Equitable Financial Life Insurance Company of America
4.1
based on complex data
Annuity Educator Rating
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Structured Capital Strategies Plus 21 Series ADV

The Structured Capital Strategies Plus 21 Series ADV is an ideal annuity product for a worry-free retirement. With its striking balance between growth and risk management, it promises a secure yet lucrative future.

With this product, you can customize your investment strategy making it a great fit for retirement planning. Its downside protection should give retirees and pre-retirees an extra peace of mind too.

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

Structured Capital Strategies Plus 21 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
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: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name Type Rates
6-Year S&P 500 Loss Limiter 95 Cap 10% Buffer
Loss Limiter 95
6-Year
90% Cap
1-Year S&P 500 Loss Limiter 90 Cap 10% Buffer
Loss Limiter 90
Annual
10.5% Cap
1-Year Nasdaq-100 Dual Step Up Segment 15% Buffer
Dual Step Up
Annual
8.5% Performance triggered
1-Year Nasdaq-100 Dual Step Up Segment 10% Buffer
Dual Step Up
Annual
10.5% 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 10% Buffer
Dual Step Up
Annual
8% 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 10% Buffer
Dual Step Up
Annual
11% 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 10% Buffer
Dual Step Up
Annual
8.5% Performance triggered
6-Year Russell 2000 Dual Direction Cap 10% Buffer
Dual Directional
6-Year
300% Cap
1-Year S&P 500 Dual Direction Cap 10% Buffer
Dual Directional
Annual
12.5% Cap
1-Year Nasdaq-100 Dual Direction Cap 15% Buffer
Dual Directional
Annual
12% Cap
1-Year Nasdaq-100 Dual Direction Cap 10% Buffer
Dual Directional
Annual
16.5% Cap
1-Year MSCI EAFE Dual Direction Cap 15% Buffer
Dual Directional
Annual
9.5% Cap
1-Year MSCI EAFE Dual Direction Cap 10% Buffer
Dual Directional
Annual
17% Cap
1-Year Russell 2000 Dual Direction Cap 15% Buffer
Dual Directional
Annual
13% Cap
1-Year S&P 500 Dual Direction Cap 15% Buffer
Dual Directional
Annual
9% Cap
1-Year Russell 2000 Dual Direction Cap 10% Buffer
Dual Directional
Annual
19.5% Cap
6-Year Russell 2000 Dual Direction Cap 15% Buffer
Dual Directional
6-Year
200% Cap
6-Year Russell 2000 Dual Direction Cap 20% Buffer
Dual Directional
6-Year
140% Cap
6-Year MSCI EAFE Dual Direction Cap 10% Buffer
Dual Directional
6-Year
800% Cap
6-Year MSCI EAFE Dual Direction Cap 15% Buffer
Dual Directional
6-Year
600% Cap
6-Year MSCI EAFE Dual Direction Cap 20% Buffer
Dual Directional
6-Year
400% Cap
6-Year Nasdaq-100 Dual Direction Cap 10% Buffer
Dual Directional
6-Year
180% Cap
6-Year Nasdaq-100 Dual Direction Cap 15% Buffer
Dual Directional
6-Year
140% Cap
6-Year Nasdaq-100 Dual Direction Cap 20% Buffer
Dual Directional
6-Year
100% Cap
6-Year S&P 500 Dual Direction Cap 20% Buffer
Dual Directional
6-Year
250% 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 10% Buffer
Dual Directional
6-Year
800% 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 Nasdaq-100 Annual Lock Cap 10% Buffer
Annual Lock
6-Year
19.5% Cap
6-Year MSCI EAFE Annual Lock Cap 10% Buffer
Annual Lock
6-Year
25% Cap
1-Year S&P 500 PTP Cap 10% Buffer
Point to Point
Annual
16% Cap
6-Year Nasdaq-100 PTP Cap 10% Buffer
Point to Point
6-Year
