# EDGAR Filing Document

**Accession Number:** 0002038891
**File Stem:** 0001193125-25-163018
**Filing Date:** 2025-7
**Character Count:** 7560
**Document Hash:** bfc4601598a7e2a3acb8afd5ee14a423
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-163018.hdr.sgml**: 20250723

**ACCESSION NUMBER**: 0001193125-25-163018

**CONFORMED SUBMISSION TYPE**: 497

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20250723

**DATE AS OF CHANGE**: 20250723

**EFFECTIVENESS DATE**: 20250723

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Equitable Financial Life Insurance Co (RILA)
- **CENTRAL INDEX KEY:** 0002039145

**ORGANIZATION NAME:**
- **EIN:** 135570651
- **STATE OF INCORPORATION:** NY
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-283587
- **FILM NUMBER:** 251141708

**BUSINESS ADDRESS:**
- **STREET 1:** 1345 AVENUE OF THE AMERICAS
- **STREET 2:** LEGAL DEPT.
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10105
- **BUSINESS PHONE:** 9803088245

**MAIL ADDRESS:**
- **STREET 1:** 8501 IBM DRIVE
- **STREET 2:** SUITE 150 MAIL DROP PS-16
- **CITY:** CHARLOTTE
- **STATE:** NC
- **ZIP:** 28078
**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Equitable Financial Life Insurance Co of America (RILA)
- **CENTRAL INDEX KEY:** 0002038891

**ORGANIZATION NAME:**
- **EIN:** 860222062
- **STATE OF INCORPORATION:** AZ
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-283588
- **FILM NUMBER:** 251141709

**BUSINESS ADDRESS:**
- **STREET 1:** 3030 N. THIRD STREET
- **STREET 2:** SUITE 790
- **CITY:** PHOENIX
- **STATE:** AZ
- **ZIP:** 85012
- **BUSINESS PHONE:** 9803088245

**MAIL ADDRESS:**
- **STREET 1:** 8501 IBM DRIVE
- **STREET 2:** SUITE 150 MAIL DROP PS-16
- **CITY:** CHARLOTTE
- **STATE:** NC
- **ZIP:** 28078

## Series and Classes Contracts Data

### Equitable Financial Life Insurance Co of America (RILA) (Series ID: S000089337)

---

|  |  |
|:---|:---|
| Class Name                               | Class ID   |
| Structured Capital Strategies PLUS       | C000257545 |
| Structured Capital Strategies PLUS Guard | C000257546 |

---

### Equitable Financial Life Insurance Co (RILA) (Series ID: S000089338)

---

|  |  |
|:---|:---|
| Class Name                               | Class ID   |
| Structured Capital Strategies PLUS       | C000257543 |
| Structured Capital Strategies PLUS Guard | C000257544 |

---

## Series and Classes Contracts Data

### Equitable Financial Life Insurance Co of America (RILA) (Series ID: S000089337)

| Class ID   | Class Name                               | Ticker Symbol   |
|:---|:---|:---|
| C000257545 | Structured Capital Strategies PLUS       |  |
| C000257546 | Structured Capital Strategies PLUS Guard |  |

### Equitable Financial Life Insurance Co (RILA) (Series ID: S000089338)

| Class ID   | Class Name                               | Ticker Symbol   |
|:---|:---|:---|
| C000257543 | Structured Capital Strategies PLUS       |  |
| C000257544 | Structured Capital Strategies PLUS Guard |  |

Equitable Financial Life Insurance Company of America

Equitable Financial Life Insurance Company

**Supplement dated July 23, 2025 to the Structured Capital Strategies**<sup>®</sup> **PLUS and Structured Capital Strategies**<sup>®</sup> **PLUS Guard<sup>SM</sup> Prospectus, Initial Summary Prospectus, and Updating Summary Prospectus dated May 1, 2025** 

This Supplement modifies certain information in the most recent prospectus, initial summary prospectus and updating summary prospectus (collectively, the "Prospectus"). You should read this Supplement in conjunction with your Prospectus and retain it for future reference. The terms we use in this Supplement have the same meaning as in the Prospectus. We will send you another copy of any Prospectus or supplement without charge upon request. Please contact the customer service center at 877-522-5035.

*The following hereby replaces the corresponding paragraph on the cover page of the initial summary prospectus where applicable:*

**We reserve the right to stop accepting any application or contributions from you at any time, including after you purchase the contract. We reserve the right to discontinue the acceptance of, and/or place additional limitations on, contributions into certain investment options, including any or all of the Segments of the SIO. If we exercise this right, your ability to invest in your contract increase your account value and, consequently, increase your death benefit, will be limited to investing in the EQ/Balanced Strategy or EQ/Money Market.** 

*The following hereby replaces the corresponding paragraph in "Important Information You Should Consider About the Contract - Restrictions" where applicable:*

We can refuse to accept any application or contribution from you at any time, including after you purchase the contract. We reserve the right to discontinue the acceptance of, and/or place additional limitations on, contributions into certain investment options, including any or all of the Segments comprising the SIO. If we exercise this right, your ability to invest in your contract, increase your account value and, consequently, increase your death benefit, will be limited.

*The following hereby replaces the corresponding paragraphs in "Principal risks of investing in the contract – Withdrawals and Surrenders" where applicable:*

• Withdrawals and surrenders may be subject to withdrawal charges, income taxes, and tax penalties.

• Withdrawals will reduce your account value and death benefit and the amount of the reduction in the Return of Premium death benefit may be greater than the dollar amount of the withdrawal.

• If you take a withdrawal or surrender from a Segment prior to Segment maturity you may receive less than the amount invested and less than the amount you would receive had you held the investment until Segment maturity.
See "Segment Interim Value" above.

• If your account value falls below the applicable minimum account size as a result of a withdrawal, the contract will terminate.

• If you take a withdrawal or surrender your contract, any applicable withdrawal charge is calculated as a percentage of contributions, not account value. It is possible that the percentage of account value withdrawn
could exceed the applicable withdrawal charge percentage. For example, assume you make a onetime contribution of $1,000 at contract issue. If your account value is $800 in contract year 3 and you surrender your contract, a withdrawal charge
percentage of 5% is applied. The withdrawal charge would be $50 (5% of the $1,000 contribution). This is a 6.25% reduction of your account value, which results in a cash value of $750 paid to you.

• We may apply fees if you access your account value during the accumulation period or surrender your contract. For example, in addition to possible tax consequences, you may incur fees for accessing your account value
such as a withdrawal charge, transfer fee, third party transfer or exchange fee and/or a charge for any optional benefits.

• Withdrawals may be subject to income taxes and tax penalties. The minimum partial withdrawal amount is $300. Withdrawals will reduce your account value and optional benefit and the amount of the reduction may be greater
than the dollar amount of the withdrawal. Excess Withdrawals may terminate or significantly reduce the value of your optional benefits. Certain withdrawals may also terminate your contract.

Structured Capital Strategies<sup>®</sup> PLUS New Biz/In-Force Catalog No. 800238 (7/25) <br> Structured Capital Strategies <sup>®</sup> PLUS Guard<sup>SM</sup> New Biz/In-Force #51278