financial professional for more detailed information. 

Please note that outstanding loans accrue interest. Income-tax-free treatment also assumes the loan will eventually be satisfied from income-tax-free death benefit proceeds. Loans and withdrawals reduce the policy’s cash value and death benefit and increase the chance that the policy may lapse. If the policy lapses, is surrendered or becomes a MEC, the loan balance at such time would generally be viewed as distributed and taxable under the general rules for distribution of policy cash values.

Guarantees are based on the claims-paying ability of the issuing insurance company either Equitable Financial Life Insurance Company or Equitable Financial Life Insurance Company of America. The guarantees do not apply to the investment portfolios.

Life insurance is subject to exclusions, limitations, and terms for keeping it in force. Your financial professional can provide you with costs and complete details.

Equitable Advantage Maxsm is a flexible premium variable life insurance policy issued in New York and Puerto Rico by Equitable Financial Life Insurance Company (Equitable Financial), New York, 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 and TN) and Equitable Distributors, LLC, NY, NY. 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 Advisor financial professionals, Equitable Advantage Maxsm is issued by Equitable Financial Life Insurance Company (New York, NY). Equitable Financial and Equitable America are separate companies, and each insurance company has sole responsibility for its life insurance obligations.

Please be advised that this content is not intended as legal or tax advice. Accordingly, any tax information provided is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer. The tax information was written to support the promotion or marketing of the transaction(s) or matter(s) addressed and you should seek advice based on your particular circumstances from an independent tax advisor.

Certain types of contracts, features and benefits may not be available in all jurisdictions or may be different.

This is not a complete description of the Equitable Advantage Maxsm contract.

Market Stabilizer Option® is a registered service mark of Equitable Financial Life Insurance Company.

Equitable Advantagesm is a service mark of Equitable Financial Life Insurance Company. Policy form #s ICC21-100, 21-100 or state variations.

Market Stabilizer Option® II Indexed Options form #R22-VIOS or state variations.

Throughout this website "Equitable" is referenced. In some cases, this is representative of both Equitable Financial Life Insurance Company (Equitable Financial) and Equitable Financial Life Insurance Company of America (Equitable America), which are affiliated companies.

GE-6156222.1 (12/2023) (Exp. 12/2025)