Structured Capital Strategies® Plus

Structured Capital Strategies PLUS® variable annuity can help an investor prepare for retirement while easing concerns about uncertainties in the market.*

Features and benefits

Structured Capital Strategies PLUS® adapts to your unique investment style and offers a path through market ups and downs with partial downside protection, upside potential and zero explicit fees.*

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Partial protection

Partially protects you from the ups and downs of the market by providing access to levels of downside protection up to 20%.

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Growth opportunities

You can lock in potential growth, that tracks your chosen benchmark index, up to a cap.

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Customized to needs

Design a strategy that's right for you by choosing an index to be tracked and setting the level of protection.

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*Expenses related to administration, sales and certain risks in the contract are factored into the Performance Cap Rate. As long as your money is invested in the Structured Investment Option to take advantage of the buffer against some loss and potential for growth up to the cap, you will not be charged additional fees. If you choose the optional Return of Premium Death Benefit, or invest your money in a Variable Investment Option, fees and charges will apply.

How Structured Capital Strategies PLUS® works

The Standard Segment is an option for putting Structured Capital Strategies PLUS® to work for you. You can lock in potential growth that tracks your chosen benchmark index, up to a cap. At the same time, the built-in downside buffer offers protection against some loss. You choose the level of protection that gives you confidence for the 1 and 6-year period your money is invested — knowing that even when the benchmark index goes down, your initial investment is partially protected against that level of loss.

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6 year standard segment duration table

See our Performance Cap Rates or explore our new Retirement Guide web-app and iPad app to find your best match investor profile match.

About Structured Capital Strategies PLUS®

Equitable understands that no two investors are alike. There are different goals, needs, and appetites for risk. That’s why the one-size-fits-all approach may not work when planning for retirement.

The Structured Capital Strategies PLUS® annuity adapts to your unique investment styles so individual retirement goals on your terms can be addressed.

Structured Capital Strategies PLUS® allows small steps to be taken towards reaching retirement goals by providing:

Partial protection

Investors may feel more confident in their long-term retirement plan by limiting how much they’re willing to lose by providing access to levels of downside protection up to 20%, with certain indices. 

Growth opportunities

Investors can keep their money at work while limiting potential loss. Structured Capital Strategies PLUS® allows you to participate in the performance of indices, like the S&P 500 Price Return index and the Russell 2000 Price Return index, up to a set Performance Cap Rate (the maximum amount you’ll get from index gains) while limiting your potential loss

Customized to fit investor needs

 Start learning about Structured Capital Strategies PLUS®. Consider the index to be tracked and the level of protection.

 Click to get started 

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Equitable believes that education is a key step toward addressing your financial goals, and we've designed this material to serve simply as an informational and educational resource.  Accordingly, the information in this content does not offer or constitute investment advice and makes no direct or indirect recommendation of any particular product or of the appropriateness of any particular investment-related option.  Your needs, goals and circumstances are unique, and they require the individualized attention of your financial professional. 

Structured Capital Strategies PLUS® is a variable and index-linked deferred annuity contract. Equitable Financial Life Insurance Company, 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 Life Insurance Company, upon advance notice to the investor, reserves the right to discontinue, suspend or change Segment offerings. Certain types of contracts and features will not be available in all jurisdictions. Check with your Financial Professional to see if Structured Capital Strategies PLUS® is available in your state.

This application does not cover all material provisions of the Structured Capital Strategies PLUS® contract. This application 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. You should carefully read the prospectus before purchasing a contract. You can access the prospectus by tapping on the Prospectus tab in the navigation bar at the bottom of the screen. If you are purchasing an annuity contract as an Individual Retirement Account (IRA), you 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, 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.

Equitable Financial Life Insurance Company may at any time exercise its 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. 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.

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 Equitable Financial Life Insurance 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 Equitable Financial Life Insurance 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. 

The Structured Capital Strategies PLUS® Return of Premium Death Benefit rider is offered to ages between 0 and 75, with the maximum contribution age set at 75. You cannot terminate the Return of Premium Death Benefit once you elect it. The Return of Premium Death Benefit fee is equal to an annual rate of 0.20% for all segments for Structured Capital Strategies PLUS® and Variable Investment Options. The rider charges are reflected in the Segment Interim Value. The fee is deducted from Structured Investment Option based on the segment investment amount. The death of the reference life on a contract determines when the Return of Premium Death Benefit is payable. The reference life for the Return of Premium Death Benefit is the original owner(s) (or annuitant, if applicable). The reference life will be set for the life of the contract at issue. For joint owner contracts, both spouses are reference lives, and the Return of Premium Death Benefit is payable upon the death of the second spouse. After the death of the first spouse, the remaining reference life is the surviving spouse.

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.

Structured Capital Strategies PLUS® variable annuity is issued by Equitable Financial Life Insurance Company (Equitable Financial) and co-distributed by affiliates Equitable Distributors, LLC and Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN). Equitable Financial, Equitable Advisors and Equitable Distributors do not provide tax or legal advice. 

On or about November 14, 2022, when distributed outside of New York State by Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI and 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 with main administrative headquarters in Jersey City, NJ.  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 with main administrative headquarters in Jersey City, NJ, and Equitable Distributors, LLC.  Equitable Advisors is the brand name of Equitable Advisors, LLC 
(member FINRA, SIPC) (Equitable Financial Advisors in MI and TN). The obligations of Equitable Financial Life Insurance Company and Equitable Financial Life Insurance Company of America are backed solely by their own claims-paying abilities.

Idaho contract form #: 2021SCSBASE-A(ID). All other states contract form #s: 2021SCSBASE-A, 2021SCSBASE-B and any state variations.

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

Equitable is the brand name of Equitable Holdings, Inc. and its family of companies, including Equitable Financial Life Insurance Company; Equitable Advisors, LLC (Equitable Financial Advisors in MI & TN); and Equitable Distributors, LLC. 

© 2022 Equitable Holdings, Inc. All rights reserved.

1290 Avenue of the Americas, New York, NY 10104, (212) 554-1234

GE-3149105PLUS  (06/2022) (Exp. 06/2024)