# EDGAR Filing Document

**Accession Number:** 0001822818
**File Stem:** 0001193125-26-179841
**Filing Date:** 2026-4
**Character Count:** 39074
**Document Hash:** 274bb0dc58a6b344dff29c5962b3fecf
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-179841.hdr.sgml**: 20260427

**ACCESSION NUMBER**: 0001193125-26-179841

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260427

**DATE AS OF CHANGE**: 20260427

**EFFECTIVENESS DATE**: 20260427

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Equitable America Variable Account No.70A
- **CENTRAL INDEX KEY:** 0001822818

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-265028
- **FILM NUMBER:** 26897211

**BUSINESS ADDRESS:**
- **STREET 1:** ADMINISTRATIVE OFFICE
- **STREET 2:** 8501 IBM DRIVE, SUITE 150
- **CITY:** CHARLOTTE
- **STATE:** NC
- **ZIP:** 28262
- **BUSINESS PHONE:** 980-308-8245

**MAIL ADDRESS:**
- **STREET 1:** ADMINISTRATIVE OFFICE
- **STREET 2:** 8501 IBM DRIVE, SUITE 150
- **CITY:** CHARLOTTE
- **STATE:** NC
- **ZIP:** 28262

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Equitable America Variable Account 70A of Equitable Financial Life Insurance Co of America
- **DATE OF NAME CHANGE:** 20200827

## Series and Classes Contracts Data

### Equitable America Variable Account No.70A (Series ID: S000070195)

| Class ID   | Class Name                           | Ticker Symbol   |
|:---|:---|:---|
| C000237240 | Structured Capital Strategies Income |  |

Structured Capital Strategies<sup>®</sup> Income

**Equitable Financial Life Insurance Company of America** 

**Equitable Financial Life Insurance Company** 

**Issued through: Equitable America Variable Account No. 70A and Separate Account No. 49** 

**Contract Classes: Series B, Series ADV** 

**Updating Summary Prospectus for Existing Investors** 

**May 1, 2026** 

This updating summary prospectus (the "Summary Prospectus") summarizes key features of the contract. The statutory prospectus (the "Prospectus") and Statement of Additional Information ("SAI") for the contract contain more information about the contract's features, benefits, and risks. The Prospectus and SAI are incorporated by reference into this Summary Prospectus. You can find the current Prospectus, SAI and other information about the contract online at www.equitable.com/ICSR#EQH162749. You can also obtain this information at no cost by calling 1-877-522-5035, by sending an email request to EquitableFunds@dfinsolutions.com, or by calling your financial intermediary.

Structured Capital Strategies<sup>®</sup> Income is a variable and index-linked individual and group flexible premium deferred annuity contract. This Summary Prospectus only describes Series B ("Series B") and Series ADV ("Series ADV"). The contracts provide for the accumulation of retirement savings and for income. The contracts offer income and death benefit protection as well. They also offer a number of payout options.

**The Securities and Exchange Commission has not approved or disapproved these securities or passed upon the adequacy of this prospectus. Any representation to the contrary is a criminal offense.** 

The contract is a complex investment that involves risks, including potential loss of principal and previously credited interest. You should speak with a financial professional about the features, benefits, risks, and fees and whether the contract is appropriate for you based on your financial situation and objectives.

The extent of the downside protection at Segment maturity, also referred to as the Segment Buffer, varies by Segment, ranging from the first 10% to 40% of loss. There is a risk of a substantial loss of your principal and previously credited interest because you agree to absorb all losses to the extent they exceed the Segment Buffer at Segment maturity. **You could lose as much as 60% (for Segments with a -40% Segment Buffer) to 90% (for Segments with a -10% Segment Buffer) to nearly 100% (for Annual Lock Segments with a -10% Segment Buffer) of your principal and previously credited interest due to negative index performance at Segment maturity, depending on the Segment Buffer applicable to the Segment in which you invest. The cumulative loss over the life of the contract could be much greater. We may change the Indices and/or Segment Options in the future, but we will always offer a Segment Option with a Segment Buffer that protects the first 10% of loss. If we only offer one Segment Option, you will be limited to investing in only one Segment Option with terms that may not be acceptable to you and other investment options where performance is not based on the performance of an index. In the future, we may offer other Segment Options that do not provide any downside protection which would mean there is a risk of loss of the entire amount invested. If you are not happy with the limited investment options and choose to surrender the contract you will be subject to the Segment Interim Value adjustment, federal and state taxes, and penalties, purchasing a new contract with a new withdrawal charge period, different investment options, benefits, fees, and risks.**

**The Performance Cap Rates we set will limit the amount you can earn on a Segment. Our minimum Performance Cap Rate for 3 year Segments is 6% (2% for 1 year Segments). Our minimum Performance Cap Rate for Annual Lock Segments is 2%**. We will not open a Segment with a Performance Cap Rate below the applicable minimum rate.

