Equitable Financial Life Insurance Co. of America (RILA)
04/27/2026 | Press release | Distributed by Public on 04/27/2026 07:32
Updating Summary Prospectus (Form 497VPU)
EQUI-VEST® (Series 800)
Equitable Financial Life Insurance Company of America
Issued through: Variable Account AA
Equitable Financial Life Insurance Company
Issued through: Separate Account A
Updating Summary Prospectus for Existing Investors
May 1, 2026
This 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 updating Summary Prospectus. You can find the current prospectus, SAI and other information about the contract online at www.equitable.com/ICSR#EQH146652. You can also obtain this information at no cost by calling 1-877-522-5035, by sending an email request to [email protected], or by calling your financial intermediary.
The EQUI-VEST® (Series 800) are variable and fixed deferred annuity contracts. 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 contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Withdrawals could result in withdrawal charges, negative contract adjustments, taxes, and tax penalties. A market value adjustment will apply to withdrawals, transfers, surrender of your contract, or when we make deductions for charges from a fixed maturity option before the maturity date. The actual amount of the Market Value Adjustment is determined by a formula that depends on, among other things, the difference between the rate to maturity that applies to the amount being withdrawn and the rate to maturity in effect at that time for new allocations to that same fixed maturity option, and the length of time remaining until the maturity date. It is theoretically possible that you could lose up to 100% of your investment and previously credited interest in certain extreme scenarios.
All guarantees are subject to the Company's financial strength and claims paying ability.
Additional information about certain investment products, including variable annuities and fixed annuities with market value adjustments, has been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov.
#914692
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 the changes that have occurred since you purchased your contract.
INVESTMENT OPTIONS
There have been changes to the "Appendix Investment options available under the contract" in this Summary Prospectus.
Investment Options No Longer Available: EQ/AB Sustainable U.S. Thematic Portfolio; Invesco V.I. High Yield Fund; Invesco V.I. Main Street Mid Cap Fund; Invesco V.I. Small Cap Equity Fund; MFS® Investors Trust Series; Principal VC Equity Income Account.
Investment Option Name Change: Nomura VIP High Income Series (formerly known as Macquarie VIP High Income Series).
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, variable and fixed maturity options 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.
2
How to reach us
There have been changes to the addresses listed under "For correspondence with checks:" section.
For NQ and IRA owners who send contributions individually by USPS and whose contract was transferred on July 1, 2025 to Equitable Financial Life Insurance Company of America:
Equitable Financial Life Insurance Company of America
EQUI-VEST® Individual Annuity Lock Box # 773389
P.O. Box 773389
Detroit, MI 48277 - 3389
For NQ and IRA owners who send contributions individually by USPS and whose contract is still with Equitable Financial Life Insurance Company:
Equitable
EQUI-VEST Processing Office
Individual Annuity Lock Box
P.O. Box 13459
Newark, NJ 07188-0459
For IRA contributions remitted by employers and sent by USPS:
Equitable
EQUI-VEST®
Unit Annuity Lock Box
P.O. Box 13463
Newark, NJ 07188-0463
For IRA contributions sent using express delivery:
Equitable
EQUI-VEST® Processing Office
8501 IBM Dr., Suite 150-GR
Charlotte, NC 28262-4333
3
Important information you should consider about the contract
| FEES, EXPENSES AND ADJUSTMENTS | ||||||||||
| Are There Charges or Adjustments for Early Withdrawals? |
Yes. If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from the contract within 6 years following your last contribution, you will be assessed a withdrawal charge of up to 6% of account value withdrawn or contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $6,000 on a $100,000 investment. This loss will be greater if there is a negative market value adjustment, and/or if you have to pay taxes, or tax penalties. If amounts are removed from a fixed maturity option before the maturity date, there will be a market value adjustment which could greatly reduce the value in your fixed maturity option theoretically by up to 100% in extreme situations. For example, if you allocate $100,000 to a fixed maturity option and later withdraw the entire amount before the maturity date, you could lose up to $100,000 of your investment. This loss will be greater if you also have to pay a withdrawal charge, taxes and tax penalties. A market value adjustment will apply to withdrawals, transfers, surrender of your contract, or when we make deductions for charges from a fixed maturity option before the maturity date. For additional information about the charges for surrenders and early withdrawals see "Withdrawal charge" in "Charges under the contracts" under "Charges, expenses, and adjustments" in the prospectus. |
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| Are There Transaction Charges? |
Yes. In addition to withdrawal charges and market value adjustments, you may also be charged for other transactions for special requests such as wire transfers, express mail, duplicate contracts, preparing checks, or third-party transfers or exchanges. For additional information about transaction charges see "Charges under the contracts" in "Charges, expenses, and adjustments" in the prospectus. |
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| Are There Ongoing Fees and Expenses? |
Yes. The contract provides for different ongoing fees and expenses. The table below describes the fees and expenses that you may pay each year under the contract, depending on the investment options and optional benefits you choose. Please refer to your contract specifications page of your contract for information about the specific fees you will pay each year based on the investment options you have elected. |
