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 1 Under current federal tax rules, clients may access their cash 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 their 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 value of the 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 the 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 The Market Stabilizer Option^® II Indexed Options are available with new issues of VUL Optimizer^® policies, subject to state approvals. 

3 The LTCSR 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 should refer to the prospectus for more information. Clients may qualify for life insurance but not for the LTCSR. The LTCSR is paid as an acceleration of the death benefit. In CA, this rider is called the Comprehensive Long-Term Care Rider. In FL, this rider is called the Long-Term Care Insurance Rider. All riders may not be available in all jurisdictions. Some states may vary the terms and conditions. There may be an additional charge associated with obtaining certain riders. Some riders may not be available in combination with other riders and/or policy features.   

4 The CLC will always be paid for the portion of the Policy Account allocated to the variable investment options plus the Market Stabilizer Option^® / Market Stabilizer Option^® II Segments and Holding Accounts. The CLC will not be credited on any portion of the Policy Account allocated to the Guaranteed Interest Account (GIA), unless the current declared rate on the unloaned GIA is greater than the guaranteed minimum rate of 1.5% annually. 

Please be advised that this webpage is not intended as legal or tax advice. Accordingly, any tax information provided in this guide for producers 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.

Policy form #s ICC15-100, 15-100 or state variations.

Market Stabilizer Option^® form #: R22-VIOS or state variations

 VUL Optimizer^® is a flexible premium variable life insurance policy 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 company with an administrative office located in Charlotte, NC. and is distributed by Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI and TN) and Equitable Distributors, LLC, 1345 Avenue of Americas, New York, NY 10105. 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, VUL Optimizer^® is 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. 

Equitable Financial, Equitable America, Equitable Advisors and Equitable Distributors are subsidiaries of Equitable Financial Services, LLC and  Equitable Holdings, and do not provide tax or legal advice. Certain types of policies, features and benefits may not be available in all jurisdictions or may be different.

VUL Optimizer^® and Market Stabilizer Option^® are registered marks and Long-Term Care Services^sm Rider is a service mark of Equitable Financial Life Insurance Company.

This webpage is not a complete description of the VUL Optimizer^® variable life policy. The prospectus contain more complete information about the product, including investment objectives, risks, charges, expenses, limitations, and restrictions. Please be sure your clients read the prospectus carefully and consider the information  before purchasing a policy or sending money. the current prospectus can be accesses through the links above on this page.

For financial professional use only. Not for use with the general public.