4.6
based on complex data
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Annuity review
Structured Capital Strategies Premier Series B
Carrying a rich history dating all the way back to 1859, founded as the Equitable Life Assurance Society of the United States, Equitable Financial Life Insurance Company of America serves as a subsidiary of the broader Equitable Holdings, Inc. organization. The company has become a key provider of life insurance, annuities, and other retirement planning solutions across the US. Designed to help investors and their families find financial well-being through a variety of products, Equitable Financial’s offerings cater to the unique preferences of their distinctive customer base.
Structured Capital Strategies Premier Series B
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About Product
Type
Registered Index-Linked
Purpose
Accumulation & Legacy
Term
6 Years
Surrender schedule
8%
8%
7%
6%
5%
4%
Fee withdrawal:
10%
Flexible premium
Product Life
Market Value Adjustment
No
Return Of Premium
No
Minimum Contribution
$25,000
Maximum Contribution
$2,500,000
Max Age Qualified
85
Types Of Funds
Non-Qualified, Traditional IRA, SEP IRA, IRA-Roth, Inherited IRA, NQ Stretch, Roth Conversion (Partial), and Roth Conversion (Full)
Launch Date
09/22/2025
Structured Capital Strategies Premier is a tax-deferred registered index-linked annuity designed to elevate your retirement planning. It offers growth opportunities through a broad selection of index-linked investment options, along with levels of protection to help manage market risk. You can lock in gains, adjust your strategy as your needs evolve and access legacy planning features to help support your long-term goals
Available in states:
AL, AK, AZ, AR, 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 |
|---|---|---|
| 1-Year S&P 500 Dual Step Tier Segment with 10% Buffer |
Dual Direction Trigger With Cap
Annual
|
14%
Cap
6%
Performance triggered
|
| 1-Year Russell 2000 Dual Step Tier Segment with 10% Buffer |
Dual Direction Trigger With Cap
Annual
|
16.5%
Cap
7%
Performance triggered
|
| 1-Year MSCI EAFE Dual Step Tier Segment with 10% Buffer |
Dual Direction Trigger With Cap
Annual
|
11%
Cap
6%
Performance triggered
|
| 1-Year Nasdaq-100 Dual Step Tier Segment with 10% Buffer |
Dual Direction Trigger With Cap
Annual
|
15.5%
Cap
7%
Performance triggered
|
| 6-Year Nasdaq-100 Dual Step Tier Segment with 10% Buffer |
Dual Direction Trigger With Cap
6-Year
|
75%
Cap
30%
Performance triggered
|
| 6-Year MSCI EAFE Dual Step Tier Segment with 10% Buffer |
Dual Direction Trigger With Cap
6-Year
|
65%
Cap
25%
Performance triggered
|
| 6-Year Russell 2000 Dual Step Tier Segment with 10% Buffer |
Dual Direction Trigger With Cap
6-Year
|
75%
Cap
30%
Performance triggered
|
| 6-Year S&P 500 Dual Step Tier Segment with 10% Buffer |
Dual Direction Trigger With Cap
6-Year
|
75%
Cap
30%
Performance triggered
|
| 6-Year S&P 500 Dual Step Tier Segment with 20% Buffer |
Dual Direction Trigger With Cap
6-Year
|
65%
Cap
25%
Performance triggered
|
| 6-Year Russell 2000 Dual Step Tier Segment with 20% Buffer |
Dual Direction Trigger With Cap
6-Year
|
65%
Cap
25%
Performance triggered
|
| 6-Year MSCI EAFE Dual Step Tier Segment with 20% Buffer |
Dual Direction Trigger With Cap
6-Year
|
55%
Cap
20%
Performance triggered
|
| 6-Year Nasdaq-100 Dual Step Tier Segment with 20% Buffer |
Dual Direction Trigger With Cap
6-Year
|
65%
Cap
25%
Performance triggered
|
| 1-Year Nasdaq-100 Dual Step Up Segment with 15% Buffer |
Dual Direction Trigger
Annual
|
9.5%
Performance triggered
|
| 1-Year Nasdaq-100 Dual Step Up Segment with 10% Buffer |
Dual Direction Trigger
Annual
|
11.5%
Performance triggered
