Sign in Retirement Variable Annuities Retirement is about making the most of what you have, to achieve the freedom you need to pursue your passions. An annuity can be a smart choice that may give you more confidence along your path toward a fulfilling future. Check the background of your financial professional or broker dealer with FINRA BrokerCheck What investors are thinking Lifetime income is appealing Concerned about losing money Want to keep more of what they earn Helping investors achieve life goals A guaranteed income stream Provide the income you need for the retirement lifestyle you envision—for as long as you (and your spouse, too) live Protection and growth potential Protect your wealth from market ups and downs and experience potential growth A legacy to leave behind Prepare for a future beyond your own through a death benefit for the people or causes you care about Explore which annuity best supports your goals Retirement Cornerstone® A smart retirement strategy that helps grow and protect your income stream—and what you’ll leave behind—with flexibility designed to fit your life. Benefits Guaranteed lifetime income Death benefit guarantees Investment opportunity Structured Capital Strategies® Offers a straightforward path through market ups and downs with partial downside protection, upside potential and zero explicit fees. Benefits Partial downside protection Upside potential Zero explicit fees Structured Capital Strategies® PLUS Offers greater upside potential than Structured Capital Strategies, with partial downside protection, upside potential and zero explicit fees. Benefits Partial downside protection Upside potential Zero explicit fees Investment Edge® An innovative retirement strategy designed to take advantage of smart diversification and tax-deferred growth during your wealth-building years, followed by tax-efficient distributions when you need retirement income. Benefits Tax deferral Tax efficient distributions Diversification What’s an annuity? An annuity is a long-term investment product designed to help you save for retirement. In essence, an annuity is a contractual agreement in which payment(s) are made to an insurance company, which agrees to pay out an income or a lump sum amount at a later date. Important Note Equitable believes that education is a key step toward addressing your financial goals, and we've designed this material to serve simply as an informational and educational resource. Accordingly, the information on this website does not offer or constitute investment advice and makes no direct or indirect recommendation of any particular product or of the appropriateness of any particular investment-related option. Your needs, goals and circumstances are unique, and they require the individualized attention of your financial professional. Variable annuities are long-term financial products designed for retirement purposes. Variable annuities are subject to market risk, including the possible loss of principal invested, and they have mortality and expense charges, account fees, investment management fees, administrative fees, charges for special contract features, and restrictions and limitations. Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59 ½. Optional benefits are available for an extra charge in addition to the ongoing fees and expenses of the variable annuity. Index Definitions S&P 500® Price Return Index — The S&P 500® Price Return Index includes 500 leading companies in leading industries of the U.S. economy, capturing 75% coverage of U.S. equities. The S&P 500® Price Return Index does not include dividends declared by any of the companies included in this Index. Larger, more established companies may not be able to attain potentially higher growth rates of smaller companies, especially during extended periods of economic expansion. S&P®, Standard & Poor’s®, S&P 500® and Standard & Poor’s 500® are trademarks of Standard & Poor’s Financial Services LLC (“Standard & Poor’s”) and have been licensed for use by Equitable. Structured Capital Strategies® PLUS is not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s does not make any representation regarding the advisability of investing in Structured Capital Strategies® PLUS. Russell 2000® Price Return Index — The Russell 2000® Price Return Index measures the performance of the small-cap segment of the U.S. equity universe. The Russell 2000® Price Return Index is a subset of the Russell 3000® Index representing approximately 10% of the total market capitalization of that index. It includes approximately 2,000 of the smallest securities based on a combination of their market cap and current index membership. The Russell 2000®Price Return Index does not include dividends declared by any of the companies included in this Index. Stocks of small and mid-size companies have less liquidity than those of larger companies and are subject to greater price volatility than the overall stock market. Smaller company stocks involve a greater risk than is customarily associated with more established companies. The Russell 2000® Index is a trademark of Russell Investments and has been licensed for use by Equitable. The Product is not sponsored, endorsed, sold or promoted by Russell Investments and Russell Investments makes no representation regarding the advisability of investing in the Product. iShares® MSCI EAFE ETF (Not available in all jurisdictions.) — Seeks the investment results that correspond generally to the performance of the MSCI EAFE Index. The index is designed to measure the equity market performance of developed markets, excluding the U.S. and Canada. The investment performance of the iShares® MSCI EAFE ETF Segment is based only on the closing share price of the Index Fund and the Segment does not include dividends declared by the Index Fund. The MSCI EAFE ETF Segment includes international securities that carry additional risks, including currency exchange fluctuation and different government regulations, economic conditions and accounting standards. The Product referred to herein is not sponsored, endorsed, or promoted by MSCI. The Energy Select Sector SPDR Fund – seeks to provide investment results that correspond to the price performance of the S&P® Energy Select Sector Index. The Energy Select Sector Index includes companies from the following industries: oil, gas, and consumable fuels and energy equipment and services. Because the return on your Segment Investment (subject to the Performance Cap and downside Segment Buffer protection) is linked to the performance of the Energy Select Sector SPDR® Fund and not the underlying index, the return on your Segment Investment may be less than that of an alternative investment linked directly to the underlying