Equitable Financial Life Insurance Company of America

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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

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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

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

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, 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	8.2% Performance triggered
1-Year Nasdaq-100 Dual Step Up Segment 10% Buffer	Dual Step Up Annual	10% 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 10% Buffer	Dual Step Up Annual	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 10% Buffer	Dual Step Up Annual	10.8% 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 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% Cap
1-Year Nasdaq-100 Dual Direction Cap 15% Buffer	Dual Directional Annual	11% 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	16.5% Cap
1-Year Russell 2000 Dual Direction Cap 15% Buffer	Dual Directional Annual	11.5% 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	18% 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	15% 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	25% 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	23% 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	12.5% 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 12.8% Cap
1-Year Russell 2000 PTP Cap 15% Buffer	Point to Point Annual	18% Cap
1-Year Russell 2000 PTP Cap 20% Buffer	Point to Point Annual	15% Cap
1-Year Russell 2000 PTP Cap 40% Buffer	Point to Point Annual	11% 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	13.5% 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	12.2% Performance triggered
1-Year MSCI EAFE Step Up Segment 15% Buffer	Performance Triggered Annual	9% 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% Performance triggered
1-Year Nasdaq-100 Step Up Segment 10% Buffer	Performance Triggered Annual	12.5% Performance triggered
1-Year MSCI EAFE Step Up Segment 10% Buffer	Performance Triggered Annual	10.3% Performance triggered
1-Year Russell 2000 Step Up Segment 10% Buffer	Performance Triggered Annual	14% Performance triggered
1-Year S&P 500 Step Up Segment 10% Buffer	Performance Triggered Annual	10% Performance triggered
1-Year Nasdaq-100 Step Up Segment 15% Buffer	Performance Triggered Annual	11% Performance triggered

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