|
| 1-Year MSCI EAFE Dual Step Up Segment with 15% Buffer |
Dual Direction Trigger
Annual
|
7%
Performance triggered
|
| 1-Year MSCI EAFE Dual Step Up Segment with 10% Buffer |
Dual Direction Trigger
Annual
|
8.5%
Performance triggered
|
| 1-Year Russell 2000 Dual Step Up Segment with 15% Buffer |
Dual Direction Trigger
Annual
|
9.5%
Performance triggered
|
| 1-Year Russell 2000 Dual Step Up Segment with 10% Buffer |
Dual Direction Trigger
Annual
|
11.5%
Performance triggered
|
| 1-Year S&P 500 Dual Step Up Segment with 15% Buffer |
Dual Direction Trigger
Annual
|
8.5%
Performance triggered
|
| 1-Year S&P 500 Dual Step Up Segment with 10% Buffer |
Dual Direction Trigger
Annual
|
10%
Performance triggered
|
| 1-Year S&P 500 Dual Step Up Segment with 40% Buffer |
Dual Direction Trigger
Annual
|
5.5%
Performance triggered
|
| 1-Year S&P 500 Dual Step Up Segment with 20% Buffer |
Dual Direction Trigger
Annual
|
7.5%
Performance triggered
|
| 1-Year Russell 2000 Dual Step Up Segment with 40% Buffer |
Dual Direction Trigger
Annual
|
5.5%
Performance triggered
|
| 1-Year Russell 2000 Dual Step Up Segment with 20% Buffer |
Dual Direction Trigger
Annual
|
8%
Performance triggered
|
| 1-Year MSCI EAFE Dual Step Up Segment with 40% Buffer |
Dual Direction Trigger
Annual
|
5%
Performance triggered
|
| 1-Year MSCI EAFE Dual Step Up Segment with 20% Buffer |
Dual Direction Trigger
Annual
|
6%
Performance triggered
|
| 1-Year Nasdaq-100 Dual Step Up Segment with 40% Buffer |
Dual Direction Trigger
Annual
|
5.5%
Performance triggered
|
| 1-Year Nasdaq-100 Dual Step Up Segment with 20% Buffer |
Dual Direction Trigger
Annual
|
8%
Performance triggered
|
| 6-Year S&P 500 Dual Step Up Segment with 10% Buffer |
Dual Direction Trigger
6-Year
|
55%
Performance triggered
|
| 6-Year Russell 2000 Dual Step Up Segment with 10% Buffer |
Dual Direction Trigger
6-Year
|
55%
Performance triggered
|
| 6-Year MSCI EAFE Dual Step Up Segment with 10% Buffer |
Dual Direction Trigger
6-Year
|
55%
Performance triggered
|
| 6-Year Nasdaq-100 Dual Step Up Segment with 10% Buffer |
Dual Direction Trigger
6-Year
|
55%
Performance triggered
|
| 6-Year Nasdaq-100 Dual Step Up Segment with 20% Buffer |
Dual Direction Trigger
6-Year
|
45%
Performance triggered
|
| 6-Year MSCI EAFE Dual Step Up Segment with 20% Buffer |
Dual Direction Trigger
6-Year
|
45%
Performance triggered
|
| 6-Year Russell 2000 Dual Step Up Segment with 20% Buffer |
Dual Direction Trigger
6-Year
|
45%
Performance triggered
|
| 6-Year S&P 500 Dual Step Up Segment with 20% Buffer |
Dual Direction Trigger
6-Year
|
45%
Performance triggered
|
| 6-Year S&P 500 Dual Step Up Segment with 40% Buffer |
Dual Direction Trigger
6-Year
|
35%
Performance triggered
|
| 6-Year Russell 2000 Dual Step Up Segment with 40% Buffer |
Dual Direction Trigger
6-Year
|
35%
Performance triggered
|
| 6-Year MSCI EAFE Dual Step Up Segment with 40% Buffer |
Dual Direction Trigger
6-Year
|
35%
Performance triggered
|
| 6-Year Nasdaq-100 Dual Step Up Segment with 40% Buffer |
Dual Direction Trigger
6-Year
|
35%
Performance triggered
|
| 1-Year Nasdaq-100 Dual Direction Cap with 15% Buffer |
Dual Directional
Annual
|
12%
Cap
|
| 1-Year MSCI EAFE 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
|
13%
Cap
|
| 1-Year S&P 500 Dual Direction Cap with 15% Buffer |
Dual Directional
Annual
|
11%
Cap
|
| 1-Year Nasdaq-100 Dual Direction Cap with 10% Buffer |
Dual Directional
Annual
|
17%
Cap
|
| 1-Year MSCI EAFE Dual Direction Cap with 10% Buffer |
Dual Directional
Annual
|
16%
Cap
|
| 1-Year Russell 2000 Dual Direction Cap with 10% Buffer |
Dual Directional
Annual
|
20%
Cap
|
| 1-Year S&P 500 Dual Direction Cap with 10% Buffer |
Dual Directional
