Structured Capital Strategies Plus 21 Series B

Equitable Financial Life Insurance Company of America
Structured Capital Strategies Plus 21 Series B-brochure Structured Capital Strategies Plus 21 Series B-brochure

Structured Capital Strategies Plus 21 Series B

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Ratings:

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

About Product

Type
Registered Index-Linked
Purpose
Accumulation & Legacy
Term
6 Years
Surrender schedule
7%7%6%5%4%3%
Fee withdrawal:
10%
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
45% Cap
1-Year S&P 500 Loss Limiter 90 Cap 10% Buffer
Loss Limiter 90
Annual
9% Cap
1-Year S&P 500 Dual Step Up Segment 15% Buffer
Dual Step Up
Annual
6.3% Performance triggered
1-Year S&P 500 Dual Step Up Segment 10% Buffer
Dual Step Up
Annual
7.8% Performance triggered
1-Year Russell 2000 Dual Step Up Segment 10% Buffer
Dual Step Up
Annual
10% Performance triggered
1-Year Russell 2000 Dual Step Up Segment 15% Buffer
Dual Step Up
Annual
7.8% Performance triggered
1-Year MSCI EAFE Dual Step Up Segment 10% Buffer
Dual Step Up
Annual
6.8% Performance triggered
1-Year MSCI EAFE Dual Step Up Segment 15% Buffer
Dual Step Up
Annual
5.8% Performance triggered
1-Year Nasdaq-100 Dual Step Up Segment 10% Buffer
Dual Step Up
Annual
9.7% Performance triggered
1-Year Nasdaq-100 Dual Step Up Segment 15% Buffer
Dual Step Up
Annual
7.7% Performance triggered
1-Year S&P 500 Dual Direction Cap 10% Buffer
Dual Directional
Annual
10% Cap
1-Year Russell 2000 Dual Direction Cap 10% Buffer
Dual Directional
Annual
15.5% Cap
1-Year S&P 500 Dual Direction Cap 15% Buffer
Dual Directional
Annual
7.5% Cap
1-Year Russell 2000 Dual Direction Cap 15% Buffer
Dual Directional
Annual
10% Cap
1-Year MSCI EAFE Dual Direction Cap 10% Buffer
Dual Directional
Annual
11.5% Cap
1-Year MSCI EAFE Dual Direction Cap 15% Buffer
Dual Directional
Annual
6.5% Cap
1-Year Nasdaq-100 Dual Direction Cap 10% Buffer
Dual Directional
Annual
14% Cap
1-Year Nasdaq-100 Dual Direction Cap 15% Buffer
Dual Directional
Annual
9.5% Cap
6-Year Russell 2000 Dual Direction Cap 10% Buffer
Dual Directional
6-Year
110% Cap
6-Year Russell 2000 Dual Direction Cap 15% Buffer
Dual Directional
6-Year
85% Cap
6-Year Russell 2000 Dual Direction Cap 20% Buffer
Dual Directional
6-Year
70% Cap
6-Year MSCI EAFE Dual Direction Cap 10% Buffer
Dual Directional
6-Year
750% Cap
6-Year MSCI EAFE Dual Direction Cap 15% Buffer
Dual Directional
6-Year
500% Cap
6-Year MSCI EAFE Dual Direction Cap 20% Buffer
Dual Directional
6-Year
350% Cap
6-Year Nasdaq-100 Dual Direction Cap 10% Buffer
Dual Directional
6-Year
90% Cap
6-Year Nasdaq-100 Dual Direction Cap 15% Buffer
Dual Directional
6-Year
80% Cap
6-Year Nasdaq-100 Dual Direction Cap 20% Buffer
Dual Directional
6-Year
70% Cap
6-Year S&P 500 Dual Direction Cap 20% Buffer
Dual Directional
6-Year
65% Cap
6-Year S&P 500 Dual Direction Cap 15% Buffer
Dual Directional
6-Year
80% Cap
6-Year S&P 500 Dual Direction Cap 10% Buffer
Dual Directional
6-Year
150% Cap
6-Year S&P 500 Annual Lock Cap 10% Buffer
Annual Lock
6-Year
11.5% Cap
6-Year Nasdaq-100 Annual Lock Cap 10% Buffer
Annual Lock
6-Year
14.5% Cap
6-Year Russell 2000 Annual Lock Cap 10% Buffer
Annual Lock
6-Year
14.5% Cap
6-Year MSCI EAFE Annual Lock Cap 10% Buffer
Annual Lock
6-Year
16% Cap
6-Year S&P 500 Enhanced Upside 110% Participation Rate with Cap 15% Buffer
Point to Point
6-Year
110% Participation
80% Cap
6-Year Nasdaq-100 PTP Cap 15% Buffer
Point to Point
6-Year
90% Cap
6-Year S&P 500 PTP Cap 10% Buffer Uncapped
Point to Point
6-Year
1-Year MSCI Emerging Markets PTP Cap 15% Buffer
Point to Point
