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Important information: A long-term financial product designed for retirement purposes, an annuity is essentially 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. Variable annuities typically have mortality and expense charges, various fees, exclusions and limitations, early withdrawals may be subject to surrender charges and a federal income tax penalty. Variable annuities are subject to investment risks, including possible loss of principal invested. All guarantees are based on the claims-paying ability of Equitable Financial Life Insurance Company.

Variable annuities (including Equitable's Structured Capital Strategies) and mutual funds are offered by prospectus, which contains more complete information including investment objectives, risks, charges, and expenses, and available through Financial Professionals or the issuing company. Investors should read the prospectus carefully before investing.