Equitable VULs with the Market Stabilizer Option® II

Guiding clients through times of uncertainty

Equitable has a history of life insurance innovation. We pioneered variable life insurance and were the first to offer variable universal life insurance with a buffered investment option with our Market Stabilizer Option®, designed to help clients manage market volatility. 

Today, clients are still facing market volatility along with record-high inflation rates and rising interest rates, making it harder for them to feel confident about their future and providing death benefit protection for their loved ones. That’s where an Equitable VUL with our unique Market Stabilizer Option® II (MSO II) Indexed Options can help.

Downside protection with upside potential in up or down markets

The MSO II Indexed Options track the S&P 500® Price Return Index (without dividends) and offer varying levels of downside protection with the potential for growth opportunities in various market conditions – keeping your clients invested and helping them reduce losses and breakeven faster during market declines. 

The MSO II Indexed Options are available for new issues of VUL Optimizer®, VUL Optimizer® Max, COIL Institutional Seriessm, VUL Legacy® and Equitable Advantage Maxsm policies, and are subject to state approvals1.

The MSO II Indexed Options offer the following benefits to your clients: 

Choice: Five MSO II Indexed Options provide clients with varying levels of downside protection buffers combined with the potential for positive returns when the market is flat, up or down. 

Flexibility: It’s like having two products in one: your clients get indexed options that provide varying levels of downside protection buffers along with over 85 variable investment options that offer uncapped upside potential. There is investment risk for your clients, including the possible loss of principal invested.

Protection: The MSO II Indexed Options offer three different downside protection buffers ranging from -10% to -20%.

Call us today at 866-545-1590 to learn more about how our innovative suite of VULs with the MSO II Indexed Options can help.  

1 The Market Stabilizer Option® II Indexed Options are also available with the fully underwritten version of Equitable Advantage Maxsm.

Please be advised this webpage 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 clients should seek advice based on their particular circumstances from an independent tax advisor. Neither Equitable Financial, Equitable America or its affiliates provide legal or tax advice.

Variable universal Life insurance and the MSO II are sold by prospectus only. Be sure your clients review the current prospectus for complete details including investment objectives, risks, charges, expenses, limitations, and restrictions. Please be sure your clients read the product prospectuses and consider the information carefully before purchasing a policy or sending money. You can find a copy of the prospectus at equitable.com

References to Equitable in this document represent both Equitable Financial Life Insurance Company and Equitable Financial Life Insurance Company of America, which are affiliated companies. Overall, 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). The obligations of Equitable Financial and Equitable America are backed solely by their claims-paying abilities.

Life insurance products are issued by Equitable Financial Life Insurance Company (NY, NY) or Equitable Financial Life Insurance Company of America, an Arizona stock corporation, and are distributed by Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN) and Equitable Distributors, LLC, 1290 Avenue of Americas, NY, NY 10104. 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 Advisors Financial Professionals, variable universal life insurance products are issued by Equitable Financial Life Insurance Company (NY, NY). Equitable Financial and Equitable America are separate companies, and each insurance company has sole responsibility for its life insurance obligations.

GE-3002366.4 (11/2022) (Exp. 11/2024)