Annual
|
15%
Cap
|
| 1-Year S&P 500 Dual Direction Cap with 20% Buffer |
Dual Directional
Annual
|
8%
Cap
|
| 1-Year Russell 2000 Dual Direction Cap with 20% Buffer |
Dual Directional
Annual
|
8%
Cap
|
| 1-Year MSCI EAFE Dual Direction Cap with 20% Buffer |
Dual Directional
Annual
|
6.5%
Cap
|
| 1-Year Nasdaq-100 Dual Direction Cap with 20% Buffer |
Dual Directional
Annual
|
8.5%
Cap
|
| 6-Year Russell 2000 Dual Direction Participation Rate with Cap with 10% Buffer |
Dual Directional
6-Year
|
116%
Participation
|
| 6-Year MSCI EAFE Dual Direction Participation Rate with Cap with 10% Buffer |
Dual Directional
6-Year
|
120%
Participation
500%
Cap
|
| 6-Year Nasdaq-100 Dual Direction Participation Rate with Cap with 10% Buffer |
Dual Directional
6-Year
|
118%
Participation
140%
Cap
|
| 6-Year Nasdaq-100 Dual Direction Participation Rate with Cap with 15% Buffer |
Dual Directional
6-Year
|
115%
Participation
120%
Cap
|
| 6-Year MSCI EAFE Dual Direction Participation Rate with Cap with 15% Buffer |
Dual Directional
6-Year
|
115%
Participation
400%
Cap
|
| 6-Year Russell 2000 Dual Direction Participation Rate with Cap with 15% Buffer |
Dual Directional
6-Year
|
115%
Participation
150%
Cap
|
| 6-Year S&P 500 Dual Direction Participation Rate with Cap with 15% Buffer |
Dual Directional
6-Year
|
115%
Participation
110%
Cap
|
| 6-Year S&P 500 Dual Direction Participation Rate with Cap with 20% Buffer |
Dual Directional
6-Year
|
115%
Participation
90%
Cap
|
| 6-Year Russell 2000 Dual Direction Participation Rate with Cap with 20% Buffer |
Dual Directional
6-Year
|
115%
Participation
130%
Cap
|
| 6-Year MSCI EAFE Dual Direction Participation Rate with Cap with 20% Buffer |
Dual Directional
6-Year
|
110%
Participation
350%
Cap
|
| 6-Year Nasdaq-100 Dual Direction Participation Rate with Cap with 20% Buffer |
Dual Directional
6-Year
|
115%
Participation
100%
Cap
|
| 6-Year Nasdaq-100 Dual Direction Participation Rate with Cap with 40% Buffer |
Dual Directional
6-Year
|
105%
Participation
65%
Cap
|
| 6-Year MSCI EAFE Dual Direction Participation Rate with Cap with 40% Buffer |
Dual Directional
6-Year
|
105%
Participation
110%
Cap
|
| 6-Year Russell 2000 Dual Direction Participation Rate with Cap with 40% Buffer |
Dual Directional
6-Year
|
105%
Participation
75%
Cap
|
| 6-Year S&P 500 Dual Direction Participation Rate with Cap with 40% Buffer |
Dual Directional
6-Year
|
105%
Participation
55%
Cap
|
| 6-Year S&P 500 Dual Direction Participation Rate with Cap with 10% Buffer |
Dual Directional
6-Year
|
115%
Participation
|
| 1-Year Fixed Account |
Fixed
|
3.25%
Fixed
|
| 1-Year Fixed Account Special Dollar Cap Averaging (6-month) |
Fixed
|
3.5%
Fixed
|
| 1-Year Fixed Account Special Dollar Cap Averaging (3-month) |
Fixed
|
3.75%
Fixed
|
| 1-Year Nasdaq-100 PTP Cap with 40% Buffer |
Point to Point
Annual
|
10%
Cap
|
| 1-Year Nasdaq-100 PTP Cap with 20% Buffer |
Point to Point
Annual
|
15%
Cap
|
| 1-Year MSCI EAFE PTP Cap with 40% Buffer |
Point to Point
Annual
|
11%
Cap
|
| 1-Year MSCI EAFE PTP Cap with 20% Buffer |
Point to Point
Annual
|
16%
Cap
|
| 1-Year Russell 2000 PTP Cap with 40% Buffer |
Point to Point
Annual
|
11.5%
Cap
|
| 1-Year Russell 2000 PTP Cap with 20% Buffer |
Point to Point
Annual
|
17%
Cap
|
| 1-Year Russell 2000 PTP Cap with 15% Buffer |
Point to Point
Annual
|
21%
Cap
|
| 1-Year Russell 2000 PTP Cap with 10% Buffer |
Point to Point
Annual
|
28%
Cap
|
| 1-Year MSCI EAFE PTP Cap with 15% Buffer |
Point to Point
Annual
|
21.5%
Cap
|
| 1-Year MSCI EAFE PTP Cap with 10% Buffer |
Point to Point
Annual
|
30%
Cap
|
| 1-Year Nasdaq-100 PTP Cap with 15% Buffer |
Point to Point
Annual
|
17%
Cap
|
| 1-Year Nasdaq-100 PTP Cap with 10% Buffer |
