Equitable Financial Life Insurance Company
4.0
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Structured Capital Strategies Plus 21 NY Series ADV

The Structured Capital Strategies Plus 21 NY Series ADV sets your retirement worries at ease. Its key benefits lie in securing a steady income for life, insuring your savings, and earning potential high returns to outpace inflation.

This annuity is a safe bet, providing the financial stability you need in retirement. It's time to relax knowing your golden years are well taken care of. Secure your future with Structured Capital Strategies Plus 21 NY Series ADV annuity.

Structured Capital Strategies Plus 21 NY Series ADV-brochure Structured Capital Strategies Plus 21 NY Series ADV-brochure

Structured Capital Strategies Plus 21 NY Series ADV

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About Product

Type
Registered Index-Linked
Purpose
Accumulation & Legacy
Surrender schedule
No Surrender Charge
Fee withdrawal:
100%
Flexible premium
Product Life
Market Value Adjustment
No
Return Of Premium
No
Minimum Contribution
$25,000
Maximum Contribution
$1,500,000
Max Age Qualified
75
Types Of Funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, 1035 Exchange, and Inherited IRA
Launch Date
10/27/2022
Structured Capital Strategies PLUS offers you a way to save for retirement with a straightforward path through the ups and downs of the investment world, so that you can retire with confidence knowing your money is protected from market downturns up to -20%. Because you have your own goals, needs and appetite for risk, this retirement strategy gives you flexibility to make choices that reflect the realities of your life and the world around you. 
Available in states: NY

