¹ Pie charts are a conceptual representation, assuming no Account Value growth or volatility, and an initial Account Value that is 50% gains and 50% cost basis.

² Once you begin taking payments, you may not stop the payments. You can take additional withdrawals, subject to ordinary income tax, and the contract can be fully redeemed for the then-current Account Value net of applicable withdrawal charges.

³ Comparison applicable only for nonqualified accounts. It should be noted that tax-efficiency, where a portion of each payment is taxable as ordinary income while the remaining portion is not subject to taxes, can also be gained through contract annuitization.

Important information 

This general content does not constitute an offer or solicitation of any kind and is not intended, and should not be relied upon, as investment, insurance or financial advice. The Investment Edge^® variable annuity is a tax-deferred financial product designed to allow the contract holder to invest for growth potential and to provide income for retirement or other long-term life goals. Amounts invested in annuity portfolios are subject to fluctuation and market risk, including loss of principal. There are fees and charges associated with a variable annuity contract, which include, but are not limited to, operations charges, sales and withdrawal charges and administrative fees. The withdrawal charge declines from 6% to 3% over 5 years for Investment Edge^® Series B. Earnings are taxable as ordinary income when distributed and may be subject to an additional 10% federal tax if withdrawn before age 59½. 

Investment Edge^® offers Income Edge, a feature that allows the contract holder to take income on a more tax-efficient basis. Income Edge is available for no additional fee and allows investors in nonqualified contracts to elect a customized payment program. When elected, Income Edge is designed to pay out the entire account value via scheduled payments over a set period, and a portion of each payment is a return of the contract holder’s cost basis and thus excludable from taxes. 

In Investment Edge^®, you can invest to accumulate value on a tax-deferred basis with access to Variable Investment Options and Segments composing the Structured Investment Option (SIO). The SIO permits the contract owner to invest in one or more Segments, each of which provides returns tied to the performance of a securities index for a 1- or 5-year period. The partial protection feature, called the Segment Buffer, will absorb up to the first 40% of loss depending on the level of protection selected. Please keep in mind that there is risk of substantial loss of principal because the investor agrees to absorb all losses that exceed the protection provided by the SIO at maturity. If you would like a guarantee of principal, Equitable offers other products that provide such guarantees. 

If you take a withdrawal from, or transfer out of, a Segment Maturity Date, we calculate the Segment Interim Value (SIV) for that Segment. The SIV may be less than the Segment Investment and may be less than the Segment Maturity Value would have been on the Segment Maturity Date. Any such withdrawal or transfer will reduce the Segment Investment, and the reduction may be greater than the dollar amount of the withdrawal or transfer. Annuities contain certain restrictions and limitations. For cost and complete details, contact a financial professional. 

This tax-free amount is calculated by dividing the remaining cost basis by the number of years in the payment period selected and will not change once calculated. After Income Edge election, withdrawals are fully taxable, and withdrawals in excess of the annual 10% free withdrawal amount will continue to be subject to a withdrawal charge if they are made during the withdrawal charge period. If the contract owner dies after Income Edge is elected, scheduled payments will continue to the beneficiary, and any specified form of death benefit payout that the contract holder has selected will be invalidated. The Income Edge payment program does not represent a life-contingent annuitization of the Investment Edge^® contract. With a life-contingent annuitization, the account value is applied to provide periodic payments for life, and the Investment Edge^® contract and all its benefits terminate. A combination of adverse investment performance, additional withdrawals and contract fees may reduce the payout period selected. The amount of payments available through the Income Edge program is predetermined on an annual basis, meaning that the amount of the payment may vary each year of the payout period. Once the contract holder begins taking payments, they may not stop the payments. The contract holder can take additional withdrawals subject to ordinary income tax, and the contract can be fully redeemed for the then-current account value net of applicable withdrawal charges. There are additional restrictions and limitations, including age restrictions and the payout period being limited to specific periods. This content must be accompanied by a current Investment Edge^® prospectus containing important information about investment objectives, risks, expenses, fees and charges. Please encourage your clients to carefully read the prospectus before investing or sending money. 

Historical Index Return Disclosure % of Times Returns Occurred above the Segment Buffer — This row shows the percentage of times a rolling monthly index return occurred above 10%, -15%, -20% or -40%. 

S&P 500^® — Data available since January 1980. 
Russell 2000^® — Data available since January 1980. 
MSCI EAFE — Data available since January 1980. 
NASDAQ 100^® — Data available since March 1985. 
MSCI Emerging Markets — Data available since January 1988. 

Average return — a simple average of a series of returns generated over the given period. Past performance is no guarantee of future results. Individuals cannot invest directly in an index. This data does not represent the performance of any specific investment. The Segment Rate of Return will differ from that of the performance shown above because of the Performance Cap Rate, level of downside protection, fees and expenses. Clients purchasing an annuity contract to fund an Individual Retirement Annuity (IRA) or employer-sponsored retirement plan 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, your client should consider whether its features and benefits beyond tax deferral meet their needs and goals. Clients may also want to consider the relative features, benefits and costs of these annuities with any other investment that they may use in connection with their retirement plan or arrangement. This content is not a complete description of all material provisions of the variable annuity contract. There are certain contract limitations and restrictions associated with an Investment Edge^® contract. A financial professional can call our sales desk for costs and complete details of coverage. Certain types of contracts, features and benefits may not be available in all jurisdictions. Equitable Financial offers other variable annuity contracts with different fees, charges and features. 

Not every contract is available through the same selling broker/dealer. This is not a complete description of Investment Edge^®. Annuities are subject to certain restrictions and limitations. For costs and complete details, contact a financial professional. This content was prepared to support the promotion and marketing of Equitable Financial and Equitable America variable annuities. Equitable Financial Life Insurance Company, its distributors and their respective representatives do not provide tax, accounting or legal advice. Any tax statements contained herein were not intended or written to be used, and cannot be used, for the purpose of avoiding U.S. federal, state or local tax penalties. Please consult your own independent advisors as to any tax, accounting or legal statements made herein. 

When distributed outside of New York state by Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN) through Equitable Advisors Financial Professionals whose business address is not in New York state or when distributed by Equitable Distributors, LLC through financial professionals of unaffiliated broker/dealers when the solicitation state is not New York, Investment Edge^® variable annuity is issued by Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company. When offered by Equitable Advisors Financial Professionals whose business address is in New York state or when distributed by Equitable Distributors, LLC through financial professionals of unaffiliated broker/dealers when the solicitation state is New York, Investment Edge^® is issued by Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY). The obligations of Equitable Financial Life Insurance Company and Equitable Financial Life Insurance Company of America are backed solely by their own claims-paying abilities. 

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; and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN). 

Contract form #s: 2021BASE2-A-Z,2021BASE2-B-Z, 2021BASE1-A-Z, 2021BASE1-B-Z and any state variations.