# EDGAR Filing Document

**Accession Number:** 0000089024
**File Stem:** 0001193125-26-175109
**Filing Date:** 2026-4
**Character Count:** 20413
**Document Hash:** 93f43f78de2feff10b44a4d9108946ec
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-175109.hdr.sgml**: 20260424

**ACCESSION NUMBER**: 0001193125-26-175109

**CONFORMED SUBMISSION TYPE**: N-VP

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260424

**DATE AS OF CHANGE**: 20260424

**EFFECTIVENESS DATE**: 20260424

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SEPARATE ACCOUNT A
- **CENTRAL INDEX KEY:** 0000089024

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

**FILING VALUES:**
- **FORM TYPE:** N-VP
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-141292
- **FILM NUMBER:** 26890545

**BUSINESS ADDRESS:**
- **STREET 1:** 1345 AVE OF THE AMERICAS
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10105
- **BUSINESS PHONE:** 2126416277

**MAIL ADDRESS:**
- **STREET 1:** 1345 AVE OF THE AMERICAS
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10105

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** SEPARATE ACCOUNT A OF EQUITABLE FINANCIAL LIFE INSURANCE CO
- **DATE OF NAME CHANGE:** 20200615

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** SEPARATE ACCOUNT A OF AXA EQUITABLE LIFE INSURANCE CO
- **DATE OF NAME CHANGE:** 20050822

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** SEPARATE ACCOUNT A OF EQUITABLE LIFE ASSU SOC OF THE US
- **DATE OF NAME CHANGE:** 19940329

## Series and Classes Contracts Data

### SEPARATE ACCOUNT A (Series ID: S000009119)

| Class ID   | Class Name    | Ticker Symbol   |
|:---|:---|:---|
| C000048913 | At Retirement |  |

At Retirement<sup>SM</sup> Variable Annuity

**Equitable Financial Life Insurance Company** 

**Issued through: Separate Account A** 

**Modern Alternative Disclosure Annual Notice** 

**May 1, 2026** 

This Modern Alternative Disclosure Annual Notice ("Annual Notice") provides certain updated information about your contract. In addition, this Annual Notice provides important information about your contract that you should review, including a list of Investment options available under your contract. Please read this Annual Notice carefully and retain it with your contract prospectus for future reference. Equitable Financial Life Insurance Company is providing this Annual Notice in reliance on the Securities and Exchange Commission's position on modernized alternative disclosures for variable insurance products.

The most recent contract prospectus, dated May 1, 2016, contains more information about the contract, including its features, benefits, and risks. You can find the prospectuses for the Portfolio Companies listed in the appendix to this Annual Notice, the most recent audited financial statements of the separate account, and other information about the contract online at www.equitable.com/ICSR#EQH146657. You can also obtain this information at no cost by calling 1-877-522-5035.

All guarantees are subject to the Company's financial strength and claims paying ability.

Additional general information about certain investment products, including variable annuities, has been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov.

Cat #146657MAD (05/26) <br>

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Updated Information About the Contract

The information in this Annual Notice is a summary of certain contract features that have changed since the most recent prospectus dated May 1, 2016. This may not reflect all of the changes that have occurred since you entered into your contract.

**INVESTMENT OPTIONS** 

There have been changes to the Appendix listing the Investment options available under the contract in this Annual Notice.

For contracts issued on or after July 20, 2009:

Effective January 9, 2026, the EQ/AB Short Duration Government Bond and EQ/Equity 500 Index variable investment options were closed to new investments.

***2***

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Important Information You Should Consider About the Contract

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| | |
|:---|:---|
| **FEES AND EXPENSES** | **FEES AND EXPENSES** |
| **Are There Transaction Charges?** | **No.** There is no withdrawal charge under the contract. |
| **Are There Ongoing Fees and Expenses?** | **Yes.** You may be charged for other transactions (for special requests such as wire transfers, express mail and duplicate contracts).<br>For additional information about transaction charges see "Charges and Expenses" in the Prospectus. |
| | The table below describes the fees and expenses that you may pay *each year*, depending on the investment options and optional benefits you choose. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected. |

---

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| | | |
|:---|:---|:---|
| **Annual Fee** | **Minimum** | **Maximum** |
| Base Contract<sup>(1)</sup> | 1.30% | 1.30% |
| Portfolio fees and expenses<sup>(2)</sup> (for contracts issued on or after July 20, 2009) | 0.54% | 0.97% |
| Portfolio fees and expenses<sup>(2)</sup> (for contracts issued prior to July 20, 2009) | 0.54% | 1.15% |
| Optional benefits available for an additional charge (for a single optional benefit, if elected)<sup>(3)</sup> | 0.00% | 0.90% |

