Investment Edge

Think of it as the three Ds: Diversification, deferral, and distribution, all helping to keep you on a steady course. With this straightforward approach to retirement investing, you will: 

• • Have the opportunity to build wealth through diversification: Help smooth the effect of ups and downs in any one market sector and stay focused on long-term growth.* 
  • Defer tax payments: Allow contributions and earnings to compound and grow, without having to pay taxes on your growth until later.
  • Tax-efficient distributions: Income Edge® offers flexibility around how and when you receive distributions—including the option to pay less tax in the early years of retirement.

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* Diversification does not guarantee a profit or protection against loss.

A.M. Best has affirmed the Financial Strength Rating (FSR) of A (Excellent) for Equitable Financial

A group variable annuity is a long-term financial product designed for retirement purposes. In essence, a group variable annuity is a contractual agreement in which payments(s) are made to an insurance company on behalf of retirement plan participants, which agrees to pay out an income or a lump sum amount at a later date to those participants. There are contract limitations and fees and charges associated with group variable annuities, which include, but are not limited to, administrative fees and charges for investment management. Contact a Retirement Program Specialist for costs and complete details. Variable annuities are subject to market risk including loss of principal. Earnings are taxable as ordinary income when distributed and may be subject to an additional 10% federal tax if withdrawn before age 59½.  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. Withdrawals from a company-sponsored retirement plan are subject to normal income tax treatment and if taken prior to age 59 ½ may be subject to an additional 10% federal income tax penalty. Tax-qualified retirement plans already provide tax deferral, under the Internal Revenue Code. Deferral of an annuity contract does not provide any additional tax benefits. Before purchasing such an annuity, 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 the annuity contract compared with any other investments you may use. All contract and rider guarantees, including optional benefits and any fixed subaccount crediting rates or annuity payout rates, are backed by the claims-paying ability of Equitable Financial. 

Please consider the charges, risks, expenses, and investment objectives carefully before purchasing a variable annuity. For a prospectus containing this and other information, please contact a financial professional. Read it carefully before you invest or send money.

Investment Edge® is a registered service mark of Equitable Financial Life Insurance Company. Investment Edge® (February 2021) version 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.

Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (NY, NY); Equitable Financial Life Insurance Company of 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 & TN).  The subsidiaries of Equitable Holdings, Inc. and their employees and associates do not provide tax or legal advice or services.

GE-3498581 (3/21) (Exp. 01/23)