Personalize your client's financial protection plan

1 The LTCSR is available subject to underwriting approval. NLG premium requirements must be met to maintain the guarantee. Use of the LTCSR benefit will reduce the death benefit payable upon the insured’s death. Even with the NLG, the LTCSR will terminate in the following situations: policyowner requests termination, LTC Total Maximum Benefit is paid out, termination or surrender of the base policy, Living Benefits Rider (terminal illness) is exercised or the policy is put on Loan Extension. Refer to the product prospectus for complete information. 

2 The MSO II provides varying levels of downside protection and upside potential in various market scenarios. However, amounts in the MSO II are subject to fluctuation in value and market risk, including loss of principal. MSO II is not available in all jurisdictions. In states where MSO II is not available, the Market Stabilizer Option^® (MSO) may be available instead. The MSO and MSO II are not available for policies with a contract state of New York. Refer to the product prospectus for more information.  

VUL Incentive Life Protect® may not be available in all jurisdictions, and features and benefits may vary. Please check the state availability chart.

VUL Incentive Life Protect® , a variable universal life insurance policy, and the MSO II (or the MSO, where applicable) are sold only by prospectus. Be sure your clients review the current prospectus for complete details, including investment objectives, risks, charges, expenses, limitations and restrictions. Please be sure your clients read the product prospectuses and consider the information carefully before purchasing a policy or sending money. You can find a copy of the prospectus at equitable.com.

VUL Incentive Life Protect® variable universal life insurance is a policy with the primary purpose of providing a death benefit. It is also a long-term financial investment that can 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 policies, including mortality and risk charges, administrative fees, investment management fees, front-end load, surrender charges and charges for optional riders.

You must be properly licensed to sell Equitable Financial Life Insurance Company and Equitable Financial Life Insurance Company of America products with the LTCSR. Depending on the issue state, you may be required to have a health insurance license and satisfy LTC CE requirements in addition to other licensing requirements.

Insureds age 70 and older who elect the LTCSR on VUL Incentive Life Protect® will not be eligible for the preferred elite or preferred nontobacco underwriting classes. In FL, this rider is called the Long-Term Care Insurance Rider. Actual terms and conditions of the LTCSR are contained in rider form ICC19-R19-LTCSR, R19-LTCSR and state variations. An earlier version of the rider is offered in CA (R12-10CA) and NY (R12-10NY). This rider has exclusions and limitations and may not be available in all jurisdictions or may vary by version and jurisdiction. The LTCSR has an additional cost and is subject to restrictions and limitations. Clients may qualify for life insurance but not for the LTCSR. The LTCSR is paid as an acceleration of the death benefit.

VUL Incentive Life Protect® is issued in New York and Puerto Rico by Equitable Financial Life insurance Company with an administrative office located in Charlotte, NC (Equitable Financial) (NY, NY) and in all other jurisdictions by Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company, and is co-distributed by Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN) and Equitable Distributors, LLC. When sold by New York state-based (i.e., domiciled) Equitable Advisors Financial Professionals, VUL Incentive Life Protect® is issued by Equitable Financial.

Please be advised this web page is not intended as legal or tax advice. Accordingly, any tax information provided is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer. The tax information was written to support the promotion or marketing of the transaction(s) or matter(s) addressed, and clients should seek advice based on their particular circumstances from an independent tax advisor. Equitable Financial, Equitable America and its affiliates do not provide legal or tax advice.

S&P^®, S&P 500^® and Standard & Poor’s 500^® are trademarks of Standard & Poor’s and have been licensed for use by Equitable. The Market Stabilizer Option^® and the Market Stabilizer Option^® II are not sponsored, endorsed, sold or promoted by Standard & Poor’s, and Standard & Poor’s does not make any representation regarding the advisability of investing in the products.

References to Equitable in this document represent both Equitable Financial Life Insurance Company and Equitable Financial Life Insurance Company of America, which are affiliated companies. Overall, Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company with an administrative office located in Charlotte, NC (Equitable Financial) (NY, NY); Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company; and Equitable Distributors. LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN). The obligations of Equitable Financial and Equitable America are backed solely by their claims-paying abilities.

For financial professional use only. Not for use with, or distribution to, the general public.