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

Additional 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.

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Updated Information About Your Contract

The information in this Summary Prospectus is a summary of certain contract features that have changed since the Prospectus dated May 1, 2025. 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 "Investment options available under the contract" in this Summary Prospectus.

**EXCHANGE OFFER** 

An exchange offer was made in connection with an assumption reinsurance transaction (the "Program") between Equitable Financial Life Insurance Company of America ("EFLOA", the "Company" or "we") and Equitable Financial Life Insurance Company ("EFLIC"). Pursuant to the Program, certain EFLIC variable annuity contracts (each an "EFLIC Contract" and collectively, the "EFLIC Contracts") will be exchanged for identical EFLOA contracts (each an "EFLOA Contract" and collectively, the "EFLOA Contracts"). Not all contracts are eligible for the exchange offer.

Depending on which state your EFLIC Contract was issued in, you may have to affirmatively consent to or have the right to opt-out of the exchange. We will advise you which of the following consent processes applies to your EFLIC contract (based on the state it was issued in):

• In certain states, you must affirmatively consent to the exchange ("opt-in process").

• In certain states, you will be deemed to have elected the exchange if you do not exercise your right to opt out within a specified period ("opt-out process").

• In certain states, your EFLIC Contract will be exchanged for an EFLOA Contract automatically without any action by you ("automatic process").

**Please note, in a majority of states, you will not be required to take any additional steps or provide affirmative consent before your EFLIC Contract is exchanged for an EFLOA Contract.** 

**Important Considerations** 

If your EFLIC Contract is exchanged for an EFLOA Contract:

• Your EFLIC Contract will terminate and EFLIC will have no further obligation to you for the benefits under your EFLIC Contract.

• EFLOA will be solely responsible to you for the benefits under your EFLOA Contract.

• The Account Value in your EFLIC Contract will be transferred to your EFLOA Contract without any change in value and there will be no interruption to your investments because of the exchange.

• At the time of the exchange, the same investment options available under your EFLIC Contract will be available for investment under your EFLOA Contract. Any investment restrictions applicable under your EFLIC Contract
will continue to apply under your EFLOA Contract.

• Your death benefit and any optional benefit(s) under your EFLOA Contract immediately after the exchange will be the same as your death benefit and any optional benefit(s) under your EFLIC Contract immediately before the
exchange and will continue to be calculated in the same way.

• You will receive credit for the time your contributions were invested in your EFLIC Contract for purposes of determining whether a withdrawal charge, if applicable, applies under your EFLOA Contract.

• We will not assess any charges against you because of the exchange.

There should be no adverse tax consequences to contract owners because of the Program between EFLIC and EFLOA or the exchange of an EFLIC Contract for an EFLOA Contract. Notwithstanding, we recommend that you consult your tax advisor.

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Important Information You Should Consider About The Contract