---

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| |
|:---|
|  <sup>(1) </sup>Expressed as an annual percent of daily net assets in the variable investment options. |
|  <sup>(2) </sup>Expressed as an annual percentage of daily net assets in the Portfolio. This range is for the year ended December 31, 2025 and could change from year to year. |
|  <sup>(3) </sup>Expressed as an annual percentage of the applicable benefit base. |
| Because your contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your contract, the following table shows the lowest and highest cost you could pay *each year*, based on current charges. |

---

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| | |
|:---|:---|
| **For contracts issued on or after July 20, 2009** | **For contracts issued on or after July 20, 2009** |
| **Lowest Annual Cost**<br> **$2,910** | **Highest Annual Cost**<br> **$3,244**  |
| **For contracts issued prior to July 20, 2009** | **For contracts issued prior to July 20, 2009** |

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| | |
|:---|:---|
| **Lowest Annual Cost**<br> **$2,910** | **Highest Annual Cost**<br> **$3,308** |
| Assumes: | Assumes: |
| &nbsp;&nbsp; • Investment of $100,000<br>• 5% annual appreciation<br>• Least expensive combination of contract and Portfolio fees and expenses<br>• No optional benefits<br>• No sales charge<br>• No additional contributions, transfers or withdrawals<br>| &nbsp;&nbsp; • Investment of $100,000<br>• 5% annual appreciation<br>• Most expensive optional benefit (Annual Ratchet to age 85 death benefit) and Portfolio fees and expenses<br>• No sales charges<br>• No additional contributions, transfers or withdrawals<br>|
| For additional information about ongoing fees and expenses see "Fee Table" in the Prospectus. | For additional information about ongoing fees and expenses see "Fee Table" in the Prospectus. |

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***3***

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| | |
|:---|:---|
| **RISKS** | **RISKS** |
| **Is There a Risk of Loss from Poor Performance?** | **Yes.** The contract is subject to the risk of loss. You could lose some or all of your account value depending on the investment options you choose. |
| **Is this a Short-Term Investment?** | **No.** The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash because the contract is designed to provide for the accumulation of retirement savings and income on a long-term basis. As such, you should not use the contract as a short-term investment or savings vehicle. Withdrawals may be subject to federal and state income taxes and tax penalties.<br>For additional information about the investment profile of the contract see "Fee Table" in the Prospectus. |
| **What Are the Risks Associated with the Investment Options?** | An investment in the contract is subject to the risk of poor investment performance and can vary depending on the performance of the variable investment options available under the contract (*e.g.*, the Portfolios). Each investment option, has its own unique risks. You should review the investment options available under the contract before making an investment decision. |
| | For additional information about the risks associated with investment options see "What are your variable investment options under the contract?" and "Portfolios of the Trust" in "Contract features and benefits" in the Prospectus.<br>For more information on the Portfolios, please refer to Appendix: "Investment options available under the Contract" in this Annual Notice. |
| **What Are the Risks Related to the Insurance Company?** | An investment in the contract is subject to the risks related to the Company. The Company is solely responsible to the contract owner for the contract's account value and the Guaranteed benefits. The general obligations, including the fixed investment options, and any Guaranteed benefits under the contract are supported by our general account and are subject to our claims-paying ability. An owner should look solely to our financial strength for our claims-paying ability. More information about the Company, including our financial strength ratings, may be obtained at www.equitable.com/about-us/financialstrength-ratings. |
| | For additional information about insurance company risks see "About the general account" in "More information" in the Prospectus. |
| **RESTRICTIONS** | **RESTRICTIONS** |
| **Are There Restrictions on the Investment Options?** | **Yes.** We may, at any time, exercise our rights to limit or terminate your contributions, allocations and transfers to any of the variable investment options and to limit the number of variable investment options which you may select. Such rights include, among others, removing or substituting the Portfolios, combining any two or more variable investment options and transferring account value from any variable investment option to another variable investment option. |
|  | There are restrictions regarding investment options if the Guaranteed benefit is elected. See "Allocating your contributions" in "Contract features and benefits" and "Transferring your account value" in "Transferring your money among investment options" in the Prospectus for more information. |
|  | For more information see "About our Separate Account A" in "More information" in the Prospectus. |
|  | Currently, we do not charge for transfers among investment options under the contract. However, we reserve the right to limit the number, frequency, or dollar amount of transfers and to limit the number of variable investment options which you may elect. |
| | For additional information about the investment options, including information regarding volatility management strategies and techniques, see "Charges and expenses" and "Portfolios of the Trust" in "Contract features and benefits" in the Prospectus. |