|||||||||
| Annual Fee | Minimum | Maximum | ||||||||
| Base Contract(1) | 1.20% | 2.00% | ||||||||
| Portfolio Company fees and expenses(2) | 0.54% | 3.04% | ||||||||
|
Optional benefits available for an additional charge (for a single optional benefit, if elected)(3) |
0.15% |
0.15% |
||||||||
|
(1) Expressed as an annual percent of daily net assets in the variable investment options. (2) 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. (3) Expressed as an annual percentage of your account value. 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 market value adjustments that substantially increase costs. |
||||||||||
|
Lowest Annual Cost $1,737 |
Highest Annual Cost $4,131 |
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|
Assumes: Investment of $100,000 5% annual appreciation Least expensive combination of contract and Portfolio fees and expenses No optional benefits No sales charges No additional contributions, transfers or withdrawals No contract adjustments |
Assumes: Investment of $100,000 5% annual appreciation Most expensive combination of contract, optional benefits (Ratcheted death benefit) and Portfolio fees and expenses No sales charges No additional contributions, transfers or withdrawals No contract adjustments |
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|
For additional information about ongoing fees and expenses see "Fee table" in the prospectus. |
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4
| 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. 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. 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 investment options available under the contract, (e.g., the Portfolios). Each investment option, including the guaranteed interest option and fixed maturity options has its own unique risks. You should review the variable investment options available under the contract before making an investment decision. For additional information about the risks associated with investment options see "Fixed investment options", "Guaranteed interest options" and "Portfolios of the Trusts" in "Purchasing the contract" in the prospectus, as well as, "Risks associated with the variable investment options" and "Risks associated with the fixed maturity options" in "Principal Risks of investing in the contract. "See also Appendix: "Investment options available under the contract" in the prospectus. |
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| 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 and the optional benefits. The general obligations, including the guaranteed interest option, fixed maturity options and any optional 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 www.equitable.com/about-us/financial-strength-ratings. For additional information about insurance company risks see "About the general account" in "More information" in the prospectus. |
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| 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 variable investment options and to limit the number of variable investment options which you may select. Such rights include, among others, removing or substituting the Portfolios, combining any two or more variable investment options and transferring the account value from any variable investment option to another variable investment option. Effective June 18, 2012: We no longer accept contributions to NQ contracts. For traditional IRA, Roth IRA and Inherited IRA contracts, we currently continue to accept subsequent contributions subject to a $6,000 limit per calendar year. For more information, see "How you can contribute to your contract" in "Purchasing the Contract" in the prospectus. There are limits on contributions and transfers into and out of the guaranteed interest option. See "Allocating your contributions" in "Purchasing the Contract" and "Transferring your account value" in "Transferring your money among investment options" in the prospectus for more information. For more information see "About the Separate Account" in "More information" in the prospectus. You must choose one of the two investment methods: 1) Maximum investment option choice, or 2) Maximum transfer flexibility. For more information please see "Selecting your investment method" in the prospectus. We will not accept allocations to a fixed maturity option if on the date the contribution or transfer is to be applied the rate to maturity is 3%. This means that at points in time there may be no fixed maturity options available. You can allocate your contributions to one or more of these fixed maturity options. However, you may not allocate more than one contribution to any one fixed maturity option. Contributions and transfers into and out of the guaranteed interest option are limited. |
|
5
|
The death benefits offered with the contract were available only at contract purchase. Withdrawals could significantly reduce or terminate the death benefits. For additional information about the restrictions on investment options, see "Portfolios of the Trusts", and "Fixed maturity options" in "Purchasing the Contract" and "Transferring your money among investment options" in the prospectus. |
||
| Are There Any Restrictions on Contract Benefits? | Yes. At any time, we have the right to limit or terminate your contributions to the contract. Withdrawals may reduce the death benefit by an amount greater than the value withdrawn and could terminate the optional death benefit. For additional information about the optional benefits see "Benefits available under the contract" in the prospectus. | |
| 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. For more information, see "Tax information" in the prospectus. |
|
| 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. 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. 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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6
Appendix: Investment options available under the contract
(a) Variable investment 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#EQH146652 . You can request this information at no cost by calling 1-877-522-5035 or by sending an email request to [email protected].