Allocation Accounts

Name Type Rates
6-Year S&P 500 Dual Direction Cap 10% Buffer
Dual Directional
6-Year
800% Cap
6-Year S&P 500 Dual Direction Cap 15% Buffer
Dual Directional
6-Year
550% Cap
6-Year S&P 500 Dual Direction Cap 20% Buffer
Dual Directional
6-Year
250% Cap
1-Year S&P 500 Dual Direction Cap 10% Buffer
Dual Directional
Annual
12% Cap
1-Year Russell 2000 Dual Direction Cap 10% Buffer
Dual Directional
Annual
18% Cap
1-Year MSCI EAFE Dual Direction Cap 10% Buffer
Dual Directional
Annual
16.5% Cap
1-Year Nasdaq-100 Dual Direction Cap 10% Buffer
Dual Directional
Annual
16.5% Cap
6-Year Russell 2000 Annual Lock Cap 10% Buffer
Annual Lock
6-Year
19.5% Cap
6-Year S&P 500 Annual Lock Cap 10% Buffer
Annual Lock
6-Year
15% Cap
6-Year MSCI EAFE Annual Lock Cap 10% Buffer
Annual Lock
6-Year
25% Cap
1-Year Russell 2000 PTP Cap 15% Buffer
Point to Point
Annual
18% Cap
1-Year MSCI EAFE PTP Cap 15% Buffer
Point to Point
Annual
17% Cap
1-Year Nasdaq-100 PTP Cap 15% Buffer
Point to Point
Annual
16% Cap
1-Year MSCI Emerging Markets PTP Cap 15% Buffer
Point to Point
Annual
20% Cap
6-Year S&P 500 PTP Cap 10% Buffer Uncapped
Point to Point
6-Year
1-Year EURO STOXX 50 PTP Cap 15% Buffer
Point to Point
Annual
25% Cap
6-Year S&P 500 Enhanced Upside 125% Participation Rate with Cap 15% Buffer
Point to Point
6-Year
125% Participation
100% Cap
6-Year S&P 500 Enhanced Upside 125% Participation Rate with Cap 10% Buffer
Point to Point
6-Year
125% Participation
110% Cap
6-Year S&P 500 Enhanced Upside 110% Participation Rate with Cap 15% Buffer
Point to Point
6-Year
110% Participation
190% Cap
6-Year S&P 500 Enhanced Upside 110% Participation Rate with Cap 10% Buffer
Point to Point
6-Year
110% Participation
275% Cap
1-Year EURO STOXX 50 PTP Cap 10% Buffer
Point to Point
Annual
123.5% Cap
6-Year Russell 2000 PTP Cap 10% Buffer
Point to Point
6-Year
350% Cap
6-Year MSCI EAFE PTP Cap 10% Buffer Uncapped
Point to Point
6-Year
6-Year Nasdaq-100 PTP Cap 10% Buffer
Point to Point
6-Year
225% Cap
6-Year S&P 500 PTP Cap 15% Buffer
Point to Point
6-Year
800% Cap
6-Year Russell 2000 PTP Cap 15% Buffer
Point to Point
6-Year
215% Cap
6-Year MSCI EAFE PTP Cap 15% Buffer
Point to Point
6-Year
900% Cap
6-Year Nasdaq-100 PTP Cap 15% Buffer
Point to Point
6-Year
180% Cap
6-Year S&P 500 PTP Cap 20% Buffer
Point to Point
6-Year
600% Cap
6-Year Russell 2000 PTP Cap 20% Buffer
Point to Point
6-Year
155% Cap
6-Year MSCI EAFE PTP Cap 20% Buffer
Point to Point
6-Year
700% Cap
6-Year Nasdaq-100 PTP Cap 20% Buffer
Point to Point
6-Year
140% Cap
1-Year S&P 500 PTP Cap 10% Buffer
Point to Point
Annual
15% Cap
1-Year Russell 2000 PTP Cap 10% Buffer
Point to Point
Annual
23% Cap
1-Year MSCI EAFE PTP Cap 10% Buffer
Point to Point
Annual
30% Cap
1-Year Nasdaq-100 PTP Cap 10% Buffer
Point to Point
Annual
20% Cap
1-Year MSCI Emerging Markets PTP Cap 10% Buffer
Point to Point
Annual
30% Cap
1-Year S&P 500 PTP Cap 15% Buffer
Point to Point
Annual
12.5% Cap
1-Year Russell 2000 Step Up Segment 10% Buffer
Performance Triggered
Annual
14% Performance triggered
1-Year MSCI EAFE Step Up Segment 10% Buffer
Performance Triggered
Annual
10.3% Performance triggered
1-Year Nasdaq-100 Step Up Segment 10% Buffer
Performance Triggered
Annual
12.5% Performance triggered
1-Year S&P 500 Step Up Segment 10% Buffer
Performance Triggered
Annual
10% Performance triggered
1-Year Nasdaq-100 Dual Step Up Segment 20% Buffer
Dual Step Up
Annual
7% Performance triggered
1-Year Nasdaq-100 Dual Step Up Segment 15% Buffer
Dual Step Up
Annual
8.2% Performance triggered
1-Year S&P 500 Dual Step Up Segment 10% Buffer
Dual Step Up
Annual
8.5% Performance triggered
1-Year S&P 500 Dual Step Up Segment 15% Buffer
Dual Step Up
Annual
7.2% Performance triggered
1-Year S&P 500 Dual Step Up Segment 20% Buffer
Dual Step Up
Annual
6.5% Performance triggered
1-Year Russell 2000 Dual Step Up Segment 10% Buffer
Dual Step Up
Annual
10.8% Performance triggered
1-Year Russell 2000 Dual Step Up Segment 15% Buffer
Dual Step Up
Annual
8.5% Performance triggered
1-Year Russell 2000 Dual Step Up Segment 20% Buffer
Dual Step Up
Annual
7.2% Performance triggered
1-Year MSCI EAFE Dual Step Up Segment 10% Buffer
Dual Step Up
Annual
8% Performance triggered
1-Year MSCI EAFE Dual Step Up Segment 15% Buffer
Dual Step Up
Annual
6.8% Performance triggered
1-Year MSCI EAFE Dual Step Up Segment 20% Buffer
Dual Step Up
Annual
6% Performance triggered
1-Year Nasdaq-100 Dual Step Up Segment 10% Buffer
Dual Step Up
Annual
10% Performance triggered
1-Year S&P 500 Dual Direction Cap 20% Buffer
Dual Directional
Annual
6.5% Cap
1-Year S&P 500 Dual Direction Cap 15% Buffer
Dual Directional
Annual
9% Cap
6-Year Nasdaq-100 Dual Direction Cap 20% Buffer
Dual Directional
6-Year
100% Cap
6-Year Russell 2000 Dual Direction Cap 15% Buffer
Dual Directional
6-Year
200% Cap
1-Year Russell 2000 Dual Direction Cap 15% Buffer
Dual Directional
Annual
11.5% Cap
1-Year Russell 2000 Dual Direction Cap 20% Buffer
Dual Directional
Annual
7.5% Cap
6-Year Nasdaq-100 Dual Direction Cap 15% Buffer
Dual Directional
6-Year
140% Cap
6-Year Nasdaq-100 Dual Direction Cap 10% Buffer
Dual Directional
6-Year
180% Cap
6-Year MSCI EAFE Dual Direction Cap 20% Buffer
Dual Directional
6-Year
400% Cap
6-Year MSCI EAFE Dual Direction Cap 15% Buffer
Dual Directional
6-Year
600% Cap
6-Year MSCI EAFE Dual Direction Cap 10% Buffer
Dual Directional
6-Year
800% Cap
6-Year Russell 2000 Dual Direction Cap 20% Buffer
Dual Directional
6-Year
140% Cap
6-Year Russell 2000 Dual Direction Cap 10% Buffer
Dual Directional
6-Year
300% Cap
1-Year MSCI EAFE Dual Direction Cap 15% Buffer
Dual Directional
Annual
9.5% Cap
1-Year MSCI EAFE Dual Direction Cap 20% Buffer
Dual Directional
Annual
6% Cap
1-Year Nasdaq-100 Dual Direction Cap 15% Buffer
Dual Directional
Annual
11% Cap
1-Year Nasdaq-100 Dual Direction Cap 20% Buffer
Dual Directional
Annual
7.5% Cap
6-Year Nasdaq-100 Annual Lock Cap 10% Buffer
Annual Lock
6-Year
19.5% Cap
1-Year S&P 500 Enhanced Upside 125% Participation Rate with Cap 10% Buffer
Point to Point
Annual
125% Participation
12.8% Cap
6-Year S&P 500 PTP Cap 30% Buffer
Point to Point
6-Year
300% Cap
6-Year Russell 2000 PTP Cap 30% Buffer
Point to Point
6-Year
140% Cap
6-Year MSCI EAFE PTP Cap 30% Buffer
Point to Point
6-Year
500% Cap
6-Year Nasdaq-100 PTP Cap 30% Buffer
Point to Point
6-Year
110% Cap
1-Year S&P 500 PTP Cap 20% Buffer
Point to Point
Annual
11% Cap
1-Year S&P 500 PTP Cap 30% Buffer
Point to Point
Annual
9.5% Cap
1-Year Russell 2000 PTP Cap 20% Buffer
Point to Point
Annual
15% Cap
1-Year Russell 2000 PTP Cap 30% Buffer
Point to Point
Annual
12% Cap
1-Year MSCI EAFE PTP Cap 20% Buffer
Point to Point
Annual
14% Cap
1-Year MSCI EAFE PTP Cap 30% Buffer
Point to Point
Annual
11% Cap
1-Year Nasdaq-100 PTP Cap 20% Buffer
Point to Point
Annual
13.5% Cap
1-Year Nasdaq-100 PTP Cap 30% Buffer
Point to Point
Annual
11% Cap
6-Year Russell 2000 Step Up Segment 10% Buffer
Performance Triggered
6-Year
65% Performance triggered
6-Year S&P 500 Step Up Segment 10% Buffer
Performance Triggered
6-Year
60% Performance triggered
6-Year MSCI EAFE Step Up Segment 10% Buffer
Performance Triggered
6-Year
60% Performance triggered
6-Year Nasdaq-100 Step Up Segment 10% Buffer
Performance Triggered
6-Year
60% Performance triggered
1-Year S&P 500 Step Up Segment 15% Buffer
Performance Triggered
Annual
9% Performance triggered
1-Year Russell 2000 Step Up Segment 15% Buffer
Performance Triggered
Annual
12.2% Performance triggered
1-Year MSCI EAFE Step Up Segment 15% Buffer
Performance Triggered
Annual
9% Performance triggered
1-Year Nasdaq-100 Step Up Segment 15% Buffer
Performance Triggered
Annual
11% Performance triggered

