Important Note: Equitable has designed this material to serve as an informational and educational resource; it does not offer or constitute investment advice and makes no direct or indirect recommendation regarding the appropriateness of any particular product or investment-related option. Your unique needs, goals and circumstances require and deserve the individualized attention of your financial professional.

“Tax-efficient distributions” refers to options where a portion of the distribution is a return of cost basis and thus excludable from taxes.

What is a variable annuity?

A variable annuity is a tax-deferred financial product designed to allow investors to invest for growth potential and provide income for retirement or other long-term life goals. In essence, an annuity is a contractual agreement in which payment(s) are made to an insurance company, which agrees to pay out income or a lump sum amount at a later date. Variable annuities are subject to 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 five years for Investment Edge®. Earnings are taxable as ordinary income when distributed and may be subject to an additional 10% federal tax if withdrawn before age 59 ½.

This content is not a complete description of all material provisions of the variable annuity contract. Please click here for the Investment Edge® prospectus. The prospectus contains more complete information, including investment objectives, risks, charges, expenses, limitations and restrictions.

There are certain contract limitations and restrictions associated with an Investment Edge® contract. For costs and complete details of coverage, speak to your financial professional/insurance licensed registered representative. Certain types of contracts, features, and benefits may not be available in all jurisdictions. Equitable offers other variable annuity contracts with different fees, charges and features.

If you are purchasing an annuity contract to fund an Individual Retirement Account (IRA) or employer sponsored retirement plan, you 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, you should consider whether its features and benefits beyond tax deferral meet your needs and goals. You may also want to consider the relative features and benefits of these annuities with any other investments that you may use in connection with your retirement plan or arrangement.

Not every contract is available through the same selling broker/dealer.

This website was prepared to support the promotion and marketing of Equitable variable annuities. Equitable, 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.

The Investment Edge® 15 variable annuity is issued by Equitable Financial Life Insurance Company, New York, NY 10104. Co-distributed by affiliates Equitable Advisors, LLC (member FINRA, SIPC) and Equitable Distributors, LLC.

Contract form # ICC13IEBASE1, ICC13IEBASE2 and any state variations.