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***4***

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| | |
|:---|:---|
| **Are There any Restrictions on Contract Benefits?** | **Yes.** At any time, we have the right to limit or terminate your contributions, allocations and transfers to any of the variable investment options. If you have one or more Guaranteed benefits (which are also known as optional benefits) and we exercise our right to discontinue the acceptance of, and/or place additional limitations on, contributions to the contract, you may no longer be able to fund your Guaranteed benefit(s). |
|  | Investment options are limited if Guaranteed benefits are elected. Withdrawals that exceed limits specified by the terms of an optional benefit may affect the availability of the benefit by reducing the benefit by an amount greater than the value withdrawn, and/or could terminate the benefit. |
|  | For additional information about the optional benefits see "How you can purchase and contribute to your contract" in "Contract features and benefits" in the Prospectus. See also "Guaranteed minimum death benefit", and "Guaranteed withdrawal benefit for life ("GWBL")" in "Contract features and benefits" in the Prospectus. |
| **TAXES** | **TAXES** |
| **What Are the Contract's Tax Implications?** | You should consult with a tax professional to determine the tax implications of an investment in, and payments received under, the contract. There is no additional tax benefit to you if the contract is purchased through a tax-qualified plan or individual retirement account (IRA). Withdrawals will be subject to ordinary income tax and may be subject to tax penalties. Generally, you are not taxed until you make a withdrawal from the contract. |
|  | For additional information about tax implications see "Tax Information" in the Prospectus. |
| **CONFLICTS OF INTEREST** | **CONFLICTS OF INTEREST** |
| **How Are Investment Professionals Compensated?** | Some financial professionals may receive compensation for selling the contract to you, both in the form of commissions or in the form of contribution-based compensation. Financial professionals may also receive additional compensation for enhanced marketing opportunities and other services (commonly referred to as "marketing allowances"). This conflict of interest may influence the financial professional to recommend this contract over another investment.<br>For additional information about compensation to financial professionals see "Distribution of the contracts" in "More information" in the Prospectus. |
| **Should I Exchange My Contract?** | Some financial professionals may have a financial incentive to offer a new contract in place of the one you already own. You should only exchange your contract if you determine, after comparing the features, fees, and risks of both contracts, as well as any fees or penalties to terminate your existing contract, that it is preferable to purchase the new contract rather than continue to own your existing contract. |
|  | For additional information about exchanges see "Contracts purchased through exchanges" and "1035 Exchanges" in "Tax Information" in the Prospectus. |

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***5***

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Appendix: Investment options available under the Contract

*Variable investment options* 

The following is a list of Portfolio Companies available under the contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at www.equitable.com/ICSR#EQH146657. You can request this information at no cost by calling 1-877-522-5035 or by sending an email request to EquitableFunds@dfinsolutions.com. If you elect a Guaranteed benefit, you may only invest in the Portfolios listed in the designated tables below.

The current expenses and performance information below reflects fee and expenses of the Portfolios, but do not reflect the other fees and expenses that your contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio's past performance is not necessarily an indication of future performance.

Not all variable investment options are available under all contracts. **If you purchased your contract prior to July 20, 2009, the following investment options are available under your contract.**

**Affiliated Portfolio Companies:** 

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | **Current**<br> **Expenses** |  | **Average Annual Total<br>Returns (as of 12/31/2025)** | **Average Annual Total<br>Returns (as of 12/31/2025)** | **Average Annual Total<br>Returns (as of 12/31/2025)** |
| <br>&nbsp;&nbsp;&nbsp;**TYPE** | <br>**Portfolio Company — Investment Adviser; *Sub-Adviser(s), as applicable*** | **Current**<br> **Expenses** |  | **1 year** | **5 year** | **10 year** |
| &nbsp;&nbsp;&nbsp;Fixed Income | EQ/AB Short Duration Government Bond — Equitable Investment Management Group, LLC ("EIMG"); *AllianceBernstein L.P.* | 0.77% | ^ | 4.17% | 2.11% | 1.56% |
| &nbsp;&nbsp;&nbsp;Asset Allocation | EQ/Aggressive Allocation† — EIMG | 1.15% |  | 12.97% | 7.79% | 9.47% |
| &nbsp;&nbsp;&nbsp;Asset Allocation | EQ/Aggressive Growth Strategy† — EIMG | 1.01% |  | 12.17% | 7.61% | 9.04% |
| &nbsp;&nbsp;&nbsp;Asset Allocation | EQ/Conservative Allocation† — EIMG | 1.00% | ^ | 7.48% | 1.74% | 3.11% |
| &nbsp;&nbsp;&nbsp;Asset Allocation | EQ/Conservative-Plus Allocation† — EIMG | 1.09% |  | 9.06% | 3.38% | 4.94% |
| &nbsp;&nbsp;&nbsp;Equity | EQ/Equity 500 Index — EIMG; *AllianceBernstein L.P.* | 0.53% | ^ | 17.23% | 13.79% | 14.15% |
| &nbsp;&nbsp;&nbsp;Asset Allocation | EQ/Moderate Allocation† — EIMG | 1.08% |  | 10.25% | 4.14% | 5.78% |
| &nbsp;&nbsp;&nbsp;Asset Allocation | EQ/Moderate-Plus Allocation† — EIMG | 1.11% |  | 11.50% | 5.88% | 7.67% |

