Separate Acct No 49 of Equitable Financial Life Insurance Co.
06/10/2026 | Press release | Distributed by Public on 06/10/2026 06:28
Prospectus by Investment Company (Form 497)
Equitable Financial Life Insurance Company
Supplement dated June 10, 2026 to the Structured Capital Strategies PLUS® 21 Prospectus
For New York Contracts Only
This Supplement modifies certain information in the above-referenced Prospectus (the "Prospectus") offered by Equitable Financial Life Insurance Company ("Equitable"). You should read this Supplement in conjunction with your Prospectus and retain it for future reference. This Supplement incorporates the Prospectus by reference. Unless otherwise indicated, all other information included in your Prospectus remains unchanged. The terms we use in this Supplement have the same meaning as in your Prospectus. We will send you another copy of any prospectus or supplement without charge upon request. Please contact the customer service center at 877-899-3743.
The purpose of this Supplement is to provide information regarding the Segments available, minimum Performance Cap Rates and the Segment Interim Value calculation for New York contracts. The Return of Premium Death Benefit is currently unavailable for contracts issued in New York.
| The |
following chart lists the current Segment Types for contracts issued in New York: |
| Index | Type of Index |
Segment Duration |
Segment Rate of Return Calculation Method |
Current Limit on Index Loss
if held until Segment |
Minimum Limit on Index Gain for the life of the Segment (Performance Cap Rate) |
|||||
|
S&P500 Price Return |
Market Index |
6 year 1 year |
Standard |
-10%; -15%; -20%; -30% -10%; -15%; -20%; -30% |
30%; 27%; 24%; 18% 5%; 4.5%; 4%; 3% |
|||||
|
Russell2000® Price Return |
Market Index |
6 year 1 year |
Standard |
-10%; -15%; -20%; -30% -10%; -15%; -20%; -30% |
30%; 27%; 24%; 18% 5%; 4.5%; 4%; 3% |
|||||
|
MSCIEAFE Price Return |
Market Index |
6 year 1 year |
Standard |
-10%; -15%; -20%; -30% -10%; -15%; -20%; -30% |
30%; 27%; 24%; 18% 5%; 4.5%; 4%; 3% |
|||||
|
NASDAQ-100Price Return |
Market Index |
6 year 1 year |
Standard |
-10%; -15%; -20%; -30% -10%; -15%; -20%; -30% |
30%; 27%; 24%; 18% 5%; 4.5%; 4%; 3% |
|||||
|
MSCIEmerging Markets Price Return |
Market Index | 1 year | Standard | -10%; -15% | 5%; 4.5%; 4%; 3% | |||||
|
EUROSTOXX 50® Price Return |
Market Index | 1 year | Standard | -10%; -15% | 5%; 4.5%; 4%; 3% | |||||
|
S&P500 Price Return |
Market Index |
6 year 1 year |
Dual Direction |
-10%; -15%; -20% -10%; -15%; -20% |
30%; 27%; 24% 5% |
|||||
|
Russell2000® Price Return |
Market Index | 6 year 1 year | Dual Direction |
-10%; -15%; -20% -10%; -15%; -20% |
30%; 27%; 24% 5%; 4.5%; 4% |
|||||
|
MSCIEAFE Price Return |
Market Index | 6 year 1 year | Dual Direction |
-10%; -15%; -20% -10%; -15%; -20% |
30%; 27%; 24% 5%; 4.5%; 4% |
|||||
|
NASDAQ-100Price Return |
Market Index | 6 year 1 year | Dual Direction |
-10%; -15%; -20% -10%; -15%; -20% |
30%; 27%; 24% 5%; 4.5%; 4% |
|||||
|
S&P500 Price Return |
Market Index | 6 year | Annual Lock | -10% | 5% | |||||
|
Russell2000® Price Return |
Market Index | 6 year | Annual Lock | -10% | 5% | |||||
|
MSCIEAFE Price Return |
Market Index | 6 year | Annual Lock | -10% | 5% | |||||
|
NASDAQ-100Price Return |
Market Index | 6 year | Annual Lock | -10% | 5% | |||||
|
S&P500 Price Return |
Market Index | 6 year 1 year | Step Up |
-10% -10%; -15% |
30% 5%; 4.5% |
|||||
|
Russell2000® Price Return |
Market Index | 6 year 1 year | Step Up |
-10% -10%; -15% |
30% 5%; 4.5% |
|||||
|
MSCIEAFE Price Return |
Market Index | 6 year 1 year | Step Up |
-10% -10%; -15% |
30% 5%; 4.5% |
|||||
|
NASDAQ-100Price Return |
Market Index | 6 year 1 year | Step Up |
-10% -10%; -15% |
30% 5%; 4.5% |
|||||
|
S&P500 Price Return |
Market Index |
6 year 1 year* |
Enhanced Upside |
-10%; -15% -10% |
30%; 27% 5% |
|||||
|
S&P500 Price Return |
Market Index | 1 year | Dual Step Up | -10%; -15%; -20% | 5%; 4.5%; 4% | |||||
|
Russell2000® Price Return |
Market Index | 1 year | Dual Step Up | -10%; -15%; -20% | 5%; 4.5%; 4% | |||||
|
MSCIEAFE Price Return |
Market Index | 1 year | Dual Step Up | -10%; -15%; -20% | 5%; 4.5%; 4% | |||||
|
NASDAQ-100Price Return |
Market Index | 1 year | Dual Step Up | -10%; -15%; -20% | 5%; 4.5%; 4% |
| * |
Only available with 125% Enhanced Upside Rate |
The Cap Rate Hold applies to all amounts invested in Segments on or before the Segment Start Date that is on or immediately following 60 days after the application received date for new contracts issued in New York with an application signed date on or after the Effective Date.
| #800001 (6/26) | ||
| SCS PLUS 21/New Biz | #140178 |
Separate Acct No 49 of Equitable Financial Life Insurance Co. published this content on June 10, 2026, and is solely responsible for the information contained herein. Distributed via EDGAR on June 10, 2026 at 12:29 UTC. If you believe the information included in the content is inaccurate or outdated and requires editing or removal, please contact us at [email protected]