Point to Point
Annual
|
21%
Cap
|
| 1-Year S&P 500 PTP Cap with 10% Buffer |
Point to Point
Annual
|
21%
Cap
|
| 1-Year S&P 500 PTP Cap with 15% Buffer |
Point to Point
Annual
|
16%
Cap
|
| 1-Year S&P 500 PTP Cap with 20% Buffer |
Point to Point
Annual
|
13.5%
Cap
|
| 1-Year S&P 500 PTP Cap with 40% Buffer |
Point to Point
Annual
|
9%
Cap
|
| 1-Year S&P 500 Enhanced Upside 125% Participation Rate with Cap with 10% Buffer |
Point to Point
Annual
|
125%
Participation
16.5%
Cap
|
| 6-Year Nasdaq-100 PTP Participation Rate with Cap with 40% Buffer |
Point to Point
6-Year
|
105%
Participation
85%
Cap
|
| 6-Year Nasdaq-100 PTP Participation Rate with Cap with 20% Buffer |
Point to Point
6-Year
|
115%
Participation
120%
Cap
|
| 6-Year Nasdaq-100 PTP Participation Rate with Cap with 15% Buffer |
Point to Point
6-Year
|
115%
Participation
140%
Cap
|
| 6-Year Nasdaq-100 PTP Participation Rate with Cap with 10% Buffer |
Point to Point
6-Year
|
120%
Participation
150%
Cap
|
| 6-Year MSCI EAFE PTP Participation Rate with Cap with 40% Buffer |
Point to Point
6-Year
|
115%
Participation
150%
Cap
|
| 6-Year MSCI EAFE PTP Participation Rate with Cap with 20% Buffer |
Point to Point
6-Year
|
125%
Participation
|
| 6-Year MSCI EAFE PTP Participation Rate with Cap with 15% Buffer |
Point to Point
6-Year
|
130%
Participation
|
| 6-Year MSCI EAFE PTP Participation Rate with Cap with 10% Buffer |
Point to Point
6-Year
|
135%
Participation
|
| 6-Year Russell 2000 PTP Participation Rate with Cap with 40% Buffer |
Point to Point
6-Year
|
105%
Participation
95%
Cap
|
| 6-Year Russell 2000 PTP Participation Rate with Cap with 20% Buffer |
Point to Point
6-Year
|
115%
Participation
155%
Cap
|
| 6-Year Russell 2000 PTP Participation Rate with Cap with 15% Buffer |
Point to Point
6-Year
|
115%
Participation
|
| 6-Year Russell 2000 PTP Participation Rate with Cap with 10% Buffer |
Point to Point
6-Year
|
118%
Participation
|
| 6-Year S&P 500 PTP Participation Rate with Cap with 10% Buffer |
Point to Point
6-Year
|
117%
Participation
|
| 6-Year S&P 500 PTP Participation Rate with Cap with 15% Buffer |
Point to Point
6-Year
|
112%
Participation
175%
Cap
|
| 6-Year S&P 500 PTP Participation Rate with Cap with 20% Buffer |
Point to Point
6-Year
|
110%
Participation
150%
Cap
|
| 6-Year S&P 500 PTP Participation Rate with Cap with 40% Buffer |
Point to Point
6-Year
|
105%
Participation
90%
Cap
|
| 1-Year Nasdaq-100 Step Up Segment with 40% Buffer |
Performance Triggered
Annual
|
8%
Performance triggered
|
| 1-Year MSCI EAFE Step Up Segment with 40% Buffer |
Performance Triggered
Annual
|
7.5%
Performance triggered
|
| 1-Year Russell 2000 Step Up Segment with 40% Buffer |
Performance Triggered
Annual
|
9.5%
Performance triggered
|
| 1-Year S&P 500 Step Up Segment with 40% Buffer |
Performance Triggered
Annual
|
8%
Performance triggered
|
| 1-Year S&P 500 Step Up Segment with 20% Buffer |
Performance Triggered
Annual
|
10%
Performance triggered
|
| 1-Year Russell 2000 Step Up Segment with 20% Buffer |
Performance Triggered
Annual
|
12%
Performance triggered
|
| 1-Year MSCI EAFE Step Up Segment with 20% Buffer |
Performance Triggered
Annual
|
9%
Performance triggered
|
| 1-Year Nasdaq-100 Step Up Segment with 20% Buffer |
Performance Triggered
Annual
|
11%
Performance triggered
|
| 1-Year Nasdaq-100 Step Up Segment with 15% Buffer |
Performance Triggered
Annual
|
12%
Performance triggered
|
| 1-Year MSCI EAFE Step Up Segment with 15% Buffer |
Performance Triggered
Annual
|
10%
Performance triggered
|
| 1-Year Russell 2000 Step Up Segment with 15% Buffer |
Performance Triggered
Annual
|
13.5%
Performance triggered
|
| 1-Year S&P 500 Step Up Segment with 15% Buffer |
Performance Triggered