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| | |
|:---|:---|
| **FEES, EXPENSES AND ADJUSTMENTS** | **FEES, EXPENSES AND ADJUSTMENTS** |
| **Are There Charges or Adjustments for Early Withdrawals?** | **Yes.**<br>**Withdrawal Charges**<br> Each series of the contract provides for different withdrawal charge periods and percentages.<br>**Series B** — If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series B of the contract within 6 years following your last contribution, you will be assessed a withdrawal charge of up to 7% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $7,000 on a $100,000 investment. This loss will be greater if there is a negative Segment Interim Value adjustment for amounts withdrawn from the Segment of the SIO, and/or if you have to pay taxes or tax penalties.<br>**Series ADV** — No withdrawal charge.<br>**Segment Interim Value**<br> There is a Segment Interim Value adjustment for amounts removed from a Segment of the SIO before Segment maturity and because the end-of-term downside protection provided by a Segment Buffer does not apply to the Segment Interim Value, it is theoretically possible that you could lose up to 100% of your investment and previously credited interest in certain extreme scenarios. For example, if you allocate $100,000 to a 3-year Segment and later withdraw the entire amount before the 3 years have ended, you could lose up to $100,000 of your investment. This loss may be greater if you also have to pay a withdrawal charge under a Series B contract, and/or if you have to pay taxes or tax penalties. Prior to the Segment Maturity Date, the following transactions trigger the Segment Interim Value: (1) the receipt of an in good order death claim by your beneficiary; (2) a withdrawal (including an automatic or systematic withdrawal, a required minimum distribution, a withdrawal under the GLWB rider, and/or optional death benefit fee, a withdrawal to pay advisory fees under a Series ADV contract and a free withdrawal under a Series B contract); (3) a transfer; (4) if you surrender or annuitize your contract; or (5) if you cancel your contract and return it to us for a refund within your state's "free look" period.<br>For additional information about charges and adjustments for surrenders and early withdrawals see "Withdrawal charge" and "Adjustments with respect to early distributions from Segments" in "Charges, Expenses, and Adjustments" in the Prospectus. |
| **Are There Transaction Charges?** | **Yes.** In addition to withdrawal charges and the Segment Interim Value, you may also be charged for other transactions, including special requests such as wire transfers, express mail, duplicate contracts, preparing checks, third-party transfers or exchanges, or when you transfer between investment options in excess of a certain number.<br>For additional information about transaction charges see "Charges that the Company deducts" in "Charges, Expenses, and Adjustments" in the Prospectus. |
| **Are There Ongoing Fees and Expenses?** | **Yes.** Each series of the contract provides for different ongoing fees and expenses.<br>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. The fees and expenses in the table below do not reflect advisory fees paid to financial intermediaries from the contract value or other assets of the owner and if such fees were reflected the below fees and charges would be higher. **There is an implicit ongoing fee associated with Segments because the amount you can earn on a Segment is limited by us by the Segment's Performance Cap Rate. The Performance Cap Rate may cause your returns under the Segment to be lower than the Index's returns. In return for accepting this limit on Index gains, you receive some protection from Index losses through the Segment Buffer. The implicit ongoing fee from the Performance Cap Rate is not reflected in the tables below.** |

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| | | |
|:---|:---|:---|
| **Annual Fee** | **Minimum** | **Maximum** |
| Portfolio Company fees and expenses<sup>(1)</sup> | 0.67% | 0.67% |
| Optional benefits available for an additional charge (for a single optional benefit, if elected)<sup>(2)</sup> | 0.35% | 2.50% |

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 <sup>(1)</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.<br><sup>(2)</sup> Expressed as an annual percentage of the applicable benefit base. You must elect the GLWB in order to purchase this contract; however, you can drop the GLWB after the sixth contract anniversary.<br>

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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. This estimate assumes that you do not take withdrawals from the contract, **which could add withdrawal charges and negative Segment Interim Value adjustments that substantially increase costs.**

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|:---|:---|
| **Lowest Annual Cost<br>$650** | **Highest Annual Cost<br>$2,243** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Assumes:<br> • Investment of $100,000<br>• 5% annual appreciation<br>• Least expensive combination of contract classes, Portfolio fees and expenses<br>• No optional benefits<br>• No sales charges or advisory fees<br>• No additional contributions, transfers or withdrawals<br>• No contract adjustments<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Assumes:<br> • Investment of $100,000<br>• 5% annual appreciation<br>• Most expensive combination of contract classes and optional benefits (Highest Anniversary Death Benefit and GLWB) and Portfolio fees and expenses<br>• No sales charges or advisory fees<br>• No additional contributions, transfers or withdrawals<br>• No contract adjustments<br>|

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 <br> For additional information about ongoing fees and expenses see "Fee Table" in the Prospectus.