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^ This Portfolio's annual expenses reflect temporary fee reductions.

† EQ Managed Volatility Portfolios that include the EQ volatility management strategy as part of their investment objective
and/or principal investment strategy, and the EQ/affiliated Fund of Fund Portfolios that invest in Portfolios that use the EQ volatility management strategy, are identified in the chart by a "†". See "Portfolios of the
Trusts" for more information regarding volatility management.

***GUARANTEED WITHDRAWAL BENEFIT FOR LIFE ("GWBL") investment options for contracts issued prior to July 20, 2009:***

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| | |
|:---|:---|
| EQ/AB Short Duration Government Bond | EQ/Conservative-Plus Allocation |
| EQ/Aggressive Allocation | EQ/Equity 500 Index |
| EQ/Aggressive Growth Strategy | EQ/Moderate Allocation |
| EQ/Conservative Allocation |  |

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**If you purchased your contract after July 20, 2009, the following investment options are available under your contract.**

***6***

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***7***

**Affiliated Portfolio Companies:** 

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | **Current**<br> **Expenses** |  | **Average Annual Total<br>Returns (as of 12/31/2025)** | **Average Annual Total<br>Returns (as of 12/31/2025)** | **Average Annual Total<br>Returns (as of 12/31/2025)** |
| <br>&nbsp;&nbsp;&nbsp;**TYPE** | <br>**Portfolio Company — Investment Adviser; *Sub-Adviser(s), as applicable*** | **Current**<br> **Expenses** |  | **1 year** | **5 year** | **10 year** |
| &nbsp;&nbsp;&nbsp;Fixed Income | EQ/AB Short Duration Government Bond — Equitable Investment Management Group, LLC ("EIMG"); *AllianceBernstein L.P.* | 0.77% | ^ | 4.17% | 2.11% | 1.56% |
| &nbsp;&nbsp;&nbsp;Asset Allocation | EQ/Balanced Strategy† — EIMG | 0.97% |  | 10.05% | 4.68% | 6.08% |
| &nbsp;&nbsp;&nbsp;Asset Allocation | EQ/Conservative Growth Strategy† — EIMG | 0.97% |  | 9.32% | 3.76% | 5.10% |
| &nbsp;&nbsp;&nbsp;Asset Allocation | EQ/Conservative Strategy† — EIMG | 0.95% |  | 7.86% | 1.93% | 3.12% |
| &nbsp;&nbsp;&nbsp;Equity | EQ/Equity 500 Index — EIMG; *AllianceBernstein L.P.* | 0.53% | ^ | 17.23% | 13.79% | 14.15% |

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^ This Portfolio's annual expenses reflect temporary fee reductions.

† EQ Managed Volatility Portfolios that include the EQ volatility management strategy as part of their investment objective
and/or principal investment strategy, and the EQ/affiliated Fund of Fund Portfolios that invest in Portfolios that use the EQ volatility management strategy, are identified in the chart by a "†". See "Portfolios of the
Trusts" for more information regarding volatility management.

If your contract was issued on or after July 20, 2009, the following variable investment options are not available to you: EQ/AB Short Duration Government Bond and EQ/Equity 500 Index.

***GUARANTEED WITHDRAWAL BENEFIT FOR LIFE ("GWBL") investment options for contracts issued after July 20, 2009:***

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| | |
|:---|:---|
| EQ/AB Short Duration Government Bond | EQ/Conservative Growth Strategy |
| EQ/Balanced Strategy | EQ/Equity 500 Index |
| EQ/Conservative Strategy | |

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At Retirement<sup>SM</sup> Variable Annuity

Issued by

Equitable Financial Life Insurance Company

Please retain this Annual Notice for future reference. The last prospectus and statement of additional information for the contract, dated May 1, 2016, contains more information about the contract. You may contact us to request this additional information free of charge. Instructions for contacting us are included on the front cover page of this Annual Notice.

**Class/Contract Identifier: C000048913** 

(#52090)