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.
Affiliated Portfolio Companies:
|
TYPE |
Portfolio Company - Investment Adviser; Sub-Adviser(s), as applicable |
Current Expenses |
Average Annual Total Returns (as of 12/31/2025) |
|||||||||||||||
| 1 year | 5 year | 10 year | ||||||||||||||||
|
Specialty |
1290 VT Convertible Securities - Equitable Investment Management Group, LLC ("EIMG"); SSGA Funds Management, Inc. |
0.90 | %^ | 15.79 | % | 2.91 | % | 8.89% | ||||||||||
|
Equity |
1290 VT Equity Income - EIMG; Barrow, Hanley, Mewhinney & Strauss, LLC d/b/a Barrow Hanley Global Investors |
0.95 | %^ | 13.04 | % | 11.25 | % | 8.85% | ||||||||||
|
Specialty |
1290 VT GAMCO Mergers & Acquisitions - EIMG; GAMCO Asset Management, Inc. |
1.29 | %^ | 15.91 | % | 7.70 | % | 5.38% | ||||||||||
|
Equity |
1290 VT GAMCO Small Company Value - EIMG; GAMCO Asset Management, Inc. |
1.05 | % | 12.82 | % | 11.24 | % | 10.77% | ||||||||||
|
Fixed Income |
1290 VT High Yield Bond - EIMG; AXA Investment Managers US Inc., Post Advisory Group, LLC |
1.02 | %^ | 7.54 | % | 3.92 | % | 5.41% | ||||||||||
|
Equity |
1290 VT Micro Cap - EIMG; BlackRock Investment Management, LLC, Lord, Abbett & Co. LLC |
1.15 | %^ | 16.42 | % | 4.31 | % | 12.26% | ||||||||||
|
Equity |
1290 VT Small Cap Value - EIMG; BlackRock Investment Management, LLC, Horizon Kinetics Asset Management LLC |
1.23 | %^ | 6.11 | % | 13.44 | % | 11.19% | ||||||||||
|
Equity |
1290 VT SmartBeta Equity ESG - EIMG; AXA Investment Managers US Inc. |
1.10 | % | 13.95 | % | 10.21 | % | 10.74% | ||||||||||
|
Equity |
1290 VT Socially Responsible - EIMG; BlackRock Investment Management, LLC |
0.90 | % | 17.23 | % | 13.04 | % | 13.83% | ||||||||||
|
Equity |
EQ/2000 Managed Volatility - EIMG; AllianceBernstein L.P., BlackRock Investment Management, LLC |
0.84 | % | 9.32 | % | 4.40 | % | 8.33% | ||||||||||
|
Equity |
EQ/400 Managed Volatility - EIMG; AllianceBernstein L.P., BlackRock Investment Management, LLC |
0.85 | %^ | 3.31 | % | 7.06 | % | 9.21% | ||||||||||
|
Equity |
EQ/500 Managed Volatility - EIMG; AllianceBernstein L.P., BlackRock Investment Management, LLC |
0.80 | % | 13.33 | % | 12.43 | % | 13.15% | ||||||||||
|
Asset Allocation |
EQ/AB Dynamic Moderate GrowthΔ - EIMG; AllianceBernstein L.P. |
1.13 | % | 13.46 | % | 6.31 | % | 6.12% | ||||||||||
|
Equity |
EQ/AB Small Cap Growth - EIMG; AllianceBernstein L.P. |
0.92 | % | 9.21 | % | 3.43 | % | 10.10% | ||||||||||
|
Asset Allocation |
EQ/Aggressive Allocation - EIMG |
1.15 | % | 12.97 | % | 7.79 | % | 9.47% | ||||||||||
|
Asset Allocation |
EQ/Aggressive Growth Strategy - EIMG |
1.01 | % | 12.17 | % | 7.61 | % | 9.04% | ||||||||||
|
Asset Allocation |
EQ/All Asset Growth Allocation - EIMG |
1.25 | %^ | 17.18 | % | 7.12 | % | 8.28% | ||||||||||
|
Equity |
EQ/American Century Mid Cap Value - EIMG; American Century Investment Management, Inc. |
1.00 | %^ | 8.72 | % | 8.64 | % | - | ||||||||||
|
Asset Allocation |
