Equitable Financial Life Insurance Company of America
4.0
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Structured Capital Strategies Income Series ADV

The Structured Capital Strategies Income Series ADV is your ideal retirement buddy! It brilliantly safeguards your future finance while providing you with steady income. This annuity offers flexibility and protection that really counts when you're retired.

The product brochure sparkles with captivating key benefits. Expect potential high returns and a straightforward way to grow your retirement savings. It's that assurance so vital for every retiree!

Structured Capital Strategies Income Series ADV-brochure Structured Capital Strategies Income Series ADV-brochure

Structured Capital Strategies Income Series ADV

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About Product

Type
Registered Index-Linked
Purpose
Lifetime Income
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, 401k, IRA, IRA Rollover, 401a, IRA Transfer, TSA 403b, SEP IRA, IRA-Roth, 457 plan, and 1035 Exchange
Launch Date
11/30/2021
Structured Capital Strategies Income is a variable and index-linked deferred annuity contract. The contract offers several payout options and an optional death benefit. You invest to accumulate value on a tax-deferred basis in one variable investment option, in one or more of the Segments comprising the Structured Investment Option or in our Dollar Cap Averaging Program.
Available in states: AK, AZ, AR, CO, CT, DE, DC, FL, GA, IL, IN, IA, KS, KY, LA, ME, MA, MI, MN, MS, MT, NE, NV, NH, NM, NC, ND, OH, OK, PA, RI, SC, SD, TN, TX, VT, VI, WA, WV, WI, and WY