Annual
16% Cap
1-Year EURO STOXX 50 PTP Cap 15% Buffer
Point to Point
Annual
15% Cap
6-Year S&P 500 PTP Cap 40% Buffer
Point to Point
6-Year
50% Cap
6-Year Russell 2000 PTP Cap 40% Buffer
Point to Point
6-Year
65% Cap
6-Year MSCI EAFE PTP Cap 40% Buffer
Point to Point
6-Year
150% Cap
6-Year S&P 500 Enhanced Upside 125% Participation Rate with Cap 15% Buffer
Point to Point
6-Year
125% Participation
70% Cap
6-Year S&P 500 Enhanced Upside 125% Participation Rate with Cap 10% Buffer
Point to Point
6-Year
125% Participation
75% Cap
6-Year Russell 2000 PTP Cap 10% Buffer
Point to Point
6-Year
120% Cap
6-Year Nasdaq-100 PTP Cap 40% Buffer
Point to Point
6-Year
55% Cap
6-Year S&P 500 Enhanced Upside 110% Participation Rate with Cap 10% Buffer
Point to Point
6-Year
110% Participation
90% Cap
1-Year S&P 500 PTP Cap 15% Buffer
Point to Point
Annual
11% Cap
1-Year EURO STOXX 50 PTP Cap 10% Buffer
Point to Point
Annual
35% Cap
1-Year MSCI Emerging Markets PTP Cap 10% Buffer
Point to Point
Annual
23% Cap
1-Year Nasdaq-100 PTP Cap 10% Buffer
Point to Point
Annual
17% Cap
1-Year MSCI EAFE PTP Cap 10% Buffer
Point to Point
Annual
20% Cap
1-Year Russell 2000 PTP Cap 10% Buffer
Point to Point
Annual
19% Cap
1-Year Russell 2000 PTP Cap 40% Buffer
Point to Point
Annual
9.5% Cap
6-Year S&P 500 PTP Cap 20% Buffer
Point to Point
6-Year
100% Cap
6-Year Russell 2000 PTP Cap 20% Buffer
Point to Point
6-Year
80% Cap
6-Year MSCI EAFE PTP Cap 20% Buffer
Point to Point
6-Year
650% Cap
6-Year Nasdaq-100 PTP Cap 20% Buffer
Point to Point
6-Year
80% Cap
1-Year S&P 500 PTP Cap 20% Buffer
Point to Point
Annual
9.5% Cap
1-Year S&P 500 PTP Cap 40% Buffer
Point to Point
Annual
7% Cap
6-Year MSCI EAFE PTP Cap 15% Buffer
Point to Point
6-Year
700% Cap
6-Year Russell 2000 PTP Cap 15% Buffer
Point to Point
6-Year
100% Cap
1-Year S&P 500 Enhanced Upside 125% Participation Rate with Cap 10% Buffer
Point to Point
Annual
125% Participation
11.5% Cap
1-Year Russell 2000 PTP Cap 15% Buffer
Point to Point
Annual
15% Cap
1-Year Russell 2000 PTP Cap 20% Buffer
Point to Point
Annual
13% Cap
1-Year S&P 500 PTP Cap 10% Buffer
Point to Point
Annual
13% Cap
1-Year Nasdaq-100 PTP Cap 40% Buffer
Point to Point
Annual
8.5% Cap
1-Year MSCI EAFE PTP Cap 15% Buffer
Point to Point
Annual
13% Cap
1-Year MSCI EAFE PTP Cap 20% Buffer
Point to Point
Annual
11% Cap
1-Year MSCI EAFE PTP Cap 40% Buffer
Point to Point
Annual
8% Cap
1-Year Nasdaq-100 PTP Cap 20% Buffer
Point to Point
Annual
12% Cap
1-Year Nasdaq-100 PTP Cap 15% Buffer
Point to Point
Annual
13.5% Cap
6-Year MSCI EAFE PTP Cap 10% Buffer Uncapped
Point to Point
6-Year
6-Year S&P 500 PTP Cap 15% Buffer
Point to Point
6-Year
175% Cap
6-Year Nasdaq-100 PTP Cap 10% Buffer
Point to Point
6-Year
100% Cap
1-Year MSCI EAFE Step Up Segment 10% Buffer
Performance Triggered
Annual
9.5% Performance triggered
1-Year Nasdaq-100 Step Up Segment 15% Buffer
Performance Triggered
Annual
10.2% Performance triggered
1-Year S&P 500 Step Up Segment 10% Buffer
Performance Triggered
Annual
9.5% Performance triggered
1-Year Russell 2000 Step Up Segment 10% Buffer
Performance Triggered
Annual
13% Performance triggered
1-Year S&P 500 Step Up Segment 15% Buffer
Performance Triggered
Annual
8.5% Performance triggered
6-Year S&P 500 Step Up Segment 10% Buffer
Performance Triggered
6-Year
50% Performance triggered
1-Year MSCI EAFE Step Up Segment 15% Buffer
Performance Triggered
Annual
8% Performance triggered
1-Year Nasdaq-100 Step Up Segment 10% Buffer
Performance Triggered
Annual
11.8% Performance triggered
1-Year Russell 2000 Step Up Segment 15% Buffer
Performance Triggered
Annual
10.8% Performance triggered