Annual
|
11%
Performance triggered
|
| 1-Year S&P 500 Step Up Segment with 10% Buffer |
Performance Triggered
Annual
|
12.5%
Performance triggered
|
| 1-Year Russell 2000 Step Up Segment with 10% Buffer |
Performance Triggered
Annual
|
15%
Performance triggered
|
| 1-Year MSCI EAFE Step Up Segment with 10% Buffer |
Performance Triggered
Annual
|
10.5%
Performance triggered
|
| 1-Year Nasdaq-100 Step Up Segment with 10% Buffer |
Performance Triggered
Annual
|
14%
Performance triggered
|
| 6-Year S&P 500 Step Up Segment with 10% Buffer |
Performance Triggered
6-Year
|
60%
Performance triggered
|
| 6-Year S&P 500 Step Up Segment with 40% Buffer |
Performance Triggered
6-Year
|
45%
Performance triggered
|
| 6-Year S&P 500 Step Up Segment with 20% Buffer |
Performance Triggered
6-Year
|
55%
Performance triggered
|
| 6-Year S&P 500 Best Entry Cap with 10% Buffer |
Best Entry (4 observation days)
6-Year
|
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 |
|---|---|---|---|---|---|---|
| Penalty | 8% | 8% | 7% | 6% | 5% | 4% |
Riders
| Name | Inbuilt | Fee |
|---|---|---|
| Highest Anniversary Value Death Benefit | No | 0.25% annually |
| Greater Of Roll-Up or Highest Anniversary Value Death Benefit | No | 0.75% annually |
Waivers
Death
The withdrawal charge does not apply if the owner dies and a death benefit is payable to the beneficiary.
Nursing Home
The withdrawal charge also 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 provider 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) and meets all of the following: — its main function is to provide skilled, intermediate, or custodial nursing care; — it provides continuous room and board to three or more persons; — it is supervised by a registered nurse or licensed practical nurse; — it keeps daily medical records of each patient; — it controls and records all medications dispensed; — its primary service is other than to provide housing for residents.
Terminal Illness
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.
RMD
Automatic RMD withdrawal service is available. Beginning in the calendar year in which you reach the applicable RMD age under federal tax law, you will receive an annual RMD payment in December when you enroll in the RMD program. withdrawals that are distributed through the program that are in excess of the free withdrawal amount are not subject to withdrawal charges. Withdrawn money is taken in the same order as partial withdrawals
Premium Notes
Issue ages
- 0–85 for Non-Qualified (NQ)
- 0–85 for Traditional IRA
- 0–85 for Roth IRA
- 0–75 for Inherited IRA (Traditional & Roth
- 20–85 for SEP IRA
Contribution Minimum $25000
Contribution Maximum $2500000
Contribution Minimum Additional
Contribution Maximum $2500000
Contribution Minimum Additional
- Nonqualified Funds and Qualified Plans: $500
- Roth IRA, Traditional IRA and SEP IRA: $50
- Inherited NQ and IRA: $1,000
Withdrawal Provisions
WithdrawalWithdrawals 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 Program Standard systematic withdrawal service program to allow specified percentage or dollar amount withdrawals.Frequency: withdrawals may be taken monthly, quarterly or annually. 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 and 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: from Contributions to which a withdrawal charge no longer applies (on a FIFO basis) until exhausted; from earnings (which are determined at the time they are deemed withdrawn) until exhausted; from Contributions to which a withdrawal charge still applies (on a FIFO basis).
Company Founded: 1859
Excellent Rated
Company
Company Ratings
4.1
- A.M. Best A
- S&P A+
- Moody's A1
- Comdex 84
Assets: $17,770,279,563
Arizona
