Market Stabilizer Option^® II is now available in Massachusetts and New Jersey

Variable universal life insurance is sold by prospectus only which contains complete information on investment objectives, fees, charges and expenses. Please make sure your clients read the prospectus carefully before investing or sending money.

Please be advised this webpage 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. Neither Equitable Financial, Equitable America or its affiliates provide legal or tax advice.

Life insurance is issued by Equitable Financial Life Insurance Company (Equitable Financial), New York, NY 10105; or by Equitable Financial Life Insurance Company of America (Equitable America), an Arizona Stock company with an administrative office located in Charlotte, NC. Equitable America is not licensed to conduct business in New York.) It is distributed by Equitable Network, (Equitable Network Insurance Agency of California in CA; Equitable Network Insurance Agency of Utah in UT; Equitable Network of Puerto Rico, Inc. in PR), LLC and Equitable Distributors, LLC. When sold by New York state-based (i.e., domiciled) Equitable Advisors Financial Professionals, life insurance is issued by Equitable Financial Life Insurance Company (New York, NY).

VUL Optimizer is sold by prospectus only. which contains more complete information about the product, including investment objectives, risks, charges, expenses, limitations, and restrictions. Please be sure your clients read the prospectus and consider the information carefully before purchasing a policy or sending money. Contact the sales desk for a copy of the current prospectus.

Variable life insurance products are co-distributed by Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI and TN) and Equitable Distributors, LLC. 1345 Avenue of the Americas, New York, NY 10105.

For Financial Professional use Only/Not for Distribution to the public