EQ/Balanced Strategy - EIMG |
0.97 | % | 10.05 | % | 4.68 | % | 6.08% | ||||||||||
|
Equity |
EQ/Capital Group Research - EIMG; Capital International, Inc. |
0.95 | %^ | 19.83 | % | 13.80 | % | 15.00% | ||||||||||
|
Equity |
EQ/ClearBridge Large Cap Growth ESG - EIMG; ClearBridge Investments, LLC |
1.00 | %^ | 7.69 | % | 10.47 | % | 13.63% | ||||||||||
|
Equity |
EQ/ClearBridge Select Equity Managed Volatility - EIMG; BlackRock Investment Management, LLC, ClearBridge Investments, LLC |
1.06 | %^ | 7.66 | % | 8.42 | % | 12.21% | ||||||||||
|
Equity |
EQ/Common Stock Index - EIMG; AllianceBernstein L.P. |
0.67 | %^ | 16.28 | % | 12.50 | % | 13.55% | ||||||||||
|
Asset Allocation |
EQ/Conservative Allocation - EIMG |
1.00 | %^ | 7.48 | % | 1.74 | % | 3.11% | ||||||||||
7
|
TYPE |
Portfolio Company - Investment Adviser; Sub-Adviser(s), as applicable |
Current Expenses |
Average Annual Total Returns (as of 12/31/2025) |
|||||||||||||||
| 1 year | 5 year | 10 year | ||||||||||||||||
|
Asset Allocation |
EQ/Conservative Growth Strategy - EIMG |
0.97 | % | 9.32 | % | 3.76 | % | 5.10% | ||||||||||
|
Asset Allocation |
EQ/Conservative Strategy - EIMG |
0.95 | % | 7.86 | % | 1.93 | % | 3.12% | ||||||||||
|
Asset Allocation |
EQ/Conservative-Plus Allocation - EIMG |
1.09 | % | 9.06 | % | 3.38 | % | 4.94% | ||||||||||
|
Fixed Income |
EQ/Core Bond Index(1) - EIMG; SSGA Funds Management, Inc. |
0.62 | %^ | 6.43 | % | 0.35 | % | 1.70% | ||||||||||
|
Fixed Income |
EQ/Core Plus Bond - EIMG; Brandywine Global Investment Management, LLC, Loomis, Sayles & Company, L.P. |
0.93 | %^ | 8.58 | % | -0.68 | % | 2.17% | ||||||||||
|
Equity |
EQ/Emerging Markets Equity PLUS - EIMG; AllianceBernstein L.P., EARNEST Partners, LLC |
1.20 | %^ | 33.46 | % | 4.64 | % | 7.73% | ||||||||||
|
Equity |
EQ/Equity 500 Index - EIMG; AllianceBernstein L.P. |
0.53 | %^ | 17.23 | % | 13.79 | % | 14.15% | ||||||||||
|
Equity |
EQ/Fidelity Institutional AM® Large Cap - EIMG; FIAM LLC |
0.87 | %^ | 18.34 | % | 13.86 | % | - | ||||||||||
|
Equity |
EQ/Franklin Rising Dividends - EIMG; Franklin Advisers, Inc. |
0.87 | %^ | 11.84 | % | 9.50 | % | - | ||||||||||
|
Equity |
EQ/Franklin Small Cap Value Managed Volatility - EIMG; BlackRock Investment Management, LLC, Franklin Mutual Advisers, LLC |
1.05 | %^ | 7.06 | % | 6.11 | % | 8.71% | ||||||||||
|
Equity |
EQ/Global Equity Managed Volatility - EIMG; BlackRock Investment Management, LLC |
1.08 | %^ | 19.14 | % | 8.33 | % | 9.47% | ||||||||||
|
Equity |
EQ/Goldman Sachs Mid Cap Value - EIMG; Goldman Sachs Asset Management L.P. |
1.09 | %^ | 9.22 | % | 9.66 | % | - | ||||||||||
|
Fixed Income |
EQ/Intermediate Government Bond(1) - EIMG; SSGA Funds Management, Inc. |
0.62 | %^ | 5.54 | % | 0.30 | % | 1.15% | ||||||||||
|
Equity |
EQ/International Core Managed Volatility - EIMG; BlackRock Investment Management, LLC |
1.06 | % | 26.12 | % | 7.52 | % | 7.48% | ||||||||||
|
Equity |
EQ/International Equity Index - EIMG; AllianceBernstein L.P. |
