Ratings:

A.M. Best A
S&P A+
Moody's A1
Comdex 82

James Alden

Experienced Financial Advisor

25 years

experience

3,712

career consultations

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Structured Capital Strategies Plus 21 NY Series ADV

Equitable Financial Life Insurance Company, previously referred to as AXA Equitable Life Insurance Company, specializes in the retirement planning sector by offering a variety of life insurance, annuity, and other investment products. First founded in 1859, Equitable seeks to tailor its financial solutions to the exclusive needs of its customers, by way of providing them with financial ease in retirement. With robust financial strength ratings from agencies like A.M. Best or Fitch, the company continues to innovate from within, transitioning from a mutual insurance company to a stock company in 2005.

Structured Capital Strategies Plus 21 NY Series ADV

Your Email

Ratings:

A.M. Best A
S&P A+
Moody's A1
Comdex 82

About Product

Type

Registered Index-Linked

Purpose

Accumulation & Legacy

Surrender schedule

No Surrender Charge

Fee withdrawal:

100%

Flexible premium

Product Life

Market Value Adjustment

Return Of Premium

Minimum Contribution

$25,000

Maximum Contribution

$1,500,000

Max Age Qualified

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	12.5% Cap
1-Year Russell 2000 Dual Direction Cap 10% Buffer	Dual Directional Annual	19.5% Cap
1-Year MSCI EAFE Dual Direction Cap 10% Buffer	Dual Directional Annual	17% 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	19% Cap
1-Year MSCI EAFE PTP Cap 15% Buffer	Point to Point Annual	22% 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	55% 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	16% Cap
1-Year Russell 2000 PTP Cap 10% Buffer	Point to Point Annual	24.5% 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	13% Cap
1-Year Russell 2000 Step Up Segment 10% Buffer	Performance Triggered Annual	14.5% Performance triggered
1-Year MSCI EAFE Step Up Segment 10% Buffer	Performance Triggered Annual	11% Performance triggered
1-Year Nasdaq-100 Step Up Segment 10% Buffer	Performance Triggered Annual	13.5% Performance triggered
1-Year S&P 500 Step Up Segment 10% Buffer	Performance Triggered Annual	10.5% Performance triggered
1-Year Nasdaq-100 Dual Step Up Segment 20% Buffer	Dual Step Up Annual	7.5% Performance triggered
1-Year Nasdaq-100 Dual Step Up Segment 15% Buffer	Dual Step Up Annual	8.5% 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	7.5% 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	11% Performance triggered
1-Year Russell 2000 Dual Step Up Segment 15% Buffer	Dual Step Up Annual	9% Performance triggered
1-Year Russell 2000 Dual Step Up Segment 20% Buffer	Dual Step Up Annual	7.5% 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	7% 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	10.5% Performance triggered
1-Year S&P 500 Dual Direction Cap 20% Buffer	Dual Directional Annual	7% 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	13% Cap
1-Year Russell 2000 Dual Direction Cap 20% Buffer	Dual Directional Annual	8% 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	6.5% Cap
1-Year Nasdaq-100 Dual Direction Cap 15% Buffer	Dual Directional Annual	12% Cap
1-Year Nasdaq-100 Dual Direction Cap 20% Buffer	Dual Directional Annual	8% 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 14% 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	11.5% Cap
1-Year S&P 500 PTP Cap 30% Buffer	Point to Point Annual	10% Cap
1-Year Russell 2000 PTP Cap 20% Buffer	Point to Point Annual	16% Cap
1-Year Russell 2000 PTP Cap 30% Buffer	Point to Point Annual	13.5% Cap
1-Year MSCI EAFE PTP Cap 20% Buffer	Point to Point Annual	16% 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	14% Cap
1-Year Nasdaq-100 PTP Cap 30% Buffer	Point to Point Annual	11.5% 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	9.5% Performance triggered
1-Year Russell 2000 Step Up Segment 15% Buffer	Performance Triggered Annual	12.5% Performance triggered
1-Year MSCI EAFE Step Up Segment 15% Buffer	Performance Triggered Annual	9.5% Performance triggered
1-Year Nasdaq-100 Step Up Segment 15% Buffer	Performance Triggered Annual	12% Performance triggered

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 Program

Standard systematic withdrawal service program to allow specified percentage or dollar amount withdrawals.
Frequency: withdrawals may be taken monthly, quarterly or annually.

Withdrawal Charge
None.

Other Equitable Financial NY Products

Structured Capital Strategies Plus 21 NY Series ADV

Structured Capital Strategies Plus 21 NY Series Select

Structured Capital Strategies Plus 21 NY Series B

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