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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 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 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 top 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 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. 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 the 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 the 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 the 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.

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^® (February 2023 version) 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: 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

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