0.72 | %^ | 31.46 | % | 9.91 | % | 8.07% | ||||||||||
|
Equity |
EQ/International Managed Volatility - EIMG; AllianceBernstein L.P., BlackRock Investment Management, LLC |
0.86 | % | 25.90 | % | 7.28 | % | 6.92% | ||||||||||
|
Equity |
EQ/International Value Managed Volatility - EIMG; BlackRock Investment Management, LLC, Harris Associates LP |
1.04 | % | 26.66 | % | 7.75 | % | 6.77% | ||||||||||
|
Equity |
EQ/Invesco Comstock - EIMG; Invesco Advisers, Inc. |
1.00 | %^ | 16.93 | % | 14.99 | % | 11.71% | ||||||||||
|
Equity |
EQ/Invesco Global - EIMG; Invesco Advisers, Inc. |
1.10 | %^ | 15.40 | % | 6.95 | % | 10.59% | ||||||||||
|
Specialty |
EQ/Invesco Global Real Assets - EIMG; Invesco Advisers, Inc. |
1.16 | % | 15.93 | % | 7.11 | % | - | ||||||||||
|
Equity |
EQ/Janus Enterprise - EIMG; Janus Henderson Investors US LLC |
1.04 | % | 8.05 | % | 7.06 | % | 10.61% | ||||||||||
|
Equity |
EQ/JPMorgan Growth Stock - EIMG; J.P. Morgan Investment Management Inc. |
0.96 | %^ | 14.76 | % | 9.43 | % | 14.08% | ||||||||||
|
Equity |
EQ/JPMorgan Value Opportunities - EIMG; J.P. Morgan Investment Management Inc. |
0.95 | % | 15.40 | % | 12.77 | % | 12.08% | ||||||||||
|
Equity |
EQ/Large Cap Core Managed Volatility - EIMG; BlackRock Investment Management, LLC |
0.88 | % | 10.88 | % | 12.03 | % | 12.83% | ||||||||||
|
Equity |
EQ/Large Cap Growth Index - EIMG; AllianceBernstein L.P. |
0.71 | % | 17.74 | % | 14.51 | % | 17.26% | ||||||||||
|
Equity |
EQ/Large Cap Growth Managed Volatility - EIMG; BlackRock Investment Management, LLC |
0.87 | % | 11.06 | % | 11.64 | % | 15.01% | ||||||||||
|
Equity |
EQ/Large Cap Value Index - EIMG; AllianceBernstein L.P. |
0.74 | % | 15.04 | % | 10.52 | % | 9.77% | ||||||||||
|
Equity |
EQ/Large Cap Value Managed Volatility - EIMG; AllianceBernstein L.P. |
0.86 | % | 10.62 | % | 9.69 | % | 9.56% | ||||||||||
|
Equity |
EQ/Lazard Emerging Markets Equity - EIMG; Lazard Asset Management LLC |
1.35 | %^ | 42.06 | % | 10.84 | % | - | ||||||||||
|
Equity |
EQ/Loomis Sayles Growth - EIMG; Loomis, Sayles & Company, L.P. |
1.03 | %^ | 13.08 | % | 12.72 | % | 15.87% | ||||||||||
|
Equity |
EQ/MFS International Growth - EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management |
1.10 | %^ | 20.90 | % | 6.90 | % | 9.61% | ||||||||||
|
Equity |
EQ/MFS International Intrinsic Value - EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management |
1.15 | %^ | 32.95 | % | 6.99 | % | - | ||||||||||
|
Equity |
EQ/MFS Mid Cap Focused Growth - EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management |
1.10 | %^ | 5.60 | % | 5.09 | % | - | ||||||||||
|
Specialty |
EQ/MFS Technology - EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management |
1.10 | % | 16.24 | % | 12.06 | % | - | ||||||||||
|
Specialty |
EQ/MFS Utilities Series - EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management |
1.05 | %^ | 14.65 | % | 7.33 | % | - | ||||||||||
|
Equity |