Surrender schedule

Year 1 2 3 4 5 6
Penalty 7% 7% 6% 5% 4% 3%

Riders

Name Inbuilt Fee
Return of Premium Death Benefit No 0.20% annually

Waivers

Death

The withdrawal charge does not apply if the owner dies and a death benefit is payable to the beneficiary.

Nursing Home

Unavailable in states: MA

The withdrawal charge does not apply if an owner (or older joint owner, if applicable) has been confined to a nursing home for more than 90 days (or such other period, as required in your state) as verified by a licensed physician. A nursing home for this purpose means one that is (a) approved by Medicare as a pro-vider of skilled nursing care service, or (b) licensed as a skilled nursing home by the state or territory in which it is located (it must be within the United States, Puerto Rico, or U.S. Virgin Islands. Home Health Care acceptable as long as you have a physician's letter and 2 of 6 ADL.

Terminal Illness

Unavailable in states: MA

The withdrawal charge does not apply if we receive proof satisfactory to us (including certification by a licensed physician) that an owner’s (or older joint owner’s, if applicable) life expectancy is six months or less.

Disability

Unavailable in states: CT, and MA

The withdrawal charge does not apply if an owner (or older joint owner, if applicable) has qualified to receive Social Security disability benefits as certified by the Social Security Administration.

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

Free Withdrawal Amount
  • Access up to 10% of the beginning-of-contract-year account value free of withdrawal charges. 
  • Prior to the sixth Contract Date Anniversary, any amount withdrawn above the Free Withdrawal Amount during a Contract Year will be withdrawn in the following order: from Contributions (on a first-in, first-out (FIFO) basis) until exhausted; then, from earnings. 
  • On or after the sixth Contract Date Anniversary, any amount withdrawn above the Free Withdrawal Amount during a Contract Year will be withdrawn in the following order: 1) from Contributions to which a withdrawal charge no longer applies (on a FIFO basis) until exhausted, 2) from earnings (which are determined at the time they are deemed withdrawn) until exhausted, 3) from Contributions to which a withdrawal charge still applies (on a FIFO basis). 

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