225% Cap
1-Year MSCI Emerging Markets PTP Cap 15% Buffer
Point to Point
Annual
20% Cap
1-Year EURO STOXX 50 PTP Cap 15% Buffer
Point to Point
Annual
55% Cap
6-Year S&P 500 PTP Cap 40% Buffer
Point to Point
6-Year
200% Cap
6-Year Russell 2000 PTP Cap 40% Buffer
Point to Point
6-Year
125% Cap
6-Year MSCI EAFE PTP Cap 10% Buffer Uncapped
Point to Point
6-Year
6-Year Russell 2000 PTP Cap 10% Buffer
Point to Point
6-Year
350% Cap
6-Year S&P 500 PTP Cap 10% Buffer Uncapped
Point to Point
6-Year
6-Year MSCI EAFE PTP Cap 40% Buffer
Point to Point
6-Year
350% Cap
6-Year Nasdaq-100 PTP Cap 20% Buffer
Point to Point
6-Year
140% Cap
1-Year Nasdaq-100 PTP Cap 10% Buffer
Point to Point
Annual
20% Cap
6-Year Nasdaq-100 PTP Cap 40% Buffer
Point to Point
6-Year
90% 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
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 S&P 500 PTP Cap 15% Buffer
Point to Point
Annual
13% Cap
1-Year EURO STOXX 50 PTP Cap 10% Buffer
Point to Point
Annual
123.5% Cap
1-Year MSCI Emerging Markets PTP Cap 10% Buffer
Point to Point
Annual
30% Cap
6-Year S&P 500 PTP Cap 15% Buffer
Point to Point
6-Year
800% Cap
6-Year MSCI EAFE PTP Cap 20% Buffer
Point to Point
6-Year
700% Cap
1-Year S&P 500 PTP Cap 20% Buffer
Point to Point
Annual
11% Cap
1-Year S&P 500 PTP Cap 40% Buffer
Point to Point
Annual
8.5% Cap
6-Year Russell 2000 PTP Cap 20% Buffer
Point to Point
6-Year
155% Cap
6-Year S&P 500 PTP Cap 20% Buffer
Point to Point
6-Year
600% Cap
1-Year S&P 500 Enhanced Upside 125% Participation Rate with Cap 10% Buffer
Point to Point
Annual
125% Participation
13.5% Cap
1-Year Russell 2000 PTP Cap 15% Buffer
Point to Point
Annual
19% Cap
1-Year Russell 2000 PTP Cap 20% Buffer
Point to Point
Annual
16% Cap
1-Year Russell 2000 PTP Cap 40% Buffer
Point to Point
Annual
11.5% Cap
6-Year Nasdaq-100 PTP Cap 15% Buffer
Point to Point
6-Year
180% Cap
1-Year MSCI EAFE PTP Cap 15% Buffer
Point to Point
Annual
17% Cap
1-Year MSCI EAFE PTP Cap 20% Buffer
Point to Point
Annual
14% Cap
1-Year MSCI EAFE PTP Cap 40% Buffer
Point to Point
Annual
10% Cap
6-Year MSCI EAFE PTP Cap 15% Buffer
Point to Point
6-Year
900% Cap
6-Year Russell 2000 PTP Cap 15% Buffer
Point to Point
6-Year
215% Cap
1-Year Nasdaq-100 PTP Cap 15% Buffer
Point to Point
Annual
16% Cap
1-Year Nasdaq-100 PTP Cap 20% Buffer
Point to Point
Annual
14% Cap
1-Year Nasdaq-100 PTP Cap 40% Buffer
Point to Point
Annual
10% Cap
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
6-Year S&P 500 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 Nasdaq-100 Step Up Segment 10% Buffer
Performance Triggered
Annual
13.5% Performance triggered
1-Year MSCI EAFE Step Up Segment 10% Buffer
Performance Triggered
Annual
10.5% Performance triggered
1-Year Russell 2000 Step Up Segment 10% Buffer
Performance Triggered
Annual
14.5% Performance triggered
1-Year S&P 500 Step Up Segment 10% Buffer
Performance Triggered
Annual
10.5% Performance triggered
1-Year Nasdaq-100 Step Up Segment 15% Buffer
Performance Triggered
Annual
12% Performance triggered

Hypothetical Projection

Comparison against S&P 500 using current rates
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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 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 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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