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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.<br>The return on the Segments of the SIO may be negative and there is a risk of substantial loss of your principal and previously credited interest due to negative index performance because you agree to absorb all losses to the extent they exceed the Segment Buffer. **You could lose as much as 60% (for Segments with a -40% Segment Buffer) to 90% (for Segments with a -10% Segment Buffer) to nearly 100% (for Annual Lock Segments with a -10% Segment Buffer) of your principal and previously credited interest due to negative index performance on the Segment Maturity Date. We may change the Indices and/or Segment Options in the future, but we will always offer a Segment Option with a Segment Buffer that protects the first 10% of loss. In the future we may offer other Segment Options that do not provide any downside protection which would mean there is a risk of loss of the entire amount invested.**<br>For additional information about the risk of loss see "Principal risks of investing in the contract" in the Prospectus. |
| **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. A withdrawal charge may apply in certain circumstances and any withdrawals may also be subject to federal and state income taxes and tax penalties. Amounts removed from a Segment of the SIO prior to the Segment Maturity Date will not receive Index interest, and may result in a negative Segment Interim Value adjustment which could reduce the Segment Investment GLWB and death benefit by significantly more than the amount withdrawn.<br>On the Segment Maturity Date, the value of your maturing Segments will be reallocated according to your instructions on file, assuming that all participation requirements for those allocations are met, and those instructions may include allocations to different Segment Types or to the next available Segment of the same Segment Type. If you have not provided us with maturity instructions for a maturing Segment, then by default the Segment Maturity Value will be transferred to the same Segment Type as the maturing Segment. However, if the next Segment to be created in the Segment Type would have a Segment Maturity Date that is later than your contract maturity date or if that Segment Type has been terminated, we will instead transfer your Segment Maturity Value to the EQ/Money Market variable investment option.<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 (e.g., the Portfolios) and the SIO (e.g., the reference Indices). Each investment option available under the contract has its own unique risks. You should review the Portfolios and the Segments of the SIO available under the contract before making an investment decision. |

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|:---|:---|
| | <br> The Performance Cap Rate of a Segment may limit your participation in positive returns on the Segment Maturity Date. For example, if the Index return is 12% and the Performance Cap Rate is 4%, we will credit 4% in interest on the Segment Maturity Date assuming there are no fees or charges assessed, meaning your Segment Investment will increase by 4%. **The Performance Cap Rate may cause your returns under the Segment to be lower than the Index's returns.**<br>The Segment Buffer of a Segment provides some protection against negative returns on the Segment Maturity Date. The Segment Buffer is the maximum amount of negative interest we will assume and we will credit any negative interest in excess of the Segment Buffer which means you bear all loss that exceeds the Segment Buffer. For example, if the Index return is -25% and the Segment Buffer is -10%, we will credit -15% (the amount that exceeds the Segment Buffer) on the Segment Maturity Date assuming there are no fees or charges assessed, meaning your Segment Investment will decrease by 15%.<br>All of the Indices we currently offer are "price return" indices, not "total return" indices, and therefore the performance of any Index does not reflect dividends paid on the securities included in the Index. This reduces the Index return, and the Index will underperform a direct investment in the securities composing the Index.<br>For additional information about the risks associated with investment options see "Structured Investment Option", "Variable investment options" and "Portfolios of the Trust" in "Purchasing the contract", as well as, "Principal risks of investing in the contract" and Appendix "Investment Options available under the contract" in the Prospectus. |
| **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. The general obligations, including the SIO, the GLWB, and the death 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 https://equitable.com/about-us/financial-strength-ratings.<br>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 investment options and to limit the number of investment options which you may select. Such rights include, among others, removing or substituting the Portfolio, combining any two or more investment options and transferring account value from any investment option to another investment option. You will not be permitted to invest in a Segment if the Segment Maturity Date is later than your contract maturity date. The maximum current number of active Segments, funded holding accounts, and/or Segment Types with an allocation on file that may be active in your contract at any time is 84.<br>We reserve the right to offer any or all Segments more or less frequently or to stop offering any or all of them or to suspend offering any or all of them temporarily for some or all contracts. If we stop offering these options, you will be limited to investing in the EQ/Money Market variable investment option, which is not tied to the performance of an index.<br>We may offer new Segment Types in the future, and we may change the features of a Segment Type between Segments, including the Index, the Segment Buffer, and the Performance Cap Rate (subject to the minimum rates disclosed herein).<br>We have the right to substitute an alternative Index prior to the Segment Maturity Date if the publication of one or more Indices is discontinued, or if we no longer have a license agreement with the publishers of the Index, or at our sole discretion we determine that our use of such Indices should be discontinued because hedging instruments become difficult to acquire or the cost of hedging becomes excessive, or if the calculation of one or more of the Indices is substantially changed. In addition, we reserve the right to use any or all reasonable methods to end any outstanding Segments that use such Indices. We also have the right to add additional Indices under the contract at any time.<br>We can refuse to accept any application or contribution from you at any time, including after you purchase the contract. No subsequent contributions are allowed once a withdrawal is made under the contract, including an automatic or systematic withdrawal, a required minimum distribution, a withdrawal under the GLWB rider, or a withdrawal to pay advisory fees under a Series ADV contract. **If you elect to pay the advisory fee from your account value, then these deductions will, among other things, reduce the account value, could reduce the GLWB and death benefit, and may be** |