EQ/Mid Cap Index - EIMG; AllianceBernstein L.P. |
0.64 | %^ | 6.80 | % | 8.42 | % | 9.99% | ||||||||||
8
|
TYPE |
Portfolio Company - Investment Adviser; Sub-Adviser(s), as applicable |
Current Expenses |
Average Annual Total Returns (as of 12/31/2025) |
|||||||||||||||
| 1 year | 5 year | 10 year | ||||||||||||||||
|
Equity |
EQ/Mid Cap Value Managed Volatility - EIMG; BlackRock Investment Management, LLC |
0.97% | 4.98% | 7.62% | 8.20% | |||||||||||||
|
Asset Allocation |
EQ/Moderate Allocation - EIMG |
1.08% | 10.25% | 4.14% | 5.78% | |||||||||||||
|
Asset Allocation |
EQ/Moderate Growth Strategy - EIMG |
0.98% | 10.83% | 5.67% | 7.08% | |||||||||||||
|
Asset Allocation |
EQ/Moderate-Plus Allocation - EIMG |
1.11% | 11.50% | 5.88% | 7.67% | |||||||||||||
|
Cash/Cash Equivalent |
EQ/Money Market* - EIMG; Dreyfus, a division of Mellon Investments Corporation |
0.67% | 3.66% | 2.79% | 1.73% | |||||||||||||
|
Equity |
EQ/Morgan Stanley Small Cap Growth - EIMG; BlackRock Investment Management, LLC, Morgan Stanley Investment Management, Inc. |
1.15% | ^ | 7.39% | -0.01% | 12.95% | ||||||||||||
|
Fixed Income |
EQ/PIMCO Global Real Return - EIMG; Pacific Investment Management Company LLC |
2.74% | ^ | 5.52% | -0.90% | 2.48% | ||||||||||||
|
Fixed Income |
EQ/PIMCO Ultra Short Bond - EIMG; Pacific Investment Management Company LLC |
0.80% | ^ | 4.47% | 2.93% | 2.32% | ||||||||||||
|
Fixed Income |
EQ/Quality Bond PLUS - EIMG; AllianceBernstein L.P., Pacific Investment Management Company LLC |
0.82% | 6.32% | -0.19% | 1.31% | |||||||||||||
|
Equity |
EQ/Small Company Index - EIMG; AllianceBernstein L.P. |
0.63% | 12.57% | 6.16% | 9.44% | |||||||||||||
|
Equity |
EQ/Value Equity - EIMG; Aristotle Capital Management, LLC |
0.91% | 11.01% | 8.65% | 8.47% | |||||||||||||
|
Specialty |
EQ/Wellington Energy - EIMG; Wellington Management Company LLP |
1.19% | ^ | 12.17% | 17.90% | - | ||||||||||||
|
Asset Allocation |
Equitable Conservative Growth MF/ETF Portfolio - EIMG |
1.10% | ^ | 12.03% | 4.95% | 6.85% | ||||||||||||
|
Asset Allocation |
Equitable Growth MF/ETF - EIMG |
1.15% | ^ | 14.37% | - | - | ||||||||||||
|
Asset Allocation |
Equitable Moderate Growth MF/ETF - EIMG |
1.10% | ^ | 13.43% | - | - | ||||||||||||
|
Equity |
Multimanager Aggressive Equity - EIMG; AllianceBernstein L.P. |
0.99% | 16.30% | 11.47% | 15.66% | |||||||||||||
|
Fixed Income |
Multimanager Core Bond(1) - EIMG; BlackRock Financial Management, Inc., DoubleLine Capital LP, Pacific Investment Management Company LLC, SSGA Funds Management, Inc. |
0.93% | ^ | 7.11% | -0.27% | 1.72% | ||||||||||||
|
Specialty |
Multimanager Technology - EIMG; AllianceBernstein L.P., FIAM LLC, Wellington Management Company LLP |
1.23% | ^ | 25.87% | 12.46% | 19.41% | ||||||||||||
|
Asset Allocation |
Target 2015 Allocation - EIMG |
1.10% | ^ | 9.41% | 2.84% | 5.08% | ||||||||||||
|
Asset Allocation |
Target 2025 Allocation - EIMG |
1.10% | ^ | 13.12% | 5.57% | 7.41% | ||||||||||||
