Equitable Financial Life Insurance Company of America

based on complex data

Annuity Educator Rating

Annuity review

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

Your Email

Compare this annuity with 800+ others from 100+ companies

Your State

Investment

Your Gender

Your Age

Retire At

No agent will call you

About Product

Type

Registered Index-Linked

Purpose

Lifetime Income

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, 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

See if this annuity ranks in your top 3 for Ohio

Investment Amount

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