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|:---|:---|
| | **subject to federal and state income taxes and a 10% federal penalty tax.** See "Paying Advisory Fees using Account Value" in "Accessing your money" and "Fee-based expenses" in "Charges, Expenses, and Adjustments" for more information about advisory fees and expenses under fee based programs. We reserve the right to discontinue the acceptance of, and/or place additional limitations on, contributions into certain investment options, including any of the Segments comprising the Structured Investment Option. If we exercise this right, your ability to invest in your contract, increase your account value and, consequently, increase your death benefit and GLWB, will be limited.<br>Currently, we do not charge for transfers among investment options under the contract. However, we reserve the right to charge for any transfers among the variable investment option in excess of 12 per contract year. We will provide you with advance notice if we decide to assess the transfer charge, which will never exceed $35 per transfer.<br>The availability of investment options may vary depending on the financial intermediary through which the contract is sold. See "Intermediary-specific variations" appendix to the Prospectus.<br>For additional information about restrictions on the investment options, see "Transfer charge" in "Charges, Expenses, and Adjustments", "The Separate Account" in "More Information", and "Portfolios of the Trust" and "Structured Investment Option" in "Purchasing the contract" in the Prospectus. |
| **Are There any Restrictions on Contract Benefits?** | **Yes.** At any time, we have the right to limit or terminate your ability to contribute to any of the investment options. If you have one or more guaranteed benefits like the Return of Premium Death Benefit, Highest Anniversary Value Death Benefit or GLWB 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).<br>You must elect the GLWB in order to purchase this contract. You can drop the GLWB after the sixth contract anniversary.<br>If you have a guaranteed benefit, additional contributions may be limited once you reach a certain age (80 for Return of Premium and 75 for Highest Anniversary Value) or once you start withdrawals (GLWB).<br>Withdrawals may affect the availability of the benefit by reducing the benefit by an amount greater than the value withdrawn and may terminate the benefit.<br>The availability of contract benefits may vary depending on the financial intermediary through which the contract is sold. See "Intermediary-specific variations" appendix to the Prospectus.<br>For additional information about the optional benefits see "How you can purchase and contribute to your contract" in "Purchasing the contract" and "Benefits available under the contract" 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.<br>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.<br>For additional information about exchanges see "Charge for third-party transfer or exchange" in "Charges, Expenses, and Adjustments " in the Prospectus. |

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Appendix: Investment Options available under the contract

**Variable 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#EQH162749. You can request this information at no cost by calling 1-877-522-5035 or by sending an email request to EquitableFunds@dfinsolutions.com.

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.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**TYPE** | **Portfolio Company — Investment Adviser; *Sub-Adviser(s), as applicable*** | | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** |
| &nbsp;&nbsp;&nbsp;**TYPE** | **Portfolio Company — Investment Adviser; *Sub-Adviser(s), as applicable*** | <br>**Current**<br> **Expenses**  | **1 year** | **5 year** | **10 year** |
| &nbsp;&nbsp;&nbsp; Cash/Cash Equivalent | EQ/Money Market\* — Equitable Investment Management Group, LLC ("EIMG"); *Dreyfus, a division of Mellon Investments Corporation*<br>| 0.67% | 3.66% | 2.79% | 1.73% |

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\* The Portfolio operates as a "government money market fund." The Portfolio will invest at least 99.5% of its total assets in U.S. government securities, cash, and/or repurchase agreements that are fully collateralized by U.S. government securities or cash. 

The availability of investment options may vary depending on the financial intermediary through which the contract is sold. See "Intermediary-specific variations" appendix to the Prospectus.