index or the components of the underlying index. The investment performance of the Energy Select Sector SPDR® Fund Segment is only based on the closing share price of the Fund. The Energy Select Sector SPDR® Fund Segment does not include dividends and other distributions declared by the Fund. Non-diversified investing may be focused in a smaller number of issues or one sector of the market that may make the value of the investment more susceptible to certain risks than diversified investing. The Gold SPDR Shares – seeks to reflect the performance of the price of gold bullion. The value of the gold held by the fund will be determined based on the London Bullion Market Association (LBMA) Gold Price PM USD. Because the return on your Segment Investment (subject to the Performance Cap and downside Segment Buffer protection) is linked to the performance of the SPDR® Gold Shares and not the performance of the price of gold, the return on your Segment Investment may be less than that of an alternative investment linked directly to the performance of the price of gold. The investment performance of the SPDR® Gold Shares Segment is only based on the closing share price of the Shares. The SPDR® Gold Shares Segment does not include dividends and other distributions declared by the Shares. Non-diversified investing may be focused in a smaller number of issues or one sector of the market that may make the value of the investment more susceptible to certain risks than diversified investing. The NASDAQ-100 Index® -- includes 100 of the largest domestic and international non-financial securities listed on The NASDAQ Stock Market based on market capitalization. The Index reflects companies across major industry groups including computer hardware and software, telecommunications and biotechnology. International securities carry additional risks including currency exchange fluctuation and different government regulations, economic conditions or accounting standards. The MSCI Emerging Markets Price Return Index -- is a free float-adjusted market capitalization index that is designed to measure equity market performance of 21 emerging market country indices, including Brazil, Russia, India, China and others in Southeast Asia, Eastern Europe, Latin America and Africa. International securities carry additional risks, including currency exchange fluctuation and different government regulations, economic conditions and accounting standards. The IShares Dow Jones U.S. Real Estate Index Fund – seeks investment results that correspond generally to the performance of the Dow Jones U.S. Real Estate Index. The Index measures the performance of the Real Estate Industry of the U.S. equity market, including real estate holding and developing and real estate investment trusts (REITS) subsectors. The investment performance of the IShares Dow Jones U.S. Real Estate Index Segment is based only on the closing share price of the Index Fund. Non-diversified investing may be focused in a smaller number of issues or one sector of the market that may make the value of the investment more susceptible to certain risks than diversified investing. The Financial Select Sector SPDR Fund – seeks to closely match the returns and characteristics of the Financial Select Sector Index, which is the underlying index. The underlying index seeks to provide an effective representation of the financial sector of the S&P 500 Index and includes companies from the following industries: commercial banks, capital markets, diversified financial services, insurance and real estate. The Financial Select Sector Index it may not fully replicate or may, in certain circumstances, diverge significantly from the performance of the Index. Non-diversified investing may be focused in a smaller number of issues or one sector of the market that may make the value of the investment more susceptible to certain risks than diversified investing. Withdrawals from annuities are subject to normal income tax treatment and if taken prior to age 59, may be subject to an additional 10% federal income tax penalty. Withdrawals may also be subject to a contractual withdrawal charge. Annuities contain certain limitations and restrictions. For costs and complete details contact a financial professional. If you are purchasing an annuity contract as an Individual Retirement Annuity (IRA), you should be aware that such annuities do not provide tax-deferral benefits beyond those already provided by the Internal Revenue Code. Before purchasing one of these annuities, you should consider whether its features and benefits beyond tax deferral meet your needs and goals. You may also want to consider the relative features, benefits and costs of these annuities with any other investment that you may use in connection with your retirement plan or arrangement. Please consider the charges, risk, expenses, and investment objectives carefully before purchasing a variable annuity. For a prospectus containing this and other information, please contact a financial professional. Read it carefully before investing or sending money. Contract form #s: Retirement Cornerstone® 19: ICC12BASE3, ICC12BASE4 and any state variations. Structured Capital Strategies® 16: 2017SCSBASE-I-PL-[A/B] and any state variations. Structured Capital Strategies® PLUS: 2017SCSBASE-I-PL-[A/B] and any state variations. Investment Edge® 15: ICC13IEBASE1, ICC13BASE2 and any state variations thereof. Retirement Cornerstone® Series B contracts have a declining seven-year withdrawal charge schedule (7%, 7%, 6%, 6%, 5%, 3%, 1%). Structured Capital Strategies® Series B contracts have a declining five-year withdrawal charge schedule (5%, 5%, 5%, 4%, 3%). Structured Capital Strategies® PLUS contracts have a declining six-year withdrawal charge schedule (6%, 6%, 5%, 5%, 4%, 3%). Investment Edge® Series B contracts have a declining five-year withdrawal charge schedule (6%, 6%, 5%, 4%, 3%). Guarantees are based on the claims-paying ability of Equitable Financial Life Insurance Company (NY, NY). Variable annuities are issued by Equitable Financial Life Insurance Company (NY, NY) and co-distributed by affiliates Equitable Distributors, LLC and Equitable Advisors, LLC (members FINRA, SIPC). GE-2884382 (01/2020) (Exp. 01/2022) About Equitable Equitable Foundation Careers Feedback Equitable Holdings 1290 Avenue of the Americas New York, NY 10104 Privacy and security Usage agreement © 2020 Equitable Holdings, Inc. All rights reserved. Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY), Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company with main administrative headquarters in Jersey City, NJ, and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN). 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