Allocation Accounts

Name Type Rates
3-Year S&P 500 Loss Limiter 95 Cap with 10% Buffer
Loss Limiter 95
Triennial
30% Cap
1-Year S&P 500 Loss Limiter 90 Cap with 10% Buffer
Loss Limiter 90
Annual
11.5% Cap
1-Year S&P 500 Dual Step Up Segment with 10% Buffer
Dual Step Up
Annual
8.5% Performance triggered
1-Year S&P 500 Dual Step Up Segment with 15% Buffer
Dual Step Up
Annual
7.3% Performance triggered
1-Year Russell 2000 Dual Step Up Segment with 10% Buffer
Dual Step Up
Annual
10.8% Performance triggered
1-Year Russell 2000 Dual Step Up Segment with 15% Buffer
Dual Step Up
Annual
9% Performance triggered
1-Year MSCI EAFE Dual Step Up Segment with 10% Buffer
Dual Step Up
Annual
8.5% Performance triggered
1-Year MSCI EAFE Dual Step Up Segment with 15% Buffer
Dual Step Up
Annual
7.5% Performance triggered
1-Year Nasdaq-100 Dual Step Up Segment with 10% Buffer
Dual Step Up
Annual
10.5% Performance triggered
1-Year Nasdaq-100 Dual Step Up Segment with 15% Buffer
Dual Step Up
Annual
8.8% Performance triggered
3-Year MSCI EAFE Dual Direction Cap with 10% Buffer
Dual Directional
Triennial
700% Cap
3-Year Russell 2000 Dual Direction Cap with 10% Buffer
Dual Directional
Triennial
85% Cap
3-Year S&P 500 Dual Direction Cap with 10% Buffer
Dual Directional
Triennial
190% Cap
1-Year Nasdaq-100 Dual Direction Cap with 10% Buffer
Dual Directional
Annual
16.5% Cap
1-Year MSCI EAFE Dual Direction Cap with 10% Buffer
Dual Directional
Annual
20% Cap
1-Year Russell 2000 Dual Direction Cap with 10% Buffer
Dual Directional
Annual
17.5% Cap
1-Year S&P 500 Dual Direction Cap with 10% Buffer
Dual Directional
Annual
13% Cap
3-Year Nasdaq-100 Dual Direction Cap with 10% Buffer
Dual Directional
Triennial
75% Cap
3-Year S&P 500 Dual Direction Cap with 15% Buffer
Dual Directional
Triennial
60% Cap
3-Year Russell 2000 Dual Direction Cap with 15% Buffer
Dual Directional
Triennial
55% Cap
3-Year MSCI EAFE Dual Direction Cap with 15% Buffer
Dual Directional
Triennial
350% Cap
3-Year Nasdaq-100 Dual Direction Cap with 15% Buffer
Dual Directional
Triennial
45% Cap
1-Year S&P 500 Dual Direction Cap with 15% Buffer
Dual Directional
Annual
9.5% Cap
1-Year Russell 2000 Dual Direction Cap with 15% Buffer
Dual Directional
Annual
12.5% Cap
1-Year MSCI EAFE Dual Direction Cap with 15% Buffer
Dual Directional
Annual
8.5% Cap
1-Year Nasdaq-100 Dual Direction Cap with 15% Buffer
Dual Directional
Annual
12% Cap
3-Year S&P 500 Dual Direction Cap with 20% Buffer
Dual Directional
Triennial
35% Cap
3-Year Russell 2000 Dual Direction Cap with 20% Buffer
Dual Directional
Triennial
40% Cap
3-Year MSCI EAFE Dual Direction Cap with 20% Buffer
Dual Directional
Triennial
80% Cap
3-Year Nasdaq-100 Dual Direction Cap with 20% Buffer
Dual Directional
Triennial
40% Cap
3-Year Russell 2000 Annual Lock Cap with 10% Buffer
Annual Lock
Triennial
21% Cap
3-Year S&P 500 Annual Lock Cap with 10% Buffer
Annual Lock
Triennial
16% Cap
3-Year MSCI EAFE Annual Lock Cap with 10% Buffer
Annual Lock
Triennial
30% Cap
3-Year Nasdaq-100 Annual Lock Cap with 10% Buffer
Annual Lock
Triennial
18% Cap
3-Year Nasdaq-100 PTP Cap with 15% Buffer
Point to Point
Triennial
60% Cap
1-Year EURO STOXX 50 PTP Cap with 15% Buffer
Point to Point
Annual
64.5% Cap
3-Year S&P 500 PTP Cap with 20% Buffer
Point to Point
Triennial
55% Cap
3-Year S&P 500 PTP Cap with 40% Buffer
Point to Point
Triennial
35% Cap
1-Year MSCI Emerging Markets PTP Cap with 15% Buffer
Point to Point
Annual
22.5% Cap
3-Year S&P 500 Enhanced Upside 125% Participation Rate with Cap with 10% Buffer
Point to Point
Triennial
125% Participation
45% Cap
3-Year S&P 500 Enhanced Upside 125% Participation Rate with Cap with 15% Buffer
Point to Point
Triennial
125% Participation
40% Cap
3-Year Russell 2000 PTP Cap with 20% Buffer
Point to Point
Triennial
60% Cap
3-Year Russell 2000 PTP Cap with 40% Buffer
Point to Point
Triennial
40% Cap
1-Year Nasdaq-100 PTP Cap with 15% Buffer
Point to Point
Annual
15.5% Cap
3-Year MSCI EAFE PTP Cap with 20% Buffer
Point to Point
Triennial
225% Cap
3-Year MSCI EAFE PTP Cap with 40% Buffer
Point to Point
Triennial
57.5% Cap
1-Year MSCI EAFE PTP Cap with 15% Buffer
Point to Point
Annual
23% Cap
3-Year Nasdaq-100 PTP Cap with 20% Buffer
Point to Point
Triennial
50% Cap
3-Year Nasdaq-100 PTP Cap with 40% Buffer
Point to Point
Triennial
35% Cap
1-Year Russell 2000 PTP Cap with 15% Buffer
Point to Point
Annual
18.5% Cap
1-Year S&P 500 PTP Cap with 15% Buffer
Point to Point
Annual
13.5% Cap
1-Year EURO STOXX 50 PTP Cap with 10% Buffer
Point to Point
Annual
123.5% Cap
1-Year MSCI Emerging Markets PTP Cap with 10% Buffer
Point to Point
Annual
35% Cap
1-Year Nasdaq-100 PTP Cap with 10% Buffer
Point to Point
Annual
20% Cap
1-Year MSCI EAFE PTP Cap with 10% Buffer
Point to Point
Annual
30% Cap
1-Year Russell 2000 PTP Cap with 10% Buffer
Point to Point
Annual
23% Cap
1-Year S&P 500 PTP Cap with 10% Buffer
Point to Point
Annual
16% Cap
3-Year MSCI EAFE PTP Cap with 15% Buffer
Point to Point
Triennial
600% Cap
3-Year S&P 500 Enhanced Upside 110% Participation Rate with Cap with 15% Buffer
Point to Point
Triennial
110% Participation
45% Cap
3-Year S&P 500 Enhanced Upside 110% Participation Rate with Cap with 10% Buffer
Point to Point
Triennial
110% Participation
65% Cap
1-Year S&P 500 PTP Cap with 20% Buffer
Point to Point
Annual
12.5% Cap
1-Year S&P 500 PTP Cap with 40% Buffer
Point to Point
Annual
10% Cap
3-Year MSCI EAFE PTP Cap with 10% Buffer Uncapped
Point to Point
Triennial
1-Year Nasdaq-100 PTP Cap with 40% Buffer
Point to Point
Annual
10% Cap
1-Year S&P 500 Enhanced Upside 125% Participation Rate with Cap with 10% Buffer
Point to Point
Annual
125% Participation
14% Cap
1-Year Russell 2000 PTP Cap with 20% Buffer
Point to Point
Annual
15.5% Cap
1-Year Russell 2000 PTP Cap with 40% Buffer
Point to Point
Annual
12% Cap
3-Year Russell 2000 PTP Cap with 10% Buffer
Point to Point
Triennial
145% Cap
3-Year Nasdaq-100 PTP Cap with 10% Buffer
Point to Point
Triennial
95% Cap
1-Year MSCI EAFE PTP Cap with 20% Buffer
Point to Point
Annual
17% Cap
1-Year MSCI EAFE PTP Cap with 40% Buffer
Point to Point
Annual
13.5% Cap
3-Year S&P 500 PTP Cap with 15% Buffer
Point to Point
Triennial
150% Cap
3-Year S&P 500 PTP Cap with 10% Buffer
Point to Point
Triennial
200% Cap
3-Year Russell 2000 PTP Cap with 15% Buffer
Point to Point
Triennial
70% Cap
1-Year Nasdaq-100 PTP Cap with 20% Buffer
Point to Point
Annual
13.5% Cap
1-Year S&P 500 Step Up Segment with 15% Buffer
Performance Triggered
Annual
9.5% Performance triggered
1-Year S&P 500 Step Up Segment with 10% Buffer
Performance Triggered
Annual
10.5% Performance triggered
1-Year Russell 2000 Step Up Segment with 10% Buffer
Performance Triggered
Annual
14% Performance triggered
1-Year MSCI EAFE Step Up Segment with 10% Buffer
Performance Triggered
Annual
11.5% Performance triggered
1-Year Nasdaq-100 Step Up Segment with 10% Buffer
Performance Triggered
Annual
13% Performance triggered
1-Year Russell 2000 Step Up Segment with 15% Buffer
Performance Triggered
Annual
12.3% Performance triggered
3-Year S&P 500 Step Up Segment with 10% Buffer
Performance Triggered
Triennial
29% Performance triggered
1-Year MSCI EAFE Step Up Segment with 15% Buffer
Performance Triggered
Annual
10% Performance triggered
1-Year Nasdaq-100 Step Up Segment with 15% Buffer
Performance Triggered
Annual
12% Performance triggered