Hypothetical Projection

Comparison against S&P 500 using current rates
indexed chart
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Riders

Name Inbuilt Fee
Return of Premium Death Benefit No 0.20% annually

Waivers

No Waivers for Structured Capital Strategies Plus 21 NY Series ADV annuity.

Premium Notes

Issue ages 
  • 0–85 for Nonqualified, Roth IRA, Traditional IRA, Inherited IRA, NQ and SEP IRA Funds. 
  • Ages 20–75 for Qualified Plans. 
Ages 0–18 are available under a custodial agreement under the Uniform Gifts to Minors Act (UGMA) or Uniform Transfers to Minors Act (UTMA). May vary in some states.

Initial minimum contribution 
  • $25,000 
Subsequent minimum contribution 
  • Nonqualified Funds & Qualified Plans: $500 
  • Roth IRA & Traditional IRA: $50 
Additional premiums accepted as both, Lump Sum or Periodic payments.
No additional contributions after the date on which the older of the original Owner(s) and Annuitant(s) reaches age 86 or, if later, the first contract date anniversary.
There is no minimum requirement for transfers into a Segment or for contributions/ transfers to a Segment Type Holding Account.

Maximum contribution 
  • $1.5 million 
Higher contributions require prior approval. Maximum contribution through age 85 (or if later, the first contract date anniversary). 

Withdrawal Provisions

Withdrawals from a Segment Withdrawals prior to the Segment Maturity Date reduce the Segment Investment on a pro rata basis by the same proportion that the Segment Interim Value is reduced on the date of the withdrawal. Systematic Withdrawal ProgramStandard systematic withdrawal service program to allow specified percentage or dollar amount withdrawals. Frequency: withdrawals may be taken monthly, quarterly or annually. Withdrawal ChargeNone.

Company Founded: 1859
Excellent Rated Company
Equitable Financial Life Insurance Company
Company Ratings
4.9
  • A.M. Best A
  • S&P A+
  • Moody's A1
  • Comdex 82
Assets: $62,000,715,501
New York

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