Investment Edge® Variable Annuity

Diversify. Defer taxes. Distribute payments.

Investment Edge® helps potentially grow wealth and keep more earnings in four key ways.

Robust investment option line-ups – access 120+ traditional and alternative investment options, including packaged portfolios. Or build a customized portfolio with access to well-known investment managers. As investment gains and losses can change the balance of a portfolio's asset allocation over time, Investment Edge® allows regular cost-and tax-free portfolio rebalancing to help maintain an intended diversification.

Tax deferral allows investment earnings to potentially grow tax-deferred, which means taxes on earnings are not due until you’re ready to begin taking withdrawals for retirement.

Tax-efficient distributions take advantage of a customizable payment feature, Income Edge, available in nonqualified contracts for no additional fee. Income Edge payment plans allow you to maximize tax-efficient distribution in the early years of retirement (assuming there are gains).

Death Benefit to build a family legacy while also accessing a robust investment option lineup.

Work with a financial professional for guidance on a potential investment strategy that is appropriate for you.

Learn more about Investment Edge.

The Investment Edge® variable annuity is a tax-deferred financial product designed to allow you to invest for growth potential and provide income for retirement or other long-term life goals. Amounts invested in annuity portfolios are subject to fluctuation and market risk, including loss of principal. There are fees and charges associated with a variable annuity contract, which include, but are not limited to, operations charges, sales and withdrawal charges and administrative fees. The withdrawal charge declines from 6% to 3% over five years for Investment Edge®Series B. Earnings are taxable as ordinary income when distributed and may be subject to an additional 10% federal tax if withdrawn before age 59½.

Investment Edge® offers Income Edge, a feature that allows you to take income on a more tax efficient basis. Income Edge is available for no additional fee and allows investors in non-qualified contracts to elect a customized payment program. When elected, Income Edge is designed to pay out the entire account value via scheduled payments over a set period of time and a portion of each payment is a return of your cost basis and thus excludable from taxes.

This tax-free amount is calculated by dividing the remaining cost basis by the number of years in the payment period selected and will not change once calculated. After Income Edge election, withdrawals are fully taxable, and withdrawals in excess of the annual 10% free withdrawal amount will continue to be subject to a withdrawal charge if they are made during the withdrawal charge period. If the contract owner dies after Income Edge is elected, scheduled payments will continue to the beneficiary and any specified form of death benefit payout that you have selected will be invalidated. The Income Edge payment program does not represent a life contingent annualization of the Investment Edge® contract. With a life contingent annuitization the account value is applied to provide periodic payments for life and the Investment Edge® contract and all its benefits terminate. A combination of adverse investment performance, additional withdrawals, and contract fees may reduce the payout period selected. The amount of payments available through the Income Edge program is re-determined on an annual basis, meaning that the amount of the payment may vary each year of the payout period.

Once you begin taking payments, you may not stop the payments. You can take additional withdrawals, subject to ordinary income tax, and the contract can be fully redeemed for the then current account value net of applicable withdrawal charges. There are additional restrictions and limitations including age restrictions and the payout period being limited to specific time periods. Please see the prospectus for more information including Investment Edge® fees and charges.

If you are purchasing an annuity contract to fund an Individual Retirement Annuity (IRA) or employer-sponsored retirement plan, you should be aware that such annuities do no provide tax-deferral benefits beyond those already provided by the Internal Revenue Code. Before purchasing one of these annuities, you should consider whether its features and benefits beyond tax deferral meet your needs and goals. You may also want to consider the relative features, benefits and costs of these annuities with any other investment that you may use in connection with your retirement plan or arrangement. This content is not a complete description of all material provisions of the variable annuity contract. There are certain contract limitations and restrictions associated with an Investment Edge® contract. For costs and complete details of coverage, speak to your financial professional/insurance licensed registered representative. Certain types of contracts, features and benefits may not be available in all jurisdictions. Equitable Financial offers other variable annuity contracts with different fees, charges and features.

Not every contract is available through the same selling broker/dealer. This is not a complete description of Investment Edge®. Annuities are subject to certain restrictions and limitations.  For costs and complete details, contact a financial professional.  This content was prepared to support the promotion and marketing of Equitable Financial Life Insurance Company variable annuities. Equitable Financial Life Insurance Company, its distributors and their respective representatives do not provide tax, accounting or legal advice. Any tax statements contained herein were not intended or written to be used, and cannot be used, for the purpose of avoiding U.S. federal, state or local tax penalties. Please consult your own independent advisors as to any tax, accounting or legal statements made herein.

Investment Edge® is issued by Equitable Financial Life Insurance Company (Equitable Financial), New York, NY 10104.

Co-distributed by affiliates Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN) and Equitable Distributors, LLC.

Contract Form #s: ICC13IEBASE1 and ICC13IEBASE2 and any state variations

GE-3146123  (07/2020) (Exp. 07/2022)