**Index-Linked Options** 

The following is a list of Segments of the SIO currently available under the contract. We may change the features of the Segments listed below (including the Index and the current limits on Index gains and losses), offer new Segments, and terminate existing Segments. We will provide you with written notice before making any changes other than changes to current limits on Index gains. Information about current limits on index gains is available at www.equitable.com/scsincome-rates-prospectus. See "Structured Investment Option" in "Purchasing the contract" for additional information about the Indices, the Segment Rate of Return calculation methods, and the operation of the Segment Buffer and Performance Cap Rate.

**Note: If amounts are removed from a Segment before the Segment Maturity Date, we will apply a Segment Interim Value adjustment. This may result in a significant reduction in your account value that could exceed any protection from Index loss that would be in place if you held the option until the Segment Maturity Date. See "Adjustments with respect to early distributions from Segments" in "Charges, Expenses, and Adjustments" for more information about Segment Interim Value.** 

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|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Index** | **Type of Index** | **Segment<br>Duration** | **Segment Rate<br>of Return<br>Calculation<br>Method** | **Current Limit on Index<br>Loss if held until<br>Segment Maturity Date<br>(Segment Buffer)** | **Minimum Limit<br>on Index Gain<br>for the life of<br>the Segment<br>(Performance<br>Cap Rate)** |
| &nbsp;&nbsp;&nbsp; S&P 500 Price Return Index\* | Market Index | 3 year<br> 1 year | Standard | -10%; -15%; -20%; -40%<br> -10%; -15%; -20%; -40% | 6%<br> 2% |
| &nbsp;&nbsp;&nbsp; Russell 2000<sup>®</sup> Price Return Index\* | Market Index | 3 year<br> 1 year | Standard | -10%; -15%; -20%; -40%<br> -10%; -15%; -20%; -40% | 6%<br> 2% |
| &nbsp;&nbsp;&nbsp; MSCI EAFE Price Return Index\* | Market Index | 3 year<br> 1 year | Standard | -10%; -15%; -20%; -40%<br> -10%; -15%; -20%; -40% | 6%<br> 2% |
| &nbsp;&nbsp;&nbsp; NASDAQ-100 Price Return Index\* | Market Index | 3 year<br> 1 year | Standard | -10%; -15%; -20%; -40%<br> -10%; -15%; -20%; -40% | 6%<br> 2% |
| &nbsp;&nbsp;&nbsp; MSCI Emerging Markets Price Return Index\* | Market Index | 1 year | Standard | -10%; -15% | 2% |
| &nbsp;&nbsp;&nbsp; EURO STOXX 50<sup>®</sup> Price Return Index\* | Market Index | 1 year | Standard | -10%; -15% | 2% |
| &nbsp;&nbsp;&nbsp; S&P 500 Price Return Index\* | Market Index | 3 year | Annual Lock | -10% | 2% |