Hypothetical Projection

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

Name Inbuilt Fee
SCS Income GLWB Accelerated Yes 1.50% annually
SCS Income GLWB Level Yes 1.50% annually

Waivers

No Waivers for Structured Capital Strategies Income Series ADV annuity.

Premium Notes

Issue ages 
  • 45–80 for Nonqualified, Roth IRA, Traditional IRA and SEP IRA Funds. 
  • 45–75 for Qualified Plans 
Contribution amounts
  • NQ. $25,000 (initial) / $500 (subsequent) minimum contribution amounts
  • Traditional or Roth IRA. $25,000 (initial) / $50 (subsequent) minimum contribution amounts
  • QP (defined contribution or defined benefit). $25,000 (initial) / $500 (subsequent) minimum contribution amounts
  • SEP IRA. $25,000 (initial) / $500 (subsequent) minimum contribution amounts
Additional premiums accepted as both, Lump Sum or Periodic payments.

No subsequent contributions are allowed once a withdrawal is made under the contract, including an automatic or systematic withdrawal, a required minimum distribution, a withdrawal under the GLWB rider, or a withdrawal to pay advisory fees under a Series ADV contract.

Company Founded: 1859
Excellent Rated Company
Equitable Financial Life Insurance Company of America
Company Ratings
4.1
  • A.M. Best A
  • S&P A+
  • Moody's A1
  • Comdex 82
Assets: $17,770,279,563
Arizona

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