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1  Variable universal life does contain investment risk including the possibility of loss of principal invested. Under current federal tax rules, you may access your cash surrender value by taking federal income tax-free loans or withdrawals from a life insurance policy that is not a Modified Endowment Contract (MEC) of up to your basis (total premiums paid) in the policy. Certain exceptions may apply for partial withdrawals during the policy’s first 15 years. If the policy is a MEC, all withdrawals or loans are taxed as ordinary income to the extent of gain in the policy, and may also be subject to an additional 10% premature distribution penalty if taken prior to age 59½, unless certain exceptions apply. Loans and partial withdrawals will decrease the death benefit and cash surrender value of your life insurance policy and may be subject to policy limitations and income tax. In addition, loans and partial withdrawals may cause the policy benefits and riders to become unavailable and may increase the chance your policy may lapse. If the policy lapses, is surrendered or becomes a MEC, the loan balance at the time would generally be viewed as a distribution and therefore taxable under the general rules for distribution of policy cash values.

2 Your policy’s cash value must be sufficient to cover your monthly charge. Lowering your premium payments will negatively impact the cash value and death benefit of your policy.

3  There are restrictions if certain riders are added to the policy. VUL Optimizer^®, VUL Legacy^® and Equitable Advantage Max^sm are issued in New York and Puerto Rico by Equitable Financial Life Insurance Company (New York, NY) and in all other jurisdictions by Equitable Financial Life Insurance Company of America (Equitable America), an Arizona Stock corporation with its main administration office in Jersey City, NJ and are co-distributed by Equitable Advisors, LLC (member FINRA, SIPC) and Equitable Distributors, LLC.

VUL Legacy^® and VUL Optimizer^® and Equitable Advantage Max^sm are sold by prospectus only that contains complete information on investment options, fees, charges and expenses. It should be read carefully before investing or sending money. Please visit the product pages for the current prospectus.

A variable universal life insurance contract is a contract with the primary purpose of providing a death benefit. It is also a long term financial investment that can also allow potential accumulation of assets through customized, professionally managed investment portfolios. These portfolios are closely managed in order to satisfy stated investment objectives. There are fees and charges associated with variable life insurance contracts including mortality and risk charges, front end loads, administrative fees, investment management fees, surrender charges and charges for optional riders.   

Fees and charges associated with variable life insurance including a front end load, mortality and expense risk charges, cost of insurance charges, surrender charges, administrative fees, investment management fees and charges for optional benefits.  Contact a financial professional for costs and complete details of coverage. 

VUL Optimizer^®, VUL Legacy^® and Equitable Advantage Max^sm are a flexible premium variable life insurance policies issued in New York and Puerto Rico by Equitable Financial Life Insurance Company (Equitable Financial), New York, NY; and in all other jurisdictions by Equitable Financial Life Insurance Company of America (Equitable America), an Arizona Stock Corporation with its main administrative office in Jersey City, NJ; and is distributed by Equitable Advisors, LLC (member FINRA, SIPC) and Equitable Distributors, LLC, 1290 Avenue of Americas, New York, NY 10104. Equitable America is not licensed to conduct business in New York and Puerto Rico. When sold by New York state-based (i.e., domiciled) financial professionals, they are issued by Equitable Financial Life Insurance Company (New York, NY). Equitable and Equitable America are separate companies, and each insurance company has sole responsibility for its life insurance obligations.

VUL Optimizer^® and VUL Legacy^® are registered marks and Equitable Advantage Max^sm is a service mark of Equitable Financial Life Insurance Company. 

VUL Optimizer^® Policy form #s ICC15-100, 15-100 or state variations.

VUL Legacy^® Policy form #s ICC09-100, #09-100 or state variations.