Equitable Expands Portfolio in Variable Universal Life Market - Seite 2

• Standard with -10% protection buffer: Provides upside potential with some downside protection and typically has the highest growth cap rate of the five MSO II options. The growth cap rate changes monthly on all options and is 17.50% as of January 20, 2023.

• Standard with -15% protection buffer: Provides a balance of upside potential and downside protection with a growth cap rate of 14.50% as of January 20, 2023.

• Standard with -20% protection buffer: Provides upside potential with the largest downside protection of the five options with a growth cap rate of 12.75% as of January 20, 2023.

• Step Up with -10% protection buffer: Offers potential for a higher return than the index with a return that “steps up” to a cap when the market is either flat or up. The growth cap rate is 13.00% as of January 20, 2023.

• Dual Direction with -10% protection buffer: Provides upside potential, including the possibility of a positive return when the index is down with a growth cap rate of 15.00% as of January 20, 2023.

In addition to the five buffered options, policy owners have more than 80 investment options to select from based on their investment style, including index portfolios, asset allocation portfolios and equity, and fixed income portfolios. Clients can allocate some, none or all of their policy cash value to the buffered options or the other investment funds.

“While many financial professionals and their clients find the value traditional VUL products provide attractive, they often are reluctant to make them a part of a financial plan during periods of market turbulence,” said Garry Tilton, Head of Life Insurance Products at Equitable. “Recognizing this reality, we’ve leveraged our expertise in the buffered indexed option space to design a more well-rounded offering that can provide them with more choice, flexibility, upside potential and downside protection in uncertain times.”

About Equitable

Equitable, a principal franchise of Equitable Holdings, Inc. (NYSE: EQH) has been one of America’s leading financial services providers since 1859. With the mission to help clients secure their financial well-being, Equitable provides advice, protection and retirement strategies to individuals, families and small businesses. Equitable has more than 8,000 employees and Equitable Advisors financial professionals and serves 2.8 million clients across the country. Reference to the 1859 founding applies specifically and exclusively to Equitable Financial.