Equitable Financial Life Insurance Company of America

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Structured Capital Strategies Plus 21 Series B

The Structured Capital Strategies Plus 21 Series B is a solid choice for worry-free retirement planning. Its market protection feature gives peace of mind, knowing your investment is guarded against market downturns.

Plus, it offers flexibility in making investment choices, allowing you to align with your financial goals. Tailor-fit your retirement with Structured Capital Strategies Plus 21 Series B.

Structured Capital Strategies Plus 21 Series B

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About Product

Type

Registered Index-Linked

Purpose

Accumulation & Legacy

Term

6 Years

Surrender schedule

Fee withdrawal:

10%

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	45% Cap
1-Year S&P 500 Loss Limiter 90 Cap 10% Buffer	Loss Limiter 90 Annual	8.5% Cap
1-Year S&P 500 Dual Step Up Segment 15% Buffer	Dual Step Up Annual	6% Performance triggered
1-Year S&P 500 Dual Step Up Segment 10% Buffer	Dual Step Up Annual	7.3% Performance triggered
1-Year Russell 2000 Dual Step Up Segment 10% Buffer	Dual Step Up Annual	9.5% Performance triggered
1-Year Russell 2000 Dual Step Up Segment 15% Buffer	Dual Step Up Annual	7.5% 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% Performance triggered
1-Year Nasdaq-100 Dual Step Up Segment 15% Buffer	Dual Step Up Annual	7.2% 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% Cap
1-Year S&P 500 Dual Direction Cap 15% Buffer	Dual Directional Annual	7% Cap
1-Year Russell 2000 Dual Direction Cap 15% Buffer	Dual Directional Annual	9.5% 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	13.5% Cap
1-Year Nasdaq-100 Dual Direction Cap 15% Buffer	Dual Directional Annual	9% 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	15% Cap
1-Year EURO STOXX 50 PTP Cap 15% Buffer	Point to Point Annual	14.5% 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	10.5% Cap
1-Year EURO STOXX 50 PTP Cap 10% Buffer	Point to Point Annual	21% Cap
1-Year MSCI Emerging Markets PTP Cap 10% Buffer	Point to Point Annual	21.5% Cap
1-Year Nasdaq-100 PTP Cap 10% Buffer	Point to Point Annual	16.5% Cap
1-Year MSCI EAFE PTP Cap 10% Buffer	Point to Point Annual	19% Cap
1-Year Russell 2000 PTP Cap 10% Buffer	Point to Point Annual	18.5% Cap
1-Year Russell 2000 PTP Cap 40% Buffer	Point to Point Annual	9% 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% 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% Cap
1-Year Russell 2000 PTP Cap 15% Buffer	Point to Point Annual	14.5% Cap
1-Year Russell 2000 PTP Cap 20% Buffer	Point to Point Annual	12.5% Cap
1-Year S&P 500 PTP Cap 10% Buffer	Point to Point Annual	12.5% Cap
1-Year Nasdaq-100 PTP Cap 40% Buffer	Point to Point Annual	8% Cap
1-Year MSCI EAFE PTP Cap 15% Buffer	Point to Point Annual	12.5% Cap
1-Year MSCI EAFE PTP Cap 20% Buffer	Point to Point Annual	10.5% Cap
1-Year MSCI EAFE PTP Cap 40% Buffer	Point to Point Annual	7.5% Cap
1-Year Nasdaq-100 PTP Cap 20% Buffer	Point to Point Annual	11.5% Cap
1-Year Nasdaq-100 PTP Cap 15% Buffer	Point to Point Annual	13% 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% Performance triggered
1-Year Nasdaq-100 Step Up Segment 15% Buffer	Performance Triggered Annual	9.7% Performance triggered
1-Year S&P 500 Step Up Segment 10% Buffer	Performance Triggered Annual	9% Performance triggered
1-Year Russell 2000 Step Up Segment 10% Buffer	Performance Triggered Annual	12.8% Performance triggered
1-Year S&P 500 Step Up Segment 15% Buffer	Performance Triggered Annual	8% 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	7.8% Performance triggered
1-Year Nasdaq-100 Step Up Segment 10% Buffer	Performance Triggered Annual	11.3% Performance triggered
1-Year Russell 2000 Step Up Segment 15% Buffer	Performance Triggered Annual	10.5% 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 AmountAccess 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).

Company Founded: 1859

Excellent Rated Company

Equitable Financial Life Insurance Company of America

Company Ratings

4.1