|
Asset Allocation |
Target 2035 Allocation - EIMG |
1.05% | 15.70% | 7.50% | 8.95% | |||||||||||||
|
Asset Allocation |
Target 2045 Allocation - EIMG |
1.03% | 16.81% | 8.58% | 9.86% | |||||||||||||
|
Asset Allocation |
Target 2055 Allocation - EIMG |
1.10% | ^ | 17.90% | 9.51% | 10.81% | ||||||||||||
| ^ |
This Portfolio's annual expenses reflect temporary fee reductions. |
| Δ |
Certain other affiliated Portfolios, as well as unaffiliated Portfolios, may utilize volatility management techniques (including Fund of Fund Portfolios that invest in other Portfolios that utilize volatility management techniques) that differ from the EQ volatility management strategy. Affiliated Portfolios that utilize these volatility management techniques are identified in the chart by a "Δ". Any such unaffiliated Portfolio is not identified in the chart. See "Portfolios of the Trusts" for more information regarding volatility management. |
| |
EQ Managed Volatility Portfolios that include the EQ volatility management strategy as part of their investment objective and/or principal investment strategy, and the EQ/affiliated Fund of Fund Portfolios that invest in Portfolios that use the EQ volatility management strategy, are identified in the chart by a "". See "Portfolios of the Trusts" for more information regarding volatility management. |
| * |
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. |
| (1) |
Effective on or about June 29, 2026, and subject to shareholder approval, SSGA Funds Management, Inc. will be replaced as a sub-adviser to the Portfolio (or an allocated portion thereof) with AllianceBernstein L.P. |
9
Unaffiliated Portfolio Companies:
|
TYPE |
Portfolio Company - Investment Adviser; Sub-Adviser(s), as applicable |
Current Expenses |
Average Annual Total Returns (as of 12/31/2025) |
|||||||||||||||
| 1 year | 5 year | 10 year | ||||||||||||||||
|
Fixed Income |
American Funds Insurance Series® The Bond Fund of America® - Capital Research and Management Company |
0.72 | %^ | 6.98 | % | -0.38 | % | 2.11% | ||||||||||
|
Fixed Income |
Fidelity® VIP Investment Grade Bond Portfolio - Fidelity Management and Research Company (FMR) |
0.62 | % | 6.93 | % | -0.21 | % | 2.45% | ||||||||||
|
Equity |
MFS® Massachusetts Investors Growth Stock Portfolio - Massachusetts Financial Services Company |
0.97 | %^ | 9.61 | % | 9.74 | % | 13.98% | ||||||||||
|
Fixed Income |
Nomura VIP High Income Series - Delaware Management Company; Nomura Corporate Research and Asset Management Inc. |
0.97 | % | 7.17 | % | 3.73 | % | 5.56% | ||||||||||
|
Specialty |
VanEck VIP Global Resources Fund - Van Eck Associates Corporation |
1.32 | % | 36.17 | % | 10.24 | % | 8.06% | ||||||||||
| ^ |
This Portfolio's annual expenses reflect temporary fee reductions. |
Investment Options: The following are Investment Options A and B, as referred to in the "Selecting your investment method" section in "Purchasing the Contract" in the prospectus.
