Structured Capital Strategies is a tax-deferred variable annuity that can help you grow your retirement assets and address the ups and downs of a fluctuating market. It’s designed to help AIA members protect against some loss while taking advantage of market upside potential. It tracks well-known benchmark indices like the S&P 500 and Russell 2000 up to a set performance cap rate.
Structured Capital Strategies helps AIA memberstake steps to reach their retirement goals with benefits including:
Access to levels of downside protection: Up to ~30%, with certain segments and indices
Growth opportunities: Lock in potential growth that tracks your chosen benchmark index, up to a cap
Customization for individual needs: Design a strategy that’s right for you by choosing an index to be tracked and setting the level of downside protection
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. 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. Structured Capital Strategies® contains the Structured Investment Option (SIO), which permits the contract owner to invest in one or more Segments, with growth potential up to a specified Performance Cap Rate, each of which provides performance tied to the performance of an equity or commodities index for a set period (1 year, 3 years, 5 years). The partial protection feature, called the Segment Buffer, will absorb up to the first -30% of loss, depending on the Segment Type selected. Keep in mind that there is risk of substantial loss of principal because the investor agrees to absorb all losses that exceed the protection provided by the SIO at maturity. Additionally, it must be noted that there are Variable Investment Options available that are not part of the SIO and the investment results in these Variable Investment Options do not depend on the investment performance of a related index.
Structured Capital Strategies® is a variable annuity issued by Equitable Financial Insurance Company, New York, NY 10104 and co-distributed by affiliates Equitable Advisors, LLC (Equitable Financial Advisors in MI and TN) and Equitable Distributors, LLC, New York, NY 10104. Please note that 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.
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.
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. It is not possible to invest directly in an index.
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® 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®.
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.