Prospectus by Investment Company (Form 497)

Equitable Financial Life Insurance Company of America

Equitable Financial Life Insurance Company

Rate Sheet Supplement dated to the current prospectus for:

This Rate Sheet Supplement (this "Supplement") updates certain information in the prospectus dated May 1, 2026 you received and in any supplements to the prospectus (collectively, the "Prospectus"). You should read this Supplement in conjunction with the Prospectus and retain it for future reference. Unless otherwise indicated, all other information included in the Prospectus remains unchanged. The terms and section headings we use in this Supplement have the same meaning as in the Prospectus. We will send you another copy of any prospectus or supplement without charge upon request. Please contact the customer service group referenced in the Prospectus.

Under the Guaranteed minimum income benefit, we will apply an and an during the first seven years of your contract, beginning on the date your contract is issued. For more information, see "Annual Roll-up rate" and "Deferral Roll-up rate" in the "Benefits available under the contract" section of the Prospectus. The effective date of the following rates is (the "Rate effective date") until superseded as described below.

Guaranteed Roll-up floor: 5.0%

Funding Age for GMIB: 50

If the contract is jointly owned, the GMIB can only be elected and funded if both owners are ages 50 through 80 (ages for Series CP ).

 Funding of the Guaranteed minimum income benefit and any guaranteed minimum death benefit you elect if you also have the Guaranteed minimum income benefit is only permitted starting at age 50. If you are between the ages of 43 and 49 at the time your contract is issued, the initial Roll-up rates specified in this Supplement will only apply after you attain age 50 for the amount of time then remaining in your first seven contract years. If you are age 42 or younger at the time your contract is issued, the initial Roll-up rates will never apply to your contract, as illustrated in the following chart:

IM-03-19 (05/26)		Cat. #159939 (05/26)
RC 19/NB		#148998

are applied to determine your periodic Lifetime GMIB payments under the GMIB. The GMIB annuity purchase factors are:

GMIB Exercise Ages 60 - 69:

no floor

Lifetime GMIB payments are calculated by applying your GMIB benefit base (less any applicable withdrawal charge remaining) to the guaranteed GMIB annuity purchase factors specified above.

5.00%

Lifetime GMIB payments are calculated by applying your GMIB benefit base (less any applicable withdrawal charge remaining) to (1) the guaranteed GMIB annuity purchase factors specified above, or (2) the GMIB annuity purchase factor floor specified above.

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GMIB current Charge (as a percentage of the GMIB benefit base): 1.40%

GMDB current Charges (as a percentage of the benefit base) and issue ages:

 The rate effective date of a subsequent Rate Sheet Supplement will be at least 10 days after it is filed.

If you sign your application on or after the above rate effective date and we issue you a contract based on that application during the Rate lock-in period (generally 75 days after the application is signed) and then (1) a subsequent Rate Sheet Supplement with one or more terms favorable than the current Rate Sheet Supplement becomes effective and remains effective through your contract issue date, (2) none of the terms on the subsequent Rate Sheet Supplement are favorable than the current Rate Sheet Supplement, then we will change your terms to match all of the terms on the subsequent Rate Sheet Supplement. : If the GMIB annuity purchase factor floor rate is lower and/or the GMIB annuity purchase factor floor GMIB exercise age range starts at a higher age on the subsequent Rate Sheet Supplement, we consider those terms less favorable than the terms on the current Rate Sheet Supplement and, accordingly, will not change your terms to match any of the terms on the subsequent Rate Sheet Supplement.

If we issue you a contract based on that application after the Rate period ends (generally 75 days after the application is signed), the initial Annual or Deferral rate, guaranteed floor, GMIB funding age, GMIB annuity purchase factors, GMIB annuity purchase factor floor rate and age, and/or GMIB and GMDB charge(s) applicable to your contract will be those in effect on the date your contract is issued based on the Rate Sheet Supplement then in effect. The terms in that supplement could be less favorable than those in this supplement.

See "Rate lock-in period" in the "Benefits available under the contract" section of the Prospectus. The Rate lock-in period may vary in some states. See Appendix "State contract availability and/or variations of certain features and benefits" in the Prospectus.

For information about the GMIB and GMDB rider fees, the GMIB funding age, initial Annual rate, initial Deferral rate, GMIB annuity purchase factors, GMIB annuity purchase factor floor rate and age, and guaranteed floor applicable to you, please contact the customer service group toll-free at You can also visit www.equitable.com to view the current rates. Historical initial Annual Roll-up rates, initial Deferral rates, guaranteed floors, GMIB funding ages, GMIB annuity purchase factors, GMIB annuity purchase factor floor rate and age, and current historical GMIB and GMDB rider fees for contracts issued before the date of this supplement may be found in Appendix "Historical Rate Sheet Supplement Information" to the Prospectus, as well as on the U.S. Securities and Exchange Commission's website (www.sec.gov) by searching for File (Series 19 EFLOA) or (Series 19 EFLIC).

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