| Investments Options A | ||
| Guaranteed Interest Option | ||
|
1290 VT Equity Income |
EQ/Invesco Comstock | |
|
1290 VT GAMCO Mergers & Acquisitions |
EQ/Invesco Global | |
|
1290 VT GAMCO Small Company Value |
EQ/Invesco Global Real Assets | |
|
1290 VT Micro Cap |
EQ/Janus Enterprise | |
|
1290 VT Small Cap Value |
EQ/JPMorgan Value Opportunities | |
|
1290 VT SmartBeta Equity ESG |
EQ/Large Cap Core Managed Volatility | |
|
1290 VT Socially Responsible |
EQ/Large Cap Growth Index | |
|
EQ/2000 Managed Volatility |
EQ/Large Cap Growth Managed Volatility | |
|
EQ/400 Managed Volatility |
EQ/Large Cap Value Index | |
|
EQ/500 Managed Volatility |
EQ/Large Cap Value Managed Volatility | |
|
EQ/AB Dynamic Moderate Growth |
EQ/Lazard Emerging Markets Equity | |
|
EQ/AB Small Cap Growth |
EQ/Loomis Sayles Growth | |
|
EQ/Aggressive Growth Strategy |
EQ/MFS International Growth | |
|
EQ/All Asset Growth Allocation |
EQ/MFS International Intrinsic Value | |
|
EQ/American Century Mid Cap Value |
EQ/MFS Mid Cap Focused Growth | |
|
EQ/Balanced Strategy |
EQ/MFS Technology | |
|
EQ/Capital Group Research |
EQ/MFS Utilities Series | |
|
EQ/ClearBridge Large Cap Growth ESG |
EQ/Mid Cap Index | |
|
EQ/ClearBridge Select Equity Managed Volatility |
EQ/Mid Cap Value Managed Volatility | |
|
EQ/Common Stock Index |
EQ/Moderate Growth Strategy | |
|
EQ/Conservative Growth Strategy |
EQ/Morgan Stanley Small Cap Growth | |
|
EQ/Conservative Strategy |
EQ/Small Company Index | |
|
EQ/Emerging Markets Equity PLUS |
EQ/T. Rowe Price Growth Stock | |
|
EQ/Equity 500 Index |
EQ/Value Equity | |
|
EQ/Fidelity Institutional AM® Large Cap |
EQ/Wellington Energy | |
|
EQ/Franklin Rising Dividends |
Equitable Conservative Growth MF/ETF | |
|
EQ/Franklin Small Cap Value Managed Volatility |
Equitable Growth MF/ETF | |
|
EQ/Global Equity Managed Volatility |
Equitable Moderate Growth MF/ETF | |
|
EQ/Goldman Sachs Mid Cap Value |
MFS® Massachusetts Investors Growth Stock Portfolio | |
|
EQ/International Core Managed Volatility |
Multimanager Aggressive Equity | |
|
EQ/International Equity Index |
Multimanager Technology | |
|
EQ/International Managed Volatility |
VanEck VIP Global Resources Fund | |
|
EQ/International Value Managed Volatility |
||
10
| Investments Options B | ||
|
1290 VT Convertible Securities |
EQ/PIMCO Global Real Return | |
|
1290 VT High Yield Bond |
EQ/PIMCO Ultra Short Bond | |
|
American Funds Insurance Series® The Bond Fund of America® |
Fidelity® VIP Investment Grade Bond Portfolio | |
|
EQ/Core Bond Index |
Multimanager Core Bond | |
|
EQ/Intermediate Government Bond |
Nomura VIP High Income Series | |
|
EQ/Money Market |
||
(b) Fixed investment options
The following is a list of Fixed investment options currently available under the contract. We may change the features of the Fixed investment options listed below, offer new Fixed investment options, and terminate existing Fixed investment options. We will provide you with written notice before doing so.
Note: If amounts are removed from a Fixed investment options before the end of its term, we may apply a market value adjustment. This may result in a significant reduction in your account value.
| Name | Term | Minimum Guaranteed Rate of Interest | ||
| Guaranteed Interest Option | N/A | 1.0% | ||
| Principal assurance allocation | 7 years to 10 years | 3.0% | ||
| Fixed Maturity Options | 1 year to 10 years | 3.0% |
For more information, please see "Principal assurance allocation" under "Benefits available under the contract" and also "Fixed Maturity Options" under "Purchasing the Contract" and "Market Value Adjustment" under "Charges, Fees, and Adjustments" in this prospectus.
11
EQUI-VEST® (Series 800)
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 Statements of Additional Information ("SAI") that include additional information about EQUI-VEST® (Series 800), Equitable Financial Life Insurance Company of America and Variable Account AA and Equitable Financial Life Insurance Company and Separate Account A, respectively. 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 (800) 628-6673. The Prospectus and SAI are also available at our website, www.equitable.com/ICSR#EQH146652.
Class/Contract Identifier: C000024810; C000257557 (EFLOA)
Class/Contract Identifier: C000024810; C000257556 (EFLIC)
Equitable Financial Life Insurance Co. of America (RILA) published this content on April 27, 2026, and is solely responsible for the information contained herein. Distributed via EDGAR on April 27, 2026 at 13:34 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]