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| &nbsp;&nbsp;&nbsp;**Index** | **Type of Index** | **Segment<br>Duration** | **Segment Rate<br>of Return<br>Calculation<br>Method** | **Current Limit on Index<br>Loss if held until<br>Segment Maturity Date<br>(Segment Buffer)** | **Minimum Limit<br>on Index Gain<br>for the life of<br>the Segment<br>(Performance<br>Cap Rate)** |
| &nbsp;&nbsp;&nbsp; Russell 2000<sup>®</sup> Price Return Index\* | Market Index | 3 year | Annual Lock | -10% | 2% |
| &nbsp;&nbsp;&nbsp; MSCI EAFE Price Return Index\* | Market Index | 3 year | Annual Lock | -10% | 2% |
| &nbsp;&nbsp;&nbsp; NASDAQ-100 Price Return Index\* | Market Index | 3 year | Annual Lock | -10% | 2% |
| &nbsp;&nbsp;&nbsp; S&P 500 Price Return Index\* | Market Index | 3 year<br> 1 year | Step Up | -10%<br> -10%; -15% | 6%<br> 2% |
| &nbsp;&nbsp;&nbsp; Russell 2000<sup>®</sup> Price Return Index\* | Market Index | 1 year | Step Up | -10%; -15% | 2% |
| &nbsp;&nbsp;&nbsp; MSCI EAFE Price Return Index\* | Market Index | 1 year | Step Up | -10%; -15% | 2% |
| &nbsp;&nbsp;&nbsp; NASDAQ-100 Price Return Index\* | Market Index | 1 year | Step Up | -10%; -15% | 2% |
| &nbsp;&nbsp;&nbsp; S&P 500 Price Return Index\* | Market Index | 3 year<sup>3</sup> 1 year<sup>4</sup> | Enhanced Upside | -10%; -15%<br> -10% | 6%<br> 2% |
| &nbsp;&nbsp;&nbsp; S&P 500 Price Return Index\* | Market Index | 3 year<br> 1 year | Dual Direction | -10%; -15%; -20%<br> -10%; -15% | 6%<br> 2% |
| &nbsp;&nbsp;&nbsp; Russell 2000<sup>®</sup> Price Return Index\* | Market Index | 3 year<br> 1 year | Dual Direction | -10%; -15%; -20%<br> -10%; -15% | 6%<br> 2% |
| &nbsp;&nbsp;&nbsp; MSCI EAFE Price Return Index\* | Market Index | 3 year<br> 1 year | Dual Direction | -10%; -15%; -20%<br> -10%; -15% | 6%<br> 2% |
| &nbsp;&nbsp;&nbsp; NASDAQ-100 Price Return Index\* | Market Index | 3 year<br> 1 year | Dual Direction | -10%; -15%; -20%<br> -10%; -15% | 6%<br> 2% |
| &nbsp;&nbsp;&nbsp; S&P 500 Price Return Index\* | Market Index | 1 year | Dual Step Up | -10%; -15% | 2% |
| &nbsp;&nbsp;&nbsp; Russell 2000<sup>®</sup> Price Return Index\* | Market Index | 1 year | Dual Step Up | -10%; -15% | 2% |
| &nbsp;&nbsp;&nbsp; MSCI EAFE Price Return Index\* | Market Index | 1 year | Dual Step Up | -10%; -15% | 2% |
| &nbsp;&nbsp;&nbsp; NASDAQ-100 Price Return Index\* | Market Index | 1 year | Dual Step Up | -10%; -15% | 2% |
| &nbsp;&nbsp;&nbsp; S&P 500 Price Return Index\* | Market Index | 3 year<sup>1</sup> 1 year<sup>2</sup> | Loss Limiter | -10%<br> -10% | 6%<br> 2% |

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\* The Index is a "price return" index, not a "total return" index, and therefore the performance of the Index does not reflect dividends declared by any of the companies included in the Index, reducing the Index return. As a result, the Index will underperform a direct investment in the securities composing the Index. 

<sup>1</sup> Segment Investment Protection Level of 95%. 

<sup>2</sup> Segment Investment Protection Level of 90%. 

<sup>3</sup> Enhanced Upside Rates of 110% and 125% (the Performance Cap Rate is lower if you choose the 125% Enhanced Upside Rate). 

<sup>4</sup> Enhanced Upside Rate 125%. 

**We may change the Indices and/or Segment Options, but we will always offer a Segment Option with a Segment Buffer that protects the first 10% of loss. In the future, we may offer other Segment Options that do not provide any downside protection which would mean there is a risk of loss of the entire amount invested. Our minimum Performance Cap Rate for 3 year Segments is 6% (2% for 1 year Segments). Our minimum Performance Cap Rate for Annual Lock Segments is 2%. We will not open a Segment with a Performance Cap Rate below the applicable minimum rate.** 

The availability of investment options may vary depending on the financial intermediary through which the contract is sold. See "Intermediary-specific variations" appendix to the Prospectus.

***8***

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Structured Capital Strategies<sup>®</sup> Income

Issued by

Equitable Financial Life Insurance Company of America Equitable Financial Life Insurance Company

We have filed with the Securities and Exchange Commission a Prospectus and a Statement of Additional Information ("SAI") that include additional information about Structured Capital Strategies<sup>®</sup> Income, Equitable Financial Life Insurance Company of America and Equitable America Variable Account No. 70A, and Equitable Financial Life Insurance Company and Separate Account No. 49. The Prospectus and SAI each dated May 1, 2026 are incorporated by reference into this Summary Prospectus. The Prospectus and SAI are available free of charge. To request a copy of either document, to ask about your contract, or to make other investor inquiries, please call 1-800-789-7771. The Prospectus and SAI are also available at our website, www.equitable.com/ICSR#EQH162749.

**Class/Contract Identifier: C000231441; C000237240; C000255856; C000255857** 

(#37786)